BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
For the past several months Capital One has billed my account for a XXXX subscription that I did not open or authorize. Even though I have repeatedly called, nothing was done to stop the charges. Finally, in XX/XX/XXXX, a merchant block was put on my account and I was " guaranteed '' no more charges from XXXX would be allowed. Each month I've had to call and cancel my card, get a new card and activate a new account. Now in XX/XX/XXXX I see that on XX/XX/XXXX, another charge from XXXX was allowed on my account. A supervisor from Capital One, XXXX # XXXX, stated that Mastercard is pushing the charge thru my account even though there is a merchant block on it. I feel that Capital One should contact Mastercard on behalf of their customers and let them know not to push through a charge that has repeatedly been disputed. It is a hassle to sit on the phone for several minutes ; this particular call I am currently on is at 36 minutes and still going. At this point, we are currently on a call with XXXX on a very long hold for a supervisor because XXXX can not even find an account related to my credit card number or past numbers. While XXXX and I waited and waited on hold with XXXX for a supervisor, when the rep told us he would transfer us, he actually disconnected us instead. There should be better protection for credit card customers than to have this type of hassle. I am closing my account to ensure no further charges since we could not resolve this issue with XXXX. XXXX did say at my request that she would forward this issue to Mastercard in hopes that customers receive better customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive filed several of disputes with Equifax since XX/XX/XXXX - last week. Ive received an email on yesterday saying my disputes is complete. I logged in to view the results but once I click on PDF file to view it, nothing happens. I called Equifax yesterday and told the representative that Im not able to view the results online. I request for her to send my results by email but per the representative she can only mail it and it will take 7-10 days. Per the representative my account is locked. She stated that she will unlock it but I will need to wait 30 minutes to an hour before trying again. I explained that Im able to log in so my account isnt lock. Ive tried all day yesterday after the call and again on today and Im still not able to view anything! I need to be able to view my entire credit report online along with the results from my dispute. Also Ive reported a name change and address change back in XXXX when I had gotten a divorce but on yesterday the representative address me as my previous married and also stated an old address on file as my current address. I explained to the representative that all changes was made years ago and the other credit bureaus have the correct information but Equifax isnt updating any of my information! The representative did not unlock my account for me to view it online and did not address my concerns about updating my credit file. The representative release the call before confirming she updated my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
We have recently received a letter from Rocket Mortgage saying that we are required to get wind coverage and that if we do no acquire it fast enough they will get their own and charge us for it. This would make it considerably more expensive. During closing for our home with Rocket Mortgage we confirmed with them twice thru email that wind coverage would not be required. I have spoken with them on the phone ( The process on its own is horrible just trying to talk to a human ), just to have them tell me I must get the wind coverage now or they will get it and it will be even more expensive. They are great when you are getting the mortgage and buying the house but once you are locked in they are horrible to work with. They are a predatory company and it should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX Acct # XXXX - I have sent the attached document as the official proof of my HAF ( Home Owners Assistance Fund ) program application, quite a few times. I have sent several letters, via my document portal, informing you that I applied for the HAF program. I have called 4 times & spoken to 4 different representatives, verbally informing you about my HAF application. This is very frustrating, stressful, & time consuming. My application status is currently : Pending Approval. You incorrectly reported to the credit bureaus that my account is closed. It is not. Please correct this status. For the 3rd month in a row, XXXX XX/XX/XXXX, You all reported to the credit bureaus that a foreclosure sale has started, but that is untrue & illegal. I received an alert about you reporting these this information to XXXX. This has continuously & drastically drops my credit score, reports negatively to my credit files & causes me extreme stress. Today, because of you CLOSED my account, my Equifax and XXXX credit scores dropped XXXX POINTS!!! Because I have applied for the HAF program XX/XX/XXXX, by LAW, I am protected under for the Mortgage Moratorium, under the DC XXXX : XXXX XXXX XXXX : This means, a foreclosure can not be initiated nor filed. You are consistently ignoring & breaking this LAW! Please correct my credit file. My account should be in OPEN status and all foreclosures are prohibited. Please remove the Foreclosure status from my account, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We required a repayment plan last year due to Irma Hurricane. My last payment for this plan was in XX/XX/2018, I called on XXXX and ask if everything was good with my Loan but the service agent told me " I do not what happened but we have to put your account on a new repayment plan for 3 months, XXXX, XXXX and XX/XX/2018 ''. Then, in XXXX, my account will be current. I made my payments and called again on XXXX to verify it, but one more time another agent told me, " I see something unusual on your account, let me double check '', I agree with her ... On XX/XX/XXXX, I spoke with tow different employees over there, both of them told me " yes off course, WE ( Loan Care ) made a mistake, allow us 3 or 4 days to resolve it. Loan Care should move my payments because my money was sent I do not know where ... On XX/XX/XXXX one agent told me " Your account will be current, next payment will be on XXXX '' I ask her for a confirmation letter with this information and she said " yes, I am going to send it to you on XX/XX/XXXX ''. Since Monday XX/XX/XXXX, I have been calling her but she never answered my calls. Now, after 2 hours on the line with another agent, she informed that I have money available as Escrow for {$1400.00} but first, I have to pay {$550.00} to put my account current. I need that Loan Care move my money from escrow to cover the {$550.00} and put my account current. Loan Care never informed my about any situations, they have a different answer each time that I call them, nobody knows what happened and the solution is the same : you are late with payments. I did not ask send my money to escrow so why I have to resolve the situation paying more money without guarantees that my account will be ok. My credit is being affected for this situation. At this time I lost all the confidence I had in that company and I do not want to make another payment without make sure that my over payments will be returned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Trans Union is reporting an authorized/fraudulent transaction. Pursuant to 15 USC 1681 a ( d ) ( 1 ) -the consumer needs to provide written permission or verbal consent to furnish this alleged debt, which you have neither A detailed investigation is being requested pursuant to the FCRA. The consumer is requesting the original contract and the detailed method for the investigation such as who completed the investigation to validate the alleged debt and when the investigation was completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XXXX of XXXX XXXX sent a request to XXXX and XXXX for the XXXX time in XXXX to have the information regarding the Santander Consumer USA account removed from my report. I informed XXXX   and XXXX  with a certified letter on 3 occasions that the account balance was incorrect along with payment history and that the account needed to be removed. I asked for the contact name and information for the representative providing the information at Santander along with verification of a contract with my social and signature, and how the obtained the information from Santander. It turned out that the account balance was incorrect and even though they recently change it, it is still incorrect. They also never updated my payment history. XXXX  and XXXX  never submitted to any documentation with my signature or consent of contract information no did they provide the names and contacts of agent at Santander submitting this info as accurate. They ignored my written request to have this account removed as well as my telephone request for this information. Santander was part of state-wide lawsuit here in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I tried to reach out to find out who they were and who authorized them. I've had difficulty. I tried disputing as well and it's still on my credit report. These companies were not authorized to access my personal credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT name that should be deleted is XXXX, XXXX. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX and there is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 



I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX whose collection agency is XXXXXXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from Transunion, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX .... Balance : - ; XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$1400.00} ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : {$410.00} ; XXXX XXXX XXXX .... Balance : {$450.00} ; XXXX XXXX XXXX .... Balance : {$1700.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: Better Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is the complain against Better.com or Better Mortgage company. They are not honoring the interest rate that I locked. This is not due to any change in my financial condition or credit score or employment. During underwriting, I was made aware that they can not provide rate that I locked and asked to chose the option that was more than initially offered. The worst was they were not even honoring the published rate in XXXX. They were not ready to negotiate. I am closing in a week and the timeline does not work well for me to start over. I just wanted to share this with other dealing with Better.com. Just locking the rate with them does not mean you will get it and the end and just be prepared for surprises. Please be aware.

Company response to consumer: Closed with explanation