BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: SYNCHRONY FINANCIAL
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have received several phone calls from XXXX XXXX XXXX. They say they are collecting debt from PayPal credit card. I told them I never applied for this card. It isn't my debt. They insist it is, told me my SSN over the phone without verifying my ID. They threatened to call my employer to tell them about this debt and to garnish my wages. I requested written verification of debt both by email and us mail. I have not received any verification of debt, no communication other than these calls. It isn't on my credit report. Last I spoke to XXXX XXXX at XXXX XXXX XXXX at XXXX ext. XXXX. I believe this might be fraud or identity theft. I have never received account info to report to police. It's abusive collection practices and I can't even report to police due to no account information.

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 2023-10-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 information 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 information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$260.00XXXX XXXX XXXX  XXXX Balance : {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed the escrow on the refinancing of our XXXX XXXX CA home in XX/XX/XXXX and our direct lender was XXXX XXXX. After we made first monthly mortgage payment of {$1800.00} in XX/XX/XXXX to XXXX XXXX, our home loan was quickly sold by XXXX XXXX to XXXX XXXX  XXXX which was servicing by Shellpoint mortgage servicing company. XXXX XXXX sent our first payment to Shellpoint in XX/XX/XXXX. We made the subsequent mortgage payments of {$1800.00} each to Shellpoint on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, Shellpoint either claimed we never paid them on XX/XX/XXXX or they never received the first payment transferred from XXXX XXXX. After we got XXXX XXXX service dept rep on the phone line directly with Shellpoint, Shellpoint reps continued either claimed they had not received the payment from XXXX XXXX for which they were proved to already cash the check from XXXX XXXX or they could not verify they indeed received my three direct payments. After more than 15 phone calls with XXXX XXXX department along with multiple dropped calls, a ticket was open with Shellpoint supervisor note ( initial-XXXX  ) which in the end still did not resolve the issue. In the Shellpoint system it continued showing there was one principal balance missing. We absolutely have no confidence for any future payment or interactions with Shellpoint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a dispute with Chase regarding an item I bought on XXXX that I never received. I ordered two items on XX/XX/, the order total was over XXXX XXXX but the item that I didn't receive cost {$180.00}. A month or a couple of months after opening the dispute, chase sided with the vender. With the vender 's argument being that the address the item was delivered to is the address several items bought from XXXX have been delivered to, thus it is an authorized address and the item was delivered. 

Both of these items required a signature from me upon delivery. I signed one, only one. Please request the signatures or verification of who it was delivered to from XXXX and it will proof that I only signed for one of the items and only received one of the items, not two as Chase & the seller are stating. 

The Tracking ID # are listed in the letter I received from Chase, second page. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29
Company: BANK OF THE WEST
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened an account with the bank of the west and had a bill payment scheduled for XX/XX/XXXX to be paid to XXXX. It was not sent/received by XXXX  till XX/XX/XXXX causing a {$40.00} late charge that was waived by XXXX as a courtesy. I was also charged a $ XXXX  monthly maintenance fee that has been credited every month with the exception of XXXX. I tried to call the bank to discuss the missing bill payment and was on hold 2 hours. I finally hung up. I'm closing this account and requesting a {$25.00} check reimbursed for the non disclosure of the {$25.00} maintenance fee. Also a written response sent to my home address.

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 2019-04-26
Company: Experian Information Solutions Inc.
State: MO
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:
After being a victim of identity theft I'm disputing the unknown, unauthorized accounts that's reporting on my file, and the data is currently being updated as if the fraudulent illusion was accurate. However, I'm demanding that these accounts be blocked immediately and the data reporting be stopped and removed, unless the credit reporting agencies can produce a legal certified tangible document that binds me is such signed contract, until then I'm loudly demanding that the following accounts be removed, ( # 1 ) XXXX XXXX XXXX {$1500.00}, ( # 2 ) XXXX XXXX XXXX  {$130.00}, ( # 3 ) XXXX XXXX {$13000.00}, ( # 4 ) XXXX XXXX XXXX, ( # 5 ) XXXX XXXX XXXX  {$350.00}

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 2021-06-29
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Affirm was refunded money from XXXX  back on XX/XX/23. They allegedly tried to refund the money to my bank acct but claimed it failed ( um yea ok ). Then it took them 17 days to issue a check sent to a wrong address and now they are saying it will be another 2 weeks to reissue to my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: IL
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 sent in a dispute letter in on the XXXX of XXXX to XXXX and Experian I have not heard back from them and its pass 30 days they are not taking the unverified inquiry off my credit reports and it is stopping me from getting new credit and my credit score

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 2023-10-16
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity theft is a serious crime that can have far-reaching consequences for its victims, both financially and emotionally. I have taken all necessary steps to address the fraudulent accounts and activities that have affected my credit report. I have also reported this incident to the proper authorities and have cooperated fully in their investigations. The denial of my identity theft claims is a matter of great concern to me. I believe that the evidence and documentation I have provided clearly demonstrate the presence of fraudulent accounts and activities on my credit report. I have taken all necessary steps to rectify the damages caused by the identity theft, and I am dedicated to ensuring that my credit report accurately reflects my financial history. The presence of these fraudulent accounts is causing me severe distress, affecting my ability to obtain credit, and potentially leading to further financial harm. Here is the account that I need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This account was remove from Transunion 2 months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic on the same day i got approved for my car loan. 
I have requested XXXX to please provide proof of me giving then my signature for this credit card. My request is for Transunion to delete this account one and for all from my credit report. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2020 Responsibility : Individual Account Loan Type : CREDIT CARD Revolving Account Balance : {$12000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$12000.00} Past Due : {$12000.00}

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 2022-01-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Demand Lump Sum Repayment of Cares Act Loan Payments Granted Forbearance The bank has demanded {$27000.00}. They claim this amount is delinquent. 

This demand includes payments from XX/XX/XXXX, through XX/XX/XXXX, which received forbearance under the CARES Act and can not be demanded as a lump sum : https : //www.hud.gov/sites/dfiles/SFH/documents/IACOVID19FBFactSheetConsumer.pdf Federal Housing Administration Mortgages FHA does not require lump sum repayment at the end of the forbearance. 

The demand also includes XX/XX/XXXX, and XX/XX/XXXX payments which were paid on time but reported as delinquent. The bank is demanding that I pay them again. 

Each of the CARES payments includes an escrow charge for RE taxes. 

The County granted RE tax relief for the years XXXX, XXXX and refunded the bank - {$5500.00} for RE taxes in XXXX and {$5000.00} and {$5300.00} totaling {$10000.00} for RE taxes in XXXX for a grand total of {$15000.00}. 

These amounts satisfy the RE escrow components of CARES deferred payments and those payments should be reduced accordingly. 

Instead, the bank posted the refunds in escrow. According to generally accepted accounting procedures, this treatment is incorrect. Also, it is illogical as all of the bills for which the escrow account is set up as a reserve have been paid. 

The bank has refused to use the refunds to satisfy deferred payments. They have avoided the requirement that excess escrow must be refunded by keeping the account delinquent. 

XXXX Account # 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 non-monetary relief
Consumer complaint received 2023-10-02
Company: FC HoldCo LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XXXX XXXX I received a call approximately XXXX XXXX EST as a former collection rep I know that thus was in direct violation of my FDCPA, Ive reached out to the company on several occasions but nothing has been done. Also as a direct violation the company is suppose to issue a {$2500.00} remediation amount for each violation

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 2021-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2021 at XXXX I received a phone call from XXXX calling me on behalf of my bank telling me that I can save on my interest rate with my " high '' balance [ they named my bank XXXX credit card. He said I'm paying interest as high as 26 % and he's been authorized to lower it, I replied I don't pay that. I asked the caller what company he was calling from. He would not say but continued on with his sales pitch. Then I asked him if he was with my bank to tell me what my balance was on my " high '' balance credit card with them. Again he would not answer. Again I asked where he was calling from. As I started to question him further he hung up on me. When I called the number back it was for Capital One. I do not have a Capital One account. I then went through various people to finally be transferred to a Supervisor and asked who was your Compliance Officer, which she would not say. I then asked her if this line was recorded. It was, for training purposes, excellent news. I proceeded to tell her that they are in direct violation of CFPB for Deceptive Marketing Practices and that they can be fined for this and that I had already filed a complaint with Do Not Call Registry and will be filing with CFPB. You can not call someone pretending to be from their bank and refuse to answer that question. I told her to make sure that you take this complaint directly to your Compliance Officer because this is a big problem with legal ramifications. do you understand what I just said. She said yes. I told her to go do that now. The regular consumer wouldn't know that the Dodd-Frank Act protects the consumer and that the CFPB regulates the industry, and I just did my training on it yesterday. To bad for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: EQUIFAX, INC.
State: PA
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:
I have been back and forth disputing errors on my credit report with XXXX XXXX and Equifax to update my credit report, first off my information was compromised with Equifax. I'm signed up through XXXX XXXX since my information was breached. After I refinance with the XX/XX/XXXX I've notice weird stuff been going on with Equifax, First report stated I have mortgages wrap up {$270000.00} open XXXX two XXXX ( dup ) not so I've always had one mortgage with XXXX since XXXX sold and transfer to XXXX XXXX, XXXX recently sold the mortgage to XXXX. I ask both XXXX  to show XXXX showed payoff due to refinance with XXXX loan paid off XX/XX/XXXX, XXXX show open new loan. Equifax showed XXXX and XXXX showed open, I asked Equifax to show the XXXX transfer to XXXX now they have reported XXXX and XXXX closed and advise at the time that XXXX will remain after numerous disputes. XXXX and XXXX is now showing closed. I also asked for a CA address to be removed nothing has been done, I am so upset my credit score always been in 800 high after the refinance it dropped to XXXX with XXXX XXXX and Equifax not properly showing XXXX paid off. I'm assumming there must be children working for these companies. I have a payoff letter from XXXX showing it was paid off not closed. If you need this information I can send it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-12
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am XXXX XXXX I am submitting this complaint myself there is no third party involved. 
I XXXX XXXX, Consumer, Natural person, and original Creditor enter a Consumer Credit transaction with Santander on XX/XX/ and a Finance charge was involved pursuant to 15 USC 1605 A Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. Santander also made me buy Insurance on the side instead of providing me with insurance everything is suppose to be included in the finance charge there aren't suppose to be any cash given or taken in a consumer credit Transaction an Santander took cash an charge me on a monthly Baisc til the Vehicle was paid in full I'm Enforcing my Rights for all payments back via mail Pursuant to 15 usc 1692 H If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. Santander has used abusive, deceptive, and unfair debt collection practices on me making me pay deceptive debts ive been harmed in this matter emotional distress

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AX ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. If you can not provide documentation, you must remove these from my credit report, thank you Sincerely Yours

Company response to consumer: Closed with explanation