BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: FL
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: PA
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 they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: NJ
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2020-03-27
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX. Re : mortgage refinance. Based on a loan estimate ( and realizing that the final numbers might differ from the loan estimate ) that I received from loandepot on XX/XX/XXXX, I paid {$510.00} toward an appraisal and credit report. The loan estimate ( attached )  provided for no out of pocket costs to me at closing and for cash to borrower at close. Also, when I asked the loan officer, XXXX XXXX, for evidence of the interest rate lock, she emailed me a screen shot ( attached ) on XX/XX/XXXX that contains the line : Estimated cash back at closing {$470.00}. Shortly after receiving the screen shot, I asked XXXX XXXX about who sends me a check for cash to borrower at close. She said there will be no cash to borrower because we're not allowed to send you cash at close since that would be buying down principal. 

I contacted a friend whose been a mortgage broker for 20 years ( he can't do my refi since he's not licensed in my state ), and he said that I absolutely can receive cash at close, up to the {$2000.00} limit ( the limit was due to the fact that my loan was not a cash-out refi ). I contacted XXXX XXXX, who told me that if the final numbers show that there is cash to borrower at close, I would get a check for that amount, up to the {$2000.00} limit ( I used XXXX XXXX for my refi and closed this week ). I also contacted XXXX XXXX  who confirmed what my friend and XXXX XXXX  told me. 

On XXXX, I emailed XXXX XXXX to request a refund of {$510.00} based on what I considered deceptive practice on the part of loandepot to show cash to borrower at close, and then after I paid {$510.00} in order to lock the interest rate, to tell me that I won't get any cash at close. Ms.  XXXX and XXXX XXXX, responded to my email XXXX attached ). Mr. XXXX contradicted the aforementioned 3 sources about my getting cash at close and also said that I would not be getting a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When the mortgage forbearance ended in XX/XX/XXXX, I applied for a loan modification, from my lender, PHH, in XXXX. I was still struggling to make my mortgage payment. My income was still limited as my income was/is from rental property and the tenants were not working and therefore not able to pay rent. They too were under the moratorium and could not be evicted and replaced. 
I applied for the loan modification to avoid foreclosure. I submitted all the documents PHH requested in a timely manner. I updated documents when they requested. They have repeatedly asked for the same documents such as bank statements, pay stubs, profit and loss statements, over and over again and the ones I have been sending have not expired. On XX/XX/XXXX they told me the modification had been approved and I would receive my modification package in 7-10 days. When I called to inquire about the package, they told me I had to send more documents. This is a systemic practice they have been using to force me into foreclosure. I never get the same Relationship Manager and they all have different stories.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX ( XXXX ) which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to the fraudulent investment firm.

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 2018-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello CFPB, I am a victim of online ID theft. My full legal name is XXXX XXXX and my CA Driver 's License # is XXXX. 

Unauthorized XXXX transactions fraudulently transferred from my Bank Of America Checking Account with Account # : XXXX and two Bank Of America Debit Card Accounts with Card Account # s : XXXX and XXXX. I did not create the XXXX account and I did not transfer money at all using this XXXX account online. 

Transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. The total # of transactions that are fraudulent and unauthorized in nature is 18 across all 3 accounts numbers mentioned above. 

I detected the fraud in XX/XX/XXXX/XX/XX/XXXX but could file final Claims with Bank Of America for reclamation and refund of money only in XX/XX/XXXX and XX/XX/XXXX. The total amount of money transferred fraudulently from my Bank Of America Checking Account with Account # : XXXX is {$6900.00}. The total amount of money transferred fraudulently from my Bank Of America Debit Card with Account # : XXXX is {$2000.00}. The total amount of money transferred fraudulently from my Bank of America Debit Card with Account # : XXXX is {$6900.00}. 

The total amount of money transferred fraudulently and without authorization across all 3 Accounts is {$15000.00}. I have filed 3 Claims with Bank Of America to get my total money back. Bank Of America has so far only done a temporary credit for the transactions against my Checking Account with Account # : XXXX for {$6900.00} and against my Debit Card with Account # : XXXX for {$2000.00}. 

Bank Of America has rejected my 3rd Claim for credit of money against my Debit Card Account with Account # : XXXX for {$6900.00}. 

I have an Affidavit signed with a Notary Officer of the XXXX XXXX County, CA as well as a Police Report filed with XXXX XXXX PD with Report # : XXXX as well as a Police Report filed with XXXX PD with Report ID : XXXX to use as reports for my ID Theft case. 

Please look into making sure justice is served here and that I get total money of {$15000.00} back including the pending amount from the rejected 3rd Claim of {$6900.00} AS SOON AS POSSIBLE from BANK OF AMERICA. 

Thank you, XXXX XXXX, Mobile # : ( XXXX ) XXXX Email ID : 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 monetary relief
Consumer complaint received 2023-03-28
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I went to a restaurant, used my new Keybank debit card and my transaction was declined. I was very confused, but thought something was wrong with the activation of my new debit card. I had just activated it the day before. The next day, I called the local branch to see what had happened. I was told that my account was under investigation because a deposit was made from a XXXX account but the names didn't match up. This is simply because I use my business name for my XXXX, not my actual name. I had done this for four years with my prior account that was at the same bank, without incident. The deposit amount was very small ( five cents ) because it was a standard verification deposit that is done whenever someone links a XXXX account to a new debit card or checking account. I was told that if I came into the branch and showed my ID, they would lift the restriction. Keep in mind, at this time, I was unable to even log into my online banking to see the status of the account or how much money I had. When I went to the branch to show my ID, they told me they were unable to lift the restriction. They called the fraud department and the person who flagged my account refused to lift the restriction even though I was at the branch showing my ID and saying that it was okay, there was no fraud going on. I was told that it could take up to ten business days for them to decide what they wanted to do about the situation. I would have no access at all to my account or my money for ten business days. I was devastated. The next day I directly called the fraud department at Keybank, spent 44 minutes on the phone with them, and was told the same thing. They also said that it was entirely up to this one man ( the man who flagged my account in the first place ) to lift the restriction. I feel financially violated, disgusted, and that this whole situation was a huge breech of trust. I don't see how what they are doing here could possibly be ethical or legal. As it stands, I still have no access at all to my account, my funds, and no clue when the situation will be resolved. It feels like my account was hijacked by Keybank and that nobody will help me. I highly discourage anyone from using or trusting this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: CA
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:
I have disputed information that was reporting inaccurately on my credit report and none of the credit bureaus have responded as of yet and it has been two months as of today. I tried to dispute things online but Experian indicated something were disputed but I never received information on those items via mail or email. XXXX  indicated when I tried to dispute online that there was an account with them and that is not the case so I don't know if they blocked me from trying to dispute or what. 

I will be attaching the letters that were sent to the bureaus as well

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 2022-04-12
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I logged onto XXXX XXXX  and realized a fraudulent account was opened in my name with XXXX in the amount of {$1200.00} back in XX/XX/2019. I have no knowledge of this account and also never gave any consent to open this account in my name. I have attempted to send letters requesting this account be deleted and stop reporting it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Rocket Mortgage, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage with Quicken Loans. The original amount was about {$280000.00} on XXXX XXXX XXXX and I have paid every mortgage payment on time. Beginning in XXXX of this year, Quicken Loans has started hounding me to refinance my mortgage through regular, unsolicited phone calls. During one phone call, I agreed to look in to refinancing, but the only thing they could offer me was a larger monthly payment. I told them verbally that I was not interested in this offer. They continued to call me, and it soon escalated. For most of the month of XXXX, I received 4-5 calls per day pressuring me to accept their refinance offer, including week days and some weekends. I did not respond to their calls. On XX/XX/XXXX, I received an email from them requesting me to refinance my mortgage. I responded to that email requesting that they stop contacting me about it because I wasn't interested and that I'd much rather have any future mortgages through a company that wouldn't hound me this way. I continued to receive calls from them regularly. On XX/XX/XXXX, I answered another call and made it clear that I was not interested in refinancing. They were very condescending and assumed that because I was a woman, I didn't know about recent market changes that could impact refinancing rates, even though I've worked in finance for 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NC
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:
This company has gotten a response from the data furnisher that is not valid. They are using this response to keep fraudulant and innacurate accounts on my credit report. they have also ignored arbitration letters. These accounts were disputed every 40 days for over the past year, FTC and police reports have been mailed to this company. The fraudulant and innacurate account ( s ) were removed from each bureau except this comany. They refuse to provide explanation as they say they do not disclose this information. this is a violation of the FCRA as i have the legal right to know every detail about my personal information. I am asking these accounts be removed once again and one final time or I will seek compensation for each violation done by your company for failing to remove these accounts listed below. 

XXXX XXXX XXXX last XXXX SSN : XXXX Birthdate : XX/XX/ account : XXXX XXXX  account number : XXXX account : XXXX XXXX account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Multiple times I have signed up for and used Toyota Financial Services ' " Autopay '' feature. This system is supposed to pull money from my bank account on the due date and pay the monthly fees for my lease. 

Unfortunately for various reasons, Toyota keeps canceling the autopay without notification and the earliest notice I get from Toyota is when the account becomes past due and they are approaching the 30-day mark to impact credit scores. 

This has happened on three occasions now, once a couple of years ago, once when I was coming to a close on my lease, and once on my brand new lease. 

The first time the agent just put it down to a " weird system error '' and luckily it was fixed pretty quickly since it was spotted by myself. 

The second time it was tracked down to an agent who canceled it when extending the " lease period '' for 6 months due to my local dealership having no cars available. This happened without my knowledge and then Toyota couldn't tell me if they had applied a derogatory mark on my credit file, and I had to wait 2 months to make sure none appeared. When speaking with an executive escalation they agreed that the cancellation without notice was unusual however policy wouldn't allow them to make a goodwill adjustment if a derogatory mark appeared on my credit rating ( luckily it did not ). 

The most recent time I received a call from Toyota telling me it was past due, I asked to double check since I had set up auto pay and the agent couldn't find any autopay linked to my account. They also told me that no " billing information '' was linked to my account ( despite being able to log in and see my own billing details ). They promised a callback from a manager within 24 hours but no call was forthcoming. The call was to deal with two areas 1 ) Why the autopay keeps being canceled and 2 ) When I leased the car I was told that Toyota FS would send out a second " keyfob '' this hasn't arrived from Toyota fs yet. 

Unfortunately having to constantly check if the payment has been taken out negates the benefit of having autopay. When the company randomly cancels it - it causes significant angst and worries over having my credit rating potentially dented due to terrible systems including an agent 's incorrect information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My employer has caused a financial hardship from internal errors resulting in my family having to make our payments within 30 days of the due dates and spread those payments out. Since the hardship, I've been making our payments the following month but within the 30 day timeframe. XXXX XXXX does NOT display the past due amount or last month 's balance due on their statements or online. Because of that, I have to try and calculate what the prior month 's minimum payment is. I simply pay half of the total balance due as the balance on the statement reflects 2 months payments but does NOT itemize what the prior months balance was. This resulted in my payments being mis-allocated and XXXX XXXX did NOT properly communicate to me that they would report my payment 30 days late, due to a past due balance showing {$11.00}. My monthly payment was {$220.00}. XXXX XXXX did NOT notify me or communicate properly that I had a past due balance of {$11.00}. If I had known, I would've just paid it. I spoke with a Sr. Accnt Manger, XXXX . She confirmed on a recorded phone call that it WAS a XXXX XXXX error but I would need to go through the dispute process to have it resolved. My wife and I always pay our bills on time but have recently had to resort to the 30 day window. This is a violation of the FCRA.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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