BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: NC
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:
In XXXX of XXXX I made calls to EQUIFAX and requested some incorrect and outdated personal information be removed and they obliged helping me. I also questioned the validity and accuracy of certain accounts and information but conveyed that I would send my request for an investigation in writing through the postal service which I did and received a certified receipt for. In my dispute a copy of which is enclosed I sent 3 forms of proof of identification. a copy of my driver license and 2 updated bills with my name address and other matching information. In response to my dispute accounts ( XXXX XXXX as verified but my name is different from the name in the response to my dispute which is listed as ( CREDIT FILE : XX/XX/2022 Confirmation # XXXX ), ( CREDIT FILE : XX/XX/2022 Confirmation # XXXX ), ( CREDIT FILE : XX/XX/2022 Confirmation # XXXX, ) the name on the file is a similar but different name so how was a reasonable investigation done to ensure my rights? Due to the fact that there is a Different name on the response EQUIFAX sent me makes the re-investigation invalid and my RIGHTS VIOLATED also violated because the address for the XXXX account in XXXX said the company had moved when I tracked my letter so an unreachable address being reported as a way to reach the creditor is false and misleading. XXXX and XXXX accounts are reporting different addresses to each consumer reporting agency the information is, in fact, inaccurate. These accounts were disputed and I have not received the requested documents that I'm due by the requirements of the law. The reporting of this innacurate information has caused severe damage to my character and is hurting my ability to obtain a home and better life for me and my children and I am forced to work much harder for longer hours because I am being misrepresented by these companies like EQUIFAX that is blatantly violating my rights as a consumer. They failed to conduct a reasonable investigation and I would like to know what accounts are associated with the incorrect name because that's the name on the updated consumer report you sent me in response to my dispute and I would like complete information for each account because a lot of information is missing such as dates of last payments, payment amounts, creditor classifications, credit limits, charge off amounts, dates closed, dates opened, term duration for installment accounts, credit limits, recent payments. I am a hard working mother who is already a victim of the Equifax data breach and now this abuse continues. civil liability is owed to me due to my federaly protected rights being continuously violated and I'm Due {$1000.00} per violation. thank you for your acknowledgement of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: BBVA FINANCIAL CORPORATION
State: CO
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:
On XX/XX/XXXX I received a push notification on my phone of a charge for {$140.00} being approved on my card. The next day I saw the charge on my card from XXXX XXXX along with a foreign transaction fee of {$4.00}. That day, XX/XX/XXXX, I called to dispute the charge with BBVA USA ( Formerly BBVA Compass Bank ) which they responded quickly to close the account and issue a new card. Upon receiving the new card BBVA had transferred both charges to the new card. I called on XX/XX/XXXX to dispute those charges being transferred which caused them to let me know it could take 30-90 days for the charges to be removed from the account, pending the dispute being resolved in my favor. 

XX/XX/XXXX I called again and spoke to someone in the States and they understood my plight. On ( approximately ) XX/XX/XXXX I received a letter that the dispute was resolved in my favor and on XX/XX/XXXX I received a credit followed by a debit for both amounts. This caused me to call the bank again on XX/XX/XXXX to get in touch with someone who understood my plight. 

XX/XX/XXXX a charge is sent to the prior card number. I call the bank again and they inform me that I don't owe the money but it will sit on that " closed '' account. This still shows as me owing the money for a disputed charge resolved in my favor. 

I can't help but wonder if I am just dealing with inept call center agents that don't understand basic accounting or if the BBVA USA bank is " padding '' their liabilities for the purchase of their institution by XXXX XXXX  out of XXXX. Either way I am unable to resolve this situation with them and need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Rocket Mortgage, LLC
State: AR
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:
My husband is the sole borrower for the loan with rocket mortgage used to purchase our home ( I did not have a credit score at the time of purchase so was unable to be on the loan ). He was looking to refinance the loan to include the windows we purchased.

The mortgage specialist at rocket mortgage told my husband that he would need to do a " soft inquiry '' on my husband 's credit report to look at the potential to refinance. He also asked about possibly including me on the loan. I was unaware that this was all in progress when I received a call to " verify my information '' by stating my birthdate and social. I verified my information and was told that I was free to exit the call. 

At no point was I made aware of the need for me to be on the loan and I definitely did not agree to any application, or credit searches. I just thought I was verifying my info as a member of the household ( as I was included in the mortgage with the previous loan without actually borrowing or needing to have credit ). 

The next day I got a notification from XXXX XXXX that my score had dropped by XXXX XXXX. So the " soft inquiry '' that my husband had consented to had become a hard inquiry on MY account that I was not aware was happening. 

We reached out to the company and have been repeatedly told that while they " understand where we are coming from '' that they had not done anything wrong by not disclosing the reason for the " verification of information '' and not getting my consent to add me to a loan application. 

I was told my husband could consent for me, which is not the case given the National Credit Act. I feel that the way they obtained my social for the search without disclosing the intended purpose was an Unfair and Deceptive Act or Practice that took advantage of me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Nothing no one contacted me it's says I owe over and. It's messed my credit up bab

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 2021-01-15
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX I did a consumer credit transaction with Capital One Bank. The total amount of the transaction was for {$2000.00}. In XX/XX/XXXX I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. After receiving a significant amount of bills from Capital One, I sent them two documents. The first being a debt validation letter and a cease and desist. Even after capital one receiving these documents, I still received several emails in regards to this so called delinquent debt. These documents were sent via the usps on XXXX and was picked up by someone from the company on XX/XX/XXXX at XXXX from the post office. The documents requested that Capital One respond back to me within 30 days of receipt of the documents and they failed to do so. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Santander credit card charged interest on the negative balance after the balance on a card was paid in full.

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 2023-06-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: LA
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:
15 U.S.C 1681section 602 A. States I have a 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 15 U.S.C 1692C These accounts below are violating my rights Account Numbers : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

ELAN CACS CC XXXX. {$0.00} Acct # : 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 2019-03-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Starting XX/XX/XXXX, my monthly mortgage payment was increased by {$410.00}. I contacted my current mortgage lender, Shellpoint Mortgage, to find out why my monthly payment amount increased and I was told that they added the lender paid home insurance premium on my account. I immediately sent the copy of my home insurance policy to Shellpoint Mortgage and confirmed with their customer representative they have received my insurance policy. However, they didnt remove/credit/waive the additional {$410.00} and require the master insurance policy for my condominium. Then, I provided our Homeowners Association and XXXX XXXX XXXX contact information to Shellpoint Mortgage so Shellpoint can request the copy directly from them. As of today, Shellpoint has not yet waived the additional monthly fee of {$410.00} and have charged 5 % penalty for the month of XXXX and XXXX because I refused to pay for the {$410.00}. The mortgage loan was initially from XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, then XXXX XXXX  sold the mortgage loan to Shellpoint during pandemic. The homeowner insurance was not required when I got the mortgage from XXXX XXXX in XXXX. Shellpoint added the requirement for requiring borrower to obtain additional homeowner insurance coverage. My annual homeowner insurance premium is less than {$500.00}. Shellpoint Mortgage charges the borrower ( me ) to pay for lender paid home insurance for {$410.00} monthly premium because they added this new requirement without the mortgagor agreement. I have clearly mentioned during the calls with the customer service representatives at Shellpoint that I refused to pay for the fees which I am not responsible for, not to mention I have my homeowner insurance coverage in place and have provided the policy to Shellpoint. Shellpoint Mortgage refused to waive/remove the {$410.00} lender paid home insurance premium and 5 % monthly penalty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Regardless of the multiple written requests, the public record listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 
XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : 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 2019-08-26
Company: EQUIFAX, INC.
State: MO
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'm holding the credit reporting agencies accountable for the emotional distress that I've been put thru dealing with this same issue. I've demanded physical documentation/ vertification via this account inwhich you constantly reporting but never once provided any sort of documentation inspite of my many attempts to do so. You nor your companies have abided by the consumer laws of the FCRA. Either provide me with physical certified documentation of the account known as XXXX XXXX, or remove / block immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Scratch Services, Inc.
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received a letter dated XXXX XXXX from Scratch Services LLC XXXX XXXX XXXX XXXX California XXXX The letter stated I was in " default '' for a XXXX loan offered within XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The amount of the loan was XXXX due by XX/XX/XXXX with threats in the letter of legal proceedings if not paid by the XX/XX/XXXX date. I have no idea what this is. I have never applied for a loan of this type and have never received ANY money from XXXX XXXXXXXX XXXX or Scratch LLC. I do not own or operate a business of any kind. I have attempted on several occasions to contact XXXX XXXX at the number provided on the letter I received ( ( XXXX ) XXXX to discuss this matter but have been unsuccessful. My most recent attempt to talk with XXXX representatives was this morning ( XX/XX/XXXX ) where I was on hold ( once again ) for over an hour before finally hanging up. I also sent an email today ( XX/XX/XXXX ) to the email address listed on the letter to XXXX communicating to them basically the same information I am currently communicating to you. In the email letter to them I requested they take immediate steps to investigate & correct this fraud attempt. Unfortunately, I have experienced identity theft in the past and have worked hard to protect myself from this type of theft / fraud. I do not want something like this to damage my credit rating or my name. If you can please investigate this fraud I would appreciate it a great deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: OH
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 desputed this sXXXX account XXXX and its still reporting inaccurate information and violating my rights under the fair credit reporting act. 1.Date opened is inaccurate. 2. High credit is inaccurate. 3. Last reported is inaccurate 4.Date last active is inaccurate 5. Date last payment is inaccurate 6. two year payment history is inaccurate. and my rights violated under 15 U.S. Code 1681a-Definitions ; rules of construction ( 2. ) Exclusions-Except as provided in paragraph ( 3 ), the term " Consumer report '' does not include- ( A ) subject to section 1681s-3 of this titile, any - ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. 15 U.S. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) reporting information with actual knowledge of errors.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 with out my written instructions 15 U.S.C. 1681c ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 yrs.

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 2023-01-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, {$1800.00} was taken from my account to be applied to the principle. instead I was told there would be no payment due for XXXX and XXXX. The balance was {$53000.00}. No payment was deducted from my checking account. The XXXX payment was deducted from my checking  account. That left a balance of {$53000.00} for XXXX. What happened to the payment of {$1800.00}? Why are they stopping us from making extra payments towards to principle and paying off this loan ahead of time? This is the second time we have reached out to you and that matter was taken care of by them. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation