BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: RoundPoint Mortgage Servicing LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was bought by Roundpoint Mortgage in XXXX of XXXX. We were informed that at closing there was an escrow shortage of approximately {$700.00}. Roundpoint informed me that if we pay that amount, then our monthly payment would decrease. I spoke with a representative on XX/XX/XXXX who told me to pay {$420.00} and in XXXX our payment would decrease. In XXXX we received our XXXX statement with no changes reflecting. I spoke with a 2nd rep from Roundpoint who said that I would need to wait until XX/XX/XXXX for the escrow balance to reflect. I checked on XX/XX/XXXX and nothing changed, and made the original monthly payment. Spoke with the 3rd rep on XX/XX/XXXX who informed me that I was told incorrectly ( on waiting and the amount ) and I needed to pay an additional {$160.00} for the escrow and that he would make a request to conduct the escrow analysis. He told me to wait until XX/XX/XXXX for this to take effect. I was called on XX/XX/XXXX by a 4th rep inquiring why a payment was not made and I caught her up to speed. She said that an analysis hasn't been done and to go ahead and pay the monthly payment but it will be completed for XXXX 's statement. Today, XX/XX/XXXX, I receive the XXXX statement and just as before, nothing has changed. I called to make a complaint or to speak with someone higher up, and I spoke with my 5th rep from Roundpoint. She did not take a complaint but stated that an escrow analysis has never been requested on the account, but she would input one right now. My frustration is this : if this is something that can not be applied, I would never have paid the extra money. I have been told different things from each rep and I have no trust in this company at all. They do not have the customer in mind, and clearly they are not properly trained nor do they ask for help if they do not know how to do something. I'm hoping that rep # 5 actually knew what she was doing and completed the request, but I have little confidence in RoundPoint Mortgage. Clearly they are a company about taking the customer 's money.

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 2023-06-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2019-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Capital One bank made a judgment to garnish my wages! I had this dept back in XX/XX/XXXX and not only that the judgement is saying that I am making {$600.00} a week which is false I make not even half that a week. It has been over 7 years so that statute of limitations has passed. I should not have to pay this. I have not made one payment to satisfy this dept for almost 10 years. This judgement was first made XX/XX/XXXX and it is XX/XX/XXXX. The lawyers for Capitol one are XXXX and XXXX XXXX and their number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: MS
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 ( A ) ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
ALL 4 creditors are ALL not in compliance with Metro 2 Compliance and federal laws. They have not answered any questions in my dispute. I am also disputing every Fcra law from 312-623. Every last one. Plus I've submitted my letter attached notarized. Please punish them for not being in compliance of federal laws. I sent this letter to all 3 bureaus as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also want all inquiries DELETED. and ALL ACCOUNTS except XXXX XXXX and XXXX  XXXX XXXX. 
Thank you. 
XXXX XXXX All rights reserved XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We came out of forbearance with Freedom Mortgage and signed a new loan agreement in XXXX of XXXX. In XXXX of XXXX I went to make my first payment and noticed that the payment amount was not what was signed in the contract. I reached out to the mortgage company and was told that it was just the system updating to make my payment that was in the contract and it would update in the system. I mailed in my payment for XXXX. XXXX XXXX of XXXX I went online to make my payment and noticed it showing I was behind a payment for XXXX and was still showing the incorrect amount of XXXX. I called and spoke to someone who stated they held my XXXX payment in suspense because we had an escrow shortage in XXXX of XXXX. When I explained to the lady that we just came out of forbearance in XXXX and that the shortage should have been figured into our new payment amount I was informed not to make a payment until I got a new statement with the corrected payment amount. I never heard back from them called again two weeks later and was transferred multiple times and finally was told we were right and our payments should be XXXX per our signed contract. They said they were escalating our loan to be fixed again never asked for a payment and still had one payment held in suspense. We get into XXXX and called multiple times that month and were told the same thing they were escalating our loan they back office was busy and that our payment amount should be fixed. At this point we couldnt make payments over the system because it was showing we were delinquent for two months while they held a payment. In XXXX we got a letter stating they could take our home if we didnt pay XXXX dollars by XXXX. When we have been calling and trying to get this figured out since XXXX. Its now been reported on our credit, we have two payments sitting in suspense and still have not gotten our payments fixed in the system to the right amount. We called the second to last week in XXXX and asked for our phone records for all phone conversations the month of XXXX be pulled to prove we have been calling and were told not to make a payment until they updated our payment amounts. We have still not heard anything yet.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. 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 2021-10-16
Company: CITIBANK, N.A.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Around the end of XXXX I began planning a trip with my fiance. We had made a purchase through XXXX for a hotel inXX/XX/XXXX. Well we actually tried to cancel prior to the end of the year but we're told we couldn't even though I had proof that it never said we couldn't. In the end I asked for a refund, initially denied, I requested a charge back and never received it, XX/XX/XXXX said they would issue a refund but I believe I never got one as it was nearly XXXX never credited to my account ever... my other issue is that I CAN NOT view my statement from this bank for proof I never got this refund. They won't let me download my credit card statements. They also waited until I made a large payment to lower my credit beyond what I payed so I still owed them money. They are also saying my min payment on my now XXXX limit card ( was XXXX prior to covid ) is now XXXX! I literally have to pay over half my balance because they are predators! Their predatory practices need to end! Targeting people during a global pandemic.

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 2023-08-15
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXXXXXX  and XX/XX/XXXX Letters were sent to all 3 credit reporting agencies. 
Each agency stated that they verified all accounts without providing evidence of verified account documentation. On XX/XX/XXXX I submitted a claim with CFPB and all reporting agencies stated that the information they provided were verified though i did not receive not one document of verification. 

The information regarding a XXXX XXXX XXXX  account i never opened with a limit of {$700.00} should not be on any of my accounts. I closed it for the reason that i never approved it to be opened and never used the credit line. This account should be deleted. 

Somehow XXXX XXXX XXXX XXXX i have over 3 accounts with the same bank that is in collections with no verification that they are mine and i have no recollection of opening an account excluding one which has been paid and closed for the amount of {$170.00}. 

On XX/XX/XXXX There is a XXXX XXXX XXXX XXXX account that is stated by the credit reporting agency of a balance of {$2800.00}, Credit Limit {$2500.00} date reported XXXX However, on XX/XX/XXXX reporting statement says Balance {$4500.00} and amount pass due {$2600.00}. The previous amount pass due on XXXX  stated {$930.00} with date of reporting XXXX  on each document in XXXX 

There is also a XXXX XXXX XXXX XXXX XXXX account with {$1600.00} balance due with charge off amount of {$2800.00} on credit report XX/XX/XXXX. 

Credit agency stated " verified account and information has been updated '' with no documentation of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: WA
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 have violated has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX XXXX XXXX. 1681b ( a ) ( 2 ) : 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 ( a ) ( 1 ) Section states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-10-17
Company: Continental Finance Company, LLC
State: CA
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:
# 1 on XX/XX/21 I contacted XXXX XXXX XXXX ( continental finance ) because of fraudulent card payment activity on my credit card. I spoke with several representative and explained to them that there was a payment of {$460.00} and a payment of {$520.00} made out of my bank account that was not authorized by me. The account was closed and I was issued a new card but still charged 2 separate {$30.00} stop payment fees. 
# 2 on XX/XX/21 I received to separate emails from continental finance confirming my payment to the card for {$140.00} and another payment of {$340.00}. Also the name on my account has been changed to XXXX XXXX. I contacted continental finance and nothing was done about the charges and my account is compromised by this company including my social security number, home address and bank 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 2020-03-20
Company: EQUIFAX, INC.
State: SC
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:
This company is being unfair to me for the prolonged infractions of my consumer rights per the Fair Credit Reporting Act and the Federal Trade Commission. I have been in communication with them for a number of months now, mapping out unrecognized account in my credit report and giving all the details needed for this company to investigate and delete this account. 
But to my surprise, they keep on reporting it and don't at all respond to my request. 
Please assist me to make this company carry out a real investigation this time around and finally removed this untitled account right away. 
Below is the account in question : 1. Untitled, Account # XXXX, Date Opened, XX/XX/2015 I dont know what this is, would you please delete this unrecognized account from my report right now! 

I am attaching the letter i sent to them earlier as evidence of my correspondence with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XX/XX/XXXX Dear TransUnion, My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 

XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 

XXXX ) Documentation that shows I agreed to pay this debt with my signature. 

XXXX ) The Agreement that grants you authority to collect on this alleged debt. 

XXXX ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX  to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2021-10-16
Company: CAINE & WEINER COMPANY, INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Caine & weiner fails to honor my rights as the natural person, Consumer, and Original Creditor. 
I demanded a cease and desist. Also I demand all 3rd party agencies refrain from sharing my personal consumer information. Caine & Weiner is in violation of chapter 41 Title 15 of the United States Code, The FDCPA, and XXXX. Their bad faith efforts in reporting an alleged debt owed by me is causing damage to my persons and hindering my pursuit happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: GOLDMAN SACHS BANK USA
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I purchased an item in the amount of {$380.00} on my Apple credit card from XXXX. Although my tracking says it got delivered on XX/XX/2021, the package never got delivered. No signature for the package was required. I immediately filed a dispute with Apple, XXXX XXXX XXXX. I also had my landlord check the security cameras and no one entered my building on the day and time of the " delivery. '' When I file the dispute, Apple takes the charge off my balance, then when 60 days ( 2 billing cycles ) go by, they add the charge right back to my balance, which in turn makes me call back and have to explain my story all over again. They then file a new dispute and temporarily take the charge off and the cycle goes on and on all over again. Finally, in XX/XX/2021, Apple asks for any proof that will help the dispute when I contact them. I send in a text communication thread between me and my landlord asking him to check the cameras and him telling me no-one entered the building thru the apple wallet app. I've spoken to XXXX, Apple and XXXX, all representatives are horrible. No one is helpful. Including management. I feel like I'm at a dead end. XXXX and XXXX sends me back to Apple. This has been a nightmare to say the least and this is abuse to customers. Again, this has been going on since XX/XX/2021.

Company response to consumer: Closed with monetary relief