BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Considering recent investigations brought upon Equifax. I find that my consumer file has been irresponsibly tampered with and neglectful, because Equifax hasnt exercised their grave responsibilities as evidenced by the inquiries theyve allowed into my consumer report, the XXXX data breach, the recent revelation that Equifax has damaged millions of consumers by sending erroneous scores, as well as the continuous reporting unverified accounts on my consumer report. Over the past years I made several attempts to remind Equifax of their duty pursuant to 15 USC 1681 my most recent was XX/XX/XXXX, and they did nothing but ignored my disputes and requests. 

Lets be clear, as a consumer, I am federally protected under Title 15 Chapter 41 and Title 15 Chapter 94, and it saddens me to know Equifax takes pride in violating basic consumer rights. According to the CFPB credit reporting and voluntary and always has been. Pursuant to 15 USC 1681a ( 3 ), Equifax assumed their role in assembling and evaluating consumer credit and other information on consumers. Equifax would need my expressed permission to furnish any information on my behalf on my consumer report. I DID NOT give Equifax and consent to report or furnish any information on my consumer report. I have a right to privacy and Equifax did nothing but invade It, by allowing 3rd party companies to access my private and personal information. Which are also violations of the Gramm-Leach-Bliley Act referenced by 15 USC 6801 and 15 USC 6802. 

I have attached a copy of Equifaxs Data Sharing Policy. On page 3 under section Consent it states, Equifax shares personal credit data with organizations that have the data subjects consent to request, receive and use it for the particular purpose ( s ) for which it will be used. Please show me Equifax where I XXXX XXXX gave you guys written consent w/ my signature to furnish things on my consumer report, because to my knowledge you guys will have to keep record of that. 

This is NOT a dispute, you do not need to reinvestigate these accounts, as a consumer I feel humiliated by the derogatory items Equifax furnished on my report without my consent. I am asking that you remove these items immediately please :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had transactions pending debiting my account in the amounts of XXXX, XXXX, and XXXX on XX/XX/18. Had they posted to my account they way they came in then I would have only received 1 NSF fee of XXXX. Chase bank decided to change it and pay the largest one first causing me to receive {$100.00} in NSF fees. The practice of paying the larger item first is abusive to the consumer so they can charge the most amount of fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Home Depot consumer credit card which Citibank controls. On XX/XX/XXXX I made a purchase using a promotional interest free 24mos financing to install carpet. The amount financed was XXXX and without fail I paid continuously XXXX for XXXX and according to my bank I have completed the last payment on XX/XX/XXXX. In the interim I charged few items that did not fall within the promotional financing. During the 24mos period I never received a statement but had a recurring payment scheduled via my bank XXXX XXXX so did not worry about not receiving the statement. I am the co-card holder of the credit card applicant which was my husband who passed away in year XXXX. Then on XX/XX/XXXX I went to home depot and tried to use my card as usual but was told I can not use the home depot credit card, but the cashier went ahead and accepted it any way. Then from that point on I have been receiving collection calls on my home number and cell repeatedly but ignored it because I was hoping to see a piece of mail to respond if the calls are valid in some way. Never received a letter so thought those calls were fraudulent. Yesterday XX/XX/XXXX I asked my daughter who takes care of my bills to check out why am I receiving so many calls. At that point she set me up online and realized there is a huge amount as a balance still left to pay. Immediately called the number in the back of the credit card. Come to find out that large number is the interest charged within the 24mos period.which I never missed a payment on. The issue was that they applied my payment on the promotional financing to the small purchases that were not part of the promotional financing. The customer service person said without the interest the actual amount owed since XXXX is XXXX which I paid right away using my debit card. I believe I am unfairly charged the interest as they never sent a piece of mail notifying me of the non-payment. Also never received an email either because I only set my email with the home depot credit card on XX/XX/XXXX when my daughter set me up. The customer service person said that I have been receiving the statements and I should have covered those small charges but like I said I never saw those at all. Please help because I am living on my retirement and no way of paying the interest and also refuse to pay the interest because we never missed a payment.

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 2018-06-12
Company: Optio Solutions, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
multiple calls with no message left on the answering machine - their number maps to XXXX  - apparently, a known abusive collection agency holding company. I owe no debts other than mortgage and a car loan - both are ahead of payment schedule and at last check, my FICO rating was XXXX! 

They are in violation by not identifying the company in caller ID and probably additional violations regarding their telephone practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: VA
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason for immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have go into the hands of the wrong person.

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 2019-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the year of XXXX I randomly received a letter from Capital One regarding a Capital One 360 Checking account. I was immediately scared and thought I was a victim of identity theft. I have NEVER opened a Capital One Checking account. The is account with my name and address on it seems to have a negative balance of - {$490.00}. I called Capital One using a phone number listed for them online and not the one on the letter itself. I also assumed this could be a phishing letter or scam letter. But, when I called them, after some searching they did find an account they feel is mine. This account they found is NOT a checking account at all. It was a very old and charged of account from ING an old online banking savings account that was opened in XXXX, assumed charged off and closed by me. I recall the collection process ended smoothly as I was deemed Mentally Disbaled by Social Security SSDI and 100 % of my income was non collectible by law and I did not have the funds to repay that debt. I never heard from ING again. That very old ING account has already fallen off my credit report many years ago. I sent a cease and desist letter to Capital One, they admit having it on file in relation to the bogus Checking account someone created using my name and information. I have received quarterly statements for over 1 full year now, made many phone calls to them pleading they stop sending me these statements and demanding they CLOSE this or any accounts that are NOT mine. Several times I was told they would take care of it. The cease and Desist letter was received in XX/XX/XXXX and I got another collection letter on XX/XX/XXXX for XXXX XXXX XX/XX/XXXX. The account is still listed as OPEN. I never had a checking account with Capital One. If they have acquired old ING accounts I have explained that account was Closed and charged off a long time ago and that they can't try to collect on another companies already charged off debt. I demand this fake Capital One account be CLOSED since I never opened it and I want these fake statements to stop coming to me in the mail. It is XXXX and they say the ING debt was charged of in XXXX, its not a debt to them and it is beyond collection time on this old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was turned down by Quicken Loans for my refinance through them, even though my debt to income ratio was fine, I agreed to take XXXX dollars less for my child support than my order says. Quicken loans said I had to go back to court and get a new order. Can they legally do that?. Also, when I said I was unwilling to do that they wouldn't refinance my loan, then turned me over to all 3 credit reporting bureaus told then that my loan through them was in deferral and that my student loan through them was in deferral. I don't have a student loan, nor do they even finance student loans I don't think. The have made my credit score go down and have delayed my refinancing through my bank, banner bank. Purely shameful way of trying to keep my business. And they not only checked my credit once, they checked it twice. They should be in some kind of serious trouble for the aggravation they have caused me. They need to make this right. They also sent me a letter telling me I was delinquent on my loan and they were going to start foreclosure. I have never been late, I always pay early and I generally pay extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Bread Financial Holdings, Inc.
State: FL
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:
Caller acted as if they were not from collection agency in order to get me to continue talking and verify my identity. Did not indicate if call was being recorded or that it was an attempt to collect a debt. Indicated my payment was 4 months past due and I should get a lawyer or make payment today to avoid them suing me today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a HAMP loan modification with Nationstar in XXXX of XXXX. After one year of resending documents was approved in XXXX of XXXX. Was not notified by mail, found out by following up almost lost my opportunity due to limited time frame for acceptance. We were not approved for the HAMP XXXX XXXX which we were qualified for ( in mortgage business for 30 years, I knew how to calculate qualification ), was approved for XXXX XXXX which made a modification payment much higher than should have been, also took away qualification for a better modification on second mortgage with XXXX XXXX  XXXX. 

I had asked for an escalation with agency that monitored modifications, they could not help as the problem with my qualifying had to do with escrows being adjusted the day before modification and underwriter from XXXX included escrows ( past due 60 days ) in monthly payment. I had called customer service and was informed my modification was sourced out to XXXX as with others. 

I then filed a complaint to Consumer Financial Protection bureau twice, no response. 

I had not been notified that such a suite was pending, if I would have know, I could have submitted proof via documents saved. I did not file a lawsuit as I did not know if an Attorney would accept on contingency, since this was so unusual and unprecedented. 
Now I believe I may not be able to as Statute of Limitations may have passed.

Since modification, my mortgage note did not disclose borrower incentives that I would receive. It has now been 5 years and I still can't get an answer or anything in writing describing incentives, reading guidelines I think after 5 years of payments, I should receive my XXXX towards principal in the XXXX year, but I'm not sure. 

Recently I am having an issue with escrow collection, I paid XXXX in escrow last year when my taxes were only XXXX. This years escrow analysis has me short XXXX each month, with no accounting for extra tax escrow payment I made. 

So, I know that restitution is required by Nationstar in fines and to affected borrowers as of this months Court case in the District of Columbia. Since I filed complaints am I eligible for restitution or a proper modification? I have all correspondence, several boxes. Including proof of complaints to CFP. 

Second, I need help getting answers to borrower incentives that I may becoming entitled to. 

Third, I have sent XXXX, who is now apparently doing Nationstar ( Mr. Coopers ) escrow analysis all documents. I have little faith that this issue will be resolved in a timely matter or at all. 

Please Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: VA
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason for immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have go into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: EQUIFAX, INC.
State: LA
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:
XXXX-2020 - I had noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, and Equifax. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies not even yet man. Signature and Attached legible SSc and id as well This insane it has ben over 34 days!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I transferred $ XXXX to my XXXX XXXX XXXX bank account on XX/XX/22. IT was approved and moved from my Wells Fargo account on XX/XX/22. After that point, I made nor authorized any further transfers from my wells Fargo account to my XXXX XXXX account. My Bank account XXXX after the approved and authorized transfer, made at my request, was approximately {$6900.00}. On XX/XX/22 Wells Fargo made two separate $ XXXX " transfers '' to my XXXX XXXX account. However, XXXX XXXX XXXX account shows zero pending transfers and zero transfer requests. My account balance on the night of XXXX was approximately negative $ XXXX. I called and tried to tell them I didn't authrozie or make these transfer requests. They told me all they could do was put in a claims dispute. 

On XX/XX/22 I went to a Wells Fargo Bank Branch. They had no record on one of the two $ XXXX transfers and no record of the negative balance in my account. My account now had a balance of XXXX and a plethora of overdraft fees ( which may or may not be waived depending on their investigation ). They told me they can not help me, they can not offer me a line of credit while I wait for their error to be resolved, and that all I could do was keep calling the XXXX number for updates. I Called the XXXX number again, and they told me they can not do anything to expedite the process, and the only way I could get updates on the claim was to constantly call the XXXX number or to wait for US postal mail to arrive at my house. 

I have XXXX ( or negative ) dollars in my account, with no relief, no customer service, and no answers. The best case scenario is I get my money and NO compensation after waiting for them to decide if they can do their due diligence in a 10-day period.

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 2018-06-12
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got an email from a loan company named XXXX. This email came XX/XX/2018 This is the mailing address they gave me XXXX XXXX Prosper Marketplace , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I never gave this company my SSI number and certainly never gave them permission to run my credit. 
This company did NOT have permission to run my credit. 
I ask this company show my application through them, signature and full SSI number authorizing them to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Experian Information Solutions Inc.
State: OH
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:
Experian for years has reported a foreclosure that I had from XXXX XXXX ( XXXX ). As of the credit report dated XX/XX/XXXX it showed the foreclosure from XXXX. This is factual. On XX/XX/XXXX it suddenly reappeared as a late payment for XX/XX/XXXX as well as a foreclosure. I have paid for this negative issue since XXXX and now my credit report looks like I'm paying for it once again - essentially double dipping/double jeopardy if you will. My score dropped 60 points in a minute. I have documentation of the court docs showing the foreclosure from XXXX. Additionally, Experian has this account listed twice. One as paying late under XXXX XXXX  ( true ) and another under XXXX showing the foreclosure ( true ). The account on Experian looks like two different negative reports. I have gone through the dispute process and have gotten nowhere.

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 2019-09-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've sent letters, filled out forms, and called several times to have the fraud alert removed. Experian will not remove the alert. I've contacted the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/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 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
It has been over 60 days since i submitted a dispute the with no response. I submitted a letter on XX/XX/2021. I do not know if im being ignored or what. I feel as though i am being taken advantage of. I demand these accounts be removed immediately. I refuse to wait another 45 days for a response.

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 2019-09-16
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have filed 4 complaints and it has been weeks no update or anything im assuming they arent going to help i have 2 accts with Cashapp old acct : $ emoneyshoots and new acct : $ XXXX and I am not getting any help email is XXXX old phone # is XXXX and new phone is XXXX i need to access my old acct and grab the money from my new acct please help

Company response to consumer: Closed with explanation