BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello I have been trying to dispute some inquiries on my credit that have really impacted my score. I did not authorize them at all to be pulled, I have tried to work with customer service to have them deleted however they have not been very helpful and they continue to give me the runaround to call here and there. I am very frustrated at this point and I am writing to you guys so hopefully you can help me out. The inquiries that I am speaking about are the ones below. 

XXXX XXXX XXXX XXXX XXXX should of only been once. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX transferred my account to XXXX XXXX XXXX without notifying me via email that a transfer would take place. Neither XXXX XXXX nor XXXX XXXX XXXX provided me written documentation of the transfer or new payment plan to my current address and thus I was marked late by 30 days of payment. I spoke with XXXX XXXX XXXX and they admitted that many other borrowers had this problem, but XXXX XXXX XXXX stated that they could do nothing to rectify the reporting of the late payment to the credit bureau. I paid off the account in full when I discovered the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a letter was sent to Portfolio Recovery asking for verification of debt, delivered and signed for on XX/XX/XXXX. A second letter requesting verification of debt was sent on XX/XX/XXXX delivered and signed for on XX/XX/XXXX. On XX/XX/XXXX a Summons [ VIOLATION : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX ] was filed regarding this debt which should have been placed as disputed, I signed for this Summons the last week on XX/XX/XXXX. The verification of this debt had not been received by the date of signing and still to this day. 

In the Summons, COUNT I, 10. Statement : " That Defendant 's payments and/or failure to successfully question the state of the account within a reasonable amount of time constitutes an admission of correctness '' is a Violation of Fair Debt Collection Practices ACT. The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer. 

Exhibits : **Not Identified Specifically as Exhibits** ( 1 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX, does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing. 

( 2 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing. 

( 3 ) The Affidavit attached appears to be signed by the Custodian of Records, for Portfolio Recovery Associates LLC and notarized by another employee of the company on XX/XX/XXXX, is misleading. The notarial act [ " Subscribed and sworn to before me on XX/XX/XXXX of XXXX '' ] is missing several items of TRADITIONAL information, which is " required by law '' per the Handbook for Virginia Notaries Public. With this missing information the signature of the Custodian of Records and date on The Affidavit attached, is not verifiable evidence. 

By filing this XXXX, XXXX XXXX XXXX, XXXX. has violated the Fair Debt Collection Practices Act, Fair Credit Reporting Act, along with the local State Laws as well as their Plaintiff Portfolio Recovery has.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One accused me of something, however they will not tell me what it is and start asking for a bunch of documents such as license, bank account, social security card. 
I've never had this happen before. I gave them this info when I signed up for the card. 
They can have me verify it over the phone. 

When they refuse to tell me what exactly they are ACCUSING ME OF after harassing me for about an hour I begin to think that they are fraudulent and harassing. I refuse to send documents because I have a right to address the issue or complaint. I have a right to know what the complaint IS. 

They still will not tell me and they have put a lock on my account which for future would be fine but I have an existing balance I am making payments in good faith on and they are refusing to post my payment to. I am not kidding. 

Per conversation XX/XX/20 at XXXX Arizona time I spoke with a manager at Capital One who refused to post my payment. They had been sending me emails saying they did not receive my payment. I confirmed with my bank that they did receive my payment on XXXX ( was due XXXX  ) and they refused to post my payment which they did not dispute receiving. This will be causing me to be charged for late fees, etc. My bank confirmed that they did receive XXXX on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: EQUIFAX, INC.
State: NY
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:
These accounts are unauthorized and unverified accounts reporting on my credit report.These accounts were opened without my knowledge or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-06-03
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$720.00} XXXX {$340.00} XXXX {$530.00} XXXX {$430.00} XXXX {$720.00} XXXX {$430.00} XXXX {$1600.00} XXXX {$430.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was serviced transferred in XXXX and I didn't realize until my autopay didn't come out from my previous mortgage company. I called and was able to get the information for my new company and I called them to first make my XX/XX/2021 payment and then set up autopay. The person helped me set it up via online for a bi-weekly debit. The first was supposed to be on XX/XX/2021 but they took one out on XX/XX/2021 and then another one on XX/XX/2021. I called on XX/XX/2021 and the person told me I don't see a payment call back on Monday and they noticed the duplicate payments. She opened a case and told me it would be 3-5 days until i get the money back. 

I called again today XX/XX/2021 and the person was not so helpful and quite frankly very rude. She told me she sees the case but I am not going to get my money until XX/XX/2021 and it's going to be a check that is mailed to me. I told her that is not what i was told earlier in the week but she again said the same thing again. I told her i wanted to file a complaint with who regulates her bank and asked who that was, she told me to look on their site. I was already on the site so i told her where can I find it which she answered with " just XXXX it '' I asked to speak to a manager and she transferred me to a voicemail that just had an extension with no explanation as to what it was. 

It's my first month with this company and they are already making it hard to do business with them. 

I need my money back sooner than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I applied for an FHA mortgage with an exception request and was denied. I was told by my mortgage broker.. '' it had not been enough time ''. 

In the exception request we explained in XX/XX/XXXX my previous home had been foreclosed on. At that time, Citi Mortgage failed remove my name from the deed. I worked tirelessly for approximately 18 months after the foreclosure date to have my name removed with no luck. I finally gave up as I could not afford to pay an attorney to continue to fight this battle for me. 

All the North Carolina state documents confirming the XX/XX/XXXX foreclosure had been attached to the request. 

I have clearly already waited the full 3 year waiting period and now am being told I must wait the full 3 years again. At that point I will have waited well beyond the required waiting period. 

This is not acceptable.

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 2017-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
On XX/XX/2017 I filed a complaint with the CFPB notifying the credit reporting agency of the identity theft report I filed for an account with XXXX. I provided a copy of the identity theft report filed with the FTC, a copy of proof of identity, and a statement explaining the circumstances surrounding the fraudulent account. I have already attempted to resolve this with XXXX 's attorney with no success. Pursuant of the FCRA identity theft clause the credit bureau had XXXX business days to remove the fraudulent account from my credit report. The credit bureau has failed to comply with the FCRA and as a result is causing financial injury to me. I am unable to participate in my financial conglomerate 's business activities due to this fraudulent account leading to a reduction in income.

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 2021-04-30
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I refinance my home mortgage loan with Dovenmuehle Mortgage , Inc . I paid all closing costs ( including a full amount of homeowners insurance policy premium ). The closing documents stated that my monthly mortgage payment was going to be {$2200.00} ( including Principal, Interest, and Escrow ). 

I have been paying the monthly payments on time and in full every month. In XX/XX/XXXX, it was time for my homeowners insurance policy renewal, which Dovenmuehle Mortgage , Inc was in charge of paying since they already hold my full amount paid in advance at closing ( and they have been collecting monthly contribution to escrow to account for the XXXX HOI renewal ). 

I received a letter in the mail from my insurance provider stating that they have not received the payment for renewal and that my policy would be lapsed if they don't receive the payment on by the courtesy extension date. After numerous calls to Dovenmuehle Mortgage, Inc ( worst ) customer service lines, they advise me to pay for the policy renewal out of pocket to avoid lapsing my insurance and that they would reimburse me. I paid it out of pocket, and after a few more months, and many more calls, and explanation of the situation to various customer service agents, and getting my mortgage broker involved, they send me a reimbursement check. 

After that, they adjust my monthly mortgage total payment amount by {$100.00} to adjust for what they claim to be a shortage in my escrow account of a total = {$1200.00} for not having enough funds to cover for my insurance policy renewal. I email, call, ask for supervisors, and explain many times. I got my mortgage broker and his brokerage involved and had them email Dovenmuehle Mortgage, Inc and explain there's not supposed to be any shortage since I paid OUT OF POCKET, AND AT CLOSING, AND HAVE BEEN MAKING ON-TIME PAYMENTS! NOTHING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Fraudulent account on my consumer file.

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 2021-08-19
Company: Experian Information Solutions Inc.
State: LA
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:
My credit score dropped 21 points overnight for no reason. ( Citing " Your number of accounts with balances decreased by 1 '' ) ( " On your previous report, you had 14 accounts with balances -- now you have 13, which could mean you closed an account or paid off a card you no longer use '' ) Neither of those two reasons are Accurate BOTH are false statements giving no justification to Experian actions.

I am of the belief that this company ( Experian ) uses deceptive practices to deprive consumers of fair credit score ratings. Experian I believe is being paid by companies to provide poor credit score rating allowing for higher interest to be charged for loan products and in many cases keeping targeted XXXX XXXX Consumers out of the lending market causing economical hardships to targeted XXXX XXXX. 

The fact that my credit score increased 11 points this month from XXXX to XXXX due to the fact that I paid my loan balance down. Then decreased 21 points in the same month taking the 11 point increase for paying my loan balance down and 10 more points from my previous XXXX score denying my efforts to achieve a higher credit score quest ultimately denying my participation in the Economical process. 

I HAVE NOT CLOSED ANY ACCOUNT. 
I HAVE NOT PAID OFF A CARD I NO LONGER USE. 

Experian promotes a product they call Experian Boost to help build credit scores for a cost all about a dollar maybe Experian feel I should pay them as well to support my credit score goal and if not they will continue with Experian Deceptive Practices. 

Experian XXXX XXXX XXXX would be a better assessment of the company goals. 

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 2020-06-25
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I spoke with XXXX XXXX at QuickenLoans on XX/XX/2020. He took my information, crunched some numbers and said I was approved. I moved money around to clear the forbearance I had in place that was offered to me by XXXX XXXX ( didn't realize it was a forbearance, I just thought they were being nice by giving me a 3 month pass then put it on my credit report ). And sent in my tax returns as requested. He said with {$500.00} earnest money we'd be all set. 

The next day I get a call after sending in my info from a XXXX saying that I needed 6 months reserve. This was never mentioned in my initial conversations and had it been I would've told them there's no way and we could've cut this whole process short. Now I'm out some penalty fees for moving money around that I won't get back from QuickenLoans. 

Classic bait and hook predatory lending schemes. I thought they were better than this but I guess not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Received a phone call from an alleged ( Pro collect ) XXXX or XXXX credit debt collection agency regarding an apartment that was rented, which the operator ( XXXX XXXX and XXXX XXXX ) stated we still owed {$1000.00}, to which we have never received a bill or contact from the Latitude Apartments XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. On XX/XX/XXXX we turned a 60 day notification and asked if we would be able to move out by XX/XX/XXXX, we were told yes they were unable to find our lease, so we proceeded. We turned in the keys and left a clean apartment on XX/XX/XXXX, after that we proceeded to call the apartments on several occasions, to ask if we owed anything we were told no. We proceeded to leave our forward information for any future questions, still not receiving any bill. The collection agency has been a nightmare, very rude staff, and unable to help us resolve this mistake, continually threating to ruin our credit.

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 2022-08-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT I attempted to open a savings account with XXXX twice, once on XX/XX/XXXX and again, at their request, on XX/XX/XXXX. Both times I was declined. I received mail from XXXX dated XX/XX/XXXX that I was declined for the XX/XX/XXXX application due to information at ChexSystems. I requested on online a report from ChexSystems, which I received dated XX/XX/XXXX. All of the information from ChexSystems was correct, and matched what was provided to XXXX. On XX/XX/XXXX I contacted XXXX and requested more information. They advised me to resubmit my request. I did so on XX/XX/XXXX. This request was also denied. I followed up with XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX responded that I needed to verify my identity with ChexSystems. Although I am not sure of they date, sometime after this and before XX/XX/XXXX I called ChexSystems, which put my on hold several times while they reviewed my information but provided no resolution. They eventually sent me a new report, date XX/XX/XXXX, with the same information as before, with the additional inquiry from XXXX added. After receiving this mail I called ChexSystems again and was told they do not verify identity. On XX/XX/XXXX I called XXXX and was told the accounts were denied because of the response from ChexSystems, with no additional detail. on XX/XX/XXXX I called ChexSystems and was told they will not provide any details on the inquiries from XXXX and will only send the same report I have already received twice, which all has accurate information, and that I should check with XXXX as to whyI was denied. I am now at an impasse as both XXXX and ChexSystems are blaming each other an each refuses to provide any details.

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 received notice on XX/XX/XXXX that my Transunion credit score had gone down and when I signed in I found an account from XXXX XXXX XXXX that said that it was a student loan opened in XX/XX/XXXX and most recently updated in XX/XX/XXXX. First of all, I did NOT attend school there in XXXX or XXXX and sure as heck didnt have a loan from XXXX XXXX XXXX. My credit report now says I have 18+ past due payments over the last 25 years and brought my 100 % payment history  to an 80 %!!!!!!!!!!!!! Are you kidding me????? 
Transunion obviously has a bunch of morons working for them. This has got to stop!

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