BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a XXXX survivor, I was laid off from work then I was hospitalized, when I was well enough I reached out to capitol one to explain and notify that I have missed the XXXX payment due to being in an Covid-19 impacted area and being hospitalized and asked if I could get an extension on payments until XXXX with no late fees and interest payments, which I was told would be honored, until my health insurance was being debited and the card declined due to the fact that Capitol one charged me late fees and interest fees for the month of XXXX and locked the card, I tried to pay my health insurance and was advised that I could only use the card on file due to everyone working from home, they are not allowed to take or change customer finance information on file. I reached out to Capitol One and they clearly stated that they were not honoring the directives of the Cares Act and demanded that I pay the minimum payment due before they would release the card so I can pay my health insurance. I was extremely ill and this is the time that they chose to take advantage of me. I was charged a late fee and charged interest payments for the month of XXXX that they stated will not be removed, which is a clear violation of the Cares Act

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-07
Company: RESOURCE PRO
State: MO
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:
I received a call on XX/XX/XXXX. It was from someone who helps veterans stay up to date on changes in benefits. In this case, a man asked me if I was aware of some new legislation regarding VA loans, and he asked if I was interested in learning more about refinancing. I've already refinanced recently but I thought I'd humor them anyhow since information wouldn't hurt. He directed me to Resource Pro ( XXXX XXXX, CA ), where I believe I talked with XXXX XXXX ( XXXX ) -- I think I was redirected through the call I was with him on ; the loan center number is XXXX. She collected information from me. I also talked to a man on XX/XX/XXXX ; I believe he was " XXXX '' ( XXXX ) a manager according to XXXX -- though the number the call came from was XXXX. At no point in either conversation did I explicitly consent to a hard inquiry. I wasn't under the impression that they were going to do that. Yet, on XX/XX/XXXX, I checked my credit report and found an inquiry dated XX/XX/XXXX from " XXXX XXXX '', an entirely unfamiliar entity. I talked to XXXX again a few times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). She was helpful and eventually directed me to XXXX for assistance. I called him twice that week ( XX/XX/XXXX and XX/XX/XXXX ) and left a message. He never returned it. I tried contacting the bureaus and filing disputes, but it didn't work. The inquiry is still there, and I still want it gone. Furthermore, they also did a hard inquiry on my wife 's credit report. She wants that removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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: Account information incorrect

Complaint:
I sent a dispute certified to Equifax on XX/XX/XXXX regarding unauthorized inquiries that were not authorized for employment, insurance, or is it tied to any account. 

XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My personal check was refused at XXXX XXXX even though my banker assured me that there would be no problem writing a check from the next pack of checks than the ones that were my stolen wallet. A company called Certegy Check Services contracted by XXXX XXXX. I called the number on the refused receipt for an explanation but was given around when I asked how they knew anything about my banking situation. My drivers license number showed no information on their files. I became tired of the run around and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 2017-09-14
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XXXX XXXX, 2017 I called Quicken Loans in response to an advertisement for HARP refinancing. The loan agent, XXXX XXXX, looked up my eligibility for HARP refinancing and was unable to locate my loan on either FHA loan sites. He tried to convince me to refinance, but I am self-employed an have less than a year of income history so know I would be unable to get approved for a loan. XXXX requested the ability to do a soft inquiry of my credit to see if there was something he could do. I was extremely reluctant, knowing that a ) I was n't going to qualify because of my self-employed status and b ) I did not want negative impact on my credit report. He assured me it would have no impact on my report. 

On or about XXXX XXXX, I received a complete loan application from quicken loans via US Mail. I was shocked, since I was 100 % clear that I had no intention of applying for a loan. I disposed of the application appropriately. I received several phone calls from Quicken that day and made it clear that I never had any intention of proceeding with a loan, asked them to stop contacting me. 

On XXXX XXXX, I received email from Quicken advising me that they are unable to go forward with the loan " because of adverse credit '', and promoting their credit counseling services. After looking up my credit reporting information, I discovered that they did a hard inquiry without my permission on XXXX XXXX. 

I am requesting that : A. The hard credit inquiry initiated by Quicken Loans on XXXX XXXX was done without my permission and I want it removed from all credit reporting agencies records. 
B. I want to be assured that a credit rejection does not appear in my records because I never gave Quicken Loans my approval to proceed with a mortgage refinancing process. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
At the beginning of XXXX, credit bureaus has a massive security leak, and lost sensitive data on millions of Americans. The only thing I can do to protect myself as a citizen, is freeze my credit. My issue, is that all of the credit bureaus are charging for these freezes. Freezes that must be made because of their negligence. It should not be legal for them to charge, because of problems they caused. Also, they have made it almost impossible to use their automated systems for freezing your credit. These credit institutions are obviously taking advantage of the system and the American citizens that make it possible for them to exist. This is disgusting, and must 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
Consumer complaint received 2017-07-26
Company: ECMC GROUP, INC.
State: KY
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:
I have received repeated phone calls from XXXX XXXX concerning a debt owed by another person, same name each time. Each time I have told them that they have the wrong number and each time I am told they will mark their records accordingly and that I would get no more calls. Received another call this morning XXXX/XXXX/XXXX at XXXX XXXX from XXXX. When I tried to explain the situation and told him that I was going to file a report, he hung up.

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 2018-02-21
Company: HW Holding, Inc
State: NC
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:
I never received documentation regarding this debt from Hunter Warfield. Upon noticing they were reporting on my credit report I called to ask to verify the account information. The collection agent verbally told me about charges that do not belong to me. After stating that the charges did not belong to me I requested the account information to be sent to me to verify the debt ( this was a verbal request ). I never received documentation I requested. I contacted a lawyer for assistance, my Lawyer sent out a letter disputing the charges with an offer that I provided in lieu of removal. The letter was sent XX/XX/2018. I have not received any information regarding this account to verify the false debt. I check my mail daily for this information. Although, I disputed the inaccurate information being reported on my credit report for a debt I do not owe, the company continues to report this on my credit reports which is against the law. I request immediate removal from my credit report for proving inaccurate information that is stopping me from gaining approval on credit applications.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
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 have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

XXXX XXXX XXXX XXXX - XXXX - {$29000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to email XXXX several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.

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 2017-07-13
Company: Prosper Marketplace, Inc.
State: GA
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:
Prosper Marketplace XXXX XXXX.Ca.XXXX. XXXX They pulled my credit report on XX/XX/2017 this pull was a hard credit pull. I was not informed it was going to be a hard pull there web site says soft pull that will not affect my score. I have not received any loan after the date they pulled my credit report or received any letters in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON XX/XX/2021 I SUBMITTED A CFPB COMPLAINT AGAINST TRANSUNION, REGARDING THE UN-AUTHORIZED REPORTING OF TRANSACTIONS AND EXPERIENCES ON MY CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE, AND WITHOUT MY EXPRESSED WRITTEN CONSENT. I UPLOADED A COPY OF MY FTC I.D . THEFT REPORT AND ATTACHED IT TO MY CFPB COMPLAINT. I REQUESTED THAT TRANSUNION REMOVE AND DELETE WITHIN 4 DAYS OR PAY ME {$1000.00} PER MINUTE FOR THE FRAUDULENT INFORMATION THAT HAS BEEN POSTED ON MY CREDIT REPORT PER 15 USC 1681C-2 ( A ). TRANSUNION FAILED TO REMOVE AND DELETE AS I REQUESTED. I RECEIVED AN IDENTITY THEFT-RELATED REQUEST LETTER DATED XX/XX/2021 FROM TRANSUNION DECLINING TO BLOCK THE INFORMATION THAT I REQUESTED ACCORDING TO 15 USC 1681C-2 ( A ). TRANSUNION DETERMINED THAT MY REQUEST HAS EITHER A ) BEEN MADE IN ERROR ; B ) IS A MISREPRESNETATION OF MATERIAL FACT RELEVANT TO THE REQUEST TO BLOCK AND/OR C ) I HAVE OBTAINED POSSESSION OF GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTION ISSUE. IN RESPONSE TO TRANSUNIONS REASONS TO DECLINE THE BLOCK OF MY INFORMATION A ) MY REQUEST WAS NOT MADE IN ERROR ; B ) THERE WAS NOT A MISREPRESNETATION OF MATERIAL FACT RELEVANT TO THE REQUEST ; C ) IF I HAVE OBTAINED POSSESSION OF GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTION ISSUE, THEN PLEASE HAVE A SENIOR EXECUTIVE FROM YOUR COMPANY CERTIFY UNDER PENALTY AND PERJURY THAT I RECEIVED GOODS, SERVICES, OR MONEY. TRANSUNION HAS FAILED TO PROVIDE A SPECIFIC REASON TO DECLINE MY REQUEST. TRANSUNION HAS ALSO FAILED TO PROVIDE ANY PROOF OR RELEVANT DOCUMENTARY EVIDENCE OF THIS DECISION. TRANSUNION OPENED A RE-INVESTIGATION OF THE DISPUTED INFORMATION BUT HAS FAILED TO PROVIDE DOCUMENTARY EVIDENCE OF THE INVESTIGATIVE CONSUMER REPORT OBTAINED VERIFIED BY THE NAME OF A MAN AND/OR WOMAN THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES. TRANSUNION FRAUDULENTLY PLACED AN EXTENDED FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT AND DIRECT REQUEST, OR ON MY BEHALF PER 15 USC 1681C-1 ( 2 ) ( B ) ( 1 ). TRANSUNION IS ALSO IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY CONTINUING TO FRAUDENTLY REPORT INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES THAT ARE SUPPOSED TO BE EXCLUDED FROM MY CONSUMER REPORT THAT I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT TO. THIS HAS CAUSED DAMAGES, AND INJURIES TO MY NAME, REPUTATION, CHARACTER, AND CREDIT CAPACITY. I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I 've submitted financials and request for mortgage modification to Ocwen Servicing several time. Ocwen is in willing to work with me to keep the my home that my father left to me upon his XXXX. I 've provided the Authorization, Power Of Attorney, and XXXX Certificate necessary for me to move forward with modifying the property. 
Ocwen is giving me incorrect information and saying they did n't receive the modification request and financials. I 've also been told by several customer Service Representatives what to fax and where to fax the required information. Please Help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in you credit file. The Credit Bureau has not updated the information and per law true Bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: MORGAN STANLEY & CO. LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Loan matured XX/XX/XXXX. 
Loan extension was requested prior to maturity but terms of modification were never disclosed to me. I was not willing to pay trial payments without knowledge of the modification terms. 
In XX/XX/XXXX, I requested a payoff amount to pay loan in full. I received a payoff quote charging me interest up to the end of XXXX which is way pass the maturity date. I requested to have an updated payoff with interest up to the maturity day. the investor stated this is not allowed. I checked the credit agreement today on XX/XX/XXXX and no where in the agreement it says they can charge interest past maturity. in fact, there is language that talks about a balloon payment at maturity where all interest and principal is due up to that point. that is all I want to do - I want to pay the account accurately and in full up to the maturity date. they stated if I pay less than that then the account will reflect as settled and non paid in full on my credit history. I do n't agree with this. in addition, today 's representative " XXXX '' stated that there is default language in the agreement that states they can charge interest pass the maturity date. this is a lie as nothing is stated in the agreement regarding default. he proceeded to hang up the phone when I asked for the language he was referencing.

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 2018-01-03
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Under the Home Affordable Modification Program HAMP- letter from CHASE Dated : XXXX XXXX.2017-about eligible for " incentive credit to principal with timely payments -This was never applied nor known to me- under program for Treasury incentives " for every year credit to be applied - up to {$1000.00} per/yr and a one time $ XXXX-this has not happened at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include Name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports with XXXX, XXXX, and Experian. The Bankruptcy identification number is : XXXX XXXX Bankruptcy Court XXXX, Georgia 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 2022-02-07
Company: EQUIFAX, INC.
State: WA
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 sent you a debt validation letter more than 30 days ago asking for the credit bureaus to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. 

I disputed the accounts information as being inaccurate, and these agencies responded by stating they were able to verify this debt. But how is that possible? I have contacted the creditors myself, and they only sent portions of the information requested- this is against 15 U.S Code 1692b ( XXXX ) for sending insufficient validation documents showing only symbols and stuff. Also Under 15 U.S Code Section 1681n Civil Liability for willful noncompliance and 15 U.S Code 1681o Civil liability for negligent noncompliance The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal restricted my account with not a great reason or with practically no substantial explanation. Im sure that I followed all their policy. It enormously influence my work in light of the fact that my supervisor send my compensation in my Paypal account. Trusting that they can reestablish my record back. Much appreciated! Here is my PayPal email XXXX.

Company response to consumer: Closed with explanation