BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
In XX/XX/XXXX -XX/XX/XXXX time frame I had contacted Capital One in order to be proactive advising them that my husband had been admitted to XXXX for a XXXX XXXX and I was having financial hardship from only having 1 income and wanted to avoid my credit from being ruin was there anything I could do I couldnt afford the amount of payments on both my accounts. I was entered into a financial hardship program for both cards. They told me once I was approved I had to make 3 payments on time and the past due amount would go away. That never happend on 1 of the cards and it is reporting against me as past due affecting my credit report. I had called in the beginning in XX/XX/XXXX and XX/XX/XXXX and was told by I think XXXX once I made 3 payments that past due amount go way. Still never did. I called today XX/XX/XXXX XXXX told me its a computer glinch and Capital One trying to fix it I told her NO that is not true because if it were then how is my XXXX card fine but the XXXX XXXX is reporting past due and I am in the program on both. Once I refuse to accept that answer she comes back to tell me I have to pay {$72.00} in order to bring it current and this was never told to me before and how was I approved for this program and never told this until today she claims there are no notes from the 3 previous conversations THAT STRANGE I asked her isnt that weird there are no notes of our conversation but yet they see I called she agreed. I wanted to speak with supervisor was told I had to wait to get a call back she wasnt sure when or who it would be REALLY and this is wrong I want my credit fixed and Capital One to beheld responsible I worked hard to repair my credit which is ruin because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, I requested a " a single-use personal identification number '' from Experian to grant a creditor a one-time access to my credit report. I also made the same request for my wife 's credit report. I obtained a PIN for my credit report and my wife 's credit report. Gave these two PIN numbers to a loan officer at my credit union and he was only able to obtain my credit report but not my wife 's report. Tried the same procedure again, to get another PIN for my wife 's report and it gave me a message that I had to write a letter to get a PIN number. I tried calling Experian on the phone to see if I could talk to someone about the problems I was having it said I had to write a letter to request a PIN number. I had the same problem a year ago and ended the loan process because it was so frustrating. 
Experian seems to not be interested in talking to me and finding out how to solve the problem I'm having. There needs to be some way to talk to someone at Experian to find out what can be done besides writing a letter and waiting for several weeks to get an answer.

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 2021-09-11
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Tried to have a fraud alert removed online with Equifax. You have to call or mail them to have the fraud alert removed. When you call there is no option to have the fraud alert remove. I called multiple times to speak with a representative and unable to get through to a representative. The next step I took was to write Equifax to have fraud alert removed. I provided the required documentation. They wrote me back about extended the fraud alert when I explicitly told them to terminate the fraud alert effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage since XX/XX/XXXX with the same insurance company since then. The service company changed to LoanCare in the past 12-18 months while everything else remained stable. On XX/XX/XXXX my insurance was up for renewal and the new servicer did not pay the bill for home insurance despite calls from me to them. As a result my insurance was dropped and I was charged XXXX $ fee for lapse in coverage. My new insurance co. began XX/XX/XXXX.  Loancare denied any responsibility for the lapse in coverage and deducted the money from my escrow account. I believe they are responsible for the lapse and then they had the nerve to charge me for their mistake.

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 2021-09-11
Company: BARCLAYS BANK DELAWARE
State: NV
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:
Barclays bank had a computer issue that did not process scheduled " repeat payments '' and then charged the consumer a late fee and interest charges. This was not completed without talking to the company to correct the issue. I was on a repeat schedule on the XXXX of every month of {$100.00}, they failed to process it ( on XX/XX/21 ) and was charged fees {$29.00} & {$1.00} on the XXXX. During my phone call with Barclays I authorized the payment for the normal amount of {$100.00}. They fraudulently charged a second payment of {$100.00} on XX/XX/21 and are not willing to send refund to me at this point. I am being told this could take up to two ( 2 ) months to receive the payment back to m. his could cause secondary issues with paying my other bills causing late payments or " refused/denied '' payments from my bank for other bills such at housing and transportation. Barclays continued to disagree with my statements that their charge of the second {$100.00} on XX/XX/21 was unauthorized and therefore fraudulent. They refused to help and continued to state that their protocol was to take this " normal '' amount to time to resolve the issue, which I completely disagreed with and again requested my reimbursement to be received no later than Tues XX/XX/21.

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 2019-03-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XXXX XX/XX/2018 {$1600.00} Citizens bank transferred from my checking account that I did not authorize to an account that I do not have. Have made repeated attempts to get this resolved but the bank continues to be unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Purchased a home as is inXX/XX/XXXX. Filed for Chapter 7 Bankruptcy in XX/XX/XXXX. Continued payments on the home until XX/XX/XXXX All calls to Ditech starting inXX/XX/XXXXwere greeted with the " home is bankruptcy '' you are not responsible for the debt. They would not assist with any details on how I could save the home from foreclosure and request for modification prior to XX/XX/XXXX were denied because the loan type is a retail installment agreement. Interest rate is 11 %. No one would consider refinancing because of the foundation issues. XXXX XXXX & the Loan Servicer Ditech are predatory companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: I.C. System, 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 status incorrect

Complaint:
XXXX XXXX XXXX charge mw for months of rent after my lease was up upon contacting the office they said their corporate office handle this and it was a automotive portal that charged me and it was nothing XXXX XXXX can do about it that I would have to contact their corporate office. I did and nothing happened so this was sent to a collection agent. this is a fraudent charge.

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 2021-09-13
Company: EQUIFAX, INC.
State: TN
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:
XXXX and XXXX XXXX was the same request to resolve and issue I called on XX/XX/2021, to inquire why they were on my credit report as a hard inquiry, they sent me a letter. When I got the letter to see why I got the hard inquiry for their card when they did a SOFT inquiry without my approval. That is when they checked the file on XX/XX/2021 to see what was happening. This apparently resulted in another HARD inquiry just for finding out what was happening with my application on file. I will agree, I do not understand how most of these credit card companies work. Please help me and remove these two hard inquiries off my credit report. This was not fair and not authorized to place a hard inquiry on my credit report. Please help me and delete both inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: ID Analytics, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I submitted complaint XXXX on XX/XX/XXXX. Again I have never heard of this company. I will call to request a copy but COMPLAINT : When you pay XXXX to have your identity monitored below is what they monitor. XXXX isn't mentioned. If XXXX is being used by companies to report your credit history why are they not monitored? I am seeing many complaints on the internet from consumers that have similar issues with XXXX. See below advertisement on XXXX XXXX Website With XXXX, You Can : Monitor Your Credit Credit Score and Report Features Include : What You Need to Know : The XXXX Credit Score and 3-Bureau credit scores are based on the XXXX  Credit Score model. Third parties use many different types of credit scores and will not use the XXXX Credit Score or 3-Bureau credit scores to assess your creditworthiness. 
With XXXX  CompleteXXXX XXXX XXXX, You and a Second Adult Can : Monitor Your Credit Credit Score and Report Features Include : Bureau Credit File Monitoring1 Credit file monitoring and automated alerts of key changes to yourXXXX, XXXX, and XXXX credit files. 
3-Bureau Credit File Monitoring XXXX 3-Bureau Credit Scores and Report XXXX Credit Score XXXX Credit Score Monitoring Again, nowhere is XXXX mentioned. I want this checked into. If they can report me who reports them???????

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 2019-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Capital One did not respond to my request to provide competent evidence that bears my signature that I authorized them to review my credit repost nor did they provide proof they contacted me on the number listed on the extended Fraud Alert on my credit report.

Capital One claims an auto dealership gave them permission. There were three other financial institution that also checked my credit report at the same time. They have completed their investigation and concluded it was a " fraudulent inquiry. '' The other financial institutions and car dealership have taken steps to remove the inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: ID Analytics, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Was denied on information from XXXX XXXX on XX/XX/XXXX. Information was sent to XXXX XXXX on XX/XX/XXXX. 

Calls for answers, credit report requests, and specific reasoning for given score ( XXXX ) have gone unansweredrobocall recommends leaving messages ( left two separate messages ). Far below and out of line with all other credit scores from independent providers. 

Intentionally opaque and against multiple aspects of the FCRA, including : Access to my Report Protected access to entitled parties Knowing when my Report is used against me

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 2021-09-11
Company: Experian Information Solutions 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 a bankruptcy on my report that is 7 yes old. I disputed I with XXXX and they removed it Experian will not.

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 2019-04-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a XXXX Mortgage XXXX from Chase XXXX. I sold the house and closing was done on XX/XX/2018. I had an escrow account for the XXXX Mortgage XXXX and there is a duplication of payment on XXXX XXXX taxes. I have been trying to get a refund from Chase XXXX and made numerous calls to Chase Mortgage but not getting results. 


Chase Mortgage Account No : XXXX FHA Case No : XXXX XXXX Had I been late on my monthly mortgage payment, Chase Mortgage would have charge a late fee and additional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: MN
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:
Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: The Bureaus, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for IC Systems to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen is trying to forclose on me and they have NO STANDING. because they are not the holder of the note in due course. And I want them and all who are involved charged with FRAUD.

1Lack of consideration contract was not 2 sided.

2 Non Disclosure of all facts about the use of my promissory Note with my signature.

3 they took my Note monetized it and put it back in their pockets as money and then charged me with a Bill of the same amount for 30 years plus interest.

4They converted the Promissory Note In to a security without full disclosure.

5 They Also put me on their ledger as a debtor. And clearly when they monetized the Note. I became the creditor. there for they robbed me from the begging. And I never received any Federal Reserve Notes from all of the transaction that have taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Experian Information Solutions Inc.
State: MN
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 DISPUTED TWO XXXX CREDIT CARD DUE TO THE ACCOUNT NUMBER THAT IS NOT MINE I SENT IN FACTUAL PROOF THAT IS NOT MY ACCOUNT NUMBERS BUT EXPERIAN STILL SAYS ITS WAS VERIFIED SO I'm going to OPEN UP A PHYSICAL INVESTIGATION WITHIN 15 DAYS OR PLEASE SEND ME According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
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 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 has different balances being reported to each of the 3 credit bureaus. In addition, they also have a charged off ststus for this loan yet also report late payments every month since XX/XX/2012. I have made numerous attempts to disute this inaccuarate information as well as even offered to pay XXXX XXXX to delete it and they along with the credit bureaus refuse to help. It is scheduled to fal off my credit this year but they should remove soiner since the information being published is grossly inaccurate. An account can not be noth in a charged off status which is a loss to the company, as well as late payments. If the account is closed/charged off then late payments do not apply. If the account is open then it cant be charged off. They have been reporting this innaccurate information for over 6 years now and noone will help me to resolve this issue. In addition the balances are also inaccuarte and even differ between vcredit bureaus.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: NJ
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 these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions or consent under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. 

XXXX has reported the following : XXXX  XXXX XXXX XXXX XXXX  ) : For a debt that can not be verified. The debt does not belong to me. 
XXXX XXXX : XXXX DAYS LATE XXXX XXXXXXXX : XXXX  DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : XXXX & OUTSTANDING XXXX / XXXX : MY ACCOUNT IS NOT CLOSED THE COMPANY CHANGED. REFLECTING A CLOSED ACCOUNT IMPACTED MY SCORE NEGATIVELY. 

XXXX has reported : Collections : ( XXXX XXXX ) XXXX XXXX : XXXX DAYS LATE XXXX  XXXX : XXXX DAYS LATE Experian : XXXX XXXX : XXXX DAYS LATE XXXX XXXXXXXX : XXXX DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : LATE & OUTSTANDING

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