BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
State: KS
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:
On XX/XX/XXXX at XXXX XXXX C.S.T. I spoke with an attorney for XXXX XXXX from phone number XXXX. At that time, the attorney wanted to get the jist of my complaint to the Consumer Financial Protection Bureau. I advised the attorney that I did not recall the loan and that I had a live in fraud alert on my credit bureau because my former live in boyfriend had stolen my identify ( which I did not find out until months later ). I did not get to take advantage of these funds and after being threatened repeatedly with jail and repossession of my vehicle by their collectors I paid the bill out of fear. 
Subsequently, the attorney under both the American Bar Association Regulations and Federal Statutes has a duty and an obligation to review the complaint. According to 15 U.S.C. 1681c-1 ( h ) ( 1 ) ( B ). & FCRA 605A ( h ) ( 1 ) ( B ) Potential creditors must use reasonable policies and procedures to verify the identity of an applicant before issuing credit in the consumers name. 

In reviewing the loan documents XXXX XXXX referred over there was no proof of identity provided. No copy of my original signature or drivers license that would be the very least reasonable procedure instituted and is industry standard when faced with any consumer transaction, especially those involving identity theft. 

I have made attempts to resolve this with the company that at this point is destroying my credit and causing me to incur damages as a result of their refusal to comply with state and federal laws. I kindly request that the following item be deleted from my credit report as it is not mine. If XXXX XXXX continues to blatantly violate the law, I will be forced to seek civil damages and injunctive relief. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Greetings I sent am email on XX/XX/2021 asking why my mortgage rate was going up again. It goes up every year. I didn't get an reply. But, before this I was getting calls to refinance and I said no. and then I was constantly getting harassed by this number XXXX. And He also text me XXXX XXXX to refinance. And when I wouldn't response I got an letter. A letter about my mortgage going up, because, they said, my taxes and Homes insurances went up. They also said, my home Insurance wasn't paid. However, my taxes didn't go up and even if it did, I don't pay taxes. I am not understanding this. Why have an escrow account if its always empty. I can pay my own homeowners insurance each year. Because they are terrible at this. However I thought I could paid the balance due at the end of the year, if I was short. This sounds fishy. I also emailed XXXX XXXX on XX/XX/XXXX at XXXX. XXXX XXXX XXXX. I didn't get an reply. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: NY
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:
as per Experian 's request for documentation, please see attached social security card and identification for my claim due to identity theft

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 2018-12-19
Company: BB&T CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my Family home from my Mother giving her a life estate, in XX/XX/2016 my Mother Died, the bank was notified with death certificate and at that time I presented the bank with my registered deed and my intentions to keep the house as its my primary residence. I ask BB & T what the payoff is, BB & T refused to talk to me. so I withheld payment and told BB & T I wanted to pay off mortgage BB & T still refused to acknowledge the interest I had in the property as a heir and owner. I called almost weekly for a time trying to find out information when foreclosure proceeding started my Attorney ask for payoff he was not able to get a correct answer from the Trustee ( XXXX, XXXX XXXX ) for over a year this continues, BB & T got the foreclosure so I appealed the decision which is where we are at now. Finally the bank recognizes I am owner and heir, ( Attached ) I do not think BB & T followed the Guidelines of the current regulations. 
if the bank had followed the guidelines the house would have never gone into foreclosure thank you for any assistance you can provide. 

Loan number : XXXX 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 2020-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After many years of being negligent with credit checking. I checked my credit and discovered that I had a open XXXX credit card under the name XXXX XXXX. I once lived in a urban area my mailbox had been tampered with many times. I disputed the charges with the credit company.it 's actually a company that purchased the debt from another company. Explaining to them that my name is XXXX XXXX..not ( XXXX XXXX. ) Years ago I rented a room to a family member in conjunction to having the my mailbox tampered with the possibilities are endless for the potential for identity theft. My name is XXXX XXXX not XXXX XXXX the debt does not belong to me. I have decided to file a complaint against portfolio recovery associates LLC. Illegal practices by placing this debt on my credit that does not belong to me ( XXXX XXXX ) portfolio recovery associates LLC purchase XXXX XXXX debt merchant XXXX. portfolio recovery associates LLC paid {$120.00} for the original debt and now they're charging me {$710.00} debt that is on my credit report and I'm unable to do anything to have it removed, but to pay money that I'm not responsible for or to settle by paying either the full amount are the amount broken up over 3 months but why would I pay debt that I'm not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: PA
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 Account # XXXX, # XXXX, # XXXX, and # XXXX I do not recognize how these four accounts are reporting on my credit report. I do not recognize the account numbers, account status, account high balances, or late payments associated with them. Everything reported here does not meet FCRA. 

Additionally, these accounts are listed as a charge-off on my credit report, however a balance is still being reported. I never received a 1099-C any of these four account. 

Furthermore, each account is riddled with inaccuracies across the three credit bureaus. These accounts must be removed for this fact alone. I am entitled to a fair and accurate credit report and this is far from it.

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 2020-12-16
Company: RentDebt Automated Collections, LLC
State: TX
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:
On XX/XX/XXXX I made a {$1700.00} payment to RentDebt to remove a collection off my credit report. Before I made the payment I was told I would get a deletion letter. After the payment was made I received a XXXX  balance letter through email. After a couple weeks I called to check the status on the deletion letter and was told that they only provide a XXXX balance letter. I called RentDebt back on XX/XX/20 to follow up because I was informed that this company does provide deletion letters. The deletion letter that was promise at the time of payment I was told again by an agent that RentDebt only gives the XXXX balance letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
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:
To whom it may concern I would like to make this brief. I have contacted Equifax, XXXX, and XXXX on several occasions by certified mail, phone call, fax, and online. It seems to me that this is becoming more of a fairy tale joke to you and no one has responded. I contacted each creditor but no one was able to confirm that the fraudulent accounts and inquiries are mine. They havent not yet provided me with any proof of an original document showing my signature. By law with in the FCRA 609 it must me removed immediately. It has been more than 90 days for this investigation and my results were deleted online and Im sure it was done because I called in to mention that I have record and recorded every call, I made copies of all court documents and I definitely had a run in with you guys a few years back to due to lack of providing proof of evidence on how inaccurate information was placed on my report. It seems that this is the same situation. I am fed up and this will result in a court room. I will allow the judge to make the decision because I have had previous problems with you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
On XXXX XXXX, XXXX at XXXX a.m. XXXX. I spoke with an attorney for XXXX XXXX from phone number XXXX. At that time, the attorney wanted to get the jist of my complaint to the Consumer Financial Protection Bureau. I advised the attorney that I did not recall the loan and that I had a live in fraud alert on my credit bureau because my former live in boyfriend had stolen my identify ( which I did not find out until months later ). I did not get to take advantage of these funds and after being threatened repeatedly with jail and repossession of my vehicle by their XXXX I paid the bill out of fear. 

Subsequently, the attorney under both the American Bar Association Regulations and Federal Statutes has a duty and an obligation to review the complaint. According to 15 U.S.C. 1681c-1 ( h ) ( 1 ) ( B ). & FCRA 605A ( h ) ( XXXX ) ( B ) Potential creditors must use reasonable policies and procedures to verify the identity of an applicant before issuing credit in the consumers name. 

In reviewing the loan documents XXXX XXXX referred over there was no proof of identity provided. No copy of my original signature or drivers license that would be the very least reasonable procedure instituted and is industry standard when faced with any consumer transaction, especially those involving identity theft. 

I have made attempts to resolve this with the company that at this point is destroying my credit and causing me to incur damages as a result of their refusal to comply with state and federal laws. I kindly request that the following item be deleted from my credit report as it is not mine. If XXXX XXXX continues to blatantly violate the law, I will be forced to seek civil damages and injunctive relief. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT 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 2020-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was originally charged in two separate payments for a condo vacation rental that I disputed and they sent a rebuttal back which I then disputed with further proof as to why I was entitled to a full refund, I originally didnt realize there were 2 separate case numbers and capital one requires that you send proof with the case number and amounts. I sent all of my proof by fax in writing with documents but only mentioned one case number, when they credited my account on the XX/XX/XXXX I then realized I needed to fax copies with the other case number as well, which I did on the XXXX. The paperwork says to give them 10 days to respond. The paperwork also said the deadline to further dispute was XX/XX/XXXX. On XX/XX/XXXX I called the dispute department to see what was going on as to why the credit had been but on my account for the one charge and not the other. The guy said he didnt know what happened that it does show they received the fax on the XXXX that he was sending me over to a different dispute department so they could further investigate what happened. Once talking to another customer rep he tells me they didnt receive it that it could have been lost or something and I told him the guy I spoke to before said it showed they received it. He told me to just fax it over again which I did on that same day and today XX/XX/XXXX I got a document saying I missed the deadline to dispute this charge. I have proof that I faxed it on the XXXX and that it was received on top of their employee telling me they received it. The payments were {$460.00} and {$400.00}. The {$400.00} charge is what they have not credited. The case numbers are XXXX and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-08
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Simple Bank closed and transitioned all customers to their parent bank BBVA USA. Transition failed and all Simple customers have lost access to their money except use of a debit card. Only support option is a phone number which is not answered. XXXX account said issue was resolved but most customers still can not access their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/XXXX, I reached out to this consumer reporting agency by via phone call. I informed the representative who I spoke to that this agency is in violation of the FCRA ( Fair Credit Reporting Act ) - pursuant to 15 USC 1681 ( b ) - number ( 2 ). Which states " subjection to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. '' Representative did not comply with my instructions. I informed the representative that I will be forwarding over supporting documents in writing by via USPS Certified Mail on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
AMEX XXXX card promises 20,000 bonus points for referring someone. after a successful referral the bonus points never was sent to my XXXX account. AMEX said they will fix it but more than 2 months later still no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01
Company: AMERICAN HONDA FINANCE CORP
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: Investigation took more than 30 days

Complaint:
I am writing to let you know that on XX/XX/XXXX /, I bought in XXXX XXXX XXXX, this vehicle is identified with the VIN : XXXX. I made this purchase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Unfortunately, I have been having problems with the account due to the treatment given to the payments made and the way in which my account is managed by financial department. 
I asked to them to proceed to eliminate the notifications of late payments of my credit report for the months of XXXX, XXXX and XX/XX/XXXX because I have kept making weekly payments and I have never stopped making them and they reported to credit boreau without consider my explanation and notification to the company. 
You can see in the attached monthly report the status of my account. These notifications to the credit companies have negatively affected my credit scort in a significant way. 
I want to express to you that I have never refused to make payments or answer the received calls and I have explained the notification in my account that in these months my mother in XXXX has been under medical treatment and this has affected my personal budget. 
Attached copy of my account statement that checks the status of my account for today 's date. Additionally, I ask to them to extend the payment for the months of XXXX and XXXX and they refused to approve both month and I need to adjust my income to continue to cover my commitment of payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: LoanCare, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please Help, I am current on my mortgage payment, I never made a late payment, I do not have any other liens or other mortgage on my property. I made a request to have the PMI on my loan canceled after making additional payment to bring the principal to XXXX loan to value. Now the bank is asking to send them a check for {$420.00} to have the property appraised if I want to proceed with my request. I feel this {$420.00} the Loancare is asking me is additional step that I should not have to take since I already met all the requirement to have the PMI removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
BofA edd prepaid they playing games wit my funds it took them two years to pay me out one claim thats not right at all XXXX $ in XXXX $ in a few more that I wrote down

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 2017-09-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a victim of hurricane XXXX. I called my mortgage co the week of XXXX XXXX on the process for my damage house. They advised me to mail in my check from insurance to them both on it and then they would disperse funds back within 4-7 days. Last week I mailed the insurance check and verified if they had received and was told no. Then told by another person at mortgage co the process would take 4-5 days to review then around 7 days to mail the check. Then I look online later and receipt for my insurance check had been received. Now I called today to start paying for repairs, and my file has not been approved yet. I asked for a manager to call me last week and no one called then today I asked for a manager to call me and still nothing. I need to pay for the expenses incurred now not later.
It 's amazing they have cashed my check getting insurance on my money ( insurance funds ) and I ca n't even get to pay my bills for repairs. I do n't have an escrow with them even. I have paid my taxes and insurance seperately. This process is ridiculous. I have always paid my insurance and home mortgage on time now when I need them they will not pay me my insurance funds to fix my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: AR
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:
Unauthorized Credit Inquiries reported to XXXX XXXX - XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief