BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: Guild Mortgage Company LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage below 78 % as of XX/XX/2019. It is my understanding that once below 78 % PMI should be removed automatically by the servicer. After my XX/XX/2019 payment still had PMI I called Guild Mortgage to ask why it had not been taken off. The representative said it is supposed to automatically be taken off, however, I need to request it be taken off in writing and it will take an additional 2 months after my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a alert from XXXX XXXX about a purchase made in a different state then I live in, which I stated I did not make. Was asked if I had the credit card on me, stated yes and was told the number was copied and that the card was being closed for protection. I was told I am not responsible and to destroy the physical card and a new one would be sent. 

Several weeks later I received a letter stating the fraud case was not valid and I was responsible for the large amount charge. When asked why they would approve a large amount of a charge after just denying a larger amount I was given no clear answer and that I had to pay the charge. 

I tried to resolve this issue with XXXX XXXX and stated I could not have physically made this purchase has I live on the other side of the country and could prove my physical whereabouts. They refused to assist me and stated sorry but you have to pay the amount anyway. I was not offered any prove that my signature was signed or that my physical card was used. All they stated was that the case was closed and a chip was used, even though the card was in my hand at the time I was called. 

I am unsure how to protect myself from here or to have the charge removed. I have excellent credit and pay all my purchases on time. Do I have an recourse to rectify this situation?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. I contacted the local police and the FTC about this. I also saw some inquiries on there that are not mine as well : 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 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 2018-05-11
Company: LJ Ross Associates
State: MI
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 disputed the error of L.J. Ross three ( 3 ) times, reporting I falsely owe this company {$2300.00} to XXXX XXXX hospital. I have contacted XXXX hospital and because they DO NOT request IDENTIFICATION upon registering consumers, I have been SELECTED to pay unknown medical bills for services I have NEVER used. I am entitled to an accurate credit report and this company is reporting FALSE information under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Today XX/XX/2019, I was given a check from the company I work for. The company banks with Chase bank. I proceeded to cash the check with an amount just under {$6000.00}. I walked into a chase branch and was told the check could not be cashed because it is over {$2500.00}. Because I am not a Chase account holder I should not be required to open an accoint or deposit the check elsewhere in order to obtain the funds represented on the check. I find it predatory that I would be required to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
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:
THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE LATE PAYMENT ENTRIES. THOSE LATE PAYMENT ENTRIES ARE INACCURATELY PLACED ON MY REPORT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE LATE ENTRIES PURGED OFF MY CREDIT FILE. THOSE LATE HAS BEEN CAUSING HARM TO MY FILE WHICH I WAS UNAWARE OF.

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 2023-04-01
Company: EQUIFAX, 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:
on XXXX, and on XX/XX/2023 I disputed several negative items on my credit report with all 3 credit bureaus. I asked for proof of such late payments reporting on my credit report, and it has been well over the 30 days time frame, and I have yet to see any changes, or been provided with the requested information. 

XXXX XXXX XXXX account is reporting late payments XXXX is reporting late payments XXXX reporting late payments. 
Per 15 USC 6803 a ( 3 ) protecting the non public personal information of consumers. 
XXXX XXXX child support is reporting, which is a violation since I have never provided written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CAINE & WEINER COMPANY, INC.
State: MA
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: EQUIFAX, INC.
State: KY
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 sent letters via priority mail and fax. I have filed a police report with the XXXX XXXX Police Department via submission number XXXX and an identity theft report with identitytheft.gov via reference number XXXX. I have included this information in each letter which I have sent over 10 times to each credit bureau including the following accounts that are results of identity theft. 

XXXX : Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX XXXX : Account : XXXX XXXX XXXX Account # : XXXX Equifax : Account : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE REMOVED. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO 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 2023-03-03
Company: Experian Information Solutions Inc.
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:
I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. 

In accordance with the Fair Credit Reporting act. The List of accounts AND INQUIRIES below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-12-12
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Refinancing mortgage ... on XX/XX/XXXXwe closed on our loan with XXXX XXXX XXXX in XXXX XXXX Utah. they recieved pay off amount of {$130000.00} from XXXX XXXX XXXX in Virginia the money funded on Monday XX/XX/XXXX at witch time XXXX XXXX XXXX notified me that they changed the amount to {$140000.00} and said there had been a typing error at witch time we were responsible for the difference the loan had been finalized and could not be changed with no apology from either company had been given. now at XXXX time a heavy financial burden has been placed upon me and my family do not feel at this time justice was in my favor.

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 2023-04-10
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I was the victim of a phishing scam on XXXX XXXX. An account that I didn't recognize contacted me and asked me what I would do if {$3000.00} was deposited into my XXXX XXXX XXXX account, then asked for my XXXX XXXX XXXX  tag. I shared only my tag before realizing that I was being scammed. The hacker was able to access my online banking information, transfer money from my savings to my checking account, compromise my email, access my mobile banking settings, and create a XXXX account through my Huntington Online Banking. The hacker was then able to then sentd a total of {$1700.00} to themself through the XXXX account they created with my banking information. XXXX denies being liable for this security breach because the transaction was made through their partner, XXXX. However, XXXX states that this security breach must be handled by Huntington who authorized the XXXX account through my mobile banking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received an offer from American Express ( Amex Offers ) in XX/XX/XXXX which I was able to attach it to the 3 cards ( Primary card and 2 Authorized User cards ). Each offer term stated that you are entitled  to 10 % statement credit at XXXX till XX/XX/XXXX upto a maximum of {$100.00} total. These offers were attached individually to each card which is available under a separate login to each user. The purchases were made on XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by XXXX XXXX. All 3 accounts also got the {$100.00} statement credits as promised on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as per the terms and conditions. However in XX/XX/XXXX two of the {$100.00} statement credits were reversed. 

I have called in 3 times since the time I noticed the reversal and each time was given an excuse that credits can only be awarded to the primary card member and not to the other authorized users even though the offers were individually attached to each card by their respective users. 

I can provide proof on hundreds of instances in the past where the credit has been awarded to all users individually and their terms and conditions were identical to the XXXX offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: R.A.Rogers, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In late XXXX my checking account with XXXX XXXX XXXX was closed because of unpaid overdraft fee. The final debt was sent to R.A. Rogers , Inc for a total of {$100.00}. I received a letter on XX/XX/XXXX from R.A. Rogers itemizing the debt and stating that " Your check dated up to 30 days in advance will be accepted as payment in full ''. On XX/XX/XXXX I submitted the full payment plus a {$6.00} processing fee through their online portal for a total of {$110.00}. I followed up with the company on the following week and they informed me they had no record of my payment and no record of sending me that letter, and that the real amount owed to them was over {$160.00}. I faxed them my records, including the receipt and a copy of the letter they sent on XX/XX/XXXX. They continued to dispute the letter, and are claiming the extra {$50.00} is " their fee for handling the debt ''. I've disputed this with the credit agency as well but the company refuses to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: GOLDMAN SACHS BANK USA
State: CO
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:
This is regarding the Goldman Sachs XXXX XXXX. 

I received a statement for XXXX totaled at {$490.00}. When reviewing the PDF statement that was provided to me for my XXXX statement, the total was listed as {$380.00}. During the month, I received a {$110.00} refund for an item I had purchased and returned in the previous month. This accounts for the exactly {$110.00} difference between the {$490.00} balance seen in the app, and the {$380.00} balance seen on the actual statement from Goldman Sachs. Rather than being properly subtracted from my total balance for the month, the {$110.00} refund was actually added to my balance -- thus creating the incorrect {$490.00} statement. I noticed this discrepancy on XX/XX/2019, 7 days before my statement was due. 

When I first contacted the XXXX XXXX / Goldman Sachs support team on XX/XX/XXXX, they stated that they understood the error in their math, and that a dispute would be opened and the refund would be properly applied shortly. I called back the next day ( XX/XX/XXXX ) to check the progress on the dispute, and was told that since my payment date was approaching, that I should pay the correct amount ( {$380.00} ) and that if it took much longer to resolve the dispute, that they would refund me for any interest payments that I incurred from not paying the higher/incorrect statement amount. 

On Wednesday, XX/XX/XXXX, I received an email from Goldman Sachs saying that the {$490.00} statement balance was correct, because that is " the total of payments and purchase return credits between XX/XX/2019 and XX/XX/2019 '', without any explanation for the {$110.00} difference between the two statements, and without any reasoning for how they reached the {$490.00} amount for XXXX. Iterating through each individual purchase for XXXX and adding each sequentially amounts to {$380.00}, with a return for {$110.00}, and the only explanation for seeing {$490.00} is that they incorrectly applied the return amount as a positive charge to the credit card when generating the final statement. 

I contacted Goldman Sachs a third time on XX/XX/XXXX, and was told that the email explained everything that they found during their investigation, without any explanation as to where the {$110.00} refund went, and that there was no further information. A few moments later, they then stated that they did see the {$110.00} refund, and to monitor my account for the next few days to see if the problem is resolved then. Since my statement is due tomorrow, I don't have time to wait a few days to see if there is any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Original Creditor : XXXX XXXX Acct # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX, Original Creditor : XXXX  # XXXX, Original Creditor : XXXX # XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX Original Creditor : XXXX At The XXXX # XXXX Original Creditor : XXXX At XXXX XXXX Paces XXXX XXXX Original Creditor : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2018-02-10
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 have requested this to be verified several times with no resolution, I have child support that is not only being reported incorrectly, it's actually showing up twice on my report with incorrect amounts, incorrect dates, and I was never notified it would be put on my report. I have attached a screenshot of my credit report showing multiple reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I made a payment of my full balance with Capital One, after submitting the payment via the on-line system, I then closed my account through my on-line log in. 

The payment of {$1600.00} left my XXXX account the next day, yet a week later Capital One still shows a balance of {$1600.00}. I was told since I closed my account after submitting payment, I caused an error in their system. The representative stated they could clearly see the {$1600.00} payment being made in the transaction history, yet it wasn't showing in the payment history. Basically Capital One lost my ACH payment and did not credit it to my account. I feel like they stole money from me and am not sure what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: NC
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:
Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
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:
I have a loan with CARRINGTON MORTGAGE SE XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and CARRINGTON MORTGAGE SE with no successful resolution. XXXX, XXXX, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days 60 days and 90 days late multiple times.

Company response to consumer: Closed with explanation