BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hello, I have recently attempted to contact Equifax, XXXX, and XXXX. I have not received any responses from these companies and I am under the impression that they have at least 30 days to respond to my complaints. I have accounts reporting incorrectly and unverified and I am not sure why no one has ever reached out to me in regards to my investigation requests. 

Equifax : On XX/XX/XXXX I sent a letter to Equifax asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so on XX/XX/XXXX, I sent another letter stating that they never responded to my request. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX. Again on XX/XX/XXXX, I sent another letter via certified mail, receipt number : XXXX XXXX XXXX XXXX XXXX. This was received on XX/XX/XXXX. Out of all the letters I sent to XXXX, I never received any responses back from them. 

XXXX  : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Experian Information Solutions Inc.
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:
This issue is the same for all Americans. The 3 credit reporting service track high utilizations of consumer credit cards. Well all members users of these credit reporting service are having the credit scores drop by 30 points for using and paying credit on a timely basis. For example I order a part for my car back in XXXX the part was {$250.00} plus tax. XXXX would allow me to use a debit card so I had to use my credit card from XXXX XXXX. That same week I paid the balance in full for the part I ordered to my credit card balance. But the reporting of XXXX, XXXX  and Experian is still reporting that I have a balance of {$200.00} dollars on my XXXX XXXX credit card and it has been paid in full since 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 non-monetary relief
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$530.00} on the XXXX  XXXX  partial account number ****2426. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and should not be reporting at all. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2017-12-05
Company: ALLY FINANCIAL INC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
In XXXX I brought a car that was financed through Ally Financial. Over the 5 year period I have paid the payments in XXXX XXXX I paid XXXX to pay the car off like Ally said I owed. At the end of XXXX XXXX, my wife and I received the title and we kept the car continued to drivXXXX until on XXXX XXXX, XXXX, Ally had XXXX come and steal our car saying that we owed an additional {$3000.00} for fees, late payments and etc. I immediately called the police and insurance company cause I have a title that shows my vehicle free and clear. In XXXX they told me I owed XXXX on the car. In XXXX XXXX, I paid XXXX, XXXX I paid XXXX and they sent me documents with 3 different amounts on what was still owe I questioned them. In XXXX I paid XXXX and in XXXX after I contacted them to see how much was left they said XXXX. I paid that and I received my title in XXXX XXXX. Now I think it is very unfair that I paid all this money to have my car stolen from and now they are saying they are selling it again to someone else on XXXX XXXX if I do n't give them additional money. Every time you speak to someone at ALLY you get a different story. It does n't make sense 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 2021-01-20
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a REFI with Amerisave back in XX/XX/XXXX. I have answered all the questions, provided all the information ask for, filled out all the forms, signed and sent them XXXX dollars of ernest money. The process just keeps dragging on with new excuses and asking for repeated forms to be signed. It is now XX/XX/XXXX and I have tried several times to get answers from them about updates on my progress and have gotten no response with information. Can you please help? Thanks

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Paypal Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I discovered late night on XX/XX/XXXX the following notice within my PayPal account. 

" Credit servicing on PayPal.com will be unavailable from XX/XX/XXXX at XXXX XXXX ET to XX/XX/XXXX at XXXX XXXX ET due to site maintenance. We apologize for the inconvenience. '' Today XX/XX/XXXX I received a reply from PayPal Credit informing me that nothing is wrong with my PayPal account but at this time some system will not allow transactions through my PayPal personal credit account. Furthermore within the letter it goes on to state the following : " PayPal does reserve the right, as indicated in our User Agreement, to limit the funding source for any individual payment. This is listed under section 3.4 of our Payments Policy. We realize that this can be a frustrating experience, but the security and integrity of our system is important to our company and to our customers. '' However, PayPal 's statements and its systems actions has no integrity since as a whole I can not use my credit as needed nor for any purchases where applicable. It has been restricted and I have been forced to use other funding options at checkout. 

Again nothing is wrong with my PayPal credit account as of today and my available credit covers the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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 2021-02-13
Company: ERC
State: NJ
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:
I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was able to receive a loan from One Main Financial. The loan was for {$6000.00} for an interest rate of 35.99 %. They tacked on the interest rate and the loan was over {$11000.00}. I asked the agent why the rate was so high. She said it is a yearly rate. I then asked if I paid triple the amount owed would the interest still be that high. She replied no. Well that is a lie bc I did not realize it was a rule of XXXX loan, which is a total rip off. Companies should not be able to do this to borrowers. Its an awful loan and no one should sign off on this. I would have never done so had I fully digested what it was I was indeed signing off on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: EQUIFAX, INC.
State: MI
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 had an account with the XXXX XXXX XXXX ( XXXX XXXX XXXX ) that was sold to a creditor XXXX XXXX XXXX for delinquency. On XX/XX/2020 I paid the debt in full to XXXX XXXX XXXX with the guarantee in writing from them that on XX/XX/2020 the account would be deleted from all three of my credit reports. This account has not been deleted and is still showing delinquent on my credit report. I filed a complaint with the XXXX XXXX XXXX in which XXXX XXXX   stated that they requested that this account be deleted from my credit report. This account has not been deleted and is damaging my credit. I submitted multiple disputed to all three bureaus and every time they reply back after an investigation saying that the debt/account will remain even after I provide then with the documents from the company stating that the debt is paid and it should be removed, along with the complaint letter from the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2020 I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. I never received a response so on XX/XX/2020 I mailed another letter. it has been 5 months with no response and these inaccurate accounts are still showing on my credit report!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: CITIBANK, N.A.
State: AL
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:
My uncle who was in his XXXX & passed in XX/XX/2020, had made me a joint user on his citi XXXX XXXX MasterCard. I lived with him & took care of all of his finances. I paid his final bill for his full balance, sent in a certified original death certificate, & a handwritten note asking for the account to be closed, as I was his executor. That was in XXXX of XXXX. I hadnt heard anything by the next month, so i used the online chat function. In the chat, I asked if all had been received & the customer service agent said it was in process. Also In XXXX of XXXX, I received a late notice by email stating that the account was past due for the month. I made a phone call, there was miscommunication as the service rep couldnt understand me, so he got mad, blacklisted my phone number & blocked me from all account functions. I attempted to send a second payment out of fear with another letter. I kept trying to call, my number was blacklisted by Citi, & I was sent to these people overseas who played games & tried to make the call drop. I was in shock. I tried to make a third and final payment by mail as this was my only option, having been electronically blocked. Finally, the company processed all 3 payments, closed the account, & sent a statement with a credit of over {$130.00}. I attempted again to call Citi to get the money back, but same thing, blacklisted my number, & they played games. This experience was horrible, humiliating, & came at a time where I lost the last of my family. Nobody has ever called from Citi to resolve this matter. I cant believe they are allowed to get away with this. My guess is if its happened to me, its happened to thousands of others.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Duncan Solutions, lnc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter for debt collection from XXXX XXXX XXXX XXXX in XX/XX/XXXX for a parking ticket on a car that I do not own and a ticket that is not mine. In the letter they threatened to boot/tow my car if I do not pay them. I sent a letter to XXXX XXXX XXXX via certified mail on XX/XX/XXXX and was verified they received on XX/XX/XXXX, requesting for VALIDATION of debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I also asked for the name and address for the bonding agent of XXXX XXXX XXXX XXXX. My request was ignored and XXXX XXXX XXXX  XXXX continued their collection activity, sending me another letter, dated XX/XX/XXXX. Again requesting payment of ( unvalidated ) debt, threatening of action against my driver 's  license, and booting/towing of my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Origination Charges on my Loan Estimate continue to change as we get closer to a closing date. I agreed on the initial purchase contract that our interest rate would be locked at XXXX XXXX and XXXX XXXX in discount points. Now as we get closer to closing date, it seems like they continue to increase my origination charges without advising me in any way. This is with Rocket Mortgage and here is the most recent email I sent them over : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Can I get confirmation on the final loan estimate. 

XX/XX/2023 : Origination charges POINTS were XXXX XXXX {$8200.00} XX/XX/2023 : Origination charges POINTS were XXXX XXXX {$9200.00} XX/XX/2023 : Origination charges POINTS were XXXX XXXX XXXX Why are my origination charges increasing as we get closer to closing date? I agreed to the first loan estimate and we locked XXXX XXXX and never agreed to pay any additional points on this loan or was advised that the cost to underwrite this loan will continue to go up. It's very offputting that Section A ( origination charges ) continues to change as we near the closing date and an additional XXXX is being requested 5 days before closing. 

This also appears to violate compliance and an issue to be reported to the Consumer Financial Protection Bureau. Please advise with the correct Loan Estimate document, so I can sign and we can move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX According to the Fair Credit Reporting Act, 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 the 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. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX   UNKNOWN CHARGE OFF ACCOUNT * Please remove all non-account holding inquiries over 30 days old. 
IN ADDITION THIS COMPANY IS DOUBLE JEOPARDY-ING ME AND BOUNCING THE ACCOUNT AROUND ALL 3 BUREAUS TO BE EVEN MORE UNSCRUPULOUS Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: OH
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 requested a letter from the U.S. Bankruptcy Court XXXX  District of Ohio in reference to me filing for it in XXXX. I got a letter back from the Clerk stating that they do NOT report to ANY credit bureaus yet my Bankruptcy ended up on all three of my credit reports and has been for over 8 years. I got a message back from one of the credit bureaus that suggested that XXXX put that information on them. I sent XXXX a letter requesting 'demanding '' that they REMOVE said info from their data base and they did HOWEVER Experian, XXXX and XXXX REFUSE to remove said information even when I mailed them the same info I sent to XXXX XXXX 

XXXX had no business reporting my bankruptcy to the credit bureaus, they are NOT a credit reporting agency they SAID they are a consumer reporting agency which does not LEGALLY qualify them to report any financial information to any creditors or credit agencies.

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 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 requested documentation from XXXX XXXX XXXX ( XXXX XXXX XXXX  ) concerning a debt you have listed on my credit report with you agency. I have request multiple times through the XXXX XXXX XXXX XXXX that XXXX XXXX XXXX refuses to provide legal documents according to the FCRA and FDCPA law and regulations. This included being denied copies of any signed contracts, accounting and statements to prove the debt they are reporting- Without proper documentation this information is being reported to my credit report illegally and I ask that it be removed today

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 2019-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I realized I've been charged {$12.00} and {$35.00} per transaction for using overdraft protection to transfer money from my savings to checking account. I was aware that I was paying a monthly {$12.00} fee for my checking account with free overdraft protection. I have been with Bank of America for more than a decade -- and I'm certain when I signed up for the account -- I didn't agree to pay transaction fees to use overdraft protection.

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 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX pulled a credit report on me. This apparently happened during a separate incident involving a bank and another mobile provider. XXXX refuses to disclose to me the circumstances, timing, or purpose of the credit report.

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 2020-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX from XXXX XXXX was very rude. I have no idea who these people are or how they got my number. Called the number and tried to find out who was calling and was spoken to in a fashion that is and will not be tolerated. I am a veteran and I will not have my place of employment investigated nor my home address for fear of safety. I will protect myself and home at all cost. That type of behavior is uncalled for.

Company response to consumer: Closed with explanation