BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
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: Information belongs to someone else

Complaint:
I have asked that these accounts and inquiries be removed as they are fraudulent and part of an identity theft investigation. The consumer reporting agencies have refused to do so in the last 60 days. I have also filled out an affidavit with the FTC. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 2023-05-31
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts 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 XXXXXXXX, 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 explanation
Consumer complaint received 2021-06-02
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Referred here by FTC. XXXX XXXX are holding over {$150.00} worth of my funds and won't return them. My bank will not reverse the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have multple Incorrect address on my credit report that I need deleted from my credit report immediately as these addresses do not belong to me. 

Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, My CORRECT address is XXXX XXXX XXXX, XXXX IL XXXX. I ask that you please correct this information. 

Also the following inquiries are incorrect and should be deleted from my reports immediately : XXXX XXXX  XXXX  - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Americor Funding, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
I received a pre approved offer in the mail for a debt consolidation LOAN. 

The representative repeatedly kept referring to this as a loan while soliciting a monthly payment that would be set aside to settle these accounts. 

They were using extremely deceptive and false claims about my current credit score and credit profile. I am concerned that other consumers less savvy regarding these issues could be easily duped by their process causing severe damage to their credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: IL
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, 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 XXXXXXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Summary : Paypal rescinded an offer to refund me for the cost of a bag that did not match its online description. I mailed the bag ( at my own cost ) to XXXX after the initial determination that I would receive a refund, but after I mailed it I received notice from PayPal that I would no longer receive that refund. They gave no explanation, and they denied my later online requests to reconsider.

The bag is now back in the hands of the seller.

The bag in questions lacked the two key features highlighted in the description, and initially PayPal accepted my request to return the bag and receive the refund. Purchase price = {$45.00}.

I am now out of a bag and the return mailing costs. 

The purchase was made onXX/XX/XXXX, and there have been a string of emails with the seller and PayPal since then. But PayPal has closed the case, and no human seems willing to speak with me. Its emails are all automated and I imagine no one has given my case any thought.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 Contacted the company to get this inaccurate information cleared up but they have failed to do so. They have not provided any information about this account belonging to me such as the original promissory note or any form of indebtedness. 


I have already contacted the company 3 times and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
Lonestar Title Loans forged a signature on a second loan to void out my sell of the vehicle. They only said they would buyout his loan at XXXX  XXXX XXXX not put the car back in my name. I thought it was strange they had me signing paperwork. Then they continued to harass me after telling them the car was totaled and sending proof, and talking to regional dmv office receiving proof of forgery. To this day they are texting and leaving voice-mails with personal and threatening information not knowing who's phone they are actually calling. This all occurred between XX/XX/2019 to present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: DE
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:
In XXXX of 2020 XXXX XXXX XXXX XXXX removed a tradeline from my credit reports due to fraud. I submitted police reports ftc report etc. and it was proven to be fraud. A month later they replaced the trade but changed the amount. I reached out to them several times even filing a complaint with the XXXX XXXX XXXX This company is going behind peoples back and stealing their info to boost sales. They are violating my rights by reporting false and inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My application XXXX application # XXXX XXXX to Bank of America to renew my Home Equity Line of Credit was denied. on XX/XX/XXXX. The reason stated was " Debt to Income ratio was too high. Here 's the information I provided to the bank. 
!. Credit Scores My score is XXXX my wife 's is XXXX 2. Estimated value of my house {$840000.00} 3.Loan balance of existing loan wit BofA {$170000.00} 4. Balance of my IRA accounts on XX/XX/XXXX ( date I submitted my application XXXX {$640000.00}. 
5 Our Social security income was {$26000.00} 6. 2 years of tax returns and my IRA distributions for XXXX I calculated my Debt to Income ratio as follows : Monthly Debt Mortgage XXXX Taxes XXXX Credit Card monthly minimum XXXX ( We always pay the complete credit balance to avoid high interest ) Home owners insurance XXXX Flood Insurance XXXX Car lease XXXX Car insurance XXXX Total monthly debt $ XXXX Monthly Income I use XXXX XXXX to calculate my taxes. Looking at my tax history from XXXX thru XXXX XXXX estimated XXXX the income averaged {$80000.00} per year or {$6600.00} per month. 
using those figures for monthly debt and income My DTI is XXXX = 30.6 % My research indicates a good DTI ratio is 36 % and 45 % is maximum. 

I can't understand based on this information how they can deny me for a high DTI ratio.This in spite of the fact that I already have a HELOC with Bof A and was just trying to lower the interest rate ( no increase in loan amount ). 
Perhaps they don't like to lend money to XXXX year olds. 
Thank you XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ 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 2023-04-20
Company: BARCLAYS BANK DELAWARE
State: NJ
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: Overcharged for something you did purchase with the card

Complaint:
I have a old navy visa card with XXXX XXXX. Last XXXX  Baclays took over and issued master card. I charged my card with XXXX XXXX for water filter. First charge {$6500.00} and another charge {$2400.00} total {$8900.00} from XXXX XXXX XXXX ( XXXX XXXX ) XXXX or XXXX XXXX  XXXX sent email and phone verified with credit card company that I returned everything to XXXX XXXX  XXXX and I do not owe anything to XXXXXXXX XXXX XXXXXXXX. XXXX XXXX issued credit to my account before transfer. Barclays charged my card {$8900.00}, plus interest and late fees. They refuse to give credit to my account. They closed my card and informed credit report agency. My score is very low regarding the complaint. My other credit card company lowered my balance because of that. I receive statements from barclays every month with late fees for non payment ( {$8900.00} ).

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 2022-11-26
Company: Experian Information Solutions Inc.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal XXXX XXXX XXXX {$2600.00} XXXX XXXX {$3900.00}

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 2023-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit 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:
My ordeal began with the {$5400.00} purchase of a defective XXXX XXXX  online on XX/XX/2023, which XXXX subsequently refused to replace. In seeking a resolution, I contacted Capital One to assist with the replacement and halt the payment until the issue was resolved. Despite multiple follow-ups with both XXXX and Capital One, including direct communication with XXXX XXXX XXXX, XXXX XXXX, the replacement has not been provided by XXXX. Instead, Capital One started to charge me a late payment of the defective computer. 

I believe that Capital One 's failure to protect my interests in this matter constitutes a serious breach of their responsibility, particularly concerning fraud protection. Rather than standing by their customer, their actions appear to support the fraudulent conduct by failing to intervene appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX and XXXX XXXX reported information on my credit report for XXXX XXXX on XX/XX/XXXX and for loanme on XX/XX/XXXX without following the debt related information ( 12 CFR 1006.34 ( c ) ( 2 ) ( I ) - ( v ) ; 34 ( c ) ( 2 ) ( ic ) and itemization related information ( 12 CFR 1006.34 ( c ) ( 2 ) ( vi ) - ( viii ) and consumer response information ( 12 CFR 1006.34 ( c ) ( 4 ). I never received anything from the debt collector, however the debt appeared on my credit report without my knowledge. No debt validation letter or no debt verification letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Experian Information Solutions Inc.
State: VA
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:
These accounts listed on this report is fraud and I am a victim of 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 2020-07-17
Company: HOMESTAR FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Here 's a copy of what was sent to Homestar Financial : To whom it may concern. 
I am deeply troubled by the lack of communication and unacceptable service received since refinancing my home. 

For some unknown reason, Homestar did not process the approved payment for the XXXX premium. Subsequently, I received an unfortunate letter re Foreclosures and the need to make immediate payment for two months premiums. 

The document received did not acknowledge errors made on behalf of Homestar, yet fully placed the blame on the consumer. 

As a result of these oversights by Homestar, my credit reports, as well as my wife 's, have been inaccurately reflected to show missing payments for XXXX and XX/XX/2020. 

Here 's the email I sent to Homestar asking for an explanation on XX/XX/2020 - to which I've had no response as of this message. Please review the details provided. 

To summarize, on XX/XX/2020 Homestar confirmed autopayments would be made effective XX/XX/XXXX, XXXX. 

Homestar has quite a few issues to correct, especially regarding the inaccurate reporting on the credit reports for both myself, as well as my wife. 

I look forward to your immediate response, to include a plan of action that addresses each issue Sincerely, NAME The XXXX email and attachment is listed below : CC : XXXX XXXX XXXX Consumer Financial Protection Bureau ACCT Concerns - LOAN # XXXX Mon, XX/XX/2020 at XXXX XXXX To : XXXX URGENT MESSAGE Please see the information on your website regarding my monthly payment. My monthly payments are $ XXXX.I enrolled in AutoPay XX/XX/2020. It was to become effective XX/XX/2020, as stated on the confirmationletter I received ( attached for your reference ). 
Why in the world am I seeing a payment due date of XX/XX/2020? 

ot only was the XXXX payment made, I did everything requested to have the monthly payment deductions begin XX/XX/2020 - per confirmation from Homestar. 
This is of great concern to me, and I appreciate a thoroughreview to better understand what's happened - or what I've done wrong. 
Sincerely, NAME

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I looked on my credit and saw this I have disputed this many times and asked them to prove this debt I have never had an account with XXXX or never have even opened an account with XXXX I asked them to remove this from my credit and they still have not done so nor have they proved this debt belongs to me DELETE THIS FROM MY CREDIT OR IM GOING TO GET A LAWYER AND SUE THEM FOR THIS NOT ONLY FOR PUTTING THIS ON MY CREDIT BUT FOR ALL THE TIME AND THAT I HAVE PUT INTO ITALOMG WITH PAIN AND SUFFERING AND HIGHER INTREST RATES DUE TO THIS ON MY CREDIT PLEASE DELETE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted PHH Mortgage on XX/XX/2020 inquiring on how to transfer my loan and deed to my sister in law ( Loan Assumption ). 
the representative with ID # XXXX ( XXXX ) told me that i will received a package in 7 days. We will need to complete and send it back to PHH Mortgage. 

On XX/XX/2020 called again and spoke to XXXX and he told me they will expedite the package because was not send yet. 

XX/XX/2020 still did not receive the loan assumption package and called again. i requested to speak to a manager and i was transfer to XXXX, ID # XXXX. He told me he will call me back once the package was mail. on XX/XX/2020 he called to let me know i should received my package soon because it was mailed out on XX/XX/2020. 

XX/XX/2020, still did not received my loan assumption package, called back and representative with ID # XXXX after i explained my frustruation, he told me that the package will me sent by E-mail and Fax in the next 24 to 48 hours, he copy all my information ( E-mail address and Fax # ) and placed me on hold and then hang up the phone on me. 
a few minutes late he called me back and promissed to fax and e-mail the documents. 

XX/XX/2020, did not received an E-mail, fax or package by mail. 
called again and spoke to representative with ID # XXXX, then he proceed to fax me a letter with instructions on how to request a loan assumption .... again no application was sent or anything else. 

I am frustrated by now and still need to transfer my home to my sister in law. 

Best regards, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: AmeriHome Mortgage Company, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage closed on XX/XX/XXXX and subsequently sold to Amerihome. Because it was a newly built home, taxes were not yet determined so the initial escrow payments were higher than they should have been. I understood this and accepted the higher escrow payments, knowing I would be getting any overpayments back. 

In XXXX XXXX, an escrow analysis was completed and a refund over {$3000.00} was received. 

On XX/XX/XXXX, my escrow was again over funded by over {$4000.00} so I contacted Amerihome via email to request an analysis as per their instructions. At that point, all bills for the year had been received so all payments were known. Amerihome responded, telling me that I had to hand write a letter requesting an escrow analysis and provide all documentation. They had the documentation in their system and it made no sense as to why a hand written letter was required, other than to give me the run around. When I explained that under the law, they were required to perform and analysis, the response was that it is their policy to require a hand written letter before performing an escrow analysis. 

I am asking for assistance for the quick return of my excess escrow balance and an escrow analysis to be performed in order to align my payments to my actual bills. 

My mortgage payments have always been on time and my account is up to date. 

Thank you!

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