BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-19
Company: BANKUNITED, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I XXXX XXXX I got a mortgage with PMI from BankUnited, XXXX. At that time I received the Federal Truth-in-lending disclosure and the PMI was set to {$370.00} for the XXXX XXXX payments and to {$67.00} for the next XXXX payments, and no PMI thereafter. 
In XXXX XXXX the PMI increased to {$410.00}. BankUnited did n't send any notification. In XXXX XXXX I noticed a very small decrease XXXX to {$410.00} XXXX, again without receiving any notification. 
Every year, in XXXX, after receiving the escrow account statement, I inquired about these PMI changes calling the bank. I spoke with several representatives asking about the PMI change and the reason for this change, but it seemed they did n't have the knowledge or responsibility to provide an answer. Every time after these phone calls, I was told to expect to be contacted by someone else from another department, but only thing that happened was to receive courtesy letters with the conditions to drop the PMI, totally not related with what I asked about. 
This year I insisted more and I got to talk to a representative that explained to me there 's another company that charge this PMI and she will contact this company asking for the answers for me. I called back few times and I was told that the PMI company did n't reply. 
It 's been three months since I 've started this endeavor this year and still no explanation. I called back XXXX about XXXX weeks ago and the representative told me she would follow-up with them ... again. I still have n't received any call back. 
I had XXXX loan modifications during these years, in XXXX and XXXX, but the new documents did n't contain anything regarding the PMI and there was no new document added that mentioned the change in PMI. Moreover, the dates when the PMI changed were not related to the dates the loan modifications occurred. I was told also during the discussions I had with the bank 's representative that the PMI was n't affected by the new loan conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: FRIC HOLDING CORPORATION
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX bought a 10 year old judgement from First Resolution. Never informed of anything and had never heard of XXXX before they stole all the money out of my bank account on XXXX/XXXX/2016. Called them, they informed me that I was returning my own mail. That 's a lie.I understand that XXXX is a form of a boiler room for layers, I get that. They have more than doubled the debt, and I have no clue where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I apply for a Loan with no interest for XXXX month. Very small amount. Everything was approve and sing for. XXXX or XXXX weeks later I get the regular payments plus an interest of 29.9 %. I call the bank and the only they can say is that they do not have any promotions and ca n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-08-31
Company: EQUIFAX, INC.
State: CA
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:
The Following account appears on my Equifax credit report, XXXX XXXX XXXX, with original creditor of XXXX XXXX XXXX XXXX. The account number is listed as # # # # # XXXX. It is listed as medical or health care. The state of California has a statue of limitations of four years for this type of debt. 
Californias statute of limitations on debt is 4 years, per the states Code of Civil Procedure 337. A statute of limitations is the amount of time you have to take legal action. In the case of debt, it refers to how long a creditor has before it can ask a court to force you to pay debt. If you can prove a debt has passed its statute of limitations, you are not responsible for paying it. For this reason I ask that Equifax remove this collection account from my report. This accounts date of first delinquency was XXXX, XXXX, XXXX and it was assigned to collections on XX/XX/XXXX of XXXX. Therefore it is past the four years no matter how you do the math.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
Capital One is still saying that I have a balance on this account and has still been flagging my account as " Late '' since it was settled by the courts on XX/XX/XXXX. I don't have the full account number, but my XXXX credit report lists the first 12 digits as XXXX. 

Capital One garnished my wages until the account was satisfied on XX/XX/XXXX. The Superior Court of the District of Columbia case number for this matter is XX/XX/XXXX XXXX XXXX. A copy of the court document is attached. 

Also, I've attached the results from my recent XXXX dispute and a printout of what is currently showing on my XXXX report via XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, 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:
Credit Reporting Agencies have violated my Consumer Rights and have failed to report accurate, complete, and verifiable information. 

I have contacted these agencies and have documented proof of inaccuracies that they have claim to be " verified '' and " accurate '' Attached is the current status of my complaint by which you will see that I have proven with documentations that the information is NOT being reported 100 % accurate. These accounts must be deleted and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Finance of America Holdings LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for the XXXX program to help assist me with my loan payments on my mortgage and I applied on XX/XX/2022. I received notification from the XXXX program that they have been waiting on my mortgage lender to enroll with their program so that they may receive the assistance for me. I am in a deferment period that is about to expire. I have left 5 different messages and complaints and I have emailed in a complaint. I have gotten no where with Finance of America Mortgage Company on this issue. The XXXX program still says they are waiting on my lender and they are not cooperating

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: EQUIFAX, 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 seen an auto loan that reappeared with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX from XXXX on my Equifax credit report that was disputed and removed back in XXXX. The debt is reporting as negative with lates and this account does not belong to me. This debt needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
On date XX/XX/2019 Capital One Auto Finance pulled my credit without my authorization from XXXX. Which is a violations under 15 usc 1681. Which clearly states that a person shall not use or obtain a consumer report for any purpose unless one the customer report is obtained for a purpose for which the consumer report is authorized to be furnished or two purpose certified in accordance with section 1681e title by prospective user of the report through a general specific certification. I XXXX XXXX did not initiate any type of transaction with Capital One Auto Finance Further more under the fdcra any person who knowingly and willfully obtained information on a consumer ( myself the consumer ) from a consumer porting agency under false pretenses shall be fined under title 18,. Im willing to settle the matter without why admitted liability for {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: BBVA FINANCIAL CORPORATION
State: TX
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 recently opened a checking account with BBVA Compass. Originally I opted in for overdraft protection until I realized that the fees were being assessed though an overdraft was not processed. I spoke with a supervisor on XX/XX/XXXX and as he credited me a credit for over draft protection and I agreed to opt out of overdraft protection. On XX/XX/, I transferred {$35.00} to my checking account to cover a transaction that I was about to make. My transaction went through. I was charged a XXXX fee. When the funds were in my account. My account is a XXXX because I have been charged {$38.00} 3 times. 1 for my purchase on XX/XX/ and 2 additional of for XXXX and XXXX. If I would not have been charged {$110.00} ( 3 XXXXX ), I would have XXXX in my account. In addition, on XX/XX/XXXX I agreed to opt out of overdraft protection due to the fees. The representative advised that computer automatically assess the fees to the account. BBVA Compass need to fix their system. This is an unfair and deceptive act and practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: CA
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:
I have submitted multiple disputes in regards to a dismissed XXXX XXXX XXXX file date of XX/XX/XXXX to XXXX, equifax, and XXXX  about the validity of report on my credit report. these disputes have been made over the course of the last 4 months starting on XX/XX/XXXX. Each time, the bureaus claim to have verified the information with the U.S. XXXX court! I have contacted the said court and have been told explicitly that they do not and never will share or verify information with any credit bureau or anyone for that matter. Furthermore, I have asked the bureaus for written, signed verification from the ORIGINAL reporting agency bearing my full name, social security number and date of birth confirming this Bankruptcy belongs to me. They have not done so! This is a clear violation of the FCRA! The information they are reporting is preventing me from obtaining housing. Also, in the eyes of the law, any case, civil or otherwise that is dismissed no longer exists. Therefore, they have no right to maintain information that the government has deemed nonexistent! Pursuant to 1681 ( a ) ( 5 ) of the FCRA, this must be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The agencies in this dispute have NOT provided Credit Reports as requested and required by law. They have numerous errors consistently. The score is incorrect and shoots high and low over no changes and it hurting my credit worthiness. 

They are still reporting me as high balance having as an authorized user when I have been removed from the debt since the credit holder filed bankruptcy- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance on my debt is incorrect and outrageous due to incorrect reporting XXXX is in my name and I have never had an account with them ever They are reporting more than one address They have held my reports and not update accurate

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 2022-08-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX has several accounts with my name and information on it. Fraud has occurred. I closed out stolen cards and XXXX account linked. I tried calling and they act like they cant help transferring me over XXXX times to different t departments.

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 2020-03-22
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My Bank of America account had fraudulent withdrawals made last year in XXXX, I have submitted multiple complaints, provided police reports, faxed multiple documents such as I.D . that was all requested by the BOA claims department, even received photos of the the person making fraudulent transactions, however, upon calling I am never told a status update on my claim. Thinking all the evidence provided and that the bank has pictures of the fraudulent user, I would think the process would be resolved rather sooner than later. It's been almost a year of me calling almost every month or two and I keep getting the run around whether I escalate, add additional complaints, speak to a supervisor or request documentation regarding the status or reasoning for denying my case. I am not being heard and just keep being told to wait or call back. I would greatly appreciate help in resolving this issue as I have been very professional and patient and now I am becoming very hopeless and tired of calling and hearing the same thing over and over. 

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 monetary relief
Consumer complaint received 2022-03-28
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 Convergent. 
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  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

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 2022-03-28
Company: Experian Information Solutions Inc.
State: WI
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:
Experian claims that the bankruptcy they are reporting has been verified by the courts and XXXX XXXX. However, I've proven that neither XXXX nor the Courthouse interact with the credit bureaus in any form. Neither the Courthouse nor XXXX contact to report bankruptcies nor do they verify bankruptcies. In fact, XXXX doesn't even show anyone 's full social security number. Furthermore, XXXX XXXX has stated they do not have a bankruptcy listed on my profile or my unverifed profile. 

This means that Experian is fraudulently claiming a method of verification that has been proving to be invalid. Experian is blatantly disregarding FCRA guidelines and violating FCRA as well as my consumer rights.

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 2016-03-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Over six months ago a fraudulent charge was made on macy 's XXXX card. It was for {$75.00} at XXXX # XXXX in XXXX PA on XXXX XXXX, 2015 according to the statement I was sent in XXXX of 2015. I called immediately upon receiving the statement as I do not use the card. The card has never left my possession or even my home in over a year and I had n't used it. I filled out the fraud affidavit and spoke to multiple agents regarding the fraud and they sent me XXXX letter confirming my " inquiry '' on XXXX XXXX 2015. They closed the card and sent me a new card and the balanced transferred the {$75.00} disputed charge on to the new card along with a late fee and interest charges. I called again and they stated they were working on it and that it could take time. Then they sent another bill each month since XXXX adding late fees to the disputed amount and interest charges. Each month I called and they are working on it and told me not to worry about the bills. They lowered my credit limit and the most recent bill is for XXXX. I have called multiple times and talked to people in the fraud department and now when I call they only will put me through to their collections department as they state my account it past due. I never made the original charge and I do not owe this money. I told them I no longer wanted to due business with them because I have never been treated so bad by anyone and they stated that they could not close my account because I owed money. I do not owe any money and the fraudulent charge should have been cleared months ago. I am also worried that they are reporting this to my credit bureau and they could not answer me when I asked that question. I want to resolve this without legal action so I do n't have to incur even more money due to the fraud.

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 2022-03-28
Company: State Collection Service, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is claimed to be owed XXXX XXXX, XXXX XXXX XXXX, according to XXXX XXXX for which I am an employee of, the debt as been satisfied. When I contacted the debt collector I was told that I owed {$6.00}, when I tried o report to them that the debt was completely satisfied they ignored me and has continued to ssend notices and make phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please delete this account from my report on all XXXX credit bureaus. This account has been paid since XXXX 2016 and shows inaccurate information reported there after in my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, I received a letter some years ago stating that I was part of a discrimination lawsuit against ally financial .They charged me extreme amounts of interest it was ridiculous, then I had gap insurance on the car and they would not honor the GAP agreement.They are very nasty on the phone and have very poor customer service. Very frustrating dealing with this company, please advise of any info you require from me. My account number is XXXX, please help, 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