BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: BROKER SOLUTIONS, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is now the third time I have had to spend countless hours with the escrow department to address egregious increase in my monthly mortgage back in XXXX and in XXXX my escrow analysis had to be recalculated which worked in my favor of a different of {$1000.00} per month. 

Now in XXXX they are including XXXX tax payment installments due to XXXX XXXX sending their tax bill late so of course there will be a shortage in my account when they are including an extra payment for taxes on this analysis. There should be no reason XX/XX/XXXX should be included on this analysis when they haven't paid out XXXX of XXXX yet. The current mortgage payment is {$3900.00} and they are now saying new mortgage payment is {$4900.00} again just seem egregious and not sustainable to raise someones mortgage by {$1000.00} per month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: RockLoans Holdings LLC
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: Problem with personal statement of dispute

Complaint:
I was apart of an identity fraud and the woman who used my information was arrested and I was contacted by the XXXX  in XXXX XXXX and I have proof of this. I contacted and provided back up information to XXXX XXXX who was XXXX of about XXXX credit companies where she took out loans without my permission. XXXX XXXX has done a XXXX for the loan of {$29000.00} which they sent to IRS. I have asked them if they would rescind the amount reported to IRS as it is increasing my income and I have to pay taxes on it. They have refused to assist me. I am in a dilemna as I can not refinance my home as my credit scores are low and I show owing debt that I do not have. I have paid a credit company {$2000.00} to fix my problem and for past XXXX years they are not responding to my calls or email.. I am now on XXXX and if I had been able to refinance my home loan in 2021 I would be able to pay my mortgage at the lower rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX my credit report was pulled from 9 financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 

As well as XXXX XXXX XXXX XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.

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 2023-06-27
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Opened a XXXX credit card back in XXXX made purchases and payments on it. In XX/XX/XXXX I started getting correspondence addressed to the estate of XXXX XXXX saying that I was deceased. My friends and family started reciving phone calls asking who was in charge of my estate to which they responded that I was not deceased I had told them the samething when they contacted me. They closed my account anyway. This is not fair to me as I'm not deceased I made payments on time. Citi bank is also condmfusing this with a sears Mastercard that I had back in XXXX that was a victim of fraud which is not the card im writing about. Im writing about XXXX Master card. They say they can not reopen the account that is not fair to me. I explained to them that I was alive and well. Iam asking that at least a new card be issued to me cause of all the inconvenience.

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 2023-06-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying without success to get fraudulent information removed from my credit reports at the XXXX major agencies. This is a long standing problem and I have lost faith that it will ever be resolved but it is over XXXX XXXX since the last activity and the information will drop off soon Wells Fargo closed and wrote off the account in XXXX but it listing a payment in XXXX. This will prolong the time the fraudulent information remains on my reports. To my knowledge there was never a payment made by me in XXXX. Please help me to get this removed so the fraudulent account will drop off my credit next year I have been damaged enough. Also I have not missed any payment on any accounts in my name since I returned to the XXXX over XXXX years ago please make sure my credit reports reflect my actual payment history. 
Thank you. 
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 2023-06-28
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX I was transfering money out of my checking to my savings when i accidently choose the wrong account that no longer opened. I contacted Wells Fargo whom told me that they was not able to cancel the transfer to the bank account that it was been transferred to as she stated " she is not able to cancel the payment and to wait until the funds return ''. I waited i did not see the amount of {$280.00} transferred back into my Wells Fargo Checking Account. I reached out prior to the issue to both regions and Wells Fargo. I spoke with Wells Fargo a rep stated that he will be creating case to send to the claims department for a review. I contacte regions on Tuesday XXXX XXXX who stated that since the account is closed there is nothing they will be able to do about the my money in other words and that i would need to contact Wells Fargo . i have been back and forth with Wells Fargo to recover my money of {$280.00} i spoke with over numerous people that stated the person who handled the claim did not find an error nor fraud so they was not able to recover my funds due to the fund posting successfully into the account which is no longer opened! I have tried being nice to recover my funds as i explained to WELLS FARGO REPS the account is no longer opened the account is CLOSED! WELLS FARGO DID NOT RECOVER MY FUNDS THEY REFUSE TO GIVE ME BACK MY MONEY AND BELIEVE I AM SUPPOSE TO SIT BACK AND LET MONEY GO FOR FREE. THEY SEE IT WAS IT WAS A ONLINE TRANSFER BUT REFUSES TO RECOVER MY MONEY.

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 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX, a payment through XXXX was made for the purchase of one golf cart through what I believed was a legitimate company located in Pennsylvania. We exchanged several phone calls and then I decided to purchase. After the seller would not contact me back, I phoned the company headquarters in Texas at which time i was told that if was fraud. It appeared the companys website had been cloned. ( The website is still up and active by the way ). I filed a fraudulent claim with both XXXX and Capital One. Capital One would credit the dispute and then reapply. After several months of trying to resolve the issue, Capital One sent a notice that the charge was no longer disputable due to the amount of time involved. XXXX had responded saying my case " was won '' and that Capital One should be contacted to find out where the funds were. At times, I even contacted XXXX, above Capital One without any success. I have filed a complaint with the West Virginia Attorney Generals Office as well. I am out the funds. I do not understand why XXXX could not have reversed the funds in the account. They have not been very helpful. Again, the website is still active, in fact the same crooks have a new website selling Kayaks. 

Federal Wire Transfer Fraud ( XXXX ) Date Filed- XXXX XXXX, West Virginia Attorney Generals Office - XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) & ( XXXX ). XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
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: Old information reappears or never goes away

Complaint:
This account was opened in XX/XX/XXXX and became delinquent soon after in XXXX. It has been incorrectly reported every single month as 120-149 days late- even after the 2 year mark. This company continues to intentionally make this erroneous report to all 3 credit agencies with the intent to harm my credit score even 4 years after the loan was disbursed.

This should have been charged off two years ago. I have disputed this debt, I had a credit repair company, XXXX XXXX, try to resolve it on my behalf, they were unsuccessful as well. The amount of interest and fees have now more than doubled the amount of the loan. The original loan was {$2700.00} and is now {$5400.00}. My only source of income is from a state Medicaide program called XXXX XXXX XXXX XXXX that I get for caring for my XXXX XXXX children. I am unable to work outside the home. 

This preditory creditor is making false reports to the credit agencies every single month to destroy my credit as revenge for not being able to repay this debt. Soon after I took out this loan I got XXXX twice- as did my entire household- and had XXXX deaths in my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: M.A.R.S., Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was called by a debt collector M.A.R.S in XXXX, Ok. I had asked what would happen if I couldn't pay off the debt, the man responded " it'll stay on your credit & you'll never be able to rent another apartment '' the reason why I even have an {$800.00} debt from XXXX XXXX in XXXX Ok, is due to them charging me for rent that " didn't get paid '' since they put more money on my XXXX from XXXX XXXX ( called refund prepayments ) that they should've but I'm the one being held responsible. I'm being charged {$300.00} for rent, and a prorated move out fee I shouldn't be, I was told that I would only pay {$30.00}, not {$70.00}, but somehow I owe both those costs. I initially got a debt letter XX/XX/2022.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Ive tried to close my checking account after being assessed multiple fees. The bank is unable to waive the fees so I attempted to close the account and was told Id be charged {$10.00} for a cashiers check because they didnt have enough cash to close the account. After asking to keep the account open if the fees were waived, they refused and are still unable to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter out on XX/XX/XXXX to " common wealth financial systems collection agency. Heres my tracking number XXXX, However the collection agency said they completed an investigation and everything was accurate. 

Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've sent Letters to all 3 major Credit Beaurus concerning certain accounts that are reporting on my account inaccurately. They sent me letters back stating that the accounts have been verified. I then in return sent the company Letters requesting to show their verification method. It has been 30 days and they have yet to send a letter back showing how they verified the account. Per the Consumer Laws I have a right to know how these accounts were verified and failure to disclose that information results in the Credit Beaurus removing these accounts from my credit reports.

This has ben passed the 30-day legal limit and therefore these accounts in question should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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: Their investigation did not fix an error on your report

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I went online to my Santander checking account and my Heloc loan account. I checked the balance of the Heloc account and transferred the balance of {$3300.00} to that account to pay off the balance. When I checked the account a few days later I noticed that although this amount was taken out of my checking account it was not applied to the Heloc account. Then on XX/XX/XXXX Santander took {$230.00} out of my checking account for the loan balance. At this point the balance should have been XXXX as I had paid the balance. It was then that I realized that the {$3300.00} they took out of my checking account had not transferred properly. I called and was told they would check it out. I have been on the phone with them at least 4 times since then and the issue has not been resolved. They closed the loan account, charged me more in interest as well as a fee and then credited my checking account {$77.00} on XX/XX/XXXX. I believe they owe me more money. If the balance was {$3300.00} on XX/XX/17 I may have owed them a few more dollars in interest but not {$50.00}. I feel the credit I should have received should have been closer to {$120.00} versus the {$77.00} they gave me. No one at Santander has bothered to explain what happened to the original transfer. I am attaching a picture of the checking account statement as well as the XXXX and XXXX statements in the loan account as I can no longer access the loan info online as it has been paid. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Please remove these items : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/27 Capital One Auto Finance used my social security number for an extension of credit, because my social security number was used I received no benefit this is proof of fraudulent activity. Fraudulent activity is unauthorized use of a credit card on behalf of Capital One Auto Finance. I the consumer and natural person, was denied credit by Capital One Auto Finance when I applied for a vehicle. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Capital One Auto Finance are subject to criminally liability for violating 15 U.S.C 1691 as I have proof what I was discriminated against by Capital One Auto Finance due to the response I received. Capital One Auto Finance is in violation of 15 U.S. Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, Im trying to get the information on my file deleted. The items listed on my report are the ones I need deleted. I am a victim of identity theft and I did not make the charge. I asked for the items to be deleted to correct my credit. I also reported the theft of my identity to the federal trade commission and I have copies of the federal trade commissions identity theft affidavit. I would really appreciate it if you can delete those items as soon a you can as it is holding me back. Im trying to improve in my life by getting things situated to help provide for me a my kids. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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: Reporting company used your report improperly

Complaint:
This agency is in violation of 15 U.S.C. 1681i. They were to notify me of this in writing 5 days prior i was not. As the original creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identiy Fraud 3. ) Violations of 15 U.S.C. 1681i

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 2023-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My mom opened a Kohls credit card in my name when I was only XXXX XXXX old, and I don't want it on my credit account anymore. I am XXXX and she never talked to me about it. Despite the credit being good, I feel it's wrong to open credit or loans through an XXXX XXXX.

Company response to consumer: Closed with non-monetary relief