BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-02
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Scottrade and their affiliates can not be trusted. XXXX states that to resolve a dispute ( my account was hacked ) I am required to file arbitration. However, XXXX will not provide me with an arbitration agreement. Because of this and many other issues, I am refiling this complaint against Scottrade for the fifth time with the CFPB. 

Consumers beware, I have filed more than XXXX complaints against XXXX trying to get a copy of the arbitration agreement and each time XXXX responds with a boilerplate letter saying " we consider this issue closed and will no longer be responding ''. 

I would like to file arbitration against XXXX. XXXX has refused to provide me with a copy of the arbitration agreement. Can you please provide a copy of the arbitration contract.

Company response to consumer: Closed
Consumer complaint received 2020-03-15
Company: EQUIFAX, INC.
State: VA
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 IS NOT A DUPLICATE- I received a response from XXXX XXXX regarding the loan # XXXX, however the information that was provided by XXXX XXXX , Chief Administrator Officer was incorrect. Originally, I requested a goodwill courtesy update for the past due reporting on my credit report. I was able to review my credit report and was able to find multiple inaccuracies. According to Equifax, XXXX is reporting that this account was closed on XX/XX/XXXX, XXXX  XX/XX/XXXX and XXXX  there is no closure date. XXXX is reporting to Equifax and XXXX  that the account opened on XX/XX/XXXX but with XXXX, it is reporting that the account opened on XX/XX/XXXX. 

XXXX is reporting with Equifax that my account has 3 ( 30 Day ) late payments and 1 ( 60 Day ) late payment. However with XXXX  and XXXX, XXXX reports that I have 2 ( 30 Day ) late payments and 1 ( 60 day ). 

I have previously requested to remove past due reporting from my credit report as a courtesy because this inaccurate information is damaging my credit. However, the Chief Administration Officer stated that information reported was accurate which is considered to be misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Nelson Cruz & Associates LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My father had work done on his home for an insurance issue of black mold. The mold was not taken care of and my father has decided to let the house go into forclosure. My mother who has been divorced from him for over 10 years and never lived in that home, myself and my brother in law ( because he has the same name ) has been contacted numerous times. The last time I told them it was n't my debt and my father has no plans to pay they can file the lien against the house for the debt the man XXXX was screaming at me, harassing me and telling me things like " pay your debt and what do you work at XXXX XXXX '' when I told him to stop calling or I would contact a lawyer. This is not my debt and having them contact everyone who has been remotely connected to my father is being contacted. I do not have power of attorney, have no access to my fathers money and told them this only to be screamed at and belittled. My father is XXXX and has no assets, so as I said I do n't plan to pay this which I explained.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2021-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
After a year of interest and credits awaiting chargebacks of airline and hotel we are almost there with reconciliation Again I examined each statement since XXXX till XXXX 2021 The following is my findinds. PLEASE let me know if wrong and where is my calculation off. 
XX/XX/XXXX, {$8.00} ; XX/XX/XXXX, {$14.00} ; XX/XX/XXXX, {$20.00} ; XX/XX/XXXX, {$4.00} XX/XX/XXXX {$4.00} ; XX/XX/XXXX, {$51.00} {$5.00} ; TOTAL INTEREST CHARGED {$57.00} CREDITS : XX/XX/XXXX, {$40.00} ; XX/XX/XXXX, {$1.00} XXXX, {$0.00} XX/XX/XXXX, {$9.00} TOTAL CREDITS : {$51.00} DIFFERENCE DUE : {$5.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: SYNCHRONY FINANCIAL
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: Personal information incorrect

Complaint:
Incorrect address appeared in my report PLEASE REMOVE ASAP. 
Address for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX i have never lived at address Names that should not be on my report. 
DIVORCED IN XXXX REMOVE ALL WITH LAST NAME : 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 2021-01-08
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Guarantee Rate affinity, gave me a pre approval knowing that my new home was a manufactured home on land and had no issues with credit or down payment. We started this process in last XXXX early XX/XX/XXXX. We were told XXXXwas going smooth and that our loan was scheduled to close on the XX/XX/XXXX. I was told and paid for appraisal and the company was to have it on Friday the XX/XX/XXXX. When it went for final review the head underwriter stated that this house had to cure for 6 to 12 months. Mind you they knew from the start it was a manufactured home on land and had no issues. I received an approval of my loan on XX/XX/XXXX. And was scheduled to sign around the XXXX. That was perfect timing as my current home was sold and I had to be out by XX/XX/XXXX. The lender called me and stated that the loan couldn't go through and had to sit vacant for the time allotted in order to do the loan. I was never told this and no one ever told me anything, I was told by my realtor who the lender called and disclosed this to her. Privacy issues. They told me that they had done the appraisal and I was told the night of XX/XX/XXXX the appraisal was never done. Now I have to start this process all over and i may lose my dream home because this morgage lender lied to me and came up with a law that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
GOLD KEY CREDIT INCXXXX XXXX XXXX, FL XXXXToll-Free XXXXLocal XXXXFax XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify GOLD KEY CREDIT INC ACC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : GOLD KEY CREDIT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX, FL 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 2020-03-15
Company: SYNCHRONY FINANCIAL
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone has opened a paypal credit with a {$1000.00} credit limit in my maiden name and old address ( before new XXXX address same place though ). I recieved a letter from paypal credit the date on the paper is XX/XX/2020. Someone has tried to do this several times and been declined and now have succeeded. It looks to go through synchrony bank, I've been trying to contact them and can not answer all the computerized questions to get to a real person because I didnt open this account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ok I have alot of things on my credit because someone stole my information an I made a police report 3 years ago this stuff that 's own my credit is because someone stole my identity an I need this removed so that I can get things I wo n't

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611a it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these inaccurate items be deleted immediately or I will file for litigation due to stress you caused 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 2015-05-18
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a payment of XXXX to GC Services on XX/XX/2015 and XXXX says that they are saying that I still owe a full balance so thy cant remover the collection from my credit report when I had settled the collection in full on XX/XX/2015 therefore I still is showing a collection on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-24
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was told by Quicken Loans that I could refinance with XXXX closing costs at 4.375 %. I would receive {$4000.00} in Lender Credit to cover all closing costs. 
However, if my house appraisal resulted in an 80 % Loan to Value amount to be financed, the interest rate would drop to under 4 %. 
The Good Faith Estimate was changed to reflect $ 3.999 %, but then the Lender Credit was changed and I was expected to pay almost {$3000.00} at closing to Quicken. The reality was that I had to pay to obtain the lower interest rate. 
I believe this is clearly bait and switch. Quicken should be ashamed. 
In an earlier complaint, filed by me, Quicken also ruined my credit score with their multiple hard inquiries on my credit report. 
I was also forced to forced to deny that I disputed an outstanding balance from XXXX Bank, when in fact, I did dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
On XXXX/XXXX/2016 I used XXXX, which ultimately directed me to the Experian website to obtain my XXXX bureau credit report. I ultiamtely paid {$39.00} for this, despite that it is freecreditreport.com and implies a fee credit report which does seem deceptive to me the problem is not so much the {$39.00}, I agreed to that cost, it is that on XXXX/XXXX/2016 and XXXX/XXXX/XXXX I was charged {$21.00} without my authorization, and I need that refunded. 
The first step I took was to cancel any recurring billing, it is always my habit to do this to avoid this type of situation. Further it is a bit of an outrage for a credit reporting agency to engage in this kind of behavior, we expect it from the local gym who " forgot '' to cancel your recurring billing, but not from an organization like Experian we are supposed to be able to trust. 
The agent I spoke with today XXXX/XXXX/2016 at about XXXX XXXX was named XXXX and her employee ID is # XXXX, she was as helpful and understanding as possible but indicated her supervisor would only authorize XXXX refund of {$21.00} not both charges. If these charges were valid, they would not reverse any of it, so it is clear to me they acknowledge I did in fact cancel the billing as I described, it is in essence them asking for me to pay for their mistake which is unfair. 
Further, when I called it was at first explained to me that the {$39.00} alone gave me access to my credit information for 180 days. Then during the call I got an email regarding downgrading which I did not request. Then later in the call the agent, XXXX informed me that I only had paid for 30 days of access. A lot of confusion really, it seems as though things were made up as they went along.

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 2022-03-24
Company: EQUIFAX, INC.
State: MD
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 was a user on a corporate credit card, the company went out of business, the debt is showing on my personal credit report with Equifax, the other two reporting agencies removed it after my dispute in XXXX. 

The XXXX XXXX Credit Card account reflects closed and and charged off as of XX/XX/XXXX, however the balance owed has increased approximately $ XXXX since first reporting. If the account is closed and charged off how can the amount owed continue to increase? 

I just received an alert in XX/XX/XXXX that the balance has increased by {$5.00} with no explanation. I do not receive statements from the company and I have no access to the account. Additionally XXXX XXXX issued the company a 1099 for the charged off debt in XXXX so how can they still try to collect for it from an individual?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I was dealing with a XXXX XXXX to add an authorized user to my account to help with their XXXX XXXX. That user got my personal information and ordered themself a card and made several charges totaling {$5400.00} on my account. Chase said the authorized user transactions were made with the chip so they had a physical card. 

I called chase to have the amount of {$5.00}, XXXX removed from my card. Chase cancelled the card twice credited my account and issued me a new card and they transferred the same amount to the new cards again.

Fraud department did not help because they said I added that person and saying that I'm responsible for the charges. 

I did not give the XXXX a card and I did not authorize the purchases they made. 
I have always been told that if you add and authorize user to your account they don't receive a card the card gets mailed to me the card holder, and they don't have access to my personal information. 

I want Chase to remove this charges and credit my card then I will close my account with Chase it was a XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On the XXXX show XXXX while they are showing a buyer looking at a home for sale, a flash at the bottom corner of the screen, says " XXXX payment is {$2000.00} ''. 
being in lending for 48 years, I know that in order to quote a payment, you must also show, APR, loan amount, term, etc. 
ALL THEY QUOTE IS THE PAYMENT!!!!!!!!!!!! 
XXXX XXXX is owned by Quicken Loans, a huge National Mortgage Company. 
This is not right for them to do this, and must be stopped now!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: American Coradius International LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Called and claimed a person ( not me ) owed a debt to them. When I called back they said they were a call center, ( did not notify me on the phone that this was an attempt to collect a debt ) and I am on the Do Not Call Registry and do not want to be bothered by them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: AL
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 XXXX Bank XX/XX/2023 XXXX Bank XX/XX/2023

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 2016-12-19
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had Quicken Loans as a mortgage lender from XX/XX/XXXX through XX/XX/XXXX. We refinanced at that time with XXXX as our new mortgage lender. We have had XXXX as our mortgage lender since. 

On XX/XX/XXXX, Quicken Loans contacted our home insurance provider ( XXXX ) and requested the below : 1 ) Change the name of the mortgage provider on our home insurance policy FROM XXXX TO Quicken Loans ( thus changing the mortgage e-clause ) 2 ) Change the payment preferences FROM us ( XXXX XXXX XXXX TO Quicken Loans. They indicated they will not be escrowing the funds from our monthly mortgage statement. ( Note : We have always paid our home insurance in full the minute we renew. Additionally, Quicken Loans is obviously not our current mortgage lender ... so they are not issuing any statements to us. ) 3 ) Quicken Loans requested our home insurance policy information ( which XXXX provided XXXX which included our active mortgage loan number with XXXX. 

I called on XX/XX/XXXX and spoke to XXXX. that works at XXXX. She provided the information of what was changed and indicated that XXXX is legally able to provide information to mortgage companies that have names and addresses of XXXX 's customers. 

I am very uncomfortable and feel violated and am not sure why Quicken Loans would call on a loan that is not active ( for well over a year ) to obtain my personal information ( including my active mortgage loan number ), change my payment preferences, and update my current mortgage information to their name?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have numerous errors showing on my credit report. After reviewing it I sent Experian a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that Experian has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-06-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian has repeatedly ignored my requests for them to provide me with the documents that their company has on file that was used to verify the payment history of XXXX accounts that I disputed. This matter has been ongoing for more than 60 days! twice the permitted timeframe and they can not satisfactorily verify the late payments on the accounts in question, as per Section 611 ( 5 ) ( A ) of the FCRA - they must " ... promptly delete all information which can not be verified '' that I have disputed and demanded be validated. Please resolve this matter ASAP. 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