BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After fraud happened on my card capital one sent me a text to see if it was me because I was asleep I called the next morning and told them it was not me and asked to close my account. I then paid off the card balance besides what was fraud. I thought that was the end off it until I got a bill months latter I called them and they told me that they recently mailed out a card and that I was who called in. This was not the fact as I had asked for the account to be closed. The person on the phone said they sent the same card number as the one I reported was being used fraudulently. I was assured things would be taken care of. I never carried a balance on this card I paid it off every month weather the balance was XXXX or XXXX dollars it was paid each month. Now they have been reporting to the credit agency lies they say I have made payments which I have not my bank account can show my last payment was when I closed the card in XXXX. It is now XXXX and I have been denied credit because this says I am in collections for something I did not do. I closed the account what they did after that is not my responsibility. I have called and they say they will investigate and then tell me I owe it which is impossible as I didnt make those charges I closed that account. Then when I dispute it with the credit bureaus they say its valid without actually investigating because if it was investigated they would know i did not use a card on an account they agreed to close. I can show my last payments and charges this is not right. 

I have attached bank statements that confirm I paid my balance off every month until XXXX when fraud happened. After that I paid my balance off besides the fraud. After that they have changed the balance from XXXX to XXXX I did not do this and I can show that they falsely report the information as well as did not close my account when asked to do so and further more let someone use the account and now try to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I requested that my account be closed on XX/XX/XXXX. I received a message on XX/XX/XXXX advising me that I would need confirm my address in order to receive a check by mail. I confirmed my address the same day. 

On XX/XX/XXXX, the account had still not been closed and so I made another request. I was again asked to confirm my address. I did so on the same day. As of today, the account is still open.

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 2022-01-20
Company: Rocket Mortgage, LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Account XXXX with Rocket Mortgage. Rocket Mortgage continues to hit my credit report. Today I was informed about a NEW Account being set up with Rocket. Identity Fraud Keeps sending me alerts about Rocket Mortgage. I refinanced and am paying auto payments and am current! STOP HITTING MY CREDIT. I WANT ROCKET MORTGAGE TO STOP ANY AND ALL CREDIT INQUIRIES TO MY CREDIT OR ADDITIONAL ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
**PLEASE REVIEW ATTACHED DOCUMENTS** This complaint is in regards to my student loans that are managed by XXXX. They manage 13 of my XXXX and XXXX XXXX XXXX loans. I could not locate the loan numbers for each loan, but have included a picture of the loans listed in my XXXX account. At the beginning of XX/XX/2022, XXXX falsely reported that my student loans payments were 90 days late. This dropped my highest credit score XXXX points and devastated my credit that I have been diligently building for the past several years. When I called XXXX to inquire about why they had reported my payments late without notifying me first that they were due, I was told that my loans were put into deferment and reporting as current. I called XXXX on 3 different occasions about this matter and each representative told me the same thing. They assured me that my credit report would update and show the correct information. My report did eventually update to show that my loans are current ; however, I still have the negative marks of being late 90 days on 13 accounts! This has tanked my score and I am unsure why XXXX would have done such a thing without at least notifying me first. I know that I am federally protected against billing errors made by companies. I am also covered by the law that mandates information that is reported on my credit report must be accurate. XXXX failed to uphold both of these laws. They did not adequately notify me that some of my loan payments had resumed nor did they inform me that they would be reporting them as late. I have never been late in the 20 years that I have had student loans. This issue has severely disturbed me and has negatively impacted my life for the past 7 months. Each primary credit reporting agency, XXXX, XXXX, and TransUnion are also complicit in XXXX illegal practices, because I have informed them that this false information should not be on my report. Please assist me with resolving this problem. 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 non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: MD
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 2019-12-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: MD
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:
Account name : # XXXX. 
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 2022-10-03
Company: EQUIFAX, INC.
State: MA
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was able to come up with some money to pay off my some debt due to losing a family member during the pandemic. I paid off my chase card in full before the due date. I was still charged interest. I called : My first call I was disconnected on as the worker picked up the phone acted as if they couldn't hear me then disconnected. Call two called in and got customer service, explained that I payed the card off in full before the due date and requested the fees to be waived. The agent refused. I asked for a supervisor he then transferred me to tech support. After explaining to tech support, he advised I was transferred to the wrong department and transferred me back to the credit card department. I then got to XXXX who was kind but again after explaining everything refused to waive the fees. I have paid thousands in interest. I have not had a fee waived close to 10 years. I've been with them for that long. The statement is deceptive in its wording and is a UDAP violation. The fees should be credited. It's insane I've had to go through all this to get {$170.00} in fees credited when I've paid {$300.00} in interest for the last several years. This is terrible service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21
Company: Shellpoint Partners, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
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:
Reason is the amount owed is not valid. the unit that we were renting had serious issues with Mold and we had to move because of your young child and the health risks associated with this. We were let out of our lease, they must have made a mistake in calculating that any monies are owed to them as this is false. We are prepared to hire an attorney and file a lawsuit against them if it comes to that. For now, we would request that they put in a request to remove this account from our credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Account Number XXXX This is appearing on my credit report with no validity. There isnt any amount that is showed to be owned, there are no terms. the only term is a XXXX loan. It has an adverse effect on my credit report with no details to confirm the debt, i.e. no amount, no dates, no details. 
The credit agencies claimed to have investigated the error but nothing was corrected. I still have no details to tell me what amount, when it was owed, time frame or anything of substance. Please have the credit agencies remove this from my credit report if they are unable to verify the information, if they are verifying it please send me the results of the investigation with amounts, time frame and all the details i need to do my own verification.

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 2021-03-02
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I contacted Loan Depot regarding my PMI and escrow account as I wanted to cancel them. Market values have increased so I wanted to discuss my options. 

Spoke with XXXX XXXX a customer service team lead from Loan Depot. She assured me she would escalate the request. 

On XX/XX/XXXX I follow up, I speak with XXXX XXXX, a customer service representative from Loan Depot. He once again assured me and says that XXXX didnt know how to handle my request. 

After several other calls to Loan Depot and XXXX ( there servicing company ) several representatives tell me that the PMI does not have a phone number or an email. There is no way to contact them to discuss my options as a consumer. 
Today, XX/XX/XXXX, I receive an email regarding the options regarding PMI cancellation. I contact XXXX and speak with representative XXXX Id XXXX. He proceeds to tell me that my loan doesnt qualify based on the notes, but tells me the PMI department doesnt take calls. 

I then ask for a supervisor, he refuses to transfer me. He refused to tell me what city his office is located in. 

This lack of transparency is concerning as a consumer. I am asking for help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not know what this is about. It was a computer and now they say they are part of a law firm, Aldous and Associates,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This new complaint against Bank of America is related to complaint # XXXX XXXX I filed with you XXXX XXXX, XXXX, against XXXX XXXX XXXX I made payments through both these banks to XXXX, a company claiming to provide lifelong computer tech support monitoring. ( The first payment was a check from XXXX XXXX for {$750.00} - that is the payment I disputed in my 1st complaint to you. ). This new complaint is against Bank of America ; I made 2 VISA pymts through them to XXXX XXXX & XXXX, XXXX, totaling {$1100.00}. I did not discover this co. was a fraud until they called me XXXX XXXX saying they detect hackers on my computer which is not covered by the package I paid for- I need to buy a new pkg. I filed a complaint with CT Atty Gen office which said to file fraud charge with Bank of America- I did on XXXX. 
XXXX, XXXX. They sent me a letter saying I waited too long to report it- but these hackers wait months between calls asking for more money to fix hacks, so I had no way to know within 1 month, that this was fraud, so it was impossible to report it to Bank of America that quickly. Please help!

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 2022-05-02
Company: Experian Information Solutions Inc.
State: PA
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 Acct # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX. XXXX XXXX XXXX XXXX states i have the right to privacy. 
XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish a account with out my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19
Company: Shellpoint Partners, LLC
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred to Shellpoint mortgage services back in  XXXX . My property taxes were supposed to be paid in  XXXX  but never did. I then received a letter from my city that taxes were n't paid and I had till  XXXX   XXXX  to pay them or I would have a tax lien placed. I immediately called Shellpoint mortgage in  XXXX  when this letter came and they said yes the taxes will be paid. I called city on  XXXX   XXXX ,   XXXX   taxes still had not been paid. I called Shellpoint again and they said they will escalate and to call back in a week. I waited and called the city on  XXXX   XXXX ,   XXXX   taxes still not paid. Called Shellpoint and they stated a check was mailed out  XXXX   XXXX ,   XXXX  . Waited a week and called City still nothing. Called mortgage company again all I get is check was mailed on  XXXX   XXXX . Called City on  XXXX   XXXX  taxes still not paid and as of  XXXX  Tax lien will be placed. Called Shellpoint again very upset and they finally got in touch with tax department in their company and states " Check is being overnighted as of today. '' So  Shellpoint lied about a tax payment being sent and now the City will do nothing to stop the lien from being placed. I feel this is very unbusiness like and now  I will have a tax lien placed on my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I am unable to lift a credit freeze on my trans union credit report. I have attempted to lift the freeze for over a year. Multiple phone call attempts with hours spent on the phone holding for customer service agents who either transfer me to a different department or say that they have resolved my issue. On four separate occasions I have been assured that the freeze on my credit has been lifted, however, I still get denied for new credit due to my transunion report being frozen. I feel helpless and stuck in this situation. Transunion says that my credit report is frozen and also unfrozen. They have assured me that the glitch has been resolved the last three attempts I have made through customer service.

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 2022-10-03
Company: EQUIFAX, INC.
State: MD
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation