BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-25
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX, I wanted to refinance my house so I could lose the PMI payment. I contacted Quicken Loans and they asked what was my ultimate goal. I said to lose the PMI payment and have a conventional loan. XXXX ( who no longer works for Quicken ) said I was not eligible because my credit score was too low. He suggested a two step refinance process to get my credit up. First, refinance to payoff the credit card debt to help rebuild my score and then refinance again once the scores were at XXXX. He said after making four payments and having an eligible credit score they can start the new conventional loan. I said I don't want to pay closing cost twice and he assured me since I would be a current client I would pay very minimal closing cost. I proceed with this loan and got my credit score up. In XXXX of XXXX, I contacted Quicken Loans and worked with XXXX. After the {$500.00} appraisal fee was paid and the underwriters looked at my information, he said I was not eligible to do a conventional loan because I had a foreclosure in XXXX of XXXX and could not get a conventional loan until seven years from that date. This be would be XX/XX/XXXX. I explained that I submitted the foreclosure document back in XXXX of XXXX and at that time I should have been informed that I would not be eligible for losing the PMI until XXXX. He agreed and they did reimburse me the {$500.00} appraisal fee I paid. I then contacted Quicken 's complaint department. XXXX said that was terrible this happened and offered {$500.00} off my next loan. I told him that we were not on the same page and feel I deserve to have all the extra costs reimbursed. He said he would review the situation and get back to me. When he did he said he found nothing wrong and they were not able to go back to the recording of XXXX 's conversation with me to verify what XXXX said because the conversation was erased. They only keep that information for 90 days. My issue is I should have never been told I could move forward until my foreclose had passed the seven year window. My original loan principal was {$250000.00} with a 3.375 % interest rate. The Quicken Loans amount became {$270000.00} at a 5.625 % This was ok because I was told it was temporary, they were giving me {$1200.00} to pay off credit cards, and once my credit was up they could get me into a better loan. That never happened and my monthly payment went from {$1900.00} to {$2.00}. Now I was forced to refinance again because I could not continue paying an extra {$370.00} a month. So refinancing again brought my total principal to {$290000.00}. In the end, Quicken Loans was aware of my foreclosure from the beginning and should have never moved forward with putting me into a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2022-11-28
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 I set up an online payment of {$1800.00} to be paid on XX/XX/2022. This online payment does not, never has, showed up on their bank site under scheduled payments. I have called, I have written, and they seem to not have a solution. They say they see the payment and tell me everything is alright but what if I want to modify the payment, or delete it, or whatever. I can't because it is not there. Worse yet, what if the payment does not go through even though they said it should? I got an email the day I set the payment up with a confirmation number, etc., but when looking online the scheduled payment section says there is no scheduled payment by me. It is a store card, XXXX & XXXX XXXX card thru Comenity Capital Bank. Is it illegal for a Bank to be this incompetent?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
after many months of disputing charges on my account, the bank responded to me that " We again would advise against attempting to resolve the issue directly with the merchant '' I agree!!! that means the bank needs to back out and not take responsibility on my behalf. 

the bank is responsible for this charge and should pay the charge as they are not allowing me to work directly with the merchant. the bank is taking it upon itself to accept charges for the vendor. 

I have made it quite clear that the charge is not legitimate and is a fraud. if the merchant has anything on their side that defends them I have not seen it and the bank has not shared it with me. 
If the merchant believes they are in the right they can come after me directly and without the support of capital one.

Why is capital one supporting the vendor as I am the client and creditor? 

I refuse this charge, I demand that the bank return my funds and back out of this situation as it is harassment. USFCR is completely capable of sending me an invoice if they seem to be fit. how are they using the bank to protect them when I am the creditor. It's a fraud. 

the bank has noted that " it has confirmed that all of the correct procedures and processes have been followed in denying this claim due to the merchant documentation. " I have not seen any merchant documentation. I have not been informed of any procedures that were used and I was not informed of any tactics they used. they never called me back to discuss it. they are defrauding me as a matter of fact. I have first-hand knowledge and the bank does not. the bank is a fraudulent organization and should have its banking charger removed for blatant fraud. 

did the merchant show documentation that showed that I never received the product and I still need to pay? that is called fraudulent and a cybercrime. 

capital one also said " they have no further recourse on this purchase '' then they have no right to demand that I pay for this. they can pay for it as I refuse to pay for fraud. I want my account closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Act XXXX  account # XXXX has violated my rights 15 USC 1681 section A //states i have right to privacy 15 USC 1681 section A section 2 states a consumer reporting angency cannont looking into or furnish my account without my written consent nor 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 non-monetary relief
Consumer complaint received 2021-09-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am currently in the process of purchasing a home. On Saturday, XX/XX/XXXX, XXXX XXXX withdrew {$7000.00} from my HSBC XXXX Checking Account ( last XXXX XXXX ) for the deposit on my new home. On Monday, XX/XX/XXXX, I wrote a check to myself from my XXXX XXXX XXXX XXXX Checking Account ( last four XXXX ) for {$9000.00} to deposit into my HSBC XXXX Checking Account ( last four XXXX ) to replace the funds that were withdrawn for my home deposit and to cover any upcoming expenses that I may have in the home process. On Tuesday, XX/XX/XXXX, I attempted to log in to my HSBC XXXX Checking Account ( last four XXXX ) through my mobile phone. I was denied access as the page stated " Account Suspended. '' I contacted HSBC fraud services, and I was told that the check that I wrote to myself for flagged for fraud. I was then told that until my bank verified the funds that I would not have access to my HSBC XXXX Checking Account ( last four XXXX ). I offered to three way the bank. That was denied. I offered to send in proof of funds. That was, also, denied. I then placed a stop payment on the check as I did not want those funds to go into my HSBC XXXX Checking Account ( last four XXXX ) and become frozen. On XX/XX/XXXX, I called HSBC fraud services and told them that I have stopped payment on the check and what verification do I need to have my HSBC XXXX Checking Account ( last four XXXX ) unfrozen. I was told that there is nothing that I can do to prove that the funds are and were in my account on the day that I attempted the mobile deposit for {$9000.00}. On XX/XX/XXXX, I called into XXXXSBC fraud services because I was unable to stop my payroll direct deposit from being submitted into my HSBC XXXX Checking Account ( last four XXXX ). I asked what I would be able to do to access my verifiable payroll direct deposit, I was told that I could go to a local branch -- of which there are none within a XXXX mile radius of home -- and they may let me access my funds. HSBC refuses my access to verified funds that are not fraudulent and from a Fortune 150 corporation because their computer system found it odd that I would be conducting financial transactions from my HSBC XXXX Checking Account ( last four XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Ocwen Financial Corporation
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Back in Nov.of 2011, I used a trial of XXXX XXXX on XXXX. I cancelled the trial through the Tv and screen confirmed. I noticed that the charge kept recurring, along with a XXXX XXXX charge I had disputed. I called both places. XXXX XXXX stated that they had no subscription or monies coming in for me. I tried to get in touch with XXXX, but this can only be done by signing up for a service. It states that the money can be refunded if you cancel the service, but this seems like opening ANOTHER can of worms. I tried again XXXX going to the XXXX XXXX app on my TV, but it states that there is no subscription, so Im not sure who is getting the money. As for XXXX XXXX, its a CA number and after trying repeatedly, I can get no one to answer the phone. I have been trying for months to close this Capital One card via letter, online chat and email. They all said that XXXX cant because of the outstanding dispute. In the meantime, the dispute with XXXX XXXX was resolved and the charges dropped. However, they said I had to wait XXXX days for the origin of the charge for the XXXX to respond. Meanwhile, my annual fee was added to my charges. I called about that and they said to pay it and when the XXXX charge was dropped ( I was assured it would be ) that this would be refunded. I did pay. I was assured XXXX in long phone calls that the charges after XXXX would be dropped and my card would be closed. Now we are almost into XXXX and not only have they not closed my account they say they are still waiting to hear from the origin of the charge for the XXXX, who, by the way, they cant identify!! Of course, I am also being charged a late fee. I am very frustrated. Every time I call I am reassured everything is taken care of, then I get another bill and spend another hour on the phone. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
On XXXX XXXX to be exact while using my phone I saw a notification from Bank of America pops up so I stopped what I was doing on open the email when I opened the email I saw the email stated " we placed a hold on a check you deposit at an ATM an amount of {$5200.00} '' I was in shock I was like " a hold on my check " because I saying that I didn't deposit a check or go to any atm since lately nevertheless, I rushed to my online banking I realized I'm unable to logged in I went to my book bag that I took to work and checked for my wallet I realized my wallet wasn't in my book bag so I rush to see if it's in my living room or somewhere in the house then I said to myself my wallet maybe it fell out on the seat in the bus because it's not where to be found so I rushed to XXXX and typed " bank of America customers service number '' it popped up and I pressed the number on the screen got to speak with an agent/assistant I told her that it seems like my wallet fell out in the transit while coming from work and someone found my wallet with my information ( I wrote the information for my bank because I always forget passwords, pin etc and sometimes my phone not back up so if I use my notes it's going to be gone if it's not backed up ) so I told her to removed the link account for my online banking because I didn't want whosoever found my wallet in the bus transfer the funds to their account so she did told me that the linked account is unlinked so the call end I went on XXXX to make an appointment to go in person to also report the following Thursday the but they were no slot available so I got an appointment for the following Friday which is the XX/XX/XXXX I when I going back on forth on calls they said my account is going to closed which is so sad because some tries to do fraud on my account and all checks that I deposit I never wrote my middle initial or that's not how I form my W 's and other letters to conclude this my dispute and I hope to hear from you guys with a solution thank you in advance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I purchased a vehicle, XX/XX/. The financial lender that was selected by the dealership based on the rates was, XXXX XXXX XXXX. I was not familiar with the institution I later learned they were popular in the XXXX but didnt have any physical locations in XXXX  XXXX This was the first mistake that I made because as a result I have never been able to build a rapport with the company and have had to endure a vicious cycle of struggle. 

The global pandemic began a month after I purchased the vehicle but I could not return the vehicle. During that time, lenders were offering payment deferrals because no one was working. XXXX XXXX bank offered me a payment deferral plan, I believe in XXXX of XXXX. This was a relief because now I didnt have to worry about that expense, or so I thought. 

90 days later I received a notification from the credit bureaus, I was penalized as having a multitude of late payments XXXX days all Im regards to auto loan. When I called the institution they claimed that they hadnt filed the form, another agent told me there was no form, I asked for them to review the automated conversations because everything was recorded. But, there was never any resolution. These late payments resulted in my credit score dropping over 80 points. I have had trouble over the last several years rebounding. 

These impacts, based on a relief packaged advertised during the pandemic, have resulted in me being denied for opportunities by lenders and landlords. I have had to live on a living room couch because of the snowball effect of what they did to 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 2022-06-18
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX Acct # 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
Consumer complaint received 2021-09-16
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Amount {$650.00} date unknown I contacted the company and invoice them for the violations an told them to cease and desist 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
False information about closed and paid accounys. Companies do not want to change it asreported. Call the co.paniy itself to help and the co.panies stated Transunion and XXXX needs to change it. They do not want to help at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I mailed a dispute letter to TransUnion. They mailed me a letter suggesting I didn't mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent this letter. Tell them to please provide dispute results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$34000.00}

Company response to consumer: Closed with explanation