BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-17
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are first time homeowners. I had applied to Rocket Mortgage, previously known as Quicken Loans for a mortgage. I did pre-approvals with a few different lenders to compare rates including other well known lenders such as XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX had provided the lowest estimate by far, like almost too good to be true and in fact it was. We had asked a few other lenders if they would match and everyone one of them said it was not possible since the rate was so much lower than anything they had seen. Literally a competing loan officer said " run, dont walk '' to get that rate. 

Rocket Mortgage, loan officer name XXXX XXXX NMLS # XXXX, told us we'd be able to get a rate of 2.0 % with no points for our loan ( including relationship discount w/ XXXX ). We excitedly paid the {$500.00} deposit to lock in that rate. However, when our loan estimate processed, we noticed it was not what we were verbally communicated over the phone. XXXX assured us that everything will be ok but that he did not want to put the real rate in so that we couldn't send it to a competitor. That seemed reasonable to us at the time. 

Slowly things started to unravel. Many calls and emails went to Will to see if he could get our loan estimate updated because we were uncomfortable proceeding with inaccurate information and a lot of money was at stake. He said everything was fine and that his team would take care of it ( see attachment ). Nearly 3 weeks elapsed and still nothing. 

Finally got ahold of someone that looped in his supervisor and when we informed him of the situation he basically told us to get lost. At this point 2.25 % was the best they do, even though we paid for a rate lock and every previous communication was that we would be able to close with 2.0 % no points. At worst this is fraud / predatory / bait and switch / lying / deceit / scam whatever you want to call it. At best, XXXX is a terrible mortgage broker that should have his license revoked. 

Had they communicated at literally any other time that this was not possible, we would have gone with another lender. Now our entire home buying process is in jeopardy because of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i have been reporting this incident for years now and no one hasnt did anything about it. Its alot of things i can not apply for because someone has use my information and open several accounts in my name. My car was vandalized a few years ago in XXXX, tx at a hotel and they stole my bag with my ssn, ids and other personal info. I see students loans, bank/credit unions, utilities, cars and etc thats not mines. And its leaving negative output on my credit report. I need them remove asap. I attached other important to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: MI
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:
This debt was paid in a settlement back in XXXX. The agreed upon amount was XXXX, which were to be made in 4 payments, which they were, would in fact settle this account. I noticed on my credit report that in the fact the opposite was reported. The account is being reported as a balance of XXXX still being owed which shot my utilization through the roof and lowered my score 76 points!!! 76 points!! I am in the process of closing on my home and this has not barred me from doing so!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
On XXXX XXXX I sent a letter to collection agency XXXX XXXX XXXX. They received letter XX/XX/2022, which is stamped on the Certified receipt. I have attached Certified receipt. Requesting full validation of Account # XXXX. I have attached letter I sent over to them. They have violated my rights as a consumer, not once but twice! First they sent me itemized receipt of account listed on my credit reports, their itemized letter clearly says I have a balance due of {$290.00} but on my credit report it is showing a balance of {$320.00}, I have attached a photo of that account showing on my credit file. So they are reporting inaccurate information on my credit reports. Second Violation they never put a " notice of dispute '' after 30 days of receiving my dispute, As you can see on the photo I submitted nothing was ever put under the comment section, they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.

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 2023-06-16
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-09-17
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
`CITIBANK CHECKING ACCOUNT : XXXX ( CARD XXXX ) ( XXXX ). 

mY SOCIAL SECURITY CHECK WAS DIRECT DEPOSITED IN XXXX TO THIS CHECKING ( APPROX XX/XX/XXXX ), THEN CITIBANK FROZE ACCOUNT LATER THAT DAY. i CAN NOT SEE THIS ANYMORE NOR CAN i GET A STRAIGHT ANSWER ALL THESE MONTHS OF CALLS. 
FIRST, IT WAS THAT SOON AS IT IS CLOSED THEY WILL MAIL CHECK XXXX, THE REMAINDER IN THE ACCOUNT. iT WAS CONFIRMED THAT I WOULD RECEIVE SAID CHECK BY XX/XX/XXXX. 
THEN I CALLED A WEEK LATER, AND NO ONE COULD SAY WHAT HAPPENED. IT WAS BEING HANDLED INTERNALLY BUT I WAS BOUNCED AROUND TIL IT DISCONNECTED. 
THIS HAS GONE ON TO THE PRESENT DAY. 
FIRST, IN XXXX, I WAS TOLD THE CHECK WAS MAILED BACK TO SOCIAL SECURITY. THIS WENT ON AND ON, I CALLED SSI SEVERAL TIMES. 
ONE OR TWO PEOPLE CONFIRMED A CHECK WAS MAILED TO ME BY THEM AROUND XX/XX/XXXX OR XXXX. I WAITED NAD WAITED. 
FINALLY, I CALLED AND THEY SAID IT COULD BE POSTOFFICE SINCE THEY ARE MINIMALLY STAFFED. 
FINALLY I CALLED THIS WEEK ON WED, XX/XX/XXXX AND THE XXXXTECH SUPP0RT ' INSISTED NO CHECK WAS FORTH COMING. I WAS ALWAYS TOLD THERE WAS NO CHECK INCOMING BUT THEY HAD SENT IT OUT ANYWAY ) NOW THEY INSISTED NO CHECK EVER WAS MAILED AND NO MONEY EVER CAME IN. 
NOW I HAVE TALKED TO CITIBANK SEVERAL TIMES THAT DAY AS WELL. FIRST I WAS TOLD THEY SENT IT TO UNEMPLOYMENT. THEY GAVE A NUMBER TO CALL XXXX. THAT IS A LABYRINTH THAT WOULD NOT ANSWER. CALLED CITIBANK AGAIN AND THEY SAID IT WENT TO GOVERNMENT AGENCY AND THEY CAN NOT TELL ME MORE. 
I AM REDUCED TO 2 MONTHS ARREARS ON RENT, FORCED INTO BANKRUPTCY AND AM AT THE END NOW. SOON THERE WILL BE EVICTION NOTICES AND I AM XXXX WITH XXXX  AND XXXX CONDITION. I AM BEYOND HOPE ANYMORE.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-04-06
Company: EQUIFAX, INC.
State: SC
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX 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 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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX : {$230000.00}

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 2023-04-06
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, an authorized party accessed my account with Chime ( XXXX ). The party disabled alerts and changed my email and phone number. After alerts were disabled, the unauthorized party transferred around XXXX out of my savings account into a checking and a secure credit card account. Both accounts were emptied via cash app transactions. My account was taken for over {$23000.00} in a few hours. I realized the issue the following day and reported it to my bank. They said they would file disputes for all charges and follow up by email. The disputes were filed but no communication from the bank. I have called multiple times a day for almost a week to try to get my account repaired and funds returned. This is a clear case of fraud. As requested, I have sent copies of the emails showing the unauthorized party entered my account around XXXX XXXX on XXXX. I have provided a fraud case number from XXXX XXXX. I do not have a XXXX XXXX account and did not authorize anyone to remove funds from my bank account. 

Today, I received a notification that all my disputes were closed and that I would receive {$600.00} back on 28 disputes. I filed over 600 disputes last week for over {$23000.00}. No one can tell me where the other 570+ disputes went or the almost {$23000.00} still missing went. They keep bouncing me between departments. Every agent 's answer is you need to member services or you need to speak with the dispute team. Don't even get me started on the online chat support. I went through 9 agents before someone got me to a supervisor. They had " technical issues '' and dumped me on another person. I used to love Chime but this is awful. I spend hours everyday trying to get them to help me and all their agent do is read scripts to me. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I submitted my employment verification forms for my PSLF forgiveness. After speaking with a customer service rep, I was told it would take up to 30 days to process and apply the paperwork. After 30 days have passed, I called to check on the status and was then told it could be up to 90 days and that they would get to my account/paperwork when they could. This is unacceptable as the deadline for resuming payments and interest are quickly approaching.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
My wife used her 0 % apr and interest card to pay my {$3300.00} I owed on my Capitol One card in XXXX. Capitalone cashed the check on XX/XX/XXXX. However, they didn't take it off my card. I paid on my card until XX/XX/XXXX and they still had it pn my credit which was killing my utilization of credit so my credit score kept going down. I called and spoke with them about it and they told me they didn't get the check. My wife 's bank immediately faxed and mailed them and us a copy of the check front and back. Capital one would not freeze my account until they found the check they said. Once we and the bank sent all the proper paperwork via fax and through mail they still kept saying they didn't get it. I called them 4 times the bank sent the info so did we and they still as of XX/XX/XXXX didn't get any of this paperwork. They kept this on my credit score and it still is on my credit today even after a 3 way call between the bank that took the balance transfer over, capital one supervisor, and my wife and me. Yesterday was now the 4th separate time us and the bank have sent them the check and papers needed. They still are saying they didn't get it through mail or fax. 
To make things worse on XX/XX/XXXX they credited my account the amount of the check and my account was in the negative. So I started using it a little just to keep it around 10 % utilization. My credit got back up to XXXX then on XX/XX/XXXX they the XXXX back on my credit balance as being sue. That pushed my credit usage almost {$1000.00} over my {$3500.00} limit. So I called them again they said it's because they never got the copy of the check. So now my credit card is around {$4300.00} and my minimum payment is {$410.00} a month. Which I told them I'm not paying a dime on any of it because they are incompetent. My credit score is now at or below 500. They sabotaged my credit and my life because I needed that card to pay a lawyer for his services now I can't. They have done or reputable damages to my credit charged me thousands of dollars in interest and fines and someone needs to do something about this. They have damaged my reputation with my lawyer and others and have made me spend countless hours trying to get all the paperwork together and trying to talk to them on the phone. I can't get that lost time with my kids back. What can y'all do for me because the Attorney General is next and a lawsuit if I don't sue them anyway. Any paperwork y'all need showing proof and the other bank can vouch and give you there receipts when they faxed it. Thank you for your help and please if anyone is reading this never get involved with Capitol One. I have been a customer for almost 5 years and never missed a single payment now look how they ruining my life and credit!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 2023-08-28
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a balance of {$780.00} in my Venmo account. Venmo, without notice, froze the monies in my account and it is all the money that I have. They are telling me it will take up to 10 business days to release the funds in my account. I have uploaded the requested documents and have been more than forthcoming with Venmo. I belive Venmo is stalling so they may collect interest on the account please help me recover my funds that are stuck in the account

Company response to consumer: Closed with monetary relief