BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Someone gave me a check of {$1900.00} dollars that was bad. I immediately put money in to cover that bad check, Huntington National Bank then locked my account and when my social security was direct deposited into the bank, they closed the account. So, Huntington has all my money and my only main source of income. I told Huntington That i ran out of meds and was nearly evicted but they continue to hold my all my money. I believe they only have XXXX hours to hold my social security and tomorrow will be XXXX weeks. As my only source of income have been trying to find a way to live. 

I filed XXXX XXXX reports and have my Senators following up. I even wrote the board of directors, but no response. I will write another XXXX report tonight. Being on XXXX and social security is my only source of income beside my XXXX hour a week job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went through Rocket Mortgages online service to inquire about refinancing with cash out to me. I was " approved '' to refinance at 2.99 % with roughly {$25000.00} cash out. Almost immediately, I started texting with XXXX XXXX at Rocket who confirmed some of the information and relayed terms to me. I submitted the documents requested in a timely manner. Then more documents were requested. Then more documents were requested. Then I was told my rate lock expired less than 7 days after my application and rate were tentatively " approved ''. I was also told that there was no appraisal needed. 

Today, after telling XXXX I was going out of town from XX/XX/XXXX through XX/XX/XXXX ( yesterday ). Upon my return home, I submitted the documents listed on my " to Do '' page. Also, on XX/XX/XXXX, I emailed XXXX XXXX about an email I received that now indicated I would need to bring roughly {$1300.00} to closing and would also need to submit additional documents proving I could do that. They wanted 90 days of bank statements which I had previously provided. It should be noted that I was originally informed I would be getting cash out, not paying to refinance. 

On XX/XX/XXXX, after raising questions about the change on the closing documents requiring me to bring cash to closing after noting in any of the information provided changed from the beginning of this process, I was told I would need to pay {$500.00} for an appraisal as a condition precedent to closing. Upon inquiring about this, XXXX XXXX emailed me saying I had to go through a different program because of a decline in my income. I found this very disturbing as my phone call prior to leaving town was explaining to him why my income increased so much over the past year with specific reference to the documents provided to Rocket Mortgage. My income did not decline, it increased. 
Quicken should have changed its name to Racket Mortgage instead. This ordeal was worse than buying a car from a used car salesman. Every time I turned around the terms were changing, " expiring '' or more information was needed, most of which had already been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: WI
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:
Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 i sent you letters about a lot of inaccuracies on my credit report, but I still havent received any response from you. I need my credit report to be cleared from all these errors and i am begging you to clear off stuffs that should not even be there in the first place. My information might have aslo been affected by XXXX data breach so please go and investigate.

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 2018-11-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I dont believe my credit score is a fair representation of my abiity to pay my bills. It is under 500 and this makes it very difficult to get a low Intererst loan, I can not seem to win, no matter what I do, recently I was forced to pay over200 % interest. I : will pay the balance off way before the end date, but it is ridiculous that I am paying that rate. I need to refinance a car I am paying 19.99 % interest on, but with my credit score which is the first thing a potential lender sees, they write me off without even looking at my report. I ; have very little debt, and credit for that matter. I realize it doesnt help that my only 2 credit cards are over the limits and currently late, I have been ill, and my daughter has been paying my bills for the past few months. I have always paid what I owed, even if the card or debt was charged off, how can this help me. My student loans are my only significant debt and they are in forebearance and will most likely be forgiven because of my XXXX. I havent been able to use my very expensive degree and where do all of these loans that I take and payback in a timely manner at a horrendous interest rate show up, I should get points for those, it just doesnt seem fair at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Happy XXXX XXXX to you and I hope your day is going well. My information is inaccurate across the credit bureaus. The other bureaus are showing nothing for these accounts and everything supposed to be the same. I am a victim of identity theft. Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complaint myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: KS
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-09-07
Company: MARINER FINANCE, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I tested positive for XXXX the end of XXXX and it caused a lot of medical issues for me, and I could not work. I was receiving STD through my employer for 6 months, but that ended the beginning of XXXX. I am no longer employed because my employer did not provide accommodations for me to return part time or from home. I am unable to work full time still because I am still dealing with debilitating medical conditions. My insurance through my employer ended in XXXX. I explained to Mariner Finance that I am not on STD anymore and I am not receiving unemployment or XXXX yet. I an still waiting to hear back. I called and explained this to Mariner Finance and they were very rude to me and did not work with me. They said I need to fill the XXXX form out, but I am not longer on STD nor do I have insurance. It is not my fault that this pandemic happened and I got sick. AND it is also not my fault that I am unable to work. I do not appreciate being treated this way. I feel very discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Monarch Recovery Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company named Monarch Recovery called my place of employment, this a number I never give out as I work as an XXXX in a XXXX XXXX XXXX XXXX. They asked for the last four numbers of my social security, which I did unfortunately share with them. They stated that I have a large debt of about {$34000.00} from a hospital called XXXX XXXX. I live in Texas and have never been to XXXX, FL. The person apoligized to me and hung up. I then tried to recall and another person tried to ask me the same questions, but when I asked how they accessed my phone number the person hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To It May Concern : Few months I applied for XXXX XXXX credit car and the XXXX XXXX issue by CITYBANK. 
once I received my rejection on the regular mail. 
I opted to call CITYBANK and I asked to speak to a manager. 
There were no managers available and my call ended up somewhere in XXXX. 
the City Bank 's XXXX rep told me that I the reason it was denied according to CITY BANKS Collection via XXXX I have filed for Bankruptcy in 2000. 
I explained that is not even possible since I just file for a non conventional loan to a conventional loan and if that would or was the case, my current loan would not be possible. 
the I ask to speak to a CITY BANK  manager in the U.S.A. and I was told that my BK was not anymore in any credit agency. 
I told City Bank  manager that why ; If I had filed for Bk why is it still posting since I according the XXXX XXXX City Bank Bk was file 2000? 
The last week I received an invitation to apply and again, it shows that I have filed for BK? 
this is erroneous information and being reported by City Bank and their collection firm in 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 2023-08-18
Company: Experian Information Solutions Inc.
State: NC
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 explanation
Consumer complaint received 2022-12-21
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under XXXX Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: VA
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 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 explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2021-09-07
Company: Credit Control, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Specifically on XX/XX/27 and on XXXX, but the secretaries report that Credit Control rudely tried to contact me throughout the summer even when I was not at school. Credit Control called both my XXXX XXXX XXXX and XXXX XXXX. A woman by the name of XXXX XXXX, in particular ( XXXX ) was giving both secretaries a hard time about trying to reach me even though I am an XXXX XXXX and can not receive personal calls of this nature.

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 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 think someone tried to use my information to purchase credit cards. And Im not the person that applied for it. I would like to have all inquiries that i didnt put on my credit report deleted.

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