BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a mortgage loan with Rocket Mortgage. I requested a modification to the title because of an boundary line adjustment. The title company required a modification. They won't process the modification unless I refinance the loan. I paid for the additional land with my own proceeds and do not require a loan for the additional property. 

This has significant financial implications. The cost to refinance is close to $ XXXX and would require me to restart my loan to Year 1. I don't have the means to shorten my loan to 15 years. So I will now have to pay more interest and increase the balance of my loan in exchange for a simple modification to the title showing a new boundary line. 

What should be a simple modification to the title to show that my lot has gained 75 feet -- it is literally moving the line on the map plot. There is no risk to Rocket Mortgage, in fact, the value of the property appreciates due to the addition of more land. 

People should not be forced to change their entire financial plan, go further into debt, to accommodate this type of policy. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Venmo tells me these transactions were denied. I will provide screenshots from my bank and you can clearly see all the {$200.00} transactions went through. Venmo tells me they did not, they will not write me back and none of the following transactions shows up on my Venmo.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Self Financial Inc.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear SELF/LEAD BANK ( Account # XXXX ) I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit reporting agencies are still displaying inaccurate information on my credit report. Specifically, one account that was previously removed by another credit consulting bureau is still being reported by XXXX and XXXX. Furthermore, despite filing complaints with both agencies, they have failed to provide a satisfactory resolution and have instead chosen to close the cases after a mere 30-day period. This partial and bias approach to credit reporting raises concerns about the accuracy and reliability of the information maintained by these agencies.

Company response to consumer: In progress
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-06-27
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:
I previously filed a report ( XXXX ), where XXXX failed to removed the derogatory late marks on my credit. XXXX is reporting on two separate accounts that I paid late, except they failed to investigate that both lease agreements were on autopay and any late payment would be due to a XXXX clerical error.

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 2023-06-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I owe approximately {$7100.00} on my Wells Fargo Home Mortgage. I have an amount well above the amount owed held in an account with Wells Fargo Advisors. I have been trying for weeks to move the money from the account to the mortgage to cover the past due amount and every single time I call I get a new answer. I've opened up a new brokerage cash services checking account, and told funds would sweep overnight for me to transfer, the account is opened but nothing happened. Meanwhile I continue to receive letters, phone calls, etc that I am in default on my mortgage. This is really scary to me and frustrating because I have the money in Wells Fargo but due to the department silos the mortgage folks can not apparently see that. I need to get this resolved asap. I was promised a call by the " executive resolution team '' last week XXXX and have yet to receive this call yet the issue continues to remain unresolved. This is causing me a tremendous amount of stress. I was unemployed for a period of time, and I am reemployed now. I need to make this payment asap, but keep going in circles and can not get anyone who can help 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 2023-06-27
Company: Experian Information Solutions 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: Information belongs to someone else

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  Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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 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 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 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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
I have XXXX issue with XXXX XXXX XXXX  inquiry account.First at all I always pay my credit card on time but unfortunately I got XXXX delinquent account I dont recognize at all its made my credit score down since XXXX months I tried too many time to call them I mean XXXX XXXX XXXX but nothing resolved for remove it The item appears on my credit report since XXXX  and the balance is 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 2023-06-26
Company: Experian Information Solutions Inc.
State: OH
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:
there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : -XXXX XXXX # XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} -XXXXXXXX XXXX # XXXX -XXXX XXXX # XXXX {$800.00} -XXXX # XXXX {$0.00} -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 2021-05-10
Company: EQUIFAX, INC.
State: PA
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 Went to go purchase a house with my wife and and when we went to apply for credit I found out that I had alot of stuff on my credit report that didn't belong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 or around XX/XX/2021 I contacted Transunion, XXXX, and XXXX about the inaccurate accounts, inquires, installments and public records that are reporting on my consumer credit report. After contacting Transunion, XXXX, and XXXX, the inaccurate information has continued to be reported. Transunion, XXXX, and XXXX is in violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), ( 12 CFR part 1022 ) regulation V ), and have committed copyright infringement. Also Transunion, XXXX, and XXXX has continued to violate my right to privacy under ( 15 USC 1681 ( a ) ( 4 ). All concerning documents have previously been sent to Transunion, XXXX, and 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 2023-07-04
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX was forced to make a payment. She was misled, bullied, intimidated and threatened to make a payment of XXXX in XXXX 2022. Carrington Mortgage told XXXX XXXX that she would be put out of her home if she did not make the payment. XXXX XXXX was terrified if she did not make the payment. Each time she spoke with Carrington Mortgage, she told them she was working with XXXX to get help with her mortgage. Carrington mortgage knew XXXX XXXX had to be behind to qualify for assistance through this program. That is why they bullied her into and forced her to make a decision that would greatly benefit Carrington Mortgage and have a financially adverse impact on XXXX XXXX. Carrington Mortgage is and was purposely withholding vitaI contact and communication from XXXX to clear your authorization. They will not acknowledge pertinent information that will benefit the borrower including information from you. Once again, XXXX XXXX was forced to complete the paperwork, she was told she would be put out of her home. Please help. XXXX XXXX would greatly benefit from the XXXX towards her mortgage and the low interest rate she had. Under the loan modification, XXXX XXXX payment has increased almost XXXX and her interest has nearly doubled, and additional XXXX years. XXXX XXXX has been in her home for almost XXXX years. She would have had XXXX more years to pay off her mortgage. She has been paying her mortgage for almost XXXX years. With the new refinance agreement Now she has to pay for an additional XXXX years with double the interest rate, which is a XXXX year total mortgage. They have tricked her into a XXXX year mortgage. This is blatant, textbook predatory lending practices. Carrington Mortgage conducted this process fraudulently. Carrington knew XXXX XXXX was harmed during the Covid 19 pandemic, they also know the new terms are financially detrimental to XXXX XXXX. It appears as if XXXX is working in concert with the mortgage lenders to take XXXX XXXX home. XXXX XXXX is no longer working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: FL
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:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I understand that you probably are getting thousands of this type of letter every day and may find it hard or impossible to work on them all. So, I am giving you another chance to do what is right. You are in VIOLATION of my rights as a consumer as clearly stated in Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), that you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. And so, I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. XXXX XXXX Late Payment {$920.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$75.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Collection {$78.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$310.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$11000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$730.00} XXXX XXXX XXXX Charge-off {$630.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Frontline Asset Strategies, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Frontline mailed me a letter validation with XXXX that was paid already years ago. And the billing statement on the bill is XX/XX/23. Haven't been with XXXX for years and I paid my final bill {$270.00}. My cellphone number was transferred over to XXXX and I've been with XXXX ever sense. Please see attached bill. And my XXXX XXXX XXXX XXXX XXXX payment to XXXX to close the account and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account online at CititBank ( last 4 of account number are XXXX ) and deposited {$30000.00} on XX/XX/XXXX in order to earn a {$500.00} bonus. The flyer that was sent in the mail about the bonus stated Its simple to earn your cash bonus. Open a new Citi checking account between XXXX  and XX/XX/XXXX. Within 20 days of opening your account, deposit the required balance in new-to-Citibank funds into the new checking account. Maintain the required minimum balance for an additional 60 consecutive calendar days. I did all of those steps and maintained the required funds until XXXX which was 70 days, 10 days longer than the required 60 days. I was supposed to receive the {$500.00} bonus 30 days after meeting the requirements. When I didnt receive the bonus, I chatted online with CitiBank with XXXX. She told me that she agrees that I met the requirements but she would have to put in a request to find out why my bonus wasnt applied to my account and she would email me the findings. In the meantime, my husband was dealing with the same issue on the phone and found out there is actually a maintenance period of 20 days before the 60 days is counted. My husband and I both read the flyer multiple times and there was no mention of the maintenance period on the front of the flyer. There were no footnotes or asterisk or anything about a maintenance period. We finally found that information on the back of the flyer in tiny print. I obviously would have held my funds there the additional few days had I been aware of the maintenance period but that requirement was so hidden most normal people would not be aware of it. Even their own employees arent aware of the maintenance period when you talk to them. They could have easily mentioned the maintenance period on the front of the flyer under the 3 simple steps listed but they didnt. I think this is deceptive advertising and almost fraudulent. Because of their deception, they enticed me into providing them with {$30000.00} of my money for over 60 days with no interest. So not only did I not receive the {$500.00} bonus but I also lost the interest on the {$30000.00} that I could have kept in my interest bearing savings account earning over 4 % interest. If there is anything that can be done to either get the {$500.00} bonus or recoup my lost interest, I would greatly appreciate your help. I would also like CitiBank to be held accountable for misleading customers about the requirements necessary to earn bonuses. ALL requirements should be listed on the front of the flyer so customers know exactly what they have to do to earn the bonuses. Burying one of the requirements on the back of the flyer in tiny print should not be acceptable. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation