BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: FL
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:
I received a copy of my credit report and noticed late payments on accounts that I was never late on and some charge offs. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the FAIR CREDIT REPORTING ACT clearly states. 
I have never been late on payments and did not provide written consent to report the account : XXXX acct. XXXX XXXX XXXX XXXX aact. XXXX XXXX XXXX acct XXXX XXXXXXXX please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. IF PROOF CAN NOT BE PROVIDED I demand these payments to be updated to on time as they should be as I was never late. Pursuant to 15 USC 1681 congressional purpose, talks about equity and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the origination of my team member loan with Rocket Mortgage XXXX : XXXX my escrow account was calculated improperly and the company failed to correct it which caused me to miss my closing date. Multiple contacts were made with the company, my requests were actively ignored. My closing date was missed and additional costs were incurred due to the Rocket taking additional time to correct their mistake with the escrow account collection amount. 

I'm 1 year into servicing with Rocket, and I was notified my escrow account analysis occurred which caused an increase in payment of {$500.00}. I called and spoke with a team member on XX/XX/2022 named XXXX who promised I'd receive a call back within 24 hours to explain the increase. I've not received a call back. The servicer is ignoring my requests to explain the increase and I can not afford to pay the increase. I don't understand why there was an increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
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:
I received my credit report on ( Date ) and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I have already reached out the the credit bureaus about this multiple times and they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that do not have any purpose to be on 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 2017-03-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX I sold my house which was under mortgage by Bayview Loan Servicing. The payoff request/statement received from Bayview on the day of closing did not include the last payment that was made on my mortgage ( {$880.00} ). The title company responsible for the closing called Bayview and was told that the last payment had not been included in the payoff statement due to insufficient time between payment being made and payoff request being requested. I was informed that the overpayment would be returned within 21 days. 
It is now more than two months since the closing and I have not received any funds back from Bayview. 
When logging on to my Bayview account online it states that the last payment received was XX/XX/XXXX. This is the date when the second to last payment was posted. So it seems like my last payment which cleared on XX/XX/XXXX, is missing from their system. 
In XX/XX/XXXX I had a similar experience with the same mortgage company. All payments were made on time but still Bayview claimed that one payment was missing. I provided documentation of all checks to them clearing the bank, but Bayview refused any wrongdoing. After I filed a complaint with the Consumer Financial Protection Agency they finally admitted that the mistake was on their part and that they accidentally had posted one of my payments incorrectly. The funds was finally returned to me. 
It seems to me a similar situation has occurred again. I have documentation that the last check on my mortgage cleared on XX/XX/XXXX, but Bayview claims the last payment received was XX/XX/XXXX. 
Due to my house being under a bond for deed contract the mortgage payments have not been made by myself directly, but though a company called XXXX. XXXX have provided me documentation of the last checks to clear the bank. This will be attached to this complaint. 
I am surprised and appalled that a mortgage service company can do this kind of mistake multiple times and wonder if it is due to incompetence or if the company is trying to defraud their own customers for personal gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2015-05-28
Company: Assigned Credit Solutions
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collector trying to collect for a hospital XX/XX/2010. My husband has never been associated with this hospital for medical. We live far away from XXXX. Collector claims there are XXXX bills totalling less than {$300.00}. My husband is XXXX yrs. old on XXXX and XXXX for Life as an XXXX veteran. We rarely pay out of pocket for medical expenses as are fully covered by his military service. I was phoned this past week by the collector. Friday is the deadline if he does n't pay. We have no idea what the procedure was for or by whom in the hospital. We always pay our bills on time, so perplexed why we were never billed if legitimate. I wo n't pay this without not knowing what it is for itemized. Can you help us in finding out if this is legitimate? We do n't really know what to do without proof. We would gladly pay the bill if we knew what it included. Thanks.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-15
Company: The Outsource Group, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In the past two days, I've received three voicemails from Medicredit stating that I owe a past-due debt to XXXX XXXX XXXX, although I paid all of my co-pays directly to XXXX. I haven't visited the medical center since XX/XX/2018 and the last bill I received from XXXX was {$100.00}, which was paid in full to the medical center. Since then, I've gotten calls -- sometimes, daily -- that show up as " Account Services. '' Today, after checking my voicemail, I was able to distinguish a connection between some of the random phone numbers and Medicredit.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This account shouldnt be reporting late on my credit report as per the laws listed above, both them and youre agency are in violation and if they refuse to remove this late payment I demand the account be removed from my account entirely. Furthermore, Under 15 U.S. Code 1681e ( b ) Accuracy of report ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual in whom the report relates. Several laws are being broken in regards to my credit report and grounds for me to seek legal action. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must either remove or update the account so its are reporting correctly. Thanks for your help with this matter.

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 2021-08-20
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Between XXXX XXXX  XXXX and XXXX XX/XX/XXXX, I received sign-up bonuses from CitiBank for various promotions related to the AAdvantage Platinum Select card product. The details of these bonuses are shown on attachment ( 01 ), with additional attachments ( 02-13 ) showing statements with CitiBank and XXXX XXXX awarding each of the bonuses as a result of completing the terms of the promotion. 

On XXXX XX/XX/XXXX, CitiBank 's co-branded partner XXXX XXXX terminated my AAdvantage account XXXX, confiscated XXXX AAdvantage miles ( including the miles awarded per the above schedule ), and cancelled three existing flight itineraries ( see attachment 16 ). The reason given in a follow-up email on XXXX XX/XX/XXXX indicated that the sign-up bonuses were obtained fraudulently : " The investigation determined your involvement in multiple violations of the General AAdvantage Program Conditions. These actions specifically involve abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions. These restrictions are outlined in the promotional bonus terms, and at the top of each application page. '' It is false that restrictions of this kind existed during the time that I applied for the cards which awarded these bonuses. See attached document ( 14 ) for an example of the application page presented, which clearly show that no such restrictions were included. 

For each card I applied for, Citi vetted and approved my application. By doing so, Citi confirmed that the applications, if approved, met all banking requirements and all requirements of Citi and XXXX XXXX. In each case where a sign-up bonus was received, Citi agreed that cardholder had met the spend requirements stated in the offer terms to receive the bonus, and Citi and XXXX XXXX issued the bonus AAdvantage miles in accordance with the terms of the offer. 

It is deceptive and unfair for CitiBank to present and advertise awards which are then rescinded by their co-branded partner, making them unusable and their advertised value worthless.

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 2022-03-17
Company: MARINER FINANCE, LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Since XX/XX/22 Someone has been using my XXXX Bank card making transactions to apple which have added up to XXXX my bank refused to refund me and handle this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2018, my Fidelity Rewards Visa Signature card was temporarily restricted by the Payment Risk Group at XXXX XXXX XXXX ( the organization who manages the card ). I called the payment risk group and spoke on the phone with XXXX. XXXX indicated that the reason for the restriction was that a large number of payments had been made using money orders. While we were on the phone, XXXX looked up the issuing bank/vendor for the money orders, verified that they were on an approved vendor list, approved the payments, and removed the account from restricted status. 

In late XXXX, the Fidelity Rewards Visa Signature account was closed by XXXX XXXX XXXX. I spoke with XXXX in the XXXX XXXX XXXX Payment Risk Group on XX/XX/2018. XXXX XXXX   direct phone number is XXXX. Per XXXX, my account was triggered internally by XXXX for review. XXXX refused to provide the reason for the review. XXXX indicated that as a result of the review being triggered, XXXX elected to perform a soft credit pull, and upon seeing that I had applied for other credit cards in the previous month, made the decision to close the Fidelity Rewards Visa Signature account. XXXX stated that XXXX considered the account to be a risk due to high usage, even though all balances had been paid in full by the statement due dates. 

The Fidelity Rewards Visa Signature card is agreed to have a 2 % cash back rewards component. On XX/XX/XXXX, I was notified by XXXX XXXX XXXX that a final statement was processed and placed in the mail to me, and that XXXX had elected to assess no cash back for the final statement, despite considerable charges being placed on the account. I disputed the decision, and as of XX/XX/XXXX, XXXX has refused to reverse its decision after multiple conversations on the phone. The amount due to me is {$1000.00}. 

XXXX refused to provide a reason for their initial decision to review the account, so their decision to close the account is not legitimate until a valid reason is provided. Further, the terms of the user agreement were still in effect until the time of account closure and XXXX is obligated to deposit the agreed-upon cashback amount of {$1000.00} into my individual cash account ending in XXXX. 

Thank you for your review of this case.

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 2022-03-17
Company: VW Credit
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I submitted a complaint # XXXX on XX/XX/XXXX to have Volkswagen cease from calling me with robo calls which I have confirmed with Volkswagen they received on XX/XX/XXXX. I received another robo call on XX/XX/XXXX and called Volkswagen to advise them to stop again. I then received another robo call on XX/XX/XXXX and called Volkswagen back to advise them to stop again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dear XXXX XXXX XXXX, Hello, I am contacting you to formally dispute the late payment charges levied against my account, specifically related to the late payments on my credit report for payments due in XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX for my Auto loan XXXX. I understand the importance of fulfilling financial obligations promptly, but I find it necessary to explain the circumstances surrounding the delay in payment. 

As you are well aware, the COVID-19 pandemic has had far-reaching effects on individuals, businesses, and the global economy. Unfortunately, my personal and financial situation has been significantly impacted due to the ongoing pandemic, leading to unforeseen hardships around those months.The pandemic had caused disruptions in financial stability, leaving me with limited resources to meet all my obligations in a timely manner at the time. I also called to get assistance with customer service in making payments to catch up on those obligations and those late payments were still placed on my credit report. 

I want to assure you that my intention has always been to honor my financial commitments, and this delay in payment is solely due to circumstances beyond my control. I have actively worked towards stabilizing my financial situation and have taken necessary steps to regain financial stability from that sickness, which has not caused anymore issues in my payments. 

Considering the unprecedented nature of the COVID-19 pandemic and its widespread impact and the Hero Act Section 110401, helping consumers not have adverse affects on credit reports due to the pandemic. I kindly request that you review my situation and reconsider the late payment charges on my credit report and fees. I understand the importance of maintaining a good credit standing and wish to rectify this situation as soon as possible. It would be greatly appreciated if you could waive or reduce the late payment charges and take them off credit report, which would significantly alleviate the burden I currently face.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: TX
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. 

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