BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket Mortgage has been harrassing me with constant calls to refinance my house. I have had more than 4 calls in 3 days and eventually I answered in the desire to stop the harassment. Unfortunately, the mortgage banker I spoke with, XXXX, was a high-pressure mortgage banker and he tried to pressure me into a decision immediately. When I mentioned that I would discuss it w my financial partner he asked me if I was confident that it would be the right decision trying to emasculate me and pressure me into refinancing even though it was at a higher rate with little benefit to me the borrower. The gravest part of my complaint is that he asked about exploring the options for a refinance but did not indicate he would do a credit inquiry that would damage my credit score. He was deceptive, rude, and unprofessional. I contacted Rocket Mortgage to file a complaint and ask that I stop receiving marketing calls. The representative removed me from marketing calls but indicated that the credit inquiry was valid despite me not receiving the information that the credit inquiry was a hard hit to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is a follow up of the previous CFPB complaint I submitted to the Credit bureaus requesting the removal of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File. I also sent another Dispute letter last XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed accounts and information from my Credit File, My dispute letters has complete attachments of my personal information as well as the IDTHEFTREPORT I received from the FTC. I have been disputing for the removal of the fraudulent items and yet the Credit Bureaus have done nothing. Once again, I need the following accounts and information removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX CT XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX A XXXX, MO XXXX XXXX XXXX  CT XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00}

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 2020-07-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I am unable change the location of direct deposit of my USAA annuity because USAA will not give me instructions. There are no instructions on the website. I spent two hours on the phone with reps XXXX XXXX, XXXX XXXX, and XXXX, and was never able to get instructions how to change the location of direct deposit of my USAA annuity. XXXX gave me instructions how to link my credit union to USAA but did not give me instructions how to change the location of direct deposit on my USAA annuity. 
USAA can not use corona as an excuse for the slow service because their service has been slow for 13 years and why I closed my account with USAA 13 years ago. I would cash out the USAA Annuity and be done with USAA for eternity but the contract does not allow cash out. Please help me to get USAA to do their job and give me complete correct instructions how to change the location of direct deposit of my USAA annuity. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have my final mortgage payment today. I am also a deposit customer of PNC. I couldn't make my final payment online, so I called in. They told me that they have to either fax or mail me a payoff statement and that my only options to pay my mortgage off were by cashier 's check or wire transfer. This is not an early payoff ; it's just my last payment. I asked for other options since my payment is due today and I can not wait for a payoff letter, nor can I have one faxed. The agent, XXXX, told me those were my only options. Even though I maintain a deposit account with PNC, I could not just make the payment to them digitally or over the phone. I have to physically go into a PNC branch, have their payoff department fax a payoff statement, and then submit a wire transfer ( to my own bank ) for the payoff. It's 2021 and they are still processing mortgage payoffs like we did in the XXXX. They offer no other options other than forcing me to take time off work to go to a branch and handle this in-person, during a pandemic. If I waited for them to mail a payoff statement, the payment would be late. This is incredibly customer-unfriendly, and it seems they're purposefully making the process of paying off a mortgage as troublesome as they can. I asked to speak to a supervisor and was denied and told they will just tell me the same thing. I asked to file a complaint and the agent told me she took my compliant, but couldn't give me any kind of confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital one Bank accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but have been paid and it should no longer be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

ADD ACCOUNT NAME, ACCOUNT NUMBER AND THE LAWS EXAMPLE : 1. XXXX XXXX XXXX Account Number:XXXX, has violated my rights. 
2. XXXX XXXX XXXX - Account NumberXXXX, has violated my rights. 
3. XXXX XXXXAccount NumberXXXX, has violated my rights. 
4. XXXX XXXX XXXXAccount NumberXXXX, has violated my rights. 
5. XXXX XXXX XXXX XXXXXXXXAccount Number : XXXX, has violated my rights. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate 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 an 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. 

Please delete these accounts off my credit report IMMEDIATELY and update of late payments to a positve status.

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 2017-04-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian has submitted and maintained known to be false and clearly erroneous information on my credit report concerning my address, a item of information that must be correct for many banks to open an account for a consumer. 

Specifically, Experian has maintained that I live at " XXXX XXXX XXXX SD XXXX '' for a number of years and as a result of Experian 's failure to correct these records, a violation of federal and state laws Experian has effectively locked me out of the financial services market because I am unable to provide any bank with a " proof of address '' that matches " XXXX XXXX XXXX SD XXXX '' and further, any bank that does a consumer application to credit report address check would deny account opening because the addresses would not match. 

I have attached proof of this and ask that Experian immediately remove this false information, reply to me with a full report on why this information was allowed to be on my credit report and include the contact information of the reporting financial institution, as well as resend my credit report to all financial institutions who inquired upon my report within the past 6 months.

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 2021-12-29
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Water bill for city of XXXX was was unpaid as we were moving from XXXX to XXXX and account was referred to Ability Recovery. Bill was paid in full to City of XXXX but agency keeps trying to recover fees from me. Threatened to report me to credit bureau and hung up on me. Collector gave her name as 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 2023-03-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXXXXXX shows two late payments in XXXX. Account was paid in full and closed 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 2023-05-03
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:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/ 2022 account # XXXX a XXXX account was opened under my name without my knowledge or consent and was used and left a {$490.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TekCollect Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, 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:
I viewed my report and discovered there were unverified accounts. I reached out to bureau and it was not corrected. here is the item : XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: TN
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:
I have filed disputes with all three credit bureau 's and XXXX regarding a collections account showing on my credit report. That account has been paid in full and closed. I have a letter from XXXX stating as such - but my disputes continue to be declined with the following reason : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I most recently refiled disputes on XX/XX/22 and it was processed the same day with no resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: KS
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute a specific account in my credit file that does not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this remaining erroneous account immediately. 

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 2023-03-25
Company: Experian Information Solutions 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:
hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, XXXX pleasseeeeeeee its been over 198 days still no response from them.

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 2022-04-29
Company: EQUIFAX, INC.
State: IL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: WELLS FARGO & COMPANY
State: MN
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:
XXXX and Wells Fargo I didnt asked you to go in and Enter included in bankruptcy on Wells Fargo XXXX I have disputed this with XXXX and Wells Fargo and both of you guys fail to do a proper investigation based on XXXX credit report the bankruptcy was filed XX/XX/XXXX here we in the year XXXX and you trying to cover your XXXX and enter the requirements ive included in bankruptcy violating the FCRA both of you have been notified to start legal action. Remove the Wells Fargo account in its entirety and send me an updated credit report I dont care which one of you remove it but it needs to be removed see file of when it was at it! I attached a copy of the credit report into documents showing there is no XXXX XXXX reference anything about it could you please resend me the copy of the report that has been attached and highlight where or of if you see anything regarding a discharge XXXX  XXXX and I do exercise my rights under FCRA 609a ( 2 ) to request you to return the copy of the credit report thats attached to this complaints/ dispute Thank you 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 2023-01-26
Company: Experian Information Solutions Inc.
State: MN
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 found that my credit report included a credit card and address that did not belong to me. A person in the state of New York with the same name and birthdate has this address and his bad credit is affecting mine and Ive been unable to clear it up with the original credit card holder, XXXX  XXXX XXXX ( XXXX ) card in the amount of {$4900.00}. They also would not update my report to remove the New York address despite the fact that Ive never lived there or visited the state of New York. I have a pile of documents to prove that this is not me but all 3 credit agencies will not clearly tell me what to do to remove the credit card and address from my report. This is negatively affecting my credit and has for more than a year.

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
I have sent 4 letters via XXXX mail with tracking to Transunion to dispute inaccurate information from multiple creditors. Transunion has yet to provide any follow up or information about such investigation requested. The first letter being sent XX/XX/XXXX requesting a investigation into inaccurate accts. It is now XX/XX/XXXX, 4 months later and I still have not received anything. I sent a second letter XX/XX/XXXX and the latest letter being since XX/XX/XXXX. The same letter were sent to the other XXXX XXXX 's ( XXXX and XXXX and I received responses and was also successful at removing many inaccurate accts. I have also sent copies of this information as well to Transunion and still not response. I was able to call Transunion and was not able to speak verbally to anyone, but was able to chat with a rep XXXX where she confirmed the letter were received, and that there is a investigation. I asked why is it taking so long when the law requires 30-60 days for an investigation and its been 4 months over 90. In the meantime, Transunion has updated more inaccurate information from the same accts that are being disputed and removed by the other Companies. How is this okay if the same information is reported to all berueas. THey are allowing these companies additional time to conjur up information that is not being reported or update with any other the credit reporting agencies. I feel that is not transuions place to give passess to companies and the information that is reported. They should beable to provide an update in the investigation i requested if its taking more than 30 calendars days to 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 non-monetary relief
Consumer complaint received 2020-07-29
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC does not allow transactions with companies that use XXXX the mobile transfer service. I have a lot of money in two different apps and I am unable to access it via my checking account due to this issue. The third-party apps insist the bank must make this change, yet the bank blames the apps for using XXXX. 

I did not know I could file a complaint about this issue, but one app XXXX   suggests its users contact the CFPB. 

Thank you for reading, and please help customers like me who are having this problem.

Company response to consumer: Closed with explanation