BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: IOWA BANKERS MORTGAGE CORPORATION
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I was contacted by an employee of the Iowa Bankers Mortgage Corporation about my VA XXXX loan that I requested a forebearence on in XXXX, XXXX. I submitted a complaint in XXXX, XXXX because I had continued to receive threatening mailings from Iowa Bankers Mortgage Corporation that stated my loan was delinquent and that I may be foreclosed on if I didn't act. The mailings also showed the corporation charging me late fees for my forebearence. I am unclear why I was called about this but it seemed to be about the collection of a debt though that was never told to me. I was also asked personal information about my financial situation and my and my plans moving forward. Since my forebearence was granted by the CARES act, I don't believe any of these questions or the phone call itself was legal or appropriate. I believe it was an attempt to intimidate me for having exercised my rights as a consumer to make a complaint about their corporation. The phone call ended when I agreed to receive another phone call next month from a debt collector to assess whether or not I still need a forebearence. Overall, the tone of the phone call was condescending, intimidating, and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am writing to file a second complaint against Citibank related to the ongoing issue with the handling of my accounts. After the closure of my initial account, as detailed in my previous complaint, I opened a new account with Citibank in order to provide an alternative method for depositing my funds. This was done in an attempt to find a resolution to the distressing situation of a significant ACH payment being held in limbo due to the unexpected closure of my first account. 

However, I am now facing a new, serious issue : Citibank has unexpectedly closed my newly opened account, without any clear explanation or warning. This action took place after I had transferred approximately {$1000.00} into the account. Moreover, Citibank has locked me out of all my associated accounts including my checking, savings, and brokerage accounts, essentially seizing my funds without my consent. 

This action by Citibank has not only disrupted my access to a significant amount of my personal funds, but it has also hampered my ability to manage my daily financial activities and investments. The inability to access my own money is causing me emergency financial hardship. 

Upon contacting Citibank multiple times on XX/XX/XXXX at XXXX EST ( with XXXX XXXX and XXXX EST ( with Fiel ), again on XX/XX/XXXX and XX/XX/XXXX, and through their online support panel ( with XXXX ) on XX/XX/XXXX, I consistently informed Citibank about my new account. Despite these interactions, at no point did they express any concern or provide warning that the new account would also be shut down. 

This escalation is completely unjustified, especially given that the initial misunderstanding that led to the closure of my first account was clearly explained and earnest efforts were made to rectify it. Citibank 's actions have caused significant stress and inconvenience. 

I kindly request your assistance in investigating this matter and helping to restore access to my funds and accounts as soon as possible.

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 2022-06-15
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was told I was behind on my escrow account and taxes. My home insurance was cancelled without my knowledge, however, I received a letter Saying they cancel it due to default. I called my mortgage company ( rocket mortgage ) to see if I can keep my mortgage rate the same and I was told by XXXX, a representative there that I would have to pay XXXX. Dollars. I paid this and my mortgage bill which was XXXX. However, a couple of days ago I am sent a email saying my mortgage is XXXX, I wrote to this company before and didn't receive any help last month, it was about 2000 rocket mortgage trying to make me pay every month. Why did I pay XXXX to keep the payment down. But it still with up. I am charged almost XXXX for home insurance by rocket mortgage, but I had insurance through XXXX XXXX that was canceled through their neglect, once my home was burned down. This is unethical because, every year they try to find a way to rise my mortgage payments. I am A XXXX percent XXXX veteran that doesn't suppose to be paying taxes. And my Escrow account is not being properly used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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 ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX : {$0.00}

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 2018-04-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is for XXXX XXXX being a slum lord, which has cost me nearly a million dollars on their behalf, to do repairs to a house they claim to own ( although I learned they actually illegally foreclosed on it. ) They have repeatedly tried to illegally evict me from this house, and for 4 years have ignored their management responsibilities as a landlord, have not honored my lease ( contract ), and have forced me a tenant to foot their nearly 7 figure repair bill.

The total due to me exceeds a million dollars, including amounts in a separate complaint for attorney fees & costs, for them trying to illegally evict my family repeatedly.

See attached for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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:
After carefully reviewing my credit file. I am concerned with some items you are reporting for Account Number XXXX and Account name XXXX XXXX XXXX XXXX date opened XX/XX/2017. I am aware that under the FCRA 15 U.S. Code 1681 e, Compliance Procedures. B. ) Accuracy of reporting shall follow reasonable procedures to assure maximum possible accuracy. All three bureaus are reporting different account status, balances, payment history, closed dates, last activities, high balance, etc. Please correct these inaccuracies or remove this account 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 non-monetary relief
Consumer complaint received 2023-05-13
Company: EQUIFAX, 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 my six attempts 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following items are inaccurate please remove:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$27.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This XXXX XXXX is currently showing 30 days late way back XX/XX/XXXX and XX/XX/XXXX and 60 days late in XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX  XXXX XXXX Balance : {$130.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00}, XXXX XXXX XXXXXXXX Balance XXXX -, XXXX XXXX XXXX XXXX XXXX XXXX : {$100.00}, XXXX XXXXXXXX Balance : {$570.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX XXXX : {$2400.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$690.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed this account with the XXXX XXXX XXXX  on XX/XX/23. This is not my account and I did not open the account. I am not responsible for paying the account balance. I had other information on my account that was fraudulent and was removed along with wrong name variations that I have never used. I can't understand what experian received that the other two agencies didn't that they decided not to remove the account. It is as if they didn't really investigate the account. I have never received any written or phone contact from this company regarding this account.

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 2023-07-12
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I leased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, Illinois on XX/XX/XXXX. When I leased this I did so in order to get the {$7500.00} tax credit rebate from XXXX that was not available if I purchased it. This was super transparent with the dealer upon purchasing. The terms of the lease were to be favorable if I bought out the lease after completing the deal. In fact, there was discussion with the sales manager XXXX regarding money factor on the lease and how it was important, I explained I did not intend to take the lease to term so the money factor was not important and she agreed. When talking through the contract with the finance manager at the dealer, I specifically asked with my XXXX as a witness that if I was to buy the car from the finance company immediately after purchasing what the cost of the car would be - the capitalized cost plus the early termination penalty or the cost of every lease payment plus the depreciated cost at the end of the lease. The finance manager looked at me square in the eye and said that the cost would be the capitalized cost not the cost of every lease payment. The issue of course is that if I had to pay the cost of every lease payment upon early termination then I was paying for the lease financing I was not taking advantage of. When I went to buyout the cost of the car, it was explained that it was the depreciated cost at the end of the three years plus the cost of every lease payment, exactly the opposite of what I had negotiated with the dealer. They lied to me as I was signing the paperwork. I attempted to contact the dealer and XXXX with no resolution. The dealer refused to acknowledge what they had told me during the process and they could not help. Other dealers are refusing to buy it back for a fair price that they can get via the XXXX XXXX XXXX. What I am looking for is for XXXX to take back the car. I am done with them and their deceptive dealers. XXXX XXXX should be ashamed of itself, and so should XXXX for having dealers like that.

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 2021-12-08
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 received my credit report Experian on XX/XX/2021 with a few unauthorized accounts still showing on my report after several letters have been mailed to you!! I am enclosing a copy of my credit report with the incorrect data highlighted. I have also included court documents that shows that the XXXX account has been dismissed! Why would this account be dismissed if the account was accurate! XXXX has sent me a letter stating that it is a fraudulent account and requested that you update my credit report. I attached that letter creditor verifying that this information on my credit report is inaccurate and should be removed from my credit file. 

I have also enclosed a copy of the letter for you to review. I also have an account showing on my credit from XXXX XXXX XXXX that you report stated was verified from the company. Before contacting you, I reached out to them also and they sent me a final bill. I informed them that they are breaking the law and I hope that you have not taken that same bill and verified my debt. According to the FCRA 15 U.S. Code $ 1681a ( 3 ( e ) it clearly states such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know where did you go to verify this debt OTHER than XXXX XXXX XXXX. 

If you don't remove these false accounts, then you will be held liable, and I will take further legal action to ensure that I am monetary compensated for all the stress and denials that I have received due to this false reporting. My children and I don't even have a decent place to live because of these two accounts and I need them removed immediately. This is my fourth attempt to get these false accounts deleted from my account. I know that you have received my letters because I have also included in my attachments where one of your representatives signed for the mail certified. 

Please take the time and read through my documents and send me legal proof of why these items are still showing on my reports. Thank you for your time and help in

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 2023-07-12
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume no evidence of the XXXX XXXX therefore exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: U.S. BANCORP
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date XXXX A number called and said we were 30 days past due on our business account credit card. We had paid the card off and even got online to check and it said nothing due account all caught up. So we said we were gon na hang up and call the bank ourselves and verify. She then gave us a number for us to call us bank but apon doing a XXXX search the number took you to a page that no longer exists. We called the bank and they verified we owed no debt and said it was a scam. We called the number back and it said thank you for calling card member services. The numbers are XXXX & XXXX. Thanks

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 2023-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 

I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the Thank you for your assistance in this matter, __________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This is unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and severity of not taking my situation seriously. It has cause financial injury and defamation of character along with 43 plus days of no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200000.00}

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 explanation