BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
So last year XX/XX/XXXX I refinanced my home to get money out to fix on some things needed and my mortgage bank Rocket Mortgage and XXXX were both handling my payoff and 2 lien which was XXXX from XXXX. XXXX I was asked about the XXXX and I was told from Rocket Mortgage that the XXXX will be included paid off and still I will get XXXX in pocket, so I agreed because I wanted to get rid of the XXXX and have money in my pocket. So this year XX/XX/XXXX I decided to sell my house and buy another house. My realtor informed me that someone wanted to buy my house so I agreed of course and we did the necessary paperwork and Rocket Mortgage was also contacted as I was super excited to move on. Well the title company XXXX XXXX XXXX XXXX contacted me and informed me that Rocket Mortgage and XXXX never did what they said they did with the XXXX. Wow this was a nightmare that I never wouldve imagined so the title company contacted Rocket Mortgage and AmRock to find out that XXXX was just a notary company that serviced me when I refinanced my house and Rocket Mortgage wrote down some incorrect information on paper that wasnt true so when I confronted Rocket Mortgage my bank guy XXXX immediately said he dont know what happened because he dont deal with that department as I trusted him as my to go to person who was the one who put my refinance in motion and now he says she dropped the ball and so sorry because he thought the XXXX was paid in full as he and I discussed. So I closed on my former home XXXX XXXX and all I got was calls from Rocket Mortgage saying hey you need to pay that XXXX and payoff this mortgage as they had no accountability whatsoever. I spoke with XXXX and another Rocket Mortgage person name XXXX and they wasnt concerned about their XXXX up and I just told them listen Im homeless now because the XXXX balance that was owed to XXXX is now deducted from my proceeds and extra XXXX totaling XXXX that I was supposed to have to put down on my new home but because of Rocket Mortgage and AmRock Im sleeping in my truck with my dog and on my parents couch. I need for Rocket Mortgage to accommodate me big time as I dont have a roof over my head.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
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:
I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.

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 2023-10-25
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a new checking account with Regions bank requiring me to deposit {$50.00} in the account in order to go have a card made for me at ANY branch location, thats what I was told. I open and fund the account, today was the last day of waiting for the pending deposit to fully settle. I walked to the nearest branch to get my ATM card and was told by a nasty representative that the card was already ordered so I had to wait. Going back home to look into more information, I am told that I dont even have an eligible checking account so I try to open one and use the deposit of {$50.00} that I funded two days prior, as the deposit for THIS checking account. Still no access. So now this is day three 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 explanation
Consumer complaint received 2023-06-29
Company: National Credit Systems,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 do not have a contract with National Credit System, they did not provide me with the original contract as I requested. 

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 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information has been compromised online which resulted in my information floating around online. I've been abroad since XXXX and came home as of XX/XX/XXXX. As a result of my information being compromised and numerous fraudulent accounts have been opened under my name and social. Also numerous inquiries are listed as a result. 

The following fraudulent accounts aren't not mine : 1.XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX Acct # XXXX 5. XXXX Acct # XXXX 6. The XXXX XXXX Acct # XXXX 7.  XXXX Acct # XXXX 8. XXXX Acct # XXXX 9. XXXX Acct # XXXX 10.  XXXX XXXX XXXX # XXXX Inquiries : 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 2021-04-18
Company: DISCOVER BANK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
In XX/XX/2021, I receive an offer from Discover Personal Loan of {$25.00} personal loan and i applied online. I got a denial letter email on XXXX XXXX. The reason of the denial was Unusual risk seen with other similar personal loan applications. I am suprise and confused because according to their own credit monitoring, my FICO score was XXXX, {$0.00} late payment and my debt ratio was under 30 % I called the customer service in Arizona and spoke with XXXX to get an explanation and she can not explain either of what is denial is all about. It is my impression that if you applied for credit you application was being reviewed based on your ability to pay, debt ratio, delinquency ( if any ) and not by comparing my risk with other applicants I sent a letter on XX/XX/2021 requesting Discover to explain details the reason of the denial and as of today, i have not receive any response from Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
was told it was be no credit check and no hard inquiry XXXX XXXXXXXXXXXX XXXX XXXX  set XXXX XXXX XXXX XXXX  XXXX XXXX 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 XXXXXXXX

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 2022-03-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I sent Equifax a request for my consumer credit report AND file via certified mail with a return signature slip XX/XX/2022. Equifax sent me a notice via mail dated XX/XX/2022 without the signature return slip, which I expected back. Equifax refuses to provide me with my consumer credit report, by way of another stall tactic. Equifax continues to violate my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, This company reported my account to credit reports after speaking with and me asking for time to discuss this with XXXX XXXX. I spoke with American Accounts and Advisers and explained the situation, I was threatened about reporting to my credit report and not given enough time. I have not heard back from summit and this has now affected my credit. I sent American Account and Advisers a written letter of dispute. This is fraudulent billing practices and a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
I have sent dispute letters against the Credit Bureaus requesting that the Credit Bureuas correct my Credit File from erroneous information by updating, correcting, and removing the misleading information beinf reported on my Credit File. I have read that under the Fair Credit reporting Act, 15USC sections 1581i, the Credit Reporting Agencies are obliged to conduct and finish their investigation within 30 days, the time allowed by XXXX, or otherwise, the Credit Bureaus will be subject to investigation. On XX/XX/2022, I sent another Dispute letter to the Credit Bureaus requesting them to either correct or remove he erroneous accounts reporting on my credit file. As of now, I am submitting this CFPB complaint to remind the Credit Bureuas of my disputes and requests. Once again, I need the following erroneous accounts corrected and or removed from my Credit File as soon as possible : XXXX XXXX XXXXXXXX Balance Owed : {$700.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX XXXX Owed : {$22.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Please confirm the information shown in this collection account. The unverified account listed below is still reporting on my credit report in violation of Federal Law. This account is already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the Credit Bureaus is legally allowed to report this on my credit report. If unable to, remove the account immediately. 

XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$3200.00}

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
Consumer complaint received 2023-11-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The bank of Montreal had a Fraud investigations person contact me XXXX weeks ago, and took the claims over again that Ive had ongoing for XXXX months before the merger during the merger, and after the merger with XXXX XXXX XXXX XXXX, I tried to get the money out of the account and close the account that I have which is a secured card for {$12000.00} that I gave to the bank and they couldnt close because they didnt know how inside the branch in XXXX and now all the claims have been credited to my account but the person who took the claim told me that I cant go pick up my money until Friday and Friday is a closed XXXX XXXX again Im astounded at how this bank is treating my issues and dragging on time and making me wait I need to go in the bank today or tomorrow and pick up my money and close my account. I shouldnt have to wait another week. I can not go into a branch without the fraud department calling them and instructing them to close my accounts and have a check ready to pick up because they wont do anything for me. They treat me as if they have no clue what to do. I have to go through this online service people, customer service departments, and Fraud department for them to instruct the branch to close my account its astounding to me. I just dont understand why I have to wait and now shes told me that I have to go on Friday when the bank is closed.

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 monetary relief
Consumer complaint received 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had been employed through a company known as XXXX XXXX and XXXX XXXX. They were supposed to put funds into my bank account via direct deposit on XXXX but I was told by the bank I was part of the 1 % impacted by that " error. '' The funds hit my account a number of days later. About a week later, on the XXXX, the company put a redacted amount for the total payment made. They were able to take the money I had earned out of my bank account. I called the BOA about this and they told me I had to speak with the company about this money being taken out of my account. They could not give an explanation as to why they were able to take this money out of my account. When I asked if this can happen often they said this is a " one off '', however I have yet to recieve that payment for the company which is due to me for services rendered and BOA has been no help or resolution in the 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 explanation
Consumer complaint received 2018-12-26
Company: LEXISNEXIS
State: MN
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 have contacted Lexis Nexis several times in reference to a reported bankruptcy. I filed a complaint with CFPB and after Lexis Nexis replied it was closed. THe reply from Lexis Nexis was in the WRONG PERSONS NAME! How can something be verified if Lexis Nexis doesn't even have my name correct?! This bankruptcy needs to be removed from my report! The source of verification is XXXX which is a inaccurate and undependable source! I am intitled to a name, address and phone number of the PERSON verifiying. Bankrupty courts do not verify bankruptcies, so the ONLY acceptable outcome is for this inaccurate, unverified,  bankruptcy to be removed. This reporting is in violation of my Fair Credit Reporting Act rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NY
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-10-03
Company: Experian Information Solutions Inc.
State: TN
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:
I am a victim of identity theft. I filed a police report and FTC report and submitted them to the credit agencies and disputed my file. The disputes are not being filed correctly and the paperwork is not being attached to the disputes correctly. And I ma not getting copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-03-03
Company: EQUIFAX, INC.
State: OR
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 follow-up 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 accounts 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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:
The Creditor failed to address the issue or even correct the problem. They are not following the Federal Emergency Guidelines laid out by the Cares Act. They need to remove my 2 late Payments on file as I was offered an accommodation to help me during the pandemic. The " Accommodation '' was the removal of my late payment fees.

Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( 1 ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumers loan account to report the account as current unless the account was delinquent prior to the accommodation. 

On XX/XX/XXXX, the CFPB issued a policy statement highlighting furnishers responsibilities under CARES Act section 4021 and informing consumer reporting agencies ( CRAs ) and furnishers of the CFPBs flexible supervisory and enforcement approach regarding compliance with the FCRA. The CFPBs recent compliance guide seeks to clarify the information in the policy statement by addressing common issues concerning the provisions of Section 4021 :

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 2022-11-03
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXXXXXX XXXX  XXXX were taken out by my ex husband without my knowledge. When we were gathering our accounts and assets to decide how to split them as well as who was responsible for what, I learned of two unknown accounts i had not applied for that were in my name. In the divorce decree he agreed to be held liable for the debts as they were never my own doing and an act of identity theft. Once divorced I learned of these debts that were not only filed in my name but also sent to a collection company XXXX LVNV Funding LLC. 
The XXXX account ending in XXXX appeared on XX/XX/22 reporting to all 3 bureaus. 
The XXXX account ending in XXXX appeared on XX/XX/22 reporting to XXXX and XXXX. 
I have contacted XXXX XXXX XXXX directly as well as LVNV Funding to no avail. These debts are hindering me from taking out my first mortgage.

Company response to consumer: Closed with explanation