BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2019-10-19
Company: Internal Check Systems, LLC
State: CA
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 do not owe XXXX XXXX there Stating I owe them {$1200.00} when I bought my phone out right and only had their service for one month

Company response to consumer: Untimely response
Consumer complaint received 2019-10-19
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am writing to bring to your attention a legal matter which has been ongoing since XX/XX/XXXX. This is related to the closure of my late father 's bank account with Citibank, which has been handled by Citibank in a way that is very confusing and distressing. 

On XXXX XX/XX/XXXX my father very sadly and completely unexpectedly passed away. He was in XXXX with the family at that time. Later in the year we found out that my father was a Citigold customer at Citibank, XXXX, Florida. 

My father had no will but under XXXX Law he has XXXX beneficiaries all XXXX other beneficiaries gave me the authority to act on their behalf, in securing their rightful inheritance, in this case my late fathers bank account with Citibank. Under XXXX law, that is all that is needed for me to assume that responsibility. 

At the beginning of XX/XX/XXXX, I contacted Citibank for the first time by telephone and informed the bank of my fathers passing. Since then, even though I have provided every single document from the checklist Citibank originally sent, together with some other documents requested on several occasions at a later stage, often with insufficient or no explanation or justification for such requests. Despite that, Citibank refuses to release my fathers funds, although Citibank has recognized seemingly, that the XXXX of us are indeed the rightful beneficiaries. 

During the last XXXX years Citibank and their team assigned to my case were not only making it difficult to effect the closing of my late fathers account and the release of the funds to his proven beneficiaries, but they also threatened me on a few occasions with changing the status of the bank account to inactive as well as abandoned. 

Therefore, I hereby respectfully request you and your office to contact Citibank on our behalf to sort out what lies behind their refusal to act professionally and reasonably in releasing our funds. If my late fathers funds are not promptly released, I will have no choice but to consider potentially seeking legal redress, with all the additional stress and costs that such a course of action could incur for us. 

I await your response, and I am hopeful that the Consumer Financial Protection Bureau can help in resolving the closure of my late fathers Citibank account and the release of the funds to his rightful beneficiaries. 

The history of this whole process thus far, is set out in the attached document.

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 2023-05-31
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 XXXX  XXXX ACCT # 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 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 2023-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I encountered a very strange problem. The Bank of America suddenly closed my account on the XXXX of this month and refused to provide any further information and reports. When I deposited money in the Bank of America, the service staff of the Bank of America told me that under any circumstances, as the person in charge of the account, I would enjoy all the rights related to the account, but I was closed the account without any knowledge and the funds were frozen. I asked to solve this matter quickly. This kind of freezing behavior has brought great trouble to my work and life. At the same time, my recent failure to pay will cause the breach of contract of several jobs, which will bring completely unnecessary legal compensation risk.

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 2021-11-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a second mortgage and not able to afford to pay the payment because of their interest rate 13.5 % and requested them to modify the loan because of the hardship. I submitted all the required documents to them but they never try to help us. Since the our will be expiring soon we decided to sell the property and settle them its been 5 months we listed the property for sale but we have not received a single offer. I contacted them again if they can try to help us to settle or any payment option they can provide but the said they are options available right now for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Back in XX/XX/2020, during COVID, I was unemployed and my Bank of America Credit Card offered a COVID pause on the payment due. I applied for the COVID pause and received notice it was approved. So I didn't make the payment in XXXX and they reported me 30-days late for the month of XXXX. Once I applied and received word it was approved, I thought the payment wasn't due. 

I have a customer of Bank of America for almost 30-years and not ever been 30-days late before and haven't been since. 

Because I did not receive anything saying specifically my XX/XX/2020 payment was due, I was reported 30-days late.

I just want the one 30-day late payment removed please.

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 2023-09-14
Company: GOLDMAN SACHS BANK USA
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I called Goldman Sachs yesterday about my Apple Card. Even though my default payment is set up for my XXXX  XXXX XXXX card, they still charged the Apple Card for subscriptions without my knowledge or consent. I had deleted the card from my wallet and was completely unaware of any charges. I was never notified in writing or sent a statement. I never received a voicemail, text message, or email. I then discovered they reported me 30 days late over {$14.00}. I am XXXX XXXX XXXX, and have never once had a late charge. They destroyed my credit. I was told they would request amnesty, but there was no guarantee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
* In XX/XX/XXXX, my husband and I applied for a mortgage through Rocket Mortgage.Our primary mortgage is with them and it appeared to be a seamless process. We were pre-approved for a mortgage and then upon providing additional documentation, we were approved for XXXX mortgage. 

My parents reside in Florida and are elderly. We planned on purchasing a condo near them to assist them as they move on in age. Upon mortgage approval, I flew form NY to FLA to secure a home. 

We found a condo, had an accepted offer, paid for inspections, and condo association fees. 

A bulk of our down payment ( approx XXXX ) was derived from the sale of an investment property we sold on XX/XX/XXXX. We provided HUD and closing documents to demonstrate proof of funds. We dilgently checked the Rocket portal to ensure a XX/XX/XXXX closing. I spoke countless times with Rocket regarding the sourcing of these funds. When inquiries were made that their appeared to be a discrepancy ( in our favor ), we put Rocket in touch with our attorney who provided all of the documents needed to close. 

On XX/XX/XXXX at appromixately XXXX, Rockert informed us that we never should have been approved for the loan in the first place and that Rocket would absorb related costs ( flights, inspections, etc. ) as it was their error. We were informed to contact the escalation dept. 

We registered our concern, provided receipts demonstrating fees incurred, and time line. One week later, we were informed by Rocket Mortgage Resolutions Advocate, XXXX XXXX that our case did not warrant reimbursement despite being told by our Rocket Mortgage loan officer we would be reimbursed. We have copies of emails and voicemails supporting that Rocket Mortgage would reimburse us and 'make this right. ' Upon speaking with XXXX XXXX regarding the decision that was made with her leadership team at Rocket, we inquired about where we could register our concerns about our treatment. We requested oversight agency information. XXXX XXXX said she was unaware of such agencies and that we should check the Rocket Mortgage website under " contact us '' for additional information. All of our phone calls are recorded with Rocket per their policy to support this claim. 

We have asked several times through phone calls and emails why it was a mistake that we were approved for a loan in the first place and as of XX/XX/XXXX, we still do not have an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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 2019-10-19
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX IS UNAVAILABLE TO ME ONLINE DUE TO A COMPUTER GLITCH OF THEIRS..IT WOULD BE GREAT IF THEY KNEW HOW TO GENERATE SECURITY QUESTIONS SO I COULD USE THE SERVICE. 
THERFOR I OFFER THE FOLLOWING COMPLAINT : CREDITOR XXXX   COLLECTOR XXXX XXXX XXXX HAS DEFRAUDED ME.I PAID XXXX DOLLARS UNDER A DURESS SETTLEMENT THAT I SHOULD HAVE PAID NOTHING. 
XXXX AT TIME OF SALE /SERVICE INTENTIONALLY WILLFULLY DEFRAUDED ME AND VIOLATED THE IMPLIED WARRANTIES LAWS OF CALIFORNIA . 
DUE TO THE UNDISCLOSED LACK OF CELL TOWER COVERAGE IN MY AREA XXXX SERVICE WAS DROPPED CALLS, INTERFERENCE, MISSED MESSAGES AND JUST GENERALLY FAILURE PRONE.SINCE XXXX KNEW THIS THEY SHOULD HAVE NEVER SOLD ME THE REASONABLE EXPECTATION OF ADEQUATE SERVICE. 
I WOULD LIKE THIS XXXX ACCOUNT DELETED FROM ALL CREDIT BUREAUS.

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 2022-09-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
About a month ago I was cold called by PennyMac. I am self employed, which I disclosed during the call. 

The officer asked if I had filed my XXXX, and XXXX taxes. While I have an approved extension for my XXXX taxes, I have not filed either due to proof of certain COVID related deductions to arrive. 

The officer asked if I had prepared a return. I did, but I had not filed it. So I provided that as my XXXX proof of income. 

He asked me for a credit card, which I gave him, for an inspection deposit. 

Since then I have spoken to many others at PennyMac, each time disclosing that the XXXX 1040, was not a filed return. 

I have also emailed the original officer and asked him to withdraw the application, after I found out that we would not be filing until the middle of XXXX. 

Moreover the refinance offer was a terrible deal. While I acted out of a sense of obligation and continued to supply the requested documents, after running the numbers here was the offer. 

I currently have a primary and second mortgage. The primary is an FHA at 3.25 % with about 25 years, and {$110000.00} remaining. The second is a guaranteed XXXX XXXX for {$40000.00}, at 9.1 %. I also have {$12000.00} in COVID relief owed at 0 %. 

The current sum of my monthly payments is about {$1500.00} a month. 

I am unsure of the new rate, but the deal was {$180000.00} for 29 years, with no PMI, for about {$1300.00} a month. 

I also needed to bring about {$1500.00} to closing and pay for an appraisal which I guess I have already paid for, but have not scheduled due to the issues with the proof of income. 

After reviewing the paperwork, it seems quite clear that by proceeding with using the unfiled XXXX as proof of income, I would be committing mortgage fraud, and that since the lender was required to verify the return with the IRS, engaging in the loan, at a minimum would cost me my house. 

I don't understand how knowing that, several licensed loan officers have continued to ask me to continue the application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 
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, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A Section 2 : it's 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 containing any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 # 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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 2021-09-24
Company: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Systems INC has been sending me collection notices in the amount of {$4900.00}. This balance has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.

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