BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I extend my appreciation for the efforts taken thus far to address the fraudulent items on my credit reports resulting from an alleged identity theft. However, I would like to bring to your attention the remaining items that persistently appear on my credit reports, which do not belong to me. Upon reviewing my records, I observed that these unresolved items are still inaccurately reported, and I believe their presence violates Section 605B of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of items opened due to identity theft. I have attached the required FTC Report with # XXXX & XXXX for your reference and with inclusion of my personal documents. The fraudulent items in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-24
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:
It angers me seeing that the Credit reporting Agencies have been ignoring my requests for the removal of the fraudulent accounts and information completely from my Credit File despite the multiple dispute letters and CFPB Complaints that I have been submitting to the Credit Bureaus. The Credit Bureaus ' willful non-compliance with the Fair Credit reporting act section 605b, is a clear violation of a consumer 's rights! I took the advise from my legal counsel and we are now ready to file a lawsuit against the Credit Reporting Agencies. I am submitting this CFPB Complaint to the Credit reporting Agencies as a final warning that in the event the Credit Bureaus do not comply with the requests and fail to remove the disputed accounts and information from my Credit Report. We will be filing the lawsuit that we have been preparing. Under the provisions of the Fair Credit Reporting act section 605b, I am expecting that the Credit Bureaus remove the following fraudulent accounts and information completely from my Credit File as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}

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 2022-02-04
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX- Rocket Mortgage ( RM ) effectively doubled our supposed tax liability, began collecting from us accordingly & did not respond to my request for explanation. 
XX/XX/XXXX - Through my own research I determined RM had attributed a parcel to us that was not deeded to, billed to, mailed to, or paid by us. The bill for that parcel was roughly {$18.00} annually, but RM used it to nearly double our approximate tax bill of {$6400.00}. I provided documentation & a complete explanation of my findings to RM. 
XX/XX/XXXX - I learned RM had paid the aforementioned misapplied tax bill ( which, again, was in no way affiliated with us ) from our escrow account. It had not, in fact, been removed from our escrow account THREE MONTHS PRIOR despite the documentation and information I provided. I reached out to RM again & was told the misapplied parcel had been removed, but somehow reassigned to our account. 
XX/XX/XXXX - I finally received confirmation the misapplied parcel had been removed from our escrow analysis with no explanation as to how it was applied in the first place FIVE MONTHS PRIOR. 
XX/XX/XXXX - I received an unexpected large escrow refund from RM, logged in to my countys property tax website and found RM had FAILED TO PAY the taxes due XX/XX/XXXX. I was later told that the due date of our annual property tax bill had been entered as the MATURITY DATE OF THE LOAN. 
XX/XX/XXXX - RM made payment of our delinquent tax bill, but failed to pay the entirety of the late penalties assessed. 
XX/XX/XXXX - I emailed yet another copy of the tax bill & late payment penalty policy to RM & requested the remaining penalty be paid. 
XX/XX/XXXX - The balance of the late payment penalty REMAINS UNPAID and our tax bill continues to show a past due amount, attributed solely to RMs negligence in managing our escrow account. 
Dating back to XX/XX/XXXX, I have repeatedly requested contact from representatives within the tax and/or escrow departments and begged for someone in leadership to take notice and ownership of these repeated debacles. I was never granted any of these requests, always being told no one in those departments is customer facing. My single point of contact over the last 15 months has been professional and apologetic, but only able to assist to the extent RM allowed him, which appears to have been limited to simply forwarding my emails to others and waiting for an eventual ( if any ) response. The amount of time & effort I have had to expend personally researching, identifying, documenting & requesting correction of multiple RM errors and the refusal of anyone within the company to address or take ownership is inexcusable. The likelihood that mistakes like these are happening throughout the organization to unsuspecting borrowers is great and should be of huge concern to all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: MOHELA
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please see attached documentation for dates. 
1. Student loans paid off in full with XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX reached out regarding refund for any payments during COVID-19 hold on loans. 
3. Loan reinstated with no corresponding check or transfer of funds 4. Loan transferred to Mohela 5. Mohela is not responsive to queries regarding refund.

6. Mohela requests fraudulent loan to be paid and does not respond to phone or electronic contact of support.

Please see attached letter for a more clear description.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made a mistake when I withdrew, the mistake I made was, I had the wrong name for the bank account holder, so the money was pending, and the receiving bank suggested contacting the sending bank. Here 's the chronology : XX/XX/XXXX, I made a withdrawal in my IBKR account, and I made a wire transfer to XXXX, and the process changed to being sent after 2 working days, but my money had not yet entered the destination bank account with a pending status because the name and destination bank account number was different, I hope my money can return to my IBKR account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In early XX/XX/XXXX, my payment amount on XXXX was added for the XX/XX/XXXX loan payment re-start. This payment amount was incorrect -- it should have been the same payment I was making prior to the payment pause but instead was double what I had been paying. I had not recertified my income so there's no reason it should have changed. 

I took the advice of the Mohela website and waited to see if they would update my payment amount when they sent a billing statement and this never happened. I called to inquire on XX/XX/XXXX and after waiting XXXX hours for a call back, the Mohela representative had no idea why Mohela had my payment listed as twice the amount it should have been. The customer service representative suggested I recalculate my XXXX payment amount, which I did on the phone. She said it would take XXXX business days to process. It has now been XXXX business days and it has still not been processed. 

I received a billing statement on XX/XX/XXXX for the incorrect amount. The billing statement listed a payment due date of XX/XX/XXXX and was backdated to XX/XX/XXXX ( billing statements are required to be provided XXXX weeks ahead of the payment date -- Mohela did not do this and inaccurately backdated my billing statement ). 

Around XX/XX/XXXX my payment amount was updated on Mohela.com to a lower amount, but my billing statement was not updated to reflect this. I attempted to pay the amount due on XX/XX/XXXX so my payment would not be delinquent, but when I tried to pay it the payment not applying the amount due across all loans and instead just to some of the loans which would prevent the payment from applying to my PSLF count. 

On XX/XX/XXXX, I tried to call Mohela to discuss. I have been on hold for XXXX hours so far and not been able to talk to customer service. 

Additionally, I submitted an updated XXXX certification form at the beginning of XXXX. It has been a month and my payment counts have not been updated. 

This is absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had a lease with Hyundai/Kia financing since XXXX of XXXX. My lease is set to be completed XX/XX/XXXX. Due to the changing size of our family we need a bigger vehicle and I contacted Kia to figure out how to get out of my lease. Upon contacting them for several weeks about statements and an audit ( as of today I still have not received those statements ). The last payment I sent in XX/XX/XXXX was for {$1100.00} cents which made my account current. Imagine my surprise when I logged in I was notified a few days ago after disputing a balance of my account that I was still delinquent. How??? No one could explain until I was able to speak to a manager only after my husband called to speak to someone after I had been transferred over 5 times and hung up on several times. The manager after several moments informed me that I had a missing payment from XX/XX/XXXX! I was livid considering that I had paid not even 14 days before and asks what my balance was so that I could be current. She proceeded to tell me that Kia does not call customers if they are behind on bills or if one is missing .... I am sure that can not be right. I called again XX/XX/XXXX and spoke to XXXX who told me she saw I was current from the last payment and that she would contact the payment department but it would take at least 30 days to correct ... I would also need to call in for a status because they do not call out anyone ... I have retained a buyer but Kia would not give them more than 24 hours on the payout quote. When I asked I was told it was because it was right before a cycle and cycles are different on leases. I am trying to do the right thing but I refuse to pay a " bill '' from almost two years ago that I was never notified of. All I want is to get rid of this car and hold Kia accountable for their lack of customer service and due diligence. In the midst of a pandemic I am still trying to make sure that I am taking care of may responsibilities they need to as well.

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 2023-11-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I lost my phone. And there were unauthorized transfers from zelle on my bank accounts from different bank. Those transaction taken place between XX/XX/2023 and XX/XX/2023. They change my bank account. I talked to my bank snd they denied my claim. And told me that these transactions are not unauthorized. I think somehow they have access to phones.

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 2023-06-13
Company: EQUIFAX, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-30
Company: EQUIFAX, 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 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$950.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full and should be reporting a {$0.00} balance. This account needs to be updated to report accurate information. This false reporting of a collection is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: WELLS FARGO & COMPANY
State: LA
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:
This morning ( Thursday XX/XX/2023 ), I received an email from Wells Fargo stating my account balance in my checking account reached XXXX dollars. I logged onto my banking app and saw that two charges were on my account that were fraudulent. Both are purchases from " XXXX '' which I have not heard of before. One charge was for {$420.00}, the other for {$440.00}. I immediately called Wells Fargo to report the fraudulent charges. I was told that a new debit card would be mailed to me and an investigation would launch. I asked if I would be refunded the amount originally in my checking account as both these charges are still " pending '' according to my banking app ( still pending as of XXXX the same day, 10 hours after I called them ). The Wells Fargo representative told me she could not guarantee the money would be refunded and I would have to wait until the investigation was completed.

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 2023-10-24
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received several call today ( XX/XX/23 ) to verify my identity with them so the can serve me papers. Would not tell me what kind of papers. I asked if they were a process server and if so, that's not what process servers do. I repeatedly asked her not to call me and end the calls. The rep ( XXXX XXXX ) continued to call back and then left a message stating that they would 'serve ' me and would also come to my job if I didn't return the call. I advised XXXX XXXX to mail me what she had ; she refused but told me to call XXXX. 

Additional Phone Number used : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
This first investors account on my credit they sold my legal information to XXXX XXXX. I was able to get it removed off XXXX but the company is giving me a hard time to move it off XXXX  i keep disputing it over and over. It is very old. So im not able to get a vehicle anywhere to make it to doctors appointments during covid

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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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