BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-28
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Subject : Quicken Loans Rep Persistently Avoids Providing Written Loan Estimate This is a formal complaint against XXXX XXXX and Quicken Loans for failure to provide a proper Loan Estimate with in the legally required 3 days from receipt of my personal and loan information. This compliant will be submitted directly to Quicken Loans as well as the Consumer Financial Protections Bureau. 

Below is a summary email trail of The Worst Lending Experience I have ever had in my 15 years of working with mortgage companies to obtain residential purchase loans. 

Friday, XX/XX/2020 Called Quicken Loans to get a rate quote and Loan Estimate. 
I was routed to XXXX XXXX, who advised me that he would have to pull my credit in order to quote rates. 
After XXXX asked me a minimum of a dozen demographic and purchase questions, including my social security number to pull my credit ; XXXX quoted me points and rates on FHA and conventional loan options. 
In response to the verbal quote, I asked XXXX if he could email the estimate. 
XXXX agreed to follow-up with an email ; but seem to hedge on the information Quicken Loans provides without distinction. 
Despite informing me that Quicken was currently pricing mortgages multiple times/day, XXXX waited a day to send an informal email citing points that were higher than what he provided by phone the day before. 
After I replied with an inquiry about the disparity, XXXX acknowledged the points distinction that he failed to disclose in his initial correspondence. 

Friday, XX/XX/2020 After receiving confirmation from multiple sources, that I should have been provided a Loan Estimate, I emailed XXXX to again request a formal Loan Estimate. 
Despite XXXX 's auto reply directing immediate follow-up be redirected to XXXX XXXX, XXXX replied before she could reply to advise that he would follow-up with me on Saturday, XX/XX/2020. 

Saturday, XX/XX/2020 XXXX initially follows-up with an email at XXXX to ask " the property address '' for purchase. 
Despite my replying at XXXX, he waits until XXXX to ask if I'm still " interested in FHA? XXXX After responding to the " FHA '' inquiry within one minute, he waits another 2.5hrs to ask about my " closing date. '' I reply with what is likely to be the earliest possible closing date. 
Note : The fact is there is NOT a closing date yet. It's a new construction home that is still being built. 
XXXX casually replies that " we would not be able to close in 2 weeks. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately. 


15 U.S. Code 1692g - Validation of debts U.S. Code ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; You Violated The United States Code Law 15 U.S. Code 1681b- Permissible Purpose of Consumer Reports ( a ) In general, Subject to subsection ( c ). any consumer reporting agency, may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible Purpose of Consumer Reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

I never gave you any written consent to report anything on my consumer report no consent is Identity Theft. 


I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-02-20
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Disputed {$53.00} on my Costo Citi Visa. Citi shows " credit applied '' on dispute page, but no credit was applied to my card. Contacted Citi via their website 's " chat '' feautre. Someone named " XXXX '' was reportedly connected but did not respond after almost ten or fifteen minutes of no responses to my attempts at communication, I gave up and filed this complaint. This complaint is as much about the dispute as it is about the inability to contact a human at Citi.

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 2022-08-09
Company: EQUIFAX, INC.
State: NY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/information below : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-07-03
Company: Experian Information Solutions 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:
ftc violations listed and filed to FTC XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Creditor Name XXXX XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- ATTORNEY GENERAL-XXXX Account Type XXXX XXXX Account Status Open XXXX XXXX XXXX Account Type Secured Loan Account Status Open Opened Date XX/XX/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 2020-08-22
Company: DISCOVER BANK
State: SC
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 a loan with XXXX XXXX, DISCOVERBANK, and XXXX XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DISCOVERBANK, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISCARGED XXXX XXXX  XXXX {$27000.00} XXXX  XXXX {$980.00} XXXX   XXXX {$590.00} XXXX  XXXX {$5500.00} XXXX   XXXX {$590.00}

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 2021-06-04
Company: Credit Plus Inc
State: KY
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 never applied to these companies for any credit check. I never even saw these on my report until it dropped over 50 points on XX/XX/XXXX I never gave anyone or any company permission to run any credit or social security number for approval for auto or credit cards at any point. 

XXXX XXXX Inquiry : XX/XX/XXXX Auto financing XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX CREDIT PLUS Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/XXXX my car XXXX XXXX XXXX was stolen and recovered by police totaled on XX/XX/XXXX, on XX/XX/XXXX I spoke with XXXX Supervisor of Capital One Auto Finance asking for a settlement of {$8000.00} from my car insurance ( XXXX ) which paid settlement about {$15000.00} to Capital one but this car is only worth about {$13000.00} - {$18000.00} as of XX/XX/XXXX I paid in total to Capital one Auto {$23000.00}, plus my car insurance settlement payment {$15000.00} totaling {$38000.00} this ridiculous and excessive for this car. 

I asked Capital one XXXX, XXXX to send correspondence regarding my car in my name, my Aunt ( XXXX XXXX ) has deceased as of XX/XX/XXXX who was my co-signer, I paid Capital one payments monthly and my car insurance not my Aunt, I financed this car in XXXX at XXXX XXXX XXXX, NY I traded my car I owned to get the XXXX XXXX XXXX in XXXX. 

As of XX/XX/XXXX Capital one by mail is asking for another {$2900.00} or their settlement one time payment of {$970.00}, Capital one has left me without a car due to the EXCESSIVE CHARGES. This is besides excessive, abusive and discrimination, I support myself and my children with having a car and with my job I still have a job but am making less due to the Lose of my car. 

Capital One wouldnt even send me the total of what I paid, just a transaction history report of ( 7 ) pages in which I had to add up myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
My identity was compromised. My cousin used my information while I was out of the country with out my consent. I had no idea that they opened these accounts until I checked my credit report. I have filed a police report about this matter and the creditors refuse to remove these accounts from my credit. Please assist me in getting these fraudulent accounts are removed from credit report because it has brought my score down significantly and is hindering from getting the things i need.

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 2020-07-30
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My prior mortgage provider - XXXX - sold the note to Selene Finance. I called them to see if they would be open to a refinance. The agent straight out said - Selene does not refinance. How ids that even possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
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:
There is one account on my credit report and this is not my account this does not belong to me I have not applied used or know what this is for I dont own anything like this nor have I!!! I need this taken care of ASAP. 

XXXX XXXX - ACCT # 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 explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, 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:
These are fraudulent inquiries on my report please remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: MoneyLion Inc.
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have two transactions from my checking account going to a roarmoney account that I do not have nor have I ever heard of until today. After doing some digging it turns out it went to a bank account app known as moneylion. I have a charge onXXXX for XXXX dollars and a charge one XX/XX/2021 for XXXX dollars as well as 2 overdraft fees of XXXX dollars each. I'm writing this to get help getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: IL
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 CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Despite several complaints, XXXX  XXXX XXXX continues to report my closed credit card account with them as previously delinquent and currently 90 days delinquent. This account has been closed and paid satisfactorily. XXXX  XXXX XXXX and the credit reporting agencies have refused to correct the account upon complaint. My credit score has dropped as a result.

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 2017-09-18
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Nelnet hit my credit with reports of being 30/60/120 delinquent on payments I never received notice about via mail or telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 am a victim of identity theft. Due to the XXXX XXXX  XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-01-20
Company: CITIBANK, N.A.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Saturday, XX/XX/2021 - To make a Sevice appointment for my mother, I had to give my credit card number to the company - I told them at the time that they may not be allowed into the facility because of COVID. The charge showed up immediately as pending ( no surprise ). They said I would not be charged if I canceled. I immediately found out that they would not be allowed in and canceled the service call which was tentatively scheduled for one week later, Saturday, XX/XX/XXXX. I canceled by email, phone and chat, all confirmed I would not be charged. The charge went from pending to charge 4 days after canceling, on Wednesday, XX/XX/XXXX. Upon calling the service company, XXXX XXXX ( part of XXXX XXXX XXXX ), and my Citi Visa, I was informed I would not receive the credit for {$99.00} for 14 days! They are not disputing the credit, but it will take that long. I pay my credit card in full every month. It closes in the next couple of days, so, now I will be out {$99.00} or have to pay interest. My question/complaint is how a charge is allowed to hit immediately, but an undisputed credit is allowed to take 14 days?! Criminal! What a scam! Is it the service provider or the credit card company? This is not so much about the {$99.00} as the legality of this delay.

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 2018-06-25
Company: SUNTRUST BANKS, INC.
State: GA
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 told the customer service rep, not to let any charges to go through from XXXX XXXX XXXX ( {$500.00} ) last week. Also I told the rep if I didnt have funds in my account do not let any charges go through my account. Suntrusts and the customer rep continued to ignore me and charge unlawful fees. I have canceled this debit card and Im going to start a lawsuit if they are not going to put the money back in my bank 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 2021-06-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dates XX/XX/2019 Company XXXX XXXX Dates XX/XX/2019 XXXX XXXX XXXX I tried to get an account with XXXX XXXX XXXX. I could not be accommodated. There decision was based in whole or part on information obtained in report from consumer report. They recommended actions to provide adverse action form check box for Chexsystems. Action taken place is requesting all information concerning this issue. My information was impacted by the data breach hack.

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