BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Rocket Mortgage has three loans outstanding with me- two mortgages on two properties and one HELOC on one of them. I have been doing business with them for about 10 years now. he HELOC is for $ XXXX and the outstanding loan amount was for about {$7500.00}. The last payment due was about {$200.00}, I usually keep very low balances on my HELOC and pay it off fully as soon as I can. I had one late payment recently ( I think the only late payment I have ever had in my entire history with this company ) which was delayed by over 30 days since we had a case of COVID in our home. As soon as I found out that I was late, I immediately paid off the entire amount down to a XXXX balance. 

Instead of understanding the situation, this greedy and unethical company immediately froze my HELOC without telling me that they would. Then when I asked, they sent me a form to unfreeze the account. After I sent in the form, I then find out from them that the freeze has to be for 6 months for timely payments. How am I making timely payments on a XXXX  balance? I believe this company does not like the rate it is giving me on this loan and is trying to get out of it under this flimsy excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: U.S. BANCORP
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:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports

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 2020-10-13
Company: Collections Acquisition Company, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The XXXX XXXX XXXX business was a XXXX XXXX XXXX XXXX that I was paying for my child. 
Suddenly around fall of last year, I noticed that my son 's tutoring program was changed without my permission. I asked why, and I was told it was by his father. 
I promptly called him and told him to desist from doing so, because I am the one paying. 

At the same time, my bank changed their systems and needed me to re-install all standing orders and so on. Unfortunately, this XXXX XXXX XXXX company was unable to take their amount. And why it took such time for them to communicate this problem to me, was puzzling. As soon as I knew I fixed the problem at the bank. 

Still, this XXXX XXXX XXXX failed to honour my request to return my son 's program back to what it was supposed to be ; despite being the paying parent. And having my knowledge than all of them about education pertaining tot he child who I literally tutored from birth. 

In any case, I reset the account information and they continued to receive their payment. No one ever told me anything about collection action and no documentation of that notice was ever sent to me. 

I had no way of knowing such an action existed and this had caused it to be damaging to my credit in many ways. 
In fact, it was by sheer chance that I found out today that this had happened and has been since XX/XX/2019 ; despite the fact that I do not owe this company, I do not owe this amount and I have no debt with them. 

In fact, this company owed me for failing to inform me of changes even though I was the paying parent. In addition, there were months my son received no classes before and after the pandemic while they kept charging me repeatedly. 
For these reasons, I want them to refund all the money I paid for classes from XXXX to XXXX. Thus, this company is fraudulent and can not be trusted. 

They did not care about the impact of this unknown development on the parent of the child they are teaching, and who has been paying them for years ; but choosing to report me to the credit bureau on a whim, and keeping the information from me in a way that was damaging to me is unconscionable. 
I only found out this morning while checking for an unrelated item. 

Despite my continual payments to them for services, they never corrected the error, or deemed it necessary to inform me of this problem. 
This is a shock to me and I find it hard to believe that the manager could support an action like this and not tell me. 
This action shows a lack of humanity and I want this to serve as a lesson for others to share.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a cae accident which vehicle was demeed total loss XX/XX/2016. The auto finance company has it as a charge off as sin e insurance company paid .off vehicle and doesnt want to removed from credit i been disputing the false information and they stated They will removed since They found all check yo be paid from insurance Company.

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 2018-11-10
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I call the 800 number on the collection notice to attempt to make a payment, the number for not work. I say ok I will pay it online I attempt theyre website to make a payment online, and their server is down. I have no way to make a payment on the account but they continue to charge interest on the past due amount and reporting negative to credit beuro. How is it legal to charge interest on an account that is no accessible to make a payment on.

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 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Bankruptcy DISMSD/CLSD XXXX I have been informed by the courts that they did not verify this for no bureau. Consequently, litigation may follow if it is not removed immediately ... this is false and inaccurate ... I have never filed Bankruptcy ... You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) XXXX a consumer contract with my signature on it XXXX  and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2019-05-23
Company: AMERICAN HONDA FINANCE CORP
State: NY
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:
When I went to lease vehicle I was promised prior to the agreement that in a year they would cut my monthly payments in half. In addition to that promise they added on extra products that I did not request. I tried to go to the dealer to fix the situation. Any reasonable person would not have took the car off the lot without those promises. When I reached out a year to the date via text the dealer said it can still be done when I went in person I was told no and they tried to get me to buy the car to lower the payments so I told them to take the car. The ending balance on the vehicle was approx 19,000. Not the XXXX thats reported. The car isnt even market value for XXXX. Market value is between XXXX and XXXX. This dealer is in direct violation of the TRUTH IN LENDING CONSUMER LEASING ACT. Ive consulted with numerous lawyers and they all say the dealer acted illegally. The texts shows the dealer knowingly tricked me as a consumer whos never leased a car. They should not lie to sell cars and then try to make me pay an insane price when what they did to me was illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018 at XXXX XXXX, a representative called me from a blocked number without giving their name, nor verifying my identity before they began to discuss and disclose my personal information. The person only stated that they were calling in regard to my XXXX 's XXXX Account. During this call, the representative became abusive with her tone and language. The representative stated that I need to pay my bill regardless of my situation because my hardship program was over, and that it wont be my situation forever. She went on to say that if I do not pay something that I am stealing because I already have the merchandise. I repeatedly told the representative that my hardship has not ended, and I am seeking additional help, otherwise I can not make the regular payments. The representative continued to degrade me asking " well what is it you have been doing this past year? '' She continued in a back and forth engagement with me for seven minutes before I became completely upset with the harassment and hung up. 

I then called XXXX XXXX 's XXXX at ( XXXX ) XXXX-XXXX on XX/XX/2018 at XXXX XXXX to file a complaint. I asked for the name of the representative and I requested to speak to a manager. I was told that they could not locate the name of the person who had called me, but that they would leave a message for the manager of the representative to call me back. It is now XX/XX/2018 and have not heard back from a manger. After two weeks have gone by since the incident I realized that I was not going to receive a call back. Since then, I have not answered any calls from unrecognized, unknown or blocked numbers in fear of being targeted, called a thief, and harassed again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a loan modification from Bank of America. I have tried many times and every time I get the modification back I am either denied or it has a higher interest rate and payment than my original mortgage .I have spoke to them about selling my home myself and they have put me in foreclosure with a sale date of XX/XX/2018 with a month notification .Myself and my child have no where to go and also no money to start over again. Can you please help me stop the foreclosure so I can sell the house myself so I can try to get a little money after Bank of America is paid so I can relocate and start over. 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 2017-11-08
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I spoke with a representative named XXXX from Equifax, To update my information such as addresses and phone numbers. I also explain to XXXX that I was a victim of identify theft and did n't recognized some inquires that was on my report he asked me which inquires that was n't made by me and I told him and he advise me that those inquires were deleted and provided me with an confirmation number # XXXX. When I received my report in the mail I realized those inquires were not removed like the addresses as stated on the recording. The following Inquires and dates are listed below : XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I set up auto pay with navent and they went into my account and withdrew money without out my consent my payments are due on the XXXX of the month they withdrew money XX/XX/XXXX, for the month of XX/XX/XXXXthey withdrew from my account three times making it overdrawn and costing me fees for stop payment. 
XX/XX/XXXX they withdrew XXXX and my payments are not due until the XXXX of each month. 
I made a payment of XXXX XX/XX/XXXX and they they withdrew XXXX and then on XX/XX/XXXX tried to with draw XXXX out of my account I had to stop payment on it and was charged by XXXX XXXX XXXX 30.00. I am not comfortable allowing them to do auto pay they have lost my trust and I feel that they have not given me correct information on my loans

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed a collection account from XXXX XXXX XXXX on XXXX, XXXX and TransUnion credit reports. So far I have heard back from XXXX stating that XXXX XXXX XXXX verified the information as correct and the item was not deleted. 

I have submitted two complaints against XXXX XXXX XXXX with regards to this account and in the first complaint they agreed to delete the item from my credit reports. 

However, this has not been the case. I am providing copies of the first complain with XXXX XXXX XXXX stating they will remove the account from my credits bureaus. 

I also asked XXXX, TransUnion and XXXX to provide the means of the verification and the proof that was provided by XXXX XXXX XXXX. This information was not provided. They are just relying on XXXX XXXX XXXX word. Without proper evidence showing this account belongs to me ( which it does not ) this item must be removed.

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 2020-08-20
Company: Phoenix Financial Services LLC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently found that my credit score dropped 125 points on account of an amount of {$670.00} showing as a debt owed to Phoenix Financial Services. I contacted Phoenix Financial Services by phone and was informed that the amount was incurred by me at the XXXX XXXX in Washington state on XX/XX/XXXX. When I requested the original bill I received an email from Phoenix on XX/XX/XXXX, with directions for paying the amount and with an entry showing the amount of {$670.00} owed to XXXX XXXX XXXX XXXX. My address on this document was also recorded incorrectly. I sent Phoenix an email on XX/XX/XXXX, requesting for billing details from the hospital for the amount due. I did not receive any response. I, therefore, followed up with a reminder on XX/XX/XXXX, which also did not elicit any response. I called Phoenix on XX/XX/XXXX but was informed that they could not send me any further details. 

I reached out to the XXXX XXXX in XXXX which asked me to fax the details which I did on XX/XX/XXXX. The billing department of the hospital confirmed to me over phone on XX/XX/XXXX, that I had paid all my bills in full for my treatment at the hospital. I also contacted XXXX XXXX XXXX on XX/XX/XXXX and was informed that all my bills had been paid. I contacted Phoenix again but they insist that I must show proof of payment against an account XXXX. The billing departments at the XXXX XXXX and the XXXX XXXX XXXX do not recognize this account. Phoenix is unable to send me any documentation from the hospital showing details of the amount due, but insist that I must pay the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America, the bank where my checking account is domiciled, unilaterally debited {$700.00} from my checking without my consent. I have sort explanations from the bank and what they told me is that it was used to give me a credit line. I did not authorize them making that deduction. I have demanded that this is reversed and the bank has refused. Rather they have been passing me from staff to another. I request that revert my money back to my checking account so that I can close the account and move to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
DBA XXXX XXXX XXXX {$460.00} DBA XXXX XXXX XXXX {$300.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.

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 2018-08-21
Company: United Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I was contacted my XXXX with United Collection Bureau Incorporated for a medical bill that my husband owes - I do not owe this - and they keep harassing me. Futhermore, this is a debt he doesn't owe because we were told that our insurance company would cover it for my XXXX XXXX  XXXX XXXX. We paid money up front for this and I am being harrassed. I told these people at least twice, this is my husband 's debt and to not call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
DBA XXXX XXXX XXXX {$460.00} DBA XXXX XXXX XXXX {$300.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 I reported my account ending in XXXX close due to suspicious fraud on my account wells Fargo gladly assisted me with closing the account and opened up a new account for me In XX/XX/2018 I made a complaint that I think my account information has been stolen again and that someone has been using my identify as fraud there was a investigation made ( # XXXX ) for account ending in XXXX Wells Fargo notified me via email XX/XX/2018 that the investigation has been completed and that They couldn't find any valid identify theft, the credit that was applied to my account was reversed, shortly after I was emailed on XX/XX/2018 that my account was closed due to prolonged overdraft. In mid XXXX I contacted wells fargo regarding my closed checking account and also my closed credit card account, my credit card account was closed due to checking account being close ( as wells fargo says ) when I called I was told that if I want to repopen my checking account I will have to go inside of a branch and reapply for a checking account, and my credit card account can should be able to be reopen because it was closed due to checking and NOT for non payments being made. I was told I was going to receive a call back from the CCS executive office and was never notified anything I have to continuously call wells fargo for an update and every time I call they give me a run around, my recent call I spoke to another division of the CCS executive office that is open on Saturdays and was told There was a decision made on XX/XX/18 about my account not being able to reopen and the person on the phone says " the CCS department probably didn't feel like notifying you yet '' wells fargo has bad a known history of data breach and should not be treating or blaming customers for identify theft or data breaches I am extremely upset and dissatisfied with the services wells fargo has provided

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