BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-24
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was dealing with Quicken Loans/Rocket Mortgage on a refinance. From the beginning I was very specific about my situation and made them aware that I had a second mortgage on the home due to a loan modification a few years back. I was very clear with them about my intent to refinance in order to pay off this second mortgage. From the beginning I was told this was not a problem and that they could make it work. They made me pay {$500.00} for an appraisal of the home which came back with mistakes. One bedroom was missed, the central AC unit was not noted and the report indicated I have a drop stair attic which is not even true. After jumping through many many hoops, 3 weeks after the process start I was contacted by one of their supervisors to let me know they had found something when they pulled the deed of the house. They had found a lien/second mortgage on the home. I was baffled and confused because they were aware of this and this was the whole purpose for the refinance. Not only that, they had already pulled the deed on the home 2 weeks before this and were aware. I was told by this supervisor that in order to make the refinance work I now needed to pay off this second mortgage to the tune of $ XXXX. They essentially wasted my time and led me with deceptive practices to try and make this deal. I would like them to refund me the {$500.00} I spent on the useless appraisal with partial and incorrect information. Its crazy how companies can do things like thi to people and get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My XXXX XXXX XXXX credit card # : XXXX, XXXX XXXX credit card # : XXXX, and XXXX XXXX XXXX  XXXX XXXX credit card # : XXXX is lost/stolen, and all the charges/transactions on the accounts are fraudulent and unauthorized.

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 2020-08-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage Lender : Wells Fargo Mortgage Issue : Incorrect loan payoff amount upon paying off mortgage loan on XX/XX/2020. 

History : I prepaid my XX/XX/XXXX mortgage payment of {$2700.00} ( {$1500.00} in interest ) on XX/XX/2020. 
In an effort to reduce my mortgage principal and therefore save money on interest, I also paid on the principal amount of the loan ( {$140000.00} on XX/XX/2020 and {$6000.00} and on XX/XX/2020 ). 
The lender ( Wells Fargo ) failed to consider in their payoff computations this reduction in principal for the month of XXXX when determining the amount of payoff for XX/XX/2020. 
Because I prepaid my XX/XX/XXXX mortgage payment on XX/XX/2020, I am warranted an interest credit for the month of XXXX of more than {$350.00} since there was a reduction in principal during the month of XXXX. 

No Resolution : From XX/XX/2020 to date the lender ( Wells Fargo ) has not provided a resolution to this matter after speaking with at least 10 mortgage representatives and visiting a Wells Fargo Branch. Bank mortgage representatives have little knowledge in determining a loan payoff and only offer as evidence computer generated programs to support their case. Unfortunately, this issue can not be merely resolved by this process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-13
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX is reporting a medical collection account that I have disputed with the original provider and told XXXX that I was in dispute. I had insurance, the provider received authorization from the insurance company and the provider never billed the insurance. When XXXX contacted me I told them I was in dispute with the original provider and they still reported it to the agencies but did not send me anything to verify the debt even though I asked for it. They continue to ignore my requests to verify the debt yet they also report this unverified debt. This needs to go back to the provider so I can take care of this. This is in direct violation of the Fair Debt Collection Practices Act ( Federal and California ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: NY
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 did not consent to, authorize nor benefit, from any of the following inquiries. Block and remove the following that's on my 604 letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX  for {$1000.00} they refuse to remove this account it must be blocked off the credit report since it's Fraudulant they have been reporting it for a long time now in correctly the police report states that my Social Security card was stolen with my ID and passport also XXXX XXXX XXXX is a fraudulent account for {$370.00} also XXXX XXXX XXXX for {$33000.00} someone named XXXX XXXX stole my information and rerouted my mail to his residence opened fraudulent bank account under my name and was making payments for XXXX account my phone number was spoofed from His mobile ip which was traced to make it seem like it was me opening the accounts and talking on the phone also he stole my email information and opened accounts under my phone number and emails XXXX refused to block XXXX XXXX XXXX  account since my information was stolen it can't be verified that it was my social since my social wae stolen and passport and id as indacates on the police report

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 2018-08-01
Company: Americas Car-Mart, Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Purchased vehicle and received title once debt was paid in full. Went to get a credit report and there's a charge of {$160.00} from America 's Carmart.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hard inquires ran without consent

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 2018-09-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX keeps calling me for a debt I do not owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29
Company: Western-Shamrock Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After filing a complaint on yesterday with CFPB in regards to repeated phone calls and a cease and desist, I received a response from CFPB this morning in which the company stated that they have ceased calling my family and friends and will continue to call me. Well, that has been determined to be a lie. All 3 of my references received a phone call on today, XX/XX/2020 but I, personally did not receive a call. I called the office and told the lady that I would call in everyday that way she did not have to call me and she stated that she still was going to call me and all of my references EVEN IF I call the office each day until payment is made, which makes no sense if I have already informed them by calling of the status of that payment. This further proves my harassment claim. The fact that they would blantantly lie to a government agency speaks volumes for the moral of this company. I do not understand their obsession with defrauding the government by providing information that they knew was not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Bank of America accepted two years old check which was also a duplicate transaction. Money was deducted from my account two times for this check, first time on XX/XX/XXXX and again on XX/XX/XXXX. 
This is how it happened, I got activity alert for my account. I verified my account and found a check was deposited so I contacted bank on XX/XX/XXXX. Their Customer Support Representative gave me check number and the date that was written on it. I started verifying my bank statements for that date and found what happened. This transaction initially shown as " processing check '' in my account but they removed this entry on same day. They credited amount now and it is showing as " Credit adjustment request honored ''. 
I wanted to complain the following : 1. They are not supposed to accept more than 6 months old check but they did. 
2. Check should be verified before accepting it, seems it was not happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: CT
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:
I have student loans which have been in default but for the past 3 to 4 years the monies have been coming directly out of my paycheck. And when the CARES Act was initiated, the company I work for suspended payment to the company named XXXX XXXX. I am trying to move into an apartment and I was denied then I looked at my credit score and it had tanked tremendously. I did file a dispute with XXXX   but I was not sure if I should do the same with the other credit bureaus. I was told by XXXX that it would look like non-payments because there were no payments made. So I asked what about the CARES Act and was told that it did not apply to defaulted loans. But when looking at your site I read the following. ( From your site ) If your federal student loan is already in default, The CARES Act requires the Department of Education to stop the collection of defaulted federal student loans, including garnishment of wages and the offset of tax refunds and Social Security benefits, through XX/XX/2020. * There is no additional action required from you for your federally- owned loans. For all other defaulted federal loans, contact your loan holder to find out about your options. 

If you are rehabilitating a defaulted student loan, any missed payments through XX/XX/2020, * due to the coronavirus pandemic will not be considered a missed payment against your rehabilitation. 

Can you help me in this matter. I just want my credit score to be reflected that the payments are being paid or stopped due to COVID 19. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: SYNCHRONY FINANCIAL
State: AZ
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: Was not notified of investigation status or results

Complaint:
My client 's information was used without her consent to submit several fraudulent application for credit. While the accounts associated were not established the inquiries related to the applications were found on her credit reports. Among the creditors are XXXX XXXX ( dispute submitted XX/XX/2018 ), XXXX ( dispute submitted XX/XX/2018 ), and PayPal ( dispute submitted XX/XX/2018 ). Per FCRA 45 business days total is allowed for investigation of fraud issues and the consumer shall be notified of the results of the investigation. As of this date my client has not been notified of the investigation results from these fraudulent applications.

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 2020-08-29
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mercantile Adjustment Bureau has reported a collection account to my consumer credit file.I do not owe this alleged debt! Mercantile Adjustment HAS NOT SENT any written notice of collection to me at all. This is a strong violation of the FDCPA! If Mercantile Adjustment Bureauhas the right to collect in accordance with the FDCPA I am asking for validation of this account. This includes ALL  CONTRACTUALDOCUMENTS stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt in question in which Mercantile Adjustment has reported to my consumer credit file. Mercantile Adjustment has no legal right to attempt to collect a debt as this does not belong to me. Again Mercantile Adjustment has not validated this debt nor sent me any  notice of collection

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: College Foundation, Inc.
State: NC
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:
I attempted to renew my income based repayment program and the paper never went through after repeated attempts. In XXXX of 2015 I began consolidation of multiple student loans. College Foundation of North Carolina was notified. They delayed the consolidation process and while my loans were in the consolidation process the continued to report them as being delinquent and past due. I have submitted several disputes about this with them. I had issues with the other student loans companies that were part of the consolidation and those issues have all been fixed. College Foundation North Carolina admitted to the mistake on there end but refuses to change the reporting on my credit report. Currently the account is closed and paid % 100. There is also a period of late reporting which was caused by them not processing my deferral request after several attempts. CFNC was very hard to deal with they were one of the only lenders who did not except electronic submission of documents and there was no way for me to confirm that they had actually received documents or processed them in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Experian Information Solutions Inc.
State: MD
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 am repeatedly having problem 's with Experian, investigating and deleting this fraudulent address from my credit file. I have contacted Experian several times requesting that they investigate a fraudulent P O Box address listed on my Experian Credit file. I have called them and been given the run around. I have written disputes, and been advised that they could not honor my request. In addition some of the information that I am disputing in my Experian Credit report is attached to this address. This is not nor has it ever been my address.

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 2018-07-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was charge XXXX for a daily monitering program for my credit score through Experian. I originally payed {$0.00} for a one credit score and a report which I used for a rental application.

There was no mention that I was signing up for an on-going service. If there was a mention it was not clearly stated.

Experian charged me {$21.00} on XX/XX/2018. I just saw the charge and immediately cancelled the subscription i never signed up for. 

One of the account closing questions was " i didn't know I was signed up for an on-going service. '' This makes it clear that they have had this issue before and haven't done anything to take care of it.

Experian is supposed to help consumers to understand their credit, not trick them into service plans.

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 2018-10-08
Company: EQUIFAX, INC.
State: MD
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 have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..This is the account XXXX XXXX XXXX XXXX which is reported 9 times on my credit report which is absolutely ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I visited XXXX XXXX to sign up for personal training sessions. I received a XXXX XXXX XXXX XXXX XXXX and the XXXX that I take causes me to XXXX XXXX which is why I wanted to visit a trainer. I am XXXX XXXX XXXX and have XXXX in my XXXX XXXX   and XXXX in my XXXX XXXX. When I visited XXXX XXXX, I explained this to the representative XXXX XXXX and that I am unable to read the contract. XXXX stated that she would review the contract with me. During this time, I was unaware that the trainers were through a third party company called XXXX XXXX. During my time with my trainer ( XXXX XXXX ), he cancelled XXXX weeks of training in XXXX, XXXX weeks in XXXX, and XXXX week in XXXX. On XX/XX/XXXX I learned that XXXX XXXX was terminated due to credit card fraud. At this time, I submitted a certified letter requesting to cancel my services and cancelled my credit cards to avoid my information getting compromised. I received a call back from XXXX XXXX stating that in order for me to cancel I owe last months payment and {$100.00}. I explained to her that I will not be paying them any more money due to not ever being told I can't cancel my service. I also told them I was not comfortable giving them my credit card information due to the credit card fraud that occurred at this company. I spoke with my trainer after this and he was stating that he could make up the cancelled sessions from earlier and that his checks that he receives from XXXX XXXX bounce. Because of this I paid him {$140.00} through bill pay on XX/XX/XXXX and {$120.00} on XX/XX/XXXX. I continued to receive monthly phone calls from XXXX XXXX about my balance. I repeatedly told them that I was not paying them anything and that my service was cancelled. I also explained to them that I paid my trainer in XXXX and XXXX. I sent them a copy of the receipt and they said they would credit my account. In XXXX, I submitted a complaint to Better Business Bureau in which the case was closed due to XXXX unsuccessful attempts to receive a response from XXXX XXXX. XX/XX/XXXX I then received a letter from Aldous and Associates stating that I owe {$2200.00} because of my agreement with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I received this email from Experian ( of which i am not a member - so its a spam email looking to gain business ). 

" Experian Membership ID # XXXX Member Sign In Introducing your free FICO Score, XXXX See your score " When you click the see your score link, it requires a login and acceptance of a membership with Experian. 

Once you have done this, you are taken to a page that tells you your credit REPORT is free but you must PAY for your score. Which is the clear and absolute opposite of their email. 

This is flat out theft and fraud, perpetrated upon millions of people looking to get their credit information. 

Please prosecute Experian to the full extent of the law. Use of email to commit credit fraud is a felony.

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 2020-05-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020 I made Walmart to Walmart transaction they wont release money due to me needing to verify info but I cant get through to correct departments been on hold over 2 hours and this is an emergency situation It is a huge inconvenience they wont refund money or anything

Company response to consumer: Closed with explanation