BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a question regarding my mortgage servicer. After being placed on a loan modification program throughRocket Mortgage because of financial hardship, I was notified that my mortgage servicer changed. I had already set a payment schedule with Rocket Mortgage for XXXX, XXXX, & XXXX of {$1400.00} per month. When I contacted the new loan servicer, XXXX, I was informed that they would no longer honor my previous loan modification agreement even though I had already scheduled the payments with Rocket Mortgage. 

As I understand, the new loan servicer is only collecting the payments and everything should remain the same on my mortgage. However, I am being asked to go through underwriting with them. Please advise.Thank you. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
BBVA Compass Credit Card Account
On XX/XX/19 I sent Request to Cease Further Communication.
On XX/XX/19 received back signed delivery receipt.  Signed by XXXX XXXX.
Since that date I have received 3 phone calls to request payment or could be referred to collection agency. 1st call was approx XX/XX/19.  2nd call was on XX/XX/19 @ XXXXXXXX.  3rd call was onXX/XX/19 @ XX/XX/XXXX/XXXX.  I advised each caller about the Cease Request.
The amount owed = $XXXX
I am on a payment plan with XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, 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:
Equifax ; XXXX  and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( MediCredit, INC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of Jennings : Markeisha> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

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: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax yesterday to submit a dispute regarding the inquiries that are present on my Equifax report that I do not recognize and did not authorize. The customer service agent repeatedly denied my request to initiate the dispute over the phone. I want Equifax to investigate the inquiries present on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-10-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX for XXXX XXXX XXXX XXXX, is reporting on both the XXXX  and the Equifax reports. I have requested from them to remove an inqury and they have sent me letters stating that they put in for it to be removed from my credit report because I did not authorize it. However, both XXXX  and Equifax still shows it. XXXX did remove it. Even though XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has sent letters to the bureaus, and I have sent letters to the bureaus. They still refuse to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I uploaded a letter to XXXX, XXXX AND TRANSUNION and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. XXXX sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX doesn't have any files to verify this account, nor will they delete it.

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 2019-08-19
Company: KEYCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2019 Keybank placed a legal hold in reference to XXXX XXXX XXXX - Account # XXXX  - XXXX XXXX XXXX, XXXX, MI XXXX    (XXXX)XXXX. The above company used fraudulent information in order to convince the XXXX District Court  Case # XXXX - Judge XXXX XXXX XXXX to issue a garnishment against me when I had a legal binding contract with XXXX XXXX XXXX for $XXXX monthly with a balance of $XXXX.The balance in the Key Bank account $XXXX was not my money and in fact it was a deposit by my husband - XXXX XXXX XXXX.  Therefore this transaction is illegal and this money must be returned to my husband - it's rightful owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I lent my vehicle to a third party and he got into an accident on XX/XX/XXXX, during which the vehicle was totaled. The insurance company wrote a check to myself and this third party for the total loss of my vehicle using the word " and '' in the amount of {$9500.00}. This third party had the check re-routed to his address and was able to deposit it into a Wells Fargo ATM without my endorsement on XX/XX/XXXX. 

I have spoken to numerous employees at Wells Fargo, both in branches, and on different customer service telephone numbers since XXXX of XXXX. I was re-directed more than 5 times and no one gave me an answer. I have sent numerous emails and visited branches several times over the past 18+ months. Most recently, a branch employee helped me open a case in XXXX. I received an automated email stating that they would get back to me within 10 business days. I heard nothing. I received similar automated emails pushing the date further out, yet with no response. Not one employee knew where to direct me to get this matter resolved, nor has anyone responded.

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 2021-10-04
Company: Steel River Systems, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
An unusual company is trying to collect on an old debt of mine that is 4 years beyond the 6 year statute of limitations, last paid on in 2012. I am asking for dismissal of their collections efforts 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 2020-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a message via messenger from who I thought was my boss. After conversing back and forth. My " boss '' gave me a name of a person from the federal government that was working on giving people grants and he said he got one for his business. I am in the process of starting my XXXX  XXXX, so i was interested. My " Boss '' gave me the information to text the " Fed '' guy and to ask to be set up to apply for a grant. So I did. He ask me for the following : My name, address, mothers name, my birthdate, age, email, job position, my phone carrier and my phone number, marital status, income and what mode of deposit do i want and a copy of my drivers license.

Unfortunately, i sent all this information.

Than he said depending on how much the grant I want I need to send them money which would cover the taxes on the grant. Which I did through bank transfer.

He asked me to send him a copy of the deposit receipt into the " federal government '' bank account through my bank.

- I was scammed via a bank transfer to another Bank of America account. When I found out it was a scam I immediately contacted Bank of America, my bank to cancel the transfer which was not finalized & they said they could not do it & to call the next day.
I called today XX/XX/XXXX and basically they said theres nothing they can do even though the scammer has an account with Bank Of America. I lost {$2000.00} from a scammer using of Bank of America.

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 2019-10-30
Company: Experian Information Solutions Inc.
State: LA
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX  XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2023-06-09
Company: EQUIFAX, INC.
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: U.S. BANCORP
State: NH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
XX/XX/2020 received a Debit Visa Card in the name of XXXX XXXX that appears to be Ohio Unemployment Insurance Program. I do not live in Ohio and have not applied for Ohio unemployment. 

XX/XX/2020 Called Cardholder Service at XXXX and could never get through the holding cycle of the phone system. 

I do not want this card never requested this card and do not want it to affect by credit.

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 2020-09-03
Company: Palm Beach Credit Adjustors, Inc
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt is false. Firstly, I do not live in the US. While in America, I had to go to the ER to have something checked out, I have FULL insurance coverage for everything. I provided ALL of my insurance details to everyone I had contact with at the hospital, and afterwards when contacted. I did the same for my insurance company, and confirmed by all parties that all was taken care of. 

Now, almost a year later this company, whom I've had zero contact with, at all. Filed a negative mark on my permanent credit history. This is completely unacceptable, and an illegal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and 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 2023-01-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX XXXX  stolen money using Wells Fargo data

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 2020-12-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX born XX/XX/XXXX, XXXX, and I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from Credit Management of XXXX trying to collect a debt that I do not owe. Refused to send me an itemized statement of the alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 attempted to access the TransUnion Website (https://www.transunion.com) on XX/XX/2019 to obtain a free copy of my credit report. I followed the links on the website to what I believed were the steps required to have TransUnion pull a copy of my free credit report. However, I was charged $XXXX. Nowhere was I shown a confirmation that I would be billed or what my credit card number would be used for. The website was deceptive and difficult to navigate. After searching for about 30 minutes and multiple web searches, I finally was able to cancel my subscription. I then tried to call TransUnion to dispute the charge but I was never able to get anybody on the line after waiting for upwards of 30 minutes.

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 2020-11-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Upon reviewed my files, I notice a Wells Fargo Checking and Credit Account open under my information without authorization and permission, I notice there is predatory practice by the institution to incurred a large amount of transaction and keep incurred hidden fees without my permission and acknowledgment.

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 2021-02-05
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They keep sending text at XXXX XXXX and when I called to complain they said I had a credit card owed from 20 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX OF XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX & XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation