BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am filing this deceptive practice complaint with my mortgage company Rocket Mortage. XXXX XXXX XXXX paid me {$5300.00} for some damage to my home on XX/XX/XXXX claim number is XXXX. After fighting with the insurance company to get them to pay, the check finally came in XX/XX/XXXX. In order to cash the check, Rocket Morgage Company has to endorse the check. I sent them the check to endorse it and they didn't want to endorse it because I was behind on the mortgage and they were going to take that money from me for the account. I was in the Fourfance program authorized by the federal government due to Covid and that is the money they say I owe them. In XX/XX/XXXX and continuing, I started making payments again and the change was made as well. I asked to speak to a supervisor in the insurance loss department and spoke to XXXX XXXX. I explained the situation to XXXX XXXX and she told me that she had already reviewed everything and that they were going to send me the check but she demanded that my wife XXXX XXXX and I XXXX XXXX endorse the check. Actually we did not have to endorse the check and there I saw the malice and mockery of her, however the check was endorsed. It's been over 30 days and my check hasn't been sent. I call them and they tell me that I have to send them the damage report and that report was sent from the very beginning with the check. In other calls they tell me that I have to send them the details of the contractor who is going to do the repairs and that applies if I am really late. I have spoken several times with supervisor XXXX XXXX and it has been pure ridicule.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Experian Information Solutions Inc.
State: FL
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 left The XXXX at XXXX XXXX, Florida because of the danger of that environment increasing each day they let the XXXX move in to these unfinished apartments. On top of unfinished the crime rate exponentially grew the time i was living there. After the little child was XXXX in the playground I couldn't support living there any further. The collection has long since been removed from XXXX  Experian just has it out for me ...

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: CO
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:
On XXXX/XXXX/XXXX I paid a collection account in full with the agency ( XXXX # XXXX XXXX. I faxed documentation in the form of a receipt on XXXX/XXXX/XXXX to XXXX in order to update my credit file. I was advised that the receipt and review would take 48-72 hours. Upon learning on XXXX/XXXX/XXXX that this information still was n't received or reviewed, I faxed it again on XXXX/XXXX/XXXX to the same fax # and to XXXX XXXX at XXXX. XXXX provided a formal paid in full letter on XXXX/XXXX/XXXX and I faxed this to the dispute fax # and XXXX XXXX on this same date. On XXXX/XXXX/XXXX my file was finally updated to a {$0.00} balance for the XXXX account but still indicated an open status. The rep advised that they would need to dispute this status and submitted it for investigation. On XXXX/XXXX/XXXX XXXX sent Equifax notification indicating that the account was indeed closed. On XXXX/XXXX/XXXX a supervisor, XXXX  ', indicated that they received the updated info on XXXX/XXXX/XXXX but that Equifax has 30 days to close an investigation. I asked how this makes sense when they have they have the documentation to update the status and he continued to parrot Equifax 's 30 day rule. He then cold transferred me to 'XXXX XXXX in Consumer Affairs who indicated the same thing and told me that 'I needed to wait '. I contacted a corporate switchboard operator that advised me to ask to speak to speak to a CA Manager and transferred me to the XXXX upon which time I asked to be transferred back to the U.S. I spoke with 'XXXX ' again who refused to transfer me to a Manager and stated, 'I 'm the highest level available '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Chime Bank and used it to transfer my unemployment benefit payments from XXXX XXXXXXXX XXXX to my Chime Bank checking account. After several transfer deposits totaling {$5000.00}, Chime froze my account, asking me to provide proof of my identity. Providing gov't ID was not a condition for opening my account at Chime Bank XXXX I refused since gov't ID was not a condition of opening my account. The position that I stand firm on. Chime closed my account with a balance in the amount of {$5000.00} and emailed me this response. 

" After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review Section 9 titled Amendment and Cancellation of the Chime Deposit Account Agreement : https : //member.chimebank.com/account-agreement. '' The dates and amounts of my deposits are : XX/XX/20 {$4900.00} XX/XX/20 {$1500.00} XX/XX/20 {$1500.00} XX/XX/20 {$1500.00} I filed a claim through XXXX XXXX XXXXXXXX XXXX but Chime refused to release my funds and transfer them back. I have written Chime by email asking for their legal counsel 's name and address and they have refused to provide this information. 

My position is, no matter what the reason for Chime 's decision to close my account, once making that decision they should either issue a check for the full amount in the closed account and mail it to the address on file, or return the funds back to the original source of the fund 's transfer " XXXX XXXX XXXXXXXX ''. I do not understand what legal bank precedent Chime Bank is using to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21
Company: Ability Recovery Services, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX removed this credit file and keeps reinserting it. They have NOT sent me 5 day as required by Federal Law and in violation of fdcpa 805. communication in connection with debt collection. I do not owe them anything as I have never done any business with this company period nor have received any documents to confirm I owe XXXX XXXX. They are continually violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX payments XXXX, XXXX and XXXX for {XXXX Charge off. This is not my account. We never received statements but learned this was on my credit report in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
NAVIENT The following PRIVATE loans were taken out to attend XXXX XXXX in XXXX Loan 1 dated XX/XX/XXXX original principal {$5800.00} Loan 2 dated XX/XX/XXXX original principal {$5200.00} Loan 3 dated XX/XX/XXXX original principal {$5200.00} The last page of each ACCOUNT HISTORY attached shows fraudulent beginning unpaid principal balances of the following and not the correct original principal balances listed above : Loan 1 {$6300.00} Loan 2 {$11000.00} Loan 3 {$11000.00} On XX/XX/XXXX Navient has a resale line item on each of these loans taking off fraudulent amounts.

Loan 1 {$6300.00} Loan 2 {$6400.00} Loan 3 {$6400.00} From XXXX to XX/XX/XXXX 5 YEARS Navient was charging capitalized interest on fraudulent amounts plus on my original loan principal amount. Navient was reporting fraudulent amounts that grew to the credit bureaus creating my credit to be improperly damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Called Capital One Bank around the first of XXXX, XXXX to learn what happened to my money in my savings account with ING DIRECT which a summary of my account with ING dated XXXX showed a balance of {$50.00}. The person answering the phone at Capital One discovered that ING DIRECT which had been bought out by Capital One, had deducted {$25.00} as a dormant charge on or around XX/XX/XXXX and subsequently in XX/XX/XXXX sent the balance of my account to the State of Oregons unclaimed property department. I did not know of any dormant charge policy by ING DIRECT and had they sent me a notice to my address which they had on file, of money from my account going to unclaimed property in OR, I would have taken care of the situation. Now I have to go through the hassle of filing forms and getting OR to send me the money they owe me. 
I was told by Capital One customer service folks that if I open an account with them, they would refund me the {$25.00} dormant charge. On XXXX, I spent 1/2 hour on the phone with 4 different persons putting me on hold and transferring me to different departments to try and get me some help. The last person I spoke with said there was nothing he could do to help me recover my {$25.00} and would not transfer me to someone who had the authority to do so. Even after I read him an email from an employee there ( XXXX ) who said if I open an account with Capital One, they would refund me the {$25.00}. The 1st 3 persons I was hooked up with did not seem to understand about ING DIRECT being bought out by Capital One and did not understand what a savings account was.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-21
Company: AFNI 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:
This Company is engaged in unscrupulous practices by attempting to cheat the Fair Credit Reporting Act allowable time to collect a bad debt by engaging in re-ageing the account in question. I opened an account in XX/XX/XXXX and decided to break the contract because of unfair billing. The account was then charged off and place on my credit I monitored my credit report and noticed that it was put back on my credit as being opened in XX/XX/XXXX in direct violation of current credit reporting laws. I contacted the collection agency to no avail. So I would like to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: AL
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 received an update on XX/XX/2022, concerning DEPT OF EDUCATION/XXXX XXXX This is my third time trying to get this issue resolved. You continue to ignore the violations you are breaking by reporting information that supposes to be excluded from my consumer credit report. You ignore my dispute and place the blame elsewhere but you are the one WILLFULLY VIOLATING THE LAW which is another violation. By law, you can not continue to ignore and break the law. It will not hold up in court. Updating my credit report is not fixing the issue when you suppose to delete whatever violates FCRA Laws. This is causing me to get denied credit, causing stress, and is damaging my reputation. If you continue to be a lawbreaker I will have no choice but to sue you for the damages you have caused. It's a shame I have to continue to go through this cycle because you continue to not comply with FCRA Laws. It is very annoying, tiresome, and stressful. Please obey the law! If this doesn't get resolved I will file a lawsuit with damages.

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX bank {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX  ( {$240.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello! 

An employee of Love, Beal & Nixon, P.C fraudulently charging my debit card for his insurance plus he tried to spend {$470.00} at XXXX online when my bank called and shut down my card because of abnormal activity on XX/XX/XXXX. An employee of Love, Beal & Nixon, XXXX XXXX XXXX, called me from a different number ( his cell phone ) at XXXX XXXX to tell me my card number was invalid. I then explained to him that yes it is because I had some fraudulent charges on it. He seemed sympathetic etc and I told him that I would be getting a new card and would call him with that information. I called his office the next day, because I thought it was odd that he was calling me at XXXX and asked to speak to a supervisor. The man that answered the phone said he no longer works there. XXXX called me the next day while I was on a lunch break to ask if I had received a new card. I said Im a little confused because originally you told me that Love, Beal & Nixon does not accept debit cards and if you dont accept them why would you need it? He said because it would be a backup in case I didnt pay. I then informed him that I called the office and they said he no longer worked there. He denied it and asked who said that? I told him I didnt catch his name. I told him to call me back around XXXX and I would get the card and give him the number. He never called and Im assuming he knew that I knew it was him that did the fraudulent charges. I called Love, Beal & Nixon because I never got a call back, and asked to speak to a supervisor. The lady said she could help so I told her the story. She said you need more than a supervisor and placed me on hold. I spoke with XXXX XXXX, General Manager and told him my story again. He said XXXX no longer works there and that the XXXX had done this to another lady and she was filing a police report and that they, XXXX, XXXX XXXX XXXX, were filing something also. He asked me to fax him a copy of the police report when I got it. 

Love, Beal & Nixon P.C. took me to court over an old credit card debt. The credit limit was {$300.00} or {$400.00} and now is {$2600.00} that Love Beal & Nixon bought from XXXX XXXX XXXX XXXX. I asked if they would drop the interest off and I was told that he would fight it and so I agreed to pay {$50.00} a month. I would think that Love, Beal & Nixon would have some type of responsibility for their employees. I have written an email to XXXX XXXX on XX/XX/XXXX and as of today XX/XX/XXXX I never received a response to that email. I did receive a letter dated XX/XX/XXXX saying they have n't received my payment. I do not think that I should owe anything on this debt after an employee of their company wrongfully used my debit card. That person would have never had my debit card number if he was not a collector on an account of Love, Beal & Nixon. They have some liability for this/his action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
1 ] in accordance with the Fair Credit Reporting act, XXXX  XXXX  Account # XXXX, has violated my rights. by placing misinformation in my credit report. 

2 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights by placing misinformation in my credit report. 

3 ] in accordance with the fair credit reporting act, XXXX XXXX  XXXX XXXX account number # XXXX. has violated my rights by placing misinformation in my credit report. 

4 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

5 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX has violated my rights by placing misinformation on my credit report. 

6 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

7 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX  account number # XXXX has violated my rights by placing misinformation on my credit report. 

8 ] in accordance with the fair credit reporting act, XXXX account number # XXXX, has violated my rights by placing misinformation on my credit report. 

i try to resolved this plights with this named creditors aboved numerous time either to come to the same conclusion or not get a reply. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-02-15
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:
I have asked the third party in many occasions to provide proof of any documentation of accounts I'm disputing be sent over to me. I haven't got the right proper response ever since the investigation.

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 2017-11-06
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I am looking at my credit file and I notice a few error on my file. I live ar XXXX XXXX XXXX XXXX OH XXXX. Please remove the following address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
The follow accounts are not mine XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: VALLEY NATIONAL BANCORP
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:
On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 Valley National Bank ( XXXX XXXX XXXX, XXXX NJ XXXX - XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
American Express will not dispute a charge despite me having XXXX and being sick. 

The charge was on XX/XX/XXXX and was for XXXX. The merchant said they were having a systems problem and would refund me later. They only refunded XXXX, which is a simple mistake. 

American Express is refusing to help me, thus breaking their user agreements. 

I have tried for months and they still, for some reason, will not dispute the XXXX difference. 

This is my last step before I sue.

Company response to consumer: Closed with explanation