BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-02
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2019-06-17
Company: Rocket Mortgage, LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I continue to have problems with Rocket Mortgage. The terms and conditions continue to change every time we go to close. I was to receive 2 months grace upon closing now it is 1 month. The amount has gone up {$1000.00}. The terms keep changing. If I had money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I paid Dovenmuehle Mortgage by automatic payment my monthly mortgage of {$1600.00}. The paymnet cleared my account on XX/XX/2020. After payment was sent, I received notice of a serving transfer. As of XX/XX/2020, I called the new servicer and no payment was forwarded from Dovenmuehle Mortgage to the new servicer. I called Dovenmuehle Mortgage and was not able to talk to anyone about this. I emailed Dovenmuehle Mortgage and no resposne was received. As of XX/XX/2020, Dovenmuehle Mortgage has not applied my mortgage paymnet, has not refunded it, and has not forwarded it to the new servicer. In short, they stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: CA
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:
This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXXXXXX XXXX XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX ACCOUNT XXXX : XXXX DATE OPEND : XX/XX/XXXX ACCOUNT NAME XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/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 2017-11-02
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
commonwealth finanicial has cause harm to my credit with XXXX XXXX XXXXt drop in my credit score with XXXX  credit breau without vaildating the proper procedure for debt collection according. FAIR DEBT COLLECTION PRACTICES

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I disputed information on my credit report for XXXX XXXX card to be removed because of age with the credit bureau, XXXX and the collection agency XXXX XXXX. This item still has not been removed and XXXX XXXX sent a letter stating they have not reported to the credit bureau since XX/XX/2014. So how is this account not removed from my credit report when they are supposed to report up to date information?

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 2022-03-02
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I received several app notifications from Chime about money being moved from my savings to my checking account and being spend on gift cards. I was at work when the notifications were being sent to me. My account was being hacked and they had access to my personal information. The amounts were {$300.00}, {$300.00}, {$100.00}, {$100.00}, {$300.00}, {$300.00} and they were all spent on XXXX gift cards. I then began receiving emails from XXXX about the purchases. That's when I realized not only have the hackers taken my money but they also now have my information. In total {$1400.00} was stolen from my account. I immediately contacted Chime to notify them about this and to tell them to freeze my account because the purchases were not made by me. Chime told me that I had to let the transition go through and they would dispute it after they went through. I also reached out to XXXX to notify them about an account being made in my name not by me as well as the purchases not being made by me. They informed me there was nothing they could do because the money on the gift cards had been spent already and to notify Chime. On XX/XX/XXXX I was notified that Chime would allow me to dispute the charges. Today, XX/XX/XXXX, Chime emailed me and notified me that there was noting they could do and alleged there was no error and that they were closing the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We have repeatedly contacted Bank of America and have received zero help. They will not provide a fax number for us to fax in our statement to prove they have unfairly billed us, and refuse to give anything but a mailing address which does not allow us to prove they received something. In addition, they realize the delay is causing my family financial harm and do not care. I have attached the statement where you can see they charged us two {$35.00} overdraft fees when the balance was over XXXX XXXX dollars, then two more on the following Monday where they cleared items in an order to maximize fees to them. They have already settled a suit years ago for this very thing. The remaining is a paste outlining my husbands details of this item. 

Bank of America has refused to resolve overdraft fee issue that is their fault. Reference the attached statement for my account. and you will see they have stolen from me, and also have repeatedly over the course of four days and five reps as well as two supervisors been dishonest. On XXXX/XXXX/XXXX my balance was {$4800.00} On that day I was charged 2 overdraft fees. One was reversed. I should n't have  even been charged an overdraft given my balance was well over the amount required to cover any transactions that day. On XXXX there was a charge for 1 {$0.00}, {$9.00}, {$5000.00} and {$90.00} They overdrafted my account again for the {$90.00} charge, and again for the {$5000.00} dollar charge. If they had put all the other charges through, I would have had only one overdraft fee, which would have been waived. Instead they charged me two overdraft fees on XXXX and two on XXXX/XXXX/XXXX. As a result I will not be able to pay other bills, which will result in approximately {$250.00} dollars in additional late fees for my mortgage and other bills. I have a copy of the printout showing that I am correct, and there should have maybe been one overdraft. The reps have repeatedly been dishonest with me when I can see the statement in front of me. Call me at the phone number I provide in this complaint with a fax number, I will send it to you and show you the statement. Further, their website repeatedly changes as to balances and fees, forcing me to make printouts to have proof, which I do have, and again, contact me, I 'll fax it to you. I also have screen print. These fees need to be reversed and I need to be compensated for my time and financial hardship. I would have made a deposit to cover, however due to the way they displayed my balances I was given zero opportunity. In effect, they did not display pending charges at any point, and instead changed balances at midnight without my knowledge. This is a shockingly overt dishonest way to do business.

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 2019-06-17
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XX/XX/XXXX, ( proof attached ). This operation was preformed XX/XX/XXXX. I would request this be DELETED from my credit report as it is INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2013 we declared chapter XXXX bankruptcy Bank of America held our mortgage but we never bankrupted our home or autos and they show that we bankrupted them. They have been contacted and they say they are correct and will not remove it from my credit report. This has cost me untold monies for higher interest rates on cars and refinancing my home. You may call my bankruptcy attorney, XXXX XXXX in XXXX XXXX By the way, I'm still in the home.

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 2019-06-17
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XX/XX/XXXX, ( proof attached ). This operation was preformed XX/XX/XXXX. I would request this be DELETED from my credit report as it is INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2021-09-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to fix this information directly with the bureaus for a while now and it's ridiculous. Experian has asked me to provide proof of personal information which I have. I've sent you a few certified letters with the information you requested and you still have information that doesn't belong to you. 
I only have one address and I need you to remove the other addresses that don't apply to me. 
I've sent you validation with my License and a few different utility bills. Remove these other addresses from my credit file.

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 2019-08-04
Company: Hidden Oak Group, Inc.
State: MA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
There are 2 related issues with this company ( collection/violation of Privacy ). I had an outstanding loan which I was told not to pay because the company had already written it off as Profit and loss ( meaning I should be receiving a tax form to include as income for my XX/XX/2019 taxes and that I would need to just pay taxes on the remaining balance-the company had already taken the loss ). The issue with this particular company XXXX XXXX XXXX starts on XX/XX/2019. I received a call from my husband questioning an outstanding loan. My husband told me he just received a call from someone named XXXX looking for me. My husband said he told XXXX he had the wrong number and identified himself as my husband. My husband gave XXXX my number and told him to contact me directly. XXXX then told my husband that he had attempted to contact me ( I had no messages of such ) and then asked my husband if he was aware that I owed this loan. My husbands reply was that he was not aware because we maintain our own finances. Once I received this call I contacted XXXX and recorded the conversation ( which he was aware of ). XXXX admitted clearly what he said to my husband and said he did not violate any privacy rights because Massachusetts allows for collection agencies to speak with a spouse - I explained to XXXX this was incorrect. I then told XXXX this was something I was instructed not to pay as it was already written off as loss by the loan agency so I didn't understand how his company obtained the file. XXXX insisted he was correct and that the company was in their rights. I have spoken to him at least 3 times since and explained that I was filing a complaint with the XXXX, CFPB, and Atty General as was advised by my Financial Counselor. I continue to get messages at least once a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
had multiple phone calls on XXXX XXXX 2017from # XXXX out of XXXX XXXX XXXX. Was told that I need to call another number before a lawsuit was filed against me then right after that the other number called which is XXXX. The person told me That he was from a lawyer office and I was trying to be reached by certified letter and could n't be found cause my address was n't correct, over a over draft bank account that was sent to collections. He was very demanding about getting it paid right then and it was {$1500.00} but he would take {$980.00} now. The account that he was trying to refer to was taken care of before I was able to open a new account, and the amount was only {$400.00}. I attach a picture of an email that he sent the day of on who he was where he worked and what he tried to get me to agree to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent Experian Fraud department multiple letters informing them that I am the victim of Identity Fraud. However the company continues to request documents I have already sent or tell me that they can not remove the inaccurate information from my credit report because the creditor may not know how to contact me and request that I contact them. I have contacted the creditor and Experian in regards to these fraudulent claims and both Experian and the creditor has refused to assists me in regards to this matter.

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