BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company is Quicken Loans. My loan officer was XXXX XXXX. 

On XX/XX/XXXX, After discussing my finances and income with XXXX, I was initially approved for a purchase amount of {$400000.00} and a mortgage amount of {$380000.00}. I received a pre-approval letter with these amounts listed on them, but the " finances and assets verification '' box was not checked off yet. When I inquired about this, XXXX told me all were approved, it was just a matter of getting the new document uploaded and that I was clear to make an offer on a home. 

I made the offer on a home that I liked, but thankfully ( now ) it was rejected. On XX/XX/XXXX I inquired about my finances and assets verification again and I was given the same story by XXXX, that they were backlogged and underwriting just hasn't uploaded my document yet, but he guaranteed all was verified and that I was approved for a mortgage of {$380000.00}. 

After never seeing an updated approval letter and not hearing from XXXX. I suspected something was wrong so I held back on making a second offer on the home. Saturday XXXX XXXX texted me and asked me to upload a dispute removal form to remove some negative marks to my credit. Then my mortgage amount was lowered to {$320000.00}. 

XXXX called me on Monday night XX/XX/XXXX at XXXX. He said we should have a meeting the next day to discuss options for my mortgage. We set a meeting for XXXX on XX/XX/XXXX. I received a text from XXXX at XXXX on XX/XX/XXXX saying he was no longer with Quicken and that a new officer would take over my account. 

On XX/XX/XXXX I called Quicken and XXXX XXXX was assigned to my account. After reviewing my account, he then lowered my mortgage amount to {$270000.00}. 

Now all of this doesn't necessarily sound like a " complaint '', just my inability to get a mortgage. I understand that. However, XXXX told me that XXXX XXXX was fired for making too many mistakes on customers applications, such as " inflated income amounts ''. Apparently, XXXX told underwriting that I made $ XXXX when I do not. This ordeal wasted 3 weeks of my time, the seller 's time and the agents ' time. It seems like loan officers are benefiting in inflating income amounts in a " shoot now ask questions later '' fashion, offering loans that people may not be able to handle ... as seen in XXXX. Quicken loans sales tactics are aggressive and based on false numbers and numerous credit checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my three credit bureaus reports on XX/XX/2018 and noticed a tradeline unknown to me listed as collections. Company : DIVERSIFIED CONSULTANTS , INC . 
To challenge the reporting and compliance on listed account that is being reported on my credit report with incorrect/missing info. Data that appears on terminal screens to credit bureaus centre and collection agencies operators may have masking dynamically applied based on user security permissions. Not based on consumer reporting.This improper procedure is highly damaging to any consumer. Also I am very litigious in small claims court and forwarding today in contacting DEPARTMENT OF BANKING to investigate DIVERSIFIED CONSULTANTS , INC . for FDCPA, FCPA also FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On the date XX/XX/20 I sent a letter regarding inaccurate and unknown items on my credit report. 

To this day, which is over 50 days later, I have not received a response from any of the bureaus. I feel like I'm being taken advantage of and my disputes are being ignored. 

Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 50 days! 

With that reason, alone, they should be deleted promptly. I demand these accounts be eliminated immediately or I will file for litigation due to the stress the bureaus have caused my life, and family. 

Upon deeper research, I have discovered that I may have been impacted by the XXXX  data breach and my information may have gotten into the hands of the wrong person. I need some, serious, urgent help. 

Thank you, XXXX 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 2020-12-11
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: Information belongs to someone else

Complaint:
Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX XXXX XXXX XXXX -XXXX 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 2018-03-02
Company: CAVALRY INVESTMENTS, LLC
State: CA
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 bank account had a court ordered hold placed upon it and when I contacted them, I was told that a debt collection agency, called Cavalry Portfolio Services, had done so. I received some paperwork about the debt from the collection agency after I contacted them, and found that they delivered paperwork in 2015 to a XXXX  woman, and did not get her name. No one of that description lives at my residence and I have no knowledge of opening the credit card with the original credit, XXXX XXXX XXXX XXXX.. The bank deposited the amount that was originally in my account back in my account, which I used to pay bills, and afterwards another hold was placed. The bank does not who placed this hold, however, I am suspecting it is the same collection agency. They have also caused my balance to be negative because I used the previously released funds to pay my bills. This a case of identity theft as I did not open this credit card at all and was not notified of any balances I had due nor did I have any inkling of who opened the account or that it had been opened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I made a parcel payment on my title loan on XX/XX/XXXX my balance was XXXX. My initial monthly is XXXX. On XX/XX/XXXX my checking account was debated for XXXXOn XX/XX/XXXX I went into the store and made my payment of XXXX thinking that my account is now current. On XX/XX/XXXX after XXXX my checking account was debated again for XXXX. I called speedy cash and I called the store in which I have the title loan. I had to wait until the money cleared my account and take a copy of my bank statement showing the money taken.Well finally when I went into the store I was told I had no moneies owed to me, because theXXXX was past due interest on top of my partial payment totaling XXXX which includes interest. I think this is very shady practice on speedy cash because you are not informed that you can be charged double the interest when making partial payments and not a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: NY
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 do not own a XXXX XXXX  credit card. I am a victim of identity theft.

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 2018-07-12
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, this company reported a debt to my credit report that was not accurate. I called them and explain to them that they client never filed a claim under my health insurance to get paid. Even that I provided them with the insurance information. 
Furthermore they clients received a certified letter from my attorney in XX/XX/2018 stating that any bills that is not paid by the health insurance will be cover by the accident settlement. I also called XXXX XXXX XXXX that I formed me they received the letter and advised all their physicians account managers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, 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:
According to the FCRA, any item that is proven to be inaccurate has to be removed from my credit reports. Please note that XXXX  is reporting inaccurately and the account lists many inconsistencies. This item was in dispute with XXXX on XX/XX/2020 and somehow it returned valid. I immediately sent over a MOV ( method of verification ) and it returned as remain on XX/XX/2020. The report number is XXXX. I havent received any paperwork on this account and the bureau ignored my request for the proper MOV. How were you able to verify so quickly and HOW? I feel like I am being treated unfair and this company is being allowed to destroy my credit reports and character. My reports are a reflection of ME. 
This item needs to be removed from all three of my credit reports as it is in fact reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently pulled my credit report and seen there was accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act XXXX FRCA XXXX, section 623, subsection ( 8 ) ( D ). 
The following account is listed below : XXXX  XXXX  XXXX  # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX 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 2020-12-11
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am a Federally Protected consumer. XXXX has violated several Federally Protected Consumer rights under FDCPA 15 USC 1692 in an attempt to collect an alleged debt. I initially mailed Bridgecrest a debt validation letter certified which was delivered on XXXX XX/XX/2020. They did not send proper validation. They have called me while in possession of my cease and desist which is a violation of 15 USC 1692c ( C ). I notified Bridgrecrest in writing with a sown affidavit of truth stating the facts and citing each violation line by line which was delivered on XXXX XX/XX/2020. I received a letter from Bridgecrest 3 XXXX threatening to repossess my property. They are conducting unfair debt collection practices. As stated I am the original creditor, natural person and I extend credit to financial institutions. Bridegcrest has failed to provide me adequate information on where the credit comes from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm Very Upset About this situation that I'm Dealing with Identity Theft someone is using my personal information without my 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 2020-12-11
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was supposed to get {$1000.00} dollars by wells fegro and I didnt receive anything I was scammed and Im struggling through this pandemic please I need it Im in debt

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 2019-03-05
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:
Due to identity theft you do not have my full information. My full name is XXXX XXXX XXXX XXXX please add XXXX to the end of my last name. All of my identity theft fraud theft ect was with out this. Please correct this on my credit reports and letters you send me in the mail. Also the numbers on my fraud alert one is right XXXX but this one XXXX was tided to the person who stole me identity. Please fix the fraud alert. Just keep XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: GREAT LAKES
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Great Lakes has not informed us appropriately about how income-driven payment options would allocate monthly payments for my wifes student loans. My wife has been enrolled in income-based and/or income-driven plans for student loans. We made {$1000.00} monthly payment for first year and than increased payment to {$1800.00} monthly in second year. Almost all of our payments were allocated to the interest, esp graduate plus loan payments. Therefore, our total loan payments increased by at least $ 18-20K since she graduated from the XXXX school. I have personally called them many times to pay the loan amounts in a greater portion to reduce the principal amount. During those calls, they never discussed about how we can pay on monthly basis to reduce the principal amount. It seems that greatlakes failed to discuss the minimum amount needed beyond the {$1800.00} we have been paying to reduce the principal amount. Therefore, providing very poor customer service, not looking into the best interest of the borrowers, pushing the borrowers into more debt amount. This is very unethical way of doing business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.

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 2021-11-29
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: U.S. BANCORP
State: PA
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:
I received a US Bank Reliacardin the mail in the week of XXXX XXXX, 2020 and did not request the card. I can not get through to anyone at US Bank to make sure it is not active. This looks exactly like a legitimate Visa card but I read online that there is a fraud scheme issuing false employment benefit cards especially to retired people or those who may have been part of a past fraud scheme. 
I am working and was part of the XXXX  and XXXX frauds a year or so ago. 
I did not activate the card but began the activation process before hanging up, thinking that if I activated it I could finally contact someone to close it - then thought better of that move. 
How can I check to make sure this card is not active?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$4000.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. 
Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.7 Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.

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 2018-07-28
Company: Experian Information Solutions Inc.
State: MA
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: Other problem getting your report or credit score

Complaint:
Applied for a car loan and was given an interest rate of 20 %. Experian report can not provide a FICO report. All my auto loans and student loan was paid on time an never late. I must be provided a FICO score for auto loan Dispute # 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 2020-08-31
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Received a large deposit into my checking account at Chase from Massachusetts PUA unemployment of {$18000.00} on XX/XX/XXXX. I paid some bills and withdrew {$7000.00} in cash inside a chase bank. On XX/XX/XXXX about XXXX XXXX EST, I received a text message on my cell phone that my phone number had been removed from the chase mobile app and to call to get reset to be able to get into my account. I called and found out about 20 minutes into the conversation that in a review of my account/ that chase had made a decision to closed my account within 10 days and would send any remaining funds in my account to me/ no reason was given as to why my account was being closed. 
I called on Monday, XX/XX/XXXX and was told a different story by a fraud department representative that my account was being closed due to chase had been informed that all persons/ who had an account with chase and received a large deposit from any state unemployed/ their accounts were to be restricted/due to states unemployment had been hacked and the unemployment offices was not sure who was to receive unemployment and they was waiting on Massachusetts to let them know if I was entitled to the benefits. Told me to keep checking back. On the XXXX, I was told by representative my account was closed and I was asked if I wanted my funds mailed to address on file or if I had a different address/ I stated that could mail my funds of {$8300.00} to the following address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, because I would be there for the next few months to care for my sick mother. On the XXXX, I called and spoke with another representative who said that chase could not release my funds to me/ provided no explanation and I asked if I could go to a branch to get my funds released and was told no. I asked would funds be sent back to Massachusetts PUA unemployment and was told no to that as well. My account is closed and that ended my relationship with Chase and there is no reason chase is still holding my funds.

Company response to consumer: Closed with explanation