BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-06
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX - I applied for a home mortgage with Quicken Loan website and a banker contacted me to ask for all confidential information ( income, debt, credit report, assets, etc ). 
XX/XX/XXXX - Quicken Loan requested my current credit report. XX/XX/XXXX - Quicken Loan
contacted me via online email saying my debt to income ratio can not qualify for mortgage with them. I totally understand the reason and rejection. 
XX/XX/XXXX - Another Quicken Loan banker " XXXX XXXX '' blind called me that she can help me get the mortgage approved this time and ask me again a lot of information. As she walk through the term and rate and cost, she kept emphasizing the call is recorded and ask for my agreement to do business with Quicken Loan ; she requested {$500.00} deposit using credit card. 
I disagree with the urgency because I do not have rights to compare bank interest rate offer and terms with others at the moment. I simply ask her to provide me everything on record, such as email, paper mail, etc. She refused and pretend never heard. The worst part is she kept asking me for the agreement to do business with Quicken Loan and ask for credit card for deposit {$500.00}. I deeply concerned about my personal information may be misused by Quicken Loan. 

Please please investigate this company 's mortgage practice. I believe they are attempting to take advantage of home buyers who is in tight schedule to secure a mortgage for closing. Thank you. 

The call on XX/XX/XXXX is between XXXX - XXXX EST from number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRUIST FINANCIAL CORPORATION
State: TX
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 have XXXX Hard Credit pulls on my credit reports that I did NOT authorize or give them my SS to do so. 
XXXX XXXX XXXX  - XX/XX/2023 and XXXXXXXX XXXX XXXX ( XXXX  ) - XX/XX/2023 I called both and they cant remove or have no idea if or how they did it. 

I did NOT give out my SS online and I did not authorize ANY banking institution to pull my credit. 

Please remove these from my Credit bureau as it has affected my credit which I am trying to rebuild after a bad divorce.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have had multiple soft inquiries and a hard inquiry on my credit port that were not authorized by me. The inquiries are affecting my credit score and making buying a home more difficult.

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 2019-07-25
Company: EQUIFAX, INC.
State: OH
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:
With Equifax there are alot of unknown inquiries. XXXX XXXX XXXX inquired on XXXX XXXX, 2018. XXXX XXXX XXXX XXXX, 2018 and XXXX XXXX, 2018. All the information I can get is that they were done in California. I do not reside in California and did not authorize these inquiries. I have been with XXXX for almost ten years and have never even thought about going to another phone company. I have been trying to get this resolved for the last year with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion reporting I filed XXXX XXXXXXXX bankrupcy on XX/XX/XXXX this in correct. my last bankrupcy was XXXX -Discharged XX/XX/XXXX my 7 years from my last fileing will be on XX/XX/XXXX i person can not file that soon there a mix up and causeing me distress call i call in there a communication i cant understand what the customer saying, transunion web site alway malfunctions i cant leave messages or file Dispute.thank you for helping 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 2023-02-27
Company: Experian Information Solutions Inc.
State: IL
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:
per FCRA, there are multiple inaccuracies on my credit report which is a violation of said act. Attached file is my credit report showing such inaccuracies. My XXXX XXXX accounts are displaying inaccurate account balances, inaccurate payment amounts from all XXXX credit reporting agencies. 
My XXXX XXXX  accounts have inaccurate information regarding a pass due status. 
lastly there are multiple inaccurate employers and addresses on my report that also need to be removed due to inaccurate 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 2022-09-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
XXXX XXXX XXXX XXXX comenity store credit card : I purchased a XXXX XXXX in XXXX. They billed me for XXXX @ {$130.00} and another exact charge is pending on my account accruing interest. I have emailed them and they either do not answer or they do and direct me to call customer service, I do and they tell me it will be taken care of and it is still there. I asked to speak with a manager and they told me it would do no good.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: AR
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:
In the Public Records area of my credit reports, I see a Bankruptcy that was last reported on XX/XX/13 to XXXX XXXX. The account now shows closed and with a XXXX dollar balance and as a Chapter XXXX discharge from Equifax with the same XXXX dollar amount balance. I made the mistakes, I paid my dues and I suffered the embarrassment ; I think its only fair to allow me to go on with my financial life with what I have learned only to grow from it. The account was closed, dismissed, and discharged,  long enough ago for me to now have a piece of mind. Recently, I tried to make a large purchase for my family and the only thing that hendered the purchase was a Bankruptcy that was unfairly remaining on my credit from years ago that is now PAID IN FULL! The statue of limitations for this detrimental information would be up even if the account were open or still valid. Its time to remove the account and stop the deformation of my financial charter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband got medical service from XXXX XXXX in 2019 and when we received the bill from them we saw that they never ran our secondary insurance, only our primary insurance. I called the hospital on 2 different occasions and provided them with our secondary insurance. We were then sent to collections for the original amount of {$2000.00}. I spoke with the collections company multiple times who filed a dispute with the hospital and we still have not gotten a resolution. They can not legally collect this amount because they never ran our secondary insurance, which they acknowledge to be the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX AND EQUIFAX AND XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name AND ALSO THERE WAS A ACCOUNT XXXX  ON MY CREDIT WHICH WAS FRAUDLENT I DIDNT CONSENT TO IT XXXX  DELTED IT BACK AND XX/XX/2022 XXXX NOW THE FRUADLENT ACCOUNT WAS REINSERTED BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME N NOW IM EVEN MORE XXXX  AND CANT MOVE ON WITH MY LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: SYNCHRONY FINANCIAL
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

SYNCB/WALMART XXXX Opened XX/XX/2012 Balance {$0.00} Late Closed-

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 2017-09-26
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a request for debt validation to Enhanced Recover Company by return-receipt mail on XXXX XXXX, 2017. The letter was returned unopened and marked by USPS as " Return to Sender, Refused, Unable to Forward ''. This company is reporting a debt {$3300.00} to all three credit reporting agencies. I have no knowledge of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: MD
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 2023-02-27
Company: Experian Information Solutions 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:
MY PERSONAL DATA HAS BEEN INVOLVED IN VARIOUS DATA BREACHES WHICH CAUSED ACCOUNTS TO BE OPENED WITHOUT MY AUTHORIZATION. IVE HAD PLENTY OF INQUIRIES LISTED ON MY REPORTS THAT WERE UNAUTHORIZED AS WELL THAT I NEED REMOVED IMMEDIATELY BECAUSE MY REPUTATION WITH THE BANKING SYSTEM ISN'T THE BEST AND IT WILL HURT MY CHANCES GETTING A MORTGAGE LOAN

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 2021-05-19
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 Financed a vehicle through XXXX XXXX usa. the Loan was completely paid off in XX/XX/XXXX and account was closed..XXXX is reporting that the account was discharged in Bankruptcy. I did not file Bankruptcy and there is no Bankuptcy on my public record. This is the incorrect information that Experian is reporting. I spoke to XXXX and they told me that they are not reporting that status to Experian. 
XXXX XXXX XXXX Account Name XXXX Account Number Auto Loan Account Type Individual Responsibility XX/XX/XXXX Date Opened Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$27000.00} Original Balance {$0.00} Highest Balance 84 Months Terms - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX XXXX XXXX Reinvestigation Info This item was updated from our processing of your dispute in 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 2022-09-23
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXXL XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00}.

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 explanation
Consumer complaint received 2019-07-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
CRA is in continuous error and hence violation of the FRANK DODD ACT, along with several FCRA, FDCPA and other consumer protection laws.

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 2023-08-11
Company: UMB FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
This complaint is for my HSA. On XXXX XX/XX/2023, I left the company I used to work for and they closed my HSA account. The HSA was transferred to UMB HSA services. https : //myumbhsa.wealthcareportal.com/. On XX/XX/2023 they sent me an email informing me that my HSA account was transferred to them and they will start charging an admin fee of {$2.00}. Additionally, they started sending me paper statements and charged me fees for those as well. 
I called them today ( XX/XX/XXXX ) and the agent informed me that in order to transfer my account out UMB they will charge me an additional fee of {$25.00}. When I told them I never agreed to these fees he mentioned that these fees were in their Terms of Service. And that I automatically agreed to the Terms of Service when I accessed their website. Additionally, if I hadn't agreed to those TOS, I wouldn't have been able to access my money because there is no other way to disagree with their TOS and transfer my money out of the bank. 
They also said this is just a take it or leave it situation and they have no mechanism to waive these fees, and I have provided my tacit approval as soon as they got the transfer of money from my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After a week that I sent my Identity theft report and Wellsfargo Home Mortgage sent me a couple of return letters. One of the letter says that they do not find any fraud loan and the second letter saying that they need more time for them to investigate and they will let me know later on XX/XX/2022. This is repeated for a whole entire year now and I am not getting any straight answers or reimbursement any money to me yet. They suggested me to go to the branch to discuss the matter, so I did went to the branch on XX/XX/2022 and the banker advice me to get an attorney about the mortgage fraud case, because they wont be able to do anything.

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 2021-10-29
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
This company has advertised to me that they could fix my credit for me and I have found out that is not true. They have violated 15 usc 1679b ( b ) by requesting payment before the service were fully performed. XX/XX/2021 I applied for the company to help. {$100.00} was due on XX/XX/2021 after a {$19.00} discount was applied. Later ( XXXX XXXX ) on a {$55.00} discount was applied that brought the payment down to {$74.00} and was due on the previous date. XXXX XXXX, & XXXX a group of letters were sent out on my behalf from the companies in an attempt to repair my credit. I was charged for the service on XX/XX/2021 but I wasnt notified that a few items were removed from my report until XX/XX/2021. They were only 2 items and the service was not fully complete. But I was still charged, and that is a consumer violation. Pursuant to 15 usc 1679g anyone who violates is civilly liable for the damages. Because of this violation and their failures to follow federal law, I still am unable to use my credit, unable to finance vehicles or even obtain money from banks because I was led to believe that they would help improve my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/XXXX, I sent a dispute letter addressed to the Credit Bureaus, requesting the removal of unfamiliar accounts that are currently being reported on my Credit File. I strongly believe that these accounts are a result of fraudulent activity, and I urged the Credit Bureaus to promptly conduct an investigation and remove the disputed accounts from my Credit File. According to my understanding of the FCRA Section 605b, it is a legal requirement for Credit Reporting Agencies to eliminate any accounts and information that are a result of fraudulent activities. I am submitting this Complaint today as a follow-up to my previous Complaint. Once again, I request the immediate removal of the following accounts from my Credit File : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX A XX/XX/XXXX XXXX If, during the Credit Bureaus ' investigation, it is determined that I am the legal owner of these accounts, I kindly request that copies of supporting documents, bearing my signature, be provided to me. However, if such documents can not be provided, I greatly appreciate the prompt removal of the disputed accounts.

Company response to consumer: Closed with explanation