BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-18
Company: URS Holding, LLC
State: MD
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:
On XX/XX/XXXX, XXXX XXXX called my cell phone. The representative asked for my husband. I told him that the cell phone number belonged to me and asked what it was about. He refused to answer. By then, I looked up the company 's name and learned that they were a debt collector. So, I requested to speak to a manager. When the manager answered, I explained that my husband was in the hospital and requested that they mail all information to our home address. I gave the manager our home address for written notices and asked that they stop calling my cell. Despite my request, XXXX XXXXl representatives keep calling my cell. After my request, I got at least 5 new calls from XXXX XXXX. Further, as ofXX/XX/XXXX, we still have not received any written notices from XXXX XXXX. We don't know what debt they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Saturday around XXXX XXXX I received a call talking about mortgages from a Quicken Loan employee. I explained I just had XXXX and couldn't speak but the man became pushy and started to ask for personal information. I didn't want to lose business with them long term so I gave him what he wanted. He then explained he was going over rates, I asked if he was about to do a hard pull on my credit and he replied with he already did and then proceeded to tell me my credit score. I now have a hard pull that dropped my credit because some person never asked or bothered to tell me he was pulling my credit! When I told him I was upset he kept telling me to calm down and that he'd find me a good deal. I didn't want a deal, I wanted to be left alone until I was 100 % ready to buy a house. Very upset and I don't feel that I should be punished for his actions! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 at XXXX XXXX Eastern, I received a series of emails stating that an application was in progress, approved and welcoming me to an online and mobile banking account with Bank of America. I did not apply for such an account. 

That morning at XXXX XXXX I went in person to a local Bank of America branch ( XXXX, MD ). I was informed that an account had been opened using my correct name, birthdate, SSN, and an address that I had ten years ago. No funds were in the account or appear to have moved from my real bank accounts. I was put in contact with the Bank of America fraud department and the account was closed. 

I have contacted XXXX and placed a security freeze on my account. I also checked my credit report and do not see any fraudulent activity at this time.

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 2020-06-22
Company: The CMI Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
014. Credit Management LP Credit Managemnt has told me this for a XXXX XXXX inn which i have contacted XXXX and they stated i have no outstanding bill with them and everything is good standing with them. Credit Management has refuse to contact XXXX to resolve the issue with this account. XXXX also searched by my Social Security number and found no accounts nor balances.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: Penn Credit Corporation
State: PA
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:
Ever since I have disputed the collection amount, my Credit Tradeline has multiple inquiries for the same collection account for the same amounts from the Collection Agency that I am disputing. The company is maliciously scarring my credit with these continuous multiple Tradeline reports. 

The collection agency is : PENN CREDIT CORPORATION XXXX XXXX XXXX XXXX XXXX, PA The dates on my credit tradeline showing NEW COLLECTIONS are : XX/XX/2018 {$660.00} ( XXXX  ) XX/XX/2018 {$660.00} ( XXXX  ) XX/XX/2018 {$660.00} ( XXXX ) XX/XX/2018 {$660.00} ( XXXX ) XX/XX/2018 {$660.00} ( XXXX ) My score has dropped over 25 points with these multiple hits on my credit report and they should only show one time, not multiple times in a week or month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2022-09-02
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Like most Americans I was effected by the pandemic with a decrease in income. I applied to my mortgage company requesting a modification. I was denied a modification due to the calculations raising my payment. My lender then put my past due from the forbearance into a deferral and I was due for a payment XX/XX/2022. My lender did not advise me of this. I did not receive any telephone calls or written correspondence from my lender. I never agreed to any plan, my lender did not get my permission. I now am 3 months behind due to not being made aware that payments were resuming. When I contacted my lender I was told that I could begin a repayment plan for 3-6 months. I was on a forbearance for 18 months, this will dramatically raise my payment beyond what is affordable. I was told to reinstate, I was going through a COVID hardship and do not have that much money saved up. I was told I could engage in a short sale or deed in lieu. I do not want to lose my home. I feel like my lender used the pandemic to put me in a horrible position. I now have to reinstate or agree to pay my loan plus my past due of 3 months for the next 3-6 months. I do not feel my lender has helped me at all. I have included the letters that have been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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:
XXXX XXXX, Equifax, XXXX and XXXX are all in direct violation of the FCRA laws listed below. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. a 5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s 2 A 1. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018, I moved out of The XXXX XXXX  in XXXX, WA. Apartments are attempting to keep my deposit and charge additional fees. I have photographic documentation the apartment we cleaned, along with a receipt for carpet cleaning-which the claim was dirty. They turned over the account to IQ Data International in XXXX WA. I advised IQ Data in writing and on recorded call that in fact, XXXX owes me approximately $ XXXX-my {$250.00} deposit less last billing of utilities. I advised IQ Data that I have filed a claim in small claims court in XXXX XXXX Washington. I received notice via XXXX XXXX on XX/XX/2018 of a new, derogatory entry on my credit record by IQ Data International. It did affect my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as National Credit Adjusters used my information and publicized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This credit card was set up while I was working with the furniture store that sold the policies on behalf of the company so I am very familiar with how they were marketed. This was to be a 6 month- no interest payments that were to be in addition to another plan for no interest over 3 years. Both were marketed as " make the minimum required payment that we set up and it will be written off after X months ''. I have now made payments for over 5 years with XXXX 's charged in interest and a balance of XXXX on my account. While disputing this, I have been charged multiple late fees and had a late payment reported on my credit. I want my money and the report fixed. 

XXXX XXXX called filed complaint regarding excessive interest being charged on account after making required payments. Told they would reach out if they had any questions but to wait up to 3 business days. 

XXXX XXXX called and was told complaint wasn't filed because my address needed updated. I updated address and again filed complaint regarding excessive interest being charged on account after making required payments. Told they would reach out if they had any questions but to wait up to 3 business days. 

XXXX XXXX called and escalated up to highest level and was promised call back. No call back was received as of XX/XX/XXXX. Multiple representatives now claim that the interest was valid because the minimum payments made only applied to one of the credits at a time so the payments over the last 2 years were all interest built up while making payments for the first 3 years on the other credit. 
I advised I would be filing complaint and suit.

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 2022-09-02
Company: EQUIFAX, INC.
State: KY
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:
My Equifax report shows medical bills under XXXX that have been settled as collections. I was able to get them taken off of XXXX  and XXXX without any problems. There are also account that has missed payments dating back to 2011. I have disputed all of these issues twice with same results. It is also showing My last missed payment was a month ago and it has been 11 months since my last missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TransferWise Ltd
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
This is in response to complaint number XXXX and in responding to XXXX XXXX XXXX The notion that I gave Wise an incorrect swift is wrong. The swift I provided to Wise is the correct and valid swift for the recipient account. The intermediary and partner bank that was used on this transaction are totally from wise and I had nothing to do with it. To clarify, on the MT103 given to me, Wise sent the money to XXXX XXXX and XXXX XXXX sent the funds to a XXXX XXXX  in XXXX. This information is based on there MT 103. Wise can not claim I used a wrong swift. What I have told them is that on giving the MT103 to my recipient bank. They told me the Intermediary bank used by by wise isnt a bank they use at all ( XXXX ) so there is no way the money would come to them. This I explained to wise before I made a recall. The recall is more than 15 stipulated day they have committed to and yet I am still waiting to receive this funds. I am personally not interested in what Wise has to offer. I maintain that the money never got to my recipient bank and I even did a screen shot of the bank account of the recipient and sent it to them to see, which again was never addressed in their response to me .All I have requested is to get back my funds to save me all this headache

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, 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:
I have sent disputes to Equifax, XXXX, and XXXX and I have not received any dispute notifications or mail saying a dispute was done or that there are some results for me to review. I need for CFPB to look into this situation. I am under the assumption that if they do not respond or take longer than 30 days that is automatic cause for deletion of derogatory accounts that was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America : Overdraft fee charged in violation of overdraft protection Act HR 1261 -Transaction over the total account balance was attempted.

-Bank Declined transaction -Bank CHARGED OVERDRAFT FEE occurrence XX/XX/2018 law states : ( 2 ) the consumer will not be charged a fee if such transaction is declined.

Representative over the phone stated they charge this customarily and when I mentioned this law to the representative she hung up.

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XX/XX/XXXXXXXX Account Number : XXXX Date Reported : XX/XX/2023 & XX/XX/2023 I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX XXXX to confirm the validity of the reported late payments.

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 2022-09-02
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was involved in a XXXX accident on XX/XX/XXXX. This resulted in XXXX XXXX issuing a total loss payment in the amount of {$24000.00}. I have no complaint with XXXX XXXX. I received that payment and deposited it with US Bank on XX/XX/XXXX. On that date, I was provided a " Notice Of [ sic ] Hold '' document stating that {$24000.00} of that amount would be available on XX/XX/XXXX. I attempted to get a cashier 's check this morning ( XX/XX/XXXX ) and they declined, saying that the funds were on hold. They then provided me with another " Notice Of Hold '' document stating that the amount of deposit was {$24000.00} of which {$5300.00} would be available on XX/XX/XXXX, and the remaining balance of {$19000.00} would be available on XX/XX/XXXX. I did not make a deposit today ( XX/XX/XXXX ) for the amount of {$24000.00}. The new notice of hold is for 16 business days after the original deposit. 

Based on the original " Notice Of Hold '' I made financial plans to purchase a new vehicle today, XX/XX/XXXX. If I had written a personal check instead of seeking a cashier 's check, I would have bounced a {$24000.00} check which would have had severe consequences for me, especially considering it would have occurred on a down payment for a substantial loan. In addition, I had made vacation plans to visit people in other states that I will now need to cancel due to the fact that I am not able to purchase the vehicle today. This is all based on the XX/XX/XXXX original " Notice Of Hold ''. 

I attempted to speak with the branch twice and US Bank customer service on multiple occasions this morning and I was told that the teller was new and made a mistake. They apologized, but did nothing else after repeated attempts. They apology echoes hollow without any effort on the bank 's behalf to resolve the impact their errors have had on me and will have over the course of the next few weeks.

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 2020-12-03
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:
I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days of their receipt. Unfortunately, it has been four months and I have not received any responses from these credit agencies. I am really confused and would like to know why I am not receiving a response as required by Federal Law?

Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS? 
If my dispute was not received, then who has all of my account information, copies of my ID, SSN and bill that was sent via certified to the credit bureau?

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 2022-07-20
Company: Payfare International Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Unauthorized transaction on XX/XX/2022 XXXXXXXX XXXX  charge {$120.00}. Contacted door dash. Completed steps required. Filed police report, canceled card ( same day ), filled out unauthorized transaction report ( in XXXX doc format not word or pdf ) emailed information back. Claim was denied because form wasnt sent in pdf or word format. Agent was unwilling to assist over phone saying email is only option. XXXX XXXX/pay fare unwilling to assist in lawful manner. Suspiciously at the same time door dash had a nationwide problem with their credit processing system resulting in customers getting free food. I believe my problem may have to do with that, but any questions regarding that were stonewalled by agent. Tried with XXXX XXXXpay fare over phone for collective 7 hrs without proper assistance.

Company response to consumer: Closed with explanation