BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-11
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2017 I applied for a mortgage with Quicken Loans. Our landlord lost our home in foreclosure so we are scrambling to stay here. I explained this to the loan officer. and that my mother is a XXXX veteran with XXXX  and moving is the last thing we need right now. I completed the document request and received my pre approval letter, continued the process only to be told after almost 4 mos that I need a cosigner. I offered a cosigner from the start but was told FHA does not accept non resident cosigners. The reason I was given for the new requirement was that my credit dropped from XXXX to XXXX. They had run my credit for times in that period and charged me each time. This was the only changes in my credit. I was flooded with lock the rate emails and I told XXXX XXXX to lock it each time but he never locked it. After being preapproved and submitting all requested documents, knowing my income to debt ratio and credit score both qualify me yet I still have no loan for my house..??? I'm frustrated. My rate went up 4 times and my closing costs went up as well..XXXX score was XXXX, XXXX hourly job in my field of study. No Loan!! I am requesting all credit report fees be refunded as well as them removing all hard inquiries from my report. XXXX said no can do. I can understand running it once, getting to closing day then running it again but not four times in a 90 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-12-04
Company: EQUIFAX, INC.
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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: I.C. System, 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 never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 filed a complaint with CFPB stating this " ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above '' Not only did they furnish my credit report without MY consent but responding to me with no resolve constitutes as identity theft. They have addressed me as a " SHE, HER '' Ive given them the chance to resolve this discrepancy in good faith. Now i must seek legal action to remedy this. Im requesting the individual who responded to this complaint and position with the company. Also you will need to provide me the wet ink signature of me giving permission/consent to furnish my file with the credit bureaus

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 2022-12-05
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
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 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 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  ) The above account were created without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is trying to collect a debt for MaxLend. I disputed the debt with XXXX and asked them to send proof of the loan. They sent me documentation which says I applied for a {$1300.00} emergency loan on XX/XX/2022 with a final maturity date of XX/XX/2022. The APR is 635.74 %. Payments of {$340.00} were to be paid every two weeks. The documents indicate I applied electronically, Esigned, and agreed to electronic communication via text messages. I never applied for a loan with this company and I never received any text messages from this company.The documents have my correct social security number and home address. However, the documents indicate the funds were wired to a bank with a routing number and account number different than mine.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-09
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my Torrid Credit Card balance to XXXX XX/XX/2022, to date the XXXX balance has not been reported to the credit bureaus. I called the company on XX/XX/XXXX to find out why and they told me they had a " system update '' that prevented the account from being reported properly and advised they would do a manual update in 2 days, as of this morning they card is still not reporting a XXXX balance. I've also had another XXXX balance statement generate since payment in full. 

If I was 30 days late, on day XXXX they would PROMPTLY be reporting my delinquency, I expect my payment in full to be reported JUST as promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: SYNCHRONY FINANCIAL
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:
On my credit report there states I have a hard inquiry from Syncb which appears to be some kind of airline?? Its from XXXX XXXX. I did not authorize this inquiry and have no idea where it came from. This will stay on my credit report until XXXX of XXXX so Id like to resolve it soon as possible. There doesnt seem to be any record of a company called syncb and there isnt a phone number I can contact them at.. found on XXXX XXXX that this has been issue with other people as well.. and some have gotten results from submitting a compliant through the Consumer Financial Protection Bureau XXXX Many thanks for any help you can provide

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2022-01-25
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX is failing to report/ update my information. They claim it had to do with my address, but that is not the case as my address has been updated since I relocated. Experian is reporting balances after statement balance with interferes with the utilization and usage reporting. My score drops and they claim they can report when they want. Whats the point of a statement balance if your just going to report whenever you want anyways.

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 2020-09-29
Company: Fidelity National Information Services, Inc. (FNIS)
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:
The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX. I have already contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!

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 2021-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been frozen since some where around XXXX, I reported my card lost or stolen XX/XX/XXXX And disputed some charges. I'm not an accountant I just know I'm missing money, I thought they could look at point of sale and tell me who was using my card. I SPENT AROUND XXXX  OUT OF XXXX dollars. Well instead helping me fix the problem they froze my account and edd is trying to put more of my benifiets in and can't so now I'm double in the whole and my bills are pulling up and things are getting shut off Not to mention I'm quarantined on a XXXX XXXX XXXX with no way to stimulate myself economically .. I am starving to death literally and they want to play games.I just want my account unfrozen funds put back since there f.d.i.c.insured. thank you

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 2019-08-22
Company: Experian Information Solutions Inc.
State: TN
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:
Please note that the following companies ran unauthorized credit inquiry on me..They are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports 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 2022-12-05
Company: EQUIFAX, INC.
State: IL
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 check my credit report and I see numerous inquiries I didnt authorize Section 604 25 usc 1681 b -credit bureau does not have the right to report anything on your report without written consent.

Section 605a 15 usc 1681 c-1 With no consent your company is currently committing identity theft.

Section 605 b 15 usc 1681 c-2 Requires you to block the fraudulent information on my credit report resulting from identity theft within 4 business days and to properly notify the the furnisher of the information. 

XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX financial XXXX XXXX XXXX XXXX XXXX XXXX financial XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
US bank ATM ate my money during the deposit. 

1. XX/XX/2020 around XXXX XXXX  I tried to deposit cash into the ATM. During the deposit, an error occurred. The ATM swallowed my money, but the transaction was not reflected in my account. 
The amount of money I lost was {$8800.00} in total ( the first attempt was {$2700.00}, and then the ATM asked me " Deposit more? '' so I continued the second attempt, which was {$6100.00} ). That was all {$100.00} bills. Worst is, I lost {$8800.00} cash but I just only got one receipt regarding the first attempt. 

2. I reported the error to the US bank by phone on the same day ( XX/XX/2020 ). 

3. US bank provided me {$5300.00} as a provisional credit om XX/XX/2020, but they withdraw {$2600.00} on XX/XX/2020. 

4. Around XX/XX/2020. I got a letter from US bank, saying they only admit {$2700.00} as final. I can not accept the result because there was too large gap between what I lost and their final decision. 

5. On XX/XX/2020. I sent a USPS certified mail to tell US bank what happend exactly, and what's going on until now. However, US bank did not reply to my postal letter. Because I'm afraid that there was miscommunication due to the language barrier. Actually, I made several phone calls to US bank to see if what's going on with my case. I asked for getting help from a XXXX  interpreter, but the representative just ignored it. This same ignorance happened twice. 

6. On XX/XX/2020, while talking to US bank via phone, I realized there was some miscommunication on my initial claim due to the language problem. So, we corrected the amount of money that I lost at ATM, {$8800.00}, with help from a XXXX-English interpreter that US bank provided. At that time, the representative of US bank said he fixed the problem resulted from miscommunication. And he said he re-filed the claim as {$8800.00}. And he said I will receive a letter and provisional credit within 10 days. 

7. XX/XX/2020. Until now, I haven't got any reply like letters, phone calls, or credit. I made a phone call to US bank, I asked why you did not provide any information about my case. However, they just said it is still under investigation. It already past two months. 

8. It is big money to me, but they do not show any effort to solve it. To preserve the evidence, I ask them to preserve the surveillance camera film on the site until this case is resolved, but the representative said they can not handle it. 

9. I am a weak individual consumer, US bank has all the evidence and authority but they are not cooperative. It is unfair. The only means that I contact to US bank is making a phone call. Whenever I make a phone call, I have to spend about 1 hour waiting in line. And they do not give any proper answers. They are only saying it is still ongoing.

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 2018-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I initiated a transfer for {$1400.00} via online banking on the Bank of America website on XX/XX/18 at around XXXX. This was payment for deposit and first month rent after I had sent back a signed lease to the scammer. I had discovered that it was a scam later that day and called Bank of America at around XXXX on XX/XX/18. I had asked them to stop the transfer, but they said there was nothing they could do even though they knew it was a scam.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I submitted letters to the credit bureaus informing them about inaccuracies that appeared on my credit profile. I haven't heard anything back from them and it's been well over 45 days. I feel like I am being taken advantage of and I will file for litigation if necessary. These inaccuracies are holding me back and is causing me a tremendous amount of stress. I found out recently that I was impacted by multiple data breaches, and I know for a fact that somebody had access to my information. Section 611 ( a ) states failure to respond within 30 days should result in automatic deletion. The credit bureaus are in major violation and this matter should be handled immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Back in XXXX of 2021 I was awarded grant funds from SBA in the amount of XXXX. Citi without warning disabled my account and stopped me from accessing my funds even though I pleaded with them at the time that I was in another country and was trying to get home so my daughter could get medical attention. They did not care. Once I was able to get home after borrowing money from family I received a letter in the mail that stated I had 10 days to prove my XXXX was my own. Upon me calling to submit my documents they told me it was too late and the account was going to be closed. I got the run around for 3 months even though they told me the account would be closed 30 to 60 days it took 90 days to close. They told me the funds that were granted to me were returned to the SBA and I waited for months to receive reimbursement. Finally after calling so many times Citi admitted that they still had the money even after telling me they didnt for months. I was then told that in order to get my money I would need to go to my nearest branch and pick up funds. I pleaded with them and told them there were no branches in the state of GA and that my nearest active branch was in fact in Florida XXXX Florida. After constant calling I decided to finally go and see if I could pick up the remaining of my funds of {$10000.00} The banker XXXX told me it was not possible so a trip taken for nothing I wasted hundreds of dollars and Citi reps or the company still had no mercy they then proceeded to say changing their entire story that the SBA needed to have a subpoena sent for me to get my funds or they would keep my funds indefinitely. I attempted to have this done Turns out SBA could do nothing for me. As they have stated many time the money is supposed to be sent back to the treasury then to them once declined by the bank. No one could understand why Citi held on to my funds the way they were doing they never had any real answers as to why my accounts were closed but still had not sent my money even though the accounts are literally closed and they stated if I did not get subpoena they keep my funds indefinitely. This has been the worst experience of my life and I want justice I'm tired of calling speaking to their rude nonchalant representative who are just so nasty. I want justice I want my money and I want compensation that I spent months and months trying to make it without the money that was awarded to me! I need that money now and needed it then!

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 2023-10-24
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a XXXX XXXX XXXX XXXX that I bought in XXXX the interest rate is too high I tried to get it Lowered but the company would not lower the interest rate for me. I still have two more years at $ XXXX. to pay on it. The last month I've spent {$5000.00} on the car for suspension and tires now the transmission went out and I still have two years to pay at {$560.00} a month can I please get some help.

Company response to consumer: Closed with explanation