BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing, because I disputed the following information that is fraudulently reporting on my credit bureau to Equifax ONLY. I did not authorize anyone to open an account in my name and respectfully asked for the information being reported by XXXX be removed and blocked immediately. 

According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.

1. Block, Except as o
therwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer I have provided all of the above listed four ( 4 ) items to Equifax. Therefore, I expect the listed account to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting that XXXX account public records item, and inquiries be permanently block and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
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:
Ive been dealing with XXXX XXXX for months. Ive had numerous unauthorized charges on my card that I cant remove and its messing up my credit. These are fraudulent charges

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 2020-07-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had a mortgage loan with Chase since XXXX and my payments have never been late and has not been an escrow account. 
Chase converted the mortgage account into a escrow account sometime in XX/XX/XXXX without my permission. Chase is now reporting delinquent payments for my Chase mortgage loan of XXXX XXXX, XXXX and XXXX. XXXX. 
Chase misappropriated my principal and interest payment to fund this escrow account without my permission. 
I have enclosed proof of my personal payment for both property taxes and insurance. 

We have also disputed with the credit agencies and have attached those documents

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are two accounts listed on my credit that is not my account. I don't have any contract nor have I sought services for it.

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 2019-10-17
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently applied for an FHA refinance mortgage with Quicken Home Loans on XX/XX/19 or earlier. My mortgage broker has let me know that Quicken has really struggled with new loans registering at Quicken and their set up process. They are also offering interest rate lock timeframes that they are not able to close loan applications within. 

But thats not the main issue. The issue is that they make you use one of their appraisal management companies, in this case the appraisal was ordered on XX/XX/XXXX and was not completed until XX/XX/XXXX. On that date the Broker received a notification that the appraisal was completed and available for download. The broker downloaded the appraisal and it said " AS IS '' so no repairs were required. 

Timing was a little tight but we had enough time to close before the interest rate lock expired on XX/XX/XXXX. Then on XX/XX/8, 9 days after the complete appraisal report was delivered to the broker ; Quicken posted a new loan condition that the appraisal was now " Subject To '' and listed a minor repair. 9 days later. And no one even told the broker about it! He happened to look in the file and saw it had been posted. Quicken has since removed the original appraisal report so that it can not be accessed but the broker saved the original copy. 

By waiting 9 days to make a change to a completed appraisal ; Quicken effectively blew my interest rate lock out of the water. The mortgage broker was without power for 4 days including the day the lock expired. He asked Quicken to cover the re-lock fee ( about {$1100.00} ) in light of the situation. Quicken refused putting the blame back on the broker. They then cut off the broker from doing business with them ever again. The broker has continually asked that they make this right for me and they continually refuse and put the blame on the broker. Also, interest rates have gone up since my loan and interest rate were originally locked in so Quicken knows they hold the cards and by not honoring my original lock they are now making more money in fees. Another {$1100.00}. 

Based on what the broker has told me about this happening to multiple other clients and how Quicken handled my application it looks like they are intentionally causing their clients to need lock extensions and re lock fees. This is predatory lending. We have tried to get them to make this right and they have refused. They have scoffed at us for threatening to file a complaint with CFPB. The two individuals we dealt with at Quicken were XXXX XXXX and XXXX XXXX. When asked to speak to another supervisor XXXX XXXX responded that he has the final say.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I took out a loan of {$9700.00}. in XX/XX/XXXX, to fund a business I got involved in with XXXX ( XXXX XXXX XXXX XXXX ). In XX/XX/XXXX XXXX was proven to be a scam by the FTC. I contacted all the credit institutions I had borrowed from, and on the Bank of America website it directed me to contact an employee of BofA directly. I did this, and was informed by an agent here in XXXX that Bank of America would do nothing for me. I continued contacting the other banks, and have had success with most of them so far. Recently I spoke with an agent from BofA about a different matter, and the subject of this devastating scam came up. He encouraged me to contact the fraud department and re-open my claim. I was finally able to find the right link, and Bank of America sent me a very long, detailed page to fill out, which I did, and sent it to them. They have since denied my claim because I did not dispute the charge within the 3-month window that they insist on. However, I could not have done that, because XXXX had not been proven to be a scam before XX/XX/XXXX. I received none of the promised benefits from XXXX, and feel I have a valid claim to this dispute.

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 2022-02-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I began the mortgage process formally with a consultant within Wells Fargo. For the six months prior to XX/XX/XXXX, I had regular phone calls with my assigned consultant to cover the specific product I was looking to use to purchase a new single family home. On multiple occasions during these phone calls my intention of having a 3 % down payment mortgage product was shared, and was informed that would be fine and not an issue. I currently have a mortgage with Wells Fargo on a condo I purchased 16 years ago, and also explained not only was I looking to purchase a single family home, I would also be looking to refinance that original mortgage to reduce the term length of that loan. In addition to dozens of phone calls, there were also dozens of email exchanges confirming the 3 % down payment product as being available to me for the single family purchase. On the morning of XX/XX/XXXX, before starting my application with my consultant over the phone, I again confirmed the 3 % down payment product being available and was informed it was fine. Later in the day on XX/XX/XXXX, I received my pre-approval letter/email, but was informed the 3 % wasn't available and that only a 5 % down product would be available. It was explained that there was an internal Wells Fargo policy change that occurred in XXXX of XXXX, but never once was that provided to me before having my credit pulled on XX/XX/XXXX, nor was the consultant aware of it until after I escalated this concern to them. I am a current customer of 14 years with Wells Fargo from my condo purchase, have made every payment on time for 14 years and have a credit score north of XXXX. But only learn of a policy change after my credit application as started? My mortgage consultant escalated this concern to their management team for resolution, but was informed nothing would be done. This is not a good business practice, and would say deceptive in practice.

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 2021-08-21
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
They are difficult to get a hold of the right person and understanding what I'm asking help with so it frustrating with online or over chat to communicate why so many fees and restrictions to add fund to just one account instead of having the amounts of money secure with just one account. Back pay and XXXX XXXX XXXX XXXX and XXXX settlements.

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 2019-10-03
Company: Resurgent Capital Services L.P.
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:
RESURGENT/LVNV FUNDING LLC - $ {$2400.00} First Reported XXXX Original Creditor-XXXX XXXX. 
Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX, SC XXXX THIS DEBT COLLECTION AGENCY IS REPORTING AN ACCOUNT THAT WAS OPENED BY SOMEONE FRAUDULENTLY. 
ACCOUNT WAS ALREADY DISPUTED WITH ORIGINAL CREDITOR XXXX XXXX  AND THEY AGREED TO REMOVE AND INFORM THE CREDIT BUREAUS. AFTER SEVERAL DISPUTE ATTEMPTS MADE ONLY XXXX  IS STILL SHOWING THIS ACCOUNT ON MY REPORT AND ITS AFFECTING MY FINANCIAL NEEDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I had made a transaction on XXXX XX/XX/2021 of {$2900.00} to XXXX for emergency use for my parents during these testing periods of covid via xoom.com. 

But the money is still not received as of now. Xoom said that the transaction was made on XXXX XXXX. I have send them the bank statement in timely manner. But even then they have been delaying the payment for a long time now. 

Earlier this week, My Bank manager had contact yes bank ( the supporting bank ) and send me the proof that payment failed. 

Even then xoom.com is saying that they will take their time and will not considered the email with legal bank email address and thumbnail. And we take their time to talk with yes bank. 

If I call them, they say that a supervisor will contact me back and it does not happen. Also they promise that they will send the email regarding information in the call which also does not happen. 

I have email and call them over 15+ times. But everytime they say it is been investigated giving excuse like the time zone of XXXX is difficult for their employees to contact the bank. 

I even talked with my XXXX Bank manager where the money is suppose to be sent and she also said that no one have inquired about my account. 

Please help me out in this matter. 

I will be grateful to you Thanks,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-12
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My debt was with ny and company i.owed money to the card.they transferred it to XXXX XXXX or XXXX XXXX i made a settlement with them and paid it off its still shoeing on my report I owe ny and company and XXXX XXXX not true. Ita all been paid I would like it off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are accounts on my credit report that aren't mine that need to be removed.

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 2018-01-01
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is no business record under XXXX XXXX XXXX. There are however many complaints against this company who is now going by the name of Choice Recovery with an address of XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX. This company has falsely reported to XXXX that I have a medical account in collection status all in attempts to manipulate money out of me. Since I have no knowledge of their claims I requested a transaction history from our local hospital as well as a transaction history from their billing agency. There are absolutely no records of an outstanding medical bill and neither is there a record of a visit during the timeframe Choice Recovery reported to XXXX. This company has caused the same and similar problems with other consumers. Reference XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: I.C. System, 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:
I logged in to look at my credit and saw that there was a collection account. Not only have I never had XXXX XXXX in my name but I never got anything in the mail about this account to give me a chance to dispute it. This is a violation of the FCRA.

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 2019-10-17
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have recently received a bill from MBA Law Firm located in XXXX, Texas. The bill claims I owe {$5600.00} to a current creditor called XXXX XXXX. It also states the previous creditor was XXXX XXXX. 
I spoke with a female, " XXXX '', who claims she is a debt collector with the above stated law firm. She advised me that I owe the above stated amount due to lab costs approved by my doctor. I spoke with my doctor and his business manager who both told me that it was a scam and I did not owe anything. 
This " Law Firm '' claims the date of service of the bill was XX/XX/2018 but I have never been contacted, or so much as received one bill from them. So they waited 1 year and 6 months to send this letter and are only allowing me 30 days to resolve it or they would report it to credit reporting agencies. 
" XXXX '' couldn't give me any specific information about the bill and gave me a bogus number to call. She claimed the number was a patient advocacy line but I cant get anyone to answer. 
I am a hardworking citizen who has worked years to build my credit to where it is. I don't even have ONE late payment on my record. This bogus bill for {$5600.00} would truly devastate my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This is I believe the second request to remove all non-account inquiries over 30 days old as I did not initiate these inquiries. This company is required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account/contract with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2019-10-17
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper mortgage company misapplied 5 of my monthly mortgage payments. 
I was told by several reps that there was a computer ( IT ) problem and that the payments were being misapplied. 

My monthly payment was partially applied to additional principal, which I did not authorize. Mr. Cooper would send me late notices and penalties due to their error. 

Eventually, I fell behind because they were misapplying my payments. 

I tried for over 7 months to get this straightened out to the point I had to get an hardship withdrawl from my 401k bring  mtg up to date. I was told by several reps and sent letters from Mr. Cooper that they were escalating my inquiry/complaint but it was never resolved. 
The last rep said if the mortgage was brought current she would have the misapplied payments applied to a couple of monthly payments. This never happened and all correspondence states it is in the research department. 

Mr Cooper has assessed attorney fees to me in excess of {$2000.00}. 

Also, when I went to make a payment the other day - my monthly is {$1500.00} and it said I could only make a payment for {$2800.00} there payment system is ripping off mortagees and we are held hostage when they say they will foreclose. 

By misapplying payments they can add fees/penalties/lawyer fees/ etc ... hurt your credit rating and I have spent over 30 hrs on phone trying to get this straightened out. 

Each time a rep tells me I will see a credit and it doesn't happen. As I stated above, one rep outright told me that it was Mr. Coopers fault and the problem was IT program and he suggested I called in each month to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Receivables Performance Management, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The unvalidated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it ), as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f. This is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries  need to be removed from my credit report immediately. Thank You, By : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation