BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed for a refinance loan with Quicken Mortgages. We discussed fees, appraisal and PMI insurance. I was told that my mortgage processing fee would be {$100.00} and I would not need an appraisal. When I reviewed my costs, there was a {$900.00} loan processing fee and {$600.00} appraisal fee. When asked I was told that I would need the appraisal and there would be a {$500.00} good faith application fee. My home on XXXX is valued at over two times my current loan value and I believe XXXX is low as the square footage is wrong. 

The lender will have the home appraised at way below market value so they can charge PMI insurance. The appraiser will come loaded with the proposed loan value and guess what, this is where the appraisal ends up. How do I know this? because this has already happened to me. once the appraisal is done by the lender 's choice, you are unable to argue it. It is a scam between the lender and the appraiser so they can they increase their fees and payments. Why is the homeowner not allowed to get an appraisal done, why is this controlled only by the lender?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent out investigation letters to XXXX, XXXX, and TransUnion on XX/XX/2019 ( Tracking # XXXX XXXX | TransUnion XXXX | XXXX XXXX ). The credit bureaus completed the investigation and stated that the report was 100 % accurate. I disputed that a bankruptcy was reporting on my credit profile and should not be reporting. They told me it was verified ( at the present date this bankruptcy is still reporting on my credit report ). 

According to the law 15U.S. Code 1681a-Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to regarding this matter. 

How did they complete this investigation?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07
Company: Experian Information Solutions 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:
Recently signed up for monitoring service in which I noticed an account on my file that does NOT belonging to me from company XXXX XXXX XXXX reporting a balance of {$660.00} This account is a fraudulent account as I am a victim of identity theft, I have attached further documents to explain Identity theft. This Account does not belong to 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 non-monetary relief
Consumer complaint received 2018-09-07
Company: Regional Management Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have called them and told them that I would pay the monthly payment late before it hits 30 day but they still keep calling me every single day!!! I did refinance the loan but still did not help me due to when I was sick and was not working over time and I was contagious and got my husband sick and he also missed work and he does not have paid time off. I am trying my best to catch up but as of right now thats all I can do is pay before the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: NBT BANCORP INC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Due to a recent health condition that happens when I was in XXXX, I struggled to make my loan payment for five months. After returning back to the XXXX called NBT bank and made the past balance in full. On XX/XX/XXXX I made a back payment in the amount of {$2100.00} and continue since then to make regular monthly payments in the amount of {$420.00}. Since XX/XX/XXXX until now I am trying to receive regular monthly statements with payment tickets which will allow me to send checks to NBT bank rather than calling every month to make payments over the phone. Sometimes I am not in a position to call the bank to make a payment. I tried to sign in online for automatic payments and was told I can't do that due to my past balance. Every month I called and bagged the bank to send me payment slips with the statement so I can mail back the check rather than calling but every month I was told the statement will be mailed and nothing happens. I also asked why they don't update the loan information on my account online so at least I can see the remaining balance however nobody ever answered that question I was always transferred to the collection department even though I was current on my payment I still made over phone payment within bank collection department. When I asked why I am been transferred to the collection department when I am current on my payment I was told that my balance was written off and that only the collection department can collect funds from me. So the question is if my balance is written off by the bank to whom in the world I am making payment? Well, I did finally receive a letter, not a payment slip just a letter stating that my payment should be sent by XX/XX/XXXX in the amount of XXXX to NBT bank in an enclosed envelope which was not there, no payment slip to detach and mail with a check so my question to this bank do I deserve some respect as a human and why I been treated without the respect all the time when I had health issues like humans and struggle but show my will to make payments on time as I promised when I took the loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Westlake Services, LLC
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My account with Westlake financial was paid by my insurance company and XXXX  coverages, a XXXX loan was paid, they said it was {$80.00} left over and repeated me XXXX  days late. 
I have tried to talk to Westlake several times but the language barriers and people there are no help, this {$80.00} has cost me a lot of money and time these past XXXX days it has hurt my score XXXX points, and I cant get approved for anything at the moment.

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 2020-11-30
Company: Experian Information Solutions Inc.
State: NY
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:
Hello! My identity was stolen from me and I noticed alot of fraud on my credit report. I have filed for Identity theft. Please help me by removing the accounts from my credit report. I have attached my Identification accompanied with my federal trade commission report. This is a serious matter as I can't move on with my life.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 my home was burglarized and all copies of my three children 's social security cards and birth certificates were stolen. We have a police report. 

After speaking with TransUnion over the phone on XX/XX/2022, I was able to put a freeze on my social security number. However, I was informed I needed to send in a copy of each of my children 's social security cards, birth certificates, and a copy of my driver 's license. 

After replacing my children 's social security cards and birth certificates, on XX/XX/2022, I mailed in a copy of each along with a copy of my driver 's license and a cover letter ( cover letter stated the purpose ( The minors need to add protection for their identities ( protected consumer freeze ), each child 's full name, birth date and file number, a list of contents included in the packet ( copies of all three social security cards and birth certificates, a copy of my ( legal guardian 's ) driver 's license, my home address and phone number. 

I mailed the documents TransUnion requested to place the protected consumer freeze on my children 's accounts to XXXX XXXX XXXX XXXX, PA XXXX On XX/XX/XXXX, I received three letters stating my request was unable to be processed due to missing required documents. 

After countless multiple phone calls over multiple days, hours and hours on the phone, speaking to many different TransUnion representatives this is the summary of those phone calls... 

They claimed they did not receive my documents. HOWEVER- Several representatives said they were looking at the copy of my driver 's license and cover letter which was included in the packet of documents I mailed. Obviously, they received the documents!!! The representatives are demanding we send MORE copies of the very documents ( social security cards and birth certificates ) to them again. It is not safe to send more copies of these documents. 

Where are the copies of the social security cards and birth certificates I sent to them on XX/XX/XXXX???? 

What do I need to do in order to get the protected consumer freeze applied to my minor children 's social security numbers??? 

This company is doing everything they can to NOT place the freeze on their accounts. 

I have requested a physical address to visit and bring in the requested documents in person, but am told that is not possible. 

Please help protect my children.

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 2019-01-10
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 check my Equifax Credit Report and I have a split/duplicated credit profile and one is XXXX XXXX XXXX and two is XXXX XXXX and they need to be merge together and Equifax refused to do so and it damaged my credit score and it went down to XXXX points and I ask Equifax several times to merge my credit profile together and they wont do it and it need to be merge

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased my vehicle in XX/XX/XXXX under my business. I told them at the time I was the only member of my business and that my tax ID number was simply my social security number. I contacted them a few months ago ( XXXX ) because while my accountant was looking over my IRS  paperwork, he discovered that my business vehicle was NOT titled under my social security number but a made up number by the company. They have n't had my business vehicle titled correctly since I purchased it, meaning the tax deductions through my business are actually invalid. I have sold the business and I want them to switch this from a business to a personal loan and refinance it. They are telling me that I cant. I am very close to getting a lawyer and suing them to get out of this contracted loan. I either want them to take the car back and let me out of my loan, or remove the ridiculously high interest off of it and title it in MY name. 

Every-time I call they ask to speak to my husband, not me. My husband has nothing to do with my business whatsoever. I am absolutely SICK over this and nobody seems to be able to help me so I guess legal action is necessary. 

I dont feel like I should jump through hoops so that I can have this done correctly for them, they screwed up, not 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 2023-02-23
Company: Chime Financial Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
So I spoke to some one they told me 30 days to hear back from merchant ok on one of my dispute it has been past 30 days the other one is almost close to 30 days. I told them that the merchant would not contact them cause I have tried multiple times. Well I asked the supervisor a question and she rudely hung up on me. I normally do not have this problem. I was also told they were suppose to give me a refund after 10 days until settled and they didnt even do that. I just want the money back cause I didnt receive the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL 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 2018-09-06
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018, I, XXXX XXXX XXXX, and my husband, XXXX XXXX, filed for bunkruptcy of some credit card debt incurred through XXXX XXXX 's business. 
That bankruptcy never included the XXXX & XXXX mortgages held by myself and a third party, XXXX XXXX These mortgages are for the primary residence of XXXX  XXXX, XXXX  XXXX, & XXXX XXXX. 
In XX/XX/2018, XXXX  XXXX XXXX ( holder of the 1st mortgage ) notified us that they sold that mortgage to Fay Servicing. We were paid up and current with XXXX, and going forward from XX/XX/2018 our payment were to be made to Fay Servicing. We did all that. 
Now Fy Servicing/XXXX is insisting on a duplicate payment back to them that we were never notified about and XXXX has attached themselves to our bankruptcy after-the-fact. 
On XX/XX/2018 as we filed the bankrupcy, a payment to XXXX was pending. That payment was made XX/XX/XXXX properly and on time. XXXX admits this. 

This pending payment was automatically swept up into the bankrupcy ( even though XXXX was never named in the bankrupcy ). 

Fay Servicing should remove the requested payment from the bankrupcy, and amend our mortgage payment records and all credit reporting agency records to reflect that we are current with the morgage and there was never a late or missing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSWORLD SYSTEMS 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: Investigation took more than 30 days

Complaint:
I sent in a letter to the Transworld Sytems to validate debt. The debt amount was for {$1100.00} to XXXX XXXX, from XXXX. They received the validation letter on XX/XX/XXXX. They Never sent a letter back to validate the debt. When I called them they continued to hang up on me. Then gave me the run around and then hang up on me again. They have failed to removed the debt after not responding within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 non-monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: MD
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX Balance : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX, I deposited a cashier 's check through the Bank of America ATM. On my receipt, it showed that the funds would be made available the next day, XXXX/XXXX/XXXX. The next day, I checked my account online and it showed that the check was being returned because the " payee not on account ''. After calling and speaking with a customer service rep, I was told that whomever received the check thought that the name printed in the " memo '' area of the check was the payee and that when I received the check back, I was to just redeposit the cashier 's check at the bank and all would be well. I waited one week for the check to arrive in the mail and then deposited it back into my account. Because the checking account has not been open long ( approximately one month ), a hold was placed on the deposit, making the funds available XXXX/XXXX/XXXX. I was told when I spoke with a customer service rep on XXXX/XXXX/XXXX that at the very least, {$200.00} would be made available immediately. I called and tried to have the hold removed because a cashier 's check should allow funds to be made available immediately and it was the fault of the bank that it was not deposited correctly the first time but they said they could do nothing to remove the hold or make any portion of the check available.

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