BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: RUOFF MORTGAGE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Beginning XX/XX/XXXX I received a letter from Ruoff Mortgage stating their records showed I had no insurance on my property. I called informing them that my insurance company changed 3 days after loan closed XX/XX/XXXX. Gave them the updated company name, phone number and policy number. Late the following month, XX/XX/XXXX, my insurance company contacted me stating Ruoff hadn't paid, from my escrow account, my insurance premium yet and that my policy would expire XX/XX/XXXX. I called Ruoff and they said they didn't have my insurance company, XXXX, on my account and therefore couldn't them. Again, like the previous month, I gave all of my insurance information to Ruoff so they could correct their record on my account and pay my insurance premium. A couple of weeks pass and my insurance company calls to say no payment has been received, and my policy would expire in a week. At that point, afraid my policy might expire before Ruoff would finally straighten their records out, I paid directly to XXXX to keep sure my policy wouldn't expire -- XXXX said they'd refund me once Ruoff finally pays them -- I made that payment to XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX finally paid my insurance premium to XXXX out of my escrow -- happy day, right? No, although Ruoff paid my insurance to XXXX on XX/XX/XXXX, they then purchased a policy in the amount of {$1300.00} on XX/XX/XXXX. Why? Because they said I had no insurance. They've added an increase in my payment to " repay '' them for this {$1300.00} policy. I've called multiple times over the last 2 months trying to correct this, their mistake. My insurance company has emailed them all of my information 2 times over the last month, as have I twice, and faxed them the insurance policy 2 times as well. I even received an email back, once, from Ruoff acknowledging they received my insurance, but they're yet to refund the {$1300.00} and re-adjust my monthly payment accordingly. Over the last 4 weeks I've spoken with 3 Ruoff associates,  and 2 managers by the name of XXXX -- each time they say the don't have my XXXX insurance policy and act as if it's my first time calling about the situation. When I spoke with the Ruoff manager,  XXXX, last time I asked how could they not have my XXXX insurance on file, then how did they pay XXXX my premium on XX/XX/XXXX? And by paying XXXX on XX/XX/XXXX for my inurance why would they then pay {$1300.00} for that other policy 47 days later on XX/XX/XXXX? It makes absolute no sense? Now I'm XXXX XXXX from my job due to COVID-19 and although I can pay my house payment, the extra added amount to " pay back '' that {$1300.00}, which is their mistake, is very difficult. This needs corrected, it's wrong and it's their mistake that will not fix

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
In accordance with the fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 any reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My wife closed Credit Card account on XX/XX/XXXX via Chase Customer Service. The Account was paid in full and auto pay shut off, account closed. On or about XX/XX/XXXX a recurring charge posted to the account while others were denied. We were unaware that anything had charged to the account. Subsequently residual interest was charged to the account on XX/XX/XXXX and then began the late fees. As far as we knew the account was closed with a XXXX  balance. We were not adequately notified that there was a remaining balance until pulling a credit report and noticing a 30 day late notification was on the report. I called Chase bank multiple times to address the concern and was put on hold for hours and told there was nothing they could do and also hung up on by a XXXX when pressing for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Credit report is showing XXXX XXXX XXXX which is myself AND XXXX XXXX XXXX  who is not me. I only have one social security number and one name. I need this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was compromised. However, creditors werent so polite to understand what took place and wouldnt remove it from my report

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 2021-04-29
Company: CAVALRY INVESTMENTS, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I get daily calls from Cavalry Portfolio about debt that is not my debt. They have given the name of the person that owes the debt. I have told them several times that I am not the person they are looking for, and have asked them not to call me. They still call and even leave voice mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Unable to access savings account from Goldman Sachs bank, two seperate accounts opened over 2 years ago, Bank refuses to provide information on the accounts without a set password that I do not know. I would like to withdraw the money in both accounts and close any and all dealings with Goldman Sachs.  letter received was titled " Marcus by Goldman Sachs. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: M&T BANK CORPORATION
State: CA
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 am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with XXXX XXXX XXXX  on or about XX/XX/23. 

I verified my external bank accounts through their micro deposit process on XX/XX/23 in order to deposit funds into my XXXX XXXX Savings account. 

On XX/XX/23, I deposited {$25000.00} from my verified, external bank accounts and my XXXX XXXX. account was subsequently " restricted. '' Essentially I was blocked from accessing my account/funds on the mobile app and website. 

Since then, I have called approximately 6-8 times and nobody can provide any information other then my account is " under review '' and initially I was told it could take up to 7-10 business days to resolve. It has now been 20 business days. 

After one of the phone calls, I was emailed on XX/XX/23 by XXXX XXXX, Member Advocate Team Leader, asking for my bank statements from my two external accounts. On XX/XX/23 I emailed her a copy of my bank statements. Since then I have sent a followup email every morning asking for an update on my account. No response to any of my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I signed up for an account with Experian on XX/XX/2020. When I signed up for the membership, there was no indication during the process of sign-up that I would be charged for a monthly fee of {$19.00}. I didn't know until XX/XX/2020 that I was charged three times for {$19.00} each month. When I inquired them about these transactions, they told me that there was a monthly fee of {$19.00} after the first month free trial. They are saying that I can find the term that I would be charged for this amount in their Terms & Conditions, but it's hard for users to read every single clause on the Terms & Conditions and their website is very misleading as it advertises that it is " completely free and easy '' and there is no indication whatsoever that there will be a monthly charge incurred for the membership fee. I am sure many other users are unaware that they are being charged for this amount. I only found out after coincidentally noticing one of the transactions on my bank statement. Please address this issue as they are deliberately concealing the information on their fee to have people use their service. What is worse is that they are stating that they can't remove my information due to their internal retention policy when I demanded that all my confidential information uploaded to their system be erased. This is a completely deceptive advertising method and it takes your private information for good.

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 2023-06-09
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: Account information incorrect

Complaint:
Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report private information. Also I have sent motionable instruments XXXX XXXX, previous to this complaint, not only did they keep the instruments but they did not reflect the payments to my account. 

This company has also been contacting me regarding a debt. I have received letter in the mail to include the one attached explaining they were going to reposes the vehicle. 

This has been really trying for my mental health 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 non-monetary relief
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These medical accounts are reporting on my credit report from a third party vendor and by law credit bureau 's can not report OK legally from a third party vendor

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 2018-02-16
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: Credit inquiries on your report that you don't recognize

Complaint:
Submitted dispute on XX/XX/XXXX in regards to inquiries on credit that I did not authorize and received a notice XX/XX/XXXX that some were deleted but they are still showing as inquiries on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2020-04-10
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:
I did Not Give any consent To Open These Accounts

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 2020-02-10
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
DO NOT EVER USE THIS COMPANY IF YOUR LOAN IS SOLD TO THEM YOU ARE BETTER OFF HOMELESS. I HAVE COMPLAINED AGAINST THIS COMPANY MULTIPLE TIMES. THEY WILL DO ANYTHING THEY CAN TO MAKE YOUR LOAN A HORRIFIC NIGHTMARE. FEES, RUDE INCOMPETENT EMPLOYEES. I HAD A LATE PAYMENT, I CALLED AND LET THEM KNOW A DATE I WOULD PAY. THEY LOCKED ME OUT OF MY ACCOUNT. I CALLED THEM THEY ARE REFUSING TO ACCEPT MY PAYMENT. I REFUSE TO GIVE THEM MY NUMBER AGAIN BECAUSE THEY CALL AND HARASS YOU. I SPOKE TO THREE REPRESENTATIVE THEY WILL NOT GIVE YOU A SUPERVISOR THEY WILL CONTINUE TO ASK RIDICULOUS QUESTION AND PLAY COI. I HAVE CONTACTED A LAWYER AND WILL BE SUING THEM. 

RUN FAR FAR FAR AWAY!!!!!!!

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 2020-04-30
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was transferred from XXXX to Mr. Cooper in XXXX. During that process I inadvertently made a payment to XXXX in XXXX. XXXX forwarded that payment to Mr. Cooper. Mr. Cooper misapplied that payment to principal and did not consider it a monthly payment. Therefore, they recorded that we were a month behind in our mortgage. We then received a letter to modify our mortgage. Beginning in late XXXX I have called multiple times to have the previous payment reapplied to our mortgage payment to no avail. Every time I call they tell me they will 'take care of it '. To date, it has not been reapplied. In addition, over specific objection the mortgage was placed on a modification. I am applying to refinance with another company and this has affected that application in a negative manner. I have made all payments up to date but our mortgage statement fails to correctly reflect that status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2020-04-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have two collections marks on my credit report. There was almost no information besides " CMRE financial services ''. There was no email, phone call, mail or notification that this payment was going into collections. That is the same for the " XXXX XXXX XXXX  ''. I have NO idea what that one is from. There was no information given to me let alone my right to dispute it ... I'm fresh out of college and can't get a car loan because of the two collection marks. From what i've read EVEN IF IT'S PAID it will stay on my report for seven years. 

I found out about " XXXX XXXX XXXX  '' today XX/XX/XXXX and paid it ... I paid " CMRE '' around XX/XX/XXXX. I found out after comparing dates that it was from an ER visit at XXXX XXXX Medical. No one could give me a solid answer of what I owed. My credit report would say one amount, and a representative would say another. Once again no information about what it's from or information about disputing. I asked if they could remove the mark and they said they " didn't know '' if they could or not. 

I'm pretty desperate of a car loan this week and these paid marks have caused me to be rejected from 6 lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Winklevoss Exchange LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I sold XXXX XXXX for {$230.00}. I accurately completed a request for transfer of these funds to my bank account. To date, this has not occurred. I have repeatedly emailed Gemini concerning this issue. I repeatedly get vague answers as to my refund or no response. I am requesting {$230.00} be wire transferred to my bank account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bayview Loan Servicing ( XXXX ) contacted me via phone regarding a delinquent mortgage they were attempting to collect. I do not have a mortgage. Bayview called my number because the name associated with the mortgage they were attempting to collect matched my name. Other than the same name there was no other association with the debt. Since I don't have a mortgage, or any other debt, there was no basis to associate my phone number with the person Bayview was seeking. There was clearly no diligence conducted on Bayview 's part related to my association with the debt or the Do Not Call list prior to calling me. When I asked how they obtained my number, given I didn't have a mortgage, and why they didn't check the DNC directory, the representative became belligerent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX is listed as doing a hard credit check XX/XX/20. I do not recognize and did not authorize this, and the phone number listed to contact them is disconnected. I do not have a small business and have not applied for any loans. I do not believe this is legitimate. If this is actually ( which I doubt ) related to the CARES act, then someone has used my information to fraudulently apply for a loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
Company: Experian Information Solutions Inc.
State: GA
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 was a victim of identity thief, I old roommate made purchases on my card while I was undergoing XXXX. He made unauthorized charges in which XXXX did not notify me instead start reporting negative items to the credit report. XXXX also sold my account and gave up all rights on this account. The company that took over this account and XXXX both agreed to have this account completely remove from all three credit bureaus and currently the account is still reporting on all three bureaus. Im a protected veteran and if this account is not completely removed from all three bureaus I will file sue against XXXX for allowing fraudulent unauthorized charges to be made and negative impacting of my credit file. The agreement was this account would be removed from all three credit bureaus. XXXX, Experian and XXXX have all agreed to remove it as long as they got request from 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