BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company is Rocket Mortgage. I went onto my mortgage account page and was immediately stunned because there was a big change in my monthly payments. 

I contacted Rocket Mortgage and was told that what happened is that they accessed my escrow, mainly the county taxes on a way lower tax amount then they should have and that I will either need to pay a lump sum of what I owe or pay it spread out over 12 months. Now my monthly mortgage payment is way higher then expected which is going to cause a definite hardship to my life. 

Now my new monthly payment which is coming up in XXXX, is being based off of this much higher tax amount PLUS the large shortage. The large shortage is in the amount of {$4200.00}. 

Before this change my monthly payment was {$550.00} and now its a whopping {$1100.00} because I can not afford to pay the {$4200.00} in a lump sum payment so now it's going to be spread over 12 months on top of my higher tax rate. 

So now I'll be struggling for an entire year because I have utilities, credit card bills, car payments to pay on top of this. Not sure how I'll even afford to eat. 

My new Mortgage payment would have been around {$790.00} ( affordable ), if they had calculated more accurately on taxes. Now I must play catch-up and pay {$1100.00} every month for an entire year to pay the {$4200.00} off. 

If this was a small change it wouldn't be much of a problem but I feel like this is a large difference and due to rocket mortgage I now have to struggle to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX  XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX {$270.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 XXXX XXXX. # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I have a discharged/dismissed Bankruptcy on my credit report that I have tried to dispute with the bureaus to remove since it no longer legally exists ; this item can't be verified with the courts and is only verified via public record with XXXX XXXX. I want this item removed immediately. My first dispute I mailed on XX/XX/XXXX then another one on XX/XX/XXXX. Today is XX/XX/XXXX and no bureau has supplied me any proof or documentation that this is valid, and since it can only be verified via PUBLIC RECORD it is not a valid account!

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Request to list my only legal name and address and remove all other information being reported as it is inaccurate. Filed dispute with all 3 credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 2022-08-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Follow-up to complaint XXXX Wells Fargo has neglected to provide the documents that were subpoenaed. I spoke with a XXXX XXXX who stated that no documentation was provided by the borrower ; however after thorough review of the documents that Wells Fargo would release, it appears that is not true. In addition to failing to comply with a court ordered subpoena, Wells Fargo has also stated that in order for me to obtain any additional information, including what is listed in the original subpoena, i must provide a new subpoena due to change in counsel. This is absolutely not true and is a waste of time and money as the case has not changed and a substitution of counsel has been submitted. I have sent an appeal letter to Wells Fargo requesting these docuemts. 

As an equal co-owner of the property, I have interest in this property and was never made aware, nor did i authorize, the unilateral forbearance or payment deferral that was initiated by my husband, XXXX XXXX. While I am on the deed and mortgage, i am not on the note ; however his unilateral actions have incurred debt on a jointly owned property. 

I would also question Wells Fargo 's process for determination as well as decision to grant any type of COVID-19 hardship loss mitigation option as the note holder, XXXX XXXX , as he has not had any type of COVID-19 hardship. He has a surplus of funds for XXXX, XXXX and XXXX and was more than capable of paying the mortgage monthly. His suspected fraudulent activity has increased debt to a jointly owned property. 

I would also like this forwarded to XXXX XXXX. 

See attached documentation. 

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 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
After running a full credit report and noticing different variations of my names, addresses, phone numbers, etc. I wrote a letter to TransUnion on XXXX XX/XX/2021 requesting that my personal information be corrected. In the letter I explained my situation and listed all of the information and corrections that I wanted applied to my account. Also, asking that any previous personal information be removed from my TransUnion account that didn't match the information summited. Seeing that this information in the first full credit report that I ran was inaccurate. Included in my letter was two copies of my mailing address and two copies of my personal identification, one being a scanned copy of my social security card. On XXXX XX/XX/2021, I received a letter back from TransUnion with a full credit report with none of the information that I requested applied or removed. There were no changes made to my credit report from TransUnion and that is why I am making this complaints today.

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 2017-06-25
Company: Money Management International, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I successfully submitted a complaint to cfpb on  XXXX   XXXX ,  2017 . The cfpb portal created gravely misleading reference number 2017- XXXX  by program error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Law Office of Brett M. Borland, P.C.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/XXXX XXXX XXXX XXXX sent me a letter regarding my dispute i open with them on the incorrect balance they stated i owe of {$2400.00}. 


on XX/XX/XXXX i sent in require information of the update lease i last sign with my landlord at the time. 

the last lease i sign with XXXX XXXX XXXX was XX/XX/XXXX with me and my daughter listed. My rent was {$0.00}, ( i live on a base income apartment ) I made a phone call to XXXX XXXX on XX/XX/XXXX trying to get this resolve and settle, she stated she never look into the information that was sent in by me she sent it over to the client that stated my balance was correct. 

she also stated she can not help me and that she do not work for me and she was over talking me, it was a lot of over talking each other. 


I also tried to resolve and get a better understanding on the balance that was submitted that they stated i owed i contacted XXXX. XXXX today XX/XX/XXXX she stated that she could not give me a break down of the amount that they stated i owe them she also hung up on me with stating for me to not call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: AL
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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Experian Information Solutions Inc.
State: CA
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:
Experian and XXXX respectfully needs to remove the Derogatory Remarks of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX as a agreement was made with XXXX XXXX XXXX on my auto loan # XXXX to put my account Current and removed all derogatory remarks of 30-60-90 days late of XX/XX/XXXX,XX/XX/XXXX-XX/XX/XXXX. 
XXXX made errors on agreement and I misplaced my reading glasses when accidently signed Payment Extensions of XX/XX/XXXX-XX/XX/XXXX. 
As far of XX/XX/XXXX., through XX/XX/2019 all timely payments of {$440.00} was always made on time and deducted from my XXXX XXXX XXXX Account # XXXX. 
I provide it evidence to Federal Government and US Senator XXXX XXXX. 
I respectfully gave Consent authorization of my Privacy Release to Senator on my issues of XXXX and Experian and XXXX. 

I am respectfully XXXX Lifetime and Retired and a US XXXX Honorable Military Veteran. 
I am going through a VA Loan and home purchase process in Florida with XXXX XXXX  and XXXX XXXX XXXX in Florida, but it appears that XXXX, XXXX and Experian are Retaliating, Discriminating against me on my Lifetime XXXX and National Origin as a XXXX US Military Veteran. 

Experian and XXXX  are holding my VA Loan process with XXXX Derogatory Remarks on my credit reports. 
XXXX administration made contact with XXXX  to remove all Derogatory Remarks from XXXX. 
But I review the credit reports that Experian and XXXX and derogatory Remarks are still listed on my credit reports. 
XXXX, XXXX and Experian are in Federal Violations and my ADA Disability Act under Department of Justice. 
This is a very Urgent Matters.

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 2018-02-17
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account with TransWorld inc for ( purchasing power ) is Paid in full.

Not sure why this is the 3rd complaint I am filing in this credit reporting agency. But I am now requesting this gets further filed with fraud department. I no longer want to proceed with keep filing complaints at this time, they are constantly reporting inaccurate information on report, which is effecting my name. Please refer to 2 complaint filed on this same agency-TransWorld inc.

I have paid in full my account. 1st payment on XX/XX/XXXX of {$620.00}, 2nd payment for remainder balance {$300.00}.

Today my credit report shows a NEW report again from this agency, not surprising at all? Because they have been making fraud statements on my report, first report there was nothing reported to my credit report, sent a complaint with an attachment showing it was on my XXXX   report. Now that is paid I show a NEW collection has been added to my report on XX/XX/XXXX. How is this possible when you got paid in full and sent a letter stating I paid in full. 
PLEASE VIEW ATTACHMENT AGAIN where this is now on my XXXX! If this is resolved accordingly with all 3 complaints I will move forward with an attorney, because consumers has rights to fair reporting. Thanks. 

( Please do not delete complaint ) sent on : XX/XX/XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Google Compare Credit Cards Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On Saturday XX/XX/XXXX I purchased a XXXX XXXX card for XXXX from XXXX. Sent info to my granddaughter in another country, as I have many times before with other cards. She could not activate it and neither can I. 
I took it to XXXX to exchange with receipt in hand, and they wouldn't help. 
I started trying to reach the number on the card but they were closed. 
Got up early today, Monday, and called the number again. I spoke to customer service at XXXX XXXX XXXX XXXX and they transferred me to the XXXX XXXX people. I was disconnected! 
I called right back and followed the lengthy process again and was being transferred but was told nobody answered that number so someone from that dept would email in an hour or so. 
I constantly kept vigil. After two hours, I called again and texted customer service. I was again transferred to a number and was told again they would text me.Hung up and redialed to no avail, nobody was picking up. 
After another 2 hours, I texted and called again. No answer to either. Twice now. 
As far as I'm concerned XXXX has stolen {$50.00} from me and could care less about their customers. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Byrider Franchising, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to my car situation and not being able to get a rental due to losing my job etc. I want a better car payment. I was able to get some extra cash by paying extra on my car payment but I still lost a good paying job. Plus having XXXX XXXX, daycare is not cheap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: National Credit Systems,Inc.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was notified by mail that money due from the apartment I was moving out of was being sent to collections before payment was even due because the company had sold. With only a few days notice and my concerns with the charges, I feel I was not given a chance to clear the matter before they just turned my account over to National Credit Systems for collection. For this reason ( and others ), I filed a dispute with the collection company National Credit Systems within the 30 day period, that claim was denied. With a lot of fear being set on me that they were about to report to my credit if I didn't make a payment, I decided it was not worth the fight. I know I am responsible for some of the money they are trying to collect, so I came to a settlement agreement for a less amount. Now they are requesting a payment, but refuse to provide me with any documentation stating the agreed upon amount until I pay the total settlement. The only reason they can give me as to why they will not provide documentation is that " they just don't do that ''. I have made many calls to the State General Attorney, the Federal Trade Commission trying to get some clarity on the situation. And I am repeatedly told to not give them money without something in writing. I feel like this is a very reasonable request, I want to pay them and clear this up, but I also need to protect myself and I am not being allowed to do so. 

My credit is my main concern because I am needing to get car in the next few months and a negative remark on my credit will hinder that. I have expressed this to National Credit Systems and I feel they may be using that to their advantage as a scare tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Lending Club Corp
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: Account status incorrect

Complaint:
Good afternoon, I was impacted by the pandemic my last day in my office was XX/XX/XXXX. I returned and had no choice but to accept a demotion on XX/XX/XXXX making approximately $ XXXX less than I was making. I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed a payment. The Corona Virus Aid Relief Economic Security Act was enacted in XX/XX/XXXX stating Late payments should not be reported to the Credit Bureaus. I contacted Lending Club letting them know of my situation. They allowed me 3 months grace period. After 3 months, I told them I was not back in my office and I'm not able to make my regular payments. They told me they are not able to keep my account open unless I make my regular payments, or I can settle the account. I settled the account and paid the amount settled in full. I contacted them on XX/XX/XXXX letting them know of the Corona Virus Aid Relief Economic Security Act, asking them to please remove the late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they responded and refused to do anything about it. Before the pandemic I always made my payments on time. If it wasn't for the pandemic, I would be able to make my payments on time. My Loan # is XXXX. I'm trying to refinance my house to pay off my credit cards but I'm not able to do so because Lending Club derogatory information is affecting my credit score and my ability to do so. Please call me if you have any questions XXXX. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
" MULTIPLE PROBLEMS WITH A CITIBANK , N.A . IN U.S.A. AND IN THE XXXX. ". I HAD BEEN TOURING AS A RETURN RESIDE T IN XXXX WHEN I LOST POSSESSION OF MY CITIBANK BEBIT MASTERCARD IN XX/XX/2018. ON XX/XX/2018 ;. I REPORTED TO THE CITIBANK RESOLUTION FOR ESCALTION TEAM TO TAKE INTO CONSIDERATION, MAILING MY LOST ITEM ( PERSONAL BANKING CARD ) REPLACEMENT FOR MY IMMEDIATE HELP. IT NEVER HAPPENED. MANY PROMISES WERE MADE AS I AWAITED IN ONE HOTEL FOR IT WAS MAILED ACCORDING TO CITIBANKING AGENT ;. THEN IT WAS RETURNED ACCORDING TO ANOTHER AGENTS BECAUSE  OF LACK OF ZIP CODING AND ISSUES FINDING THE HOTEL, 'A PLACE OF BUSINESS IN XXXX TRANSACTING EVEN OVERSEAS WITH XXXX MAIL SERVICES, ETC. ". 
" I KEPT IN CONSTANT CONTACT WITH CITIBANK BECAUSE I HAD THE INTENTION IF RESIDING IN XXXX, XXXX XXXX OF THE XXXX AND WAS UNABLE TO FIND A SUITABLE HOME FOR RENT OR PURCHASE ;. IF CONSIDERED WITHOUT ACCESS TO MY FINANCIAL INSTITUTION AND CITIBANK 'S PERDONAL ACCOUNT FUNDS. '' " I HAD NOT BEEN SUCESSFUL WITH USE OF ONLY A DEBIT CARD FROM ANOTHER DEPOSIT ACCOUNT ''. " ANOTHER OBDTACLE WAS THE FACT THAT I HAD NO ACCESS TO STORE MY " XXXX  '' AT ANY FAMILIES HOME THEY WERE ALWAYS KEPT AT THE XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX. '' " I HAVE NOW RETURNED TO YHE UNITED STATES WITH NEEDS OF ACCESSING MY FUNDS FROM CITIBANK LOCAL FINANCIAL INSTITUTION ''. 
". AT THIS TIME, ALL I HAVE BEEN ADVISED BY AN EXPORT MANAGER IS THAT MY HOUSEHOLD GOODS " HHG '' ARE IN THE U.S.A. IT IS UNDER THE CONTROL OF A BROKER COMPANY, XXXX XXXX XXXX And XXXX XXXXXXXX XXXX XXXXXXXX. ". I AM BEING REQUESTED TO MAKE PAYMENT BY BANK ACCOUNT ONLY BUT HAD NO ACCOUNT TO DRAWN ON. NONETHELESS, I OPENED AN ACCOUNT WITH ANOTHER FINANCIAL INSTITUTION CALLED XXXX XXXX. HOWEVER, THIS ACCOUNT IS NOT EXACTLY ACCESSIBLE TO ME AS MY DEBIT CARD WAS CLOSED. FUTHERMORE, IT IS UNDERGOING REVIEW AS A RESULT OF UNK. REASONS. '' 1 ) " CITIBANK HAS NO FINANCIAL INSTITUTIONS IN THE STATES OF MISSISSIPPI AND TEXAS, currently ONLY ATM outlets ''. 
2 ) " CITIBANK HAS ALSO REFUSED TO ALLOW THE REISSUANCE OF A NEW BANK CARD TO MY CURRENT ADDRESS IN THE U.S.A. '' 3 ). " I WAS TOLD THAT I MUST RETURN TO ANY UNITED STATES OF AMERICA FOR IDENTIFICATION PURPOSES. I ASKED IF ANY OF THE 50 U.S.A. STATES WOULD DO, AND YES I WAS TOLD. '' " THESE ARE THE REASONS THAT I NEED IMMEDIATE ACCESS TO MY PERSONAL CHECKINGS ACCOUNTS WITH CITIBANK TO OBTAIN MY FUNDS.

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