BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have asked for these accounts to be updated, by the respective credit bureaus, and expressed truthfully and accurately. The accounts listed in the documents provided are not being reported truthfully and accurately. Please update the accounts with information I am asking for and provide me via this CFPB portal with the documents used to update the 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 2023-09-22
Company: Data Mortgage Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Since Essex Mortgage was moved to a new servicer, I continue to have issues with them. 
They will not honor my deferment placed by the previous loan servicer. They continue to drag their feet, saying they will be sending me loan modification paperwork, which I have been hearing about for over a month. In the beginning, they would not honor my trial payments, and I then took action to get this resolved. 

Previously, on XXXX XXXX, I was told via email ( and two phone calls with department heads in the loss mitigation department ) that I could continue to pay {$1200.00} every month moving forward, which was the previous trial payment amount as agreed upon with the old servicer.

My monthly statements include an unapplied payment because my payment isn't the in the full amount. However, I never had any issues with this with the past servicer. My payments were recognized as full payments, again, because that was the amount agreed upon. The monthly payment I have been making has been sitting in suspense ( see attached documents. ) I called to inquire why this was occurring, and I was told I owe {$1200.00} each month, not {$1200.00} -- which is a surprise to me. Why was I told I can make a payment of {$1200.00} by several people if that wasn't the case this entire time?

I did NOT approve the payment amount changed. I never asked for it to be changed, and I never signed any paperwork that said this amount would be changing. I was told via email I could continue making the trial payments of {$1200.00}, but then I received another email today saying I owe $ 1268 monthly and $ XXXX to pay off the loan amount. This is not applicable to me -- I have an FHA loan, and when forbearance ends, I do NOT owe this lump sum back. They continue to send me letters saying I owe this amount of $ XXXX by XXXX. I should not have to fill out more loan modification paperwork to get this resolved -- they should have the documents provided by the previous servicer. 

Unless I receive otherwise in writing, I am going to continue making the payment of {$1200.00} each month. This confusion should not be happening. I never had a problem until the servicer switched. I would like some clarity on what is actually owed monthly. I would like my deferment terms honored. I will continue to report them until this is resolved. I should not be dealing with this as a first time home buyer who has worked hard to get back on track after XXXX months of unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received two letters in 2022 from Wells Fargo that there was an account opened in my name.

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 2023-03-26
Company: ALLY FINANCIAL INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I returned shoes purchased online through XXXX. I have purchased from this online retailer in the past and have also made returns with No encountered issues ever before. I have always used the same account to pay. On this occasion I used XXXX pay - but all of my XXXX services and XXXX account are linked back yo the same checking account/debit card. 

However on this occasion after I dropped off the shoes at XXXX per XXXX return mechanism, I later got an email stating that my refund had been declined. I spent over an hour on the phone with XXXX and also contacted XXXX pay who both felt that my bank was the issue. 

At no time did I receive any sort of verification request from my bank for the transaction- as banks do with suspected fraud. Nothing via phone text or email from Ally ( my bank ). 

I called Ally ( my bank ) this morning and the representative, although very polite, offered no real explanation as to why this had happened or assurance that it would not happen again. It was not until 45 minutes into the conversation that she honored my request to speak to a supervisor who I knew could at least maybe escalate the complaint. The supervisor was again very polite and did say it was declined for suspected fraud - but could not answer why I was not contacted to verify the transaction. 

I know that fraud protection exists to protect the consumer but in this case I, the consumer, have been hurt by this. Due to XXXX policy of not issuing a second refund I have to wait 8-12 weeks for a paper check. This could all have been avoided if someone would have put the customer first. 

Because of this mess and no one willing to take ownership I am out of pocket almost XXXX XXXX for 8-12 weeks, which is unacceptable. For some people that amount of money would be the difference between being able to eat/pay rent or not. It is a lot of money and could be earning interest. 

Ally should have a more humane process to verify suspected fraud if that is the case. I could have verified this in a manner of seconds had they contacted me instead of arbitrarily deciding that the transaction was bogus with allowing me no input. They certainly did not hesitate to take the money out of my account on the purchase end. 

Since Covid I do not like to go into public or stores unless I have to. Besides, I have difficult to fit feet and needed shoes for an event. As Ive done in the past, I ordered some and sent back what did not work. 

Again, Im a victim in this case.

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 2023-09-15
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Due to medical issues if a family member, and assisting an adult son also with medical issue, I was is forbeance for a few months. 

Upon agreeing to start the payments, I was told I had to modify my loan, which I understood. 
When receiving the details, my interest rate jumped from 3.75 % to7.0 % added 10 years on to the mortgage, and monthly payment went from {$770.00} to {$1.00}, XXXXXXXX XXXX I asked how this was helping me, when asking to paying my extra each month to pay the arrears. Their reason was I could not afford it. But I can afford an extra {$300.00} amount for another 33 years. 

I am making more money now than I was, and they never did any sort of financial check. 

I feel I'm being penalized for a financial issue I had no control over. 

I had to sign a modified agreement to keep from going into foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Credit Karma, LLC
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
There was an overpayment that was made to my XXXX bill matrix account on XX/XX/11 in the amount of {$100.00} which includes a {$2.00} fee for payment online. I contact credit karma to dispute the payment. The agent I spoke with advise me that he had to disable the card and send a new card. Well since then the company XXXX BILL matrix has been trying to send back the funds to the card that us XXXX. Which I have attached the screenshot of the return. Now with the card being XXXX my funds are sitting in the air. I spoke with credit karma to dispute the charges so my funds can go back to my new card and not sit in limbo. Every single agent is no help. The only words they can provide is " there is no duplicate charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a joint owner on my mother 's checking and savings accounts with Capital One. The accounts were locked by Capital One on XX/XX/2023 after I notified them my mother had passed away. 

On XX/XX/2023 I submitted the required documents ( notarized Letter of Instruction, death certificate ), I did not received any response until XXXX/XXXX/XXXX  when the Letters Testamentary were requested. I submitted the court document I received showing I am the executor of the estate and the personal representative for probate on XX/XX/2023. 

On XX/XX/2023 Capital One requested executor documents again, I responded asking what specifically I need to submit, I have sent everything they requested. These are also the same documents I used to close all other accounts for my mother with her other banks. They responded they would need to speak with their legal department. 

It is now XX/XX/2023, I have not received any additional response from Capital one. When I call customer service I am told the estate department does not have a phone number, only email. They do not respond to email. Currently they are holding all money in the account and will not allow access or closure of the account. I can not get in touch with anyone at the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XX/XX/XXXX I paid XXXX XXXX on my Capital one Signature Visa XXXX for my one beg fee XXXX to bring my luggage safely to my destination XXXX XXXX  on XX/XX/XXXX. While my luggage have delivered to me on XX/XX/XXXX. When I checked my luggage it's damaged and missing my laptop and it's electrical cord. I have reported same day to XXXX XXXX to their XXXX number but they have never shown me where to file for my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, INC.
State: TN
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 have submitted a letter from XXXX that shows that they submitted a request to all three major credit bureaus to remove the bankruptcy. None of the three have removed the bankruptcy. In addition, there never was a bankruptcy and the XXXX XXXX XXXX  could not have charge off an account in bankruptcy that did not exist. To further the conspiracy Equifax has been blocking my account so that my recent credit cards can not report. XXXX Bank and XXXX XXXX banks are two of the four that  have been blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
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:
XXXX XXXX and XXXX Please make-up your mind You are reporting me delinquent for Citizens one Hone loans as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXXXXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not one not but minions of times that Citizens has provided you with the current delinquency months yet you XXXX XXXX XXXX XXXX have failed to update it correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-02-24
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: Personal information incorrect

Complaint:
I have sent letters to the bureaus informing them that I was in fact born in XXXX, not XXXX, and i have requested over and over again to validate various accounts that are being reported incorrectly and not once have I even received 1 letter to inform me that they acknowledge my concerns.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I suspect fraudulent inquiries on my credit report. Below are the inquiries listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has recently come to my attention, someone has stolen my identity and has used it to open a line of credit with a company called XXXXXXXX XXXX XXXX I don't know who this person in nor do I know how they got access to my personal report. I have tried to dispute this account multiple times but the company keeps verifying this account belongs to me which it doesn't. THIS ACCOUNT WAS OPENED DUE TO A FRAUDULENT APPLICATION UNDER MY NAME. The below referenced account is the fraudulently opened one. 
XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/2022.

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 2022-11-30
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts were created shortly after my identity was stolen I have no knowledge of these 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 non-monetary relief
Consumer complaint received 2023-01-20
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: Investigation took more than 30 days

Complaint:
I mailed out dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently sent out disputes on XX/XX/XXXX and I have yet to receive a response from XXXX, XXXX, Transunion, or 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 2023-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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