BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I requested XXXX to take care of title insurance for my real estate closing. During the closing, I was told by XXXX XXXX that they were not the ones doing the title insurance, that it was Fifth Third. He said it was my choice to select who I wanted. We had a Fifth Third loan representative there and asked her to change it and she called and nothing has been done to date. It has been nearly two months and no return of money. 
Secondly, there was a loan application fee that I paid for ahead of time that I was told I would be reimbursed. To date I have not received the {$350.00} from Fifth Third.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14
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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2015-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX 2013 The United States Bankruptcy Court - XXXX District of Florida had sent docs for a Chapter XXXX Discharge of Joint debtors for both : my self and my husband to ALL CREDITORS I have attempted to contact all the companys involved many times to have our credit information to be updated. Our Equifax reports has STILL not been corrected! I have also filed COUNTLESS disputes WITH EQUIFAX only to have them DENIED by and my credit score impacted further- this is in VIOLATION of the Bankruptcy court discharge! This needs to be corrected ASAP! - I want this backdated to XXXX of 2013 for the correction as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Issue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
When I went to the Free Annual Credit Report website and provided my information " TWICE '' it got to the downloading report message and just stayed there. Nothing was ever down loaded or shown on the screen. I attempted to contact the company but they have noting but a phone look and no way to talk to anyone to resolve the problem. I am afraid my information is out in cyber space somewhere for others to see and I am afraid my credit score has been negatively affected by trying to access my report twice. I believe there is some false information on my report and that is why I was trying to access it along with we are looking to buy a home and wanted the information for that purpose. A phone number is needed for customer service so people can contact and speak with a human to resolve a problem. I even tried obtaining a phone number from the Consumer Financial Protection Bureau to get a phone number for customer service from the Free annual credit report and they did n't have any other than what I had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had an automatic payment scheduled for my car insurance to come out on XXXX XXXX, 2015. Since the direct deposit for my payroll was XXXX XXXX, I normally would have asked the insurance company to delay a few days to ensure funds availability, however on this occasion I forgot. Realizing my mistake, I checked my account several times during the day and evening on the XXXX to see if the payment had been posted but the transaction was not listed on the website. In the event that the payment was posted on the XXXX, my plan was to borrow funds and deposit it into the account via ATM before XXXX. ( Previously a bank representative had advised me that an ATM deposit making the account positive before XXXX would help me avoid the fee. ) The following day when my direct deposit was applied, the previous day 's balance showed as negative then the fee was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX has sent me a statement stating the account is paid in full and closed. i sent it to XXXX for them to fix and 3 times they do not fix the error. I want it to reflect paid and closed. Thanks XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was working with Freedom Mortgage on a mortgage refinance. Every time I was asked for information, I always responded with 24 hours of the request. After not hearing anything for quite some time, I reached out to my loan processor to ask for the status. He stated my loan went dormant because they were awaiting a csubordination with the title company. Due to internal priorities at Freedom Mortgage, loan refinancing takes a backseat to new purchases. My loan was not a priority for them and it clearly showed. To make things worse, I received an email ( not a phone call ) from my loan processor 3 weeks after my loan had been closed stating that I need to reapply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I had {$1500.00} in a Bank of America Employment Development Department Debit account. Beginning XX/XX/XXXX and continuing to XX/XX/XXXX there were about XXXX charges to my account by XXXX emptying the account. The amounts of the fraudulent charges varied between {$0.00} and {$3.00}. I reported these fraudulent charges to Bank of America on XX/XX/XXXX and was promised that the money would be returned to me but could take up to 90 days. As of XX/XX/XXXX, 263 days have elapsed since reporting the fraud to Bank of America which has returned {$840.00} to the account. 

Since Bank of America has returned a portion of the stolen money and has stated that the, case is closed, it appears that Bank of America is declining to return all of the stolen money. I have received a letter from Bank of America stating that they, regret any dissatisfaction, which you may have experienced during the the dispute process. Being that the dictionary definition of fraud is, A deception practiced in order to induce another to give up possession of property or surrender a right, and Bank of America is attempting to induce me into giving up possession of my property, this appears to be a case of fraud perpetrated by Bank of America. 

Further, the Bank of America, California Employment Development Department Debit Card Account Agreement, booklet states in item 9, Bank of Americas Zero Liability Policy for Unauthorized Transactions, that I have no liability for unauthorized transactions which these transactions were.

Could you please help me get the Pandemic Unemployment Assistance funds which were allotted to me via the CARES Act of XXXX and fraudulently taken from my account returned to my 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 2023-02-27
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Per XXXX XXXX and Nationstar ( attached affidavit total of claim ( s ) total of claims paid ) {$28000.00}. 
Currently the mortgage company states I owe XXXX XXXX but if we take the {$28000.00} above and per attached and add the missed payments since they would not allow me to make a month payment. 
That sum will not equal anything close to $ XXXX needed to reinstate my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was harrassed by calls from representatives of 5th 3rd bank about my auto loan payment. I made the payment and they still called me. I told them it would n't show up in their system b/c it was over a holiday and a Sunday but they still asked me why do n't you pay your bills on time. This was the second to last payment on a car loan that I paid on time every month except this XXXX I simply forgot. I asked them to stop calling and they refused. The representative 's name was XXXX and her supervisor was XXXX XXXX - XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX account PAID IN FULL!!!!!!!!!!!

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 2020-01-14
Company: EQUIFAX, INC.
State: DC
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:
Upon viewing the result of my dispute on my credit report I notice in the public records sections its states that there a files listed but when I goes to dispute this it in the dispute center it states no public record in file. Also they still reporting inaccurate information from XXXX as in Collection as to date but when I contacted XXXX they indicated they have not reported sinceXX/XX/2014 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/XXXX I received a letter to appear in XXXX XXXX County Superior ( XXXX XXXX, Indiana ) court a motion initiated by Portfolio Recovery Services., LLC ( Plaintiff ). XXXX XXXX XXXX. XXXX, VA XXXX. 

Chronological summary : On XX/XX/XXXX, I received a certified mailing notifying me of debt from that was obtained from their company on XX/XX/XXXX. At such time I became aware of a fraudulent account opened in my name. I disputed the debt with both the debt collector and the credit bureaus. On XX/XX/XXXX I received a notice from the Portfolio that the acknowledged the dispute and requested with the consumer reporting agencies that the debt be listed as disputed. 

I received no further communication from the debt collector until XX/XX/XXXX. The debt collector filed a motion with the XXXX XXXX XXXX XXXX XXXX. I contacted the debt collector and informed them to cease court activity as the statute of limitations for court action for a debt in the state of Indiana was six years and the debt in question was from XX/XX/XXXX. 
I contacted the clerk of the Superior Court in XX/XX/XXXX and was informed that the plaintiff did not file the appropriate paperwork in time and that the court date was not scheduled. 
I received no notice to appear in Superior Court to dispute the debt. 
On XX/XX/XXXX, a default judgment was awarded in XXXX XXXX Superior Court Cause No. XXXX. 
I was not notified that a court hearing was scheduled and had no ability to defend my case that 1. the debt was disputed for fraudulent activity 2. the debt was past the legal statute of limitations in the state of Indiana.

This is a violation of the federal Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
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 have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2015-08-09
Company: Financial Business and Consumer Solutions.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX seeks to collect on a debt that is barred by the California Statute of Limitations. The debt is not mine and is unenforceable against me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XXXX   XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
IDENTITY THEFT AND FRAUD. 
INACCURATE INFORMATION DELETE CHARGE OFF. 15USC 1681e ( b ) ACCURACY OF REPORTING AGENCY WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY. 

XXXX HAS DELETED CHARGE OFF. CHARGE OFF IS XXXX XXXX XXXX XXXX IRS TAX FRAUD WHO HAS GAINED GROSS INCOME ATTEMPTING TO COLLECT A DEBT THEY DONT OWN. DELETE NONPUBLIC CHARGE OFF AND TAX FRAUD FROM CONSUMER REPORT. 

XXXX XXXX HAS FAILED TO VERIFY ALLEGED DEBT BY money audit trial through audit certification of debt entry in accordance with GAAP, IRS, in accordance with Basel 3, and UNCITRAL conversions. in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). 

DELETE NONPUBLIC ADVERSE INFORMATION TRANSUNION DOES NOT HAVE AUTHORIZATION OR WRITTEN CONSENT. TRANSUNION IN VIOLATION OF 15 USC 1681 SECTION 604A SECTION 2 CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT 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 2022-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an issue with my XXXX card in XXXX, a moving company overcharged me for services. I disputed the amount and refused to pay the moving company charge, which is being falsely reported as {$2600.00}. XXXX XXXX  then sold it to portfolio recovery associates and they have falsely reported to the credit reporting companies that the debt accrued on XX/XX/XXXX even though their own statement states that the last payment on the account was XX/XX/XXXX. Portfolio recovery calls me every day on both my personal and business lines. I want them to remove this from my credit report, and to stop calling me on both my personal and business lines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
State: AL
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 concerns are their unfair credit reporting processes. I paid my account within 30 days and my account was never late. However, it was reported late.

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 2016-06-11
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
CFPB complaint number : # XXXX After four ( 4 ) telephone calls to CFPB has REFUSED to release Report ( complaint number : # XXXX ) to XXXX XXXX. 
CFPB Supports Quicken Loans FRAUDULENT, BAD BUSINESS, DISCRIMINATION against Elderly XXXX Veterans, First Amendment Violations. 
CFPB Corruption ... How much did CFPB profit from Quicken Loans???? cies. 
1. Discrimination against Veterans. 
2. Invoking Escrow Account based FRAUDULENT DATA per CFPB request. 
complaint number is : # XXXX 3. Quicken Loans to IMPOSE an Escrow account upon a P.I. ( Principal & Interest ) loan since XXXX XXXX ( Mortgage Opened with XXXX, assumed by Quicken Loans in XXXX ). 
4. Quicken Loan RAISING Mortgage without Explanation. 
5. Quicken Loans IMPOSE Discrimination against Elderly XXXX Veterans. 
6. Quicken Loans continues to VIOLATE Customer 's First Amendment Rights. 
7. Quicken Loans WILL IMPOSE FORE-CLOSURE upon my Residence. 
8. Quicken Loans plans REMOVE the Poor from the Their homes and Seize property based upon Fraudulent methods. 
9. Quicken Loans DENIED REFINANCING to Keep High Interest Rate on Home and seize Property, Openly admission of Fraud, Discrimination based upon False allegations imposed by Quicken Loans upon their Customers. 
10. Denied Access to my Quicken Loans account. 
It 's Time for a Federal Class-Action Lawsuit against Quicken Loans 1. Quicken Loans DISCRIMINATION against XXXX Elderly Veterans needs to stop. 
Quicken needs resolve the Problem Quicken created since taking over the Mortgage Loan from XXXX .... Quicken will continue to provide BAD SERVICE as long as possible by misinforming the Bureau of Consumer Finance and Mortgage Regulatory. 
2. Mortgage needs to be Refinance from 30 yr ARM to 15 yr Fixed Mortgage per President OBAMA, Despite it 's NOT in the best ( % ) interest of Quicken Loans. 
3. Allowed access to 'My Quicken ' account online website to review Tax statements, Paperless documents, and submit complaints to 'Quicken Bureaucrats ' who refuse to RESOLVED PROBLEMS 4. Quicken will submit email Messages ; concerning status of account, Statements, Tax information ; In other words, I want to the same service that other 'White Customers ' receive without DISCRIMINATION! 
5. Quicken Customer Service will extend service to me and STOP DENYING or REFUSING service. 
#. Quicken ADMISSION to DISCRIMINATION against XXXX ELDERLY VETERAN ... Quicken will continue items 1-5. Quicken Corporate has made it clear of their REFUSAL to resolve the issues, instead they mail a useless response document ( XXXX ) filled with legal jargon that fails to resolve the problems. 
XXXX Elderly Veteran with an XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2020 I paid a collection account to XXXX XXXX XXXX. This payment was to satisfy the balance in full. XXXX XXXX XXXX agreed to delete this collection from all three credit bureaus. As of XX/XX/2020 XXXX  and XXXX XXXX have both removed the account from my credit report. However, Equifax has not removed it nor have they updated the balance to {$0.00}. This account is reporting incorrectly and needs to be updated immediately for mortgage purposes. It should be deleted just like the other two credit bureaus. XXXX XXXX XXXXXXXX informed me all three credit bureaus were given the correct information. They stated they requested to remove the account from my credit reports.

Company response to consumer: Closed with explanation