BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: Scratch Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my husband, took out a loan through Scratch Services, XXXX of XXXX XXXX CA, a XXXX loan. The amount he/we borrowed was around {$8500.00}. We considered this a very small loan and intended to pay for it over six months. 
Email communication with this company has from the start verged on harassment from the beginning, along with nagging for us to give them our checking account number so we could allow them to take the money out of our checking account automatically every month. I, his wife, handle the bills in our house, so I arranged payment. 
The first payment was due XX/XX/2022. Through autopay out of our checking account we arranged to send the company a paper check on XX/XX/XXXX, nearly two weeks before the due date. 
The very DAY it was due, XX/XX/XXXX, he began to get multiple emails from the company saying it had not gotten our check and telling us to enroll in services which would give them access to our checking account, which we didn't want to do. At the same time the company 's email said it took 15 DAYS to process paper checks. 
Multiple emails and phone calls between us and the company followed. I began to feel like this company was not a legitimate company. We talked to multiple people to straighten this out. My husband had to make me an authorized user on the account, which he did. so I could communicate with this company, as I handle the bills in our house. Finally, having the company swearing they never got the checks I sent, I authorized, over the phone, a one-time payment from our checking account for nearly {$1500.00} on XX/XX/XXXX because I didn't want our credit rating to be affected. 

Of course, two days later they found our checks- which my bank account had issued a stop payment on - and cashed them!!!!!! I called about it and Scratch XXXX now says I am not an aurhorized user, that my husband will have to authorize me every time I talk to them. I have owned four houses and have a perfect credit rating, as does my husband, and this is the worse lending company either of us have ever dealt with. I intend to file complaints with every single government agency or website to tell people they would be better off borrowing from any institution than Scratch Services XXXX. It's been an awful experience for a loan that is tiny. After I write this I will pay off the entire loan because I can't stand dealing with such incompetence for ten more minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, I informed XXXX XXXX of Rocket Mortgage that I did not want to go through with the VA Cash-out Refinance mortgage loan because I needed to look at all my options. 
I did not like the idea of paying a {$500.00} fee and he was rushing me to sign the loan estimate and other documents. 
I kept receiving many phonecalls from XXXX and another Rocket Mortgage associate. On XX/XX/2022, XXXX left a voicemail message that my mortgage refinance application is being withdrawn. 
At the time I was going through a family emergency. My thoughts were not on anything else but my family. 
Yet, I continued to receive calls and/or emails from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and other Rocket Mortgage associates. I informed them of the family emergency and that I will not be opening a new application. 
I also informed the Rocket Mortgage representatives to remove me from their call list and database. Yet, they keep contacting me ( to include this XX/XX/XXXX morning ). This is harassment. 
On, XX/XX/2022, I noticed an unauthorized credit card transaction for {$50.00} from Rocket Mortgage. I find this behavior highly criminal and disgusting. I did not follow through with XXXX on this mortgage application/loan estimate/loan disclosures nor did I open a new application with Rocket Mortgage. I'm a 21-plus years Honorably XXXX and XXXX XXXX military veteran. I'm highly shocked and offended by Rocket Mortgage 's aggressive and unethical actions towards me. You all have triggered my military-incurred ailments! You all showed no respect or concern for me and my family emergency. I'm unemployable due to my military-incurred ailments. I live on a fixed income. To steal money from anyone is wrong. To steal money from an unemployed and permanently XXXX military veteran because I decided not to be rushed to sign documents and not go through the application is wrong. Rocket Mortgage has a problem with their moral compass and it needs to be fixed! I want my money returned immediately and I want you all to cease with your harassing phone calls/emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: EQUIFAX, 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:
I initially filed a complaint with Equifax about reporting two mortgages that are either duplicates or incorrectly recorded on their end, and three mortgage " hard inquiries '' that should have concatenated due to shopping around. 

These mortgages add up to {$210000.00} of debt that should not be in my name. 

I caught this after noticing only Equifax reported a 30pt drop in my credit score via XXXX XXXX. 

I filed the complaint in the beginning of XX/XX/XXXX, and received a " completed '' investigation email today XX/XX/2018. Upon attempting to login, the website threw an initial system unavailable try back later. 

I tried again five hours later, and my social security number and information no longer work. They are pulling up someone else credit history to question against! 

I can't access their online report at " XXXX '' -- they expect me to now scan my social security card or passport, and a bill from my home and mail it to them? 

This company has already reported to me that they are monitoring my name for fraud as it was compromised in their leak, and they are now committing fraud by preventing the removal of erroneous accounts, or me seeing my credit report. 

I don't understand how Equifax is the only one reporting this incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion has yet to answer to why XXXX appears on my credit file in which they say. I don't need to provide documentation due to the fact Transunion has not provided nothing from XXXX in regards to why hard credit was ran with no documents on there part nor has Transunion provided any proof on there part to why XXXX is showing. on my Transunion account I did not give sign or agree on phone or internet to running hard credit. Transunion does nothing but give some run around answer with no proof from Transunion.There has been nothing back to XXXX XXXX regarding them running credit nor has XXXX responded to transunion other wise to show any documents sign or permission giving to run credit. It's fraud and transunion has no proof and needs to delete XXXX or provide proof not me I have no proof 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
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: NY
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 Account # XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
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:
department of XXXX XXXX department of XXXX  XXXX department of XXXX XXXX department of XXXX XXXX department of XXXX  XXXX department of XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: JPMORGAN CHASE & CO.
State: PR
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:
i call to chase and they said that I has to call XXXX, when I call XXXX they said that they not have a chase inquiry in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: Monarch Recovery Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear XXXX XXXX I am responding to previous CFPB complaint XXXX, Allied Account services , Inc stated that the account was assigned for collections by the creditor of record, XXXX XXXX .I did not consent to have my non public personal information to be shared with any other company/agency/entity regarding the account that I had with XXXX XXXX I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information, As of today XX/XX/2022, I no longer give your company, its partners, and affiliates knowingly and unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you nor gave you consent to have my personal information. I am a consumer and consumers have a right to privacy. Privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy you company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an " assignment of accounts '', chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only, which is what your company ( a debt collection agency ) is doing by demanding I owe an alleged debt, you were prohibited to take this account in the first place, but you decided to buy this alleged debt anyways. Therefore I am demand your company, its partners, and affiliates to have this account deleted from any CRAs you reported it to, for infringing my right of privacy within 10 business days and I prohibit your company from transferring this account to another debt collector. I am giving your company 30 days to update my request, cease furnishing my private information and cease and deist all communication unless it pertains to resolving this matter. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights and I demand that your company does not have an attorney contact me as that will be a violation of 15 U.S.C. 1692e ( 3 ) which states '' The false representation or implication that any individual is an attorney or taht any communication is from any attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
XXXX XXXX signed up for automatic payments on XXXX XXXX, XXXX, to have the minimum amount due paid by the monthly billing statement due date to be taken from his checking accounts. Boa dishonors this promise. XXXX sought compel boa to honor this automatic deduction or forfeit fee.

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 2022-06-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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: Account information incorrect

Complaint:
Rushmore Loan MGMT Ser and XXXX XXXX XXXX. My credit report is showing Rushmore Loan MGMT Ser and XXXX XXXX XXXX  XXXX both open XX/XX/. That information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I opened an account with Citibank for the sole purpose of holding security deposits for a rental property. I told Citibank that this was the purpose, that is, I did n't need any extra services for this account other than to hold the money and to write a check to outgoing tenants, which would happen at most twice a year. I requested, and was confirmed, that there would be no service fees on this account, in part because of the purpose/needs of the account and in part because I have been a long-time customer of Citibank that usually maintains a somewhat large balance in my main checking account ( currently $ XXXX, but over the years has been more or less than that ). 

The bank clerk signed me up for a Citigold account, which unbeknownst to me carries with it a $ XXXX/month service fee. I admit I should have been more vigilant about checking up on this, but I 've always had a good experience with Citibank, and had no reason to suspect they would do anything other than what they said they would do. In addition, because of the purpose of the account, I had no reason to check on the activity of that account. 

It was n't until about two and a half years later ( approx XX/XX/XXXX ), when I was getting ready to write a check to some outgoing tenants when I checked the balance and noticed that it was much lower than expected. 

I have contacted Citibank in person twice, on the phone two or three times, and written them mail about a dozen times. I will sometimes be offered relief on the fees going back four months, but they claim to be unable to do more than this. They will often tell me to contact the customer service center ( by snail mail ) but this has been the least fulfilling ; the responses usually indicate superficial comprehension.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 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 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 2022-01-12
Company: TekCollect Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Bank allowed an insurance company take out money from my account that I did not have in there. I had closed the account and there should have been zero activity on it. Due to XXXX bank 's error, I was overdrawn XXXX and they sent it to a collection company and now it is the only negative item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX  XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office of Child support-XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states 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 2019-11-22
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was referred to Wyndham Capital Mortgage from XXXX. On XXXX XX/XX/2020 at around XXXX CT, during a phone call with XXXX XXXX at Wyndham Capital Mortgage , she performed a hard credit pull without my permission. XXXX made a misleading request to authorize a hard pull. I believe that she used vague language on purpose to try to trick me and that this practice may be widespread at Wyndham Capital Mortgage. 

She first asked me : " Is it OK if I pull up your liabilities? '' I knew she might be wanting to do a hard credit pull, so I asked her " What do you mean by that? '' Then she said " Can I get your credit pulled up? '' Again it was unclear to me what the phrase 'pulled up ' meant. So I asked her if she was asking to do a hard pull or a soft pull. After her response, I said " I authorize you to do a soft pull. '' Then I got a notification from XXXX XXXX saying that a lender had pulled my credit and I immediately told XXXX that I did not authorize a hard credit pull. 

I believe that XXXX purposefully made an unclear requests to 'pull up liabilities ' and 'get your credit pulled up ' to try to trick me into saying 'yes '. I believe that Wyndham Capital Mortgage may be encouraging this sort of  misleading behavior for other customers too, which is why I'm reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Every month City of XXXX give me a check to pay for my services, the check is from their account at BBVA compass Bank, today I went to change my check # XXXX amount XXXX under my name XXXX XXXX and the cashier told me that there is a fee to do it because I dont have an account in this bank, XXXX dls fee for a Non-BBVA compass account holder check cash policy, when I ask for a tax receip they give me a flyer, obviosly i ask for a tax receip and they denied to give me one, and I cancel the transaction, Is legal to them to do this, charge you a fee and dont give you a tax receip?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, I called capital one customer service to inquire about my request for an increase on my capital one credit card limit which was denied, and I was informed by the office supervisor that my request was denied because delinquency was reported concerning payment on the credit card account. According to the supervisor, the decision to decline my request for an increase was based on a delinquency report they obtained from XXXX. I have always made payment amounts promptly and these payments were even above the minimum payment required by capital one. XXXX is in violation of the fair credit report Act in this case because my records clearly show that I have not been delinquent in making payments in my account with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX in city unities {$1700.00} 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 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 2018-06-04
Company: CITIBANK, N.A.
State: VA
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:
I have a credit card with Sears. I have had it for 3 or 4 years. I was checking my credit and found that the card had been or the account had been closed 30 days ago. 
I called Sears and spoke with them. They said I closed the account, and I told them that I had not. That I bought my tires from them, my garage door opener from them and appliances from them, why would I suddenly close my account. 
It made a major hit on my credit report. I went from XXXX and XXXX to XXXX and XXXX. 
They only thing they offered to me was for me to open up a new account with them. I did that today. But the stigma and the loss of a good credit rating is laid on my door step. I need your help.

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