BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was contacted by my mortgage company ( Quicken Loans ) that my house insurance had expired. Quicken loans serves as the escrow account to pay my insurance which is calculated into my monthly payments. Due to refinance the account number was not updated by quicken loans and it defaulted on my insurance payment, by sending a check to them that was for the wrong mortgage. There was no communication from quicken loans for any issues that I could have corrected if I had known. Now my mortgage payment increased by {$130.00} dollars because they failed in their escrow duties. I should not be held accountable to a XXXX dollar company for a mistake that they caused. I would like to be compensated for this mistake in the form of my previous mortgage payment restored going forward ( allowing for adjustments in state taxes ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Information belongs to someone else

Complaint:
SOMEONE REQUESTED CREDIT UNDER MY NAME AND INFORMATION. THEY OPENED SEVERAL ACCOUNTS AND IVE BEEN TRYING TO FIX THIS ISSUE FOR A WHILE. I REACHED OUT TO EXPERIAN, XXXX AND XXXX TO DISPUTE THE INQUIRES, ACCOUNTS AND THE INCORRECT INFORMATION ON MY CREDIT REPORT. ALL I HAVE RECIEVED FROM THE CREDIT BUREAUS IS STALL LETTERS. 

I HAVE FILED A POLICE REPORT AND FTC REPORT BUT THE CREDIT BUREAUS HAVE FAILED ME.INEED THIS TO BE FIXED, THE XXXX ACCOUNTS LISTED ON MY FTC REPORT FROM XXXX XXXX XXXX AND THE OLDER ACCOUNT FROM XXXX XXXX THAT SOMEONE OPENED ACOUNT EDING IN XXXX. ALSO THERE ARE SEVERAL INQUIRES THAT ARE NOT MINE AS I STATED IN MY FTC REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request your help. I tried to sole this issue with Bank of America in the past but I couldnt get any help. All I am asking is fairness. This creditor must do what Is fair in my case. I was a victim of fraud back on XX/XX/XXXX and I have proof of that ( please see documents attached ). Ive been trying to fix the big issue that this terrible experience has caused. I had no late payments on either of my credit cards before this happened. 

Bank of America was not the only company that I had issues with. I was the victim of business fraud for my XXXX XXXX account as well in XXXX of XXXX. I opened a small XXXX XXXX XXXX and in the process of purchasing equipment I was victim of fraud. Even the police department was involved. I have done everything in my power to get the negative payment history removed. 

It took me about XXXX XXXX years to recover to the point of being able to pay my rent each month. In that time period, my Bank of America account became delinquent as I was not aware that this was happening. A look into my credit history shows the time frame of late payments ( a string of XXXX late payments ) and the good payments leading up to this time. As soon as I was able, I paid both cards down legally. However, my credit was tanked! 

Now, I am finding it difficult to get my score where I need it to be in order to move forward. I have already suffered more than 2 years due to this unfortunate event. I began writing my own letters and making my own phone calls. I am still getting nowhere. It actually looks like they did not even investigate the account! According to the three major credit bureaus, the account has not even marked as disputed. These are big violations under the FCRA. 

I feel stressed out with this situation. I even had to go to the doctor because I started experiencing health issues. I am demanding what its fair. Bank of America must remove the following item of my credit report and provide me a deletion letter for my records. This account is related to fraud. It is my right to dispute inaccurate information and have it removed, according to the FCRA : BOA XXXX # XXXX. Opened XX/XX/XXXX. Limit {$3000.00}. Status : Closed. Balance {$0.00}. 

This is the last step that I am taking before taking this issue to the next level. If Bank of America denies a deletion letter and the removal of the mentioned account, I will file suit and I am sure that once I talk to my attorneys, the list of violations will go up. This is causing me financial and mental issues. 

Thanks to whomever reads this complaint.

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 2022-03-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: FL
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:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
tried of this bank closing accts in good standing b, lower limit limit they did it on care credit XXXX XXXX and 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 2022-08-29
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
we have had several issues with PHH Mortgage not processing our monthly payments and then not notifying us of the payment reversal till weeks or a month later. By this time we are charged a late fee and our credit score is affected and reported against. 

We have had the issue happen both when we pay over the phone and recently on XX/XX/XXXX and XX/XX/XXXX when we paid on their online portal. 

I XXXX was told that the phone payment was returned due to our bank account number being wrong ( it was missing a " XXXX '' ) i spoke XXXX the PHH rep and he told me the routing and account # 's and they where correct XXXX for XXXX " XXXX '' was missing in the XXXX XXXX digits. He corrected the issue. I thought since it was corrected we where good. 

We then paid online XX/XX/XXXX & XXXX to cover XXXX and XXXX 's monthly amounts we owed. We have had issues since XXXX XXXX our clients not paying us on time so we got behind several times. The payments where then returned on XXXX & XXXX with no notice from XXXX till around XX/XX/XXXX. 

I called PHH again on XX/XX/XXXX to make the now XXXX days late XXXX payment and address the returned online payment. They told me the bank and routing number and of course it was missing the same " XXXX ''. I told them this was fixed a month to XXXX ago what's the deal? They said that the online account # would only be entered by me and they couldn't have messed it up. My thoughts : Why did both their XXXX payment methods have the same issue and they could fix the phone XXXX but not online??? 

My XXXX called PHH on XX/XX/XXXX to once again try to address the issue the PHH rep tells my XXXX again they couldnt have caused it and the best way to fix it is delete the current payment info and enter the correct amount so my wife does this. My XXXX  did this w/o looking to see if the account # was missing the " XXXX '' so the issue should be addressed now but we have XXXX XXXX days late notice on our credit report for XX/XX/XXXX which we paid in time but then where reported late due to PHH constant inability to process a payment, notify us about it in a timeframe before its reported as late and past their XXXX days grace period. This happened before with a phone payment but im not sure the timing to know if its the cause of the XXXX or XX/XX/XXXX late reports we have on our credit score but I would expect XXXX of them is as they have caused the XXXX one now on our XXXX round with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Lending Club Corp
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Lending Club repeatly has denied my applications for debt consolidation loans over the past 4 years, and yet they keep sending me invitations to apply, with a pre-approved amount of up to {$35000.00} or {$40000.00}. 

Despite the facts that I have an excellent repayment history and a good credit score, they continually deny my applications due to debt-to-income ratio and excessive debt.
Is n't that why they sent me the invitation in the first place, so I could consolidate those debts?!?!?!?!?!?
They know darn well what my credit score and income are.
This deceptive practice must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Eastern Accounts Systems has 4 accounts under my name. 2 of the 4 accounts has been paid off and are still on my credit report. The 2 accounts are XXXX XXXX XXXX the amount of {$100.00} was paid off. Also, XXXX XXXX XXXX the amount {$98.00} was paid off as well. The other two accounts that are stated I owe a balance are XXXX XXXX XXXX in the amount of {$98.00} and another amount of {$480.00}. I have been disputing the two accounts for the past few years. The amounts are not what I owe based on the insurance I had with a previous employer. I have mentioned this to Eastern Accounts Systems for the past few years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
around XXXX of XXXX i purchased a XXXX XXXX XXXX XXXX at XXXX  XXXX in XXXX. They had me approved with Santander Consumer USA. I didn't have great credit then and still don't today. The problem lies I didn't realize how the loan was going to work when i signed. I learned later that this was going to be i guess an interest first type loan. ( Sub-prime ) I started with the Total loan amount was {$17000.00}. There have been times i have fallen behind and struggled to pay. its only recently i begun to investigate this company and have learned that there have been a lot of practices like this from their company. As of XXXX of XXXX I have now paid of {$28000.00} and still have a balance of {$5700.00} Remaining on the loan. The car is no longer XXXX worthy and i'm having to drive a family members car right now. This loan is causing so many problems because it feels that it will never be paid off. I feel this company took advantage of me with their predatory lending practices and loan terms That i truly didn't fully understand at the time of purchase. I'm Not sure what the CFPB can do here but i do know that have been enforcement actions in other states. I am beyond frustrated that i have paid in so much and still have a debt that remains. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a call from Wells Fargos customer service line from someone impersonating a teller. I was told that someone was attempting to access my account and transfer {$8000.00}, which I didnt have. The teller told me that because the transfer was through an app called XXXX they couldnt stop it but they could help me save my money. All I needed to do was transfer the money, using XXXX, to Wells Fargo for holding. I was told that sending the entirety of my account would make it impossible for the person attempting to clean out my account to get any money and Wells Fargo would return my balance to my account in XXXX hours except it wasnt a Wells Fargo teller it was a scammer who duplicated Wells Fargos customer service number to gain my trust and completely empties my bank account. I lost all my saving that day. I immediately called Wells Fargo and reported this, they gave me a conditional credit for all the money I lost while they investigated. I just found out today that the credit I was given is being revoked as Wells Fargo determined that it was my fault I was scammed and is not at fault for someone impersonating their likeness and using a third party app to steal all my money.

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 2019-11-27
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 feel as though I have disputed the same XXXX XXXX XXXX Credit Card on my credit report multiple times but the most recent dispute I made to Experian was on XX/XX/19. This XXXX XXXX XXXX credit card rightly does not show on my other credit reports and shouldn't be on my Experian credit report because it is not mine. I don't have, and never had, a XXXX XXXX XXXX credit card or membership for that matter. I received the results from my dispute on XX/XX/19 and it says that they confirmed the information as " accurate '' but updated the information. They updated the amount owed on the credit card and the monthly minimum payment but this does not correct anything considering that the entire account should be deleted as it does not belong to me.

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 2019-11-27
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: Credit inquiries on your report that you don't recognize

Complaint:
Recently XX/XX/XXXX I put a freeze on all my credit, and I did this because I am looking at apartments, but ran into trouble with a scammer acting like a fake property renter, that was the purpose of my freeze, he had all my important info. 
Fast forward, now my apartment search is harder but I feel safer and I have the tools to make a credit check easy for the property owner. 
I thought I did. 
Today, XX/XX/2019, I receive a notice from a gentleman who I was hoping would rent his place to me. He said he forgot I told him my credit was frozen, and he ran it anyways. He also sent me my report from his viewpoint. 
My issue is. 
If there is a freeze on my account, no report should of been generated. But there was a report. I have great credit honestly, but because of the very big fat bold F letter grade, ( maybe its a fail maybe it's a frozen ) still big fat bold F, on the front page of the report that should not have been generated. 
I'm praying the owner gives me time to unlock my freeze now. What a disservice, F letter grade, is inaccurate and should not be there.

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 2022-03-03
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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to XXXX but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX  Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The fore more mentioned credit collection agency representing XXXX COLLECTIONS has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX   and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt. '' If WAYPOINT GROUP does not have any documentation, they need to retract this from my credit profile immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Paypal Holdings, Inc
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
Hello - This is a complaint about PayPal who did follow the regulations associated with properly vetting a merchant. Thus, a fraudulent bad actor is using PayPal payment services/rails to accept credit card payments for a service that is NOT real. 


Merchant Name as registered with PayPal : XXXX XXXX XXXX XXXX Merchant Name as it appeared on my receipt : Forms Online Solutions Order Number : XXXX Date : XX/XX/2022 Service : Passport renewal online Situation : My passport expired earlier this year and I went online to renew it, but did not know that XXXX XXXX XXXX XXXX ( or Forms Online Solutions ) is not associated with the XXXX Department of State. I completed the online form with XXXX XXXX XXXX XXXX, who now has ALL of my personal information, including my passport number Request for CFPB : take the appropriate actions against PayPal, and stop this fraudulent merchant XXXX XXXX XXXX XXXX from doing business NOW PayPal : XXXX is the merchant transaction ID assigned by PayPal for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I disputed XXXX / XXXX and XXXX XXXX they removed XXXX XXXXXXXX but that made my credit score go down ever more when it should have went up since the identity theft account was removed the I'm also still waiting for the XXXX  account to be removed as I think it's been over 30 days police report has been submitted to them already but they dropped my score when in fact it should be rasing after the false accounts was removed

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 2022-08-29
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:
SOMEONE REQUESTED CREDIT UNDER MY NAME AND INFORMATION. THEY OPENED SEVERAL ACCOUNTS AND IVE BEEN TRYING TO FIX THIS ISSUE FOR A WHILE. I REACHED OUT TO XXXX, TRANSUNION AND XXXX TO DISPUTE THE INQUIRES, ACCOUNTS AND THE INCORRECT INFORMATION ON MY CREDIT REPORT. ALL I HAVE RECIEVED FROM THE CREDIT BUREAUS IS STALL LETTERS. 

I HAVE FILED A POLICE REPORT AND FTC REPORT BUT THE CREDIT BUREAUS HAVE FAILED ME.INEED THIS TO BE FIXED, THE XXXX ACCOUNTS LISTED ON MY FTC REPORT FROM XXXX XXXX XXXX AND THE OLDER ACCOUNT FROM XXXX XXXX  THAT SOMEONE OPENED ACOUNT EDING IN XXXX. ALSO THERE ARE SEVERAL INQUIRES THAT ARE NOT MINE AS I STATED IN MY FTC REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief