BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: Rocket Mortgage, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket mortgage assumed my loan as the mortgage servicer, this mortgage has been in force for approximately 5 years. The escrow disbursement for payment of property taxes has always been received by check prior to XX/XX/XXXX of the current tax year for payment. I received my XX/XX/XXXX billing statement on XX/XX/XXXX. ( statement date XX/XX/XXXX ). Under the escrow it indicated that there was XXXX disbursement, I called Rocket Mortgage service help line ( XXXX ) XXXX and spoke with XXXX. She acknowledged the expected disbursement date of XX/XX/XXXX in the account notes but did not have a reason or any further information as to why my tax escrow check had not been sent. She did state that it should be sent before the tax due date in XXXX. I explained that the escrow check needed to be received before XX/XX/XXXX. Then paid for tax purposes as had been done for all other prior years. I requested that the escrow tax check be overnighted by XXXX, She stated that she would forward the concern to the Tax and escrow department ( I was told that I could not speak directly to them as they were not customer assessable ) and they would call back within XXXX if not that same day. I was called back by XXXX XXXX. XXXX hrs later, she restated that the escrow for taxes would be sent prior to the due date in XXXX and had no further explaination but said that the tax and escrow department would now call back within 48 hours if i wanted them to, I said I needed to speak to them now as the deadline to pay my property taxes was within that 48hr window. She again stated that that department couldn't be accessed directly by the customer. I then asked if there was someone to lodge a complaint with either with the company and/or federal regulatory agency. She said no that isn't something she was aware of and knew of no other contact numbers. I stated that I would do the research myself and that how this CFPB complaint came about

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have submitted multiple disputes and FTC regarding these accounts that do not belong to me and they are still reporting on my credit report. I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect items appeared in my 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 explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I own a sporting goods retail sales shop focusing on skateboarding supplies, hardware, shoes and apparel. Additionally I hold skate camps in the summer in cooperation with XXXX XXXX XXXX in XXXX XXXX Pa. The shop has been known as XXXX since XXXX, I bought it in XXXX incorporated as XXXX, XXXX in Pennsylvania. Since XXXX, for about 3-5 camps a summer, including three this year, XXXX XXXX has reimbursed me for each camper in a check made out to XXXX. This was done about 25 times and each time Santander cashed the check. All good. Santander changed their practices, I guess noticing that the DBA name of XXXX was not in the PA legal entity name of XXXX, XXXX. It will take quite a while for me to change the legal / dba name, which I have started. No problem, understand. What I have an issue with is that instead of returning the money to XXXX XXXX XXXX, and having them re-issue a check to me made out to XXXX, XXXX, their fraud department is just holding the money. They have given me a reference code of # XXXX for the return of the money. The issue is after holding money that was not fraud, and not theirs, they say after 3 weeks that it may take another 30 days. This is unacceptable for the operations of my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account through Bank of America was hacked. Bank of America stole XXXX from my account and sent those funds too someone XXXX Bank account. The hacker used my name got into my account and initiated the transfer and Bank of america is so dumb they can't understand and hackers are fooling the bank. Under article 4a banks are responsible to get the money back into my account and they failed to do so because this is a scam or hack whatever way you want to word it. Bottom line my bank account through bank of america was hacked and I've lost XXXX from my bank account and Bank of America has refused to put the funds back in my account and refused to stop the transaction.

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 monetary relief
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: NY
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:
Equifax took off the information from the previous report with the consumer finance protection and than they put the information back on their. 

XXXX still has my name spell wrong. 

Both I would like to press statutory charges on. Each XXXX Who is XXXX XXXX XXXX I sent in a copy of my i.d . and 2 different froms of proof of address /.

Sue all 3 fro still having incorrect information =XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: CarMax, Inc.
State: AZ
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:
Purchased a car from them and set the car on Auto Pay when I purchased it. The lender took payments with no issues for 5 months. Then their system had an issue and on XX/XX/2021 their Auto Payment system did not work. The creditor reported me 30 days late which was an error on their part. I called them and I addressed this issue but they have yet to correct the reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo has stated that two of my loans have been charged off and it is showing on my credit report. One is in the amount of XXXX the other one is XXXX. I am a physician and placed these loans in a XXXX relief program. I set up payment arrangements at {$300.00} a month and they have reported that these loans are in default even though they have sold their loans to XXXX XXXX XXXX which I pay on monthly. They also sent the balances to my taxes which I had to pay {$6000.00} on. In order for a loan to go into default it has to have no payment for six months and this Was NOT the case. I have received NO phone calls or paperwork on these loans! I want them to go back and look at the notes of my wife and I calling in to make arrangements. Wells Fargo is lazy and you never get the same person on the phone twice. They make it almost impossible! I have ALOT of student loans from medical school and have NEVER defaulted on anything. I want this taken off my credit report. Wells Fargo has been in several class action lawsuits for their sketchy practices and this is NO exception! I am a physician and my credit report is taking a huge hit because of Wells Fargos shady dealings. The next step in this process is to hire an attorney.

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 2022-08-03
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX sold my card to Barclays and upon the transfer I was locked out of my card and account ( since XX/XX/2022 ). Despite working with Barclays and being assured I would not have late fees or interest accruing during the time I was unable to access the account, Barclays has continued to charge excessive interest and late fee charges, in addition to falsely reporting delinquency on my credit reports.

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 monetary relief
Consumer complaint received 2022-12-28
Company: CITIBANK, N.A.
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:
Hello, I have an inquiry on my citicard Cbna from XX/XX/22. I am unaware of why this is on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
When I went to the car dealership, they said I'll only have one hard inquiry but I ended up having many hard inquiries. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Revolut Technologies Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Issue related to a wire transfer with the company Revolut XXXX. 

XX/XX/2022 : Wire transfer of {$240000.00} made to Revolut. 
XX/XX/2022 : Revolut rejects the funds and claims to have wired them back. 
Multiple attempts were made to obtain a tracking number for the allegedly returned wire transfer and after a week of constantly reaching out to support they have been unable to provide the whereabouts of these funds. 
XX/XX/2022 The funds are still not accounted for.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have never opened that account it is fraud and i report it and they do nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXXXXXX account ending with XXXX Current Balance : {$5900.00} Available Credit : {$0.00} Minimum Payment Due : {$0.00} Due Date : XXXX Closing Date XX/XX/2022 I attempted to pay {$3400.00} towards my XXXX so that my account would close at {$2500.00} still owing and was NOT ABLE TO MAKE THIS PAYMENT. before Credit Card closes on XX/XX/2022. I am getting the attached message. I contacted PENFED customer service and they are not able to make the payment manually.

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 2022-09-30
Company: FC HoldCo LLC
State: FL
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 this creditor has violated my rights under 15 USC 601 section 602. States I have the right to Privacy. 15 USC 1681 section 604 a section 2. it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company 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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX  - {$1300.00} Open balance Unauthorized/Erroneous Account RESULT OF the XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

please provide original documents! this is not mine I have no record of ever having this 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 2022-09-30
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent a letter to convergent asking for : 1. Validation of the debt -- that is, the actual accounting. 
2. Verification of a signed Invoice 3. A copy of the Contract binding both parties ( you and them ), in a letter by '' certified mail so that there is an independent " witness to it having been delivered. '' However, according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

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 2022-08-03
Company: Experian Information Solutions 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 i sent a letter regarding inaccurate and unknow things on my credit report.to this day i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes. section 611 ( A ), it is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove these items from my credit report its pushing close to 60 days. so, they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. my information was also impacted by the XXXX data breach and may have got onto the hands of the wrong person.

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 2022-12-27
Company: LEXISNEXIS
State: OH
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 a Bankruptcy report on my credit report. I've reached out to XXXX and said that LEXISNEXIS gave them the report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
fraudulent credit line opened on XXXX, 2020 balance : XXXX $ terms : revolving payment status : charge-off account type : credit card account status : closed

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 2022-12-27
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My XXXX XXXX XXXX ( birth parent ) named me primary XXXX of a securitization trust. The mortgage company has failed in paying me her death benefit of over {$500000.00}. The original mortgage company was purchased by another bank, after my XXXX XXXX. Also, another bank was trustee of the mortgage after my XXXX XXXX  and they too did not contact me either. For over 18 years I have written both banks and the original mortgage company, numerous times telling them I am the named XXXX XXXX XXXX XXXX, and that I have not been paid out my inheritance from her death benefit. I have also sent several copies her original death certificate to each bank and mortgage company. This has been going on since XXXX until present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Capital Recovery Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a notice from Capital Recovery Systems , Inc. claiming that my past due balance for parking violation owed to XXXX XXXX XXXX has been referred to them for collection. It took me by total surprise because I have never parked any car in XXXX XXXX. It doesn't even mention the car tag, a date nor the address where the violation occurred. Moreover, I have never received any initial or following claims directly from XXXX XXXX XXXX about any violation before it was sent to collection. It is all very bizarre to say the least.

Company response to consumer: Closed with explanation