BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - the truth and lending act, and some account collection reported as an Open Account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: NV
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 credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally Bank will not allow me to access my online banking and they have de-activated my debit card. They are holding my money XXXX while they investigate a " fraud complaint '' that they initiated. I called customer service on XX/XX/2021 because I could not access my account online, and my debit card was not working, even though there was not a freeze on the card. The fraud division at Ally refused to give me information on my account ( the balance of the account and recent transactions ) and would not allow me to move the money in my personal checking account at Ally to my personal checking account at XXXX ( which I just opened ) so that I could access my money to pay my rent on XXXX. I had direct deposit set up through my employer, so essentially Ally Bank is holding my money without giving me any information. I was told was that when the investigation was over, Ally Bank would close my account and mail me a check for the remainder of my balance, if there was a remainder. I should be allowed access to my banking account, and be able to see my entire transaction history, and be fully aware of what Ally is doing and why. Ally Bank should not be allowed to deny me access to my money, in my personal checking 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 2020-04-02
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My ex-husband- XXXX XXXX-divorced over a year ago. The mortgage ( # XXXX-through Quicken Loans ) was solely in his name. I got an Assumption and was able to put the mortgage solely in my name approximately 6 months ago. The mortgage has been put in my name. XXXX also signed a Quit-Claim Deed for this property ( XXXX XXXX XXXX, XXXX XXXX, Ga. XXXX ). I filed it at the XXXX County Tax Assessors office. The title is in my name. Quicken Loans has refused to give me online access. The highest level officer I have spoken with, XXXX XXXX, told me the reason I can not have online access to my mortgage is because it was acquired through assumption and since the way the original loan was obtained ( through my ex-huband 's information ), his information is still online in that file. I asked them if they could put his information in a separate folder. He said no. If I wanted to know anything about my mortgage, I had to call or email. I could not have an online account like other customers. When it was time to file my taxes, I could not obtain the information I needed. I had to wait on hold for a representative and ask them to please mail me the information. I went online with a Quicken Loan representative and asked her if a customer of Quicken Loans obtains a mortgage through assumption, do they get online access like other customers. She said yes, they do. I downloaded this conversation and emailed it to XXXX XXXX. His response was that he will forward this information to a leader for review. A leader called me this morning ( XXXX? ). She apologized for the miscommunication and she said the person who told me I could have online access was dealt with. She then told me they are not working on giving me online access to my mortgage. Recently, my mortgage payment changed because of lack of escrow. I got a letter in the mail. I called to change my payment and I was on hold for more than an hour. This and other situations could have been avoided if I had online access like other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
ON XX/XX/2021 I applied for a wells fargo credit card. I am no longer interested in the card due to lengthy customer service process and want to rescind my application. I am not being allow too. They are asking for in person verification and will not send me a full list in writing or email of the applicable documents nor a safe method to provide those documents during a pandemic.

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 2021-08-31
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like for the CMRE. XXXX to show proof of verification that I owe them {$1800.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now.

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Experian Information Solutions Inc.
State: SC
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:
To whom i t may c oncern, I submitted an online dispute with Experian concerning inaccurate information on my credit report on my  XXXX   XXXX   XXXX  account for late payment. They originally responded back stating the information was verified. I called Experian stating I have receipts and for them to update the incorrect information and they requested I upload the documentation. After I upload the documentation, they replied back stating they reviewed the documentation can not use to make changes. I plan to purchase a home this year and having this inaccurate information on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2020-04-02
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: Account status incorrect

Complaint:
Ive made an attempt to update information on my account and several accounts were included in bankruptcy. Now, it appears that the accounts are showing as new collections and in dispute. Ive not initiated any disputes, please update with current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Roundpoint Mortgage has not handled the modification process in a timely manner. They take a very long time to review the information provided. Then they will request the information again as the previous documentation becomes outdated. Single point of contact will not return calls or get in touch with client in a timely manner. It took the XXXX XXXX about three months to be able to speak with him and multiple phone calls. Roundpoint keeps delaying the process and has not been actively trying to help out the borrower.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors, XXXX & XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.

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 2022-04-14
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Yes, I was going into fortclosure in XXXX. The mortgage company was giving me a second chance threw loss midagation. The company they put me with is XXXX XXXX XXXX XXXXI spoke with XXXX XXXX at first then I was on a personal level with XXXX XXXXI was to make XXXX payments of {$950.00} at first as well as sending multiple paper work. This was the beging of the covic. XXXX XXXX sent me a email saying that the mortgage company was going to get back with me to let me know when I was going to start my regular payments of {$600.00}. It had been months I never heard from anyone no phone call, no emails, as well as no mail .I called XXXX XXXX and she stated that they had sold my house .I didn't understand why the mortgage company did that when I was going threw the people freedom solutions company as well as me paying {$2800.00} where did that money go and I'm so confused about that hole situation.I have been here in my house for 6 years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I help the homeless people with any information they need or make copies of paper work they need food or clothing, help setting up a bank account, what ever there needs are this is also a non profit organization. I recently got a paper on my fence it was from the XXXX XXXX saying they demand possession of property. I did give the courts a answer but my paper work said motions to appear by telephone. So I called the courts that morning and they gave me a phone number as well as a extension I was on hold for, XXXX minutes. I called the courts back and they said I didn't show up so they gave them my property.I am doing an appeal And taking this to district court .I also received a paper that was a writ to leave my house so I m appealing that as well .I 'm also going to file an appeal for the sale date of my house due to the mortgage company saling my house from under me with out me having any knowledge.This had been so upsetting, stressful and I'm having a real hard time mentally to handle all of this I hope you folks can help me out with this situation.I have up grated my house I added a swimming pool as well as a hot tub XXXX trees, black molch it's looking beautiful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I always kept my account in perfect standing, always making payments on time & had just paid my account off. I kept expecting that they would give me a credit increase. But I applied for an upgrade to a Visa card through this chain before XXXX & was turned down. That was my first shock. Then a few weeks ago I went into the store to make a purchase & it declined. I called immediately from my car & they told me they had closed my account. I was totally shocked & in tears. Then about a week later I got a letter in the mail from them about it! They told me my account was in excellent standing. I have had XXXX XXXX this past year & a few things fell through the cracks that my husband was paying. He had also applied for some refinancing on our car & the hard checks brought my credit down. All no fault of my own. I think this is totally unfair that they closed my account when it was in excellent standing. And it wasnt like I had a huge credit limit. Only {$300.00}! I had been working on building my credit back up prior to getting XXXX XXXX. I had done really well getting my scores up. I had gotten up to almost 700. My account should not have been closed! How can anyone ever build their credit if banks treat people this way?! It should be illegal. Thank you for your assistance!!

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 2019-03-01
Company: FIRST NATIONAL BANK OF OMAHA
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:
OnXX/XX/2019 I had my First National Bank of Omaha bill in hand ( due XX/XX/19 ) and logged in to my account to get a current balance to pay off my account. The balance online was slightly higher than my statement balance, and I paid that balance in full. 8 days later I received a statement from First National Bank of Omaha stating I had a balance of {$110.00}. I called and asked what this amount was, and was told it was interest. I told the Rep I paid my " current balance '' as of the day I paid it off, so I asked the interest to be waived. The rep I spoke to told me First National Bank of Omaha bills interest 2 months behind, and that what was on my bill was legitimate and owed. I asked why and how they billed in that manner, she said they " just did. '' She offered to reverse any late fees I'd ever accrued, to which I replied, " I've NEVER been late! My account is in excellent standing! '' To which she replied " Then I can't help you. '' Every other credit card I have ever paid off has had the current balance available online, or has reversed any interest that hit after payoff. 
I paid the amount shown online as my total balance due. If I paid that balance, represented as " current '' ( which was higher than my statement ), there shouldn't be any high dollar surprise 8 days later. I feel First National Bank of Omaha has found a way to rip off customers by doing this " late '' billing of interest.

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 2015-09-06
Company: Google Compare Credit Cards Inc.
State: GA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
Google Wallet suspended my account for fraud. There was absolutely XXXX fraud. They made me go thru a verification process which I provided everything from a picture of the debit card I used to fund my account, bank statement, ID and transaction history. After taking me through it for a few days they decided they are closing my account still but wont let me withdraw my money. Wont tell me how my money will be refunded. The card i have on file wont be valid after XXXX XXXX so if they decide to send the money to me that way it will not work. They sag i can get my money back in 30 days. I feel they are trying not to give me my money at all i found this article online where others have went thru the same thing. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is not a duplicate complaint. This is a new complaint. 
The complaint consist of two parts : 1 ) After my previous complaint they accepted my payment of {$10000.00} that was received on XX/XX/2021. The day before the payment is due they reversed the payment. That's already the second payment that they have not accepted. The first one was done through the XXXX  XXXX XXXX and they said that I sent it to the wrong address which is not true as the address was the same as all previous payments. They are obviously sabotaging my payments so that they can add late feed and other illegal fees that they are adding to the account ( see section 2 of the complaint ).

2 ) They sent me an amended payoff statement. They include bogus charges. That is clearly unfair, deceptive, and abusive policy. For every pay off they charge a Recording fee of {$180.00}, Late charges of {$130.00} even though their account is not overdue. They also add a Payoff statement fee of {$30.00}. These are basically mandatory fees that were added after my account was sold to Freedom Mortgage. Basically, everyone is charged this fee and it's automatically added to my mortgage once the loan is sold to them. They say that they are allowed to add fees to service the account, but this is not a service. They just add these fees to steal money from customers. 


I hope the Bureau will take action against this predatory company and stop this unlawful practice that violates the law and allows this company to steal possibly hundreds of thousands of dollars from the customs of the freedom mortgage.

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 2016-10-03
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
RPM had sent me a letter to dispute my dish network account dated XXXX/XXXX/16, after submitting my dispute letter to RPM regarding my XXXX account on XXXX/XXXX/16 which I admit I had sent to the incorrect address, the reason for that was due to the fact that RPM does not clearly indicate where exactly to send the dispute letter, ( copy attached ), I have also provided a copy of the dispute letter that I had sent to RPM on XXXX/XXXX/16. After reviewing my credit report ( copy attached ) clearing showing that RPM had reported a collection on XXXX, which was not 30 days after I received the notice to dispute the validity of the debit, I received the dispute letter on XXXX/XXXX/2016, and sent the dispute letter on XXXX/XXXX/16. RPM had reported my XXXX account as unpaid before the required 30 day time frame for me to dispute the dept. Thank you for your time.

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