BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A VA IRRRL mortgage refinance was being written by Quicken/Rocket Mortgage. I was charged a Good Faith fee of {$500.00}. An appraisal was also done- I later found out was not necessary both ) for this loan. I have excellent credit and have been on time on payments. My home is in a growing area. I am a XXXX XXXX Veteran and have been a victim of a Predatory Loan. No Contract was signed- no closing. Was told {$500.00} will be returned MINUS appraisal and other fees. This all occurred in the last 30 days. XXXX XXXX XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately. 
The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
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: Account status incorrect

Complaint:
Mortgage lien opened via refinance in XX/XX/XXXX. I had a chapter XXXX discharged in XX/XX/XXXX that had been open since XXXX. XXXX XXXX had been reporting it as current and open. Speaking with their servicing they said as soon as they received word of the discharge they would begin reporting to the bureaus. On XX/XX/XXXX I sent them a copy of my report as I was purchasing an investment property. I mentioned that although reporting the account as current there was no monthly activity being reported nor was the current balance being updated. I received a letter from XXXX XXXX indicated they had erred and would correct the mistake. In XXXX they reported the loan as closed and subject to a bankruptcy and refuse to correct the error. They sent me a nasty email saying it was not their obligation and the debt was not re-affirmed. Chapter XXXX bankruptcy does not require any re-affirmation of debt only a chapter XXXX does as was also conveyed by the previous servicing manager I had spoken to. The account is open and in good standing and has never been late and I would like such to be reflected on my credit.

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 2022-08-19
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$8100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: IL
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 sent my information to XXXX Equifax and XXXX twice because two accounts have not been reporting. XXXX Credit Card and XXXX XXXX should be reporting to all three credit bureaus. The first time I contacted all three bureaus was XX/XX/2020 and the Second time was XX/XX/2020. I have contacted all bureaus by phone and mail to resolve this reporting issue and nothing has changed. I have not gotten any feedback from any of the bureaus regarding this matter. I sent in my ID and utility bill to verify my identity now I am escalating this matter the best way I know how.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There is a hard inquiry on my report by a merchant and/or bank I did not approve. Its name is XXXX XXXX. I did not do business with them, engage them or give them permission to make an inquiry. TransUnion will not remove the error. They said I must report it to you and then send your report to them. 

Can you please remove the XXXX XXXX inquiry? 
Note my address on file is XXXX XXXX XXXX XXXX, XXXX in XXXX, IL XXXX, but I'm in TN XXXX XXXX, 2022. 

Thanks! 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The American Express Serve claim to offer cash back, & after redemption the system takes back more money than they offered! On XX/XX/18 the system offered {$2.00} cash back and the account already had fund in the available balance. Then on XX/XX/18, the account went up and down consistently for 72 hours! Going from a {$3.00} balance to a - {$2.00}. After being negative it went back to a positive {$.00}, and the back to negative! The balance was changing without fees, transactions and no pending transactions either! Called in to address system mistakes, and the supervisor " XXXX XXXX '' expressed he seen the discrepancies. This is after I provided all of the dates, times, & amounts in regards so it was basically me holding his hand throughout. While sitting in the phone for a two hour hold, XXXX expressed he was getting help from another supervisor and wanted to place me on hold again! The last hold was longer because he was clearly at a loss, & hung up the phone because I don't have another 2 hours to spear. Just called back " again '' and the escalating team refused to file complaints, and did admitted to this system issue. They refused to give me a timeline for a resolution and this is the customer service they are charging me for. The so called " escalation '' CSR refused to give names, use Id 's and neglect to acknowledge this has been a on going issue after pointing out other occurrences. Just a we're so sorry, over and over! Never cussed or yelled at anyone, because I work in a call center as well. Once most agents noticed the discrepancies, they hung up in my face so this totaled about 10+ calls. This ordeal took a full day and they still neglected to address/resolve the issue. Since these call centers are located over sea ; they have no regulations. American Express is based within the U.S and should held to our guidelines no matter where the call center is based. The neglect has been ongoing and it is time to hold them accountable ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
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: Investigation took more than 30 days

Complaint:
I am so stressed that Experian is reporting false information. Investigation took more than 30 days and they are breaking the law by failing to respond to my dispute.

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 2020-10-01
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
MCM # : XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. 
Original Account # : XXXX I filed for bankruptcy on XX/XX/2020 and listed Midland Credit on my bankruptcy petition. Midland Credit deleted the trade lines from my credit reporting file after my bankruptcy was filed. However ; the following month they re-reported this information to XXXX  showing it as an open collection item although they were clearly listed in my bankruptcy petition. They have indicated in my CFPB resolution that they stopped reporting the account to the 3 credit reporting agencies which is obviously not true based on the attached documentation showing them listed as a collection item on my XXXX  credit bureau report. It seems as though there executive offices have issues understanding my complaint. I did not indicate I want the trade lines deleted but more so if they cant report them accurately to show them as included in my bankruptcy that they should delete the reporting as that they have indicated in there resolution contradicts what actually occurred on my consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 2022-03-22
Company: Experian Information Solutions Inc.
State: NJ
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, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I sent a letter to Experian disputing 3 accounts as fraud on ( XX/XX/2022 ) via the online CFPB consumer complaint portal. I received notice via thia same CFPB portal that Experian received the dispute letter on ( XX/XX/2022 ). It is now ( XX/XX/2022 ) and I have not received a response from Experian. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), Experian have 30 days to investigate disputes. If Experian can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report. Experian must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

There is no trilateral contract in place between me, discover, and Experian that states that I have authorized Experian to furnish this information on behalf of XXXX. XXXX has yet to provide well after 30 days an original instrument of indebtness and neither has Experian after multiple investigations and reinvestigations of the disputed debt. This is FRAUD!

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 2020-10-01
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I'm writing in regards to my car loan with First Hawaiian Bank ( FHB ). I paid off the full amount of my car loan yesterday afternoon and the money was taken out of my checking account today. When I logged onto the FHB app, the loan was still active and not paid off. 


I then called FHB customer service and was informed that it would take 3-5 business days to post on my FHB account and at that time, I would still be charged a daily interestrate. This is an unacceptable practice and it is outright stealing. I paid off my loan, and I shouldn't have to pay a penny more because FHB takes nearly a week to post a transaction. We are nearly a quarter of the way into the 21st century, there is no excuse why electronic payments are slower than sending a check by the USPS. 


The customer service representative informed me that she spoke to a loan officer and assured me that I, specifically, would not be charged more interest for my loan since I paid it off. 


If thousands of people are experiencing what I experienced today, and they do not fight for their money, this institution will make an exorbitant amount of money from those who have paid off their loan in full. It is unacceptable, and immoral. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my reports, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PMI should automatically cancel when loan is under XXXX % loan to value. According to the original value and Ditech 's own calculations ( see attached ) my PMI should have terminated already. When you add the {$5000.00} HAMP incentive they are a year overdue in crediting I should be reimbursed for almost a years worth of PMI since I would have hit the XXXX % mark 12 months ago. I have another CFPB complaint in regarding the failure to credit my HAMP. In addition the company never responded to CFPB complaint XXXX in any meaningful way. On XXXX XXXX 2016 they closed it saying they would resolve it in 60 to 90 days which never happened. In addition, they negatively reported me to the credit bureaus in XXXX which is also a violation of Dodd Frank since they have an unanswered RESPA inquiry they have failed to address for over a year. How can you be late when the balance and payment information they send to you is incorrect? There are countless violations of Dodd Frank. I am tired of waiting for a reasonable response. My next step is consumer attorney. I have not even gotten into the illegal application of fees they transferred from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: MD
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 Equifax Employer : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
CMRE Financial Services, XXXX has attempted to collect a nonexistent debt from XXXX XXXX XXXX XXXX that resulted from XXXX XXXX XXXX XXXX 's failure to correct a billing error with XXXX XXXX. Furthermore, the Notice from CMRE states that CMRE will assume the debt valid unless I contact CMRE in writing within 30 days, in violation of the FDCPA.

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 2020-10-01
Company: Consumer Portfolio Services, 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:
I recently went to obtain copies of my credit report and noticed some unauthorized inquiries reflecting on all three of my credit reports. Not sure how they happened but I didn't authorize any of these inquires to run my credit. Now my credit score has been affected and lowered because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have called Capital One several times since XX/XX/XXXX. I have experienced hardships over the past few years. First, my mom passed away. Then, my dad lost our family home. I also was forced to move abruptly at the beginning of the pandemic, and that caused my monthly expenses to rise significantly. I reached out to Capital One initially to reduce my interest rate because I knew I was going to have a difficult time making the payments. I was told back then that nothing could be done to help me. Later, on XX/XX/XXXX, I called in to inquire about reducing my monthly payments and getting on a plan to pay off the money that I owe. I spoke with four different representatives and all of the calls disconnected or were dropped. I also spoke with two other credit card companies on that same day was able to get on a 5-year payment plan, and I have been doing well. However, Capital One refuses to lower my interest rate or lower my monthly payments. On XX/XX/XXXX, I again called Capital One. I spoke with XXXX and XXXX who said they were collection representatives. XXXX serves as the collections manager. She went through the questions and said the system would not provide any plans to reduce my monthly payments or interest rates. XXXX stated that she did not know the criteria the system used to determine my eligibility with the programs they offer other bank customers. I want to reiterate that two other credit card companies have worked with me in the last few months, and Capital One is not working with me.

Company response to consumer: Closed with explanation