BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following accounts listed on both my Equifax and XXXX credit reports are in violation of my rights. 
XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor ) XXXX XXXX XXXXXXXX The following inquiries are also a violation XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX this one has a ludicrous amount of dates ) XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX via XXXX ( too many dates to be anything but fraud ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX There are a number of other inquiries on my credit reports and I kindly ask that they all be removed as the majority of them are fraudulent and in violation of the following laws... 
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 Upon completion of this I would like to have an updated credit report mailed to the address on file. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have a mortgage with Quicken Loans and I am having an issue with them. I live in a townhouse XXXX and a portion on the monthly payments to the HOA is to pay a master policy that covers the units. I have lived there for 15 years and have refinanced the property XXXX times. I have always been told by previous lender and even a member of Quicken Loans implied that the master policy provided by the HOA is sufficient to meet the insurance requirements by the mortgage. I have always have an additional policy which I pay for, it is not part of the escrow payment, to provide personal liability coverage as well as coverage for my personal property, my property which I own is not being financed by Quicken Loans. On XXXX XXXX, 2015 I had a water leak in my kitchen that caused damage to the kitchen cabinets. I called XXXX XXXX, the company that I pay for my personal protection and an adjuster was sent and the claim was approved. On XXXX XXXX, 2015 a check was sent out to me. When I received the check I went to deposit it, I was not able to do so because Quicken Loan was also a payee. I called quicken loan I was told to sign the check over to them and that a check would be issued to me within 72 hours from the time they receive it. I paid {$27.00} to have the check sent overnight. They received the check XXXX XXXX and I tried to contact them on the telephone several times to get an estimated date for the return check and the calls were not answered until I sent an email days later asking for a return call. The check was not returned to me until XXXX XXXX. Now my bank, XXXX XXXX XXXX is putting a hold on the check that is payable by XXXX XXXX XXXX until XXXX XXXX because they say that XXXX can not guaranteed that the check will be honored. What does that mean to me? Here we are almost 1 1/2 months later and I have not been able to fix the kitchen. I pay the mortgage, I pay the HOA dues that cover insurance on the building, I pay for my personal protection and Quicken Loans has created the chain of events that are completely unnecessary. The check has " For Payment of Restricted Escrow '' .... What does that mean? I am not required to have that policy, I pay for it out of my pocket, it does not go through escrow, my mortgage payments are up to date. What right does Quicken Loan have over those funds to put a restriction on the check. 
Quicken Loan sent my insurance a condo unit owner 's insurance request they say I authorize them. I have issues with the signing of the agreement. It was not for my policy it was for the HOA policy and that is what I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: BB&T CORPORATION
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
BB & T charged the bank account for my XXXX for a " service charges prior period ''. When I called to inquire they said a manager would need to call me back. I called back a couple hours later and was then put on hold until the manager could talk with me. A manager is the only person that could reverse the charge. 

They had no good explanation other than the account was put into the wrong account type when they converted from XXXX to BB & T and they were going to charge the XXXX a fee for being in a business account. 

When I told them this smelled like XXXX, they very quickly indicated that they would refund the fee within 24 hours and move the account to a not for profit account type which had no fee. I told them that I appreciate that, but I knew that the bank had 100s of XXXX accounts not to mention other not-for-profit organizations. He agreed and I told him charging this fee was totally inappropriate. The XXXX received no communication about this change and I suspect many other accounts have this fee charged to them. I believe the CFPB should look into BB & Ts business practices, this is no different than what XXXX did.

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 2022-07-21
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXXI ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Bankruptcy XXXX Date Filed : XX/XX/2019 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2016-05-24
Company: BB&T CORPORATION
State: WV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
ON FRIDAY XXXX XXXX, XXXX XXXX DEBITED MY CHECKING ACCOUNT IN THE AMOUNT OF XXXX. I IMMEDIATELY TRIED TO FILE A FRAUD CLAIM BUT WAS TOLD THAT I COULD N'T BECAUSE IT WAS STILL PENDING. IT TOOK 5 DAYS FOR THE DEBIT TO POST TO MY ACCOUNT. I IMMEDIATELY FILE A FRAUD CLAIM, ON XXXX/XXXX/XXXX I VISIT THE XXXX LOCATION WITH QUESTIONS REGARDING MY PENDING DIRECT DEPOSIT. I WANTED ACCESS TO MY DIRECT DEPOSIT. i SPOKE TO XXXX XXXX. SHE CALLS THE FRAUD DEPARTMENT AND WAS TOLD THAT IT COULD TAKE SEVERAL MORE DAYS FOR IT TO BE RESOLVED. AFTER SEVERAL MORE CALLS SHE SAID THAT THE BEST WAY TO GO WOULD BE TO BLOCK MY DIRECT DEPOSIT FROM MY CHECKING ACCOUNT AND TRY TO DIVERT IT TO MY SAVINGS ACCOUNT. I TOLD HER TO GO AHEAD AND BLOCK IT. SHE SAID I WOULD HAVE ACCESS TO IT FRIDAY AFTERNOON. ON FRIDAY AFTERNOON I CHECKED MY ACCOUNT AND STILL NOTHING SO I MADE ANOTHER TRIP TO THE XXXX LOCATION AND AFTER SHE MADE SEVERAL MORE CALLS SHE INFORMED ME THAT IT WOULD BE TUESDAY BEFORE I WOULD BE ABLE TO HAVE ACCESS TO MY FUNDS. YESTERDAY XXXX/XXXX/XXXX I LOG INTO MY ONLINE ACCOUNT AND MY DIRECT DEPOSIT HAD BEEN POSTED TO MY CHECKING ACCOUNT AND NOT TO MY SAVINGS ACCOUNT WHICH I WAS ASSURED WOULD NOT HAPPEN. I CALL THE XXXX BRANCH ( XXXX 'S DESK ) AND SHE IS OUT OF THE OFFICE. I TRY TO CALL THE MAIN NUMBER BUT CAN NOT GET AN ANSWER SO I CALL THE XXXX BRANCH. I SPOKE WITH XXXX ( I DID NOT GET HIS LAST NAME ). AFTER BEING PLACED ON HOLD FOR AWHILE, XXXX INFORMED ME THAT I NEEDED TO SEND A COPY OF THE RECEIPT WHERE I HAD RETURNED THE MERCHANDISE TO XXXX. HE GAVE ME THE FAX NUMBER AND I WENT DIRECTLY TO MY SONS PLACE OF BUSINESS AND FAXED A COPY OF THE RECEIPT TWO TIMES. I WAS TOLD THAT WITH THE RECEIPT THAT I SHOULD SEE MY FUNDS AVAILABLE BY TODAY. 
WHEN I CHECKED MY MAIL YESTERDAY EVENING, THERE WAS A LETTER FROM BB & T STATING THAT MY CLAIM WAS DENIED. IT WAS DATED XXXX/XXXX/XXXX WHICH WAS THE DAY XXXX FIRST WENT INTO THE XXXX LOCATION. IF THE FRAUD DEPARTMENT HAD ALREADY DENIED MY CLAIM WHY WAS N'T I MADE AWARE OF THIS ON THAT DAY. WHAT BOTHERS ME MOST ABOUT THIS IS THAT I WAS AT THE BANK XXXX XXXX & XXXX AND WAS NOT TOLD I NEEDED TO FAX ANYTHING OR THAT THE CLAIM HAD BEEN DENIED. 
I CHECK MY ACCOUNT THIS MORNING AND NOTHING HAS CHANGED SO I CALL THE FRAUD DEPARTMENT WHERE I WAS TOLD THAT THEY HAD NEVER RECEIVED MY FAX.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my authorization. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Bankruptcy XXXX Date Filed : XX/XX/2019 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2015-10-18
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Paid off my mortgage on XXXX XXXX 2015. Contacted customer service weeks ago inquiring about the PAID IN FULL LETTER and was told it was sent out weeks ago. Continued to call customer service a week ago and this time was told THERE IS NO INDICATION IN MY ACCOUNT RECORDS THAT THE LETTER WAS EVER SENT OUT. Called again this past Wednesday and this time was told by the supervisor that she would email it to me, but first she asked me WHY DO I NEED IT. All we want is the PAID IN FULL LETTER AND instructions on how do we obtain the DEED to the house. Have asked customer service about this but they are unwilling to answer my questions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
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: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$3500.00}

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 2022-07-21
Company: Experian Information Solutions Inc.
State: SC
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or eliminate the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : 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 2015-08-10
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX 2014 I XXXX and went to XXXX XXXX XXXX where I had been admitted to emergency room. 
They took XXXX, and told me that I had to go and see a doctor who would be able to read them and figure out a treatment plan for me. 
I received XXXX bills:1 - from an emergency room doctor2 - for the emergency room chargesEverything had been taken care of. 
I picked up a CD with XXXX XXXX and visited a physician outside of the hospital. He viewed the XXXX and gave me instructions on what to do next. 
XXXX months later I receive a bill from the XXXX technician of the XXXX XXXX XXXX claiming that he read the XXXX for me. 
I have not even seen him, and I have never seen his readings. If I had, I would not have to see another doctor. 
When I tried to explain it to the hospital`s accounting representative, she won`t listen. 
They had Fresno Credit Bureau collect the debt for them. 
Their reps were calling me every day telling me to pay the debt. Finally, I gave up, as it is very frustrating and stressful to deal with them. 
I went to the website and paid the amount they claimed as my debt - {$83.00}. 
The payment went through, but then got rejected. I contacted them, and they told me that the amount went up, and it is around {$150.00} now. 
I really hope you can help me with this issue, I`m trying to rebuild my credit, and I do not need another debt in my credit history. 
I appreciate your time. 
Regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: MO
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2017-10-24
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
10.24.2017 I called dovenmuehle mortgage to resolve payment by due date. They misapplied my last payment. Did n't send me a statement for XXXX due date. And now they want to charge me a fee for giving them a payment over the phone to rectify their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$880.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX Balance : {$970.00}

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 2021-12-13
Company: CORELOGIC INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credco obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from XXXX. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
Credco obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. 
Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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