BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-13
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My current lender Quicken Loans is consistently calling me or emailing me with " money saving '' opportunities. In the beginning of XX/XX/XXXX a rep named XXXX called me and we briefly discussed these " potential '' savings. At no time was a verbal authorization given to run a credit inquiry for me. XXXX stated he was going to talk to his team leader to see what options we would have for me being that I am such a " great '' customer. I was then alerted that my credit report was ran for a hard hit. I then emailed XXXX stating that I did not authorize this inquiry. XXXX then apologized for doing so and I asked to speak to a manger. The manager named XXXX ( last name unknown ) stated that he listens to the calls and stated there was " permissible '' authority granted which was not the case. Quicken loans misleads their clients stating that they can save you money only to find out they can not and " you are in the best position right now ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While checking my credit report, I notice an account from XXXXXXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: NC
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 # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: EQUIFAX, INC.
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 resulted from identity theft

Complaint:
As Class Members of the XXXX XXXX XXXX XXXX XXXX XXXX, my wife XXXX XXXX XXXX and I do not owe any of the debts on our credit report save our first mortgage lien, XXXX auto loan and Federal student loans. Furthermore, I have an attached XXXXPD ID Theft Report ( # XXXX ) which further absolves me of any debts assumed to be accrued by with me with the exception of the ones listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: FISERV INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TRS sent me notifications about companies I owed. I filed bankruptcy and sent my discharge to TRS. They refused to remove the debt I had with XXXX, XXXX, XXXX, XXXX. 
I then mailed in money orders to TRS to cover Returned checks and fees. I called TRS to inquire why none of these items had been removed. I was transferred to the legal department and was told by their attorney, that they dont have to remove my debt. Even though I filed bankruptcy and paid others. She the attorney said according to Georgia law, they can keep the debt on my record for ( 7 ) years. And there was nothing I could do about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CORELOGIC INC
State: IN
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:
A credit provider ran my credit for a home loan without my consent.

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 2017-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX accounts listed which do not belong to me which are XXXX # XXXX and XXXX XXXX I 'm requesting these be removed ASAP

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 2017-08-30
Company: MIDFIRST BANK
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
hello, i spoken to treasury yesterday and from what i was told midland mortgage received the morgagtor payment for incentive in final year of {$5000.00}. as of today midland mortgage ( the agency ) has yet to debit it to my account. I also was informed, the payment was sent bcos i met my standard guideline and stayed in home until my anniversary date of XX/XX/XXXX. i will now wait until XX/XX/XXXX to receive my monies. if i do n't see the debit coming in and credit going out of my account, i will be forced to seek legal action. as by law and right, that incentive of {$5000.00}, belongs to me the mortgager. 
i will also seek damages for stress and interest as well as my attorney fees to be paid. 
i have all documentation regarding this matter documented with midland mortgage as well as XXXX XXXX and XXXX XXXX from midland as well as treasury dept. 
i will now just wait 8 more days from today to pursue this course. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The following addresses have been disputed online and verbally. I have told them that these addresses are incorrect : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXXXXXX I have been disputing with the bureaus and data furnisher for over 6 months with no response on this inaccurate account on my report. BY LAW They have 60 days to respond. FCRA violation. 

I do not think this company is real and every letter I send to them certified gets returned. How are they validating with you???? Please delete this account from my credit report. 

I have attached proof that every letter I sent has been returned. 
The address I retrieved for the data furnisher I got from my credit report and the " companies '' website and both letters have been returned. 

SEE ATTACHMENTS

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 2022-03-03
Company: CITIBANK, N.A.
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX I submitted a CFPB Complaint ( Case # XXXX, response letter attached ) to have an account closed after multiple Citi representatives were unable to close the account. In the response letter from the CFPB this was acknowledged with the quote, " It should not have been necessary for you to contact us on more than one occasion for assistance with closing your account. ". 

In the response letter it also said " Pursuant to your request, we have processed the closure of your savings account ending in XXXX. Please note, there are no fees associated with closing your account. You will also receive a final statement, which will confirm the account is closed. Any accrued interest will be forwarded to you via mail at the address listed above. ". This is incorrect. I was given accrued interest in the account on XX/XX/XXXX and then received a Monthly Service Fee on XX/XX/XXXX. It makes sense why Citi is still receiving consent orders from the OCC as clearly they still are incapable of implementing internal controls even when their Executive Response Unit clearly outlines the course of action as a result of the Complaint which can not be adhered to.

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 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, I am filing this complaint against Trans Union credit bureau. They are reporting inaccurate information on my credit report. I have previoulsy disputed the information on my credit report and have n't received a resolution to the matter. There are several accounts reporting that do not belong to me as well as all inquiries I have reviewed on my report. I have filed a police report in regards to this matter. I am requesting that all hard inquiries be removed immediately as well as the 5 accounts in collections that do not belong to me as mentioned before! They were also inquiries that were removed and added back to my report with giving me 5 day notice which is required by the FCRA. This is a violation of this statute. I will continue to pursue all actions accordingly until this matter is resolved. I have provided a copy of my identification to speed up the process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: CA
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please resolve this account completely from my Credit Reports : XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: PulteGroup, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Name is XXXX XXXX XXXX I Have put concert XXXX XXXX XXXX XXXX Texas XXXX XXXX as a XXXX suggest XXXX with pule Moorage company. if i used them call prefacer lander and going to give me credit toward closing cost {$8000.00}. when i audit the closing cost their math does not Mach. I asked them to reaved pulet moorage decalin my loan. I sure this is against fair mortgage practice this company is fraud. Because of cooler and atonicity my race This company didn't approved me loan. I have a XXXX-year-old son sold my house this company west my time. they did not give me deflate answer at the end of contact almost expire just 13 day 's closing told me i am not able to get finance. This is heart breaking been here 26 years paid tax and I have decent credit I don't know what to do at this time. this is the option left to complain against like this crock company I do have all. The emails and document.

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 2022-08-26
Company: Experian Information Solutions Inc.
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:
Disputed XXXX XXXX XXXX with experian this accounts aint mine. I have asked for proof of ownership none can be provided. Also have asked for signed credit application with my signature on it none can be provided.

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 2017-08-30
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:
Credit reporting agencies of XXXX, Experian and XXXX  are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.

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 2017-04-20
Company: 360 MORTGAGE GROUP LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I just checked my credit reports as of  XXXX   XXXX   17 and only  partial information was fixed. The request for the removal of 30 days late was not take off. Transunion had fixed their information around  XXXX   XXXX   17 and  my score and account were fixed. However, it has since been reverted back to 30 days late for some reason even though all the information shows it was n't late.  XXXX  updated their information on  XXXX    XXXX    17 ex cept still showing as 30 days late.   I am requesting 360 resubmit the request for the 30 days late be removed and the current status to reflect CURRENT or PAID AS AGREED. Never late.     I request this be done immediately as a future loan is pending this correction and is causing serious headaches for me. I have wrote t he President of 360 again t o make him aware of this and to see if this will be fixed quicker as well. I understand   360 will have 15 days, however, i need to have this done in the next 7 days as my future loan and home depend on this. I am also requesting 360 refund the {$39.00} I paid to check this correction via   XXXX   since the corrections were not completed correctly.     This references previous CFPB submission Case number :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Monarch Recovery Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have on several attempts made contact with XXXX XXXX XXXX about an account ending in XXXX and asked to remove this inaccuracy from my consumer file .... XXXX XXXX, Customer Service Department informed me that this account had been sold with out my permission to a collection company on XX/XX/2018 i received this notice ... I have not approved of this account and it has not been verified or validated, but to learn that this card whom which i did not obtain has been sold to a collection agency i am asking for immediate removal as i have no contract with XXXX XXXX XXXX nor do i have a contract XXXX XXXX XXXX this is violating my rights under the FCRA..My personal information is once again in the hands of someone whom i have not authorized to be ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My issue is that my credit card account was frozen, and then closed. My checking line of credit account is frozen. My checking account was frozen ( It is current unfrozen, but the lack of response from the company leaves me little faith in them going forward ) I received no notice as to why this has occurred. I have sent in the documents I was asked to send in upon my calling their XXXX and speaking to a front line Customer service representative. I have never been able to speak with or communicate with in any way the " person '' who is supposedly asking for these documents. Time line and events will be attached. ( too many characters. )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To Whom It May Concern We have been going through a modification process for over six months with Flagstar Bank, without a final decision. We are reaching out requesting assistance in the process. We do not know who else to discuss this matter with and have resorted to the Consumer Financial Protection Bureau for assistance. We are currently working with a Home Loan Advocate ( HLA ). Email address : XXXX. Phone number : XXXX XXXX XXXX XXXX. The team leader is XXXX XXXX. Email address : XXXX. Phone number : XXXX XXXX XXXX XXXX Please assist us in getting this process resolved. Thanking you in advance for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions Inc.
State: OH
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:
I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.

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 2017-08-30
Company: PNC Bank N.A.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I lost my debit card last month earlier in the month beginning of this month to this retaliatory XXXX XXXX denial of loans fake Prejudice as PNC Bank and they 're trying to charge me {$110.00} for items I do n't have never received, s supplicating me with any name matching doc, trabsactions slips wherefore where that information transactions or matching the credit card in my name has it appears on my bankthe debt card this has n't been implemented or done for me.this been going on since XXXX XXXX XXXX with soliciting me for money and I never got any of my funds as far back as a year ago I do n't owe XXXX XXXX XXXX any money I have Department of Human Rights complaints pending against PNC Bank for hateful discriminatory crimes and actions they have taken against me at one of their facilities on XXXX and XXXX I was a cruel situation and all they did was made sure that the guy that was involved the branch manager they make sure his XXXX XXXX disappeared right away soon as when I filed the charge vs the bank nonstop harassing calls instead of answering too cfpb, is the Retaliatory norm '' it 's like XXXX XXXX allowing me to open a name up n fraud as a idtheftvicyim, and then sold me at XXXX XXXX a while with two defective heavy battery 's that do n't work..plus upon arriving at XXXX  yesterday the code was not verified to my cell phone as it should had been thnks to a freeze '' on my credit this comp breached and bypassed, a requirement by law, n receipts say pdunn, n thee, computer at XXXX XXXX XXXX XXXX XXXX just dished out a number card, accnt, without security, similar to PNC Bank dish out funds no security then say like " oh u owe overdraft '' no.sorry PNC Bank debt collectors no license I owe u zilch

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been having issues with opening several banks not having the ability to open an account after my bank sent a letter XX/XX/2022 stating my account would be closed on XX/XX/2022 however the account was closed XX/XX/2022. The bank lady where I tried to open the account states the XXXX XXXX for consumers had negative things and my risk factor to ope an account was over XXXX. When I spoke to fifth 3rd rep. He state my account was using XXXX too much however they didnt report. I also found out I am part of XXXX  data breach. My complaint is now I am unable to get certain credit and I want my identity back. There is something on XXXX XXXX stopping my credit.

Company response to consumer: Closed with explanation