BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-23
Company: Rocket Mortgage, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX/XXXX/2015 spoke with Quicken loans and provided my credit card number for a deposit for an appraisal. Locked rate good until XXXX/XXXX/2015. XXXX/XXXX/2015 credit card charged {$400.00}. XXXX/XXXX/2015 Appraisal ordered. Appt set with appraiser for XXXX/XXXX/2015. Appt with appraiser cancelled by Quicken x XXXX without notification to me or explanation. Appraiser informed me that XXXX asked her the following day on both occasions to rebid the appraisal. Difficulty obtaining information from XXXX on several occasions. Requested my money back. Deposit agreement states " If your application is denied or withdrawn, for any reason, we will refund your deposit, minus the actual cost of your appraisal and credit report ''. No appraisal has been performed. I 've requested XXXX times or more that my money be refunded and XXXX has not responded to my request or refunded my deposit money. Email from XXXX of Quicken Loans dated XXXX/XXXX/2015 XXXX XXXX quoted below, but I have yet to have my money refunded. I have been contacted by XXXX XXXX via phone XXXX and have returned her calls x 2 requesting my deposit money refunded but she has refused to respond to this request simply returning my calls and wanting to " explain '' but making no response to my request for why my deposit money has not been returned. Contact information : XXXX XXXX Solution Consultant, ( XXXX ) XXXX ext. XXXX. 
I am hopeful CFPB can assist in obtaining my deposit money. After reviewing other complaints on the internet since my fiasco, I have learned that this appears to be a common strategy for Quicken Loans to refuse to refund deposit money. 


" XXXX XXXXXX/XX/XXXX at XXXX XXXX ( ET ) Hello, I apologize for the frustration. The appraiser is still awaiting assignment, and we will not close by XX/XX/XXXX. I will contact our banker to get your refund, and have the loan canceled. 


Thank you, XXXX '' Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company 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 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
BOA, bank of America has charged the monthly maintenance fee for XXXX $ for XXXX mnth, total 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 2016-02-12
Company: VW Credit
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX XXXX, I purchased and financed a vehicle through Volkswagen Credit. Shortly after, Volkswagen admitted to having deceived its customers through fraudulent emissions practices in it 's diesel vehicles. The vehicle I purchased was a XXXX XXXX XXXX, a diesel car that was impacted by Volkswagen 's fraudulent practices. I have contacted Volkswagen Credit on several occasions to request that the take the vehicle back and eliminate the loan from my credit. I have been told that if I stop paying the car loan, the car will be repossessed and will impact my credit score significantly. I have continued to pay the loan and am current, but feel that there is rampant fraud throughout this issue. I do n't believe myself or other consumers should have an obligation to continue to pay on financing for vehicles that were sold deceptively. I have made no progress working directly with Volkswagen. Seeing as the company sold and financed a fraudulent product, I am hoping that you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX residents -husband & wife ( Borrowers ) existing CitiMortgage clients. CitiMortgage ( Lender ) maintains current mortgage, originating XX/XX/XXXX. 
XX/XX/XXXX, borrowers initiate refinance effort aimed at paying off existing lender loan. Initiation with lender rep complainant will refer to her as " XXXX '' - XX/XX/XXXX : Lender : " unable to originate a new loan '' due to XXXX Assessment on property. Twelve weeks after initiation. Why twelve weeks?! 
XX/XX/XXXX - XXXX County Tax Assessors Office forwards borrower 's updated/most current Property Tax Information to CitiMortgage Tax Department. Tax statement reflects the obvious and significant increase to borrower 's property tax bill as a result of an " XXXX '' ( XXXX Assessment ) loan. 
Elevated tax bill, increases borrower 's monthly payment to lender from XXXX to {$3100.00} - These increases additionally reflected in " CitiMortgage Escrow Account Disclosure Statement '' funds of which disbursed on XX/XX/XXXX and reflected in the " Annual Escrow Analysis '' produced/forwarded to borrowers by lender XX/XX/XXXX. 
XX/XX/XXXX, - Borrowers email, PdF full color copy of their XXXX County Tax Assessor 's Statement to XXXX, text includes directing XXXX 's attention directly to line item where the XXXX Loan ( XXXX Assessment ) is listed. Increase to the tax bill-again-clearly reflected and assigned directly to property tax bill. 
XX/XX/XXXX Borrower apprised by XXXX Program Subordination Mgr, that not only has lender previously entered into refinancing with XXXX Loans appropriately and satisfactorily subordinated to second position, lender loans have been funded - fully recorded - and are part of the public record. 
Is there some type of discriminatory or other bias against these borrowers present in this failed transaction? 
It can not be articulated strongly enough, that XXXX provided not XXXX, but XXXX separate, fully binding and compliant subordination 's to Citi upon request.

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 2020-03-05
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im writing in regards to Paramount Recovery having multiple derogatory marks on my credit for the same exact charge. I would like a validation of this alleged debt. Im not even 100 % sure from whence this originated. I have not received anything in regards to how to contact them, and it is not very clear how to file a complaint and/or dispute any charges on their website. Ive read various complaints about how notorious they are for trying to collect multiple times for the same amount. I demand that this be investigated! This feels like a scam and it has caused extreme detriment to my creditworthiness, and I have been charged astronomical interest rates as a result. I need this fixed ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
These accounts are showing on my credit profile/report and they do not belong to me. I have request for these to be removed effective immediately please. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX, Balance : XXXX Closed XXXX XXXX, Balance : XXXX XXXX, Balance : XXXX XXXX  XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balances : XXXX XXXX XXXX Inquiry XX/XX/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 2021-08-24
Company: EQUIFAX, 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 checked my credit report and noticed fraudulent inquiries on my credit report.These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CRME uses deceptive practices by changing their caller ID to a local number so you think that it is someone you know. In my case a caller ID is shown for XXXX but the number left on my voice mail is not the same nor aresponsible they located in my area code so this method is very deceptive and in violation of FDCPA by spoofing the area code. On top of this my account was eligible for financial write off by original provider due to my being way below the XXXX guidelines and should not be sent to collections at all. I have sent notice by mail stating this already. Previous debts by same provider were written off for this same reason which shows I am eligible for the year debt was incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX I disputed the inaccurate items on my credit report with XXXX, XXXX, and Transunion no response. I wrote requesting an investigation on XX/XX/2022 into the inaccurate items. To this date I gave yet to receive a reply or any type of acknowledgement regarding their investigation.Today XX/XX/2022 I am fed up. The following inaccurate information motion is as follows : Student Loans from XXXX XXXX XXXX need to be removed from my credit report from all 3 bureaus due to successfully completed the rehab program. 

Please Help thank you 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 2016-11-23
Company: First Data Corporation
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Credit Card Merchant FIRST DATA, has engaged in a long-term pattern of charging me excessive and unauthorized fees that I have not agreed to, and for NOT completing a survey that I did complete. There charges have increased without botice and agreement and when we have complained, their promised adjustments and reimbursements have not been completed. Today when we complained and demanded reimbursement or cancellation of my account, they said there would be NO REIMBURSEMENT if we cancelled the account ( acct. rep " XXXX '' ). I have incurred NSF BANK FEES on account of their illigetimate debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/2021 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating back " They do not report any Bankruptcies to Anybody. '' So if that's the case .How did the Credit Bureaus verify my Bankruptcy as 100 % Accurate.They never did a Fair Investigation according to the 15 USC 168.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's charter, general reputation, personal characteristics, or mode of living is to obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a Consumer 's Credit Report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated My Rights numerous times.

The Credit Bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C.1681 Section 602 A.States I have the rights to privacy.

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 2022-07-10
Company: Bull City Financial Solutions, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company has failed to comply and stop collection on account. I have advised the Debt Collector that the account was not mind and they are trying to collect on an account that is not even my name but attached to my credit report. I have disputed this account multiple times and they have failed to even attempt to remove even when clearly the account isnt mine because it doesn't even have my name attached. I WANT THIS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
BOA charged me month fee for XXXX $ in 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 2022-03-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX I disputed the inaccurate items on my credit report with XXXX, Experian, and XXXX no response. I wrote requesting an investigation on XX/XX/2022 into the inaccurate items. To this date I gave yet to receive a reply or any type of acknowledgement regarding their investigation.Today XX/XX/2022 I am fed up. The following inaccurate information motion is as follows : Student Loans from US Dept ED need to be removed from my credit report from all 3 bureaus due to successfully completed the rehab program. 

Please Help thank you 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 explanation
Consumer complaint received 2015-10-22
Company: High Point Asset Inc
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am receiving repeated calls from a company named High Point Asset stating that I owe a debt to payday Lian companies called XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I was told on yesterday when I talked to XXXX XXXX that when you take out payday loans online and when it does not clear your bank you owe the original company as well as the lender they used. Unheard of. I have done online payday loans, but they have been paid back. I do not owe these bogus companies. I even asked for letters and they even sent me a supposedly validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: MA
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:
Hello my name is XXXX XXXX. I am filing this report for my self. I do not need any assistance to contact your company about my rights and the violations that have been committed against me by your company. I am disputing an account that is appearing as a charge off on my consumer report. XXXX XXXX XXXXXXXX is reporting the account [ account # : XXXX ] with an inaccurate date last paid. Delete this account Because Experian is reporting the date last paid as XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. Delete for violation of section 623

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 2020-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am dealing with loan servicer Heartland ECSI. Initially I was not informed by the company that the student loan moratorium was no in effect for this servicer and received a letter that my loan was over due. Not only did I not receive any prior correspondence about this but the company purposely makes it impossible to use their website or their customer service to receive any information about this until a letter sent XX/XX/2022 which I did not receive for another month. Additionally, I was not even notified by my school or the company that my loans would be sent to Heartland ECSI before the letter that my payments are overdue. I have tried to make payments over the phone and over their website multiple times with no luck besides being sent in circles through their phone system and website. It is clear from their reviews that they are overtly involved in XXXX lending as they have over 100 1 star reviews. Although I think this company 's practices are XXXX  I would at least like to be able to pay my loan so it doesn't effect my credit score but they have made even this impossible. It is clear to me that they want me to default on my loan so they can collect the money in larger amounts as they overtly make it impossible to deal with any facet of their company, I have literally been unable to connect to any customer service through their website or phone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice from Convergent Outsourcing, Inc. XXXX WA claiming XXXX , XXXX records show a balance of {$110.00} due, and seeking payment to Convergent. I checked my XXXX balance online at XXXX, and it shows XXXX due. Looking back to XXXX 2013, XXXX records show I made XXXX purchases using XXXX, and both were paid in full essentially immediately. I believe that Convergent is fraudulently seeking to have individuals make payments to it with spurious claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: EOS Holdings, Inc.
State: HI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company CALLED MY SISTER and claimed that they had that number as my personal residence. 

This is not true, had never been true, and they are in violation of federal consumer protection laws.

Company response to consumer: Closed with explanation