BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2022 FORMAL COMPLAINT TO WHOM IT MAY CONCERN : My name is XXXX XXXX I am writing to you on behalf of my husband ( XXXX ) and myself. 
From the beginning, we made sure our loan processor received all documents for refinance, he was very professional and helpful in getting us approved for this XXXXLoan . We complied with all documents requested in a timely matter. We already had an appraisal and pay the fees up-front, our credit scores were good and income was verified and good to go. 
NEXT step it went to the Underwriters for all documentation to be review and it was successfully uploaded. NOW all of the sudden I get a call on XX/XX/XXXX I was speaking with XXXX from ROCKET MORTGAGE in Michigan to advise me that our loan was close, with no specific reason as to why? I asked to speak with a supervisor and I was transferred to a Senior Lead Research Team Dept- her name is ( XXXX ) she said to me that they are closing our file and they would not be able to move forward with our loan when I ask for specific reason as to why?? Her reply to me was they DO-NOT- FEELCOMFORTABLE WITH IT . She was very rude with me. This explanations is very vague is not acceptable. 
I feel that we were discriminated with this as my husband is a XXXX veteran and this ROCKET-MORTGAGE did us wrong. 
This is just to advise other consumers or veterans to watch out in doing business with this company, there are nothing but crooks who gets you for your money and at the end denied us with no specific reason other than they felt uncomfortable moving forward and close our file, their communication to this loan still not clear for denying process of this loan. 
Please think again if you are considering mortgage they are the worst UNDERWRITING-DEPT to deal with to try to get a loan XXXX XXXX XXXX 
Sincerely, XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I was scammed I wired transferred XXXX from Chase to XXXX XXXX. I thought is was on the up and up since this was an bank to bank. But ii was not. I contacted Chase and fell like the town XXXX. I know I was scammed. I have kept the scammer on the line by stringing him along. He claims to be connected to a XXXX  organization but likes talking with me. I am screaming from roof top for help but no one wants to help just make an example of me. Chase 's system XXXX 's very complicated and no communication, they claim I am not replying by I am logging in 10 times a day to see what they need, I called and customer services said they need more info. I logged in and they do not have things anything, They claim there its a virtual person but there is not. I know once the funds are taken out are this people realize I am attempting something the you know what is going to hit the fan and then I don't know where my safety is but I just don't want this to happen to others, but no one cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I paid Ed Financial the full amount of my loan on XX/XX/2023. I received confirmation as well as a receipt which I have tried to provide them. They do not answer my calls or emails. It is now impacting my credit in a negative way.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: TN
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:
By the provisions of the Fair Credit Reporting Act, I am sending request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ive been constantly harrassed by XXXX XXXX for a bill i have no recollection about. i have tried to contact them to fix the solution to get off my record and no agreement can be made. i produced my affidavid and forms and they refuse to acknoledge it.its been months and its still affecting me. its the collecting agency named covergent amount of bill are XXXX for XXXX bill and XXXX for a XXXX bill oppened fradulantly

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 2022-04-02
Company: EQUIFAX, INC.
State: IL
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, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, and 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 2023-04-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I went in person to XXXX XXXX XXXX XXXX and turned in my written notice to vacate in 60 days to leasing agent XXXX XXXX who accepted my written notice. The notice is uploded and XXXX XXXX even added to the explaination in his own handwriting " moving to XXXX ''. I was instructed on XX/XX/2021 by XXXX XXXX to leave they keys to the apartment in the drop box at the office as no one would be there to collect them on a holiday weekend. I vacated on XX/XX/2021 and I have a video of the apartment the day I moved out. In the fall of XXXX sent me a letter from their attorney stating i owed a few XXXX dollars for vacating without notice. I promptly called the attorney, I believe her name was XXXX XXXX and explained i had the proper documentation and the conversation i had with XXXX XXXX. She told me the company made a mistake and this matter would be taken care of. XXXXXXXX XXXX  has now wrongfully put me in collections AGAIN stating I did not provide proper notice to vacate 2 years later! I have attempted to contact them 3 separate times and the receptionist told me every time that no one was available to speak with me. She assured me someone will call back and no one has ever contacted me. XXXX XXXX has kept improper records resulting in possible damage to my credit. I have also included a dated screenshot from XXXX XXXX website from XX/XX/2021 with my apartment listed for rent in XXXX the XXXX of XXXX proving XXXX had notice I was leaving.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am working with XXXX XXXX and they need my experian score to be at least XXXX to get a loan. I have done everything right. Paid off cards, car etc and my score goes up but each time it isnt enough to get to XXXX XXXX XXXX  has pulled my credit several times in the last 30 Days and they told me that they can pull for 45 days without it effecting score. I called experian today and they said that is not true. Every time a hard inquiry is pulled it lowers score. They told me my score was over the XXXX but because of the inquiries it keeps going down. I need these inquiries to be removed to raise my score

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 2022-04-02
Company: AES/PHEAA
State: AR
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:
In XX/XX/2022, I was told that my loan qualified for TEPSLF. If I could send in the employee certification, I could have my loans wiped out. Now I am told that I actually have four loans (? ) and will only get part of them wiped out. The others will, so they now say, be ineligible for PSLF or TEPSLF because I am not a teacher currently and still owe money on these two.

I held on the phone for one hour and forty minutes today to talk to these people. Anyone with a life does not have that kind of time to spend on hold. They know they have us and don't have to be polite. After I'd held for an hour, The recording said I had four minutes to talk to an agent, and then, someone picked up and put me right back on hold! Then I just held some more. This is just soul crushing! 


I have been given conflicting information every time I call these people, and I am full of despair after being told that they would be wiped out only to now be told they won't. I only teach four classes online now, and I that is not full time, per my employer, so I am going to be paying the Income-based repayment until the wonderfully final day that I die, which at least I can say will be a place and time that Fedloans can not come hound me.

My payments to XXXX XXXX were not showing up for years, and now for some reason they are. I am just tired of being jerked around by these people. I've made XXXX payments, but they somehow do not count, and I'm just ready to give up. I've never defaulted or missed a payment since I started paying back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
good afternoon and hoping everything is going well during this pandemic. Listen, I'm not sure why this collection account continues to report on my credit where I was told that it was going to be removed. It continues to report inaccurate information, unverifiable data. Why is it still here? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On   XXXX   XXXX   XXXX  ,  XXXX  Validation of Debt letters were sent to  Commonwealth Finance (  Amounts : {$1600.00}, {$150.00}, {$150.00} ) for a medical bill that I did not recognize from the  XXXX ,  XXXX  and  XXXX  of  XXXX . I requested validation after speaking to them on   XXXX   XXXX   at  XXXX  pm for  XXXX  minutes,  XXXX  seconds. During this call I requested validation of this debt due to not knowing anything about this debt. I simply requested a bill, itemized list or an invoice so I could verify if this debt belonged to me. I was told over the phone that they did not have any of that information, only a file from   XXXX   XXXX   XXXX  . This entire call was recorded by them and myself and notification was given that the call was being recorded by both parties. I asked for that file and they refused to acknowledge that it will be sent. They placed my account in dispute status and re-reported the  3  debts to the credit bureaus. I also filed a dispute with I sent a " Failure To Validate '' letter on   XXXX   XXXX   XXXX   due to  Commonwealth Financial  failure to send me previously requested validations of these debts. Another Validation of Debt letter was sent on    XXXX   XXXX   XXXX    regarding the other  two  amounts. During this entire time,  Commonwealth Financial  has still refused to send me any validation of these debts and according to  XXXX , is still claiming that these debts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After XXXX years of homeownership with this company, you can have your home appraised again and apply to have PMI removed. I went through this process and they sent out a guy and he appraised my home 5 % over the two year period ( {$310000.00} to {$330000.00} ). Yet, if I go on their website and evaluate my home using their tool it comes in at {$430000.00}. While, I think that is a bit high, it's certainly not uncommon either in this market that exists. 

Upon rejection of my first request they told me to find evaluations and submit them. Iwent to the XXXX XXXX Auditor site and did my best to try and find comparables. They of course came back and rejected all my evaluations and they would not remove PMI. 

Last, I asked if I could hire my own independent licensed appraiser and pay for an independent appraisal of my house and they said No once again. I strongly believe the person they sent to my house was obviously working in their favor, I get it. Here is one of many example that occur in this marketplace. A home XXXX doors down from me recently sold. It had no updates, except a fence in the back yard, which by the way I added as well and twice the size in that 5 % evaluation above. The house sold XX/XX/XXXX for {$230000.00} which was {$17000.00} above asking price. On XX/XX/XXXX the same house with no additional updates sold for {$290000.00}. A 24 % increase in XXXX  years on a XXXX XXXX XXXX XXXX My house is a XXXX XXXX Bath updated house with a full finished basement in a culdesac and bigger lot. Yet, somehow my house is the only one in America that has not appreciated with the rest of them. I would guarantee a listing of my house at {$390000.00} would have multiple offers and no problem with a real appraiser evaluating it. In addition, I would bet if I wanted to refinance my house with a cash out offer, PennyMac would use that {$430000.00} evaluation on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX To whom this may Concern : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT, as a consumer I am demanding that these accounts listed be REMOVED IMMEDIATELY!

Failure to do so, will result in me taking legal action where I will be seeking monetary damages in the amount of {$1000.00} for each violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: AMERICAN EXPRESS COMPANY
State: NY
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting 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:
In XX/XX/2024, I financed a truck through XXXX XXXX XXXX XXXXXXXX XXXX XXXX. They ran 2 instead of 1 inquiry.

Company response to consumer: In progress
Consumer complaint received 2017-05-11
Company: KEYCORP
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I went into Key bank on  XXXX  and  XXXX   XXXX  in  XXXX  ohio  XXXX   XXXX    XXXX   and asked  XXXX   XXXX  about personal loans and lines of credits. I told her I had a  XXXX   credit score  and she told me that did not matter, made me fill out an application then called and denied me for not having a  XXXX   credit score . This was deceptive becuase I would have never had a credit pull if she told me a  XXXX  was required. Now my score is even worse due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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:
I have sent out Multiple Letters to remove Fraudulent inquiries off of my credit report I have sent letters to both the creditors and Credit Buerros and these inquiries are fraudulent I then next contacted Transunion and XXXX  which I was violated my right under the FCRA by not helping me out denying me to even be transformed telling me that they can't do anything else wouldn't transfer me over to a manager or fraud department I was working with people that couldn't help me then I got transferred and my account was locked or Transunion but the funny thing is that I was just talking to the dispute department and she got angry when I asked to transferred and locked my account then when I asked to speak to a manager he was able to view it. Then He told me that they will send a letter even though I have sent multiple letters and I did it in a 30-day time frame so and they never answered me so now they must be taken off but still haven't taken them off. XXXX I have had multiple fraudulent inquiries and when I call them they have said almost the same thing but they had an update to their system so they couldn't update help which also violated me under the FCRA and I have been locked of my account for months and every time I call they can't seem to fix and say someone will call but no one has ever called so now it is time for them to take these inquiries off for never helping me get them off and they are fraudulent I have written multiple letters to them no reply. I have filed police reports and done everything they have asked me. XXXX  has also never given me a report of my file and has violated that act in the FCRA. Both of them have not let me dispute inaccurate info. XXXX  has also not given me a security freeze.

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 2017-05-10
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had my Loans end up in collections. I had made an arrangement with the collections agency and satisfied that arrangement. It was then transferred to Fedloan Servicing. I made an arrangement with Fedloan servicing to pay back  XXXX  $ per month ( the minimum I qualified for, ) and I agreed to pay an additional  XXXX  $ for a total of  XXXX  $ per month.   This was fine for abo ut 2-3 m onths, then in   XX/XX/XXXX , I  got a notice that they increased my statement amount from  XXXX  $ to  XXXX  $ per month and told me I would have to do an application for income based repayment. So I get the info to fill out, and I ca n't access it, Also, the statement they sent me, says total repayment per month is  XXXX  $ but it also shows that they want my current payment is  XXXX  Plus the extra  XXXX  $ =  XXXX   .  I am worried about sending any additional monies to this company that ca n't even provide accurate billing and also does n't adhere to arrangements that the company itself made. Not sure what to do here. I ca n't afford to pay  XXXX  $ per month and still keep afloat.

Company response to consumer: Closed with explanation