BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: Rocket Mortgage, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/20 I applied for a mortgage to refinance my home. On XX/XX/20 I received a loan estimate for a loan amount of {$270000.00}. at 2.375 %, 2.553 % APR. 30 yr. term with .766 % origination fee and {$3500.00}. for broker compensation. 
This was to close on or before XX/XX/20. That didn't happen because someone told the appraiser the the appraisal was due on XX/XX/20. On XX/XX/20 I received another loan estimate that stated the same as the above estimate, with the insignificant exception of 2.555 % APR. On XX/XX/20 I received the closing disclosure that had changed to 2.891 % origination fee and {$2800.00}. broker compensation, with an APR of 2.702 %. At first I was told that this was because the rate had expired. I protested and the loan officer agreed that this was not my fault and that it would be taken care of. He talked to the lender again and I was then told that it was because I was getting cash back. Nothing had changed on my part from the estimate on XX/XX/20. The loan officer talked to his supervisor and they agreed, and stated again that this would be taken care of. 
It is now 4 weeks past the original closing date and my loan officer says he is still waiting to hear back from the lender. 
The lender I refer to is : Quicken Loans XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX and the XX/XX/XXXX. is : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX The loan officer is XXXX XXXX and his supervisor is XXXX XXXX XXXX It's my belief that the loan officer and supervisor are doing what they can, but Quicken doesn't seem to be communicating in a timely or honest matter. I've been working on this for two and a half months now and have paid for an appraisal. I don't want to start this process over again with someone else. I would like to get this closed with the loans terms that were agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
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: Account information incorrect

Complaint:
I PURCHASED A MOTORCYCLE TIRE AND FINANCED IT THROUH XXXX IN EARLY 2021. I HAVE MY CHECKING ACCOUNT NUMBER AND IT WAS DEBITED MONTHLY. LATER ON I GOT EMAILS SAYING MY ACCOUNT WAS PAID LATE, WAS IN DEFAULT, ETC. XXXX  SUBSEQUENTLY NOTIFIED EXPERIAN THAT MY ACCOUNT WAS IN DEFAULT AND MY CREDIT TOOK A BIG DIVE. 

IF PAYMENTS WERE MISSED OR WERE LATE XXXX IS TO BLAME. THESE PAYMENTS WERE TO BE AUTOMATICALLY PROCESSED AND DEBITED FROM MY ACCOUNT. EXPERIAN HAS BEEN NOTIFIED OF THIS ISSUE BUT HAS NOT RESPONDED TO ME. XXXX TURNED ACCOUNT OVER TO A COLLECTION AGENCY. I CALLED THEM AND NOTIFIED THEM OF THE PROBLEM AND THEY AGREED TO STOP COLLECTIONS. BUT IT IS STILL ON MY CREDIT REPORT AND I WANT IT GONE -- AND AN APOOLOGY

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 2022-02-02
Company: MECHANICS BANK
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I obtained a car loan with Mechanics Bank in XXXX of XXXX. In XXXX of XXXX, I refinanced with XXXX  XXXX whom paid off Mechanics Bank in full and the account with Mechanics Bank was closed. Mechanics bank also released the lien and transferred title to XXXX XXXX. XXXX  XXXX obtained the payoff amount of {$22000.00} through their automated system which was good until XX/XX/XXXX. This payoff amount/good thru date is also on the XXXX statement I received from mechanics bank. The payoff was received by mechanics bank and processed on XX/XX/XXXX, XXXX payment for {$20000.00} and another on XX/XX/XXXX for {$2200.00} which totals {$22000.00}. As of XX/XX/XXXX it was reported to the credit bureau that the account was paid off and closed. On XX/XX/XXXX I checked my credit report and seen Mechanics Bank reported that the account was open again and there was a {$2600.00} balance. I called Mechanics and spoke with XXXX on XX/XX/XXXX. He said that the payoff made in XX/XX/XXXX was short by {$2600.00}. I asked how it could be short so much, especially when we have proof of the payoff amount they gave us. Not only that, if it was short, why am I finding out about this 5 months later. He said on XX/XX/XXXX there was a payment of {$2500.00} made to my account in error by Mechanics Bank themselves. They didnt realize this error until XXXX of XXXX. Now they have fraudently re-opened this account after already closing it and marking it as paid in full. Aside from this, they released the lien on my XXXX  XXXX and transferred title to XXXX  XXXX. This HUGE error is not my fault nor should I be responsible for it. No one notified me of this error either. They just re-opened the account and reported this balance to the credit bureau. XXXX  XXXX isnt able to absorb this {$2600.00} balance as that would require me to re-finance my loan with them which XXXX XXXX does NOT offer. Now Im expected to make two separate car payments. One to mechanics bank at a 9 % interest rate for {$450.00} until this {$2600.00} balance is paid off. Another with XXXX  XXXX at a 5 % interest rate for {$370.00} a month. This is not something I can do nor should I be liable for their mistake. This {$2600.00} wouldve been paid if it was included in the payoff amount we obtained, which it was not. Due to their mistake of applying this {$2500.00} payment to my account, they gave the wrong payoff amount and should be fully liable for this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: MD
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 am demanding an internal investigation of the following credit reporting companies : XXXX, XXXX XXXX and Experian. I have found that these companies aren't governing themselves according to the Fair Credit Report Act. I've disputed on numerous occasions the inaccurate reporting of my consumer reports regarding the late payment history. According to the FCRA Section 603, 15 U.S. Code 1681A titled definition : Rule of Construction ; defines paragraph 2 exclusions - except as provided in paragraph ( 3 ), term " consumer report '' does not include '' ; ( A ) subject to section 1681s-3, of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Therefore, the following accounts which are within my credit report ; the payment history must be REMOVED ; based on these EXCLUSIONS of the rules. These accounts are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX Experian XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX Experian As stated , these companies are not abiding to the " Rule of Construction/Exclusions per the FCRA.

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 2021-11-24
Company: Genesis FS Card Services, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
There has been statements which have not matched my records and statements which have not been in accordance with the disclosures that GENESIS FS CARD SERVICES that I have received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b. 


The billing statement I received by GENESIS FS CARD SERVICES on XX/XX/2020 is a billing error. To clarify and addressed such subject matter contained in this billing statement I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in XXXX XXXX XXXX. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account. Also, I am putting all of the past from the date the account was open, present, and future billing statements in dispute also until I get provided the documentary I am requesting to clarify and address the matter. 



15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done GENESIS FS CARD SERVICES can not report late payments in accordance with regulations of the XXXX12 CFR 1026.13 ( d ) ( 3 ). If GENESIS FS CARD SERVICES reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b. I am disputing billing error on past billing, from the time the account was open, present, and future until you provide me with the documentary evidence I requested in this statement and therefore it is a violation for all the late payments you posted onto my reports so I need this updated immediately. 

GENESIS FS CARD SERVICES as the creditor may not collect any disputed amount, I the consumer does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by GENESIS FS CARD SERVICES will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for GENESIS FS CARD SERVICES for the actual damage caused to me as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error. 

with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S.Code 1666 ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumer report from XXXX, XXXX and Experian. I noticed this inaccurate account posted on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( a ) ( 1 ) ( A ), DELETE this INACCURATE ACCOUNT listed below before the end of the 30 day period after receiving this notice of dispute. 

XXXX XXXXXXXX XXXX XXXX XXXX  Acct # : XXXX These companies is in clear violation of the law! 15 USC 1681e Compliance procedures And 15 USC 1681b Permissible Purpose of consumer reports 15 USC 1681e ( b ) Compliance procedures, THE LAW CLEARLY STATES : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. 

I NEVER gave these companies written instructions to furnish this account on my consumer report!

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 2023-03-09
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX  XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX Collection Account XXXX XXXX  XXXX Late Payment Account XXXX XXXX Collection Account I strongly believe that these items are incorrect and have been reported unfairly. I have carefully reviewed my credit reports and have found errors and inconsistencies in the information provided. 

I would like to bring to your attention that under the Fair Credit Reporting Act, credit reporting agencies must provide accurate and complete information to consumers. Inaccurate and incomplete information can have a negative impact on my credit score and my ability to obtain credit and loans in the future. 

Regarding the late payment accounts, I would like to explain that I have experienced financial hardships and have been unable to make payments on time. However, I have since made efforts to catch up on missed payments and have been making regular payments. 

As for the charge off accounts, I was not aware that these accounts had been charged off and was not given an opportunity to make payments and settle the debts. I would like to request that these accounts be removed from my credit report, as I believe they were reported without proper notification. 

I kindly request that you investigate these items and take appropriate action to correct any errors or inaccuracies in my credit report. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: VeriCore, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I keep getting harassing phone calls from a collection company called Vericore they call my employer and my work cell and it could jeopardize my employment because of the language and them telling my employer About the debt and threatening to sue or garnish my wages. I have asked them numerous times not to call my employer or my work cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
On XX/XX/2021 I was able to access XX/XX/XXXX, and XX/XX/XXXXcredit companies for my credit report. But Transunion said I did not answer the proper security questions and denied me my report. This is not the first time Transunion has denied me access to my credit information. Also when I log in to there website I gain access and it states I do not have a active credit freeze, but my report does. I call to talk to an agent and they confirm I have a credit freeze, then they try to sell me there protection services. I firmly believe Transunion is intentionally making it harder for consumers to access their credit report intentionally so you have to call in and they can pitch their sales products. The issue I mentioned with the credit freeze has been going on for more than an year, and still exist. If there is a true issue with security questions a consumer should be able to talk to a person and have the right to have security questions checked so there is no further delay to access to ones credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
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:
I have disputed this account with XXXX, TransUnion and XXXX  and the account remains. 

XXXX is using fraudulent documents to verify accounts to these agencies and despite the account being paid in full XXXX nor the original creditor has EVER sent me anything in writing to validate the debt. 

XXXX has verified that the original creditor did NOT provide them with the correct information to contact me and that the original creditor only provided their own address. Even though the Original Creditor had my forwarding address and XXXX received my correct address with my previous complaint to the CFPB ( XXXX & XXXX ). 

The documents that XXXX supplied to the complaints above have a fraudulent lease, dated in XX/XX/XXXX with an electronic signature of my name, note the date in the attached document. I did not sign a lease in XX/XX/XXXX, I signed a leased generated in XX/XX/XXXX. The original documentation is not and has not been provided to XXXX nor is it available to the bureaus to verify this debt as it has NOT been produced so far. 

This debt was also paid in full and this fraudulent reporting method has caused me to lose credit opportunities and be denied.

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 2021-01-12
Company: Synovus Bank
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I, properly initiated a payment to my XXXX XXXX XXXX  credit card ; Through XXXX  XXXX XXXX Bill Pay with a confirmation # that says it was supposed to go to XXXX XXXX XXXX credit card payment. 
XXXX XXXX XXXX improperly and without your authorization sent those funds to an account at the XXXX XXXX XXXX XXXX. The XXXX XXXX  XXXX XXXX improperly deposited the money to a random account that was not even on the check or a payee name on the check. The account number on the check was our credit card number not even a legitimate account for the bank. The XXXX XXXXXXXX XXXX XXXX is owned by XXXX XXXX. Affidavit paperwork was filled out sent to XXXX XXXX and received by XXXX XXXX via certified USPS mail on XX/XX/XXXX at XXXX. 
In recent calls to XXXX XXXX, they state they can not help me because I do not have an account with their bank. Even though funds were transferred into an account of theirs. 
Our {$6100.00} needs to be returned. 
Synovu 's Bank XXXX was the check deposit info on the back of the check Check # XXXX Deposit # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint is with Newrez my existing Mortgage Company. Because I was approved for modification in XXXX. I started looking into refinancing in XX/XX/XXXX. I was approved by XXXX XXXX XXXX at a interest rate of 2.75 %. Before the process was complete in early XXXX I was contacted by XXXX XXXX of Newrez. Who said he would match that offer and the closing cost would be 60 % less because I was an existing client. I filled out all the e-documents and provided all necessary information. The Conditional Approval I received had a interest rate of 3.375 % XXXX XXXX told me it would be adjusted at closing. I have not heard from him since XX/XX/XXXX. There was a hard stop placed on my application and no one at Newrez could tell me why. I spoke with XXXX XXXX. Who is my Loan Processor at Newrez. Who told me he didn't know what happened but the hard stop would be removed by in early XXXX. So that it could go to the Underwriting but after 4 more weeks it still have not gone to closing. It has been almost 3 months and nothing has been done. Today I received a new e-documents that says my interest rate is 3.488 %. It has gone from 2.75 % to 3.488 % since I began working with Newrez and no one is currently spoken with me personally about this. After dozens of calls. It is well past the 30 days I was told it would take or the 60 days it would normally take. I past on a deal I had in place to take this offer from Newrez but they've been doing their best to fulfill their part. They have been totally negligent and fulfilling their part of the deal and keeping me informed. I wish this have been completed already I'm going into my 90th day of this process. Which is why I think my interest has increased because it's been over 60 days and they're not making me a new offer with a higher rate. I put the blame on XXXX because he initiated this but has not been transparent with information that I need to know during this process I reached out to him several times but now he's saying that I was on a Do Not Call list even though I have called him dozens of times and left messages which you did not respond to any of them. Please do what you can to help me resolve this issue I am now beyond the point where I can do things on my own. Thank you very much. XXXX XXXX

Company response to consumer: Closed with explanation