BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Back in XXXX I was contacted by Quicken Loans about a refinance. I was pitched and FHA loan at a rate of 2.99 %. I explained to the representative XXXX XXXX that I did not want to have closing costs if I were to proceed. He explained that at the time my closing costs would be {$2500.00} but they could end up being zero, we just would know until the hard figures came out. I received a closing document that stated my closing costs would be {$5000.00}. I spoke with XXXX in XXXX about this and he told me that the numbers would change and that my costs would be about {$1500.00} prior to making XXXX 's payment. He then explained that after making XXXX 's payment that my closing costs would come down since I made that payment. Today i received a document stating my closing costs would be XXXX and my closing will be within the next 10 days. I contacted XXXX and he explained the cash to close are actually XXXX. I was extremely frustrated because my cash to close now went up by {$500.00} after making my {$1500.00} mortgage payment. He attempted to explain that the cash to close can change month to month and gave me a response that it has to due with things that happen on the back end. Quicken Loans is engaging in false and deceptive sales tactics in order to get their foot in the door to get customer 's but are not honoring what they are advertising. Quicken Loans is using an old deceptive sales tactic by making verbal agreements and promises but then changing the terms last minute. This deceptive practice works well in the sales because most customer 's will agree to move forward due to the amount of time already invested and do not want to start the process over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refied a year ago XXXX with XXXX, and soon got notice of mortgage change of where to send payments, then it was CMC/SLS, and then just SLS ( Specialized Loan Servicing ), an LLC out of XXXX, also in XXXX. My property taxes went up and my escrow increased by {$120.00} in XXXX. I was not aware of it, but got late payment letters, after the fact, the even though the XXXX payment had been made, and the XXXX payment was made on the day I spoke to them. I changed to the new amount in my auto pay, but it did not save it, so the the XXXX shortage occurred in XXXX, and here came the letter with the XXXX late fee, a week after I had already sent the XXXX the day XXXX spoke to them, I believe on the XXXX. So SLS already had the electronic payment on the XXXX. I called to question it, and removing the fee has to be approved by the cashier dept. which I will have to call back in a week to check status. 
It is constant hassle and nickel dime churning. I have never had to make so many calls to a deal with a mortgage payment. It is like dealing with some sleazy collection agency. 
I don't believe these mortgage collection entities existed prior to the housing collapse. A residence is very personal to most people, and it leaves a bad taste to have your home mortgage sold into the clutches like grist for the mill. How is this allowed?

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 2023-04-03
Company: I.C. System, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IC system has furnished a collection on my credit reports and have no right per the consumer law, They have iilegaly obtained my non public personal information to furnish an account i have no knowledge of, they need to remove this from my credit reports immediately, they have not complied with my requests over the phone to send me any type of evidence to how i owe them or XXXX, to remind you a statement of transactions is not proof of anything but an account, Also XXXX is not even a company anymore it was acquired by XXXX XX/XX/XXXX of XXXX so how are you collecting on an account for a company that does not exist? You do not have my permission to furnish anything on my credit, I never gave permisiion for you to have or share my personal information and are subject to a XXXX fine in small claims for defamtion of charachter which i will persue in the XXXX XXXX court if this is not removed from my consumer reports within the next 30 business days, thank you. 

Some laws ive researched pertaining to my case 15 USC 1681 B SEC 604 Permissable purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connectionwith proceedingsbefore a Federal jury.

2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone.

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 2022-04-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
today I realized my Macys credit card was charged A XXXX XXXX FEE which was {$18.00} when I took a look at my statements I was been charge this same fee every month. I call Macys and they told me they don't deal with it and its a 3rd party company who serves as insurance of the card I tried to explain I never sign up for it but they wouldn't hear me so I call XXXX XXXX directly. when I called I spoke to a lady and she told yes " I been part of the program since I opened the card back in XXXX  and I being paying a percentage of my balance, I tried to explain to her I never sign up for this and at the moment I opened my Macys credit card the sales person at the store helped me with the transaction, I close the membership at the time and I requested my money back because it was something I never signed up for and maybe the person who helped me open the card ( a macys employee ) did it for me ". I asked to be refunded from 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 2022-10-27
Company: EQUIFAX, INC.
State: TX
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:
Did not authorize credit inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
A week or so before XX/XX/XXXX, I received a Capital One Quicksilver offer " Because you're a valued Capital One customer .... '' The offer : " A {$2200.00} ONE-TIME CASH BONUS when you spend {$500.00} on purchases within 3 months of your account opening. '' Within days of receiving my card, I charged {$2500.00}. About 2 weeks later, I called Quicksilver to ask if the {$200.00} cash bonus would be applied to my current statement due XX/XX/XXXX. That's when the runaround began. I was told I would receive a letter via USPS in answer to my question. As of today, XX/XX/XXXX, no letter. Today I called Quicksilver. I spoke with XXXX XXXX who simply said the offer would not be granted because I already held a SPARK Business card. When I accepted the offer via phone ( and I'm told calls are recorded ) I was very clear to tell the Agent that I already had the Business card. The hard copy offer I received does say " Because you're a valued Capital One customer .... '' Later, I called to speak with a Supervisor : XXXX XXXX who is a master of runaround. I have a hard copy of the offer and, I receive a similar offer via email daily. The current offer has been updated. It takes a few pages to see how a customer could be disqualified. I believe I have been misled and should receive the {$200.00} Bonus immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am not comfortable seeing all of these unauthorized inquiries on my credit report. I didn't do any of these. What happened is that recently I received a copy of my credit report and I was surprise of how many inquiries that is on my file. I immediately sent a letter to the respective agencies XX/XX/2022 but up until today ( XX/XX/2022 ) I haven't receive any response from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.

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 2023-11-30
Company: LEXISNEXIS
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Nationwide Credit & Collection, Inc.
State: IL
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX and I have no acknowledge as to why or how these student loans are on my report let allow reporting as collections.I am reaching out again seeking the deletion of these items from my report i am a victim of identity theft and I did not make these accounts. i ask that these accounts be removed and my privacy to stop being violated. as a human I know things happen but i am here to inform you that my privacy is my right and I have been taken advantage of. As a human being I am protected under 15 USC 1681 ( a ) you are in violation of my right to privacy. the following is infringed upon my rights and misleading by all reporting different dates and lenders.

XXXX  Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX Account Name : US DEPT ED Account Number :  XXXX Account was opened:XXXX Account Balance:XXXX Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX equifax Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$23000.00} transunion Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My father is deceased and I have called multiple times to cancel the credit card. The estate department does not answer the phone or return messages or e-mails.

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 2023-04-03
Company: CITIBANK, N.A.
State: CA
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:
Dear Citibank, I am writing to dispute and seek the discharge of my credit card debt with your institution. As I have been researching my legal options in regards to my debt, I have come across a legislative act th

at may provide me with the means to discharge my debt entirely. The act is known as HJR 192.

HJR 192 is a joint resolution that was passed by the U.S. Congress on XX/XX/XXXX. This resolution was put in place as a response to the economic turmoil of the Great Depression and sought to address issues of debt and inflation. The resolution was intended to provide a way for individuals to discharge their debts without using traditional forms of currency, such as gold or silver. 
Under HJR 192, all obligations, including debts, were to be discharged by the government. This meant that individuals were no longer required to pay their debts with traditional forms of currency. Instead, the government would provide a way for debts to be discharged using a new form of currency known as " United States notes. '' Although HJR 192 was ultimately repealed in XXXX, its provisions remain relevant to this day. Many people have successfully used HJR 192 to discharge their debts, including credit card debt. By doing so, they were able to free themselves from the burden of debt and start anew.

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 2022-10-14
Company: EQUIFAX, INC.
State: WI
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. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions or crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 don't remember the dates as its been a while since I first brought this process credit reporting companies ( Transunion ) manipulating my credit score based upon arbitrary and capricious determinations.

Instead, they are basing the score on the number of credit cards I use ( 3 ) rather than my excellent payment record and credit with the credit card companies.

I brought this to their attention previously and as I stated it's been some time ago. 
But recently, XXXX when I received my billing online from the credit card company the also a service provide a FICO score. 
This is where the problem occurs. In or around XX/XX/XXXX and prior to that date ( I've had this service for quiet sometime. 
At the highest score in or about XX/XX/XXXX the FICO score was, XXXX. I then dropped XXXX points for no obvious reason. I obtained a COPY OF MY CREDIT REPORT AND REVIEWED IT AND THERE ARE NO ADVERSE SITUATIONS SUCH AS, PAYING LATE, EXCEEDING MY CREDIT LIMIT, CARDS BEING CLOSED DUE TO DELINQUENCIES, OUTSTANDING DEBT, BANKRUPTCY, ETC. 
THE ONLY 'REASONING ' TRANSUNION GAVE IS THAT I USE XXXX DIFFERENT CREDIT CARDS TO MAKE PURCHASES. NOT, THAT I HAVE AN EXCELLENT CREDIT REPORT, PAY TIMELY, HAVE NO ADVERSE REPORTS FROM CREDITORS, DISCHARGES OF DEBT, LATE FEES AND INTEREST, ETC. 
For a period between XX/XX/XXXX thru XX/XX/XXXX my credit score has went from a high of XXXX to a low of XXXX. This is when Transunion uses an arbitrary and capricious determinations to recalculate your credit score. 
I'm thinking realistically it should have increased to the maximum credit score,XXXX  I pay timely, even before the due dates in most cases. Even when having the account set up with what is referred to as, Autopay ( a directly withdraw from my financial institution monthly. Thanks, for your checking into this obvious intentional manipulation of my credit 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