BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-28
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been paying my mortgage lender Quicken Loans on the same date since the inception of my loan via automatic withdrawal Suddenly two months ago XXXX my bill for my loan reflects that I owe two payments and I am one full payment behind. The loan service representative assured me I do not owe two payments. She then stated that quicken loans changed the date that they process the bill and therefore your bill will always appear as over due. This is unacceptable to me as Ivhave never payed payments out of the grace period. And although the bill do not show that later payment fees are due. But it states I owe two payments. After seeing how the banks and lenders previously took everyones homes during the mortgage crisis about 10 years ago ... I am concerned about predatoryvaggessive collection set up whereby it would reflect if someone such as myself fell behind in one paymentbit would show I was behind And owing 3 payments. You should look in to this. Is it legal to change the condition of a loan such as the payment processing date so people are two months behind in payments? I am going to contact legislators to inform them of my serious concerns. Please respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RoundPoint 's failure to address ethnic names in its computer systems and its corporate policies fail to address Diversity, Equity, and Inclusion resulting in clearly discriminatory practices to its borrowers and I expect to be treated with respect and professionalism without having my name botched and distorted, regardless of my ethnic background or cultural identity. 

RoundPoint 's computer systems inability to recognize or properly display certain ethnic names can lead to incorrect data entry and documentation and can cause significant inconvenience and even financial harm to its customers, as it can result in delays or errors in processing important mortgage-related documents. 

I believe that as a company, RoundPoint has a responsibility to ensure that its systems are designed to accommodate the diverse range of names that exist within our society. It is unacceptable that customers have to endure such issues due to the limitations of its computer systems. In addition to it, the customers do not have the ability to call and have this problem resolved but have to spend the time sending a letter to address something that the company should have addressed when they decided to take on the servicing of loans from a wide range of ethnic groups. It is absolutely appalling that its ability to enter customer names still follows the XXXX naming convention.

I believe it is important for CFPB to take immediate action to address this issue and ensure that RoundPoint 's computer systems can properly recognize and handle all ethnic names. It is essential that its systems are designed with inclusivity and sensitivity to the diverse backgrounds of its customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Experian Information Solutions Inc.
State: MD
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 an filling this request in reference to account # XXXX placed by XXXX XXXX XXXX , also known as IRS FCU. This was a checking account, and not a revolving account. The account is reporting failure to pay on a one ( 1 ) month term, there was no term, or any agreement to make monthly payment. This false, misleading, and misrepresentation of payment history to report late or failure to pay on a monthly term. Under the FDCPA, and FCRA all information furnished by creditor should be completely accurate. This incorrect reporting has hurt my credit worthiness sinceXX/XX/2016. The account has been paid in full and should be deleted from my credit file.

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 2021-05-03
Company: Improved Data Services LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Getting phone calls repeatedly from a company calling itself " Improved Data Services, LLC '' about a debt. They told me on the phone they were not allowed or willing to send me a written verification of the alleged debt but wanted my bank account number immediately. Have called me as many as ten times per day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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 send over several dispute letters re : XXXX wring late payments. XXXX is reporting that I made a few late payment back in XX/XX/XXXX and XX/XX/XXXX. I asked XXXX to fix this situation over and over again because it is causing my credit report to be in the negative status. XXXX is reporting that I am 90 late without being 30 late 1st on my credit report. How can you be 90 days late without being 30 days late? This a clearly a violation of 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 non-monetary relief
Consumer complaint received 2019-02-28
Company: Harvard Collections, LLC
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft.HARVARD COLLECTION IN THE AMOUNT OF {$540.00}. XXXX XXXX IN THE AMOUNT OF {$540.00} XXXX IN THE AMOUNT OF {$170.00} XXXX XXXX  IN THE AMOUNT OF {$1000.00} XXXX XXXX IN THE AMOUNT OF {$570.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED XXXX MORE THAN ONCE THAN THESE ACCOUNTS DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Third party re [ orts incorrect credit FICA score- es and the Price You Pay for Credit Your Credit Score Your credit score XXXX Source : Clarity Services, XXXXDate : XXXX This is on ongoing problem becuse third parties NEVER have complete correct data. This caused me financial hardship!! ONly aa suit will suffice!

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 2021-11-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on TOYOTA MTR. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had a USAA account opened in my name and was used for depositing checks and fraud. I Tried contacting the bank several times but the kept telling me to call back in three days. that was four years ago, the issue was never resolved and they told me i owe them {$11000.00}. because of this i am unable to open an checking account with any bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Porsche Financial Services, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a XXXX XXXX  from Porsche Financial Services. The car was garaged and driven mostly highway and in the suburbs. No city driving. I arranged for a pre-lease end inspection and a surly individual spent time with the car and was noncommunicative about findings. I subsequently received a bill from this company for {$2700.00} ( attached ) with misinformation and pictures alluding to scratches which were not visible. The measurements of the treads were just wrong - the car just passed inspection. I asked to see measurements and was brushed aside. I then received an unofficial estimate for {$4700.00} from Porsche Financial Services. I called the dealer and they said not to worry, I would receive an updated reckoning, which I have not. I turned in the car XX/XX/XXXX. The dealer noted the car was in excellent condition. I have yet to receive notification from Porsche Financial Services, which was supposed to be w/in 24 hours. There should be NO excess wear, as this car was in pristine shape when returned. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft.XXXX XXXX IN THE AMOUNT OF {$540.00}. XXXX XXXX IN THE AMOUNT OF {$540.00} XXXX IN THE AMOUNT OF {$170.00} XXXXXXXX XXXX IN THE AMOUNT OF {$1000.00} XXXX XXXX IN THE AMOUNT OF {$570.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED EXPERIAN MORE THAN ONCE THAN THESE ACCOUNTS DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 2018-04-23
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 information incorrect

Complaint:
My last payment for this automobile was made XX/XX/2015. The car broke down on XX/XX/XXXX. I notified the car lot on XX/XX/XXXX. The car shows as a repossession on my Transunion credit report. At the time I owed under 4k. The car company never contacted me to say they retrieved the car, offered me an amount to get the car once they repossessed it, the car lot did not let me know that the car was sold to someone else and did not take the amount they sold the car for from the balance I owed. My credit report show I owe {$7500.00}. This amount is incorrect. The car is currently for sale by the same owner just at a different lot.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2021-11-03
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on MEDICAL DATA SYSTEMS I XXXX Balance {$160.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2022-01-24
Company: Williams & Fudge, Inc
State: AE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company called my number and asked if I was the person they attempted to call. From there they said they were calling to get information about my ex. Why are they harassing me about getting in contact with her, and why they asked to verify if I was me on a recorded line. They should not be contacting anyone other than the person who has a Debt with them directly. I called the number ( XXXX ) and asked who they were and and what is their business. He told me Williams & Fudge but declined to said what is their service industry. This is an unethical business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: EQUIFAX, INC.
State: OH
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:
According to the FCRA section 605B, the credit reporting agencies have the duty to block any and all accounts noted to be attached to reported identity theft. On XX/XX/XXXX, I submitted a dispute to initiate this process via mail. According to the previously cited congressional act this process of blocking these legally cited accounts should take no more than 4 days, yet the process is nearing 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: Ray Klein, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. I have never done business with this company yet they continue to harass me and threaten to keep calling no matter what I tell them. I asked them to send me proof that I signed up for their service and they said they don't have to do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my credit reports and saw where IC SYSTEMS had inserted an account on my file. I have never received any correspondence from this company. They have not been in compliance and this is a violation of the FCRA and FDCPA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Experian Information Solutions Inc.
State: NV
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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX UTAH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2022 a check that we mailed to our contractor in the amount of {$5000.00} was cashed at an unknown bank. The person cashing our check was not our contractor. When realizing someone stole this check we filed a complaint with out local police department and with Huntington Bank ( local branch ). 
We were told it could take up to 90 days to be resolved. The local bank told the police department that they will take care of things internally and they should not have to be involved. 
It is now over 90 days and all the local branch has told us is that the check was cashed at a XXXX XXXXXXXX XXXX  not endorsed and for us to be patient and things are getting resolved. 

Case number with the bank is XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XX/XX/XXXX I was notified by XXXX that there was a change in my credit report and score, showing that XXXX XXXX had reported a collection account that is closed to my report resulting in a 71 point drop in my credit score. I immediately contacted TransUnion to dispute this, advising them that the reported collection account was NOT mine. 
OnXX/XX/XXXX i was able to contact XXXX XXXX   regarding this and they admitted it was submitted in error and should have NEVER been reported at all or even sent to them for collections. XXXX with XXXX XXXX assured me that on XX/XX/XXXXthey would send over the information to TransUnion that it should have never been submitted and that they would tell them to restore my original score. 
On XX/XX/XXXX I was notified by XXXX that the account was removed from my report however my score did NOT restore to the original score. I contacted TransUnion and was transferred 3 times and finally was told by a representative that they would not restore my score even though they had received information from XXXX XXXX to remove the account because it was done so in error. 
I have attempted multiple to resolve this however TransUnion is unwilling to do so. 
TransUnion is supposed to be CORRECT information and even though they were notified that the submission was done so in error, they are unwilling to restore my credit score from the 71 point reduction. This can have SERIOUS negative impacts not only with financial future but also have a negative effect on my career as any collections can have an adverse effect on my employment. 
I would like them to correct my score and restore the 71 points that it reduced it by.

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