BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Quicken loans called me to give me a quote for a cash out refinance. I told the agent I just wanted the rates. She then asked me to verify the last four of my social. After providing, she told me my credit scores were x, y, and z. When I asked her if she just pulled my credit, she said yes. I told her its illegal to obtain my credit without my consent and I did not consent to have my credit run. I specifically told her I only wanted rates. She then tried to mislead me stating that by giving her the last four of my social, I have consented under the law to having a hard pull done. I was infuriated and escalated to her manager. There is currently an investigation. My concern is that the agent 1.did not appear to know or care the legality of pulling credit without consent and 2. she then tried to lie/mislead me once I confronted her. This is not okay. Agents name was XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: EQUIFAX, INC.
State: AL
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 mailed Equifax my report from the ftc identity theft report, along with my identity theft report that is notarized, and a copy of a police report stating that I was a victim of identity theft and Equifax fail to remove some of the accounts stated on the report. The accounts that are on the identity theft report and police report are the U.S. Department of Education, and they are incorrectly report my child support from the State of Alabama after I have disputed it numerous of times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Troubles Ocwen Loan Servicing, the white collar crime operation, and its outside attorney XXXX XXXX are offering me hundreds of thousands of dollars in a increased balloon payment loan modification with thousands in increased bogus mortgage payments to embezzle my property to increase its revenue. I will provide the court with evidence of the pretender lender loan servicers years of embezzlement crimes and I will bring in my law enforcement witnesses and physicians who will testify under oath which will bring the white collar crime pretender lender loan servicer to justice. Discovery is happening very soon : ) I am still waiting for the questionable CFPB agency to take enforcement action against Ocwen Loan Servicing, the pretender lender loan servicer that has many years of white collar crimes swept under its smelly carpet. I reject the fraudulent loan modification attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account resolution Service is contacting me regarding medical bills that were paid by insurance to the original creditor XXXX XXXX XXXX. By them selling my medical information to a second party company, they are violating my rights under HIPAA. One account is showing {$680.00}, another account is showing {$1000.00}, another showing {$910.00}

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 2019-03-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have a membership with Experian and attempted to dispute an issue on my credit report. I wrongfully had a debt that was lied about put on my credit report by XXXX while XXXX overseas serving with the US XXXX ( XXXX to XX/XX/XXXX ). Upon my return I tried to resolve the issue and was told if I paid the debt to XXXX they would remove it from my credit report, so I did in XX/XX/XXXX ( the amount was roughly {$70.00} ). I have recently discovered that the mark is still on my credit report ( XX/XX/XXXX ). For the past month I have tried to solve the issue with Experian due to having a membership with them. After about two weeks of trying to get ahold of someone to talk to I was able to file a dispute which did not allow me to upload documentation. I was then informed today that my dispute was rejected partly due to lacking supporting documentation ( XX/XX/XXXX ). I tried to dispute the result but after an hour on hold I was told that I must file an entirely new dispute. I am still serving in the US XXXX XXXX and am currently located in XXXX. Attached is a copy of my XXXX orders from my 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 2019-11-16
Company: Experian Information Solutions Inc.
State: GA
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 contracted the debtor on the XXXX on XXXX requesting my signature proving this was my debt and or that i had paid the account late. The companies are reporting information to my 3 credit reporting agencies without any validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors.

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 2018-04-25
Company: ENCORE CAPITAL GROUP 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: Old information reappears or never goes away

Complaint:
One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX XXXX  from XXXX or before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wrote a validation and verification letter to XXXX XXXX as well as to XXXX, Equifax, and XXXX   about the account. The account was charged off and XXXX XXXX sold the account. I informed XXXX XXXX that they were in violation of the arbitration agreement. 

I have attempted to contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to determine the status of my account, and I am not able to receive any details except call back. I am confused as to how the credit bureaus were able to verify and validate the accounts. 

XXXX XXXX  has responded that my claim was frivolous ; however, I have not been able to discuss nor recieve

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I obtained copies of all three of my credit reports and observed a collection account on my credit report from ERC for an XXXX XXXX XXXX bill which I do not ever recall having an XXXX XXXX XXXX  account ever. 

A certified letter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enhanced Recovery Company ( ERC ) on XX/XX/XXXX, please see the attached letter where I requested documentation to support that this was, in fact, my collection account as I do not recall ever having an account with XXXX XXXX XXXX  I received a response letter, also attached from ERC on XX/XX/XXXX stating in paragraphs 5 & 6 : Unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after receipt of this notice, the debt will be assumed to be valid by us. 

If you notify our office below in writing within the thirty-day period that the debt, or any portion thereof is disputed, we will obtain verification of the debt or a copy of any judgment that may be of record against you. We will mail the verification or copy of the judgment to you. 

I followed up with another certified letter, XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, also attached, again requesting validation that this debt belongs to me. Again, they sent me a letter dated XX/XX/XXXX only to state that this debt remains unpaid. ERC still has not provided any documentation to prove that this debt belongs to me even after their own letter states that if I request the supporting documentation, it will be mailed to me. I requested proof that this debt belongs to me on two separate occasions with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Longbridge Financial, LLC
State: OH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XX/XX/2021 I started looking for a reverse mortgage and was proceeding with XXXX. I then found Lonbridge Financial whos said they would be way quicker and easier to deal with I foolishly believed their sale pitch. I provided all financial information they requested and they provided a Reverse Mortgage preliminary offer. The property value was tight but on appraisal it cam out with {$30000.00} to spare. 
I submitted all documentation as requested in a timely manner. 
They did have an issue that as naturalized citizen much of me assets were still in the XXXX so at no little expense I transferred money to my XXXX XXXX  account in the sum they requested and was promised that having done that my loan would be able to proceed. 
They were fully aware that we were engaged in spend down so that my sick wife could go onto XXXX and that the funds raised were for the equipment see urgently needed. 
Out of the blue I get a call saying they did not wish to proceed. In the intervening period I think her credit card debt may have risen so all they need to to do was to explain this and ask me to close of dept of produce further funds. I should add that we both have credit ratings in the mid 700 's never mise any payment. The sales lady, who is equally frustrated, admitted that a member of staff had been sitting on our papers and they had not been forwarded in a timely manner. NOW this is despite their most senior underwriter confirming two weeks ago, she was at a conference at the time but still called me with the good news, that the loan was ready to go if I could show {$70000.00} in my US account this I did in 48hrs. Costing me a costing me a loss of nearly {$3000.00} and expense. 
If I knew I could not take them at their word and trust the verbal contract I would not have proceed. 
In my opinion the sales department oversells there capacity to deliver. 
They are very inefficient once things move to their back office, I was told they did have staffing issues and getting up to speed. 
Communication is poor. I have called many time once the money was deposited and she said the she had been told that she was told in the past if they did not contact promptly all was ok. 
VERY VERY DISAPPOINTED!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: EQUIFAX, INC.
State: TX
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 had my attorneys send letters to all 3 CRA for the following accounts and agencies ... 
Equifax 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX 1.XXXX XXXX XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX ...

Requesting verifiable proof of these debts in accordance with the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
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 inquiries not authorize or fraudulent inquiries

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 2017-11-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had the insurance on the credit card that I paid monthly for and when I lost my job, the insurance paid the debt in full. Ever since, they have tried to bill me for {$280.00} in interest and late fees from after the debt was paid. They are harrassing, call all the time stating they will sue me over the {$280.00}, I have tried to dispute this. They do not provide me with anything but a simple statement showing the money owed, there is no validation to how the debt was incurred and they have falsely reported this on my credit reports. This is the only derogatory issue on my credit report at this time and I want to resolve this once and for all. The credit report on XXXX shows the Date Opened was XXXX but last report on XXXX. Everything about this account is incorrect and they constantly harass.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One promised me a 0 % promotional interest if I paid off my card by XX/XX/2019. I paid off my balance well before this date. I got charged over {$41.00} dollars for interest on a {$0.00} balance. I just spent an hour on the phone arguing with someone about this. They would not reverse the charges. As you can see on the statement, the balance was paid in full, yet I was still charged interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-12
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: Account information incorrect

Complaint:
I went through the CFPB because I saw two collections I knew were not mine from XXXX XXXX XXXX. The response is attached ; XXXX XXXX XXXX does not have these. Yet nothing has been 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 2017-12-05
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX Disc-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXXMultiple times XXXXMultiple times Credco-Unknown XXXX XXXX XXXX XXXX XXXX XXXXmultiple times XXXX XXXX-Unknown XXXX XXXX XXXXMultiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXMultiple times under different names

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Critical Resolution Mediation LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have received numerous and aggressive messages on my voicemail for a XXXX XXXX XXXX, which I have no clue who that is. The same person calls and identifies himself as XXXX XXXX, leaves his phone number XXXX ( XXXX ) XXXX, his ext XXXX, though when you dial the number it goes directly to him, but he leaves messages saying that XXXX needs to give him a called at the Law Firm of Critical Resolution. He indicated that she wrote a bounce check which carries jail time and the amount that she wrote is a felony charge. He said this was turned over to him by a XXXX XXXX. I initially ignored it, thought it was an error, but he continuously called. Well, he called so aggressively and nasty and repetitive messages left, I called and left a message informing him, he was leaving someone else 's personal information on my voicemail continuously and the last name he gave was mine but I am clueless as to the party he is speaking of. Well, he did not return the call ; however the nasty, aggressive, unprofessional voicemails continued. I contacted him once again, today, XX/XX/XXXX and finally reached him. I informed him that he was asking for a XXXX XXXX XXXX, he yelled at me and said I did not call you. I said, yes, you did, you constantly left messages for this individual and I have no clue who it is. He harshly said, in a yelling voice, well then, did I call this number you are calling from, I said yes and repeated the name that he asked for, he yelled at me and said I asked for XXXX XXXX, I said, you did not, you said this matter was submitted to you by XXXX XXXX. I said, I have your numerous messages on my voicemail, he rudely yelled again and said he did n't ask for XXXX and that I did not know what I was talking about and slammed the phone down in my ear. 

I got online and looked up this company to see if I could get a different number so that I can speak to a supervisor to inform them of the way he conducted himself. I located this number and the same person answered the phone, saying XXXX XXXX XXXX. I do n't know if this is a one man operation but it was outrageous in which he conducted himself. I deleted the messages but decided to keep one to support what I am stating to you. If he calls my home again, the next step will be a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
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:
Equifax continues to report fraudulent negative information on my credit report. They are in violation of the FCRA. I have submitted numerous disputes to no avail. Their investigation system is flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Accelerated Receivables Solutions
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2019, I reviewed my XXXX credit report and it showed three medical collections from Accelerated Receivables Solution and the same information is also shown on XXXX & XXXX. So on XX/XX/2019, I sent a certified letter to Accelerated Receivables Solution requesting to validate the three collections. The company is in XXXX, NE and a part of the request from this company is do they have a license in the State of Michigan to collect this debt in addition to sending me a copy of the actual account from the creditor company. 

Today is XX/XX/2019 and have not received any written correspondence from Accelerated Receivables Solution. My disputes with this organization are the following : ( 1 ) the company did not respond to the documentation requested from myself for the company to validate that they can legally collect these medical collections : ( no validation of the actual copy of the bill and account, no information of the creditor regarding these collections, no documentation of the company proving that they can collect debts in Michigan-bond ) ( 2 ) All three medical collections on the XXXX report have the same account number with different debt amounts, ( 3 ) they did not respond to the reasonable time ( 30-35 days from receipt of the letter ) to validate that they can collect these 3 collections and the three medical collections are still showing on all three credit reports. Supportive documentation is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I filed a complaint on last Thursday XXXX ID : XXXX ) because I saw a huge amount hold in both of my saving and checking account. But on the following day, Friday XXXX XXXX, I found that all my money was back and there was no hold. I called BOA ( XXXX ) again and the representative said that it was a mistake, system error, my accounts won't be closed. But today, XXXX XXXX, I logged into my mobile app and found out that my balance is {$0.00}. I went to local branch and the banker showed me that my account was marked with " closure at risk '' and gave me the XXXX because there's nothing they can do and also he doesn't know the reason. 

So I went home and called BOA claim department again, the representative gave me the same answer as last time I called, " because we have rights to do so, we don't need to give you any reasons. ''

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