BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Requested a loan estimate from Rocket Mortgage. The loan officer claimed a purchase agreement was required for a loan estimate : Hi XXXX, If you are requesting a loan estimate then you would have to be under contract so send that signed purchase and sales agreement my way and we will get it taken care of. Otherwise if you are simply looking for an estimate of costs then I will send you a cost worksheet so let me know if that is the case. 

Best, Quicken Loans XXXX XXXX XXXX Executive Banker

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, Im in my late XXXX, and trying to reach out to this debt buyer and the three Credit Reporting Agencies has been the most difficult task I have ever encountered.

Im desperate. 

I know the CFPB has inroads so please take this nightmare away from me and to them! 

THIS DISPUTE IS REGARDING ORIGINAL LENDER : XXXX XXXX  Acct XXXX in the amount of {$2600.00}. 

This trade line just appeared on my credit report. I explained it was probably a credit mix up and asked to have it removed. But my request was completely ignored. 

It was never my loan. I never applied for it and never received it. As a matter of fact, I was told that not a single payment was ever made on that note. 

I got an email offer in XXXX via email to settle the amount for {$260.00}. 

I accepted because I was tired of the calls. Every morning, before I got up they were already calling! 

But it should not be that way. The information on there is supposed to be accurate and they have a legal obligation under the Fair Credit Reporting Act 's Furnisher Rule. 

The FTC enforces the rule, and has guidance about responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information they provide. 

For 26 months I have tried to have this debt either validated or deleted and Ive achieved neither. 

When NATIONAL CREDIT ADJUSTERS, a debt buyer, bought the bad debt they wanted the full {$2600.00} paid by me no matter what I said to them. 

I mailed 4 letters via USPS CERTIFIED AND RETURN RECEIPT to NCA from XX/XX/XXXX to XX/XX/XXXX. 

For 26 months I asked them to either validate the debt or delete it from my files. 

They ignored me and the debt remains on all 3 credit reports. 


XX/XX/XXXX I mailed XXXX, XXXX AND XXXX a letter stating my intent to sue. 

I hope that there is resolution between NCA and I. 

Ideally, CRAs will now investigate this reported debt, see it is not mine and delete it OR let me know their findings instead of shooting a VERIFIED with no explanation or source. 


Enclosed is documentation supporting my request : the letters mailed over the last 26 months ( although they did nothing to help ). 

Please investigate this matter and delete the disputed item as soon as possible. 


Sincerely, XXXX XXXX Enclosures : XX/XX/XXXX Validation Letter mailed via USPS CERTIFIED RETURN RECEIPT XX/XX/XXXX INVESTIGATION REQUEST # XXXX XX/XX/XXXX XXXX Validation Request explaining why Letter from NCA did not satisfy XX/XX/XXXX Investigation Request # XXXX XX/XX/XXXX Letter to NCA XX/XX/XXXX Letter to NCA XX/XX/XXXX NOTICE WRITTEN & MAILED VIA USPS WITH EXPLANATION FOR INTENT TO FILE SUIT XX/XX/XXXX ONE MORE SHOT AT RESOLUTION WITH CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
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: Information belongs to someone else

Complaint:
FTC Violations Ally Fincl Inquiry : XXXXXXXX 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 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 explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: MO
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:
After looking over my credit report there were inquiries being reported on my credit report by Experian. 

1.XXXX  -- XX/XX/2019 2. XXXX XXXX  XXXX-XX/XX/2019 3.XXXX XXXX  XXXX-XX/XX/2019 4.XXXX XXXX XXXX-XX/XX/2019 5.XXXX XXXX XXXXXX/XX/2019 6.XXXX XXXX-XX/XX/19 7.XXXX XXXX-XX/XX/19 I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Experian is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Experian is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Experian Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2020-04-26
Company: ENCORE CAPITAL GROUP INC.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2015, I reported to XXXX XXXX XXXX  that there were charges on my statement that I had not made. Prior to these fraudulent charges I had XXXX balance and wanted to close the account, which is how I discovered the fraud. 

XX/XX/2015, I received a letter from XXXX XXXX XXXX  Fraud Investigations, that stated " XXXX  XXXX has determined that you are not responsible for the charge ( s ) using your XXXX  XXXX credit card. '' I considered the matter closed, and that is where I went wrong. 

I have since disputed this with the Midland Funding, the collection agency that bought the now {$400.00} debt ( the original credit limit was only {$300.00} so how is that even possible? ) However, they are relentless, going so far as to ask me to borrow the money from my mom or my dad, who are dead! This despite the fact I tried to tell them the debt was not mine. All they care about is getting their money, not what is right. 

I have also disputed it through the credit reporting agencies. XXXX XXXX removed the negative mark, however, XXXX  has not. 

I have the original letter sent to from XXXX XXXX XXXX  as well as statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my mortgage which was purchased by Amerihome. My first payment was due XX/XX/XXXX, which I paid on time. I have paid on time every month since. The checks have cleared my bank and have been accepted by Amerihome. Their website shows they have have received the payments ( screenshot enclosed ). However, to date there is {$11000.00} " suspended '' by the company and not being applied to my mortgage. I have since fallen into collections for a mistake made by them that no one can explain or is willing to fix. I have made more than a dozen phone calls and have waited hours on hold but no one can or will fix this problem. I have been told several times by many customer service reps that it would be taken care of " in three days '', but that has not happened. I have been waiting for a supervisor to call me back, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First Bank Fl, keeps sending me notices that indicate that there is a problem with my condo insurance policy. XXXX XXXX  sent a letter on XX/XX/2021 stating that " The policy submitted did not show the loss payee as XXXX XXXX XXXX '' My Insurance is paid via escrow and the policy on the condo has never changed in XXXX years. I would like to know why they are contacting me and not handling any issues that they have directly with the XXXX company. 

Loan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On the XXXX of XXXX I contacted the credit reporting company after reviewing my credit report. I noticed that there were various addresses on my report. I let the representative know that I had submitted a police report last XXXX in order to get several items removed from my credit as well as the various addresses removed. The representative continued to inform me that I was wrong about my information. The only address is the one I have had for years is this address. This is the address on my license. This is the address that my vehicle is registered to. This is the address my children leave home from school to and come back home to. This is the address my work and insurance documents come to. Please remove all addresses from my XXXX report that is not the address stated on my license.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services in XX/XX/XXXX. At the time my mortgage was past-due after a failed attempt for mortgage modification. I contacted Carrington who then told me to pay varying amounts never equaling the amount actually do on my account. In XX/XX/XXXX I was told that my home would be foreclosed on regardless of the amount I paid, if I did not include the fees which were unsubstantiated. I paid the amount past due and brought my account current in XX/XX/XXXX. Since that time I have requested several times for a break down of the " Overdue '' charges on my bill. My payments in XXXX, XXXX and XXXX have been on time ; however the Overdue amount continues to increase without explanation. I paid a convenience fee of {$5.00} on XX/XX/XXXX while making a payment online ; this additional amount was deducted from my bank account along with my mortgage payment. On the subsequent bill the charge was added back into the " overdue payment '' on my account. Again I questioned the charge I was told per a manager that it must be a fee from XXXX XXXX XXXX which came over late, despite a listing of convenience fee on the bill. I was also charged a {$20.00} property inspection fee in late XXXX. The explanation given was my account is overdue and it is necessary to verify I still occupy the property. Again the account has been current as of XX/XX/XXXX, outside of the disputed fees which appear on my account as overdue payments. My next call is to an attorney how is this company allowed to stay in business. Small fees add up when they are spread amongst numerous customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent out a letter to XXXX XXXX, Equifax and XXXX, notifying them that after checking my credit report there were several inaccuracies being reported of late payments. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days I sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: DE
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:
The company hasn't provided any info on these disputes. Accounts are not mines they are fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Experian Information Solutions Inc.
State: WI
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:
I was contacted by a collection agency by the name of XXXX back in XXXX of XXXX stating that I owed a past due amount of {$1300.00} for a debt. I wasn't aware of any past due debt however to avoid any negative marks on my credit report, I agreed to set up a payment arrangement of {$220.00} for the months of XX/XX/XXXX through XX/XX/XXXX and one final payment of {$220.00} for the month of XXXX in XXXX. XXXX stated over the phone, that if I made all of the payments on time that the debt would not report on my credit bureau. Recently, on XX/XX/XXXX I applied for a home loan and I saw that the only negative item reporting was by the name of XXXX XXXX reporting with a similar amount and status showing as PAID, CLOSED, {$1300.00} WRITTEN OFF. This account was listed only on my Experian credit report. I disputed the item with Experian over the phone and they sent me a response and a new report on XXXX with the XXXX XXXX item still listed and that the outcome was that the item will remain and that XXXX certified to Experian that the information listed on my report is accurate and that it will remain on the report. I have record from my monthly bank statements that I paid XXXX collection agency for the total amount due of {$1300.00}, however XXXX XXXX is reporting this debt. Not only is XXXX reporting this debt and shouldn't be, but they are not reporting any original creditor, their telephone number, dates of status and the status info can not possibly be correct either.

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 2021-11-30
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: Account information incorrect

Complaint:
A debt has been reported to credit bureau XXXX as a collection for the amount of XXXX XXXX. However this amount has been paid in full today XX/XX/28 ( XXXX XXXX dollars ). I need for XXXX to remove this from my credit report since its impacting me badly. Also, I need to make XXXX and Equifax aware because I believe this will be reported as well at some point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent out a letter to XXXX XXXX, XXXX  and Experian, notifying them that after checking my credit report there were several inaccuracies being reported of late payments. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days I sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.

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 2019-05-16
Company: I.C. System, Inc.
State: OH
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:
To Whom It May Concern, The reason for my dispute is I C SYSTEMS COLLECTIONS # XXXX**** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEMS COLLECTIONS # XXXX**** failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C  SYSTEMS COLLECTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEMS COLLECTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where I C SYSTEMS COLLECTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. I C SYSTEMS COLLECTIONShas not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2020-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020 I attempted to re-finance my house with the existing Wells Fargo, who I have had the loan with for many years. I was trying to get a lower interest rate. I provided all of the documents and waited for some communication from Wells Fargo. I got in touch with Wells Fargo and they said I needed to provide my Divorce Settlement Agreement. I have been divorced for six plus years and have paid my former wife all of her equity in all our joint holdings. When I asked if I could provide just the parts that have to do with house and alimony I was told they would look into it and get back to me. Over two months I would contact Wells Fargo and got the same answer. Finally I received a letter stating I did not provide the documents that they wanted so the loan was cancelled. I paid for the appraisal of the house, and I feel they should refund me at least that amount, ( {$530.00} ). I attempted to contact Wells Fargo at least 25 times up until XX/XX/2020 and all I received was people hanging up on me, and a lot of smoke and mirrors, baloney, telling me how important I was to them, and how much they value my business. I was stressed out over the past nine months and have not got any satisfactory resolution of this matter. I believe they have discriminated against me also. I have the dates, and people I have talked to, on my log of this mess. I feel Wells Fargo personal are incompetent, and completely miss-managed this issue. I have been a Wells Fargo customer for many years, and will be refinancing my house with a company who values me as a customer.

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 2018-12-21
Company: Statebridge Company
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I refinanced my home in Idaho. Statebridge Co. was the servicing company for my loan. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Co. XXXX. Phone-XXXX. I contacted them about one month after my loan was paid off to inquire about my ESCROW funds. I was told they have up to sixty days to return the funds but are usually returned within thirty days. After several weeks, I again spoke to them. They informed me they would open a ticket on the issue and would be in contact with me in a few days. I did not here from them. I spoke with them again XX/XX/2018. I was told my situation had been escalated and more tickets were opened to expedite the return of my funds. I requested to speak to a supervisor of which none were available. I cant pronounce the name of the person I was speaking with. But I was assured the supervisor was handling it personally and I would receive a follow up call in a few days. I called them again XX/XX/2018 with basically the same scinerio. I called again and spoke to XXXX who mimicked the previous contacts. 
The company did not pay my insurance in XXXX nor have they paid my taxes which were due XX/XX/2018. They have far surpassed the deadline to return my funds. Please help. What accountability can they be held to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on RECEIVABLES MANAGEMENT GROUP ; 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. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal 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