BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: Rocket Mortgage, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently bought by Rocket Mortgage. Since the purchase they have been incessantly reaching out to offer to review my mortgage options with them. I have repeatedly told them I am uninterested in this review at this time and am satisfied with my current mortgage and interest rate. Even with my telling them I am not interested I have been receiving calls and/or texts every day since XX/XX/XXXX offering these services. They have also been contacting the secondary account holder of the mortgage offering the same services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Lentegrity Management, LLC
State: FL
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:
Hello, In XXXX of XXXX I applied for a credit card loan through a used car XXXX XXXX XXXX XXXX XXXX ''. I approved the company to pull my credit report XXXX time yet I had XXXX hard inquiries pulled within the same few days by the XXXX. When I complained they said that all XXXX would be reported and affect my score as if only XXXX was pulled. Now, many months later when I am looking into buying my first house, the XXXX XXXX XXXX are still affecting my score. Please advise on how to reduce these XXXX back to XXXX. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

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  Thank you greatly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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, After i had fallen behind on my load payments due to a hardship suffered in my family. I tried make arrangements with XXXX XXXX concerning my account but they were unable to help me.on XX/XX/XXXX, I sent XXXX XXXX a letter that the information that they listed on my account was disputed. Nothing was received back from them. 
I enlisted XXXX XXXX XXXX to help me settle my account. They were able to negotiate a settlement for my account and after 12 successful payments to XXXX XXXX thru XXXX XXXX XXXX the account was settled/resolved and paid off on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: NY
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 organization is continuously seeking for the debt that I do not owe. I am enclosing my Identification, Identity theft report from the Federal Trade Commission and the Notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all of the requirements for blocking and removing of this account from my credit report under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 Submitting this complaint to you today to follow up the complaints and letters I previously submitted. I sent a letter addressed to the Credit Bureaus on XX/XX/XXXX to remove the Disputed Fraudulent items that are completely UNKNOWN to me. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. I feel like the Credit Bureaus have not yet taken action to my previous complaint and I going to follow up the complaints O previously submitted. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX  XXXX  XXXX Balance Owed : {$350.00} XXXX/XXXX date of inquiry XX/XX/XXXX XXXX/XXXX  date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2021-08-16
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX have proof that Ally XXXX XXXX has violated my rights pursuant to XXXX XXXX d ) ( XXXX ). Ally Financial XXXX has reported highly delinquent information to the following credit reporting agencies. Ally Financial XXXX is in violation of XXXX usc XXXX XXXX h ). Pursuant to this title and subchapter, Ally Financial XXXX has unlawfully collected XXXX completed payments from myself, the consumer, and directly applied such payments to this debt from the date or XXXX XXXX, XXXX until XX/XX/XXXX. Ally Financial XXXX is in violation of XXXX usc XXXX ( d ), Ally Financial XXXX has contacted me multiple times in attempt to collect this alleged debt. XXXX usc XXXX XXXX d ) states that a debt collector XXXX not engage in any conduct with the natural consequence of which is to harass, oppress, or abuse any person in connection with the connection of a debt. Ally Financial XXXX compiled deceptive forms and furnished them and used them to create false belief that a person other than I, the consumer is participating in this alleged debt collection, when in fact such person is NOT so participating pursuant to XXXX usc XXXX ( j ) ( a ).

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 2022-08-13
Company: EQUIFAX, INC.
State: MO
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 Submitting this complaint to you today to follow up the complaints and letters I previously submitted. I sent a letter addressed to the Credit Bureaus on XX/XX/XXXX to remove the Disputed Fraudulent items that are completely UNKNOWN to me. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. I feel like the Credit Bureaus have not yet taken action to my previous complaint and I going to follow up the complaints O previously submitted. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX  XXXX  XXXX Balance Owed : {$350.00} XXXX/XXXX  date of inquiry XX/XX/XXXX XXXX/XXXX  date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My bank Caliber Home Loans was reviewing a short sale last month and as of this month they have changed their policy and are no longer willing to review a short sale. I have an offer for the full amount they were asking for at the time when they were reviewing the short sale but now they will not review it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Calls Calaiming I owe XXXX XXXX Which i do not When I ask for Proof of debit they tell me my Credit Report is Proof enough

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against Phoenix Financial Service located in XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Phoenix Financial Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Law Office of J.A. Cambece
State: MA
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 XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately. 
2 ) That all correspondence be by direct mail to my home or by email to XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: NY
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 reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I made two payments totaling close to {$900.00} to pay off the full balance on my Capital One credit card, 19 days before the billing cycle ended, but I still got a bill for {$5.00} on my next statement. It was based on a balance of {$230.00}. My balance was never even at {$230.00} at any point in the billing cycle. I have seen online that Capital One has done this to other customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
B of A decided to close all of my accounts and credit cards. I have 2 credit cards with over XXXX miles each and the bank is telling those points and miles are null and void now. Those points are worth {$1100.00} and they wont pay me out or let me access them to redeem them. I earned those points and miles and they should be mine. They are stealing money from me essentially

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 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There is a collection account from XXXX XXXX XXXX on my credit repoorts for the original Creditor XXXX XXXX XXXX MED CTR. This bill was for my father of the same name, except he is XXXX and I am XXXX. His address was forwarded to my address when he passed so there has been a lot of confusion with his accounts being mine because of address and same name, etc. The account was in his social security number. I have asked for it to be removed from all my credit reports stating that it was not mine, and also with the credit collection company. They have not. I have also asked for documentation where they think it is mine and documents with my social security number. I have done this multiple times. They have failed to provide such information. I want it removed from my credit report immediately. 

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account information : Partial account number : XXXX or XXXX How appears on report - TRANSUNION AND XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX ORIGINAL LENDER - XXXX XXXX XXXX Med Ctr XXXX XXXX XXXX Med. Ctr ORIGINAL BALANCE - {$3300.00} {$3300.00} CURRENT BALANCE - {$3300.00} {$3300.00} STATUS - Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department DATE ASSIGNED - XXXX XXXX, 2011 XXXX XXXX, 2011 ACCOUNT NUMBER - XXXX XXXX ACCOUNT HOLDER - Individual Individual DESCRIPTION - Account information disputed by consumer

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 2022-04-27
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
GM Financial has caused our two income household to become a one income household due to misinformation given throughout the entire lien and title transfer process. 

I was informed by agents that this information could be faxed to the county tag office in Georgia, which is incorrect. 
I was informed that the information could be expedited by both the State of Georgia and Florida to which they were willing to provide information, but my lien holder, GM Financial refused to cooperate. 

Due to this issue, now we are facing financial hardship. 

I was informed by an agent that I could request a payment deferral and it would be placed on the backed of my lien. When I called in to defer the payment I was told that there would be a {$62.00} ( USD ) charge in order to even process the payment deferral which I was NOT previously informed of. 

I was also informed that GM Financial does not have a compliance ( legal ) department when I requested to speak with them which is also incorrect information This has been an issue since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I recently made payment arrangements with Bridgecrest. I have a {$370.00} payment scheduled on XX/XX/XXXX and XX/XX/XXXX. The payments are scheduled to be automatically drafted on these dates. I spoke with a representative during the week of XX/XX/XXXX and they have no record or documentation of the call. However, the payments are still showing in their system. The car was repossessed on XX/XX/XXXX, exactly one day before the payment was scheduled to be withdrawn. I then called and spoke with representatives and they advised that I never spoke with anyone. But they do see my payments in the system. Why would they allow for the arrangements and the drafts if they had no intention of allowing me to prevent the car from being taken? Now, they want me to pay the total amount due in order to release the vehicle, even though I had already scheduled the payments.I made these arrangements in good faith, yet they still took the car. I had explained that I had been unemployed for approximately XXXX XXXX months, and I was trying to get the account caught up, since I have returned to work, but speaking with this company and making arrangements did not prevent further actions. I am now without transportation and unable to reason with anyone. They just provide the same scripted information about policy, but offer no attempt to resolve the error reasonably. I want to continue with my payments and be allowed to keep my car.

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