BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-08
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Based on online advertisements for Rocket Mortgage by Quicken, I proceeded to their website to get a quote for mortgage. The website then prompts the user to enter various personal information including name, DOB, job, residential history, income, etc. As with other websites, the user is lead to believe that they will be provided a quote prior to generating a 'hard ' credit inquiry. However, when arrived at the final step, Rocket Mortgage was prompting me to enter my SSN. I contacted customer support who verified the inquiry would be a 'hard ' inquiry. Having been mislead by their website, I was very disappointed and requested that Quicken delete my INCOMPLETE application and any information related to the aborted application. I was directed to XXXX XXXX with client relations where things only got worse. XXXX continuously asserted that, as a client, I could not have my data deleted. I argued that I am not a client as I aborted my application and was not and never have been a customer of Rocket Mortgage. XXXX was very rude in all of her interactions and basically encouraged me to file a report by mockingly saying they would not delete my information and would deal with the CFPB if/when they were contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: AmeriCollect
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On several dates during the month of XX/XX/XXXX, I received several phone calls throughout the day, XX/XX/XXXX through XX/XX/XXXX several times a day I would receive phone calls from this debt collector telling me that not only will they report me to local law enforcement but are also going to seek a chips order ( child in need of protective services. ) At first they refused to send me a bill, with an insurance breakdown, of the charges. I had 3 insurances at this supposed bill. Which they refused to do, citing some bogus wisconsin law that they can and will have me arrested. I called their bluff. It is now 40 days later and now there threatening me with a civil suit and wage garnishment immediately. Which again is agisnt Wisconsin civil suit laws and the fair reporting credit act. 
I would like this removed immediately from my report. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Ive submitted a complaint regarding bankruptcy being reported on my report! Instead of following the new law that was placed, they are refusing to remove it! It is not being displayed correctly! XXXX is the ONLY bureau that successfully deleted the bankruptcy. I am going to be forced to take further action if my requests continue to be denied.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX  and Transunion are reporting an incorrect coding of the XXXX/XXXX  partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 7 and 8 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-10-07
Company: Shellpoint Partners, LLC
State: KY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Shellpoint Mortgage illegally trespassed in a attempt to collect a debt not owed. 

On XX/XX/XXXX a representative of Shellpoint Mortgage illegally removed locks from my doors, shut off my utilities, removed plumbing and said to me my house was being foreclosed on. The police were called and the representative of Shellpoint Mortgage told the police I was being foreclosed on. 

I DO NOT NOR HAVE I EVER HAD A MORTGAGE WITH ANYONE SHELLPOINT MORTGAGE REPRESENTS. 

I purchased the home from the XXXX County Kentucky Master Commissioner over three ( 3 ) years ago. Any rights of a lender would have been released at that time. I have since found out that Shellpoint Mortgage is trying to collect a old debt from a previous owner.

Since the XXXX Shellpoint has come back and put more stickers on my doors.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
GM financial does not allow lease transfers across state borders. Transfer can only take place in the state the vehicle was initially registered in. Very inconvenient!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Charges & Accounts from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 
XXXX/XXXX ACCT : XXXX AMT : {$1000.00} XXXX/XXXX ACCT : XXXX AMT : {$3400.00} XXXX/XXXX XXXX XXXX   ACCT : XXXX AMT : {$880.00} XXXX/XXXX ACCT : XXXX AMT : {$3000.00} XXXX/XXXX ACCT : XXXX AMT : {$3100.00} XXXX/XXXX ACCT : XXXX XXXX : {$640.00} XXXX XXXX   XXXX ACCT : XXXX XXXX : {$700.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$800.00} XXXX ACCT : XXXX XXXX : {$660.00} XXXX/XXXX XXXX XXXX ACCT : XXXX AMT : 1636 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/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 2019-03-09
Company: Experian Information Solutions Inc.
State: NY
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 have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at XXXX XXXX XXXX, XXXX, NY XXXX. 

I am writing a letter of dispute. I have included a copy of my driver'slicense and social security card to validate my identity. In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to  verify physical records on file of the original signed account or contract from any accounts you post my credit report. 

I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 

I formally demand the following negative account records be verified, and/or removed immediately. 
Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from 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 non-monetary relief
Consumer complaint received 2017-12-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than four times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on google website.

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 2018-04-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently acquired my credit report and discovered that XXXX XXXX XXXX XXXX is reporting a collection account from XXXX and XXXX XXXX to multiple consumer credit reporting agencies. The reports indicate the accounts are from XX/XX/2014 on a card I supposedly didn't pay. I have no record of such even. I have paid all of my bills on all of my credit cards, so I do not know how this account came to be in the negative. I haven't received any information from XXXX to clear this up. I have disputed the information as inaccurate to XXXX, but was informed XXXX has verified it as accurate. When I checked my reports, however, XXXX has re-reported the information recently and is not so much as reporting it " disputed, '' which a consumer rights attorney I know told me would likely violate the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have written all 3 credit reporting agencies and also the loan company about this issue over the course of about 3-4 years. I spoke with a credit reporting company last year and they informed me that this would be off my credit and it is still showing up and is incorrect and is causing my credit score to keep decreasing making it hard for me to obtain things and  making it hard in me and my family financially. I need this information removed from my credit as soon as possible.

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: I.C. System, Inc.
State: OR
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 a new collection account ( see attached ) that popped up when my mortgage lender was finalizing documents for my home purchase. My father and I share the same name ( Jr/Sr ). Both of us have spent countless hours on the phone with both IC Systems and XXXX XXXX XXXX attempting to get this resolved. Both places just point the finger at the other. This is NOT my debt. It is possibly my father 's, but IC Systems has been unable or unwilling to provide documentation of what this account is linked to. 
I have disputed this with XXXX and all 3 credit bureaus. I have filed complaints with both XXXX  and the Department of Justice. 
I do not have 30 days to wait for this dispute to get resolved via the normal pathway. In May, I started the process of having a home constructed. That home is now done and it is supposed to close in 10 days. This collection account has TANKED my credit score and I am no longer eligible for the mortgage loan. We are talking tens of THOUSANDS of dollars of loss because of a fraudulent/erroneous account. 
IC Systems is aware this is not my debt, but refuses to remove the collection or actually attribute it to the correct person.

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 2023-01-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Closed card in XX/XX/2022. They allowed a charge to go through that I did not renew for XXXX. I made several unsucessful attempts to contact the charging vendor prior to the charge. Despite those attempts, the card is stating that they allow recurring charges. At time of closing card, it was not disclosed they would allow recurring charges to process. I did not authorize any.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-01
Company: General Motors Financial Company, Inc.
State: MI
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:
XX/XX/XXXX my father passed away. I asked GM Finacial for a brief extension or payment deferment due to death of an immediate family member. I made up the deferred payment XX/XX/XXXX. But according to my credit report it was listed as a missed payment that month. And on my transunion it says I missed a payment again in XX/XX/XXXX when that lease matured in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citi is not calculating my interest correctly. I switched my account to a " Citi Accelerate ' account with a ~2.4 %  interest rate. I live in XXXX and am eligible for this account per the representative i talked to in XX/XX/XXXX. For whatever reason since my account was open 15yrs ago in XXXX, I am not eligible for the higher rate.

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 monetary relief
Consumer complaint received 2018-10-02
Company: PNC Bank N.A.
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:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018 ; XX/XX/2018 ; and XX/XX/2018. It is now XX/XX/2018. I sent the PNC BANK, NA and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I asked for a forbearance during my application process for XXXX and got approved for 6 month to pay half my mortgage as I did when i was done they put me in a modification for the same amount I was paying and for 40 yrs not giving me any other options I later learned they were supposed to ask for the difference I didn't know what I signed due to heavy meds and they have robbed me of a mortgage for 30 years I have paid on time for ten years its not fair what they did to me. That's Nation Star mortgage now called Mr Cooper and it was about 10 years ago. i just found out my Atty Generals office and all 50 states sued for about 80 million dollars they had my info and never contacted me. this has caused me severe XXXX I cant sleep at night and till this day I struggle to keep my home. Please help me...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: BMW Financial Services NA, LLC
State: CA
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:
I am writing to bring to your attention a concerning issue I have been facing with BMW Financial Services. Recently, I discovered that they have misused my credit report and have not removed any late payment reports from my credit report even after my car loan has been fully paid. 

To provide some context, I had taken out a car loan from BMW Financial Services a few years ago. Throughout the duration of the loan, I made all my payments on time and in full. However, despite this, BMW Financial Services reported multiple late payments to the credit bureaus, which had a negative impact on my credit score.

Furthermore, even after I had paid off the entire loan, BMW Financial Services did not remove any of the late payment reports from my credit report. This has continued to negatively affect my credit score, making it difficult for me to obtain credit in the future.

I have attempted to rectify this situation by contacting BMW Financial Services multiple times, but they have been unresponsive and have not taken any action to remove the late payment reports from my credit report. 

I believe that BMW Financial Services ' actions constitute a violation of the Fair Credit Reporting Act and have caused me significant harm. I kindly request that you investigate this matter and take appropriate action to ensure that BMW Financial Services rectifies their error and removes the late payment reports from my credit report. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation