BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On the beginning of XXXX I applied to refinance my house, I received a call from XXXX XXXX from Quicken Loan and On XX/XX/XXXX he sent me the approval for FHA loan with 2.25 % after I sent him all the papers work that he asked for. 
After that Quicken Loan wasted my time and basically doing nothing to go ahead on processing my loan, and every time someone call me from Quicken Loan they are all RUDE and unprofessional. 
They asked about a deferred balance in my renter property, and I told them that deferred balance, done in XXXX and I sked them that they can call the XX/XX/XXXX and have three way call to approve it, but I believe the employees at Quicken Loan were too lazy to do their job. 
On XX/XX/XXXX, I received a call from Quicken Loan and I spoke with XXXX XXXX and he was very rude and unprofessional and kept rushing me, and in the end he said there is nothing that he can do to find out if the deferred balance happened on XXXX, and he said that he can cancel my loan and he sent me the following email : Hello XXXX, We have been trying to reach you in order to proceed with your home loan. Unfortunately, due to regulations, we can no longer keep your loan in process. Your loan will be withdrawn today and the deposit will be processed if applicable. 

Please give me a call at XXXX XXXX XXXX XXXX, XXXX if you would like to revisit your opportunity to refinance. 

Sincerely, XX/XX/XXXX, XXXX XXXX XXXX XXXX Now Quicken Loan wasted my time and my chance to lower my interest to 2.25 %, and Quicken Loan put me in emotional stress because of the two months wasting my time the the way Quicken Loan treated me with rude ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN
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:
Simmons First has been reporting inaccurate information to my credit reporting agency since XXXX of 2016. 

I have never had an account with this company. 

This company is stating that i owe them {$1900.00}, which i do not, this needs to be removed from my credit bureau, as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Experian Information Solutions Inc.
State: GA
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 have sent numerous requests to a company called XXXX. XXXX XXXX   XXXX that has bought a debt from XXXX XXXX that is reporting on my credit report. I have sent them letters by mail on XX/XX/2019, XX/XX/2019 and XX/XX/2019 asking them to provide a contract bearing signature for the validity of the account, I even sent an offer to pay for delete to the company and they have not responded back to me via mail. I have disputed this account numerous times with the credit bureaus and it just keeps coming back saying it was validated. How was this account validated when they will not even respond to my requests? It has been over 180 days since I challenged this account numerous times and over 30 days of the last time I disputed. I demand that this account be removed from XXXX, Experian and XXXX. This is a violation of my rights as a consumer by nit furnishing me with a contract bearing signature nor responding to my requests to resolve the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-28
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In late XX/XX/XXXX I received multiple calls from Medical Business Bureau stating that they were trying to collect a {$93.00} debt from XXXX Hospital. I informed them that 1. They never mailed out anything in writing and 2. Based on what they communicated the debt was not my responsibility. I requested information about the dispute process, I verbally stated that I was disputing the charge and I mailed official dispute in writing a couple days later. After that I never received verification of the validity of the debt. On XX/XX/XXXX I found out that in spite of my dispute this company had notified both major credit bureaus and this collection now appears in my account. The dispute is less than 60 days old, there has been no investigation of my dispute, no written verification of the validity of the debt as required by law, and no further update from this company. They knowingly reported an account that was in active dispute status. I am requesting immediate removal from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Experian Information Solutions Inc.
State: MS
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:
Decided to dispute accounts on credit report, but I couldn't get accounts on my credit report from the reporting agency showing that these are my accounts. Ask them to investigate these accounts, but only receive they are validate and belong to you. Ask them to show me proof they belong to me and couldn't get proper proof or a response. Sent out certified letters asking for proof and recieve a we not reinvestigation this matter.

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 2021-11-11
Company: EQUIFAX, INC.
State: NJ
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:
Hello, Due to the pandemic I was recently under a forbearance of my mortgage payments. According to the CARES Act, Pub. L. 116-136. this should not be reported to credit agencies. Despite the law my lender - Caliber Home Loans reported it to all 3 credit agencies. 

On XX/XX/2021 I have called the lender, asking to remove the record from my report, but they said I have to file a dispute with XXXX XXXX XXXX. I have called XXXX and they said that they dont initiate any disputes. This is also a clear violation, as they have an online system and an entire department that must take care of disputes. 

This bad record is preventing me from getting an additional loan or a mortgage, as my application was already rejected by a couple of lenders. Please help me to get my reports cleared, as required by the US law. 

Supporting documents : 1. Please find attached my credit report from XXXX, dated XX/XX/2021. 
2. Also, please see attached the relevant reference to the CFPBs clarification of CARES Act. 
3. Please refer to the CFPB website : https : XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, Due to the pandemic I was recently under a forbearance of my mortgage payments. According to the CARES Act, Pub. L. 116-136. this should not be reported to credit agencies. Despite the law my lender - XXXX  XXXX  XXXX  reported it to all 3 credit agencies. 

On XX/XX/2021 I have called the lender, asking to remove the record from my report, but they said I have to file a dispute with XXXX XXXX XXXX. I have called XXXX and they said that they dont initiate any disputes. This is also a clear violation, as they have an online system and an entire department that must take care of disputes. 

This bad record is preventing me from getting an additional loan or a mortgage, as my application was already rejected by a couple of lenders. Please help me to get my reports cleared, as required by the US law. 

Supporting documents : 1. Please find attached my credit report from XXXX, dated XX/XX/2021. 
2. Also, please see attached the relevant reference to the CFPBs clarification of CARES Act. 
3. Please refer to the CFPB website : https : XXXX Thank you, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: SUNCOAST CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I the consumer/ natural person and original creditor. SUNCOAST CREDIT UNION has violated the Fair debt Collections Practices Act and I have exhibits of the violating me the consumer. SUNCOAST CREDIT UNION is only a credit grantor which is someone who conveys ( to transfer or deliver ) property to another. Truth in Lending Act 15 USC 1602 ( g ) creditor refers only to a person who both extends ( lend to self ), whether in connection with loans, sales of property or services. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by SUNCOAST CREDIT UNION that I authorize during consumer transaction but I haven't benefited from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein affidavit of truth being serviced to you today and affidavit unrebutted standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce. They also received my notarized affidavit in the mail XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Made a XXXX card payment on of {$3000.00} on the credit card that has a limit of {$5000.00} on XXXX XXXX. leaving {$1300.00} of debt still on it. The payment cleared the bank on XXXX XXXX and the XXXX card company did take it off my card balance but will not let me make any other purchases for 10 days until they say the payment has cleared or they can up my credit limit which I do not want to do. I talked to XXXX on XXXX XXXX in card management. And yet it cleared the bank on the XXXX electronically. Is this a ruse to up my credit line and use my money but yet not allowing me to use it?

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 2018-01-28
Company: Marlette Funding, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX sends out printed advertising but application for the loan is done online. On XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX ) approved a loan in the amount of {$6500.00}. I printed out the email showing that the loan amount of {$6500.00} had a 14.99 % APR and a term of 3 years. I selected these terms on applying for the loan. These terms were repeated in an email on XX/XX/XXXX, when the loan was funded. 
In actual fact, a loan proceed of {$6100.00} was deposited in my checking account. 
When I called the XXXX number on XX/XX/XXXX, I was told that a loan origination fee of {$320.00} was deducted from the amount deposited to my account. The origination fee was not declared on any of the information about the loan I printed out. 
After the fact, I went back to the advertising sent to me and found in closely spaced, tiny 2 point grey print reference to an origination fee. 
The CSR knew who I was, but told me that the origination fee was 5.25 % ( which I converted to XXXX during conversation with him to check the math ). Then he changed the percentage of the origination fee to 4.79 %, and this was correct ( XXXX x XXXX = {$320.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account XXXX Account Name : XXXX, Account XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 XXXX 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 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 2019-09-15
Company: Experian Information Solutions Inc.
State: VA
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 have one second mortgage with XXXX XXXX  XXXX, the Experian credit is showing two separate mortgages with same open, balance, monthly payment and same creditor and they are reporting both negative on my credit report.

There is only one mortgage in reality, and the status is not reporting accurately, the status is showing as foreclosure proceeding started. The real property has been foreclosed in 2010. 

I need help in getting this resolved please.

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 2019-09-15
Company: NAVY FEDERAL CREDIT UNION
State: VA
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 have one second mortgage with Navy Fed CU, the XXXX credit is showing two separate mortgages with same open, balance, monthly payment and same creditor and they are reporting both negative on my credit report.

There is only one mortgage in reality, and the status is not reporting accurately, the status is showing as foreclosure proceeding started. The real property has been foreclosed in 2010. 

I need help in getting this resolved please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
A validation letter was sent to the collection companies in dispute. According to FCRA guidelines, after 30 days of no response from a collections company from requesting validation, an immediate deletion would be in order, a letter requesting that deletion was sent to the bureaus and they have yet to act accordingly. As per FCRA guidelines they are now in direct violation of those guidelines and thus the reason for my complaint.

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 2019-09-15
Company: Credit Plus 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: Credit inquiries on your report that you don't recognize

Complaint:
I have excessive credit inquiry on my credit report I never signed or authorized I have called the companies also emailed them but no response. Some inquiries are back to back by the same company I also been involved in fraudulent charges to my credit and they put a fraud alert on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: FACTUAL DATA CORP.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have excessive credit inquiry on my credit report I never signed or authorized I have called the companies also emailed them but no response. Some inquiries are back to back by the same company I also been involved in fraudulent charges to my credit and they put a fraud alert on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
BMO Harris Bank was opening internet accounts in California. I signed up for their Platinum Money Market account and made a {$25000.00} deposit via external transfer. I subsequently made several more external transfer deposits of {$5000.00} each and recently another external transfer deposit of {$15000.00} and never had a problem with deposit transfers. 

Recently I wanted to get {$50000.00} of my money out to make a down payment on a house, and the online site would only allow me to make {$5000.00} daily withdrawals. So I set up a string of daily external transfers of {$5000.00} in late XXXX. It stopped me after five transfers and said I had met my monthly limit, so I set up 5 more for this month and the on line system accepted them and then when I went back as the transfers were not coming through, I found that the transfers had been cancelled for some unknown reason. 

I called customer service, spoke to 4 different people over the course of 1hr and 40 minutes and never got past a supervisor level person, XXXX. I got a lot of conflicting details, but no resolution. I requested to speak to a bank officer as I believe that BMO Harris is not in compliance with FDIC and FTC rules and was denied the opportunity to speak with anyone above a supervisor. 

This BMO Harris Bank needs to be disciplined by the CFPB or FDIC for unfair banking practices.

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 2021-10-26
Company: Nationwide Recovery Systems, Ltd
State: AZ
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:
On XX/XX/2021 I sent this company notice requesting verification of a debt that appeared on my consumer report indicating that I owed them money. It has been more than 5 days and this company has never provided me with any information as it pertains to this alleged debt. Seeking assistance in having this account removed from my consumer profile has it is harming my ability to secure credit products with a fraudulent account reporting. This company is violating a wide variety of federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Experian Information Solutions Inc.
State: OK
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:
There are many mistakes appear in my report without my understanding.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Attempted to request XXXX Freeze on Experian web site. When directed to apply on line, simply see " loading ''. Inexcusable. When I call, receive recording indicating where to mail a request! I am sure banks do not have to do any credit requests by mail!!! 

Interaction with XXXX was immediate on the Web. 

Where is the CFPB. You are the CONSUMER protection bureau, not the credit rating agency protection bureau. Your inaction is inexcusable

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