BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2020 me and my sister went to XXXX XXXX XXXX  to apply for a mortgage loan to buy a house together. We were both denied because of negative accounts on our report. My sister was also a victim of identity theft. We filed a report with our local police department. I have reached out to all the companies involved as well as all 3 credit reporting agencies. There are credit cards opened in my name as well as county records for what looks like some kind of family court.

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 2020-11-20
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX  is the only one, well Equifax as well that is showing wrong information accounts that do not belong to me, that is why XXXX delated them. They are also letting 3rd party reports appear on my credit report, which according to the guide lines of the fair credit act is against the law. There are also soooo many inquiries that they won't remove. I have not one clue why they are there. I have spent 3 years trying to clean up the messes I found once I knew what to do. why on this earth would I apply for anything knowing I do not HAVE ANY CREDIT. the say they wan na help but XXXX. does what they want. I AM SICK AND TIRED OF THEM NOT ABIDING BY THE LAW AND GETTING AWAY WITH IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began an application for refinancing on my current mortgage on XX/XX/2020 with LOAN DEPOT, LLC. As of today, XX/XX/2020 the refinance has not happened. There have been several delays to the process, of which I was not informed ( apparently, some time in XXXX the application was suspended, but I only found out about in XXXX ). My loan officer has not kept me abreast of the situation. One of the delays was due to a loan processor contacting HUD to get information on subordination, related to a grant, rather than contacting the local jurisdiction that issued the grant. I only learned of this after making several calls to the company and then requesting to speak to the supervisor. On average it has taken one week to get a response from the company, if I get a response at all, which has also contributed to the delays.

Based on my call with the loan processor today, closing could happen at the end of this week, but I have yet to receive closing disclosures. I emailed them two weeks ago requesting an updated disclosure and as of today, I have not received them. After several calls to the complaint department and spoke to a manager, he discussed apply a credit. Now when I call him to discuss the credit, he does not return my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: CA
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:
OnXX/XX/2019IcheckmycreditreportandnoticesomeonehadstolenmyIdentityandopencreditcardaccountsandcarsinmyname.IfiledapolicereportandaFTCreport.Iamjustwouldliketogetmynamebackandhavethecreditreportingcompaniestopleasedeletetheitemsformmycreditreport.

Thankyou

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 2020-05-19
Company: MidAmerica Mortgage Inc
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I currently have a VA Housing loan that was sold to Mid America Mortgage , Inc. in XX/XX/XXXX. It is a rental property and due to the COVID-19 crisis the current tenant has not paid the rent ( which is used to pay the mortgage ) in two months. I have been able to cover this payment until recently. I bought this property while I was in the XXXX right before the housing market crashed in XXXX/XXXX, the XXXX transferred me so I had to move, and still owe more than what its worth which is the reason I have to rent it. 

Due to COVID-19 protection and the CARES act I can not evict this tenant. The local magistrate will not start eviction proceedings until at least XX/XX/XXXX. 

I called this Mid America Mortgage lender for forbearance under the CARES Act, and the said that they can differ payments up to 90 days but at the end of the 90 day Forbearance period the entire out standing balance is due. They said that since this is a VA Loan they will NOT renegotiate loan terms to add the time during the Forbearance period to the end of the loan and that any loan renegotiations will have to be done at the end of the Forbearance period. 

They Specifically stated that the best way to proceed is to NOT make my Mortgage payments then TRY to renegotiate at the end of the Forbearance period. They also said that they could not send me this guidance in writing. 

All Im trying to do with this company is renegotiate the terms of my loan based on COVID-19 hardships and the CARES Act which was enacted to help. I find it concerning as a XXXX XXXX and XXXX Veteran that the company would not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It started with applying for a mortgage with Quicken Loans. They asked for the usual qualification question. On XX/XX/2021 we got our pre-approval. I was evaluated and pre-approved for an FHA loan for $ XXXX. After scouting for houses in the area, I found out the $ XXXX is not enough to get a house. I talked to the loan officer if they can increase the loan amount. They asked me to submit documentation to include pay stubs, w2s, bank statements and even my wife 's pay stubs and w2. They increased the loan amount to $ XXXX. 

After over a month of house hunting, on or about XX/XX/2021 we found a property an made an offer of $ XXXX. Our offer was accepted on XX/XX/2021. We put in our earnest money of {$1700.00} and option money of {$150.00}. We hired an inspector for {$370.00}. We are now a week into the purchase. After the inspection, we found that there are items to fix with the house. The seller agreed to lower the price to $ XXXX. 

On or about XX/XX/2021 I got call from Rocket Mortgage and we went through and signed the forms and got an approval letter for $ XXXX. On XX/XX/2021 I got another call from Rocket Mortgage that my loan was disapproved because my debt to income ratio was too high, Their reasoning is the Underwriters made a computation mistake.

I spoke to the Director of Mortgage and explained to him that we spent time, fuel, toll fees looking for a house for a month and even got penalized for withdrawing our XXXX in preparation for the closing. I asked the mortgage director if somehow they can approve the loan because it was their mistake. He said they would only refund the option and inspection fees. 

I want what's only fair, we spent so much time looking for a house had our hopes high and suddenly it was pulled right under us. They owe us the time, effort, cost for looking and the penalty for XXXX as a minimum. 

We are a first time home buyer and we had this bad experience. There is a large banner on their website when I applied " You are pre-approved '' print your pre-approval letter. This is very misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the Equifax breach. I called each of the three numbers given on the FTC web page instructions : Equifax XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
XXXX : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
XXXX : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: ALLIANT CREDIT UNION
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/2021 I refinanced my home and as part of that process paid off this loan. The title company sent the check to XXXX XXXX and the check shows it was deposited by the company. They did not associate the payment with my account and two weeks later I called to check in on the issue. I've been calling all week and spent, on average, an hour a day on hold waiting to talk to escalated people who never resolve the issue. I provided copies of the deposited check and they have admitted they deposited the check and misrouted the payment. However, it is still not resolved and now I am not only out the {$10000.00} but they have continued to charge me interest daily on their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Climb Credit Inc.
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Climb InvestCo was included into my XXXX XXXX bankruptcy from XX/XX/XXXX. The judge that heard my case allowed all creditors to make an appearance in my case to determine if I shouldnt be granted the bankruptcy. No creditors including Climb didnt appear or submit any objections at the hearing. The judge ruled that my case was indeed a hardship and discharged all of my debts. The Climb loan was not a federal student loan but a private loan and a federal judge has ruled that private student loans are acceptable to be included. So the attempted collection is in violation of said federal ruling of XX/XX/XXXX. Your assistance is needed to prevent the continued attempts for collection. I disputed the collection account numerous time over the past year but every few months climb gets the credit bureaus to re-list the collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have sent USAA the attached letter asking them to not call me, call me using automated dialing systems, record me, and that I am represented by an attorney yet they will NOT relent in contacting me by telephone. This is illegal under the RFDCPA. I am requesting that USAA contact my attorney RIGHT AWAY. XXXX XXXX XXXX XXXX. ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$590.00} Account opened XX/XX/XXXX Last Payment XX/XX/XXXX Last Date XXXX XXXX XXXX XXXX, XXXX, XXXX per XXXX XXXX XXXX. 
Phone : XXXX On XX/XX/XXXX @ XXXX XXXX  I was contacted by a young lady @ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX aged debit from XXXX. I advised that I had been contacted by Midland Credit Management Inc.XXXX XXXX and Midland Funding LLC regarding the same debit. The young lady advised that XXXX XXXX owns this debit and asked if I had paid them. I advised NO and she said I should not pay them as they own the debit and they are unable to report this anymore due to reporting age of debit XXXX XXXX, XXXX. 

I advised the young lady that I had disputed the items with Midland 3 different times and each time I dispute the items Midland go out and update the Date Reported date with the current date. 
Example : I just open a dispute on XX/XX/XXXX with XXXX. 
XXXX XXXX updated date reported to reflect XX/XX/XXXX amt. XXXX as Charge off status. Acct # XXXX Midland Funding acct XXXX shows date reported XX/XX/XXXX amt. XXXX as Charge off. Acct # XXXX Midland Funding XXXX XXXX XXXX updated date to reflect XX/XX/XXXX amt XXXX as Charge off. Acct # XXXX I am not understanding how this company is able to keep updating the report date nor am I understanding how they are able to report on this if XXXX XXXX owns this file. Also for the original debit Last Date of Delinquency shows XX/XX/XXXX how every for each one of Midland shows XX/XX/XXXX. 
I am trying to understand how is it that one company can report an items 3 different times by only changing account numbers and rounding up balance amount. 
I have tried to work with this company and they want the money and then advise they will not move dispute. I would like to ask to have this business reviewed as this is not fair for the consumers as I understand I owed the debit but to reproduce a debit from XXXX ( 3 times ) in one month is over the top. 

Thank you in advance for your time in reviewing my letter and hopefully assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
To whom it may concern, Square credit card processing is Currently withholding up to 30 % of all transactions for up to 120 days! They do not get permission or properly inform their customers and we are getting blind sided at the worst possible time. Who could possibly sustain their business if square holds all your profit? This is a horrible thing to do to customers. Especially during the covid-19 crisis. They already withheld over {$1200.00} from my company this week when we are just getting back to work. Please help me share what is happening and stop what this horrible company is doing to people and business. On XX/XX/XXXX they withheld nearly {$1200.00} from a {$3800.00} transaction and on XX/XX/XXXX they withheld about {$190.00} from a {$580.00} transaction. They will not release these funds until mid XX/XX/XXXX. At this rate they will destroy small businesses using their service. I have been using square since XXXX and they just recently implemented this reserve system. I never agreed to the changes and the notification letter they sent in XX/XX/XXXX ended up in my spam folder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I have been actively working on our credit as we are trying to purchase a new home and I have two charged off accounts on my credit report. My scores have been rising as i've been paying things off and they've been removed from my credit report and i got to a point where there wasn't really much more to do but my score had reached an acceptable level. However out of the blue i got notification that my score had dropped 40 points so i immediately got a new report. Nothing had changed on my credit report except for the fact that the charged off accounts ( that have not been paid off ) had changed the " date of last action '' to reflect that it was a new derogatory account. However the account has been closed and no new information had been reported so they can't change the date of last action and make it a new derogatory account. Because of the fact that is showed that it was new it dropped my score because newer accounts hurt more then older ones obviously. I have been unable to correct the account with the credit bureaus and the company refuses to help us. Please help me.

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 2020-05-19
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of XXXX I went to the VA with a medical problem that they sent me to XXXX Hospital ER to be seen for what they thought I had a XXXX XXXX. The hospital was to bill the VA for the services they provided. I did not know what happned but the hospital billed me insted. The reason I did not recive any mail as we were homeless and could not recive any mail. When I found about the bill it had gone to collections the, bill was for over XXXX. I then called the hospital to find out why they had billed me and not the VA. They told me that they did'nt know they were to bill them. Then the hospital called the VA, and was told that they that that they were not going to pay the bill as to much time had passed since the time I was seen. The hospital then sent me forms to fill out to see if I could be forgiven on the past bill, so I filled out the forms and sent them back. I did not hear back from them for about 3 weeks, so I called them back this was about mid XX/XX/XXXX. I then learned that they could not do anything becouse it had gone to leagle, and I would have to deal with the collection company. Then on about XX/XX/XXXX I got a letter from the Hospital stating that I could recive services at no cost to me untill XXXX XXXX but not forgive the past bill. I then called the collection Centron Collection Services to try and see what I could do to resolve the bill I had with the hospital. The call started off with them asking for my account number I told them I don't know what it was. so they asked for my name and we went from there. I told them that I wanted to make payments on what I owed for the hospital bill, that is when they wanted to add my wifes bills that I didn't know she had and that I had to pay them also no matter what, and I could not pay just on my amount. So I agreeded to pay XXXX a mounth. But becouse of all the mixups with the hospital and the VA and now collections, it is very hard to go from homeless to home ownership. the VA shouldhave payed the bill no matter how long it has been and the hospital should have billed the VA. This is a on going problem and the VA and they should pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification alert from XXXX regarding a collection acc # XXXX. I immediately contacted XXXX about this issue and explained to them that I did not open this account and this account is very much fraudulent because I am a victim of identity theft. XXXX told me to contact the collection agency or file a police report. I contacted the collection agency and they failed to provide information about the debt. I was not notified of this debt by the collection agency or original company. I have not knowledge of this debt and I am a victim of identity theft. The debt is in the amount of {$1100.00}. The collection agency name is MRS Associates. This is also indirect communication because no one contacted me in regards to this alleged debt owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20
Company: EQUIFAX, INC.
State: MD
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:
New standards for how tax liens, civil judgments and bankruptcies are included in credit reports went into effect on XX/XX/XXXX. BeginningXX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals. I disputed the tax lien and judgment information on my report and it came back as verified. The problem with that issue is that I spoke with the companies/court involved who the credit reporting agency claims verified this data, and they responded in writing stating that they do not verify information such as bankruptcies, tax liens and judgments with credit bureaus. Please have any tax liens, & judgments on my report deleted immediately. I was also, according to the Equifax website part of the data breach that took place between XXXX and XX/XX/XXXX. After searching by my SSN, it said that I was included in the breach ( Please see attachment ). Therefore, I would like to have a fraud alert placed on my credit reports with all 3 agencies and also any credit inquiries from XXXX throughXX/XX/XXXX removed immediately. As these things are negatively affecting my credit score.

Company response to consumer: Closed with explanation