BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-25
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My sister was staying at a property that I owned. The agency called on XX/XX/XXXX and told me that I had a cable account with a balance that was placed with them. I told them I didn't live there so that is not possible. I asked if they are sure it is in my name, they said yes it is in my name. I called them back on XX/XX/XXXX, they confirmed a second time that the account is in my name and that I owed the balance. I contacted the cable company XX/XX/XXXX and was told that is not correct and that they account is not it my name for the service address and phone number the collection company was referring to. I think they just looked up and saw that I owned the property at that time and deceived me that I owed a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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:
XX/XX/XXXX should not be reporting to XX/XX/XXXX and Transunion that I am ( 30-60 ) days late on XX/XX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and I contacted XX/XX/XXXX to update my current address which XXXX did not follow through with. I immediately contacted XX/XX/XXXXagain when I discovered they had reported me late on this account. I was told by the representative at that time that if I paid the account in full that the lates would be removed. I have had a perfect payment history with XX/XX/XXXX. When the requested correction to my credit report still hadnt been made, I contacted XX/XX/XXXXagain and I was told by that representative that they could not remove the lates. This is not true. The previous representative conveyed to me that since the requested billing address change error had occurred on their end, that I would not be penalized and that the late would be removed. Additionally, the late payment occurred during a grace period they extended to me because I was moving. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well asXX/XX/XXXX to fix this however, I have not been successful.

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 2019-10-10
Company: EQUIFAX, INC.
State: GA
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 writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
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: Account status incorrect

Complaint:
XXXX/XXXX XXXX # XXXX I do not wish to open a dispute on this account, I would just like for the information linked to this account to be updated/corrected accordingly. Ive attached documentation to support my claim that this account should so no late marks. I submitted a goodwill letter to the original credit to have them adjust and remove the 30 day late payment. XXXX has successfully updated this account, but XXXX and XXXX  have not.

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 2020-10-28
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage loan XX/XX/2020 through Cornerstone Home Lending. At that time, a Loan Estimate was provided to me with a total amount of Title fees and services as {$1500.00}. A Settlement Service Providers List was provided at that time which listed one service provider, Independence Title, as the vendor the Lender would use should I choose not to select my own provider. I did not choose my own service provider for title services. 

Upon receiving my initial Closing Disclosure on XX/XX/2020, I noticed on page 2 of the disclosure that Title fees had increased to {$1800.00} and that the fees were incorrectly placed in Block C, the section designated for fees the consumer has chosen their own service provider for. I immediately notified the representative I was working with at Cornerstone of this and requested clarification. There had been no change in circumstance communicated to me from the time of my initial application to the time I received my initial Closing Disclosure that would warrant an increase in title fees. 

The Lender notified me that, because the name of the vendor listed on the Closing Disclosure was different than the vendor listed on the Settlement Service Providers List, they were, " not out of compliance '' ( see attached email from XXXX XXXX from XX/XX/2020 and from XXXX XXXX on the same date ). 

Although the lender elected to make me financially whole by issuing a general Lender Credit to cover the amount of the difference the fees had increased beyond the 10 % limit, I want to stress the importance of my primary concern. Please note the correspondence from the lender that I've provided acknowledges they were aware I did not choose my own service provider for title services. These fees were still listed in Block C of the Final Closing Disclosure, although the Lender acknowledged prior to closing that they were aware I did not choose my own service provider for title services.

It appears, based on the responses provided from the Lender in the previous email correspondence referenced, that Cornerstone Home Lending has built a process to circumvent TRID fee tolerance testing by listing one vendor on the Settlement Service Providers List in the initial disclosure package to a consumer and then choosing another provider on the consumer 's behalf and placing those fees in the section of the Closing Disclosure that is specifically for fees the consumer has chosen their own vendor for since those fees would not be subject to tolerance testing. This is both deceptive and not in the spirit of the intent of the regulation to protect the consumer from frivolous fee increases. This is appears to be systemic issue that must be resolved with an update to Cornerstone Home Lending 's general lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX / {$190.00} / XX/XX/XXXX XXXX XXXX / {$0.00} / 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 2019-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The credit bureaus are continuing to report fraudulent accounts in my credit reports as a result of identity theft while I was XXXX. They are : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2018-10-06
Company: Patient Accounting Service Center
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I contacted this company to pay over the phone but the representative would not allow me to do so. I then received a notification in the mail that I 30 days to pay a bill from a debt collection that I have been trying to pay for over 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-10-04
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
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:
I registered for XXXX  with XXXX they said that I wasnt cleared through fafsa so I have to pay out of pocket after I already was enrolled in classes. I dropped the classes DURING the add/drop period and I still received a debt collection with the cost of XXXX please dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: MD
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 violated my rights as a consumer regarding an open-end credit plan that is reporting late, this is unfair and very deceptive according to 15 USC 1666 ( b ).

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
As a follow-up to my earlier CFPB complaint asking that some of the disputed accounts reporting inaccurate information on my credit file be corrected, I am submitting this complaint. I have the right, in accordance with the Fair Credit Reporting Act 's provisions, to seek an examination into my credit file at no cost and to have any erroneous or deceptive information removed from it. Please fix the following accounts, or better still, erase them : XXXX XXXX XXXX Balance Owed : {$87.00} XXXX XXXXXXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$49.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX  XXXX XXXX Balance Owed : {$8000.00}. You've been telling me that these accounts are true, but you've never sent me any proof to back up your assertions. I expect that these accounts will be instantly rectified as soon as feasible without such crucial papers.

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 2021-11-09
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Both my husband and I received credit cards we didnt apply for from a company called Chime. Because its an internet based company I am forced to communicate only my email. After repeatedly asking if someone applied for the cards I was instructed to file an identity theft report and send a copy of my drivers license to get the information about the account. The information I received still does not explain whether the applicant used my social security number or any personal information, nor do I know if they did an inquiry on my credit bureau. Having to communicate by email means I have to wait 3 days between each if my inquiries and their responses. This company is clearly not using due diligence in the granting of credit, nor are they being responsive to fraud claims when it takes weeks to get basic information. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists

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 2021-08-19
Company: Experian Information Solutions Inc.
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX keeps calling my wife and children. We do not know the name of the company as when I try to speak to him he repeatedly says things too fast so I do not understand what he saying. Hes been told by my wife not to call her phone number of the children anymore. Hes been told by me not to call the children anymore or my wife. He is also calling other friends and relatives harassing me despite the fact I have spoken to him personally. The phone # is XXXX Hes also telling me I am being sued even though I have done research and found that there is no lawsuit against me right now. Hes making false threats.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good evening, I appreciate any assistance that the CFPB can please provide me with my mortgage lender. My issue is not with being able to make payments, rather, it is with Rocket Mortgage ( aka quicken loans ), unwillingness to communicate or produce documentation that clearly states changes to my account. In addition, they have refused to allow me to make applicable changes to my mortgage as I deem necessary. 

I closed on my condo in XX/XX/XXXX and throughout the entire process, rocket mortgage actively misrepresented my mortgage terms and deceived me about the activity on my account. As a result of their predatory business practices, deception, and misrepresentation, they had failed to pay my XXXX policy as previously agreed and stated that it was a " filing error { sic }. '' I have since removed this responsibility from them as it was optional. The application process presented an option to allow Rocket to submit this payment on my behalf. As a result, the original terms of my mortgage were falsified to account for bad data ( included XXXX payments that Rocket deliberately and intentionally failed to pay. 

When I inquired to rocket in XX/XX/XXXX, they finally admitted the " filing error '' and could not provide any reassurance that such errors would be presented in the future. Instead, I have received more deception. 

Within the past 90 days ( it is now XX/XX/XXXX ), I have still received no such credible acknowledgement or response to my inquiries. 

I had spoken with XXXX XXXX, XXXX XXXX, and two other " XXXX '' who refused to provide their last names. Neither employee would provide any other identifiable employee number to be used for external verification. 

These individuals have straight out deceived me to my face claiming to be managers, however, their titles are " Executive Servicing Resolution Specialist, '' which, after research, I have verified are 'customer support roles. ' When I was on the phone with deceptive manager XXXX XXXX XXXX ), they spoke down to me in a demeaning, harassive, and aggressively bullying manner. 

This issue has escalated to the point where I can no longer have a civil conversation with my mortgage lender and I can no longer even attempt to communicate with them. 

I required immediate assistance to speak with a professional member of management. 

At this point, I feel very physically threatened by the aforementioned individuals. I feel that my very life and livelihood is in imminent danger. I have been victimized by my mortgage lender for 9 months and this is completely unacceptable to me. This is harassment. 

Please reach out to me if you need any more information. 

I really appreciate any help that you can provide. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Experian Information Solutions Inc.
State: NJ
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 are inaccurate accounts and personal info on my credit report.

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 2020-10-28
Company: Experian Information Solutions Inc.
State: CO
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:
There are three problems that occurred : 1 ) My mortgage company, XXXX XXXX, changed the amount of my monthly payment without informing me. ( escrow related ) 2 ) It ends up my mortgage company changed the escrow amount because they took it upon themselves to contact my homeowners insurance company and pay my insurance even though that item was not in escrow. 

3 ) I didn't find out about the monthly payment change until 30 days AFTER the payment was due. They sent me a letter on XX/XX/XXXX which I did not receive until XX/XX/XXXX for the payment due on XX/XX/XXXX, at which point I immediately got on the phone and fixed the issue. I never missed or skipped a payment. Then the mortgage company had the nerve to report my payment has XXXX past due, which caused my credit score to drop by over XXXX points. It's outrageous.

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 2023-02-04
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation