BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my home loan with Quicken loans. I never received my payment coupon. The first payment was due on XX/XX/2020. All of my paperwork was through Quicken loans. They failed to successful send me either via email or by XXXX XXXX payment coupons. I latter found out they had changed their name to Rocket Mortgage. My email server did not recognize this address as my loan had been done through Quicken XXXX. Finally on XX/XX/2020 I received a late notification again from Quicken Loans. I immediately went on line and made the payment and an additional payment. Quicken  reported my late payment, which was my first payment on a new loan destroyed my credit score which has made it impossible to get a loan. As a physician during the Covid-19 crisis this will endanger my ability to practice and make my payroll.

My mortgage banker appealed to Quicken and I have also appealed to Quicken to reverse this derogatory remark on my credit. It was caused by an issue with communication between the lender and me. With my prior loan I never had this issue and I incorrectly believed that I had a 90 day grace period to start the first payment. My assumption was that I would either get a written or email confirmation of how to establish payments with Quicken. In addition they changed the name from Quicken to Rocket mortgage. I have talked to another person who had this exact same issue happen to them. I feel that this is unfair at a minium and fraudulant. I have referred this to a real estate attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a victim of identity theft. I have previously disputed these accounts opened in my name without my authorization. I have previously supplied Regions Bank through the CFPB website a copy of my lease showing that I did not live at the address used to open these accounts. These accounts were opened online due to fraud. Regions requested I send in a copy of the FTC Fraud Affidavit I have on file. I have attached a copy of that as well as correspondence between other financial institutions that have researched this identity theft and found it to be valid. I encourage Regions to reach out to the other banks to verify their investigations found I was not liable for these accounts as they were not opened by 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 2020-01-03
Company: AES/PHEAA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Fedloan Servicing 's website is what could only be considered intentionally confusing, I dont know how someone could design a website this poorly. All I want to do is determine what loan repayment plan I am on so that I can plan my repayment. I have been logged in to my account with them for over an hour clicking around trying to find a page with the above information. This should be the first thing that appears under account summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Despite many attempts to communicate with lender ( via phone and mail ) I'm under impression that I'm a victim of predatory loan practices. For example : Payments continuously applied towards suspense to avoid correct principal applications. 
I was requesting account audit - no response. 
Communication with lender are pointless they are not fulfilled. It seams like customer service is to aggravate and in no way to help. It discourage you to communicate. 
Creating escrows where Lender is breaching a mortgage note. 
Mislead ( requiring flood insurance costing in excess of XXXX which was not required as determined by FEMA ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern, I was looking through my credit report the other day on XX/XX/XXXX. I noticed there was 2 inaccurate hard inquiry 's on my file. On XX/XX/XXXX I called each company to see if I had an account with them in anyway they both said no so I asked them why it's there and there customer service reps were basically saying it should be removed however due to corona virus there is nothing we can do at this time. These are the 2 that i never authorized, never gave anyone any permission and is clearly 100 % fraud XXXX hard inquiry from XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX they could not provide any proof that I have any such accounts with them. I asked to see proof nothing was given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Details : I had a CAPITAL ONE SAKS FIFTH CREDIT CARD Circumstance : Due to XXXX, I was sick and had complications arising from this ( XXXX  ) I had 4 late payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. There was a global pandemic, My mail was effected pandemic which caused my mail not to reach within the allotted 21 day window creditors are given to send out invoices to its consumers. I have had this account since XXXX. I am current. First Attempt : I tried stating that due to this and The CARES Act protections for consumers with late fees to remove them as this is hurting my credit more than anything. Additionally, according to " Legal Exemptions : 15 USC 1681a - 2 ( a ) ( i ) ( 2 ) Exclusions. " Except as provided in paragraph ( XXXX ), the term consumer report does not include - report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Since a late fee is an experience, it is not even legal according to Congress. I do not owe Capital One any money, so for multiple reasons this should be removed. However I don't think they got the message as it was done online. Second Attempt : In XXXX I spoke with Capital One via phone and they said they would remove them, but their system wouldn't allow it. They assured me I would be enrolled in a covid program they had in place. These late payments are hurting me so bad I can't get another credit card, car or house. Why was I exempt from the programs that are/ were in place due to the pandemic. The unfairness and disrespect is unacceptable and I would like a favorable resolution to my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
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: Account status incorrect

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE SEVERAL ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THE BELOW ACCOUNTS, SO PLEASE AMEND THE PAYMENT HISTORY TO PAID AS AGREED/NEVER LATE

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 2017-03-20
Company: STONEGATE MORTGAGE CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have requested my mortgage company, Stonegate Mortgage, terminate my PMI multiple times as we are below the 78 % LTV that is required. 
Everytime I call, they tell me they will the next month and it does n't happen. 
We hit 78 % LTV in XXXX 2017.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-03
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the accounts listed below. 

Also, the creditor of this account, which is XXXX  XXXX XXXX confirmed that they do not have any physical proof, a signed document with my signature on the account. 

Not only that, they also confirmed that my SSN was added to the account only in XX/XX/2019, which is IMPOSSIBLE as I have been disputing the account for over 1 year and XXXX XXXX XXXX did not have even my SSN in records at the time of the application, which again, could have been ANYONE who applied in my name online. 

Also, as of today XXXX updated my credit report as well and has taken off my credit report the above mentioned account. Please see proof attached!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open BMO Elite Business Checking Account for my business following an online promotion : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX All the information was provided and all the documents about Business ( State of Texas certificate of formation and IRS EIN number allotment certificate ) had been uploaded. Next day I got this email : Hi XXXX, Youve started an application for a BMO Elite Business Checking Account for XXXX XXXX XXXX XXXX. 
To consider your application complete, the following items need to be uploaded for review. Please show us your most recent : - Business Registration Documents I called the following phone numbers : XXXX. 

Transferred around 4 times and then call getting disconnected after 1.5 hours. 

Then i called XXXX where I am being told that they can't get handle of my application even when I provide the reference # XXXX. I also sent an email to XXXX. I just wanted to know : What is missing or wrong? 

But more than 2 hours on the phone, nobody could provide that information. Called XXXX XXXX Central time and done around XXXX XXXX. 

There is no local branch where I can go. 
Phone banking wants to start this process all over again- which is significant waste of time to spell everything and I won't be getting the promotion. 

Sent messages to XXXX handle - same frustrating experience. 
It seems BMO harris has hired some really XXXX  people and left hand doesn't know what right hand is doing? 
Business customers like me want to open the account but very vague messages are being sent with no human touch which is very confusing and not at all helpful.

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 2021-10-04
Company: EQUIFAX, INC.
State: MD
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:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX | DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: American Financial Network Inc.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For several months, I worked with XXXX XXXX, a loan officer for the American Financial Network. He pulled my credit 4 times, got me pre approved for an FHA loan and gave me some advice on how to increase my credit score. In the end, I could not be approved because I had a federal student loan that was in default. This was a fact that he should have known in the beginning, when I explained to him that I was in default and would be for 9 more months. He pushed anyway, telling me that the federal loan default would not prevent me from getting a federal loan. By the time that the loan was rejected because of the student loan defaults, XXXX supposedly ran a credit simulator and instructed me to call several creditors with debts I had paid off and have them removed from my credit report. At my time and expense, I did, and was rewarded with a 105 average drop in points on my credit scores, due to having less credit accounts and length, and to the many inquiries. After talking to all 3 credit agencies, at even more expense to get counseling on why my credit score dropped so drastically, I was instructed that the only thing I could possibly do was to get some of my inquiries removed. I contacted XXXX, he apologized profusely for not realizing his error with the student loan default before wasting 7 months of my time house searching and all, and agreed to seek deletion of my inquiries that he made. We had a conference call with an agent of the credit pulling company they use, and she instructed him to write a letter, which I would submit to the agencies, and the agencies would contact her to get the deletions done. He wrote the letter and sent it to me, however, he was mistaken, again, this time about how many inquiries were made. The letter he sent me reflects to delete XXXX inquiries, however, there were XXXX. XXXX XXXX no longer works for AFN. I was forwarded to a XXXX XXXX, where I explained the damage done to my credit by XXXX. XXXX said that he would not help me with a letter deleting the inquiries made in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE INQUIRIES AND I ALSO HAVE NO IDEA HOW THEY GOT ON MY CREDIT. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2019. Covington credit has called my job twice and was told not to call my job and the young last I spoke with was XXXX. They are pretending to be collection agency and when I told her not to call my job she said she wouldnt have to if I answered my phone. The amount was XXXX I believe. I told them several times that I will pay them when I get my money in order and didnt give them a time table.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but their inaccurate information could cost me in higher interest rates and I have enough expenses as it is. I been sending to the bureau disputing letters numerous times I have green receipts proof from post Office of delivered my letters but Bureau has neglected my request. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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

15 U.S.C SECTION 1681 SECTION 604 A SECTION 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions ( consent ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
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 i believe XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Earnest Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A few years back I moved my federal student loan to a private loan through a company called Earnest ( owned by XXXX ). During the process I feel that the company didn't make it clear that my loan would no longer be federal. So I lost any federal forgiveness incentives and even during the pandemic my loans are accruing interest. This is highly unfair to me as a borrower that information was not presented clearly.

Company response to consumer: Closed with explanation