BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I received a Closing Disclosure from Quicken Loans in XXXX with a closing date of XX/XX/2020. XX/XX/XXXX passed and we did not close until XX/XX/XXXX. My settlement agent said that it was Quicken 's fault for the delay, likely due to high volume of loans at a time of low interest rates. At closing, the origination fee was {$1700.00} higher than the original disclosure statement. It was after hours on XX/XX/XXXX when I signed, and no one was available to explain. 

When I did complain within my 3-day rescission period, Quicken "  slow-rolled '' me by delaying its response until after the rescission period passed. Then my loan officer conferred with his supervisor and agreed that our CD numbers had in fact changed. He referred me back to a XXXX number at Quicken where I eventually reached an executive team member who advised me that my rescission period expired the day before. 

On XX/XX/XXXX, the executive team member told me that he reviewed the facts and that they did not entitle me to relief because they were allowed to change the terms of my loan due to the XX/XX/XXXX closing ( lock-in ) date passing. My complaint is that if Quicken was going to fail to close on the date they selected ( XX/XX/2020 ), and then unilaterally change my loan conditions in order to to keep the same interest rate, they were required to tell me in advance in a NEW closing disclosure statement what the new terms of the loan were. It changed the CD by increasing our loan costs by {$1700.00}. 

In addition, my settlement agent reported difficulty with the processing team at Quicken, and said that she was told to " just put in the numbers the they told her, '' even though she was telling them they were wrong. 

To sum up, Quicken is a big company that couldn't close the loan on time, then raised my origination fee without telling me. Then the big company passed me off from phone tree to phone tree until my rescission period had passed, and afterwards denied me a {$1700.00} credit without explanation. It was dishonest, and what happened to us is exactly what closing disclosures are designed to prevent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: PR
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:
On XX/XX/2022 I contacted Equifax about the following negative accounts ( list the accounts ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CRED Technologies dba cred.ai
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
For one thing XXXX  card is not a conventional credit card by any means yet they are backed by the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX ) and yet, their emergency support line ( XXXX ) XXXX rarely resolves customer concerns in a prompt and timely manner. There is never a supervisor or manager when requested and to date, NO managerial staff ever contacted me back regardless of how many times i ask for one. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX therefore, they do not realize the gravity of an issue and the problem is compounded terribly. 

ON XX/XX/2022, I promptly disputed almost {$3000.00} in UNAUTHORIZED TRANSACTIONS made on my account due to my XXXX and wallet with all my bank and credit cards being stolen and as embarrassing as it was I provided further proof to XXXX via email that i was " unavoidably detained '' due to wrongful incarceration and went to further explain that my XXXX XXXX has been hacked. Their support staff REFUSED to update the new phone number or email and each time they send a confirmation email, it gets sent to the hacked email so the perpetrators were well informed of what i was doing to recover access to my accounts. I wasn't able to pay any outstanding bill since XXXX refused to issue even provisional credit while the investigation was ongoing. Due to their repeated refusal to credit back all the UNAUTHORIZED TRANSACTIONS, I have been forced to suffer late fees, penalties, and impacts to my credit history and still to date, they have not provided good reason WHY they are withholding my funds from my 2 govt. Direct deposits ; they refused to give me pertinent information so I could change my direct deposit to another bank and it was not until 5 days ago, I was able to finally access my account so i was able to transfer my XXXX direct deposit. Still, after an INSIRMOUNTABLE amount of phone requests and emails, they still REFUSE TO CREDIT {$3000.00} back to my account and I still have not received any email responses to any escalations to my complaint to their emergency support phone line. I have been forced into eviction because of these missing funds which they still refuse to credit 30 days later. They have terrible fraud protection measures and lousy customer service - false advertisement at best. I EXPECT my funds today or an explanation from their executives WHY they can keep my money. 

Their dispute department is non-existent and has given me NO REASON AT ALL WHY my money has not been refunded. I even told them a police report has been filed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Was Part Of Divorce Decree On XX/XX/2021 Decree # XXXXXXXX XXXX It is not my financial Obligation Anymore, as it belonged to my Ex Spouse. I was Relieved from my debt by a court order, Ordered by A Judge XXXX XXXX In A XXXX, Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX : XXXX XXXX Account # XXXX XXXX : XXXX XXXX Account # XXXX Equifax : XXXX XXXX Account XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: CITIBANK, N.A.
State: IL
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:
INQUIRY FROM THIS COMPANY ON MY CREDIT REPORT, THAT WAS NOT AUTHORIZED! 

THD/CBNA Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, SD XXXX By Mail Only

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 2021-06-04
Company: CITIBANK, N.A.
State: NY
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:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BEST BUY/CBNA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft MACYSDSNB  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX  Account Number : XXXX This is not mine.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Trans union shared my information and others borrows and third party companies aboand they emailed me threatening to damage my credit and not its 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 2022-04-14
Company: EQUIFAX, 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 there a accounts attached that have violated my rights.

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

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My credit report is still showing old XXXX debt that was in collections. Four different accounts are still listed and each account is under {$500.00}. Per the new law, XX/XX/2023 this should be removed. Their DISPUTE department has been continually down and they are unable to address.

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 2021-08-30
Company: EQUIFAX, INC.
State: OH
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:
I XXXX XXXX the consumer and natural person has disputed these accounts you are reporting on my consumer report. You can't validate a debt because I am the original credit and only I can validate an alleged debt. According to 15 usc 1602 ( g ) I am the original creditor. You do not have the authority to validate a debt according to Congress. You have violated my consumer rights. I also have a right to privacy which you have violated every aspect of my right granted to me. I am a Natural Person of Heaven and my rights are given to me by God himself. I am demanding a thorough investigation and I want all the accounts listed deleted from my consumer report. I also plan to report you to the XXXX  and Attorney General. I also plan on contacting the media and letting them know how my consumer rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am the victim of identity theft. On XX/XX/XXXX, I discovered a XXXX " collections '' entry on my XXXX credit report that was not mine. On XX/XX/XXXX, I called Pinnacle/ XXXX XXXX and spoke with " XXXX , '' who confirmed that the name of the person who stole my identity was attached to the collections account ( not my name ). " XXXX '' told me to submit a faxed dispute to XXXX XXXX XXXX. 

I submitted a faxed dispute to Pinnacle/ XXXX XXXX on XX/XX/XXXX. However, I received no response to my dispute from Pinnacle/XXXX. So on XX/XX/XXXX, I called Pinnacle/XXXX again ( speaking with " XXXX '' at ext. XXXX ) to confirm that Pinnacle had stopped reporting the erroneous collections entry to XXXX. XXXX confirmed that, XX/XX/XXXX, Pinnacle had stopped reporting the erroneous entry, and he mentioned that the collections account had been closed due to the fraud. 

On XX/XX/XXXX, I obtained a copy of my current XXXX credit report, and discovered that **the Pinnacle collections entry was still showing on my XXXX credit report, XXXX months after Pinnacle supposedly stopped reporting it and closed the subject account due to fraud. **Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a debt collector may not report a debt to a Consumer Reporting Agency ( CRA ) ( such as, in this case, XXXX ) if the debt has been disputed, and has not been verified within thirty days of the consumer 's initial notice of dispute. 

Pinnacle/ XXXX has failed to provide me any verification of the subject debt more than six months after I first notified Pinnacle of a dispute ; and indeed, earlier this month, Pinnacle assured me that the account had been closed due to the fraud. 

As such, Pinnacle is in standing violation of the FDCPA and the FCPA by continuing to report this inaccurate information to XXXX and the other CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Progressive Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Progressive financial has not contacted me in anyway to discuss a collection on my credit report. I have not received any mail or phone calls from this company. I do not have a contract with Progressive financial and they continue to place a negative report on my credit reports.

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 2015-07-13
Company: Exeter Finance Corp.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am financing a vehicle through Exeter Finance Corp., the loan started XXXX @ XXXX a month for 6 years i financed XXXX for a XX/XX/XXXX XXXX XXXX, i noticed the balance was not going down after XXXX XXXX yrs of payments so when i started to inquire on why that is, in a course of approx 2 months i was told because i pay late they are charging a daily interest rate which is why the principal is not being applied, there is a late fee of 5 % interest on the contract and that is all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: IQOR US INC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a new phone number ( XXXX ) and apparently, the person that had the phone number before me owed a debt to " Allied Interstate ''. Allied Interstate called my phone and asked for this other person. I told them they had the wrong number. They asked if I knew this person and I said no, this is a new number and phone for me. I do not know this person. The caller from Allied Interstate proceeded to yell and scream at me, call me names and harass me saying that I was trying to run from this debt! I just hung up ... She called right back! I have no way to block this number, they are calling the wrong person and can continue to call and scream at me whenever they want ... This HAS to be illegal? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent a direct dispute via certified mail to the credit reporting agencies, XXXX EQUIFAX AND XXXX on XX/XX/2021 and XX/XX/2021. According to XXXX XXXX XXXX each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. As the direct dispute ive submitted you can see that the furnishing companies are not reporting accurate information. XXXX XXXX XXXX ( XXXX ) states that any information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity should be investigated ... .. considering it has been well over XXXX  days, now XXXX  days and the credit reporting agencies aren't looking into the matter, I demand the items to be updated on my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Please see attachment : This is 1 of many accounts that you have verified. How? If you look at the attachments below you will see that this account is unverifiable and you are XXXX XXXX XXXX I have been trying for almost 3 months to get this account verified and validated. Remove this account from my reports

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 2021-11-22
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: Their investigation did not fix an error on your report

Complaint:
Good Afternoon, On XX/XX/2021, I submitted a complaint to Equifax detailing that I had closed my XXXX XXXX account, in which I provided official documentation from XXXX XXXX to the XXXX verifying that my account had indeed been closed, as sufficient proof of this occurrence, and that my credit report was reflecting incorrectly. Equifax then stated they were launching an investigation, and then closed out the investigation without updating any information. Since I provided verifiable information, Equifax blatantly violated the XXXX, by not conducting a valid investigation, and I would like for the XXXX to hold them accountable, preferably with large fines. I am submitting a second XXXX complaint, to document a direct violation of the XXXX  by Equifax, and am asking to have an actual person review the documentation presented, as it appears they did not review any of the documentation provided in the prior complaint. Should Equifax continue down it's current path, they will face a lawsuit for violating the XXXX  under XXXX XXXX. XXXX ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: The Receivable Management Services LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has consistently charged false invoices to my account for over a year, since XX/XX/XXXX, totaling hundreds of dollars. I did not send the packages for which they have charged me. I have no knowledge of them whatsoever. From googling, this appears to be some sort of common thing for XXXX. 

On multiple occasions, I have called XXXX to dispute these charges ( since their website automatically declines a dispute the instant you submit it ), spending hours on the phone with a call center. In a number of instances, they simply removed the charges and promised it would not happen again. But it did. After several calls, I finally asked them to cancel the account, which they confirm they did on XX/XX/XXXX. Nevertheless, in the months since, they have sent numerous additional false invoices, which I ignored based on comments from XXXX to do so. 

But on XX/XX/XXXX, a debt collector from RMS, contacted me about the outstanding charges for hundreds of dollars. I explained the situation to her, and she also confirmed that her file showed my XXXX account had been cancelled on XX/XX/XXXX -- before any of the invoices she was attempting to collect payment for had been issued. She instructed me to again contact XXXX and then get back to her. I have done so twice. Both time with promises from XXXX that their " back of house '' will zero out the charges and make sure my account is actually closed and no longer result in false charges. 

So, far nothing. No confirmation. No removal of charges. The false invoices are still shown as past due. The debt collection is still hanging over me. 

In light of these circumstances, XXXX is committing fraud and knowingly harming my credit, despite multiple acknowledgements by them that these charges are not actually owed by me. I am wasting hours and hours of my life trying to politely get them to leave me alone. 

The problem here is primarily one from XXXX, but RMS should not be attempting to collect debts when their file shows that the account was cancelled before the debts were supposedly incurred. There is no good faith basis to attempt to collect debts that are facially absurd.

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 2021-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit ( an increase in my credit line ) by CAPITAL ONE BANK d/b/a CAPITAL ONE. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by CAPITAL ONE BANK d/b/a CAPITAL ONE on several occasions ; XX/XX/2021, XX/XX/2021, and XX/XX/2021 via email and notification through my Capital One mobile app. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONE BANK d/b/a CAPITAL ONE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). CAPITAL ONE BANK d/b/a CAPITAL ONE is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation