BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-22
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been looking for a mortgage to purchase a home. Quicken Loans is relentless and forceful in the way they try to contact and make you get a loan through them. I have received > XXXX calls in the past few weeks and have had to block all the numbers they call from, and also told them to take me off their list. When i did answer, they gave no time to explain what i wanted or that i had already selected a loan from another lender. They pushed to to a loan officer and they still did not give me any time to just say " no '', that i did n't want a mortgage. After talking to someone i had no intention to for over an hour, they said they would do anything to beat my current rate. They gave me XXXX of a percentage point less of a rate, but with XXXX mortgage/discount points. When they proposed the deal, they had only told me that it would be a lower closing costs and lower interest rate, they never told me the discount points used to get the deal. I told them to email me the offer and i would look it over. When i said this, the loan officer said he wanted me to close it that day, without looking over the deal. This method is forceful, dubious, and should be illegal. They are trying to force anyone with any decency into a loan that is not the best option for the borrower, just for themselves. After looking at the deals and talking to other advisers, I found that the deal they had offered which they claimed was " better '' was basically screwing me over to get the loan. 

Long story short : Quicken Loans is a forceful, deceitful, company not looking out for the customers best interest when making life changing decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Avant Credit Corporation
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from The Avant Family on XX/XX/XXXX in which I had called because it stated I owed XXXX that was funded to me on XX/XX/XXXX. I had no idea what this was and had not taken any loans out. When I called they told me it was an online loan, they asked me for many things that I did not give to them, social security number, address, birthdate, and email address. I told Avant they sent me the letter they should have my address and I gave them the account number that was on the letter and that was all. I then asked them what email was associated with this loan that I did not take out? they told me they could not give that information to me. I figured at this point it was just a scam. In XXXX of XXXX I was in the middle of purchasing a building and the bank found I had profit loss on my account from Avant in the amount of {$14000.00}. I contacted XXXX XXXX and XXXX  to dispute this as it is not my debt and I had near perfect credit prior to this being on there. I got back from all three the same answer that it Remains and that it is accurate. I don't see how this is possible as I never took this loan out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my payments due to XXXX sps approved me for a forbearance and when the plan was over I asked for a deferment. I am under review for the deferment but they just placed a notice of sale on my home for XX/XX/2022 even though Im under review for loss mitigation assistance, and they did not file a new Notice of default. 
I just want to start making payments on my home please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: VA
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 recently disputed the following accounts but all three credit reporting agencies closed the investigation and said the following info was accurate when in fact it was identity theft. I attached the companies response below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions 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 was XXXX due to XXXX from XX/XX/XXXX to XXXX XXXX. 
on XX/XX/XXXX my wife called XXXX XXXX to notify them of my XXXX and ask for an extension or forbearance for the upcoming payment which was due between She was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the XXXX day late deleted from 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 2022-08-05
Company: Tate and Kirlin Assoc
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Tat and Kirlin is trying collect some mysterious debt from XXXX  that I do recognize. 

Not only is this long beyond the statute of limitations, if this company is not fraudulent, is most likely due to the XXXX identity theft scandal from the early XXXX. 

They said I contacted them therefore I acknowledged the debt was real.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being charge from convergent outrsourcing in the total of {$2500.00}. I have a fraud alert on my report and a police report on file

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 2021-12-09
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My Venmo account was deactivated for no good reason. I thoroughly read through the terms of service and user agreement, and I never violated them. I made a new account and was paid {$50.00} by a friend, and when I tried to recover my funds, Venmo froze my account and would not let me retrieve my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is against XXXX XXXX XXXX which started back in 2016 in which they placed a {$2500.00} charge on me and my sons credit and we have both filed several complaints to the credit agencies with no results and I actually filed a complaint with the XXXX and they never responded to this agencies request. So we found they are claiming that we left the apartment without proper notice and that we trashed the place as well. We gave them advanced notice and we didn't leave the place in a mess. The apartment that I moved into after leaving XXXX XXXX called them to verify that I was in good standing before signing my contract. Southern Management services was hired to collect the debt all they did was just place this account on both our credit reports but both parties avoided the XXXX and did not respond. We are just trying to get this resolved because it has been over XXXX and a half years on our credit history so I hope that you can help us with our problems.. also they are only going to send you what they want you to see because we know that they are hiding something and they have been very nasty with us for all these years for up to just asking a question..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 90 days in the months of XXXX, XXXX, XXXX, nor XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: GA
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 REQUESTED YOU PROVIDE ME WITH A PROOF OF THIS ALLEGED PAYMENT BEING LATE .IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE .UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE ( PAANL ) PLEASE PROVIDE DETAILED DESCRIPTION OF ALL PROCEDURE USED IN PROCESS TO DETERMINE ACCURACY OF INFORMATION REPORTED I HAVE REQUESTED TO ALL THE CREDIT BUREAU ABOUT THE LATE PAYMENT ON MY CREDIT HISTORY TO PROVE. I HAVE NOT GET ANY REPLIED. SO I REQUEST ON MY CREDIT TO BE REMOVED ALL LATE PAYMENTS.

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 2021-07-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, consumer.ftc.gov put out an announcement that consumers are entitled to " FREE weekly credit reports during COVID extended until XX/XX/XXXX ''. I ordered a free credit report from EQuifax on or around XX/XX/XXXX. Yet Equifax denied me my free credit report in a letter dated XX/XX/XXXX stating that I already received my free report within the past 12 months, which is a clear violation of the COVID-19 mandate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Genesis FS Card Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was appointed fiduciary conservator for my mother who has XXXX. One of the requirements of this appointment was to close her credit card account. I met with Chase Bank at a local branch and provided them with a certified copy of the court documents and my power of attorney documents. These were forwarded to the Chase Bank legal department. I then contacted the Chase Credit Card Department and explained the situation and asked for the account to be closed. This was done and I remitted the outstanding balance via check. Several weeks later I observed my Mother using the credit card. I called Chase again to see what had happened. They said my Mother called them and asked to have the account reopened, which Chase did. I explained that I was Court appointed Fiduciary and the account was to have been closed permanently. Chase said they had no record of the document. They would close the account again but if my mother called in again they would reopen it. I explain that my Mother had no means to pay the bill when due because she had no money and no bank accounts. They then told me that the account was on autopay from a Wells Fargo account. I told them that that account had been closed and they would not get paid from it when due. The customer service rep and her supervisor did not care. They did not ask for a copy of the court documents. The supervisor actually said that if my Mother was sound of mind enough to call in then she must be fine with the credit card. Both individuals i spoke with were giving me advice on how to deal with my Mother and XXXX, which was unbelievable. I feel like Chase was fine with not getting paid so that the account would be charged with late fees and a high rate of interest. One reason the Court wanted this account closed was because my XXXX year old Mother was threatening to buy a plane ticket and leave the state. If this were to occur because of her access to a credit card this would be a huge problem and I would hold Chase Bank responsible. This phone conversation with Chase was on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX never sent me a letter regarding alleged debt. This VIOLATES the FDCPA. They fictitiously reported to credit bureaus that I owed XXXX dollars to a business named XXXX XXXX XXXX. Once again, this violates the FDCPA. I have never done business with XXXX XXXX XXXX nor applied for a loan with them. I contacted credit bureaus and disputed. XXXX and XXXX are no longer reporting this fictitious account. TransUnion continues to report because XXXX XXXX XXXX continues to report this fictitious account to them. This is another violation of the FDCPA. This is nothing more than an attempt to extort money. Furthermore, payday loans have been illegal in the State of Arizona since XXXX XXXX, 2010 according to the Arizona Attorney General.

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 2022-05-02
Company: Colony Brands, Inc.
State: AZ
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:
Received a bill for {$210.00}. Apparently someone has purchased a bunch of perfume under my name. It was not me. I called the company and they said I need to file a fraud complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: DE
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:
Late payment isn't late. Company made error in reporting payment late. Payment was not late. XXXX payment isn't 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 2021-07-21
Company: DriveTime
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:
XXXX Contact info XXXX XXXX XXXX XXXXXXXX, IN XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DT CREDIT Auto Financing Companies Contact info XXXX XXXX XXXX XXXX, AZ XXXX To whom it may concern : I have been contacted by your company about a debt you allege I owe.

I am instructing you not to contact me any further in connection with this debt.

Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. 
Enclosed will be a copy of my police report pertaining to the item supporting my position.

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 2017-11-03
Company: SYNCHRONY FINANCIAL
State: GA
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:
Walmart rejected a credit application several months ago. I received a prequalified certificate in the mail in XXXX. I called on XXXX XXXX and asked would an additional credit report be ran and the representative said no. Based on that answer I accepted the offer. 

The application was again rejected and an inquiry was made to reduce my score.

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 2017-10-22
Company: Experian Information Solutions Inc.
State: NC
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 ask the credit reports to remove the nigtive items, they 'll response is no, after I paid them in full, I and the credit collection agreement is if I paid them in full they will removed them in 30 days. 
Out my credit files. 
XXXX XXXX credit card confirmation number XXXX was paid XX/XX/XXXX Amount {$450.00} I spoke to ms XXXX XXXX ext XXXX I filed in errors numerous times with all XXXX credit reports asking them why is steal showing this account in my credit reports there 's response is colctoin.

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 2019-01-15
Company: Nelnet, 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: Account information incorrect

Complaint:
I dispute XXXX  of XXXX/Nelnet account for payment history. The payment history is incorrect for XXXX of XXXX/Nelnet account. I am requesting that this item is deleted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
XXXX, and for that matter XXXX and XXXX and XXXX, continue to " report '' on my credit two debts that by their own admission are more than 7 years old. Discover card alleges a fraudulent debt that isn't mine, but admits that the delinquency occurred and was first reported in XXXX of XXXX. Similarly, XXXX XXXX admits that a XX/XX/XXXX delinquency reported in that month is still on my credit. The LAW is that seven years from a delinquency, if the account is never again current is the MOST that an item can appear on your credit, period. Yet, XXXX reports that these items will be on my report until XXXX and XXXX, which are more like 8 or 9 years ( see attachments ). These items must come off now. I attach my own XXXX credit report showing that, as a matter of law, these two debts, which are fraudulent to begin with, are totally and completely as a matter of law over 7 years old and must be removed. Seven years from XXXX of XXXX is long past. 
Note the circled areas on the attachments to this complaint -- there is no doubt these items should have been removed in XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Navient Solutions, LLC.
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:
Navient is stating I have a 90 day late payment from XXXX of XXXX. In XXXX of XXXX I filed a deferment. I also informed navient that XXXX XXXX XXXX XXXX XXXX and that I wanted to make sure that my account was in good standing before I was going out on XXXX XXXX. Ambient told me I qualified for the income driven program and that I my bank ace a month with be XXXX. I also was informed that I would not have to make another payment until XXXX. I filled and completed the application for the income driven plan and faxed it to the Navient. Upon checking my credit report I was o formed that I was 90 days late. Every month was on time but XXXX of XXXX. I asked to have it the late payment disputed through Navient, XXXX, XXXX and XXXX for reporting in correct information. I also reached out to XXXX and XXXX law to have the late payment disputed off my credit report.

Company response to consumer: Closed with explanation