BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing this email to submit a formal complaint about my experience DHI Mortgage employee, XXXX XXXX XXXX, XXXX ID # XXXX. I have been working with him since XXXX of XXXX once I submitted my offer for my new construction home. 

I uploaded all of my final required documents in XX/XX/XXXX. XXXX contacted me on XX/XX/XXXX to inquire if I wanted to now lock in my rate at 4.875 %. When asked why has he contacted me now on XX/XX/XXXX to lock in my rates while they are now extremely high and not back in XXXX when I submitted all of my documents, his response was " well I can't control the rate increases and I can not control the completion date of the home ''. I informed him that I am well aware that he can not control those items, my concern is why is he now contacting me to lock in my rate after they have increased significantly but not back in XXXX after he received every document that was requested from me. He then responded " It was too early to lock in the rate back in XXXX and I told you in XXXX that the rates were not locked ''. I responded once again, that I understand XXXX was too early and I am aware that the rate was not locked back in XXXX but I wanted to know why this option was not presented to be back in XXXX after all of my documents were submitted. He could not provide me with a logical answer instead he kept repeating that it was too early back in XXXX to lock in the rates. So I asked why was it too early then but not too early now knowing that my home is still not completed? He could not provide me with a response. 

I am extremely frustrated knowing that because this agent dropped the ball and failed to disclose to me back in XXXX that I had the option of locking in my rate for 60 to 90 days as he mentioned on the call on XX/XX/XXXX, that I went from 3.25 % back in XXXX to 4.875 % now. I am referencing the XXXX rate because I did not hear from him in XXXX or XXXX to know what the rates were at that time. 

I emailed a written complaint about this agent 's action to the branch manager as well as well a written complaint to the builder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was a co-signer on an auto loan purchased XX/XX/XXXX and financed through XXXX XXXX XXXX. Shortly afterwards XX/XX/XXXX Tropical Storm XXXX came through XXXX and flooded the vehicle. The owner was paying the car note but failed to maintain full coverage insurance on the vehicle because it was not being driven and he was going through a temporary hardship, however the car note never failed to be paid. Unfortunately the vehicle was flood during this catastrophic flooding that affected the entire XXXX area and with no insurance the vehicle was picked up by XXXX XXXX XXXX and sold. Years past and that vehicle sat on my credit report for 7 years. XX/XX/XXXX I had a hardship and I filed for Chapter XXXX Bankruptcy when I started my bankruptcy this was not listed on my original credit report pulled by my attorney, therefore it was not listed under my secured payments to be made, however I have just found out that after 10 years this collection company Cavalry Portfolio Services LLC purchased the debt from XXXX XXXX XXXX submitted a claim against my bankruptcy and has been receiving payments. From my understanding as a Co-Signer on the original loan they should not be attempting to collect in my bankruptcy Chapter XXXX. Also this non government collection is over 15 years old. I have called the collection agency and no one will speak to me or assist me in answering my questions. I get attitudes from management and they talk to me as if I ca n't do anything about this and then they hang the phone up in my face. I have heard chuckles in the background when I call as if I am a joke and who cares. I need help please. I wholeheartedly believe based on all the rules and laws I have read about my bankruptcy this company has broken the law. They have missed the statue of limitation for suit, why is it that they can claim against my bankruptcy after so many years and still remain on my credit report. Even the attachment I have included stated that they will not report to credit agencies however they are reporting to Credit Bureaus ... ... .Please, Please Help Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted this creditor on their secure login site and asked what a XXXX debt was about as i found it on my credit report. i requested complete verification of the debt to be mailed to me. A week later it no longer showed on my credit report. 
Now I check again and it lists a new debt, with a Open date as of XX/XX/2016. This is around the time i disputed it. This is completely fraudulent. 

It is for XXXX and I have not been to any doctor in YEARS!. 

This new " collection '' brought down my credit rating and fico score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection account posted on my credit from an account I've never had. Portfolio recovery has been contacted and asked to verify the debit and refuse to do so. 

Portfolio Recovery Associates XX/XX/2020 {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
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: Information belongs to someone else

Complaint:
I am a victim of identity theft, I have provided proof of such to all 3 credit reporting agencies as well as XXXX XXXX. At on point I had three different collection agencies all trying to collect the same debt for XXXX XXXX, and its not even mine!! This account was removed from my credit once but is now back on it!! I have taken every step required of me to settle this yet it still keeps popping back up! What AM i SUPPOSED TO DO? This keeps reapperaing and doing damage to my credit that I'm trying to rebuild after the ID theft. Please help!

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 2016-12-08
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I paid off my medical collection, what I got because some person in medical ofgice did mistake. I got the bill. I cslled up to original collector, find out more about this bill. Lady at ofgice, said, sorry it was mistake, you are fine. Font have to pay anything. 
So I did not. 
After months I got letter from collection company! 
Iagreed pay. What I did, they promised re.ove the collection from report, and it not really happened. They removed it from XXXX but not from all credit analysis companies. 
I called again, no answer, they never called back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: Southwest Recovery Services, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Recovery Service posted a claim of {$140.00} for a medical bill against me but when I called them they realized their debt was with a XXXX XXXX XXXX in XXXX TX XXXX XXXX XXXX in XXXX. I asked them to remove this and they said they would. That was over 2 months ago. This derogatory is still negatively affecting my credit score. I want it fixed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
We moved to a new address after building a home. XXXX added our new address over the phone after confirming identity. XXXX added the new address after receiving written correspondence with a copy of our drivers licenses and a utility bill with the new address. The same written request and documentation was provided to Equifax. In response, they sent correspondence on XXXX XXXX saying they had to have a drivers license or utility bill ( they had already received that ) and copies of our full SS # s in the mail to add/change the address. I would not mail a XXXX or copy of our SS cards to anyone since that could easily be intercepted. I called the same day to tell them that and asked them to change the address. As part of the call, I had to input my full SS # into the phone, so they knew my identity. The representative refused to add/change the address without receiving the full SS number in the mail. Perhaps you can reason with them and make them realize what an unsafe and unrealistic mail request this is, especially since the other XXXX credit bureaus are smart enough not to endanger their customers personal identity information. Our address has been changed everywhere else and needs to be correct on all XXXX of our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
ON MY TRANS UNION CREDIT REPORT I HAVE DISPUTED XXXX FOR A COUPLE OF MONTHS. ON MY CREDIT REPORT FILE THAT I HAVE INCLUDED IT SHOWS ON COUPLE OF CREDIT FILE NUMBER I AM MISSING MY LAST PAYMENT DATES. ON SOME I AM MISSING THE TRADELINE ON WHEN THE ACCOUNT WAS OPEN WHICH IT SHOULD SAY OKEY AS PAY AS AGREE FOR XXXX. THE LOAN PERIOD IS FOR 66 MONTHS. I HAVE MADE PAYMENTS FOR XXXX OF 2016, XXXX OF 2016, XXXX OF 2016 XXXX OF 2016 AND XXXX OF 2016. ON MY CREDIT REPORTS IT BOUNCES FROM MISSING XXXX PAYMENTS TO MISSING XXXX PAYMENTS. I HAVE DISPUTED THIS WITH THE CREDITOR XXXX AND THEY STATE THEY UPDATED MY CREDIT FILE. THEY HAVE PAYMENTS TO SHOW THAT I HAVE MADE FOR THE MONTHS IN QUESTION. THE BALANCE ON THE ACCOUNT IS WRONG. AS YOU SEE ON THE CREDIT FILE THE BALANCE GOES BACK IN FORTH. THE BALANCE THE CREDIT SENT ME IS ACCURATE. I WOULD LIKE TO HAVE THIS ACCOUNT UPDATED. SHOWING MY PAYMENTS CORRECTLY. MY XXXX THAT WHEN THE ACCOUNT WAS FIRST REPORTED AS PAY As agree ALSO MY XXXX XXXX XXXX XXXX AND XXXX PAYMENTS. THE BALANCE OWE IS XXXX. THAT THE CORRECT BALANCE. ON MY XXXX XXXX ACCOUNT. I AM MISSING MY XXXX AND MY XXXX PAYMENTS. THE BALANCE IS NOT CORRECT. I HAVE DOCUMENTS TO SHOW PROOF OF THE CORRECT BALANCE AND MY MISSING PAYMENTS ON THIS ACCOUNT. THIS ACCOUNT IS OPEN ACCOUNT NOT A CLOSE ACCOUNT. THIS ACCOUNT IS REPORTING DATE CLOSE XX/XX/2016. I SHOULD HAVE XXXX OPEN ACCOUNTS ON MY CREDIT REPORT. I AM DISPUTING ALL. I HAVE DOCUMENTS TO SUPPORT ALL OF WHAT I STATED. I AM DISPUTING MY XXXX BALANCE MY MISSING PAYMENTS HISTORY ON XXXX XXXX I AM DISPUTING THE BALANCE, MY MISSING PAYMENT HISTORY FOR XXXX AND XXXX AND I AM DISPUTING ON THE STAIC OF THE ACCOUNT. OPEN ACCOUNT

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 2016-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I wrote to all XXXX reporting agencies. It a XXXX judgement that is paid in full to be taken off 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 2016-05-09
Company: Collections Inc
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
a ) they never sent us any letter with their name, address and account number. They insisted on calling me at work.XXXX for a living thats totally unreasonable. I asked them to talk to my wife because she is home during the day. They threatened garnishment even though garnishment is XXXX dollars and I only owe $ XXXX.I told them I can not pay the whole amount and needed a payment plan and she said she wanted my debit card number. This was without telling me who she even was and with no way to keep them from taking the whole amount. I said no I 'll send a check for what I can afford. She said she had to have the whole amount. Whenj I said I couldnt afford the whole amount she said I was being rude and hung up.She continues to call me while I am at work XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to apply for a loan and the other person that I was trying to attempt to apply for the loan fraudulently deposited to counterfeit checks into my account the bank accepted the checks when they found out they were counterfeit checks they automatically put a hold on the checks froze my account then they returned the checks to the person who deposited the checks into my account my account is still froze I can not use my account for anything I can not pay bills withdraw money deposit money my bills are now late I am being charged late fees due to my bank refusing to pay my bills or close my account before XX/XX/2022 I am being penalized for someone else 's actions that sums it up to make a long story short this is not right to the consumer

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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have reached out to XXXX XXXX and Transunion six different times in regards to having two bankruptcies removed from my credit report. Dates being XX/XX/XXXX and XX/XX/XXXX Certified letters were sent from my doctor explaining that I have XXXX and XXXX  which affects my decision making at times. These bankruptcies were filed when I was ill and my medical conditions were beyond my control. I explained to XXXX that there was no balance on each of the bankruptcy because they were never completed do to my being ill at those times. Even with all of my certified letters from my doctor and from the bankruptcy court, XXXX refuses to honor and respect my medical condition and have these XXXX  balance items deleted it from my credit report please assist and having these items deleted and removed from my report so that I can move forward with my life now that I am well. Thank You

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 2017-01-25
Company: BB&T CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Account Number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2023-04-11
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I submitted info requested by fax. They still wont tell me whats wrong and the verbally state all my information yet continually state they need to verify

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed accounts listed on my Equifax credit file. Equifax has ignored my request to provide me with the documents that they have on file that were used to verify the accounts. Equifax has exceeded the 30 day mark and can not verify these under section 611 ( 5 ) ( A ) of the FCRA. They are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, I opened a secured credit card with Citi in XX/XX/2020. I was told that by putting down a deposit of {$200.00}, they would extend a line of credit of {$200.00}. They said as long as I kept my account in good standing and built credit, they would convert my card to a standard credit card within a year and refund my {$200.00} deposit. A year came and they decided to not refund my deposit. They said to wait until the XXXX month mark. I did. When that time came, they said to wait again and they would refund my deposit. It has now been XXXX XXXX years since opening the account. I have raised my credit score XXXX points to XXXX, I have nothing in collections, I kept my account in good standing, never went over my credit limit, never missed a payment, I worked extremely hard to get good credit. They are still refusing to give back my refund. I asked why they refused but they just gave general information saying it is based on the account and on my credit. All of those have been in good standing. They refuse to return my deposit unless I close my account. I don't want to take a hit on my credit report by closing the account. It looks like they are taking advantage of me and took my deposit under false pretenses. I have the Citi secured mastercard. I spoke to customer service last today over their chat feature.

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 2015-08-26
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was promised credits for a refi loan 1. {$500.00} promo credit and # 2 {$1500.00} lender credit. Now XXXX hours before closing they tell me the lender credit is {$740.00}. I have been promised both credits in the entirety several times in disclosures, emails and by phone bow that I am set to close the credits are going away. Deceptive practices

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-07
Company: Rocket Mortgage, LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received a mortgage advertisement from Quicken Loans that is very misleading and factually incorrect. I work in finance so am able to see the errors in their ad quickly, however the mortgage market and economy does not work this way and I would n't expect an average borrower to be able to sort out Quicken 's erroneous representations. I would be happy to forward the email ad to you but I do not see a way to attach. I am sure they are going to get a nice boost of business before Fed Day. 

Here are the false presumptions the ad makes and can mislead a borrower. 

It implies that you can, as a borrower, front run the fed. 

Has the audacity to talk about market expectation STILL imply that even though everyone thinks that the fed will raise you can lock in now before hand and realized the benefit Conflates the fed funds rate with long term mortgage rates. Fed funds has a very loose connection to long term rates. 

Has a total non sequitur between post election vol and Fed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have like XXXX or XXXX credit cards on my credit report that when I applied the terms where unclear so I cut them up and never used them now they are trying to use up front fee 's as a balance that I owe even thou as soon as I received the cards I called them and canceled them and never used them for instance a XXXX card that when I received they had already charged the card XXXX for processing fees I canceled them as soon as I got them and read the terms now they are adding interest and making derogatory marks on my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation