BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage XXXX is billing me {$180.00} for a lapse in insurance coverage that wouldve never happened if the Rocket Mortgage employee would have sent an email to insurance companys correct Email address. The employee did not follow up to see if the insurance company employee received the email ; however, If she would have, she would have learned that she had misspelled a name in the email address and the insurance company employee never received the email which resulted in the premium not being paid and a lapse in coverage. Ive spoke to a couple of employees with Rocket Mortgage who are unwilling to accept responsibility claiming that they did follow up with a phone call but the insurance companys phone system was out of order. The insurance company claims that their phone system has never been out of order. Once I was notified that my premium had not been paid, I am mediately got insurance. I believe that rocket mortgage should waive the {$180.00} for failure to communicate with the insurance company and myself prior to the policy lapsing. If Rocket Mortgage would have communicated this information in a timely manner, my policy would have never lapsed. Rocket mortgage claims that the insurance company should have had the proper information as to who the mortgage company was and they are responsible for the lapse in coverage. Either way, rocket mortgage is still trying to charge me for this epic failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a vehicle loan that was opened by a dealership on my behalf with Chase vehicle loans. I set up my account to automatically pay the bill every month through the Chase website from my Chase checking account. I paid this loan off early, this process closed my chase auto loan account and shut off access to it ( which makes sense you should n't need access to it ). My issue is that the automatic bill pay continued to draw the standard payment from my checking account after the account was closed. When I called Chase they informed me that I had to go into my account to cancel the automatic payments however since the account was closed I obviously could not do so. After an hour or so talking to various help desks they were able to cancel future payments to the closed account however the {$640.00} that they had drawn from my checking account was not returned. The Chase representative said it would take 20 business days to return the funds to my account. As Chase requires that their customers cancel recurring payments on accounts that they can not access and then bars customers access to their own funds, I believe that this would fall under the category of deceptive or unfair behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are in Foreclosure and trying to sell this home. We have a short sale and the first lien holder can not give us a short sale approval since there is a 2nd mortgage on the sellers title. After speaking with customer service for Chase Home Equity Mortgage XXXX, they stated that this file was no longer in their system, and that if I need a release of mortgage I would have to send written request for that release of mortgage. We have Fax a request to Chase Equity Research Department on XXXX XXXX, 2017 and again XXXX XXXX 2017 and have been unable to get anyone to respond since the Research department does not provide a phone number to JP Morgan Chase Home Equity Mortgage equity research department for a Washington Mutual WAMU Equity Plus Mortgage XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a loan through Prestige Financial Services. I purchased the vehicle in XXXX, XXXX XX/XX/XXXX and relocated to XXXX XXXX because of medical issues after a car accident. The car then broke down and I was told by the mechanic that the car was a salvaged vehicle. Due to prestige telling me XX/XX/XXXX that they will finance the repairs, I decided to stick with the vehicle even after being told by the mechanic fixing the vehicle that I would be better off getting rid of the vehicle because of the underlying issues. In XX/XX/XXXX I became delinquent due to some unexpected and unforseen expenses. I have told Prestige repeatedly that I would love to keep my vehicle and even have given them dates that I could pay. Their response is a refusal to accept anything less than the total amount due and repeated threats to garnish my wages and take me to court. Not once did I say that I would n't pay, I 'm just having a hard time coming up with the total amount due at this time. One of the supervising collectors have even told me that I should give him all of my income information and also my bills so that he could arrange them since I obviously do n't know how to handle my finances. All of this has caused me stress and I feel as if I 'm on the verge of a XXXX due to their harassment and threats with a garnishment for a refusal to pay though I never told them that I would n't pay. I 'm not asking that they move a payment and I know that my interest rate is crazy high because this is a predatory loan after I filed bankruptcy. I just put another {$300.00} in repairs on this vehicle that I should n't have had to have repaired for a while after purchasing it. The threats with garnishment and lawsuits is unbearable and unbelievable considering that I 'm not refusing payment, I 'm just asking to have them broken up until I get back on my feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: EQUIFAX, INC.
State: PA
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 have been trying to fix my XXXX XXXX XXXX  account for the better part of this year. I started sending disputes to XXXX XXXX directly in late XXXX. And have worked with many different people inside of their company to go over information that was reporting false on my credit reports. In XXXX, I was finally given a letter from XXXX XXXX stating that they would remove a late payment that was on my credit reports for XX/XX/2018. They updating ALL three credit bureaus, but Equifax was the only one to update correctly. I sent the letter to the two other CRA 's and contacted XXXX XXXX XXXX again about the update. I only contacted XXXX XXXX because their update had created new negative information on my account. So I was fighting these new problems with XXXX XXXX, while trying to fix the old problem with the credit bureaus. This cycle of waiting for my credit report to update, new negative information on it, dispute with the CRA 's same old information, complain to XXXX XXXX about new errors on my report, and waiting for credit report to update. Has been a monthly dance for almost half a year. My XXXX XXXX XXXX   account update XX/XX/XXXX with ALL three credit bureaus. It is now a completely inaccurate reporting of my payment history. I am sick of XXXX XXXX doing whatever they want to my credit report and to my credit score. They have violated the FCRA and have failed to produce 100 % accurate information to the credit bureaus in a 30 day time frame. I want this account removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
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:
dispute the information in the credit report. 
The letter they sent was to a postal address of a XXXX XXXX in XXXX XXXX in which I no longer receive postal correspondence because I do not live in XXXX XXXX. Currently, I am living in the state of XXXX about two years ago, so I did not know about the letter, but after the payment due date of the loan a relative who received the letter addressed to my name in XXXX XXXX could not send me to XXXX the letter from XXXX, because XXXX XXXX for that date was flogged by a hurricane and natural disaster so there was no communication of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: MS
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: American First Finance, Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
I have had an account with American First Finance since XX/XX/XXXX and the company has failed to report my account with the credit companies. I paid the company in full on XX/XX/XXXX. Then I called today on XX/XX/XXXX, XXXX and I was hung up on twice on the phone and the company has failed to report my loan account.. I asked to speak to a supervisor waiting on the phone for over 25 minutes only to be treated rudely and hung up on and he provided no information, his name was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of XXXX I leased a car from XXXX. Along with my down payment they had offered me a credit card in the amount of {$2500.00} to also use towards the down payment. I told them that I was not interested. I did not want a car payment plus a credit card payment. Gave my down payment signed all the paperwork and drove home in my new car. The spring of XXXX I received a letter from a Law Firm stating that I was being sued for an unpaid debt in the amount of {$2800.00}. I am XXXX so I had my Mom call. She told them that the credit was not mine and that I have never even had a Credit Card. Never heard from them since. I am know looking for a house and I have been unable to even be considered a potential tenet due too a collection on my credit report. After looking more into it I am now finding out that it is the credit card from the XXXX XXXX where I got my car. I never authorized the use of a card. It could of been from the lack of communication due to being XXXX. Plus the corresponding statements that I now have in hand doesn't even have my correct address. This is why I never knew of this situation too even take care of it back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Exeter Finance Corp.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX : A creditor XXXX not treat payment on a credit card account under XXXXXXXX open end consumer credit plan as late for ar purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: NY
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:
Back in XX/XX/XXXX, I reached out to Equifax about an account ( XXXX XXXX ) thats still reporting on my credit repot when it was suppose to be removed in XX/XX/XXXX after payment. Equifax still hasn't removed the account. I reached out to the company ( XXXX  ) that reported the account and they said they sent over the information to Equifax to have the account removed and its still reporting on my account as of today. I want this account removed immediately as it is affecting my score and chance of being a homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Halsted Financial Services, LLC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated calls from different numbers, all with the name " Halsted ''. Nobody ever speaks, and when I call them back, I get an answering machine that blares music. 

DATE | TIME | CALLED FROM XXXX/XXXX/2016 | XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX | XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
After seeing a debit card transaction on our account that I did not recognize, I researched as much as possible by contacting the company in question several times. They had no information as to why we would be billed as we were n't even in their system. I also checked with our insurance company which did not have any such billing through them. We never received a statement from our insurance company pertaining to this transaction nor had we done business with this particular company. I contacted via phone HSA Bank and spoke with XXXX. She canceled the card and emailed a transaction dispute form for me to submit. I submitted the form on XXXX/XXXX/16 per instructions on the form. It was received by their agent on XXXX/XXXX/16 per USPS tracking. On XXXX/XXXX/16 I spoke with XXXX who said there was no record of receiving it. On XXXX/XXXX/16 having no reimbursement into our account nor hearing from HSA Bank, I again contacted and spoke with XXXX, who told me there was nothing they could do as they only send out the forms. The supervisor refused to speak with me but suggested through XXXX that I send a letter or fax. On XXXX/XXXX/16 I faxed a letter along with proof I sent and they received the form. I have yet to get a response. On XXXX/XXXX/16 I called one last time and spoke with XXXX XXXX who said to email her my proof and she would forward it to the appropriate dept. I have yet to hear anything from anyone at HSA Bank and have not received reimbursement to our account per their on own protocol ... within 10 days. As an added note, the dispute form instructions plainly state that if I have any questions to call the number on the back of debit card ... THEY 'RE the ones who keep telling me they ca n't help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06
Company: Community Health Investment Company, LLC.
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX/XXXX/15 at XXXX PASI ( XXXX ), a medical debt collection agency called me. It was my debt and I have paid it off. The problem lies in the fact that when I was contacted the first time, the lady said that if I did not pay in 10 days, the debt would hit my credit and they would garnish my paycheck. I called back the next day and verified that they were a collection agency and not the billing department of the hospital that I went to. Upon verification that they were indeed a collection agency, I informed them that I knew my right under federal law and that they were not allowed to report the debt or garnish my wages at this point in time without taking me to court. This is when I was informed that they would give me 30 days to pay instead of the 10 days originally quoted. Now, it was my debt, i legitimately owed it and I have since paid it. However I do not appreciate the unnecessary threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I paid off a mortgage, and more than a year after I had not received a final statement of my account, until I received my Form 1098 for XXXX this year, which included a balance statement of my account. 
One of the entries in the statement details an Escrow Refund amount of {$3.00}, XXXX, which was never received. 
When we contacted the company to inquire about the check, they claimed the check had been sent on XX/XX/XXXX of this year, XXXX, and I should be getting it in about 10 days ; when the check did not arrive, we called again! 
This time their narrative was that they had made a mistake, and that the check had actually been sent last year, XX/XX/XXXX, so we asked that they provided a copy of the cashed check, then they changed the narrative yet again, saying the check had returned to them, and that they " would issue a new check and I should get it in 3 weeks ... '' In conclusion, they keep giving us the run around and they have kept the money for more than a year! So far, I have not got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Here are the inaccuracies I have identified : Account Name : XXXX XXXXXXXX ( Original Creditor : XXXX CXXXX  XXXX XXXX XXXXXXXX XXXX A ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the last payment date is XX/XX/XXXX. This is incorrect. This account is being reaged and it it too old to be on my report if the last payment date is XX/XX/XXXX it must have been opened before that date and anything before XX/XX/XXXX is older than 7 years and needs to be removed from my report. Please correct this inaccuracy or remove the account per FCRA accuracy guidelines. 

Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Incorrect dates listed Instruction : Transunion is reporting an opening date of XX/XX/XXXX while XXXX is reporting an opening date of XX/XX/XXXX. Both of these can't be correct and as such that is inaccurate reporting. Please remove this erroneous account from my reports. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the date last active says XX/XX/XXXX. This is incorrect. On XX/XX/XXXX I could not have opened any accounts because I was in prison. I have been incarcerated since XX/XX/XXXX. I was in prison on this date of opening. So this account being reportd is inaccurate. Please remove this from my report Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The XXXX mortgage is with XXXX, and they approved the short sale with a payout of $ XXXX to the XXXX mortgage, with SLS. Investor is XXXX and the guidelines are VERY clear about the max payout. SLS is demanding $ XXXX saying that XXXX is the investor who is demanding a $ XXXX payout. I have confirmed with XXXX that they are NOT the investor for the XXXX, and that they will only allow $ XXXX. SLS is acting in BAD faith by lying, and my approval from the XXXX expires XX/XX/XXXX. I need to get the XXXX approved ASAP as this is a financed offer that needs a full XXXX days to close!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed this account in XX/XX/XXXX with a {$0.00} balance. The company illegally charged my credit card and my bank honored the refund since no services were rendered. They took my refundable deposit and have started to invoice a closed account since XX/XX/XXXX. I have not used any of their services and requested numerous times to stop adding late fees to an account that has been closed since XX/XX/XXXX. 

I have had several conversations and can not get the proper resolution. They sent my account to collections in XXXX where I received an invoice from Caine & Werner. I did not this company permission to access any of my information.

Company response to consumer: Closed with explanation