BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-25
Company: Rocket Mortgage, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called Quicken Loans on XXXX XXXX 2017, to discuss getting a mortgage to purchase an unfinished house on a 3-acre piece of property. I talked to an upbeat loan officer by the name of XXXX XXXX, who told me the type of loan I requested was indeed possible with Quicken Loans. He told me Qucken Loans is a direct lender and can make mortgage loans many lenders can not. 

I told him I wanted to have my mother on the loan and I gave him her income information. He told me, based on her income, the amount of money, {$100000.00} she would qualify for, but he also said he needed to check her credit first. After he talked with my mother and he ran her credit, he said he could not do the loan. I thought this was strange because her credit came out to XXXX. When I asked him why he was turning her down, he said that Quicken Loans does n't do this kind of loan after all, and the house must be completed at closing. When I asked him why he did not tell me this before he ran the credit, he said running the credit only took off a few points and it was not as bad as applying for a credit card. I thought his flippancy towards running my mother 's credit if he " could not do that type of loan after all '' was damaging to her. 

Most of all, I am filing a complaint because I believe the lender practiced age discrimination against my mother. Although she is in her late eighties, she has a right to file for a mortgage without being misled about what loan is possible for her, and without having her credit checked for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
please remove the XXXX collection from my file it has been removed STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Re : XXXX XXXX Reference No : XXXX Original Creditor : XXXX XXXX Dear XXXX XXXX : Your dispute has been noted. Please accept this as confirmation we have closed the account in our office and returned it to the original creditor. Additionally, we have requested a deletion of information provided by XXXX XXXX to the credit reporting agencies. You may wish to check with your local credit bureau in 30-45 days to ensure that your credit file has been corrected. Your Credit Bureau Account Number is XXXX. Thank you for the opportunity to review and respond to this matter. This communication is from a debt collector. Sincerely, XXXX XXXX, # XXXX Consumer Affairs staff on behalf of XXXX 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 2022-09-02
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to dispute a debt that is being reported on my credit from CCS collections. I have repeatedly asked for documentation/ contract stating I did business with the original party which is liberty mutual and they have not produced any documents to me. I have tried to dispute this multiple times with all 3 credit burues and CCS collections has only written them back saying the debt collection is valid. I never did business with XXXX XXXX or CCS collections and want this removed from my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hello, my name is XXXX XXXX. For over 10 months, I have been going back and forth between XXXX, Transunion, and XXXX XXXX regarding fraudulent hard inquiries on my credit report. In XX/XX/2021, someone attempted to open an account with my personal information at XXXX XXXX. XXXX XXXX informed me that the application was flagged as fraud, and they did not proceed to open that accounts. However, the inquiry appeared on my XXXX and Transunion accounts. On XX/XX/XXXX, XXXX removed the two fraudulent XXXX XXXX hard inquiries from my credit report. However, Transunion didn't. I've reached out to TransUnion to have them remove them ; however, they claim that they can until XXXX XXXX reaches out to them. But when I reach out to XXXX XXXX, they claim that they can see hard inquiries reporting from them, therefor they can't create a dispute. XXXX 's claims are entirely false ; you can confirm with Transunion that they pulled my report 3 times when it should have been once. I need two fraudulent hard inquiries from my TransUnion to be removed. I can provide proof of my credit report clearly showing one hard inquiry from XXXX on XXXX and 3 from Transunion. 



In the attached document, you will see clear proof that there is one hard inquiry from XXXX, which is correct in my experience. Followed by three inquiries on my TransUnion, which is incorrect, and two of them should be removed, the two being XX/XX/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 explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: AL
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:
Account Number : XXXX XXXX  XXXX I have been a victim of identity theft and I am writing to dispute the account information in my file. This account was a result of the identity theft and is not mine. 

You must be aware that the furnisher of my credit information is an unreliable source and that the informational items sent to you from the furnisher was inaccurate prior to you issuing my consumer disclosure. 

Block the account XXXX XXXX  XXXX from reporting to my consumer report because it is verified identity theft reported by the police. Included is the police report with the individual who stole my identity reported. 

Also included is my proof of ID ( Drivers license, social security card and utility bill )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022, I requested a forbearance extension via their online web portal. Today, XX/XX/2022, I received a message stating " Due to the status of the account, we are unable to submit the forbearance extension via the Message Center. ". This company gives me trouble every time I attempt.to extend my forbearance. I am entitled to six more months and it has required a CFPB complaint for the account to be fixed each single time. This is beyond egregious. 

I also submitted a mortgage relief application through the state, and the state has said that they have been waiting on a response from the servicer for about a month now. As I said before, all of SLS 's actions appear targeted to result in foreclosure.

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 2017-08-25
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX-XX/XX/XXXX I attended school at XXXX XXXX in XXXX, CA. While making payments on the two loans I had with XXXX XXXX ( now Navient ), my payments we not applied properly. I had written checks for the sum of the two loans, writing both account numbers on the check to be disbursed evenly, but the money was only applied to one loan. This continued to happen for over a year, without any correction by the lender. This resulted in delinquent payments, increased interest rates and constant harassment. I contacted the lender dozens of times to correct the problem and/or apply a credit to the other account based on the difference and nothing was done. Upon falling behind on payments, I was offered to put my loan ( s ) into deferment/forbearance without detailed explanation as to how that affected my loan and how the interest would continue to accumulate. I was NEVER suggested an income-based payment plan. Not a single time. It is now XXXX, I have paid 1 loan off and I have tried to apply for a repayment plan, but I was told I do not qualify because my account was current. The interest was well over 10 % and was told I could n't receive help unless my account was delinquent. So, I had to let my account fall behind again, severely impacting my credit score just to try to apply for that repayment plan. I now have been trying to contact Navient about my account and have been told my information does not match what is on file with the company! Apparently, my SSN and DOB do not match their records, yet they have no problem reporting me to credit bureaus, tanking my score and eliminating my eligibility for 3 Federal jobs I applied for because of my " delinquent accounts ''. Navient has done nothing but put me into the deepest financial hardship I could imagine and I can not foresee digging myself out of this hole without help from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: MOHELA
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: Information belongs to someone else

Complaint:
MOHELA/DEPT OF ED did not purchase the promissory note from XXXX : XXXX XXXX All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, XXXX or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 USC 1681 c-2 ) which states that these accounts must be removed within 4 Business Days. 

MOHELA has failed to provide with the actual contract. Mohela has only provided a photocopy of the contract, which includes a variation of my name, but ITS NOT my name. XXXX and XXXX are two different names even though they are identical. 

For an example, XXXX would be someone different from XXXX, as XXXX is Not XXXX. 

The driver license the contract displays is NOT my driver license number. The signature displayed is NOT my signature either. 

I have attached a copy of the FTC identity theft report. The account in detail is listed at the bottom of my FTC report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I bought a tv from XXXX. I took it back to XXXX and promised a replacement. My replacement TV never came and my bank refuses to give me a refund for the stolen money,

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 2017-08-25
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is in response to my last complaint and XXXX XXXX XXXX Consumer and Government Affairs Seterus, Inc. response. We filed for chapter XXXX bankruptcy in XXXX of XXXX. My attorney XXXX XXXX XXXX XXXX was added to my Seterus account in XXXX ofXX/XX/XXXX. I applied for a modification in XXXX of XXXX. A trial offer was sent out for us to begin trial payments in XXXX of XXXX we completed the three payments which you indicate in your letter. We never received a permanent modification until XXXX of XXXX now our attorney was added to our account. If Seterus had processed the finalized modification in a timely matter by XXXX or XXXX of XXXX, We would have been current on our payments and it would not have been part of the bankruptcy proceeding. Seteruss inability to process the modification in a timely manner caused our home to go into foreclosure proceeding and increase the mortgage amount that we currently owe. It should not take 8 months for a mortification to become permanent after the trial payments have been made.

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 2017-08-25
Company: Continental Services Group, Inc. d/b/a ConServe
State: NM
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Conserve Credit Debt Collection Agency for the Creditor XXXX XXXX XXXX XXXX, in the amount of {$6400.00} Account Number : XXXX had already been, " Investigated, Removed and Deleted, '' from all of my Credit Reports for being a, " Fraudulent Account '' yet they somehow managed to place them back onto my XXXX and XXXX Credit Reports. " I do not know if they have placed themselves back onto my XXXX  Credit Report but as I mentioned they were already deeded, " Fraudulent and I have sent the Original Creditor all the necessary legal documents when I first had them disputed and they were fully investigated and again removed and deleted from all three credit bureaus. 
I have spoken to both the XXXX Credit Bureau and Conserve, Conserve is the fourth Debt Collection Agency hired to try and harrass me and attempt to ruin my credit. In fact Converse told me when I called them that, The Creditor : XXXX did not sent them any documents at all so they have nothing to reference the fact that had already been removed for being, " Fraudulent Account! '' " I did however make them aware of this! '' And as far as XXXX and XXXX, I have filed complaints against them separately. 
I do not know how to stop this abuse as I can not afford to have my credit ruined by creditors who were already once removed from all three credit bureaus. However, it seems very illegal that this is happening as my Credit Bureaus have my records on file as I submitted two police reports, Legal Affidavit and all other documents needed. I really need this to stop! 
( Over the past two years I have sent the main creditor which is the XXXX and their other Collection Agencies they have hired, plus all three credit bureaus all of my legal records like up to three times now. When I sent the legal documents I always sent them, " Ceritfied Mail but I can not afford to keep on doing this as I my income changed drastically when I became XXXX and was put on Social Security Benefits! So I am on a very tight budget. I do however have all of my original legal documents that I am going to be mailing to CFPB )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXXDEPT OF ED did not purchase the promissory note from XXXX : XXXX XXXX All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, Transunion or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 USC 1681 c-2 ) which states that these accounts must be removed within 4 Business Days. 

XXXX has failed to provide with the actual contract. XXXX has only provided a photocopy of the contract, which includes a variation of my name, but ITS NOT my name. XXXX and XXXX are two different names even though they are identical. 

For an example, XXXX would be someone different from XXXX, as XXXX is Not XXXX. 

The driver license the contract displays is NOT my driver license number. The signature displayed is NOT my signature either. 

I have attached a copy of the FTC identity theft report. The account in detail is listed at the bottom of my FTC 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 non-monetary relief
Consumer complaint received 2017-08-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I just wanted to do my part in taking down Navient for the unethical way they have handled my Student Loans. 

I have 5 individual loans totaling {$17000.00} the five are a combination of subsidized and unsubsidized loans, vary in amounts and interest rate. 

But the commonality shared between all of them is the fact that I am upside down. Owing more than the amount I initially borrowed. Not through any fault of my own ( outside of being an indecisive student making an attempt at college only to discover it is n't for everyone ). I was forced into multiple deferments, not given the option to keep paying as I attended school and as a result I now owe more than I borrowed, understood when you factor in interest, but not understandable when you factor what was accrued as a result of Navients practices. 

I am not attempting to get out of my responsibilities, though I would love my debt to be wiped clean as Torah calls for, after seven years, I understand I signed my name on the dotted line and must repay. But, I do below that I owe less than my current amount shows and want to be reimbursed for the amount accrued due to forced deferments. 

Navient deserves to be out of business for what they have done. They have taken advantage of people and are the epitome of predatorial financial institutions.I hope my complaint provides US DOJ with more ammunition to put this company in the grave where it belongs! 

CROOKS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Experian Information Solutions Inc.
State: TN
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:
I started working on my credit report in XXXX 2017 and sent updates to each bureau and I seen XXXX XXXX, XXXX, some of the changes but all of the changes was not corrected. I have not receive any changes or updates from the other credit bureau. Please help me fixed this. I recently got married so mu name has changed from XXXX to 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 explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX Equifax, XXXX, XXXX added collection for {$1500.00} that was previously removed it is reporting this account as a new Deragatory mark on my credit report. I have not had any personal contact with the collection agency and the credit bureau DID NOT inform me this was being reported. This collect has now resurfaced and it is impacting me severely. I am currently disputing this with all 3 credit bureaus. I feel taken advantage of and the want to keep me in the negative. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my consumer rights. XXXX has reported that I owe a debt to World Finance. XXXX has not provided proof of any original signed documents with my signature on it. XXXX is required by the FCRA to have a copy of the original creditors documentation on file to verify that this information being reported in mine and correct. It is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA XXXX is required to promptly DELETE all information which can not be verified. Information on who verified the accounts is out of compliance with the Federal Law. This is negligent noncompliance Section ( 617 ) failure to comply! XXXX has embarrassed me with the reporting of incorrect information on my credit report. This violation has hindered me from successfully purchasing my first home. I will take all legal remedies available to me to resolve this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I started working on my credit report in XXXX 2017 and sent updates to each bureau and I seen Trans union, XXXX, some of the changes but all of the changes was not corrected. I have not receive any changes or updates from the other credit bureau. Please help me fixed this. I recently got married so mu name has changed from XXXX to 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 explanation