BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: TN
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 a few issues to address : 1. ) XXXX  has dropped my credit score a number of times without any explanation. I understand hard inquiries impact your score negatively and a number of other things are determining factors as to what your score will be. But when there is a drop with no explanation or indication as to why it dropped, that is unacceptable. Equifax and XXXX ; I always know why my score dropped. XXXX is the only bureau that has no explanation. WHY? 

2. ) Why is it that, if you pay off your home loan or any other large purchase, the consumer is penalized? Our scores should either stay the same or increase for the hard work of paying off a huge debt. Instead ; all 3 bureaus take at least 20 to 30 points off of your credit score. How is that fair to consumers that work hard to keep their excellent credit rating? 

3. ) When a credit card closes ; why is that a reason to drop our score? I know the excuse is " because you no longer have that credit history. '' Why can't it be ; if you paid those cards off, your score doesn't change and that history still counts after the account is closed. 

There are so many unfair things that make it extremely hard for consumers to succeed. We know creditors base majority of their decisions on the score as opposed to the history ( i.e. interest rates ). And yet the bureaus hit us in every direction. 

All we want is to be treated fairly. If the above 3 things are changed, that would make a world of difference to consumers who work diligently to keep excellent credit. 

Please don't response back by telling me the rules. I know what the rules are and rules can and should be changed for the better. Just because they are the rules, doesn't make them RIGHT or FAIR. The system is geared toward the creditor in every way. The consumer gets punished if we are not paying our bills, which is understandable, and we get punished if we pay our bills on time or pay them in full. 

If whomever is responding to this doesn't have a solution, please let me know who does.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I recently applied for a refinance to my mortgage through Quicken Loans. I had asked about their product where they claim to pay your PMI for you. This would really save us some money each month. After working with their agent, I was told that I did not qualify because I do not have enough equity in my current home. I understand this even though my wife and I have an impeccable record and credit scores. The problem that I have is that if I do not qualify, why do I continue to get email notifications urging me to apply for refinances through them? I constantly receive email notifications from Quicken Loans telling me to apply and asking 'What 's holding me back. ' The emails even allow for a link to apply within them. I wanted to apply for the right product for me, which they said I could not get at this time. Now I receive notifications that I should keep applying. I just want to move forward with the product I want.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 my Mortgage which is on a 30 yrs fixed rate at 3.875 percent just went up an additional XXXX a month and the Escrow just told me it was because of switching insurance and switching back to the original insurance which make NO Sense!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019, I fell victim to identity theft and someone attempted to open a credit card with " XXXX XXXX XXXX ''. The card was not opened as the bank was unable to confirm information on the application, per a letter received from the bank. However, a hard inquiry was placed on my Equifax report. However, this attempted credit card application was fraudulent and the Equifax hard pull must be removed. 

I contacted XXXX - XXXX XXXX on XX/XX/2019 and they informed me that they would request that the credit bureaus remove the fraudulent hard inquiry from my reports. I received a letter to this effect dated XX/XX/2019. I also contacted Equifax on XX/XX/2019 to have the hard inquiry removed and was told they'd need to wait for the credit card company to request the hard pull be removed. 

Nothing happened. I submitted a second dispute with Equifax on XX/XX/2019 as well as contacted XXXX  - XXXX XXXX. I was told that they had informed the credit reporting agencies that the hard inquiry should be removed on the basis of fraud but that they would send them a second request for the removal by Equifax. I received a letter confirming this action dated XX/XX/2019. When I received back the results of my dispute from Equifax, it stated : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX, Phone ( XXXX ) XXXX. '' As of today, XX/XX/2019, I still see the hard inquiry from XXXX - XXXX XXXX on my credit report from XX/XX/2019. To reiterate, this was a fraudulent attempt by someone to open credit in my name, which failed but the hard inquiry is negatively impacting my credit score and needs to be removed immediately after these multiple attempts to resolve this through the bank ( XXXX - XXXX XXXX ) and credit reporting agency ( Equifax ). 

Additionally, this XXXX - XXXX XXXX fraud had also been reported to XXXX. However, that was quickly resolved and the hard inquiry has long since been removed from my XXXX credit report. 

I have locked my credit reports and added a security freeze at all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection account for {$400.00} was erroneously placed on my credit report inXX/XX/XXXX and I was unaware of it until I checked my credit recently. I was never sent any official notice or claim of this debt being attributed to me and I did NOT incur this debt. It should not be in my credit file because it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: ACS Education Services
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
On XX/XX/2016, a woman called my cell phone, and said she was calling from the student loan company ACS, and had information for me.. She asked for my birthday and home address, which I did not give to her, and she would not tell me the purpose of the call until I supplied her with my birthday, XXXX She said I could call ACS to get the information and had a phone number for me, which I did not take. Instead I called ACS myself ( as I do have both private and federal student loans with ACS, https : //www.acs-education.com ), and they told me no one from ACS had tried to contact me, and that they do NOT have my cell phone number ( they only have our landline ). The phone number the person calling used was XXXX, which ( from a XXXX search ) appears to be used regularly for this purpose. I 'm concerned that this person not only knew I had a loan with ACS, but they also had my cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/XXXX and XX/XX/XXXXHave removed these inquiries because of identity fraud Equifax claims they are correct I want them to verify there method???????????????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
XX/XX/2020 was marked as late on my credit report. However in XXXX of XX/XX/XXXX I had called Capital One in regards to be furloughed due to Covid they advised I wouldn't be charged a late fee and I made other arrangements for payment. However come XXXX I was billed a late fee and I had to call and have it credited. They were able to credit the account but still reported my account as late. I have called them several times but was told they are unable to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
From : Midland Mortgage To : Affected Covid-19 Borrowers ( They are requesting that borrowers pay entire amount of the three delayed payments immediately after the forbearanceXXXX. Most borrowers will simply not have the available funds ) Midland Mortgage wrote : COVID-19 update for our customers For customers who may not be able to make their mortgage payments because of the coronavirus, we are offering a short-term mortgage assistance plan that delays mortgage payments for three months XXXX, XXXX and XXXX. 
How the plan works : You arent required to make regular monthly mortgage payments for three months. And for those three months, no late fees will be charged and delayed payments wont be reported to credit agencies as past due. 
At the end of the three months, all three delayed payments ( and any other past-due payments ) will be due. If you are not able to make the payments then, well evaluate you for additional mortgage assistance options. 
If you decide you dont want or need to delay your payments for three months, let us know on our website or reply to this email. 
Next steps : Well send you a letter outlining all of the details of this short-term mortgage assistance plan and the next steps to take. If you have any automatic payments scheduled for XXXX, you should go ahead and cancel those. 
Thank you for your patience while weve worked on ways to assist our customers during this crisis.

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 2021-03-23
Company: ID Analytics, Inc.
State: PA
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:
Yes, I received my Credit Report from other companies. My first credit score was XXXX, 2nd XXXX, 3rd XXXX ... I have never had a credit score that low in my life, and I'm XXXX yrs old. This credit score came from SageStream , LLC. from California. I feel that this score will affect my other credit scores when it comes to finance from a bank ... I have paid my bills from electric, telephone, other loans & from bank loans ... NEVER, had these companies had to call to collect money or even late charges from me XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Back in XX/XX/XXXX. I lost my wallet with my drivers license and credit and debit cards, I reported an unauthorized charge to comenity and they opened a dispute for the charges on XX/XX/XXXX for XXXX in the amount of {$630.00} and XX/XX/XXXX XXXX XXXX in the amount of {$100.00}. They returned the money back to my card and sent a new card to my address on XX/XX/XXXX they added the charges back to my card saying I was responsible for it because according to them I presented my ID when picking up items at the store. Since I lost my entire wallet obviously the person who charged my card also used my drivers license. I requested the case to be reviewed and at the moment the charges are not back to my card and I refuse to pay something I did not authorize. per card agreement I am not liable for charges I did not make

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from HILLCREST DAVIDSON I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HILLCREST DAVIDSON in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Midwest Recovery Systems
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I notice an unauthorized charge on my credit report from advance america. They claimed I took out a loan in the year XX/XX/2012. I have not taken any loans out during this year or prior. I had a bankruptcy XXXX XXXX I was paying for. This charge on my credit report is not mine. 

I can be reach at XXXX. XXXX Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been a loyal customer with Rushcard since 2005, NEVER IN MY LIFE HAVE I EXSPERIENCED SUCH APPALLING BEHAVIOR FROM A BUSINESS, I AM OUT {$280.00} DOLLARS I HAVE DORECT DEPOSITED FROM CHILD SUPPORT! AND LOCKED OUT OF MY ACCOUNT! HUNG UP ON WHEN I TRY AND CALL TO ACCESS MY MONEY HOW DO THEY EXPECT PEOPLE TO LIVE DAY TO DAY WITH NO MONEY ... OUR OWN MONEY WE CAN NOT ACCESS ... 10 DAYS I AM IN DIRE STRAIGHTS DUE TO THE INCOMPETENCE OF RUSHCARD, XXXX, XXXX XXXX ... ..GIVE ME MY MONEY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-15
Company: Empowerment Ventures, LLC
State: LA
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
Friday, XX/XX/2016 I cancelled a layaway at XXXX and the {$400.00} was credited back to my prepaid card. Rushcard credited the account in an hour and then blocked the card for potential fraud. i used the card to do the layaway at XXXX that is the reason the money was refunded back to the card. rushcard states i never used the card at XXXX which is a lie. i have {$280.00} that i do n't have access to plus i will receive a direct deposit to the card in 2 days that I will not have access to. They claim the corporate office has to review the matter and release the hold. I have submitted a documents requested such as id, ss card, proof of address and receipt of transaction at least 4 times since Friday still no resolution. this is causing me a financial hardship and i am very disappointed with Rush card. I want to officially file a complaint on Rush card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I asked for this account to be verified and show proof that this is in fact my debt and show proof of any signatures showing I agreed to pay this debt. This company in turn sent a copy of medical records with no signatures showing I agreed to have my medical records released and this is a direct violation of my HIPPA rights. I am demanding that this be taken care of with the removal of this information to avoid further action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: MONEY SOURCE, INC., THE
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX, I closed on a VA refi. with XXXX XXXX. In XXXX I was sent a mortgage statement from " The Money Source '' showing a Mortgage payment due date of XX/XX/XXXX. Subsequent statements followed for XXXX and XXXX, showing a due date of the XXXX for all months. I recently received a statement for XXXX, that showed a late fee for the XXXX payment, even though it was not due until the XXXX and the XXXX due date showed payment due on XX/XX/XXXX ( XXXX fools joke? ... ..probably not ) I was able to reach a customer service rep who stated late fees can not be reversed, even in the companies error and that all statements showed that payments were to be received by the XXXX even though I have clear evidence showing the due dates of the XXXX. 

In addition, The Money Source requested a payment on XX/XX/XXXX and expects an additional payment on XXXX. 

Is a mortgage company allowed to request more than 1 payment within a 30 day period, without notice or agreement from the mortgagor? And do they have the right to charge a late fee if a payment is not late according to the mortgage statement?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
TSC Accounts Receivable Solutions, claims that I was admitted to XXXX Hospital XXXX for medical treatment on XXXX XXXX, 2011. As I have no record of this, I have requested XXXX items from TSC Accounts Receivable Solutions : 1 ) A signed copy of the admission and/or release form showing I was admitted on this date. 
2 ) A signed form showing they are assigned this debt and have authority to collect on it. 
To date, TSC Accounts Receivable Solutions has not provided either item, nor any other signed document showing I am responsible for this debt. 

TSC Accounts Receivable Solutions has provided me what they call an " itemized bill '' and a " Hospital XXXX Admit sheet '', stating these " as proof of this debt and his responsibility for payment '', but if I was truly admitted to the XXXX, I would have had to sign forms to allow treatment and for financial responsibility. To this point, TSC Accounts Receivable Solutions has not provided any signed documents. 

At this time, TSC Accounts Receivable Solutions, and indirectly XXXX XXXX XXXX XXXX, has and continues to cause me financial harm by providing credit reporting companies with negative information that they either can not, or will not, prove. 

Reporting false information to credit reporting companies is a violation of the law, and both parties continuing refusal to provide the above information makes this matter even worse. I am trying once again to get TSC Accounts Receivable Solutions and XXXX to provide this supportive information before I pursue my rights under FCRA regulates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, 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 status incorrect

Complaint:
My complaint is against equifax and XXXX i have sent in a dispute letter to both bureaus with no response. Then i also sent in a 30 demand to comply and they still havent responded, and by law they need to remove the inaccuracies from my report

Company response to consumer: Closed with explanation