BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for refinancing with Quicken Loans back on XX/XX/2020. We uploaded every document in a timely manner and yet it has been over 3 months and they are still not able to close our refinancing. QL keep asking us to update same documents such as paystubs over and over again because it becomes unusable after 30 days. All of a sudden our agreed amount for our mortgage jumped up XXXX more. Thats when we were about to walk-away they assigned us " Executive Solution Consultant '' then he fixed it back to the agreed number but yet the numbers are keep going back up and they are not willing to explain to us where they are coming from. On top of it our Solution Consultant went on a vacation and we have not been able to get any of our questions answered. We have been pushed around 3+ people to figure out how and why our numbers have been changing. On top of it, they keep asking us to provide an Asset Account Liquidation, which refers to my retirement 401k account where there were no liquidation was done. They were simply having a hard time understanding the " Change in Value '' column the statement represents stock market fluctuation. They keep coming with back with same question so I had to ask my 401k provider to write a letter explaining what " change in value '' means to them. These people are supposed to know these things. They kept removing important documentation after we complained, and explaining it on the phone incorrectly, giving us nothing to reference. Lastly, we reached out to the CEO through email asking for help. After that we got a mystery phone call set-up. When we asked who it will be with, got no answer. So we waited 2 weeks for the call and the day of the call and the time that was set-up by the company. No body called! It's XX/XX/2020 and our refinancing is still not closed.Now they added " the loan is currently set up to give you approximately {$1900.00} in cash back at closing '' This is something we never asked or requested. They keep trying to add things to raise our total amount of our loan so they can get more interest rate from it. This whole process caused a lot of anxiety and stress in our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
They will not remove these XXXX accounts below accounts from my reportXXXX XXXX XXXX FCUAcct # XXXX Acct # XXXX Opened : XXXX Date Opened : XXXXBalance : {$12000.00} Balance : $ XXXXI have disputed these accounts with Equifax Information Services , LLC numerous times. But they will not and have n't removed the information. Experian and TransUnion have removed these accounts from my credit files but Equifax has failed to do so. They keep saying the information is being verified but have yet to provide me with the documentation they 're receiving from the creditor stating the information is mine and not fraudulent. I would this matter to be resolved ASAP as I have disputed it multiple times with Equifax. I can not obtain credit due to these inaccuracies on my credit report. Hopefully, Equifax does it 's job this time and thoroughly investigates, then removes the items from my credit file. I have attached a copy of the police report that I received and other documentation that I sent to Equifax for removal of those fraudulent accounts. Thanking you in advance for your cooperation. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company does n't have all of my loan origination documents and they claim they are missing my original amortization schedule. I only know this because I called in to make sure PMI would automatically remove itself next month when my LTV hits 78 %, based on the original schedule. I am currently well below that. The company and their reps basically told me that since they do n't have the original amortization schedule that it would n't be removed. Per the PMI removal regulations ( " When the balance drops to 78 %, the mortgage servicer is required to eliminate PMI. '' ) I do n't feel that the company is meeting their requirement as a mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted multiple disputes through the credit reporting agency and associated with unauthorized inquiries reporting on my credit report. I have been advised that the only way to have the fraudulent inquiries removed. I was advised that my only option was to contact the parties directly and request that THEY remove the inquiries. I contacted each of them and and was advised that they would need all of my confidential information ( name, SSN, DOB, address ) to 'research ' the reporting. While I was comfortable with providing my name and address - given my documented ( with the credit report ) history of identity fraud, I was unwilling to provide further details of my identity that would leave me once again vulnerable to identity theft. 

Equifax continuously refuses to correctly report information and further victimizes me by failing to remove the fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Penn Credit Corporation
State: PA
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 a debt that is dated from 2011 that is reporting on my XXXX   credit report monthly impacting my credit scores monthly. This is not a revolving debt. This is a debt for XXXX that was not my debt. Ive requested the original documentation to confirm the account information but have not received any written verification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I disputed a public record appearing on my Equifax report. The item has been paid in full and has been released/dismissed by XXXX XXXX 's District court. I requested the item be removed from XXXX, XXXX, and Equifax reports via dispute investigations. XXXX and XXXX removed the public record with no further action on my part. However, Equifax continues to report the item despite the item being released by the court. In addition, I was told on XXXX/XXXX/XXXX ( via phone ) that the item would appear on my file until XXXX XXXX or XXXX because of Equifax 's internal retention policy. The crux of my complaint is that credit reporting agencies should be consistent and accurately report personal information. Failure to do so affects individual creditworthiness and is an abuse of authority. All credit reporting agencies are bound by the same rules, FCRA and individual state of residency policies, which supercede internal company policy, in this instance. As a result, I feel that Equifax actions are unilateral and inconsistent. I humbly request that the public record be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have had my XXXX Credit Card for a very long time. I noticed the Card account and all its positive-payment activity was not being reported on my XXXX Credit Bureau accounts. I have been trying for 12+ months trying to get this issue resolved with XXXX and Equifax ( I started with them ). Attached is the latest volley in which Equifax states that the account is not on my Credit Report ( letter XXXX/XXXX/2016 ) and at the same time XXXX indicates that they ARE reporting to the XXXX credit agencies ( letter dated XXXX/XXXX/16 ). The XXXX parties have cost me a significant amount of lost opportunity by not performing the services they claim to provide ( fraud ). I would like this issue rectified ASAP and it 's great the State has this reporting portal. Nice job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Perfection Collection
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I setup an alarm service with third party dealer XXXX who worked with XXXX XXXX back in XXXX. Completed contracted time as of XX/XX/XXXX with written letter. the issue came XX/XX/XXXX when XXXX XXXX stated I owed a debt of XXXX. I never recvd any info from XXXX XXXX  states I owed them from XX/XX/XXXX to XX/XX/XXXX. However, they stated thats when the collection begin for approx XXXX on XX/XX/XXXX. XXXX XXXX  or perfection collection the debt collect stated ( reaged the debt to state the collection begin XX/XX/XXXX which is incorrect. This company has perform Financial defermation of my character. not to mention has commitment an illegal act on me. I have spoken with XXXX  who states the debt is approx 233 and the date the collection started was XX/XX/XXXX. eventhough I have never owe the debt to begin with it is now out of the statue of limitation of 7 years and MUST BE REMOVED

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm ending a covid forbearance program and want to resume payments. This company has locked me out of my web account and will not answer their phones. I've tried over 20 times to call 5 different phone numbers and can not get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
During the past year leading up the new year of 2015, I have sent several correspondence to Equifax, disputing derogatory information that has appeared on my credit reports. I have been accomodated by the other bureaus ( Transunion, Experian ) to be able to dispute items online, receive reports, etc. Equifax has not provided such accomodation. I tried to file an online dispute to remove a negative item only to be told I could not based on the information I provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My car loan stopped reporting in XXXX of XXXX after filing bankruptcy chapter XXXX. My bankruptcy was dismissed as of XX/XX/XXXX I have been contacting XXXX XXXX since the bankruptcy was dismissed to get my car loan back reporting since it was deleted from credit report. I have had 3 investigations open with the bank on why its not reporting only after being told its been reporting every month. XXXX XXXX assured me on XX/XX/XXXX that my loan was submitted to the credit bureau for reporting I have contacted XXXX and TransUnion every signed day since and they advised me once they receive an updated electronically they can see it right away and nothing has been reported to them today is now XX/XX/XXXX XXXXXXXX XXXX says it can take 30 days to show up once reported but the credit bureaus state differently that information is updated once received a d if it was sent electronically they should be able to see it now. This car loan not showing on my credit is damaging to me no one will take my car as a trade In because there is no history of the loan! I have 3 years of on time payments the car loan was open in XXXX of XXXX. The longer this does not report the more my car value will continue to go down and I will be more upside down in this loan. I have made every attempt to rectify this own my own and nothing has been resolved ive spent countless of hours on the phone with XXXX XXXX and I am receiving mixed information. I can never get a straight forward answer or resolution regarding this. I should not have to file an official complaint against a bank to have my loan and payment reported its my right to have my information reported correctly.

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 2022-01-21
Company: EQUIFAX, INC.
State: FL
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 contacted ALL companies involved, I have disputed the accounts over and over again, and XXXX  XXXX keeps coming back with information accurate, XXXX  keeps sending this account to different collection agencies knowing that it is fraudulent, XXXX XXXX is not accurate, Previous account was paid and closed, XXXX stated they bought all XXXX 's companies accounts, I advised my account was paid and closed and no account should have ever been opened under new Management that would be fraud. 
I dont know how to get these items removed from credit report as they are affecting me in many ways. Most recent contact was XX/XX/2022. What do I need to do to get these accounts removed from my Credit. I have locked and Froze all my accounts. I have Disputed these and nothing is being done. Need help getting these removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed the negative reporting on my credit file - XXXX XXXX XXXX XXXX. I disputed it with all other credit bureaus and it was not verified - Equifax continues to say it was verified with them, they will not delete the account but they will delete the historical account information. i do not understand what that means, i asked for explanation but i get refused. So i 'm filing a complaint today because I would like to request the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). this request is within my rights. when i called equifax in regards to this request the agent told me she was not allowed to give me this information. under the FACT act i 'm entitled to a copy of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XX/XX/XXXX, I discovered that there were fraudulent credit inquiries on my report at Equifax corporation, lingering from a MAJOR identity theft incident XX/XX/2014. After a long search, I was able to get a telephone number ( ( XXXX XXXX XXXX ) at which I could speak to a Live Equifax customer representative. I called them XX/XX/XXXX, and the representative had told me to fax a copy of the police report, along with a statement and the last XXXX digits of my social security number, and request the dates of the fraudulent inquiries to be removed. I faxed them initially with this information around XXXX XXXX, and was told to call back in 72 hours to inquire if it was posted. I did so, and there was no record of my faxing the documents. I decided to fax them again, but I also called a second time around the time of XXXX XXXX. The XXXX representative told me I needed to provide my FULL social security number in the statement, along with a photo ID and a copy of the original police report. I faxed again from my house fax, this time I got a confirmation. In the days that followed, I got a letter stating that I needed to provide PROOF of my social security number also. This is a ridiculous and unfair way to treat a victim of identity theft. I am filing this complaint against Equifax so that the CFPB can instruct the superiors at Equifax to train the representatives in giving CORRECT information the FIRST time. Please inform Equifax to send a FINAL list of information necessary for me to send them so that this matter can be cleared up permanently. This has now taken countless hours of my time to resolve. The other XXXX reporting agencies were nowhere near as difficult to deal with as Equifax is. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: DC
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:
In reviewing my credit report I noticed a couple of discrepancies. Subsequently, I reached out to XXXX and inquired about the status of my loan during the time that the delinquencies were reported XXXX XXXX XXXX & XXXX XXXX ). Their correspondence to me confirmed my initial thoughts which were that my account was in forbearance beginning in XXXX of that year until XXXX of the same year, 2018. After receiving their correspondence I wrote to have the two delinquencies retracted from my credit history. Their response was that they would not remove the inaccuracies because the delinquencies occurred before the forbearance start date. However, as indicated in their previous correspondence my forbearance spanned from XXXX till XXXX and the inaccurate reporting occurred in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$86.00} XXXX  XXXX XXXX {$1100.00}

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 2015-06-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My address on my credit report has several variations which occur when people enter the information incorretly, I have an address reported on my credit that I have never resided and never lived, and I have a name on my credit that isnt me as I have never been married and I only have XXXX legal name and have never used an additional name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: ERC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Enhanced Recovery Company Alleged Amount owed {$78.00} Account XXXX Original Creditor : 11 XXXX XXXX Original Creditor Information Enhanced Recovery Company XXXX XXXX XXXX XXXX, FL XXXX XXXX Enhanced Recovery Company executed continuous collection calls against me. Spoke with company in XX/XX/2020. I explained 1 ) their company information regarding me was incorrect 2 ) I do not owe money to Enhanced Recovery Company and 3 ) Please stop all phone calls immediately. Enhanced Recovery Company continued with its numerous collection calls. Days later, I filed a disputed with Credit Reporting Agency. Enhanced Recovery Company conducted an investigation. Investigation appeared to have concluded Enhanced Recovery Company was indeed reporting erroneous information. Enhanced Recovery Company supposedly removed their erroneous information from the credit reporting bureaus. However, Enhanced Recovery Company did not remove their erroneous information from all credit reporting bureaus ( this information was deleted from Experian but continues to be be erroneously reported to XXXX  ). As Enhanced Recovery Company 's erroneous information continues to appear and or reappear on my credit report, I continue to suffer damages due to Enhanced Recovery Company continued and erroneous reporting. My credit score is lowered because of Company 's erroneous credit reporting and I have been denied credit due  to Enhanced Recovery Companys ongoing erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Security National Automotive Acceptance
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Security national repoed my car when we had automatic payments saying we were 2 months behind and were not. They say we owe XXXX online, XXXX on the paper they sent us and 500 and something on the phone when they call. We only are past due XXXX dollars. They have the due date wrong in their system and whenever we fax the paperwork to have them change it they loose it each time and wont change it to the correct one. They are now telling us we are 3 payments behind and we are not. Im so tired of this company.

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 monetary relief