BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2021-02-12
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance of my mortgage to get cash out for a few home updates. My husband is a veteran so we applied for a VA loan as they typically have less fees. I was asked if I had any delinquent XXXX loans. I explained that I had never been to college so that was not even an option. 
I was told it was my job to figure out why a XXXX report was showing a defaulted account. I called the number provided to me by the director over our mortgage processor. I spoke with 4 people within the federal department of education who took my social and DOB and confirmed all 4 times that nothing was showing under my information. I provided this information to rocket mortgage with the supervisors ID number and name. They told me they are still showing it on the caivrs report. I asked the director to be on the line with me when I verify, he refused. I asked him to call to verify, he refused. He has given us zero options and only makes excuses how its not our fault, its not something we can change I find it hard to believe there are zero options for them to verify that I do not have a delinquent loan. We were also asked to sign an intent to proceed where it showed we would owe them XXXX at closing. our current mortgage is only slightly over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
The property at XXXX XXXX XXXX XXXX XXXX was purchased in XXXX.I have been making my monthly payments up till XXXX due to loss of employment income and had to file for XXXX XXXX XXXX which was discharged in XX/XX/XXXX. 
After the discharge the servicer ( PNC by XXXX with XXXX XXXX Mortgage ) want me to pay additional {$20000.00} ( other fees ) which they verbally confirmed over a telephone conversation on XXXX XXXX as attorney, foreclosure fees etc during bankruptcy.I don't think I should pay their attorney after I paid my Attorney over {$10000.00} during the XXXX.I am already delinquent by {$11000.00} ( see attached XXXX statement ) due to loss of employment income because I was suspended from my full time employment in XX/XX/XXXX and in XX/XX/XXXX I was asked to resign my full time appointment or be fired.I am struggling to make my monthly payments and can not afford to pay their Attorney fees etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Chime Financial Inc
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Received an email from Chime saying a debit card was sent to an old address. Called them to notify that this was a fraudulent account. They wanted personal information to verify. Not comfortable giving them personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX  account nor a USAA account and the account is fraudulent. XXXX XXXX XXXX, USAA and XXXX, XXXX  and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When my loans were transferred from XXXX to Mohela, for some reason, I lost an already-approved payment. Under XXXX, I had XXXX eligible payments, with XXXX qualifying payments remaining. Under Mohela I have XXXX qualifying payments remaining. 

Further, while I submitted documentation for the XXXX XXXX program to both XXXX and Mohela - Mohela still has not processed the submissions. Further, XXXX refused to provide credit for working as a XXXX XXXX XXXX, and I often had to triple-submit information for them to finally read it, process it, and provide credit for my XXXX  XXXX 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a persistent issue on my credit report that requires immediate attention. Despite multiple attempts to correct the matter, a late open account continues to be inaccurately reported, adversely affecting my creditworthiness. 

I have diligently followed the proper dispute procedures, providing supporting documentation and details to substantiate my claims. Unfortunately, my previous attempts have not resulted in the necessary correction, and this inaccuracy remains on my credit report. 

I understand the importance of maintaining an accurate credit report, and the presence of this late open account is causing undue harm to my financial standing. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies promptly. 

I urgently request that you conduct a swift and thorough investigation into this matter, with the expectation of the following : I have attached supporting documentation, including driver 's license, XXXX, and Proof of Address. 

I anticipate your prompt attention to this matter, and I kindly request a written response within 15 days, as stipulated by the FCRA. The resolution of this issue is critical to restoring the accuracy of my credit report and maintaining my financial well-being. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX Balance : {$160.00}.

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 non-monetary relief
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-01
Company: Rocket Mortgage, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Name is XXXX XXXX XXXX XXXX XXXX XXXX RI I am a retired XXXX and the co-applicant my wife XXXX is a XXXX XXXX XXXX XXXX XXXX  XXXX. 

We were rate searching to refi our mortgage due to rates falling and we were contacted by rocket mortgage, a division of quicken loans. We were assigned a specialist, Mr XXXX XXXX whom called me 2-3 times a day until we struck a deal and I authorized a charge to my charge card. He said that we would close in 30 days which seemed fine but not critical. I waited more then that time and became curious so i tried to call XXXX back only to get voice mail over 10 times with no call backs, of course. I tried to follow their requests on line and could not. So I tried calling XXXX again and this time he had a message that if u were in process to call processing which I did. After 2 hours I got connected and they said the mortgage co could not verify XXXX 's employment, ( she has been there 37 yrs ) so I out XXXX on the phone and she explained the Bank uses my work as verifications and informed them how to get it. A week later I get another request on line for the same info and more so I contact processing, wait on line over an hour then use the request for a cal l back. After no call for 3 hours I called client services again was place on hold and waited 90 minutes only to get dis-connected. 7 hours later I received a call back from Ms XXXX XXXX, whom was very nice. She told me the company was overwhelmed and that no-one had touched my file for weeks. She did send me a form to fax back which I did at once. XXXX agreed that the company should not still be marketing new customers and making promises that they know they cant keep. XXXX nicely gave me XXXX 's Directors phone number whom I called to explain the terrible service. His name is XXXX XXXX, phone # XXXX Being in the XXXX  I know call backs and communications are critical to business. Rocket markets itself through XXXX XXXX  as number one in  processing and service. I find all of this unacceptable and absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-01-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed a complaint and asked that the negative items on my report be removed due to enormous amounts of inaccuracy 's and the fact that upon writing the courts to ask why they would have verified incorrect information about a bankruptcy they told me that thats not possible because they dont ever verify any information and there fore they are getting wrong information from a third party and are not sharing the way it was verified thats whats wrong with using information from a third party and

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 
Agency : Experian, XXXX and XXXX Account Name : XXXX XXXX XXXX Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) 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 explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THIS ACCOUNT GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THIS ACCOUNT IS FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: General Motors Financial Company, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( GM Financial XXXX ), has violated several of my rights. 
15 U.S.C 1881 section 602 A. Glearty states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Il also states a consumer reporting agency can not fumish an account without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Affirm Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I reached out for 90 days about a debt I have no knowledge of. They left me in hold at hours at a tike just to hand uo XXXX me. This debt is orefecting me from getting a house. The debt is {$230.00}. Affirm is not trying to resolve the account they continously give 3rd party collection number who cant identify there story. They keep reporting to my credit report but fail to allow me to satisfy the debt thar I am unaware of. This is very upsetting how a company can are threats curse me out & then slam the phone in my ear. Please help. I need this resolved with in 14 days. 

Thanks

Company response to consumer: Closed with explanation