BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/23 I contact Rocket Mortgage verify XXXX amount for new small house purchase building. Service rep verify. Then XX/XX/23 I called Rocket Mortgage service financial to get mortgage rates lesser than current mortgage rates and the small loan I could use from equity. XX/XX/23 I was told from Rocket Mortgage service rep not financial services I don't have equity for small house building. I asked for a call back I reported to FTC the harassment service employees give me when I call to verify Acct mortgage status of mortgage payment because money stolen and payments not applied. This does effect my credit score and purchases with credit company and using my credit to do business as XXXX  and personal working.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: EQUIFAX, 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:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, Equifax and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX XXXX XXXX is still reporting this fraudulent information to my Equifax Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
on XX/XX/2021 I opened a safe balance account online using my payroll check of over {$600.00} as my account opener. On XX/XX/2021, I attempted to login to my app and received a " account locked contact customer service @ XXXX '' error message. I placed the call and was told I would have to go to a branch to verify my identity, which I did. At the same time, I was told I had a positive balance of of {$650.00} and could make a withdrawal from the teller, which I did for {$400.00} leaving a balance of + {$250.00}. Shortly after that, I deposited a mobile check for {$520.00}. On XX/XX/2021, again I attempted to login and received the previous error message along with 3 emails stating a hold was placed on my account. Contacting the same previous number I was told that my acct was being closed by the Risk Dept. due to lack of identity verification, which I told them I had done the day before. I was then told it didn't matter the account was already being closed and it was not reversible, so I asked about my balance and was then told I was overdrawn by {$400.00} and I would have to pay that before I could be set up with a new acct. None of this makes logically sense, nor does it in anyway seem legal. I have contacted my attorney who suggested that I attempt to resolve the issue with a supervisor or manager before he makes any court filings so that is what I am doing now. All of this has not just caused me unnecessary stress but put myself and my family into serious financial hardship and suffering. We were force to miss XXXX with family due to lack of funds to travel, I have no way to pay for the propane that is for cooking and heating my home, my mortgage payment, car registration and insurance are now all past due resulting in late fees totalling {$350.00}, all caused by poorly trained bank employees!

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
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX account number XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent my detailed dispute to this company on XX/XX/XXXX with clear instruction on whats derogatory and needed deletion from my credit report. But to my surprise, this company neither investigated nor did they delete anything from what was erroneous from my report. This letter is a direct notification that I need this frivolous account removed from my reports. 
Attached here with is the dispute letter I sent to this company earlier. For yet another time, these accounts are frivolous and I need to be removed from my report asap : XXXX XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$10000.00} XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$13000.00} XXXX   Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$9000.00} XXXX XXXX/XXXX  Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$11000.00}. 
XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance XXXX XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX XXXX Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date XXXX XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} I am looking at filing a law suit against this company if it doesnt address the issues at hand.

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 2023-01-28
Company: Experian Information Solutions Inc.
State: AL
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:
The following document attached with this letter is an FTC Report. This document is proof that I was victim an identity fraud victim. 

Your company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully. 

Please also be aware that any negative mark found on my credit reports for a debt that I dont owe, is a violation of the FCRA & FDCPA. Therefore, I demand that you permanently delete all fraud lent accounts that were opened as a result of identity theft. Along with the XXXX Police Report are copies of my most recent credit report receive by your company, highlighting all fraudulent accounts open AND inquiries made with my stolen personal information. I personally pointed out all fraudulent accounts to make it easier on you to process my request. 
Failure to respond satisfactorily within 30 days of receipt of this letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for XXXX. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : 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 explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 writing to express my dissatisfaction and concern regarding the second unsuccessful attempt to expedite the removal of fraudulent items from my credit file. Despite my continued efforts and the urgency of the situation, the fraudulent entries persist on my credit report, causing significant distress and adversely affecting my financial standing. 

I understand the importance of promptly addressing and rectifying fraudulent items to safeguard my creditworthiness and financial well-being. I have previously submitted identity theft affidavits, police reports, and supporting documentation to expedite the removal process. However, it is disheartening to note that these efforts have not resulted in the desired outcome, and the fraudulent items remain unresolved. 

The persistent presence of these inaccuracies continues to hamper my ability to secure credit, obtain favorable interest rates, and manage my financial affairs effectively. 

I urgently request an immediate and thorough reinvestigation into this matter with a commitment to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this second complaint and providing a clear plan of action to address and promptly correct the fraudulent items. 

Failure to resolve this matter expediently may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have attempted to fix fees charged through sams club credit account handled by synchrony bank, by calling, in, and I always get representatives in another country who can barely speak English. I went ahead and just called this morning, since I received a late statement. Making my payment late and their rhetoric, is to repeat the most recent information on the card. I asked about the fees and she simply brushed me off. I requested a change of address and she placed me on hold over 10 minutes. This is unacceptable. I need customer service in the US or a creditor that will actually service the needs of the public before placing the needs of the bank first.

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 2023-02-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We accidentally made XXXX payments in XXXX month in XX/XX/XXXX. The loan service company, LoanCare, applied the XXXX payment to the principal. We asked for that payment back. it has taken 5 months and ridiculous hoops for us to jump through. We have been in contact with them about twice a week for the last month. All our home mortgage payments have been on time during this. 

They finally wired the money back to us on XX/XX/XXXX. But they wired it to us twice!! We did not even notice receipt of XXXX or both until a few days ago and we called them to figure it out and how to repay them. In fact, it all felt like a scam! 

In the meantime, we received XXXX certified letters from them over the last 2 days. They were both dated XX/XX/XXXX. 

The first one said we were in Default and it threatened Foreclosure at least 6 times. It also said we had not been in contact with them despite many attempts to reach us. We called them immediately, ie., yesterday XX/XX/XXXX. Apparently what happened was that, in order to pay us back, and to repay themselves the double payment they had erroneously paid us, they reversed XXXX past mortgage payments. Then they reapplied them. According to them, this negated our XXXX XXXX, XXXX payment, now making us 5 days late ( after our XXXX XXXX grace period ) for our XXXX house payment that we had made on XXXX. This all made little sense to us, but we asked what we needed to do. We made another XXXX House Payment yesterday, over the phone, which was noted as posted immediately. By the way, that letter we received was described as a canned letter. We were told that no late notice would be sent to a credit bureau. 

The second letter arrived today. Again, it was dated on the same day as the first " canned '' letter, and was also a certified letter. But this time, it was a Notice of Default and Intent to Foreclose!! It was also full of lots of wrong information, including that a repayment was due back in XX/XX/XXXX and that it was due by XX/XX/XXXX. 

We have been dealing with these idiots for 7 months now! It makes us feel like all they want is our house, which has increased in value by XXXX XXXX dollars in 4 years. We are both elderly, at XXXX and XXXX years of age. We are feeling that this is all elder abuse, never mind pure stupidity and worse professional or administrative ability. But seriously, my husband has had a XXXX and XXXX XXXX and does not need this stress. Neither do I, as I have XXXX XXXX 

Please Help us. The company is Loan Care, a service company for XXXX. 

thank you

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent the following letter to XXXX XXXX and Transunion all failed to respond, between the breaches and not keeping our information safe this is ridicolous YOU ARE BREAKING THE LAW UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE ( CREDIT CONTROL CORPORATI ) MY REQUEST TO RELEASE INFORMATION TO YOU, ( XXXX, XXXX or Transunion ) I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( S )! 
- Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
I reserve the right to protectthe privacy of my personal information and medical records from all third party reporting agencies. 
Please send the above requested information to my mailing address listed above. 
This letter is a request for validation and I request full documentation containing all information you received from the service provider of this alleged debt. 
53 MEDICAL COLLECTION REMOVAL Continuing to report this Medical debt without properly validating and providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ). 
You have 15 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act U.S. DEPARTMENT OF EDUCATION Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-09-09
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account information incorrect

Complaint:
On XX/XX/XXXX I sent proof to Chex Systems of the reporting error showing a different account closure date and different account balance. Their response was a confirmation of their original reporting, and a contact address for the creditor, which was incorrect. 
I sent a certified letter to the creditor with the same proof of the error I sent chex systems, but my letter came back as a bad address. The other address Chex systems listed for this creditor is also incorrect. I am not able to submit my proof to the original creditor and this remains an item on my chex systems report despite, me providing proof it is incorrect. 

This error is extremely detrimental, costing me jobs, loans and the ability to open a checking account. I need it fixed immediately. Chex systems has taken over 75 days to address this issue and it is still not fixed. 

The other party wrongfully reporting/verifying this debt is 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 2023-01-06
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Specialized Loan Services ( XXXX ) sent me communication that there is a shortage of {$130.00} when they charge me for XXXX  taxes ( set by state of XXXX ) and insurance premium by my insurance company.That because of the shortage my payment will be higher By {$11.00} starting XXXX.My insurance payment had already gone up because the insurance company increase their premium up to {$700.00} for the year.The state of XXXX charged me about {$4400.00} taxes for $ XXXXThose are the legitimate charges that can be billed to me for XXXX.Any amount higher is illegal and unauthorized. XXXX billing of {$130.00} XXXX therefore is illegal and without merit because XXXX has no such authority.Therfore pls order SLS to recind that amount.. SLS have been doing this for several years to me and XXXX accounts similarly situated like me. I talked to XXXX, ID XXXX of XXXX to no avail.

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