BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today XX/XX/2023, I received a random text message saying welcome to XXXX Mortgage as of XX/XX/XXXX we will be the new mortgage service provider for your account which was held with Rocket Mortgage. It is my understanding that I am to receive a 15 day notice from the new mortgage servicing company and a 15 day notice from my current mortgage servicing company regarding the sale of my mortgage. I have received nothing from either company and supposedly the transfer takes place tomorrow. I have no information on new account numbers, how to access mortgage information, how to pay mortgage, status of escrow account et cetera. I do not know if the text message is a scam as I have received nothing official.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past XXXX  years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next XXXX business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We had an appointment to close on our Refinancing on XX/XX/2020, but due to the covid19 we were afraid to meet Notary in a public place. ( My husband has a XXXX XXXX ) So the only day we could close was the XX/XX/2020 at our home. Freedom Mortgage ( my current lender at the time ) was suppose to be paid-off from XXXX ( new Lender ) They did not get their payoff until the XX/XX/XXXX. The Mortgage companies blame each other and myself. Freedom Mortgage reported to Credit Bureau that I had a late/ or missed XXXX payment. This really dropped my score, lowered one of my credit limits and I could not return my leased vehicle to get another one. I am a XXXX XXXX XXXX Veteran with XXXX  difficulties and I did not understand about this payoff system. I was told by XXXX XXXX XXXX not to pay XXXX and XXXX payments because it's to be paid off. Please Help Me. This was not my doing, my credit is all messed up and I am very XXXX. Can you PLEASE REMOVE this late/missed payment from my credit report?? Thank you, 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 2023-06-01
Company: WLCC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I submitted an XXXX revocation on XX/XX/2023. I have signed up with a debt consolidation company and this account was included. On XX/XX/2023 Explore Credit debited my account for {$150.00} which caused my account to be overdrawn. I contacted the company about the revocation and they said they received the revocation in plenty of time but would not honor it until I send them 3 months bank statements, a copy of my drivers license and of all things, a selfie. I advised them they were not getting that and that the XXXX revocation should be enough. They advised until they received all of those documents they would not honor the revocation and would continue to debit my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian and XXXX is showing XXXX XXXX on my Credit report.. I have never had an account with XXXX XXXX and the credit bearues refuse to remove them

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 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023 I sent a letter in regards to a company in violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) I did not get any correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Collins & Hilton Asset Group, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection agency is Collins Asset Group. I was not informed of this debt until it showed up on my credit report. I was not given a notice of chance to dispute the account or the amount that its stated I owe. I have disputed with the credit agencies and collection agency and still have not been sent information about the debt and that it is mine and what is owed on it. This is reporting to my credit and it is hurting me and they are not providing me with the information needed. The original company is 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 2022-05-16
Company: Factor Trust
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i am a victim of id theft due in part to the XXXX data breach. i am a member of the class action lawsuit against XXXX and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and XXXX  witch shares information with all the major credit reporting agencies. after filing over 26 ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: NY
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:
DELIVERED ON XX/XX/22 VIA CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX this correspondence reminded Experian of their duty to correct report consumer credit. how they were in violation of FCRA 616 & 617 and how the companies that are listed are not providing contracts but are allowed to continue their predatory debt collection actions by reporting information on my credit report.

15 USC 1692 ( d ) ( 1 ) puts emphasis on consumer credit and debt collectors, should they ever step in their attempts to collect a debt.

to further remind this consumer reporting agency that for each unverified account lies a {$1000.00} violation. 
companies have until this day, have yet to provide a lawful contract. 
according to the FCRA any letter that is sent and unanswered is a result a 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 2020-06-11
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have 2 accounts with Comenity Capital bank. One is for XXXX XXXX and the other is for XXXX  XXXX I have paid off both collections. I was advised by the collection agency XXXX XXXX  that the accounts would be updated and removed rom my report. They have not been updated by either party. The original party or collection agency. I have reached out to both parties and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & 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 non-monetary relief
Consumer complaint received 2023-03-22
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate the account ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$260000.00} this complaint will serve as a follow-up to my prior complaints

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 2023-08-10
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 items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$40000.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've provided all essential documentation and I urgently request a detailed review of this situation. These unauthorized inquiries on my credit report are a source of great concern for me. I hope you can swiftly address and rectify this matter, given its importance.

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 2023-04-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/XXXX my car was repossessed. Bank Of The West stated I was behind 3 months, but that was not the case I agree I was behind but I always make sure it was not 3 months. I got sick with XXXX  and started falling behind on bills but this in particular I new I I could only if you have more than three months so and XXXX are you, XXXX I cant find it. What are the stats on XXXX of XXXX I send two payments of {$560.00} an accident when I noticed that I called the bank because it to my financial situation I couldnt make those two payments so I told them I need one return if that was possible they said yes it was possible they will send me {$560.00} back to my account. Around XXXX, I called again because they never sent me anything to my bank nor did I received a check on the mail they told me the check was mail for me to wait about 2 weeks and call them back if anything was received again. So I waited and at this time I keep making payment and was still behind 2 payments. Around XXXX since XXXX didnt received the check I told them to just apply that money to my balance and they said they would but never did. In XXXX I email the bank and told them again to apply it to current balance but they never did. When the repossessed my car I call the bank immediately to see why they had done that and the guy who answer the phone told me it was a mistake that I was not behind 3 payments that a payment of XXXX was never apply to my loan for me to call another department and he provided me with the number. When I called over-there I explain the guys and he said the bank had the right to repossessed the car after one missing payment I told him that was not in the contract and the said he didnt know what contract I was talking by about for me to wait a few days and then call back. When I call back in about a week they told me in order for Me to get the car back I needed to pay {$3800.00} at front and I could go pick up the car but didnt had the money for that at the moment. About a month later I got a letter stated they had sold the car for {$19000.00} and that there was a balance reminding of $ XXXX since the mount left on the loan was XXXX for me to start making payments on that or they would sent me go collections. I feel the bank didnt respect the contract and I understand I was behind on payments but they should of fixed their system and apply the {$560.00} they had somewhere and I never received. At least I should be charged for the reminder amount since they never took the time to review my account in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: CA
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:
There are several incorrect items on all 3 credit bureaus. The items, accounts, and collections are fraudulent. They do not belong to me. Some of the items include, names that are not mine, social security numbers, as well as multiple addresses and phone numbers of which have no relation to me. I have contacted experian, XXXX, and XXXX to delete the information to no avail. I have also contacted the reporting companies with no change.

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 2023-08-09
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:
XXXX XXXX XXXX company is currently reporting a negative listing to the XXXXhree major credit bureaus ( XXXX, XXXX XXXX, and Equifax ) regardingt Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: MI
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 a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
When I checked my credit report and discovered late payments on the following dates, I was astounded. I know that I have the right to know where this negative items a re coming from and delete them immediately since it was a clear violation of 15 USC 1681 section 602 A which states I have the right to privacy.

Company response to consumer: Closed with non-monetary relief