BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: Rocket Mortgage, LLC
State: LA
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:
RE : Error in Reporting for Loan # XXXX for XXXX XXXX and XXXX XXXX XXXX We found an error in the credit reporting on our mortgage and submitted a dispute via XXXX and XXXX. We uploaded appropriate documents to their websites, but then someone at Rocket Mortgage responded to their inquiries that the information being reported to the bureaus was accurate. It is not. 

I then sent an email to your Rocket Mortgage 's Servicing Help email address, and received a prompt email response. The case was escalated to the Servicing Help department, and an agent called me back on XX/XX/XXXX. Im a bit confused why an agent called, as he basically said that he understood there was an inaccuracy that was negatively impacting us, but then said I cant do anything about whats being reported to the Credit Bureau. I am hopeful that you can correct this error/inconsistency in reporting. 

We original mortgage was opened on XX/XX/XXXX, with an opening balance of {$200000.00}. 

We modified this mortgage, due to the pandemic, effective XX/XX/XXXX, with a balance of {$190000.00}. 

Rocket Mortgage is reporting this mortgage to the credit bureaus with an opening date of XX/XX/XXXX, and with an opening balance of {$190000.00}. 

Obviously, Rocket Mortgage is reporting the original opening date with the modified opening balance. This is NOT accurate... and that is a problem because the FICO algorithm includes a scoring that compares the opening date and opening amount to the amount that has been paid off. With Rocket 's current reporting of the earlier opening date and the later opening balance, the algorithm results in a score that implies it took us ten years to make one year 's worth of payments. This reporting is negatively impacting our credit scores due to the inconsistency. Either Rocket needs to report the original date and the original balance TOGETHER, or they need to report the modification date and the modified balance TOGETHER... but not this mix and match. 

Could you please intervene and ask Rocket Mortgage to correct the records that are being reported to the credit bureaus to reflect the accurate information? The information needs to be corrected in the reporting for both XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management purchased my mortgage from XXXX Mortgage at the end of XXXX at that point I had my mortgage paid up until XXXX & my current principal balance was {$190000.00} Rushmore sent me my XX/XX/XXXX statement stating that I owe them {$5600.00} & my mortgage balance is {$200000.00} They are sending me collection & past due notices. 
How can they be so incompetent?? 
Not sure what is going on with this company. I have had nothing but problems dealing with them. 
I am attaching a document that I have received from XXXX Mortgage showing what my current balance is ( {$190000.00} ) & my next due date ( XXXX ). 
Rushmore already has this document & they are the ones that purchased the mortgage so they have all the details regaring my loan. ( makes sense ) Dates payments made to Rushmore : XXXX {$2000.00} [ Principal {$1600.00} Interest {$310.00} ] XX/XX/XXXX Payment XXXX {$1800.00} [ Principal {$1500.00} Interest {$310.00} ] XX/XX/XXXX Payment XXXX {$2000.00} [ Principal {$1700.00} Interest {$310.00} ] XX/XX/XXXX Payment XXXX {$2000.00} [ Principal {$1700.00} Interest {$310.00} ] XX/XX/XXXX Payment I have verified that these payments have cleared my bank & are posted on the Rushmore site. So why/how did my mortgage balance go up & how do I owe them {$5600.00}??? Why is this so hard for Rushmore to figure this out?? I have spoke with many incompetent reps & managers at Rushmore that just either hang up or disconnect my call. Is this a real mortgage company?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
PLEASE VERIFY THESE ACCOUNTS 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 2023-06-01
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for ( XX/XX/2022 & XX/XX/2022 ). Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-05-26
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I haven't received any investigation results.

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 2023-06-28
Company: RFNA, LP
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
That is a crystal a clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as a violation of its provisions. 
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this the final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
I take my credit very seriously and your lack of professionalism and assistance disgusts me. I am well aware of my rights under the FCRA and intend to pursue them to the maximum I am anticipating your immediate response This letter is a request for the steps that your company took when investigating the disputed items. 
Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. 
Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. I am also requesting the date that the supposed delinquency incurred. 

you company is reporting this account as an collections when this account has been paid in full and should be reported as such your company is also reporting collections on the same date paid in full? how? when their was never a collections or default? 

provide me the following ; PROVIDE THE FOLLOWING : LICESNES TO COLLECT IN MY STATE ORIGANAL INDEBTNESS CONTRACT WITH MY WET INK SIGNATURE COPY OF THE STATUE OF LIMITATION IN MY STATE TO INSURE YOUR IN COMPLAINCE COPY OF THE PURCHASE AGGREEMENT WITH ALL TERMS ATTACHED FULL ACCOUNTANTING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was trying to withdraw XXXX from my checking account at the XXXX XXXX minnesota branch i gave my well fargo debt card put in my pin number then i gave my minnesota driver 's license i filed out a withdraw slip then was asked if i have anything else with my name on it i said no then the teller started talking to the teller that was next to him that i could not hear what he was saying then he took my driver 's license, bank card and slip i filed ouu to the back then he came back XXXX to XXXX mins then i ask him for my driver 's license and debt card he said ok then i asked for a supervisor or manager he went to the back came back with a lady i stated to her i been here over XXXX minutes trying to get money out of my account i dont know what's the hold up she said the money is not cleared and my account yet i said yes it is i show on my phone from my wells Fargo account that the money was cleared on XXXX and i showed her my account balance that i had more then what i was requesting for long story short she refused to gave me the money on XXXX so on i left and called the wells Fargo customer service number and made a complaint and the lady over the phone stated to me the deposit was cleared on XXXX and she see the money and my account saying she don't know why she did not give me my money so i went to a different branch and XXXX  minnesota XXXX XXXX and withdrawal the money with no problem at all so i feel like i was discriminate against because i was a person 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 2023-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 I drove from my home to the Bank of America in XXXX XXXX, Minnesota to retrieve my military pension in the amount of {$2600.00} and my VA XXXX pay in the amount of {$3500.00} and consolidate with other benefits to pay for my mortgage payment for my house in XXXX, Minnesota and I was told that my funds with the bank were closed and they would not give a reason why the accounts were closed. It has cost me {$50.00} dollars in fuel costs to get to the banks using my bank card from another bank. I would like a reason why they closed my account.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do 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 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 2021-10-22
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
It has been explained to me by all three credit reporting agencies, that they do not work for constituents ... they work for creditors. Their goal is to make one 's credit scores lower, so that the creditors can charge higher rates. 

I have two legittimate loan which have been paid to a company. I have submitted Notarized statements of the significant payments and closure of accounts. Theese belong on my credit reports.

All three have refused to place these on my credit reports for " your creditor is not one of our paying Partners '', They are intentionally keeping significant information of large credit accounts paid in full ( and early ) in order to help their real clients, the creditors to charge larger interest rates. 

I demand they place the attached in my file as positive creditor Activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items 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 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 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 2023-08-10
Company: Kingston Data & Credit International Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a phone call from XXXX XXXX in XXXX XXXX, CA in XXXX, XXXX asking me to join. I declined and stated that I already have a membership at another gym in XXXX XXXX. In XXXX I got a call from Kingston Data and Credit attempting to collect a debt that I do not owe to XXXX XXXX. I have never been in an XXXX XXXX gym and I have never had a membership at XXXX XXXX. I called XXXX XXXX and they agreed that I dont have a membership there and said they would cancel the record. Then Kingston Data and Credit posted a negative remark on my XXXX XXXX credit report that I owed XXXX XXXX a debt. That is a false statement on my credit report that I demand be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: NAVY FEDERAL CREDIT UNION
State: AP
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card was stolen and used for the amount of XXXX and some change. When i realized that there was a charge i didnt make i went to the place of the charge and asked the manager if there was a debit card left there. He said someone did leave a card and showed me the card which was mine. So i took the card with me. i waited for the charges to post, because navy federal said i couldnt file a fraud complaint until they posted. The charges didnt post for about a week. Once they posted i filed the complaint. After i filed the complaint the bank credited my account for the amount that was unauthorized. Navy federal said that they deactivated my card on the XXXX of XXXX but i used that card to see if it was actually deactivated but it wasnt. So i used that card until i was able to get a replacement card on the XXXX of XXXX. I filed another complaint message to them about the charges because they said that since i used my card after the credit was issued that they would take that money back from me. They reviewed my claim and still insisted that there was no fraud. They took the money back on XX/XX/XXXX. I called to speak with the fraud department and talked to a woman that said there was no way for me to dipute their findings and it was permanent. I talked to a superviser and she said the same thing and said i should have claimed the fraud sooner and had my card shut off. I had gotten a message from them saying that it was and being me i tried the card to be sure it was. It wasnt shut off and i decided to use that card anyways because i cant just got get a new card in XXXX XXXX in the XXXX while im at work and the bank is closed by the time i get out. So i had to wait 2 days before i could get the replacement card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please see attached docs I am writing to request the immediate deletion of this information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with civil/federal court proceedings such as Dixon-Rollins v. Experian Information Solutions

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The 90 day delinquent showing XXXX is incorrect, we have not been late 90 days, we are uploading proof. We have asked mortgage company to remove but they won't and they have all our documentation and said because we finished our forbearance and now in MOD stage, they will report all lates to bureaus. What is mind blowing here is that we continued to make our regular mortgage payments and IGNORED THE MOD LOWER PAYMENT, we aren't delinquent. It's their protocal but so unfair because they are reporting to bureaus incorrectly. Please help us.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Inaccurate names : XXXX XXXX and XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ; inquiry : XXXX Inquiry Date XX/XX/2022

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 2023-04-28
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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