BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I got laid off in XX/XX/XXXX and one of the first things I did was contact Rocket Mortgage to put my loan in forbearance as everybody recommended. I was never told that the credit I have spent my life maintaing in peefect shape would forever be ruined. I keep an eye on my report weekly if not daily and as the months went by there were no impacts on my credit report. Then when I get a new job in XXXX and became financially stable I contacted Rocket Mortgage to begin payments. Instead of letting me begin payments they kept putting it off until finally in XX/XX/XXXX they set me up to begin making payments. Immediately afterwards my credit started showing me being extremely delinquent and irradicating 15 years of hard work. 

If I were either told my credit would be ruined or saw any impact to my credit, I would have either not gone into forbearance or ummediately cancelled it no matter what I would have had to do to make the payments happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: MA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediatelXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: GA
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:
Bankruptcy still on my credit report

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-03
Company: EQUIFAX, INC.
State: SC
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 other attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint about specific records in my document as a result of their misbehavior. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, block the mention of any information in my credit report that resulted from alleged fraud. According to Section 605b of the FCRA, CREDIT BUREAUS is required by law to remove any ITEMS or information discovered to have been opened as a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX : {$6000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Credit Card company closed account without notification, they say because there was no activity in 2 years. The last activity was a promotion with an expiration date of XX/XX/2021 of which, was paid off early. There were XXXX reward points I was saving and planning to use for specific XXXX  services, and now they are saying rewards points were closed when the account was closed. They claim the terms and conditions allow them to do this without notification.

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 2023-10-29
Company: Experian Information Solutions Inc.
State: MA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -or- XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Your Account XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) + XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX {$3500.00} ( Credit Card Opened by the Thief ) Delete XXXX XXXX  XXXX, XXXX report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Copy of Credit Report

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 2023-04-04
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: Account status incorrect

Complaint:
I filed a complaint in XXXX for XXXX XXXX XXXX and it has not be responded too. I have sent letters to XXXX XXXX XXXX and to all 3 credit bureaus and have not received a response. It is obvious this company is committing fraud and list erroneous things on my credit reports. 

My initial complaint is as follows : In XXXX on XXXX  I refinanced my home loan from XXXX XXXX XXXX  to a new lender, XXXX XXXX XXXX XXXX. My closing date was set for XX/XX/2023 and payment for payoff was sent to XXXX XXXX XXXX on XX/XX/ ( a XXXX  ) via a wire transfer. XXXX XXXX XXXXXXXX sat on my payment for almost 2 weeks and listed my payment for the month of XXXX as " Past due over 30 days '' on my credit report. That erroneous status has dropped my credit score of over 150 points. I have attached documentation from my closing disclosure that shows when the payment was sent. I has also attached my conversation with my new lender that shows the payoff amount was sent when it was. It seems as if XXXX XXXX XXXX  is practicing some shady business as a vendetta for loss of business. I am not sure if this was a mistake on their part or plan to ruin my credit since I took my business elsewhere. I would like the status of " past due over 30 '' and the late payment removed from my credit profile ASAP.

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 2023-09-26
Company: EQUIFAX, INC.
State: AL
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:
I have a unauthorized inquiries on my credit report with equifax Ive sent dispute letters Ive called now Im submitting my ftc complaint attached below

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Columbia Recovery Group LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the 3rd time I've had to file a complaint on this business and I will not stop until this injustice is corrected. 

This company is willfully and blatantly non-complaint with their debt collection practices. 

1. I never received a notification within 30 days of this reporting on my credit report. 
2. When I requested validation of debt, they sent me paperwork with someone else 's name on it. 
3. When I dispute with the credit bureaus, genesis " verifies '' that they are reporting the information correctly, but it's blatantly inaccurate. 
4. The collection failed to prove that they own the claimed debt. 
5. When they found out that they are ignoring federal law and the name on the paperwork doesn't match my name, they sent me a handwritten. 
6. The company is illegally charging interest. It's not legal for a company to charge interest unless it's specifically written in the initial contract. 

I know the CFPB is searching for some Class Action Lawsuits and I think this would be a great company to investigate. If I've had these problems resolving something that is blatantly misleading, inaccurate and unverifiable - just imagine how many consumers are being violated by this company.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted multiple disputes, letters, and complaints. I have requested that inquiries, names and addresses be investigated. I am aware of my responsibilities to reach out to companies, which I have multiple times, but as a reporting agency it is your responsibility to report accurate information. My identity has been, and might still be at risk. Please complete an investigation into these concerning errors, and by not doing so you are in violation of my rights, according to FTC. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

" The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, XXXX XXXX, and Equifax ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Chime Financial Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom This May Concern, My name is XXXX XXXX and I write you this message seeking your help. Over the past 3 months, it has come to my attention that my identify has been stolen. As of now, more than 5 accounts have been opened in my name dating back to XXXX of XXXX. I have only recently found out about these fraudulent accounts as I started receiving letters from collections agencies. I have been working with that collection agency and XXXX to help resolve these matters. 

To date, I have commenced the process with all the financial institutions that allowed accounts to be fraudulently created in my name except for one. That one institution that has refused to help me has been Chime Bank. I reached out to Chime on XX/XX/XXXX asking for help. Over the course of 9 days, I emailed their customer support team XXXX additional times asking for their assistance. In my emails, I repeatedly asked for a phone number of someone in their fraud department, so I could speak directly with a representative to solve my problem. Each time the representative from Chime refused to provide me with a contact with whom I could speak. 

Chime consistently said that they needed a police report to be filed, in order to further assist me. As you will be able to see from the email chain I repeatedly informed Chime that I was unable to file a police report at this time for the following reasons : I didnt open the account, so I dont have the account information I dont know where the account was open, so I dont know which police department to file a report with I dont know what was purchased, so I dont know what to claim was fraudulently purchased I dont know when purchases were made Chime continued to ignore my requests, which leads me to writing you this letter. I have nowhere else to turn. I have done nothing wrong. I am simply trying to address these issues of fraud that have occurred in my name. Chime has made it clear that do not intend to help me, the victim. 

I have also provided a PDF copy of the email chain between myself and Chime as proof that they refuse to assist me. I need your help. Please let me know what I can do to address this. This is both stressful and time consuming. To me, this is just an example of a big institution allowing fraudulent transactions to take place without any regard for the victim. Why is it ok for them to ignore my pleas for help when I have done nothing wrong and am not able to provide what they are requesting. Thank you for taking the time to read this message and I very much appreciate any assistance you can provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Complaint against : Wakefield & Associates Wakefield & Associates XXXX XXXX XXXX XXXX XXXX, TN XXXX Stated Amount Owed : {$2100.00} I have sent certified mail requesting proof of documentation on these dates to this company. XX/XX/22 and XX/XX/22. 
I have yet to receive proper documentation or an explanation of these charges. 

This has been affecting my credit profile for too long. It needs to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Modifcation errors. No one made any effort to correct the account and continues with XXXX XXXX, Executive Resolution Specialist in Customer Care and XXXX XXXX. In reference that was told by XXXX that Miscellaneous Fees assessed XX/XX/2006 of {$4700.00} was because of Wells Fargo Home Mortgage initiated foreclosure as allowed by the terms of your Note of Security Instrument on XXXX XXXX was told was due for XX/XX/2006 XXXX XXXX, XXXX payments. Payments was not even applied to account customer acct activity statement. I was told by XXXX that the foreclosure action is allowed by the mortgage documents and applicable laws. I was not informed of any fees nor any foreclosure shouldn't of taken place. I have been getting wrong information miscalculations and errors on this loan. On the U.S Department of Housing and Urban Development form doesn't have a checkmark of which type of loan this was if Conventional or FHA. I was told was XXXX XXXX Conventional loan.

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 2023-01-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Barclays is asserting a XXXX XXXX XXXXXXXX ( the " Card '' ) was opened by me, and I am required to pay the outstanding charges. The Card was opened fraudulently ( i.e., not by me ) and the items purchased using the Card were not sent to my home. This point was verified with the business where the purchases were made via the internet ( i.e., Banana RepublicXXXX XXXX via their Research Department ) and was conveyed by me and Banana Republic to a Barclays representative via a conference call. The Card was opened XXXX and Barclays emailed me on XXXX re what it believed was fraudulent activity on the account. I called Barclays that same day to confirm the Card was fraudulent, and the purchases were fraudulent as well. I have been discussing this matter with Barclays for approximately eight ( 8 ) weeks. Barclays conducted their investigation and concluded that the account is mine and I am responsible for the charges. This is despite the facts as stated above. I would note that more than one Barclays representative asserted that the purchases made were indeed delivered to my home, whereas it has been confirmed with XXXX XXXX that the purchases were not delivered to my home but were instead sent to multiple unrelated addresses. I strongly believe that Barclays did not conduct adequate due diligence and I believe this is a bad-actor pattern by Barclays to strongarm/stonewall/impede consumers who have suffered this type of fraudulent activity from resolving these matters efficiently and accurately. I strongly and firmly believe Barclays lack of truthfulness, unwillingness to work with me, and throwing up roadblocks throughout this process is simply Barclays trying to wear-down consumers and recoup losses from consumers who have been victimized in order to mitigate Barclays losses .

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 2023-04-06
Company: Experian Information Solutions 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 patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation