BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
A collection in the amount of {$630.00} reported by XXXX XXXX XXXX is posting to my Transunion report. XXXX XXXX XXXX has stated in response via Cfpb to me that they have ceased collection activities. Transunion continues to report the account after they initially removed the account once without notifying me within 5 days.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It show on my report it should be remove because it incorrect it show be deleted on my credit report Im am exercise my right to the fair credit act section 609 the request info regarding first premier bank. If you unable to verify the account with the original contact the information should be removed from my credit in 30 days.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 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 deletion 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, 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  Account XXXX XXXX  Account XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My ex-girlfriend opened a credit card with me as an authorized user, not co-signer, allowed the account to go delinquent and close, and it is now negatively affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NJ
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 personally do not know this information but it is in my report damaging my status, please remove this soon 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 2023-06-02
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have reached out to you all several times about the mortgage payment and down payment all not being what I was offered and the fact that I was taking advantage of due to being ill and never signed a promissory noteit was forged because I have to copies that was sent for me to sign because they didnt have one so the paperwork is not even legal. Nevertheless the less they have ruined my credit and I been saying they put me in a mortgage they knew I couldnt afford based on my income that was raised on all the paperwork afterwards. Now I am behind and if my home goes in foreclosure I will spend what money I do get to pay for a lawyer because this shouldve been handled before it got to the point. I have been reaching out since I got well enough to realize what they had done with no results.The most rude unprofessional people I ever worked with. I dont need another forbearance then the payments are just adding up I need an affordable mortgage payment. They set me up for failure from the beginning. Everybody wants to tell me how awful this company after I went through I want everybody to know before they sign anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Conn's, Inc.
State: NC
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:
I submitted a payment on XX/XX/XXXX of {$400.00} to cover payment for XX/XX/XXXX. Due to system error on Conn 's side, the payment did not process. Conn 's has admitted the error was on their side, but still show that my XX/XX/XXXX payment was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
mortgage company : select portfolio servicing XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX customer service # XXXX loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX on XXXX select portfolio servicing reversed a total of 4 monthly mortgage payments and their website showed that I am owing a payment as far back as XXXXthat was a total of {$2700.00}. 
I called their customer service number and raised the issue telling them their XXXX statement is accurate while their website is not.Their reply was due to a review?! 
they had to take back the 4 payments and the issue would be corrected in less than 48 hours which they indeed did the correction. 
On XXXX I connected to their website and now I see that THEY TOOK BACK 5 PAYMENTS TOTALING {$3400.00} SHOWING THAT I OWE A PAYMENT AS FAR BACK AS XXXX. 
I CALLED this morning to inquire only to be told that they are going to correct the issue in a couple of days, I told the customer service this had happened on XXXX and now again on XXXX I can't do this every 13 days I would have a XXXX XXXX, I am a home owner making his payments in a timely manner. 
First, I don't know if they are going to correct this mistake in 2 days? 
Second, why are they reversing numerous payments in the name of illusional reviews?!! 
third, they did this on XXXX after sending a resolution letter dated XXXX assuring that the next payment due is XXXX with no past due amounts. 
Select portfolio servicing is not accredited by the XXXX XXXX XXXX and my loan will be paid off in less than a year, their actions the last 14 days are incomprehensible.,.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2020-07-24
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX of XXXX, we started a refinance process with Freedom Mortgage. We currently have an FHA mortgage with this company. They contacted me because they said they could reduce our rates with a streamline loan and decrease our monthly payments. To date, we have not closed this refi. Every month it gets extended because of mistakes that they are making. Every month we are assured that it will close and are told not to make our payment. Then, toward the end of the month they insist I pay that months payment ( including a late fee ), and then the process starts over because they have to recalculate all of the paperwork based on the new numbers. We are beyond frustrated and don't know who to turn to. We have been passed along to dozens of representatives from multiple departments within the Freedom mortgage corporation, none of which seem to be able to move this along, and all of which have failed to keep their promises.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2021-03-29
Company: Bridgecrest Acceptance Corporation
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 am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-11-13
Company: Experian Information Solutions 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 Account XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction.

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 2023-06-02
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for a loan with XXXX XXXX XXXX XXXX XXXX ( XXXX ) back in XX/XX/XXXX and the escrow closed in XX/XX/2022. The loan was for 36 months and had resets at the end of every 12 months. I am attaching a copy of the appoval and direct your attention to the extension section stating " Borrower may never be late on any mortgage payment, taxes or insurance to qualify to extend the loan another 12 months at the end of the XXXX and XXXX month. These is no cost of the extension. '' XXXX sold the loan to a company named XXXX who then assigned the loan to BSI for servcing. We never received a " Hello Letter '' from the new Lender and did not get a " Good Bye '' letter when XXXX sold our loan. 

We started a refinance process with another lender in XXXX and XX/XX/2023 to pay off this loan. We were in constant communication with BSI during this process, BSI wanted us to stick with them and offered us favorable terms vs the reset but honestly because of all the miscommunication with them over the last several months we didnt feel comfortable staying with them. They continually accepted our payments. 

The issue we have is that BSI never ever gave us notice that they were not going to extend and once a demand statement was provided BSI then charged " default interest '' at an exhorbitant rate. 

Attached is the approval letter, we followed it perfectly but now they hit us with default interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I gave an consent to check credit score for honda finance then after i got into XXXX hard check of my profile without any consent. I want to report against this activity against my profile. I have just started working as professional it ruins my whole profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an existing mortgage with XXXX. In about XXXX, XXXX, at about the same time, I initiated a refinance AND XXXX advised that they were transferring my mortgage to Mr Cooper. 
Due to the timing of these events, I never made a payment to Mr. Cooper. My last payment to XXXX was XX/XX/XXXX and my first payment to my new mortgage company ( XXXX ) was XX/XX/XXXX. This is as usual, having a month ( XXXX ) with no payment during a refi. 
Closing on the refi was XX/XX/XXXX. 
I never received a bill or statement from Mr Cooper. 
I called Mr Cooper on/about XX/XX/XXXX because I was concerned that they did not show my mortgage as having been paid off, which should have happened by then. I asked if I needed to send a payment and the Mr Cooper rep told me that was not necessary because I was protected under RESPA ( this first time I had ever heard of RESPA ). He added that payoffs were taking a long time because of the volume of refis that were happening at the time. 
Eventually, Mr Cooper was paid off and I started making payments to the new mortgage on XX/XX/XXXX. At this point, I thought everything was fine. 
I then began noticing my credit score had dropped. I presumed, for a while, that this was because of the mortgage finance activity ( my understanding is that getting a new mortgage drops the XXXX score ). Then, I applied for a loan from XXXX, who I had done business with before. They declined my application for a loan ( XX/XX/XXXX ) because my credit report showed a late mortgage payment. This was when I was first aware of that something was wrong. I checked my credit report and found the late payment notice posted by Mr Cooper. 
I filed an inquiry with Mr Cooper, providing them the necessary information. I got a notice back from them saying they would need more than 30 days to reply. I never got another notice from them. 
I called Mr Cooper on/about XX/XX/XXXX to check on the status of my inquiry. I was advised on the phone that they had made the determination ( and supposedly notified me by mail, but I never got it ) that the reporting of a late payment was accurate and they would not change their report. 
Bottom line : I never got a statement/bill/accounting notice from Mr Cooper. Mr Cooper became my mortgage company, involuntarily, because my loan was sold to them by XXXX. I never made a payment, nor was I expected to ever make a payment to Mr Cooper. The Mr Cooper mortgage was paid in full, on time, under the terms of RESPA. Mr Cooper violated RESPA by reporting a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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: Public record information inaccurate

Complaint:
This complaint is regarding Violation of verification and reporting of public information. Negative items ( bankruptcy ) on my credit report ( s ), where I personally contacted the US court house and verified that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible XXXX, TransUnion, and XXXX  are reporting a negative public record item? Your assistance is greatly appreciated.

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 2023-02-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am inquiring about the lawsuit of mismanaged mortgages from XXXX. I have not been contacted and wanted to check if I am eligible.

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