BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-27
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Submitted mortgage payment by mail on XX/XX/XXXX. Payment was due on XX/XX/XXXX. Paid {$7.00} for 2 day delivery, which should have arrived on XX/XX/XXXX. Checked to see if payment arrived during the week. Spoke to some on XX/XX/XXXX and payment still was not received. On Monday, XX/XX/XXXX received a notice that payment was received in P.O. Box on XX/XX/XXXX and a late fee was being accessed. The late fee is {$100.00}. The mortgage is held by Quicken Loans , Inc . I was told that only one late fee can be waived, during the life of the loan which I didn't know. Going forward I will pay either online or through the bill payer, because payments just sit in the P.O. Box and appear to not get posted daily. I don't understand why it took 6 days, when I paid extra money for 2 day delivery. The person I spoke with sarcastically said that's why they encourage most people to pay over the phone. No one had ever told me that previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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: Investigation took more than 30 days

Complaint:
The Hyundai credit reporting settlement order is In the Matter of : Hyundai Capital America, Case No. 2022-CFPB-0005, before the Consumer Financial Protection Bureau XXXX 

This complaint falls in line with the above class action suit that was filed. I am a consumer who has an account with XXXX. I have on numerous occasions disputed with the credit bureaus the misreporting of late payments that XXXX reported to them on my credit reports. Each time I received a correspondence stating it was verified and the late payments stayed on my reports. It is proven by the settlement that this is not the case for not only me but thousands of other consumers who have or have had accounts with XXXX from 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 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I filed a identity theft, report # XXXX and did a certified mailing to TransUnion, XXXX and XXXX. The following items are still showing on my credit report : XXXX XXXX, for {$15000.00} XXXX ( auto loan ) and XXXX XXXX for $ XXXX balance ( credit card ). I also have hard inquires remaining on my credit report. Originally there was 31 inquires and now 9 still remain. ( which are not my inquires and are unauthorized, either verbally or in writing. These inquires are as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and ( 2 )  XXXX XXXX. 

The FCRA, clearly states that, if I am a victim of identity theft and file the proper report and submit the documentation to the credit ( which I filed the report on a Federal level and will attach a copy of the certified report ). 

The credit bureaus have 5 business days to remove these items, from my credit file, per the FCRA and it has been two months and the credit bureaus have yet to remove these items as well as these unauthorized inquires. I have submitted two identity theft report, with various items as the items became known to me and have yet to have these last items addressed. I have been shopping for a home and these items are causing me financial harm, as I am unable to receive a home loan as long as these items remain on m, y credit report. 

In addition, I have a credit account from XXXX XXXX XXXX, which was reported to TrasnUnion and as of this date, They have yet to reflect the credit account 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 2022-08-28
Company: ENCORE CAPITAL GROUP INC.
State: DE
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:
XXXX account closed paid as agreed. sold to collections agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: MARINER FINANCE, LLC
State: DE
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:
XXXX account closed paid as agreed. sold to collections agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for anv purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, 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:
stop making excuses remove these inquiries off my credit report please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paypal Case ID XXXX In short I sold a phone to a customer on XXXX. I received {$330.00} for this phone through Paypal on XX/XX/XXXX. They told me they'd like to return the phone and I said fine. After I received the phone I planned on returning the phone. I never received the phone. Then Paypal/XXXX   debited my account {$350.00} on XX/XX/XXXX even though I never received the return. Now Paypal is charging me an additional {$370.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX account XXXX XXXX  ( XXXX adverse remarks ) Opened XX/XX/2014 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

They are also in violation for the CARES ACT.

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 fair credit reporting act XXXX account number XXXX has violated my rights. 

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

15 US C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : Open Sky

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28
Company: Mandarich Law Group, LLP
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX, XXXX IL filed petition through Mandarich Law Group in Missouri Court ( XXXX ) against me for the Credit Card Accounts i owe to XXXX XXXX XXXX XXXX according to them. ( court date set XX/XX/2020 ) Those Credit Card Accounts they are trying to collect was paid by Insurance ( as per one of the agent told me ) and i was also reported to XXXX about fraudulent charges those accounts. when i found out the fraudulent charges i closed those cards immediately and filed ID theft report and frozen all 3 bureaus credit file. 
XXXX never took any action for those accounts and i was default for those accounts due to job lay-off and send several hardship application but none of them accepted. I was advised that i am still liable for those accounts and i should take care and they threatened me if i didn't take care i will be in serious trouble, that's why i send hardship application and made 3 consecutive payments, but still XXXX sold those accounts to XXXX XXXX XXXX. so now XXXX is suing me for the money i didn't owed. 
XXXX now porting to XXXX a charged off account which i never had ( credit limit XXXX ) this fraudulent account also i reported but they never deleted from my file instead they told me to send another ID theft report, i did that too.. XXXX is XXXX my credit last few years and still doing same.. every time new charged off accounts, and when you talk to XXXX agent you will get different answers from different agents. some one have to stop this! 
.I am a federal employee with limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA bought out Simple bank. The bank in which I had a checking account. However I have been locked out of my account since Saturday, XX/XX/XXXX. The bank is unresponsive and I can't get through to anyone when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XX/XX/2020

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 2020-11-15
Company: EQUIFAX, 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:
EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES, IM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS VIOLATION OF THE FAIR ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Federal Student Loans being sold and managed by ex husbands attorney. Sold and bought according to his wishes also a portion of the loans are his. Loans went from XXXX ( an email in which he set up and managed ) then to Navient. XXXX XXXX works for the XXXX. Please investigate. Taking negative legal actions and harassment into work place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: NY
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 told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete 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 explanation
Consumer complaint received 2020-11-15
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THIS SHOULD NOT NE ON MY REPORT IT WAS TAKEN OFF BACK IN 2019 AND ALL OF SUDDEN IT GOT RE-INSERTED WITHOUT NOTIFY ME I NEVER RECEIVED ANYTHING IN MAIL ABOUT THIS AND I SEE THEY HAVE A BUNCH OF THE SAME COMPLAINTS SIMILIAR TO MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: 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 accounts 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$110.00} 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 2022-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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: Account status incorrect

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

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