BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: PLANET HOME LENDING, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
The mortgage company made the same mistake twice. My payment came late because they pulled from the wrong account which had insufficient funds. I had automatic payments setup. I called multiple times before during and after the processing of the money.Before, I would call to verify what account it will be taken out of, and they would tell me account # XXXX the account I want. Then on payment date they take money from account # XXXX. During the time period of the processing they would tell me my mortgage is paid, and I dont have to worry. A few days later I would get a mail saying my payment is late. I called again to get that payment arranged from the right account. The first time they waived the late fee. In that call I asked which account it will be taken from for the next mortgage payment and they tell me it will be from account # XXXX the account I want. a few days beforehand I would call to verify that. They made the same exact mistake again. Processing seems takes about XXXX  days it I would receive a mail until about XXXX days later that my payment is late because they pulled from the wrong account. The second time, after seeing them pull from account # XXXX. I literally had to drive over to pull money from account # XXXX and put it in account # XXXX. It seems it was not accepted in time or something because I still got mail a few days later of a late charge. I called many times, and I just spoke to a manager now and he says they dont have notes of all this happening. They only have notes of when my payment was made, being late and waiving the first fee. They said they can not do anything for me for their mistakes, and making the same mistake twice. They ( Planet Home Lending ) are still charging me a fee for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
PLEASE CHECK ALL WIRE TRANSFERS FROM XXXX-XXXX. I SENT FRAUD INDUCE WIRE XXXX   WHILE LIVING IN ILLINOIS. SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my home mortgage with Quicken Loans on XX/XX/XXXX. The fund dispersement date was set on XX/XX/XXXX. I prepaid mortgage interest to Quicken Loans for that day. Quicken Loans did not send out the fund to my previous lender until the evening of XX/XX/XXXX. As a result, my previous lender, XXXX, did not receive the fund until XXXX on the next day, XX/XX/XXXX. 

When I first called Quicken loans about the issue, the representative told me the fund was sent out at XXXX on XX/XX/XXXX. In subsequent convesations, Quicken Loan was no longer willing to tell me at what time of the day the fund was sent out. 

Quicken Loans has refused to refund me the interest for the day of XX/XX/XXXX, in the amount of {$42.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Is it lawful for XXXX XXXX  to forclose on our homestead without the note or abstract deed? 
In Your Firm, With Great Concerns, 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 2022-12-20
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2022 I submitted a complaint through the CFPB, In accordance with the fair credit reporting act accounts XXXX XXXX & XXXX XXXX XXXX has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681 Equifax stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX was property investigated but how is that possible if the Account type is inaccurate, the account status is inaccurate, open date is inaccurate, the high credit limit is inaccurate, the date last active is inaccurate, and date last reported is inaccurate the payment history is also inaccurate. This ground for removal. 

They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I wrote TransUnion credit bureau and request an investigation regarding inaccurate information on my credit report which I am disputing. This inaccurate information includes my name, address, employment history, a car loan, ( 2 ) XXXX XXXX credit accounts, ( 1 ) XXXX/XXXX credit account, and all the inquiries on my credit report that do not reflect my true name XXXX XXXX. On XX/XX/2020, I wrote to TransUnion to inform TransUnion that they did not respond to my dispute within the 30 day deadline according to federal law. To this day, I still have not received a response from TransUnion credit bureau.

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 2021-11-04
Company: MoneyLion Inc.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021, I started receiving emails from a company called Moneylion thanking me for opening an account .... the problem is that I didn't open an account with them. I immediately contacted the company to let them know. They claimed they couldn't do anything about it and I had to contact their Fraud Dept. the problem is they gave me 3 different numbers, none of which ever lead to talking to a person. 

They used my email to set up the account, so I was able to go in and reset the password. Unfortunately, I am unable to determine what had already been done. The phone number used to verify the account is not mine but still remains on the account because they will not allow me to change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 accounts 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 removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I PLAN ON FILING A REMMISSION CLAIMS ON WWW.MONEYGRAMREMISSION.COM ( WHAT IS TAKING SO LONG? I HAVE {$47.00}, XXXX IN REFUND TOTAL. I NEED MONEYGRAM TO DOUBLE CHECK ALL OUTBOUND WIRE TRANSFERS MAKE FROM XXXX IN MY NAMES AND SS # XXXX DOB XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Experian Information Solutions Inc.
State: VA
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 contacted Experian about a fraud account and I provided a FTC report and the item is still on my credit report for XXXX XXXX XXXX. I have requested that they provide me with the information they were provided to verify this account as accurate and they have failed to do so.

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 2020-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2015, I signed a contract with XXXX XXXX  for XXXX XXXX  XXXX  services. The full amount due was pre- paid by XXXX XXXX. Hence, the XXXX  XXXX   XXXX  XXXX representative XXXX XXXX XXXX had me signed an agreement Shedule B Fee which stated total pricing amount for services for {$4700.00}. The ach payments was set up by XXXX  XXXX  as soon as i signed the contract and funds were drafted from my checking account to account ending in XXXX. I have paid amount in full and have proof from my bank statement. XXXX  sold by loan to a Portfolio recovery associates LLC. Even though i have sent support of proof of payment, portfolio recovery is still trying to collect paid debt. Need your help as my credit has been effected by this unsettled matter. Please see provided support from my bank and XXXX  XXXX letter after last payment was settled. I will provide support of contract if need, so you may see the terms. Thank you so much. I will provide copy of initial agreed contract terms if needed. 

Thanks XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name ( 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 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 than 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Experian Information Solutions Inc.
State: TX
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/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

By law this company is supposed to provide a letter or notification of debt. I have 30 days by laws to dispute. This company never provided notice of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

Respectfully, 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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It has come to my attention that these items are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any items are reporting inaccurately on my credit report they should be removed immediately XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XX/XX/2023 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 2023-04-20
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-27
Company: Spring Oaks Capital, LLC
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 original complaint was filed back in XXXX number XXXX with the text messages to me and my relatives. 

Recently, I have been emailing them and even called them because they have on my credit report via credit karma this account was opened XX/XX/XXXX which is not true! I have asked them verbally on a call in XX/XX/XXXX, multiple disputes via XXXX XXXX, emails as well as not only will no one correct this but they also will not provide me with the contract I dinged when I applied proving the card open date which is around XXXX. XX/XX/XXXX. 

Today, I get in the mail a 10 page, front and back package of statements which i did not ask for and proves nothing since it has nothing to do with my request. 

With the multiple emails I have sent, they have responded to one simply saying the debt is valid which again does not answer my questions. 

First it was the harassing text messages to my phone, my cousin, my uncle and my ex husband in XXXX and not this! 

Please see all supporting attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Credit Corp Solutions Inc.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a communication from XXXX XXXX XXXX XXXX with reference : XXXX. I submitted a letter on XX/XX/2023 questioning the validity of this debt. I sent this letter via certified USPS mail tracker number : XXXX on XX/XX/2023. I have received no correspondence in return from the debt collector as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: EQUIFAX, INC.
State: TX
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/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

By law this company is supposed to provide a letter or notification of debt. I have 30 days by laws to dispute. This company never provided notice of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 credit card account is showing negatively on my credit report when it is a fraudulent account that I never opened. The address on the account is not an address that I have ever own and this account is constantly being verified when it is impossible to verify something Ive never applied for or had in my possession.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: AL
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1. 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 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 than 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.

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 2019-02-12
Company: HSBC NORTH AMERICA 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 status incorrect

Complaint:
this is in regards to an HSBC credit card account # ending XXXX i called them early XX/XX/2018 to pay off my balance. After being transfered multiple times i was transferred to the collection department only to be told no one could take my payment and gave me # XXXX to call and pay. i called that # only to be told they did not have the account. On XX/XX/2018 I called HSBC again transferred multiple times again to be told they cant take my payment and to call XXXX XXXXXXXX XXXX. I calld XXXX XXXX XXXX and paid them in full on XX/XX/2018. They did not give me a receipt. but did say it would update to a paid in full within 30 days. That never happened. Now as of today HSBC is reporting a " chargeoff '' to the bureaus reflecting a derrogatory on my credit costing me my home loan. I want this rectified as I do not have long and want to leave a clean slate for my family. This is horrible that my credit report reflects payments on time at 100 % for this company who I have tried to work with and pay since the summer.!!! This is unacceptable and demand this be removed from my credit file.

Company response to consumer: Closed with explanation