BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against [ name of credit reporting agency ] for violations of the Fair Credit Reporting Act ( FCRA ), which is codified at 15 USC 1681 et seq. Specifically, I believe that the credit reporting agency has engaged in actions that are in violation of sections of the FCRA, including but not limited to : Section 604, which outlines the permissible purposes for which a credit report may be obtained. 
Section 611, which requires credit reporting agencies to provide consumers with a free copy of their credit report once every 12 months upon request.

Section 611 ( a ) ( 1 ) ( B ), which requires credit reporting agencies to promptly correct or delete inaccurate or incomplete information in a consumer 's credit report.

Section 623 ( a ) ( 2 ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information in a consumer 's credit report. 
Additionally, I want to bring to your attention that the following addresses are non-mailable addresses and should be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX I have not authorized any person or entity to request or obtain a credit report for these addresses. Therefore, any information related to these addresses is a violation of the FCRA. 

As a result of these violations, I have suffered damages, which may include but are not limited to : [ describe the specific harm you have suffered, such as lost job opportunities, denial of credit, etc. ]. I am therefore seeking monetary relief for each violation of the FCRA, including actual damages, statutory damages, and, if applicable, punitive damages.

I have attempted to resolve this matter directly with the credit reporting agency, but have been unable to do so. I am therefore requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit reporting agency complies with the FCRA, removes the non-mailable addresses from my credit report, and obtains written consent from me before releasing any credit report information for any future addresses.

I have attached documentation supporting my complaint, including copies of my credit reports and any other relevant correspondence with the credit reporting agency. 

Thank you for your attention to this matter.

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 2023-04-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. 
XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Equifax XXXXXXXX XXXX XXXX XXXX XXXX  Equifax XXXX XX/XX/XXXX  Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Aldous & Associates, PLLC
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:
In XXXX of this year, 2023. I contact XXXX 's XXXX in XXXX to cancel my membership. They told me I need to email XXXX to submit a cancellation request. I submitted the cancellation request and did not receive a response. The next month, the gym tried to debit my account. I went in person to clear this up. The person at the front desk confirmed I had the correct email and they would forward my request to the appropriate person. Finally my gym membership was cancelled and then I received a collection notice from Aldous and Associates via snail mail. In the collection notice they included a self addressed envelope. I printed the original attempt to cancel my membershi and mailed it to Aldous and Associates. Last week I received a call from Aldous and Associates attempting to collect {$120.00} and they said if I don't pay it they will report to my credit. I explained to her that I mailed proof of the cancelation. She said they don't have it and she said she can email me so I can respond. This morning, I respond to the email with the attachment of proof of cancellation and this is the response I get : " You have emailed an unmonitored 'noreply ' email address. 
If you need any help, please don't hesitate to contact us at XXXX. 

Best regards, Aldous XXXX XXXX THIS IS AN ATTEMPT TO COLLECT A DEBT, ALL INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. '' I immediately call Aldous and Associates because at this point I think it's comical that someone tells me I can respond via email, communicates with me via email and then I get the response that emails are not checked. 

When I called this morning, the customer service representative that answered told me that they can't accept correspondence via email, only through their XXXX XXXX XXXX I was transferred to the supervisor XXXX XXXX who confirmed they can not accept correspondence via email and I would need to send in proof. I told her I did, send in the proof and I kept getting the run around and they are making it impossible to resolve this issue. I made it clear that they know and it is recorded that this is a bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage changed my mortgage with out telling me and brought my mortgage from {$1300.00} to {$1700.00} and that one month I was a week late for my mortgage.

After contacting CFPB they allowed me a modification but they are holding onto my CA Mortgage Relief of {$38000.00}. 
I have tried to contact them but they do not respond. 

I would like them to make the corrections to my credit and sent the money back to XXXX so I can reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: American Coradius International LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I RECIEVED A LETTER FROM A COMPANY CLAIMING TO BE AMERICAN CORADIUS OUT OF XXXX NY CLAIMING I OWE XXXX XXXX. MY XXXX WAS PART OF A DEBT CONSOLIDATION SEVERAL YEARS AGO AND IT WAS SETTLED. IS THIS COMPANY LEGIT? THEY ARE NOT GETTING ANY MONEY FROM ME. WHAT SHOULD I DO?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reported me 30 and 60 days incorrectly. I called and made an arrangement below XX/XX/XXXX to keep my account from being 30 days late. The representative offered me a payment plan and stated as long as I agreed to the payment plan that I would not be reported to the credit bureau as late. I received a 30 & 60 day late. I specifically asked if I would be reported late. I contacted XXXX and was told there is nothing that can be done. I am requesting the 30 day and 60 day late be removed from my credit report. I clearly contact XXXX XXXX and agreed to an arrangement to avoid and credit reporting. Their agent advised me I would not be reported. I was reported late for XXXX and XXXX which is inaccurate. My due date is on XX/XX/XXXX and I called XX/XX/XXXX to make sure I was not late.

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 2022-09-15
Company: Finance of America Holdings LLC
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This is regarding the Reverse Mortgage that we have tried and tried to resolve. We were never notified that they were paying any property charges but they paid them ahead of time. Now, they have filed a foreclosure action in the county court and we have asked and asked how much we need to pay to cure the default and nobody can tell us! Every time we call, XXXX  tells us that it is under review. They first tried to tell us that we owed {$3800.00} but I looked at the itemized statement that we have tried to get since they first told us we were in default and that was in 2018 and I argued it then. However, nobody would send me the itemized list. Now that I finally got the itemized list, I was right. The items are things like a line of credit and loan set up fee. One item is property tax that we were not notified they were paying. Then the next loan servicer just picked up where they left off and started paying property taxes early with no notices or anything. I asked for an itemized list of those with receipts. They told me to go get the receipts myself and of course their itemized list is not correct. I call them and they say it is under review. The debt collector is aware of the problem as we filed a motion to dismiss in court. They have charged attorney fees and inspection fees to our balance and nobody responds to our requests to information so we can cure the default. They have not followed the HUD guidelines in any way and we are not getting any assistance at all. How can we pay off something that they don't even know how much it is. It should have never been called due and payable. They have put us through XXXX for nothing. Nobody would listen when I tried to tell them the previous servicer was incorrect when they said we did not pay our hazard insurance. The new servicer refunded our hazard insurance a year later but still called our loan due and payable. Wouldn't they see then that it was not due and payable? Why would they not then tell us the balance we owed so we could cure the default but instead kept doing drive by inspections and charging us. I even wrote the debt collectors a letter and told them that XXXX XXXX lost her job because of covid and they did not even respond or tell us we had a moratorium or anything. They just did not answer at all. We never heard from anyone. There was no attempt for a face to face meeting or anything. They just keep trying to have a foreclosure court date and make us pay the whole amount in court without giving us the ability to cure the default because they can ; t tell us what the default amount is. I have called many many times and sent numerous e mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX  Balance : {$310.00} ; XXXX XXXX XXXX XXXX  Balance : {$720.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-02
Company: LDF Holdings, LLC
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I messaged them XXXX to ask about the predatory interest and he said nothing. 
XXXX I asked why they did bi weekly when I was told it was Monthly and asked for monthly contract. She said sorry he lied but I signed it and I asked for changes to the term and she denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: OR
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/2023 i got a fraud alert on my equifax XXXX XXXX consumer reports. i immediately gave both agencies a call about this fraudulent hard inquiry. they informed me that the fraudulent hard inquiry would be removed within 24-72 hours. i provided both companies with an FTC report, CFPB report original copy from XX/XX/XXXX, XXXX i also made reports with the XXXX & Attorney General of Oregon complaint center.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Yes all three credit reporting companies have a low low credit score for me... the problem is I have alot of paid off debt with little to no missed payments ... I recently applied for credit with a company and they responded to me with a question asking me why my credit scores are so low that I have a lot of paid off debt and that he has never seen someone with the amount of paid off debt have such a low score ... I was told that I should seek assistance with the problem because it's causing me a lot of damages

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 2022-05-12
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I've been attempting to pay seller, XXXX XXXX, I believe is the name using my Paypal account, XXXX several weeks now... I've attempted to use several different cards including credit and debit, the error message states, " Card cant be used for transaction ''.. Different amounts were also attempted, same error message received. The seller, is selling off a site called XXXX similar to XXXX and other marketplace sites. Paypal reps given various reasons for error including " Internal security error '', " bank declined transaction '' in which case, banks do not show card attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit score recently dropped 24 points for no reason I can figure out. All payments have been on time and I've made no errors. Ive been monitoring it closely and everything that influences my credit score is positive so a drop in my credit score is surprising. But a drop by that much is ridiculous. Please assist me.

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 2018-12-20
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: Information belongs to someone else

Complaint:
According to my recent credit report request from Transunion, XXXX, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND CREDITOR HAS NO CONTRACT OR AGREEMENT TO HAVE MY PERSONAL INFORMATION PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT SAYS I AM 30 DAYS LATE BUT I HAVE NEVER BEEN 30 DAYS LATE PLEASE REMOVE LATE PAYMENT MARK ON XX/XX/2018 2018

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 2023-10-02
Company: Credit Technology, Inc.
State: CA
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:
Hard Inquiries on my report Dated : On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Technology Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not Allow or Acknowledge these Hard Inquiries on My Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit report, XX/XX/2023 and I realize I saw some accounts in collections on my report that are in accurate and out of date and still reporting...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for an XXXX  refi loan designed for veterans struggling to make mortgage payments. I was told by a rocket loan officer I was denied because I was thirty days late for my XX/XX/XXXX AND XX/XX/XXXX PAYMENTS. I submitted a statement to verify the dates my pay meant were received. The XXXX PAYMENT WAS received BY XXXX XX/XX/XXXX, and The XXXX PAYMENT WAS received BY XXXX XX/XX/XXXX. 
Initially, the loan officer, stated I qualified and set the loan up for an appraisal and loan estimate Dated XX/XX/XXXX, and the first payment would be due, in XXXX, XXXX. 
My initial loan officer wasn't available from XX/XX/XXXX, to the present time. My XXXX  was at least XXXX in XXXX. It started dropping because Rocket Mortgage for some reason was holding up the process, so I started applying with other mortgage companies. 
The purpose of the XXXX program is to help a Veteran get back on their feet, I'm now in the desperate position I was before I applied because I was led to believe I had the refi loan. I have never been 30 days late on a payment at any time. 
ROCKET  JUST LOCKED ME OUT OF MY ONLINE ACCOUNT, I CAN'T DOWNLOAD ANY RELEVANT DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Under 15 U.S.Code 1681 ( e ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting 100 % accurate. It lists the child support court as it furnisher that's forgery and misleading when the courts do not report this type of account. I have contacted the court as to which my only child is involved and they informed me this is not them reporting. 

Account name : State of Michigan Office Chi ( incorrect ) Account Number : XXXX ( incorrect ) Blanace is incorrect, Past due amount is incorrect, Last payment date is incorrect, and is reporting as derogatory which is correct.

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