BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In accordance with the Fair Credit Reporting act XXXX account 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 consent. TRANSUNION was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. TRANSUNION is reporting unauthorized inquiries on my CONSUMER REPORT. TRANSUNION is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO TRANSUNION WERE A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to XXXX XXXX XXXX A creditor XXXX not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These concerns were disputed on XX/XX/2022 and have not been removed. the dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. TRANSUNION has caused severe stress and anxiety due to the abusive and unfair practices.

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 2022-06-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I havent received a response within 30 days, and yall are required by law to do so. Please investigate my disputes, please 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 non-monetary relief
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: MI
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, 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 any 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 2022-09-03
Company: EQUIFAX, INC.
State: MI
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, 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 any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Partners Financial Services Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to inform you I have been a victim of identity theft, and many of my accounts have been compromised without my consent. This letter is to inform your company I am disputing this debt and have filled a police report. I have a right under the Fair Debt Collections Practice Act to request validation of the bill for which your company is requesting payment. I am asking that you send me proof this account #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2022-09-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
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 I do not recognize nor consent to these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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/XXXX, my personal financial information was retrieved remotely from Equifax 's databases, without my authorization and knowledge. I have not signed up for credit monitoring services provided by Equifax, as it may/will void my ability to follow through with arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
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 I do not recognize nor consent to these inquiries

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 2019-07-19
Company: AES/PHEAA
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 status incorrect

Complaint:
I have been on forbearance since XX/XX/XXXX which lasts until this XX/XX/XXXX My account should have not continued to be reported late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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:
Portfolio Recovery Associates is reporting inaccurate information such balance owed, and charge off date and date the account was officially opened!! Also the {$490.00} balance is not what was owed when they said this account was charged off!! This information is inaccurate and I want documents bearing my signature showing I owe this debt to Portfolio Recovery! I keep disputing and XXXX, XXXX, XXXX saids that things were updated non related to my dispute!! I Demand documents bearing my signature showing I owe Portfolio Recovery this debt!! I have sent out certified letters to them and I received itemized bill! you will not fool me with itemized bills!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX was my Mortgage Servicer- until 2 months back. The Investor on my Loan is XXXX XXXX, I believe. So under the CAREs Act due to the Corona Virus Pandemic and the attendant hardships I faced, I was given a 18 Month Forbearance Plan. And from XX/XX/XXXX, I have resumed my Payments. I was able to log in and pay the Monthly payments regularly, on XXXX XXXX web site. I had also submitted the required paper work and requested XXXX XXXX to add the unpaid instalments to the back end of the Loan, as per the Cares Act and XXXX XXXX guidelines. They said they were working on it. But suddenly, they transferred the Servicing to SLS ( Specialized Loan Servicing ) in XXXX or XX/XX/XXXX and were no longer accepting my payments. I created an Online Account with SLS and tried to make my monthly payments. But unfortunately, the system was not accepting my payments and was demanding the entire Forbearance Amount of $ XXXX at a time. I called the SLS Customer Service both in XXXX and XXXX and made my Monthly payments over phone. In XXXX they said the file is not fully received from XXXX and I should call back in XXXX. When I called back in XXXX, I was told the Loan Modification is under progress. However I started receiving " NODs '' ( Notice of Defaults ) by Ordinary mail and Certified Mail ( copies attached ). When I called them again and asked why I am receiving these NODs, I was told to ignore them. The last I spoke to was one XXXX XXXX of SLS at XXXX XXXX  on XXXX XXXX ), who assured me that they got all the requirements and nothing is required from me. She said the Loan Modification is being reviewed and I should be hearing from them soon. But within 3 or 4 days, I got a NOD by Certified Mail from SLS. I am really at a loss to understand what is going on..

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 2019-07-19
Company: Experian Information Solutions Inc.
State: NY
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:
Accounts need to be remove immediately does not belong to 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 non-monetary relief
Consumer complaint received 2018-02-05
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the  bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX and I am the only person on the mortgage, But my husband XXXX XXXX and I are both on the Deed. 
The property is currently in foreclosure and it is against both XXXX XXXX and XXXX XXXX since we both on the deed. 
Yesterday XX/XX/XXXX, we called Mr Cooper Home Loans. 
The current servicer is XXXX XXXX XXXX. 
Although Mr Cooper was the previous loan servicer, they still claim that my loan is with an attorney ( XXXX XXXX XXXX and Mr Cooper refuses to deal with us in any major way and Mr Cooper refuses to accept my husband XXXX XXXX as an authorized party to get information on the loan. 
Yesterday we spoke to XXXX ( id # XXXX ) and her supv. XXXX. 
We notified Mr Cooper for the first time back around XX/XX/XXXX that XXXX XXXX was NOT our atty anymore and that XXXX XXXX was UNcooperative with us and was not calling or notifying Mr Cooper even though we had requested this of him several times. 
Mr Cooper to this date, says that only the atty is allowed to remove himself. Mr Cooper has been informed MANY times of our displeasure with that atty and our FIRING that atty. We even had another atty assist XXXX XXXX with Bankruptcy after XXXX XXXX but Mr Cooper retains XXXX XXXX as the atty in charge and stated that the case goes back to XXXX XXXX automatically even though the bank atty doesnt have him registered as our representative anymore. 
XXXX XXXX says he tried several times to communicate with Mr Cooper but it seems that the bank tells him that the request has to come from us. ( See attached ). Mr Cooper is not accepting our request either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Rocket Mortgage, LLC
State: MD
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:
In XX/XX/2020 we had a house fire XX/XX/2020 requested financial help from Quicken Loans XXXX 2020 Quicken placed my loan in the forbearance program XXXX 2020 I paid {$50.00} per month as part of the forbearance program XX/XX/2020 the forbearance program ended XX/XX/2020 I paid my full XXXX mortgage payment and all outstanding monies for XXXX, XXXX, XXXX. 

XX/XX/2020 Quicken reported my loan XXXX days past due, i was alerted by XXXX/XXXX via email my Loan was going into foreclosure and reported to XXXX. 

XX/XX/XXXX I placed several calls to Quicken Loans to resolve the issue. Customer service, account resolution, executive escalations said they could not correct the mistake, according to the forbearance documentation i was out of compliance. 

Quicken mailed all documentation to the house address that burned down. I never received any of the mail. When i spoke to Quicken Loans on the phone I told them my plan to repay all payments in XXXX, that was in XX/XX/2020. 

Quicken Loans documentation indicated i made the XXXX, XXXX, XXXX payments as stipulated in the forbearance agreement. 

Quicken Loans never documented or informed me if payment was not made by XX/XX/XXXX I would be reported to the credit bureaus as delinquent. Language from their documentation " This may have negative impact on your credit score ''. 

Quicken Loans sent me on XX/XX/XXXX an electronic copy of my forbearance documentation. The electronic copy was sent at my request. 

Quicken Loans did not provide me with legal documentation in a timely fashion. Quicken Loans did not provide any documentation indicating my credit would be negatively impacted if all monies were not paid back by XX/XX/XXXX. Quicken Loans did not act in a professional manner in dealing with my complaint and escalation request. Quicken Loans acted in a predatory manner continuing to call me daily to re-finance my loan, which was not possible because of the re-construction from the fire. 

Quicken Loans documentation clearly states i made payments for XXXX, XXXX and XXXX, and fraudulently reported my loan as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: CITIBANK, N.A.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My payments are over {$600.00} a month with Citibank, and over {$200.00} with my federal loan. I have struggled making these payments for years. Because of the interest amount my student loan continues to grow higher instead of getting lower. My original student loan amount has more than doubled. I refinanced my XXXX XXXX private loan with Citibank and they sold it back to XXXX. I have been told numerous times that I am not eligible for any help. I was forced to resign from my position to do health complications concerning my back and have made an effort to contact XXXX several times to explain my circumstances and was told they can do nothing to help. I am now three months behind on my payments and am accruing ridiculous late fees and constant phone calls It is not possible to pay my mortgage, car insurance, utilities, buy groceries and pay back my student loans. Even when I was working full time with a XXXX XXXX I could not afford my payments but made them living from paycheck to paycheck. My payments are over {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I called PNC regarding my mortgage account. I called to inquire about PNC attempting to pull a mortgage payment from my financial institution. I inquired with a PNC staff member how many times they would attempt to pull the payment from my account to determine if I needed to make a payment over the phone or just wait until PNC completed the transaction. The staff member indicated that they did not know how many times it would be pulled. He encouraged me to wait to see if they would attempt another time. I express concerns that fees would be charged on my account and that I would be reported late. The staff member indicated that I would not be reported late until 30 days and said that no fees would be assessed on the account because I am in California. I expressed concern that he was not able to answer my question and asked that he consult with a supervisor/manager to find out. After a period of being placed on hold, he returned to the call and indicted that he was not able to get the answer. Essentially, I was supposed to make a decision on misleading and incomplete information. Upon further research, I learned that if I had not made the payment on XX/XX/XXXX PNC would have charged me a late fee. This concerns me because the PNC agent was encouraging me to wait to see what happens and to wait another day. This would have allowed PNC to charge me a fee. I advised that I was concerned with the lack of information and training he was provided. I made a payment over the phone on XX/XX/XXXX and filed a complaint with the staff member case number XXXX. 
Since the incident mentioned above, I received a notice that a {$25.00} fee was assessed on my account due to a Non-Sufficient Funds on XX/XX/XXXX. This is the first time anyone from PNC has mentioned a fee was assessed on the account. I have concerns over the lack of training staff receive, adequate information PNC provides consumers and deceptive practices in mortgage servicing. PNC staff encouraged me to wait to see if the payment would go through which would cause a late fee. They were not able to provide pivotal information and failed to disclosed fees would still be assessed. PNC recently became my mortgage servicer ; I am concerns that they have predatory practices to collect fees from consumers to increase their profits. 
I am filling this complaint in the CFPB system because I have made several attempts to work this out with PNC. I have not received a response to the complaint filed directly with PNC on XX/XX/XXXX. In addition, I emailed XXXX XXXX from the Officer, Executive Client Relations as requested on XX/XX/XXXX and no response. I would like to receive an answer to my initial questions, understanding of the training gap, transaction history on my account, and fees waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX, 2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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