BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I currently have to pay PMI on my loan. However, per my origination and loan documents I can request removal of PMI once I reach the 80 % loan to value threshold either on XX/XX/2020 based on payment schedule or when I actually reach the threshold based on actual payments. 

Otherwise my PMI will disappear at 78 % loan to value. My loan servicer is refusing to remove my PMI until I get to 78 %, even though my loan documents state I can request removal at 80 %. They continuously inform me they ned to research and will get back to me. They don't get back to me, and when I call again ( 5 times now ) they start a new investigation and tell me the 78 % rule. Even though I have submitted my loan documentation which is contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
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:
After reviewing my reports. I noticed several accounts fradulent on my credit report. I have contacted all companies listed on my FTC report and they still fail to remove these fradulent accounts off. Please delete these accounts 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 2021-08-08
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX Stated on XXXX  XX/XX/2021. A guy saids its pass the XXXX and my payment was returned by them on XX/XX/2021. I want the information deleted and a copy of the time barred letter promise. No letter still.

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 2022-03-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed by a XXXX seller. I had sent a XXXX payment through my bank Truist on XX/XX/2022 at XXXX. I realized I was scammed and the seller was never going to send me the tickets I purchased. I tried to stop the payment through my bank app and there was no option for this. I immediately called the bank the next day to stop the payment. I waited on hold for over an hour and was told I would need to be transferred to the fraud department. I waited on hold again for XXXX and was told I needed to be transferred to the XXXX department XXXX The person who then answered told me I was transferred to the wrong number and it would be faster to just go to the branch and speak with a bank associate in person. I went to the bank and waited and hour to speak to an associate and he was not able to help me he told me he would have to call the XXXX department too and it would take over an hour. He gave me a direct line and I called and waited on hold for XXXX and XXXX mins. The XXXX rep told me they could not do anything until the payment posted. They indicated there was no way to stop the transaction. They told me to call back once it was posted and report it as fraud. I called back once the payment posted and opened a claim. I received a letter within days from my bank indicating the claim was investigated and closed as it was not found to be fraud. 
I was scammed and had no ability to stop the transaction. This is not fair, consumers should have the ability to stop a bank transaction before it is posted if they feel they were defrauded or scammed.

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 2021-08-08
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:
This account from XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent. I never had a loan open with them.

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 2022-09-10
Company: Upstart Holdings, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Received a offer in mail stating I was pre approved for a loan from a lower amount to a high amount. I then required to basically re do application even though I put in a pre approved code. I'm then denied after all that. I was also asked how much I needed. So they lie about pre approved so clients can apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Experian Information Solutions Inc.
State: TX
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 disputed this account XXXX XXXX XXXX XXXX and experian claim to update the information but the status update shows status date XX/XX/2018 and in that case they did not do an investigation for the dispute in XX/XX/2018. This is a violation of the FCRA

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 2021-04-28
Company: FISERV INC.
State: VI
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 paid saving account ending with XXXX for {$5.00} and paid the checking account ending with XXXX for {$130.00} with settlement. The debt still being reported as unpaid ; when it's paid. 

TRS Recovery still haven't send me a Paid in Full letter. XXXX  still didn't update reporting agencies.

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 2020-03-05
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I was informed my existing loan is not gaurenteed thru the VA. The loan I am trying to refinance is with my current mortgage loan provider and they are saying I can not use my IRRRL benefits. I have all loan documents showing my existing loan is a VA loan and I believe I am a victim of mortgage fraud by Planet Home Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: SC
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 following creditors have violated my rights : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX -XXXX XXXX ( Original Creditor : XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX Account XXXX XXXX -XXXX  Account # XXXX -XXXX  Account # XXXX 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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 following creditors have violated my rights : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX -XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account XXXX XXXX -XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX XXXX XXXX ( XXXX XXXX  : XXXX XXXX XXXX  Account XXXX XXXX -XXXX  Account # XXXX XXXX Account # XXXX 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 non-monetary relief
Consumer complaint received 2021-07-20
Company: EQUIFAX, 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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/2022 I filed a complaint with CFPB against Equifax. CFPB notified myself, CFPB had submitted my compliant to Equifax 0n XX/XX/2022. On XX/XX/2022 Equifax closed the complaint without removing the inaccurate information off my credit profile, since XX/XX/2022 I received a letter from XXXX stating, XXXX has failed to verify any of these inaccurate items and has removed the items from my XXXX profile. 
As a consumer Equifax has violated my rights for the past 2 years. Listed below are the inaccurate items Equifax are refusing to remove off my credit profile although I've tried relentlessly disputing these for quit sometime with Equifax.

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX ( this was never late, item paid in full ) this item was never late!!!!!!! 
3 ) Bankruptcy XXXX XXXX 4 ) Bankruptcy XXXX XXXXXXXX 5 ) XXXX XXXX XXXX ( Equifax is reporting this item twice on my credit profile ) this item was paid in full never late!!!!!!

I want Equifax to remove all inaccurate items listed above off my credit profile ASAP!!!! Or I'll be taking LEGAL ACTION!

Equifax has failed to read an understand : 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collectio
n practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: SC
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 following creditors have violated my rights : XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2021-04-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: VI
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 paid saving account ending with XXXX for {$5.00} and paid the checking account ending with XXXX for {$130.00} with settlement. The debt still being reported as unpaid ; when it's paid. 

XXXX XXXX still haven't send me a Paid in Full letter. XXXX still didn't update reporting agencies.

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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I never lived at no XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My Currant address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX. 


Also, The XXXX XXXX XXXX is Settle in Full. 

XXXX XXXX XXXX is Paid in Full. All of this should been updated.

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 2022-03-15
Company: Kriya 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: Information belongs to someone else

Complaint:
Noticed a collection on my credit report from a collection agency without any notice sent to me. Do not know who the creditor is and started receiving calls from this collection agency everyday started on XX/XX/XXXX. I answer the calls and the phone call will just hang up. Finally called on XX/XX/XXXX after receiving a missed call and recording stated credence resource management and states leave a message. I assume its spam call so I blocked it but still receiving calls from them from different number with their name displayed. I always monitor my credit because trying to buy a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
BOA charge me the XXXX maintenance fee {$12.00}

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 2023-10-06
Company: Credit Corp Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted about this debt back in XX/XX/2023 where I requested information on how to dispute the debt in question as the debt they are discussing was a scam that my bank blocked and therefore I have to responsibility for. I never received a mailed in packet like I was told I would. I tried to follow up and was told I was also sent an email but they have the wrong email on file. Gave them new email address but was never provided with an email. We then moved out of state. When I was contacted again I explained I never received the information I requested and then gave them my updated information once more. Again, did not receive the information. On XX/XX/2023 I received another call. This time I was transferred to speak to a supervisor. This conversation lasted XXXX minutes. During which I explained again that the charge was a scam and I do not owe the debt. I had to ask multiple times, no less than XXXX, for them to send me the dispute information. This person repeatedly told me if I dispute the debt it would be a difficult process and I should just settle with the amount the disclosed. Me repeating myself several times did not deter this person from relentlessly expressing I just " needed to pay '', patronized me by suggesting my mom probably " help '' pay my finances, and ignored everything I said in regards to disputing. When I finally got him to send me the email while on the phone he agressively told me I needed to send him all the information I had back to him right there on the spot while still on the phone. He then said I needed to also have it notorized before sending it, which he knew was not possible. When I said that he laughed and said " exactly so we should just settle it ''. I am so disgusted with this XXXX minute phone call and the absolutely manipulative nature of trying to obtain money for something I have proof of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
somehow or another in XXXX paid my mortgage which is XXXX instead the mortgage company took XXXX it was a huge mistake on my part or theirs it has caused me significant financial harm and will cause more so next month i have asked that it be reversed and the XXXX taken out and the remaining balance return but was told it wasnt possible due to being on a fixed income this amount hurts my household finances .any help from you would be deeply appreiciated...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2022-03-15
Company: Healthcare Receivables Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, To whom this may concern, I have contacted Healthcare Receivables on XX/XX/XXXX to Request my Debt Validation with the following information below, The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt, including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Whether this debt is within the statute of limitations and how that was determined. 

Details about their authority to collect this debt : whether they are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If they are contacting me from outside my state, provide the licensing information from their state as well. 

I was contacted from a representative XXXX, XX/XX/XXXX at XXXX XXXX  that accidentally called without realizing that her company had sent out a letter or mail with information regarding my case. She then realized that her company submitted my information to the wrong address. I contacted the company last month and hadn't received a phone call or email until today. This is a violation of HIPAA due to it is unethical to send out a person 's personal information without confirming their correct address. I provided the representative with my correct information but, due to the federal law it states that the company had 30 days to respond to my letter and unfortunately, I am locating in Texas and they are now having to reverse and send out a new letter to my correct address, which will cause a interference and time constraint with the 30 day time frame.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, 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:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation