BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On numerous occasions I have called Equifax because my address after several requests was never updated even though I have lived in my current address for over 2 years. I have submitted proof of identity 4 times already and every time i have called them either they do not have the documents or part of the documents. I have spoken to several supervisors and am met with inadequate servicing of my account and several times they claimed they could not even find my file. I also have tried for months to remove a fraud alert that i have never requested and to date they refuse to remove it. They are very disorganized and do not seem to know how to do their jobs, it is unacceptable the amount of time i have wasted on the phone and the many times i have had to send documentation and still months later the issue is not resolved and has hindered my ability to refinance my home. They are the absolute worst when it comes to servicing the needs of their customers and are clearly in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporter act 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 I also states a consumer reporting agency can not publish or furnish account without my written consent or 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 2021-09-11
Company: Rocket Mortgage, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I reached out to Rocket Mortgage to purchase a home in Delaware as I have used this company in the past. I had difficulty with this company giving me a run of the mill with purchasing a home in the state of my choice. First, it was you live too far to commute, then it was approved as I informed this profilers that I would file a complaint with the CFPB. That was XXXX. Fast forward to XXXX, XXXX  XXXX. I decided to use this company again, thinking my experience would be different. I had a lock placed on my credit to prevent unauthorized access of my credit report without my approval. 

I unlocked it on XXXX XXXX and XXXX/Rocket Mortgage accessed my credit report.See attached document and emails. On XX/XX/XXXX, I contacted XXXX after going through the verification process and spoke to a representative, who informed me that the information given to me by Rocket Mortgage is ludicrous and can't seem to explain any justification for why this company is seeking to pull my credit twice. I also spoke with XXXX and the representative also gave me the similar information. In fact, the representative at XXXX said, there was no lock, freeze or any fraudulent information that would prevent Rocket Mortgage XXXX to not have access. This company has a history of using discriminatory practices when it comes to home ownership and loan approval. In my case, I have excellent credit and my debt to income ratio that they would like to use to deny loans is not an issue in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: LEXISNEXIS
State: WA
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:
Tried to apply for credit and was turned down. That's how I found that there was a XXXX Bankruptcy reporting under my ss #. I requested with all 3 major credit reporting agencies by letter on XX/XX/18 to remove this incorrect information also providing proof of the error. As of today I haven't heard from XXXX XXXX, XXXX or XXXX. However LexisNexis received the same request as proof of their company error and sent a letter stating they did an investigation and found it to be correct. As you will see from all the paper work attached that I provided clearly states that it is not his bankruptcy. I called and spoke with rep from LexisNexis who really could have cared less on XX/XX/18 and as of today still haven't heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: National Default Servicing Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
NATIONAL DEFAULT SERVICING CORPORATION XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ARIZONA XXXX Re : Letter dated XX/XX/XXXX We need all and any documents that pertain to my loan ( not one or any documents should be a secret or confidential and hidden from us ). 
Any remaining documentation being requested and will not be fulfilled and or provided will be unduly burdensome to me and to my family! 
Letter dated XX/XX/XXXX No document to be privileged or proprietary! I have every right and more benefits to demand every document from the past to present that is connected to my loan, no secret documents should be kept from homeowners and from any authority. 
I need all corporate assignments of deed of trust from XX/XX/XXXX to present. The one on record dated XX/XX/XXXX was produced under fraud, therefore under the California and federal law it is void, cancelled and has no validity. I need copies of all original notarized documents and its original notary book with thumbprint and a current affidavit signed under penalty of perjury of all authorized staff, notaries, attorneys etc. that have been involved in dealing with my loan from XX/XX/XXXX to  present, to verify and validate that my loan was handled in accordance with all Federal and State laws. The original deed of trust was recorded on XX/XX/XXXX not XX/XX/XXXX plus many more discrepancies, please have a forensic document examiner review all documents pertaining to my loan, from XX/XX/XXXX to  present.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Over the last 4 months our electronic auto draft for our VA home loan was canceled. This put us behind two months, we did not find this information out until we received a paper letter at a family members home ( XX/XX/2019 ). The amount was drafted every month, there was no change in banking information or accounts. Upon our payment we were hit very hard on our credit score. We tried to talk to the company about the reporting after the completion of the payment in full. Is there any way to assist or can anything be done about the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX used deceptive tactics and allowed a credit blemish upon my history when they themselves stated they 1. couldn't recognize my identity 2. allowed XXXX XXXX to a backdoor deal wrongfully alleging that i owed a debt when it was paid in full as of XX/XX/2021. XXXX also stated in another document that this was not being reported on my credit history. They lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My TransUnion credit report has absolutely no record of any reporting on my 2 credit card accounts with XXXX XXXX. I have made many phone calls to both XXXX XXXX and TransUnion over the past several months but this problem is still not solved. 

TransUnion says that XXXX XXXX is not reporting. XXXX XXXX says they are reporting. TransUnion tells me to contact XXXX XXXX. XXXX XXXX  tells me to contact TransUnion. Nobody is willing to take action to solve this problem. 

I wrote a letter to TransUnion to dispute my incomplete credit report on XX/XX/2019. They responded by sending me a copy of my credit report. However, I was not requesting a copy of my credit report. Rather, I was disputing the incompleteness of the report. 

By failing to properly respond to my complaint within 30 days, TransUnion has violated my rights under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with chase bank originated XX/XX/XXXX, with chase bank accepting processing my monthly mortgage payment from chase bank account for XX/XX/XXXX through XX/XX/XXXX successfully.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
Citibank Credit Card account numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Remove consumer statement Both my Citibank cards have a consumer statement attached which are incorrect I am in the process of closing a large home loan near {$300000.00} The only hitch is both my citibank accounts are reporting as being in dispute. I called Citibank explained the urgency, informed them the account was not in dispute, as I currently use the accounts and make my monthly payments timely. The agent informed me to fax a letter requesting to remove the dispute immediately, but also stated this could take 30 days. I do not have 30 days. The consumer statement is not accurate I am asking for that statement to be removed immediately. 
I have attached : 1 ) the letter I faxed to Citibank 2 ) Page of my credit report showing the 2 Citibanks credit cards with Consumer Statements

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: Tiffany & Bosco, P.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, the servicing company made many errors XXXX XXXX, the investor had to be involved XXXX XXXX finally modified the loan under the direction of XXXX XXXX In the process of XXXX XXXX mistakes they hired Tiffany & Bosco Even though there's been federal mandates and the loan has been modified Tiffany & Bosco refuse to cancel the foreclosure The first modification payment has been made to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Ditech Financial LLC
State: VA
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:
Ditech was contacted in XX/XX/XXXX after trying to collect on a paid mortgage. My home sold on XX/XX/XXXX. Spoke with XXXX who said they lost the check but did show the home was sold. She would track down the check. Contacted XXXX attorney The XXXX XXXX XXXX who represented them in their erroneous foreclosure filing to see if they could help since they know the foreclosure never happened. Exchanged emails with XXXX XXXX. Never got anywhere. I have now called Ditech 2 times holding over 30 minutes without anyone answering. I am on hold again now. My credit report still shows the mortgage due and $ XXXX in arrears. A title search of the property will show it paid and the condo no longer owned my me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I.c. System, Inc Claims to now own a reported debt for cable T. V. 

I've never had cable T. V. 
I did have internet account in which I requested To Close Account for 4 months due to the wires being faulty and landlord / management refused to pay. Owner just passed from XXXX and HOA claims no liability. My kids were in on line school, I am XXXX from XXXX and XXXX  XXXX. We had to move. Began in XX/XX/XXXX till XX/XX/XXXX. Equipment had been returned, technicians confirmed and verified no service on interior lines since XX/XX/XXXX. Called repeatedly threatening me to block all source of internet companies and I would be arrested because my kids could not go to school. Their name is XXXX XXXX XXXX XXXX Every so often apologizing and clearing the erroneous amount due after they failed to close account. A month later a new person would call and the entire thing would start again. Did not hear from them after I was told no long amount in dispute. Over 1 year. Suddenly this appears and ic begins to harass me as if I am unable to know what I owe and how to manage. Suggesting my 'disability has handicapped my brain, maybe someone else should pay debts do I do not cause more damage '. All I can say is ignorant! Please help me to prevent companies from this unprofessional behavior. After explaining they could just act rational and not negatively effect my disorder with needless stress they began to capitalize on that exact point Over and over again. I hope they kept the recorded calls to be heard. Shameful! 
If you would please help with a written guideline for me to resolve successfully. Thank you. The Mark on my credit effects my kids college loans. And all 4 kids want to go. # 2 is applying now. Hence my noticing prior to another student loan. I do not have any late payments and several accounts are not reported at all. Happy day to you. 
XXXX XXXX XXXX XXXX have never received any document from the I.c. System, Inc.

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 2018-04-26
Company: Professional Collection Service Inc (GA)
State: AL
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:
I went into XXXX XXXX XXXX Ga to rent a apartment. We was not able to see the apartment before we put the first months rent and deposit down. We was told it was not ready but if we didn't pay our deposit and first month rent that it would be rented to someone else cause there is a wait list. Just looking at the area Thinking it was a nice area, I thought I needed to do what I was told or I would lose the apartment. After I moved into a apartment complex that I was told was a wonderful country living and quiet atmosphere the problems began. There was drug deals going on at the bottom of my apartment and all thru the neighbor hood. people would smoke pot all in the walk ways. We complained but was told there was nothing they could do to call the police. we put cameras on our patio facing the parking lot where our trucks had been vandalized and scratched up. One vehicle from neighbor was actually stolen. then people would shine lasers at our cameras to try and destroy them. WE paid {$770.00} a month rent with a {$300.00} security deposit and a {$450.00} total pet deposit. we paid on time every month despite the horrible and most times scary conditions we had to live in. Then the XXXX started I have been hospitalized from XXXX XXXX XXXX XXXX and the vents were very old and full of dust thru the vents. We asked if maintenance could come by and clean the vents and check the duck works. When they came the outside was just wiped down nothing was fixed they went in the apartment when we was not there and when we returned we popped the vent cover off and it was just thick with black stuff and dust. toward the last few months it had rained a lot and the ceiling was leaking and had water stains thru the ceiling and I'm sure mold in there also as I was on 3 different XXXX XXXX at this point. We called the office who sent maintenance who we figured out had just spray painted the water stains on the ceiling with white paint cause everything just bleed right back thru. we made it up until the last month and I just could not breath in that apartment or live there any more. The only damage that happen was Two spots in the carpet from my dog that I really didn't want to have in a apartment but felt needed some kind of protection so had to have. Anything else was from there lack of them actually fixing any other issues. I have let this go and have this ding on my credit now cause I was rented a apartment under false pretense and could not physically stay in that apartment any longer. I was recently given this website to try and rectify the situation and hopefully it does not happen to anyone else. But I refused to be blackmailed after everything I had to go thru at this complex

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 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Sent identity theft report but they said they havent received I disputed multiple 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 explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I sent letters to Transunion Credit Bureau last XX/XX/2021, and I have not received any response from them. That means Transunion has failed to comply with the Fair Credit Reporting Act law and continuously reported inaccurate information on my Credit Report. Here are the concerned accounts that need to remove completely from my Credit Report : XXXX-Balance {$590.00} XXXX-Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2021-05-05
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021 I attempted to schedule a fixed amount recurring payment in order to meet a specific payoff target date. However, when going through the process to schedule the payment the bank informs me that they will adjust the payment amount ( lower it ) if the scheduled amount I make is greater than what is due, and that in doing so, it will likely result in incurred finance charges. I find this practice outrageous!! They are taking deliberate action to change payment amounts in order to generate Finance Charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX XXXX {$860.00} DEPTEDXXXX XXXX {$5100.00} DEPTEDXXXX XXXX {$5000.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX {$2000.00} XXXX XXXX {$3500.00}

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 2021-09-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, i sent a letter to the consumer reporting agency regarding some inaccurate and unknown items on my credit report. Today XX/XX/2021, i am still waiting for a response. I have not received any type of acknowledgment or a response regarding this issue. It is been over 40 days now and these items are not still being investigated and it is irritating. I believe if the consumer report agencies are all ignoring me, the items that i am disputing should be deleted promptly because it has been so long. In addition, the law of section 611 ( a ) it states that a failure to investigate a consumer 's items within 30 days gives a reason to immediately remove those items previously disputed from my credit report. 
I demand these accounts be deleted immediately. In addition, my information was also impacted by the equifax data breach and may have got stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
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:
I contacted XXXX, Experian, and XXXX XXXX several times about fraudulent activity on my account. I sent my XXXX  drivers license and passport serveral times and can not get my reports.

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