BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-02
Company: LoanCare, LLC
State: ME
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:
In XXXX I submitted a complaint to CFPB regarding the servicing of my mortgage. The company ( LoanCare ) had incorrectly reported my mortgage account as 30 days late to the credit bureaus. Last year, XXXX my previous mortgage company sold my mortgage and the servicing of the mortgage to LoanCare. Because I was out of the country, I missed the notification of the change and continued to pay XXXX for two months after the mortgage had been sold. When I returned from my trip and realized my mistake, I immediately called LOANCARE to explain the situation. I explained that I was in the process of trying to get the mistaken payment reimbursed from XXXX. I immediately paid the XXXX bill but could not afford to pay the XXXX bill without first getting reimbursement from XXXX. Nonetheless and despite my explanation to LOANCARE, it reported me as 30 days late on my XXXX payment. In XXXX I filed a complaint with the CFPD against LoanCare. By letter dated XX/XX/2019 ( attached ), LOANCARE denied that it made a mistake but nonetheless agreed to change its report to the credit agencies as " current, pays as agreed. '' The letter said to allow 45 days for the credit agencies to update their records. Since that time, most of the credit agencies have updated the reporting of my loan. However, one agency XXXX  has not made the change and contunes to report me as 30 days late on my home loan. XXXX  says that LOANCARE has been unresponsive to its requests for the information so that it can confirm that the delinquencies have been removed. LoanCare has not responded to my request for assistance. I have called XXXX XXXX who wrote the XX/XX/XXXX letter on behalf of LOANCARE multiple times. Despite multiple calls and messages explaining the situation, neither XXXX nor anyone else at LOANCAre has returned my calls.

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 2023-08-07
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: Mr. Cooper Group Inc.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home during XX/XX/2020 and received a noticed from the company that I refinanced with dated XX/XX/2020 that my loan 's servicing was being transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper The letter indicated I would be receiving correspondence from Mr Cooper " in the next few weeks. '' I have not received any correspondence to date from them, and attempts to contact the company have been unsuccessful via creating an account on their website and using the phone number provided on their website to contact them ( I get hung up on immediately ) I am now sending them a letter via certified mail asking for resolution but do not have any confidence that this will occur, especially given they underpaid my Homeowner 's insurance and had I noted made an additional payment to the Homeowner 's insurance company, that would have been canceled as well. I have attached the letter I am sending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: ORG GC GP Buyer, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received letter from GC Services Limited Partnership XXXX XXXX  XXXX XXXX TX XXXX about an alleged debt Over due balance with XXXX for {$250.00} on or about XXXX  XXXX 2020. I contacted both XXXX and there credit card carrier and verified that no debt was owed.So they are making up this information. An internet search shows records of various other attempts to collect something that it not owed.Sending them a letter to inform them this debt is not owed and not to contact ( a drop dead Letter )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts and incorrect personal information below was posted to my consumer credit report inaccurately and without my consent. My federally protected consumer rights to privacy and confidentiality under 15 USC 1681 has been violated. 

Accounts XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX. XXXX - Acct # XXXX XXXX. XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX - Acct # XXXX Personal Information 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, NJ XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX As you can see there are multiple inaccuracies that was posted on my consumer report. 
15 U.S.C. 1681 section 602 A. States that I have the right to privacy. My privacy has been breached.

15 U.S.C 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish a account without my written permission. I did not give any written permission for these agencies to furnish these account on my consumer report.

15 U.S.C 1681 Information excluded from consumer reports : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

15 U.S.C 1681 ( 2 ) EXCLUSIONS : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have been severely affected financially by the information listed above which are all incorrect. To satisfy this harm that has been done to me, I am requesting a deletion of all the accounts and personal information listed above 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 non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are a lot of UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023 ). I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE them from my credit report immediately. 

These inquiries got tripled compared to my last credit report. Please don't close this complaint and mark is as a duplicated complaint because I need them to be removed badly.

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 2021-10-30
Company: Experian Information Solutions 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:
Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. '' should be excluded from consumer report. I demand that Experian, XXXX, and XXXX remove these transactions from my reports immediately as they are a violation of my rights as Federally Protected Consumer under 15 USC chapter 41. 15 U.S. Code 6801 - Protection of nonpublic personal information Pursuant to 15 USC code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to any company to furnish my reports to any consumer reporting agencies. Pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports, the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer. Experian, XXXX, and XXXX have been reporting consumer credit transactions without the consumer 's authority. Congress did not give them authority. Pursuant to Fair Credit Reporting Act 602. ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. With all the information provided above for example, Experian, XXXX, and XXXX have been reporting without my consent a case that is in LITIGATION since 12.26.2019. The alleged attorney claims to be representing XXXX XXXX XXXX and the Trustees. This issue has caused me to be ineligible for COVID Small Business Loan. The max cap was {$500000.00}. I'll be providing this evidence when I am ready to assess actual damages. BUT NOW I AM GOING TO BUY A CAR SO I DO NOT NEED THIS CREDIT ISSUE TO HAPPEN AGAIN.

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 2018-11-29
Company: U.S. BANCORP
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Saw debt on my credit report, reached out to the company and requested : the following substantiation in my letters, : the name and address of the original creditor ; the date on which the alleged debt was incurred ; an itemization of the debt ( i.e., what portion of the total amount constitutes principal, interest, fees, other charges ) ; a summary of the payment history on the debt ; a copy of the applicable contract giving rise to the debt ; and a copy of the underlying account statement and other writt and they have failed and broken all sorts of laws

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 2019-07-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was two months behind I was paying so that I didn't hit the third month I was not able to make my payment for XXXX I was never notified loan services change we got in contact with phh mortgage they've specified a letter will be used out yo notified us they offer us an application for modification 3 weeks later they specified to me on a phone call I maid to the to see what was going on to find out I didn't qualified now I am on 6month default on payment they told me my manager will contact me till this day no phone calls from him at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In early XXXX XXXX, I had a fraudulent credit card purchase on my XXXX XXXX XXXX store card. The purchase was made on-online for over {$2000.00} and I received an email confirming the purchase was done online. When I called, the number on the back of the card, I was told that they do n't handle online purchases and I had to call another number. They did n't try to connect me but just asked that I handle it with the online department. When I called the online department, they asked me to call the credit risk department. A cumbersome user experience that I had to follow to protect my privacy. Eventually they added a password on my account for future purchases. Now its XXXX XXXX, I tried to make another online purchase, only to find out the fraudulent shipping address is still on my account. So I tried to call, only to be asked to call the online department and go through the same cumbersome service to protect my privacy. By the time I learned how difficult the process of online buying will be, especially that I forgot my password ( and had to MAIL out a letter to change it ) my order was no longer available. I had to cancel my credit card after being a customer since XXXX and affect my credit score but this was the worst experience ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-09-14
Company: Resurgent Capital Services L.P.
State: OH
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:
LVNV Funding LLC this account was opened from identity theft. I have tried and tried to explain this, but am told the information is accurate. Of course its accurate that is how the account was opened in the first place. My unemployment insurance was even hacked. The only things that should be on my account is my XXXX  loans and XXXX XXXX XXXX I put it on my mamas grave i did not open, nor do i have knowledge of this account. Im not sure what else i can do to get this removed. They act like im XXXX about it. I have no reason to whatsoever. Im just trying to recover from all the problems Ive had since my identity was taken. Even my unemployment was hacked. First they hacked the account and once i got that straight and unemployment was exhausted, they tried to open a new claim. I had no knowledge of of this account until i seen it checking my credit scores. Thank you for any help whatsoever in this issue, it is much appreciated!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I originally had a credit card with jay jewelers that was offered at the time or purchase of a engagement ring. I did not proceed with the marriage and or engagement and the ring was returned. I was told this was all clarified and taken care of at the store at the time of return. At the time of return both employees were running credit and trying to figure out how to return the item. They mentioned it was resolved and I was good to go. This was at the Kay jewelers inside the mall at XXXX  XXXX. This was over 10 years ago and now I received a letter about a bank levy from some random company. I dont believe there was ever any legal action and or judgement but these are threats against my accounts. I need this to be addressed and this company needs to know they cant harass people for debt that doesnt belong.

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 2021-03-13
Company: MRS BPO, LLC
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2020 I received a letter from Citibank regarding the closure of my Costco Visa account ending in XXXX. There was no specific reason or advance notification. 

On XX/XX/2020 I received an email from Citibank regarding my annual reward certificate that will be forthcoming via email in XX/XX/2020, in the amount of {$2900.00} which is based on the previous 12-months of qualified spending. 

On XX/XX/2020 I faxed a letter to Citibank Card Services Support Unit as specified in the letter ( XXXX ) stating my concern over how disappointed I was in how it appeared that Citibank closed my account to avoid paying my annual reward certificate in the amount of {$2900.00}.

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 2022-09-14
Company: Experian Information Solutions Inc.
State: DE
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 have noticed that I had an over whelming amount of inquiries around the month of XX/XX/2021 From XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 3 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-18
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am in good standing with my mortgage payment. Never late. Two months ago, my mortgage was sold to Freedom Mortgage ; in order to enroll in autopay, customers are required to fill out a form and send it by mail. That's precisely what I did. Unfortanelly on XX/XX/2022 I was hospitalized for more than a month ; by the time came out of the hospital XX/XX/XXXX ; I realized that my payment was not collected by Freedom Mortage, I paid right away. But they reported to the bureaus hurting my credit score immensely. 

I called Freedom, and the representative was nice ; she understood the mistake and try to speak to her supervisor, who said they could not do anything since I had already been current in my payments. That if I had not paid, they could have helped. 

This is unfair. and it does not make sense. This a mistake on their end which I catch too late. Hopefully they remove this mark.

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