BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-15
Company: HARBORONE MORTGAGE, LLC
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is through HarborOne Mortgage , LLC. The loan closed on XX/XX/2018.

On XX/XX/18 HarborOne via XXXX  ( their payment company ) paid a tax bill in the amount of {$80.00} from my escrow account that was for a tax bill for another individual on check XXXX  made payable to the town of XXXX, ME.

On XX/XX/18 the town of XXXX  informed XXXX via email that the check had been submitted in error and requested instructions on returning the check. The check was returned by the town on XX/XX/18 to XXXX via USPS mail.

I have been dealing with HarborOne since XX/XX/18 to get the {$80.00} returned to my escrow account. I felt that the time from XX/XX/18 to XX/XX/18 was sufficient time to wait for a refund. As of XX/XX/19 I still have not been credited. See attached information for a call log concerning this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I had an FHA loan with Caliber Home Loan which was paid off on XX/XX/2018. 

I checked with FHA by calling XXXX and was confirmed that not only the loan had been paid off, but also was I told there is a balance of {$21.00} which will be refund to me through the lender. FYI, my FHA case # is XXXX. 

However the lender overpaid additional one month of PMI after pay-off on XX/XX/2018, making the balance increased to be {$200.00}. But the representative from Caliber named XXXX ( ID : XXXX ) refused to correct the error and refund to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On the date of XX/XX/XXXX, after realizing my credit card has been lost during a business trip, I immediately login to my card management online website to request for a replacement and shut down the lost card. My credit card is XXXX Visa card with Barclays ( https : //barclaycardus.com ). In the request form, I was asked what is the reason I need a new replacement card, to which I selected the option that my card was lost/stolen and received a replacement card within the next few days. 

About a few weeks later in XXXX, going over my statements as I often do monthly, I realize there are two abnormal charges from XXXX XXXX XXXX XXXX for the amount below : XXXX XXXX XXXX XXXX XXXX. {$270.00} XXXX XXXX XXXX XXXX XXXX. {$980.00} I immediately called the credit card company to let them know I don't recognize these charged and ask for a dispute. The main confusing point for me is the credit card fraud department seems to completely don't realize that I have asked for a replacement card in XXXX for lost and stolen reason and kept questioning me for why I didn't submit a report earlier. 

Through various good will attempts to explain to different staff on the fraud team, I am still unable to communicate a simple fact that I have tried to inform them in 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 2019-01-15
Company: Experian Information Solutions Inc.
State: TX
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: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX I mailed my request for my annual credit reports from all three ( Experian, XXXX, XXXX ). On XX/XX/XXXX I received my reports from XXXX and XXXX. Experian sent me a letter stating that I had already received my report within a 12 month period. Unfortunately XX/XX/XXXX is the month I requested my report last year the only reason it didn't get issued till XX/XX/XXXX was due to a delay tactic on part of Experian where they demanded unnecessary information in exchange for my annual report.

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 2020-08-20
Company: EQUIFAX, INC.
State: MS
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:
I went into the bank today to apply for an auto loan. They only pull equifax, and there was a fraud alert neither I nor the lender had ever seen. It would not release my credit report or score to them. I called equifax, and they tried to run my report over and over asking me my information every time. They could not find any report under my name. The previous day, I had applied for financing from the dealership, and they were able to pull credit from both XXXX  and XXXX. In addition, no XXXX  XXXX XXXX site will pull equifax, only the other two. I do not see how my file has disappeared, as the same bank pulled it last year for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: CITIBANK, N.A.
State: AZ
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 WAS AUTHORIZED ON MY ELDERLY GRANDMOTHERS CREDIT CARD, TO HELP AVOID HER BEING RIPPED OFF BY A CONTRACTOR DOING REMODELING, THEY RACKED UP THE CARD AND I WAS HELPING TRYING TO NEGIOTE PAYMENTS, I AM ONLY LISTED AS AUTHORIZED ON ACCT AND I AM NOT RESPONSIBLE FOR THE DEBT AS THERE NOT MY CHARGED, THIS IS LISTED ON MY CREDIT AND I WANT IT REMOVED. I HAVE SENT LETTERS TO THIS AGENCY AND IT STILL HASNT BEEN REMOVED. 


THE HOME DEPOT/CBNA # XXXX XXXX XXXX   XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Authorized Account- An authorized user is not responsible for the debt. 
Account Type : Revolving Account Loan Type : CHARGE ACCOUNT Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX Original ChargeOff : {$9800.00} Pay Status : >Charged Off< Terms : Paid Monthly Date Closed : XX/XX/XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX for $ XXXX Credit Limit : Credit limit of {$8000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$8000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year that this item will be removed : 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 2020-07-30
Company: ALLY FINANCIAL 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:
On XX/XX/2020 I went to XXXX XXXX delivered a Cease and Desist letter telling them not to run my credit as a result my credit was ran multiple times.I try to address the concern with creditors letting them know the auto dealership violated the Cease and Desist order.I currently have a pending court case XX/XX/2020 resulting the violation of the Cease and Desist order.I try to contact XXXX letting them know i want to all dispute after XX/XX/2020 because it was in violation of the desist.

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 2021-07-01
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:
I am requesting to delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2019-01-15
Company: Financial Business and Consumer Solutions.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
rcvd notice from a debt collection agency ( FBCS , Inc ) that I owed {$490.00} to XXXX XXXX XXXX. I have never rcvd anything from XXXX nor have I ever had service with XXXX. I called the collection agency and it seems that someone in another town has opened a XXXX account with my name and SSN.. Now i am having to prove to XXXX that this is not me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section of the report.

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 2018-06-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have recently just checked on my credit score on XXXX XXXX and my credit score was affected by a hard inquiry that someone has recently made on my credit score stating on my credit report that someone has opened a PayPal credit account without my permission. Which showed as a hard inquiry on my credit report and made a low impact on my credit score however this still affected my credit score even if it is a low impact. This happened because someone opened a credit account under my name without my permission, knowledge, and consent. I do not know who had opened a credit account using my name.

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 2019-09-09
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: CORELOGIC INC
State: CA
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: Public record information inaccurate

Complaint:
Corelogic aka Credco has placed a tax lien on my rental history report. It does not show on my none of my credit reports from the 3 bureau 's. I have since been on a paid installment agreement with the IRS. The amount being reported by Corelogic is inaccurate.

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 2020-10-12
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company Jefferson capital slapped this account on my credit report without first sending a notice of my rights to dispute which is a violation of the fcra they also failed to validate this account just as the company before them that they bought this debt from failed to do so as well. That is a violation of the fdcpa..I called this company to have them remove this information because of these violations and they hung up in my face. This company is practicing illegally and I am ready to file a suit if this account is not removed from my credit file immediately. They will be fined for each violation if they continue to report this false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: Professional Finance Company, Inc.
State: KS
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 company is violating the fair credit reporting act by listing a fraudulent account that is not mine on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
State: NY
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2020-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery LLC, In the earlier response regarding disputed account # XXXX have ignored my request to explain the following inaccuracies in violation of credit reporting and collection laws : 1. The highest balance on XXXX XXXX XXXX, XXXX statement of {$2600.00} does not match the amount that you claim of {$3400.00}. No explanation of the difference and how they calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. 6. Charge off Amount is not provided. Also, please provide the same information for the second disputed account. Last, but most important - address on the statements ( XXXX, Oregon ) is not my address. My address is in XXXX and previous address in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates, LLC contacted me to say that I owe a debt from XXXX XXXX. through the Merchant XXXX XXXX. The amount is {$2800.00}. I have disputed the validity of the account many times over the phone, and they kept sending me letters that provided no real confirmation of proof that I was the individual that Incurred this debt. I sent them a certified letter and a copy to the FTC ( who forwarded it to your agency ) asking for them to again show proof, along with other requests. I have yet to date received any legitimate proof i.e. ; signatures on receipts where I purchased items, that this debt is mine. I have asked them to stop reporting this as a bad debt on my credit score until the dispute has been resolved and they have, so far, not complied. I would like assistance in understanding how they can claim that I owe something and not provide me with adequate proof of me owing anything. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
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: Their investigation did not fix an error on your report

Complaint:
I filed IRS Form XXXX in XX/XX/XXXX with the IRS to have a satisfied tax lien removed from by credit file. The IRS accepted and approved my request in late XX/XX/XXXX. They filed IRS Form XXXX XXXX with the Clerk of Superior Court of XXXX XXXX to withdraw the lien on XX/XX/XXXX. I have personally verified with the Clerk of Superior Court of XXXX XXXX that the lien is no longer recorded with the court. I filed a dispute with Equifax to have the lien removed from by credit file. I received a notification from Equifax on XX/XX/XXXX stating that the lien is reporting as released. That is incorrect. The lien has been withdrawn and is no longer being reported..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I noticed I received a tradeline on my Credit report from LVNV Funding, LLC for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/20. Ive obtained all receipts and signatures that my letter was accepted by the agency. 

By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/2020 and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Friday, XX/XX/XXXX, I received a ( paper ) letter in the mail from " XXXX XXXX XXXX. '', indicating to me that they are a collections company working on behalf of " Creditor : XXXX, XXXX '' to collect an " Amount Owed : {$2200.00} ''. The letter indicated that they have or will cancel my XXXX account unless I contact them and pay off the full amount or make payment arrangements. 

Immediately, I checked my XXXX activity and balance and found no record of this supposed debt, and the account numbers listed on this paper do not match the account ID information I have for my XXXX account. 

At about XXXX on XX/XX/XXXX, I called and spoke to a XXXX customer service representative who informed me this was not a legitimate letter or notice from XXXX and that my XXXX account is proper and in good standing. He instructed me to take photos of the image and e-mail them, along with an explanation, to XXXX, who I understand to be the fraud review department. 

I am deeply concerned about the content of this letter and its ' legitimacy. I have a very active XXXX account that I use for my business and personal needs ; I can not afford for this matter to end up on my credit reports and reduce my overall credit score. I am eager to pursue whatever means are necessary to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: SUNRISE CREDIT SERVICES, INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I left XXXX to XXXXXXXX XXXX did not own them any money but they sent me to collection agency.

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 2020-11-13
Company: Rocket Mortgage, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage through quicken loans/rocket mortgage. I was directed to their credit department, and told i needed to pay down a couple credit card balances to get approved. I paid the down and was directed back to the loan department. At which time I dealt with a total of 3 different loan officers. I just checked my credit report and found out every time they put me in touch with another person they ran my credit without my permission. I explained this to their credit compliance department, and they told me it didn't matter because they could pull my report as much as they wanted within 45 days and it would not affect my score. I've been told by other lenders that this is a lie. I was told 1. ) they can not pull my credit without my permission, 2. ) They have dropped my credit score by at least 10 points.

Company response to consumer: Closed with explanation