BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
On XX/XX/2019 I sent a certified letter to Portfolio Recovery Associates LLC requesting validation of a debt the claim I owe. The company responded by sending me two statements dated XX/XX/2019 saying they had investigated the matter and found that the debt was valid.they included a copy of a letter and copies of two months of billing statements from XXXX XXXX. I sent Portfolio Recovery Associates LLC a second certified letter with return receipt on XX/XX/2019. It was signed for by XXXX XXXX on XX/XX/2019. I then received another statement dated XX/XX/2019 that again stated the debt was valid, and enclosed another copy of the same copy of a letter from XXXX XXXX.The last thing I received was another two statements dated XX/XX/2019 saying again they consider the debt valid, will no longer investigate, will no longer reply to requests for validation, and consider this matter closed. In total the only evidence of this debt that Portfolio Recovery Associates LLC provided to me was the copies of two monthly bille and two copies of the same letter, this does not meet the requirements set by the Fair Debt Collection Practices Act or the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I contacted Quicken Loans to refinance an existing home mortgage loan. I spoke with two mortgage bankers, XXXX XXXX and XXXX. I informed them both that I wanted to refinance a mortgage loan. Both the bankers informed me that my credit score had to be a XXXX to qualify for a conventional loan. 

I made them aware that my credit score was ran a few months ago and I qualified for a conventional loan. However, the customer service was very poor from the previous mortgage banker so I didn't proceed with the financing of the loan. 

I requested that XXXX pull my credit report again to see if the score had increased.

He pulled my credit report and stated my credit score had decreased and I didn't qualify for a conventional loan, but I may be eligible for an FHA loan. I told XXXX that I didn't want an FHA loan and I wasn't gon na proceed with the loan application. 

As I was attempting to end the call, he informed me that my credit score ( the middle score ) had to be a XXXX to qualify for a conventional loan. However, in the previous conversation, both mortgage bankers stated my credit score had to be XXXX to qualify for a conventional loan. 

My complaint is that Quicken Loans mortgage bankers are providing misleading information to customers ( I believe from a protected class ) to finance mortgages with high interest rate loans. The bankers are not helpful with getting loans approved and they are taking advantage of customers who are from a protected class. 

I've spoken to three bankers with Quicken Loans and they were not able to assist me with the financing of my mortgage. The customer service has been very poor and I feel I have been discriminated against because of my race and gender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-03-13
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Greetings, Initially this was a hospital debt my wife and I paid off. We can't find this in our records as of yet, so the next concern became ... When did this company XXXX notify us of this debt? On what date did they attempt to collect the debt? What was our response, because it would have been paid? We can't pay off a debt if we received no notification or there was no attempt to contact us or who we would need to contact. I am requesting documentation of these efforts and information. 

This should include dates, documents, address and phone numbers utilized for collection. Notes on account of any contact with me and the result of that contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Convergent Res called to say I owed money on a XXXX XXXX account. XXXX XXXX is no longer a banking institution nor has it been for a long time. Additionally, I have never had a XXXX XXXX account or any of their banking products. 

After telling the company the aforementioned, I was asked to provide Personally Identifiable Information ( PII ) in order for them to place me on their " do not call list ''. Asking for PII is highly illegal, especially after I 've told them they have the wrong person.

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 2020-09-10
Company: Mr. Cooper Group Inc.
State: ID
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Due to covid I paid our mortgage company Mr. Cooper ( Nationstar ) on  the XX/XX/2020 for our XX/XX/XXXX payment and was told that paying within the month would not result in a 30 day mark on our credit ... we have a new 30 day late on our credit dropping our score 77 points. I have tried to reach customer service at Mr. Cooper on three occasions now all of them resulting in a circular path to no one through their phone prompts and when I have waited both times were for 30 minutes with no response or informed time to be answered by a customer service agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2019-11-01
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 a man from Kentucky accessed my online bank profile and account at Chase bank and removed the secondary joint holder and put a new, his name on the account and changed the address of the account then transferred {$60000.00} without either of the original primary or secondary account holders convent. Filed with Chase and made police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, XXXX, NY 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 2021-01-24
Company: CBC Companies, 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit reports. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-09-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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:
Im extremely mad with XXXX because they are not following the law, I have four accounts ( that are reporting to the other two credit bureaus ( XXXX XXXX  ), ( USAA Saving Bank ), ( XXXX XXXX ) and a other ( USAA Saving Bank ), Are these for accounts are reporting tool or three credit Bureaus as per each creditor.XXXX XXXX, XXXX  are reporting these accounts but XXXX fails to report these accounts. I called XXXX multiple times letting them know about the issue also letting them know that they arent reporting anything since XX/XX/2018 they are  noncompliant to the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
American Education Services refuses to allow me to automatically pay my bill online due to three failed ACH drafts from where i switched bank accounts and did not have the funds. There is no one they will allow me to talk to in the Financial Management Department & they refuse to send me to someone in that department or email them on my behalf. I just want to be able to pay my bill online and automatically. What other Loan Services refuses to take payments FOREVER automatically becuase a  client had a issue with ACH payments once YEARS ago?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have filed a complaint and the information that Wells Fargo sent is incorrect. According to Wells Fargo, I was a XXXX XXXX XXXX and then got a job during the process of buying the house. I had been employed XXXX years. I was employed less than a month which warrants further investigation. This is a HELOC loan given in 2005 when Wells Fargo admittingly was offering fraudulent loans to unsuspecting victims like myself. This is predatory behavior and as per their statement, I did not have the income if you look further into this complaint. Full-time XXXXXXXX XXXX  means no job. On top of this, they could not have figured out my monthly income based on the XXXX years I had worked. The XXXX was not below the 50 % when factored in the less than a month work and before taxes. Again, if you actually investigate this you will see the predatory behavior that is clearly shown on this account. I am tired of being the victim of this bank and I need assistance in these fraudulent charges and how they preyed on a XXXX XXXX XXXX right out of XXXXXXXX XXXX with no savings and less than a month of work.

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 2020-07-22
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax reinserted a bankruptcy on my credit report on XX/XX/XXXX, after they took it off over a year ago. Equifax stated in an online dispute that they verified/validated the bankruptcy with XXXX XXXX which is untrue. I called XXXX XXXX at XXXX and spoke with a representative explaining that Equifax stated they verified a bankruptcy to Equifax. XXXX XXXX stated there was nothing in there files that shows I requested anyone to pull my credit since XX/XX/XXXX and that was a insurance company. My XXXX XXXX  file is froze due to identity theft and XXXX XXXX  assured me they did not verify any information with Equifax. Equifax stated they called a number that supposed to belong to XXXX XXXX  but the number they have on the file that equifax stated they used is a phone number that is to another country which is XXXX. XXXX XXXX does not have a number connected in XXXX. I have disputed numerous times an address that does not belong to me which is XXXX XXXX  XXXX XXXX, XXXX, ohio XXXX. Equifax reinserted that address also after taking the address off my credit report and reinserting with no validation. equifax has removed accounts that belong to me that I never disputed. Equifax removed my current permanent address without my permission. I live in nevada and have been her since XXXX. My address is XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, nevada XXXX my ohio address is XXXX XXXX XXXX, XXXX XXXX ohio XXXX. Equifax has ruined my credit report causing my score to plum XXXX plus points causing my score to go from XXXX to XXXX. This is a major problem and need to fixed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Quality Asset Recovery LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Quality Asset Recovery is reporting a collection account on my reports that I have been disputing for some time now. I sent them a letter requesting validation of debt and it has been over 30 days and they have not responded in any way. Per the consumer laws and rights, if a consumer requests documentation and reaches out to a creditor to dispute an account with a creditor or bureau they must acknowledge and respond to the dispute. Quality Asset Recovery is in violation of the consumer laws and I am requesting that this account is deleted from my credit 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 2018-09-10
Company: CORELOGIC INC
State: FL
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 just looked into my credit report and saw a bunch of inquires that I didnt allow on my report. I contacted XXXX XXXX to get it fixed and they were no help they told me to contact the companies its self, I did that and then the creditors gave me a run around and then i called back to XXXX XXXX and they said they couldn't help further. I want these inquires that I did not make on my credit report off. 
They did give me a file number : XXXX Inquires : CREDCO  XXXX XXXX XXXX XXXX XXXX ( 3 times repeated ) XXXX ( 2 times repeated )

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 2019-03-13
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: Account information incorrect

Complaint:
XXXX XXXX sent letter outside the deadline period of the 30 days to providing the promissory notes from XXXX University original signatures. The letter is post dated On XX/XX/XXXX and only provides promissory note from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/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