BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ACCOUNT INFO REFERENCE NUMBER XXXX U.S BANKRUPTCY COURT I HAVE REACHED OUT TO TRANSUNION SEVERAL TIMES TO REMOVE THIS PUBLIC RECORD OFF MY CREDIT REPORT I HAVE ALREDY GOTEN XXXX  AND XXXX  TO RESOLVE THIS PROBLEM THIS BANKRUPTCY ON MY TRANSUNION FILE SHOULD NOT BE THERE BECAUSE I DIDNT FILE FOR BANKRUPTCY THIS IS INCORRECT INFO

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 2017-07-27
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law dated XX/XX/XXXX any public record must include name and address as well as dob or SSN I 'm order for it to be included in your credit file. The credit bureau has not updated this information and per the new law true bankruptcy tax liens listed does not include this information thus the bankruptcy and tax lien should be taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Utah Loan Servicing, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a foreclosure that happened in 2008. The company continues to harrass me and put this account on my credit report. I am currently going through a security clearance and it keeps popping up. The account is having my job question my integrity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HARVARD COLLECTION SERV has been sending me collection notices in the amount of ( $ amount ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TD BANK US HOLDING COMPANY
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:
I paid a debt settlement to a third party collection agency collecting on behalf of TD bank ( XXXX XXXX XXXX ) TD bank updated my account as settled but also re-aged my account with XXXX and possibly the other agencies. Originally before paying this settlement it showed this account to be removed from reporting on XX/XX/XXXX now it shows to be removed on XX/XX/XXXX.The date of first delinquency was XX/XX/XXXX. My report shows OK for payment on XX/XX/XXXX and then delinquency the following month. This is how they re-aged the account. Also they keep reporting monthly as charged off after I 've settled this account to the credit reporting agencies which is keeping my score down monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a current customer of Rocket Mortgage and have a current Mortgage out on my primary residence and my mortgage is in good standing. Recently I was contacted regarding refinancing solicitation by Rocket Mortgage on XXXX. During this call a representative from the company stated there was a possibility for a new rate and cost savings that they can try to offer through additional refinancing. I expressed that I did not think I would like to refinance as I had refinanced my mortgage with Rocket 1 year prior. The representative redirected my concern and stated that it could be possible to help me save money and it would be a quick check. I stated then that I did not want my credit score affected and did not want a hard pull on my credit but should they be able to tell me available rates I would hear them.

After that the representative submitted a new application for refinancing into my account and did not give my any rate quotes and pulled my credit for a hard pull. I ended up having my credit score then drop XXXX points in a matter of a week. I have reached out to Rocket Mortgage to ask them to look into and also to rectify the situation as this could be considered in my opinion misleading or predatory behavior but my request was denied. Thus I am moving forward with my concern and complaint to CFPB so others do not experience this kind of misleading and poor business practice moving forward. 

Thank you for your time and your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
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:
I have tried to contact these companies and advise they have the wrong person, and nothing happens. 
Below are a list of these companies, this error is keeping me from buying a home. 

1 ) XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1400.00} 2 ) XXXX XXXX  Opened XX/XX/XXXX Balance {$590.00} 3 ) XXXX Opened XX/XX/XXXX Amount {$2100.00} 4 ) XXXX XXXX XXXX  Opened XX/XX/XXXX Amount {$1400.00} 5 ) XXXX XXXX XXXX  XX/XX/XXXX Amount {$550.00} 6 ) XXXX XXXX {$1400.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Experian Information Solutions 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:
I have contacted this collection company and disputed this charge many times as well as with the Credit Bureau directly. The collection agency has no right to place this on my credit report due my health Insurance paying both of these bills directly to the original creditor. I want the item removed immediately. There are two bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$700.00} account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1000.00} account number XXXX I want these items removed as they should have never been reported to 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 2022-02-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX and Equifax have failed to clear inquiries related to fraud/identity theft on my Credit report that I have reached out to them twice with via certified mail over 30 days ago. I sent out certified mail to both bureaus in the month of XXXX, and XXXX to which they fail to notify me of results regarding my findings as well as refuse to respond to me. According to the FCRA XXXX and Equifax if they can not verify the inquiries where they came from where they have my authorization pertaining to my signature along with me stating authorized approval for these credit pulls they aren't allowed to hold these on my report. I will attach the following documentation that was sent to these bureaus below but it has also been over 30 days since either bureau has responded or got back to me and I am in the process of going for a home loan which this is severely hurting my credit. There has been over 5 unauthorized pulls on both these bureaus off my credit which weren't me I sent documents stating and proving it was identity/theft fraud and both these bureaus fail to get back to me and provide substantial evidence if so that these belong to me. I need the CFPB help in removing these fraudulent inquiries so that I can go for this mortgage loan that I am applying for because not only is it severely hurting my credit there is no factual evidence tying me to these inquiries and it wasn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax reported that my name was at risk during their recent security breach. I was told that I need a police report to get a long term security freeze on my records. My local police department requests a letter from Equifax stating breach affected me. I have contacted equifax multiple times and have been told to sign up for a free year identity monitoring. They said that they can not help me with anything else and sent me to a website for any more information. My 90 day freeze that I had to pay {$10.00} to three credit bureaus is over. I do n't want to have to keep paying because when once the report is filed I would get 7 yrs for free.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Persolve, LLC - Legal - Series 2
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Persolve Legal Group, LL is trying to collect XXXX when clearly all I owed was XXXX. They keep closing and reopening it on my credit report destroying my credit. I shouldn't have to pay all them lawyers fees that keep increasing! There is some messy business! Account number is not provided on credit report as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: EQUIFAX, INC.
State: MI
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:
MY MAIN COMPLAINT THAT I AM REQUESTING YOUR HELP WITH IS THAT XXXX VIOLATED THE FAIR CREDIT REPORTING ACT, SECTION 623 ( a ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICES ACT, SECTION 807 ( 8 ). THEREFORE, THEY MUST REMOVE THE ITEM FROM MY CREDIT REPORTS. THEY COMPLETELY IGNORED MY LETTER TELLING THEM THEY VIOLATED THE ACT AND THAT THEY MUST DELETE THE ITEM FROM MY CREDIT REPORTS. IVE NUMBERED EACH DOCUMENT THAT I WILL BE UPLOADING.
DOCUMENTATION # 1 THIS IS THE FIRST LETTER I SENT DISPUTING A DEBT ON MY CREDIT REPORT. THE FULL LETTER WILL BE UPLOADED FURTHER IN THE COMPLAINT. FOLLOW THE UPLOADED DOCUMENTS 1-5 TO GET THE WHOLE STORY.` XXXX/XXXX/2017 **XXXX XXXX XXXX XXXX XXXX, WI XXXX  Re : # **** To Whom It May Concern : This letter is regarding account # ****, which you claim I owe {$300.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
# 2 COPY FROM US POSTAL SERVICE COPY OF SIGNATURE AND RECEIPT OF CERTIFIED LETTER ON XXXX/XXXX/2017.
# 3 LETTER FROM XXXX INDICATING THEY DEEMED MY COMPLAINT FRIVOLOUS OR IRRELEVANT, DATED XXXX/XXXX/17 AND RECEIVED BY ME ON XXXX/XXXX/17.
# 4 & # 5 LETTER FROM ME TO XXXX INFORMING THEM THAT THEY HAVE VIOLATED THE FAIR CREDIT REPORTING ACT AND A COPY OF XXXX ON MY CREDIT REPORT **Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX-XXXX-2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX i called in after finding out that this collection account was still on my credit report. On XX/XX/XXXX i called in when finding out that this was on my credit report and paid the balance owed. I was told that this was going to be removed once paid. Only to call Macys and find out why it was still on there I emailed the CEO and XXXX called me on his behalf. She confirmed that the account was paid via email but not removed. " RE : Macys Account Ending In XXXX Dear XXXX XXXX : This letter will confirm that a Macys account ending in XXXX in your name, had a balance of {$320.00} and was charged off on XX/XX/XXXX. On XX/XX/XXXX, the account was settled for an amount of {$160.00} and that amount was paid in full on the same day. If you have further questions or concerns, please do not hesitate to contact me at the number below. Sincerely, '' I am in the process of buying a house and this is really impacting me for getting approved. I am requesting that you please remove this debt AS i WAS GIVEN FASLE INFORMATION. XXXX XXXX Macys Executive Office Phone : 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 2022-02-04
Company: Experian Information Solutions 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:
On XX/XX/2022, Experian received identity theft documents that legally required them to block the reporting of a fraudulent XXXX account. They deleted the account on XX/XX/2022. 
Then on XX/XX/2022, they reinserted the fraudulent XXXX account without providing the required validation documents ( proof of identity of the Original Creditor ), to prove that the account is accurate. In addition, they furnished my credit report without my written consent, which is a violation in itself. 
I spoke to supervisor XXXX today, XX/XX/2022 at XXXX in the afternoon and informed her of the laws they were violating by reinserting without proper evidence and asked her to provide me the proof that XXXX allegedly sent them to verify that the debt was accurate. She was unable or unwilling to comply. 
Experian now has willfully and knowingly violated several of my federally protected consumer rights and I am demanding remedy.

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 2017-07-27
Company: KEYCORP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage with Key Bank ( previously XXXX XXXX ) for roughly 2.5 years. Every month I make my payment online through XXXX XXXX 's bill pay. I have never had an issue until now. This month I received a letter from Key Bank stating that I was past due on my XX/XX/XXXX payment and assessed a late fee. I was warned that this could potentially be reported to the credit bureaus. I checked my XXXX online banking to see the payment was sent and received by Key Bank on on XXXX XXXX, 2017 so far before my due date of XX/XX/XXXX. I have a confirmation number of this transaction and the amount is no longer in my account. I called Key Bank on XX/XX/XXXX when I opened the letter from them. The agents informed me the call was to collect a debt from me. I was transferred several times till finally I was given an email address to a manager to send my proof of payment. I emailed this proof with the confirmation number and was told I would hear back soon. After not hearing for over 48 hours I called back. No one knew anything that I was talking about and still said I owed money and a late fee. Additionally, besides making my payment on time, I also made a lump sum payment of XXXX dollars on XX/XX/XXXX ( which is in my payment grace period ) to remove the PMI from my mortgage. So essentially I payed around {$27000.00} on time. Key Bank is still telling me they are not able to locate my payment, and they took my payment for XX/XX/XXXX and applied to to XX/XX/XXXX. My XX/XX/XXXX payment was for an extra XXXX dollars that was supposed to go toward my principle. They used some of that money to pay the late fee from the previous month. I paid XXXX to fax them proof of the electronic debit. They still said this is insufficient. Basically there is XXXX missing of mine. XXXX says they sent it to Key Bank and they say they never got it. I am now considered behind on payments. Key Bank 's customer service is more than poor. It has been despicable. No one knows what each other is doing and they do not respond after promising to get back in touch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During approximately XX/XX/XXXX, due to the Covid-19 epidemic, my wife was laid-off from her XXXX XXXX XXXX employment XXXX indifferently XXXX Also due to the Covid-19 epidemic. my monthly salary was cut approximately 15 % by my XXXX XXXX  XXXX  XXXX  employer. 

Because we were financially dependent on a full XXXX salary family income, I immediately contacted my mortgage company, SPS, for options in paying our future mortgage payment ; which would prevent possible future foreclosure. In response, upon an application submission and review process, SPS generously granted us a XXXX period unemployment forbearance plan, which reduced our monthly mortgage payment by approximately {$1300.00}. 

During approximately XX/XX/XXXX, due to the reduction at that time in the XXXX XXXX rate, my wife was reinstated by her XXXX employer on a part-time basis. In addition, my full monthly salary was reinstated to a pre-pandemic level. 

During approximately XX/XX/XXXX, I notified SPS of my wife 's employment status and my full salary reinstatement status. At that time, I requested from SPS a program to repay the outstanding deferred mortgage balance, of approximately {$20000.00}, due to our past participation in SPS ' granted unemployment forbearance plan. 

On XXXX, i received from SPS in the mail their notice of future foreclosure of my property, if I failed to pay in full the {$20000.00} balance by XX/XX/XXXX. In response, I immediately telephoned SPS about their demand. In response, the SPS Representative informed us that SPS decided not to offer us any monthly payment installment options to pay the {$20000.00} outstanding deferred mortgage balance and thus foreclosure of my property would take place after XX/XX/XXXX, if the full balance isn't received by SPS before that date. 

I clearly and politely explained to the SPS representative that we went through severe financial hardship during the Covid-19 epidemic, which caused us to deplete our financial savings, and thus we didn't have the current means to pay that large outstanding lump sum balance back to SPS, which SPS was now demanding. In response, the SPS Representative informed us that there were currently no repayment installment options available to us to pay back the {$20000.00} balance and thus the full amount was due by XX/XX/XXXX, XXXX 

Please note that we are not requesting any type of charity program from SPS. We just respectfully need a means to pay back the deferred mortgage balance in an installment plan, so that we can avoid upcoming foreclosure and also have the ability to pay SPS back the outstanding deferred mortgage balance that we owe them,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation