BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
About a week ago I received updates on my credit monitoring service that XXXX XXXX has appeared on all 3 of my credit reports, I did visit the website but dont recall even signing up for it. I was under the impression that they provide an additional tradeline that would help add points to the credit reports, not show an additional debt for $ XXXX. Im in the process of buying a house & cant afford to add an 80 % utilization to my file. Ive tried contacting the company & have not received a call or email back which makes me believe its 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 2021-02-10
Company: Rocket Mortgage, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
as per your website https : //www.consumerfinance.gov/ask-cfpb/what-information-do-i-have-to-provide-a-lender-in-order-to-receive-a-loan-estimate-en-1987/ Loan officers are required to provide you with a Loan Estimate once you have provided : your name, your income, your Social Security number ( so the lender can pull a credit report ), the property address, an estimate of the value of the property, and the desired loan amount. 
Your loan officer can not require you to provide documents verifying this information before providing you with a Loan Estimate. >>> I contacted quicken loan to get a rate for my refinance and they had me fill up an online application which took over 15mins to fill that included all the above information. earlier today the following gentleman called and proceed to ask me questions that should not be asked and as per your website and my dealing with other lenders is not required to get a preliminary rate quote and approximate closing costs estimate. 

XXXX XXXX XXXX Mortgage Banker Toll Free : ( XXXX ) XXXX x XXXX Fax : ( XXXX ) XXXX NMLS # XXXX XXXX refused to provide me the rate estimate in spite of me providing them all the legally required information indicating he had to go through a detailed questionnaire before giving me a rate estimate. Question he was asking included. 

1. are you married. 
2. How long have you been married. etc As this was me looking around for rates from various lender. I found this over information seeking excessive for a preliminary rate estimate and i terminated the conversation. I find this practice highly unethical and a huge waste of my time. 

As a current victim of identity theft i do not want to provide any more information than that is legally necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax leaked my personal information including, potentially, DOB, social security number, addresses and more. Now my entire credit history is compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent letter end of XXXX to request account documentation to provide proof of debt. Never received. Then received notification that I was being sued by this debt collector, each time I call I get different information. Phone calls have been recorded, they are giving me the run around and refusing to provide proof of the debt. They say their phone lines are messed up or provide # s that dont work, they tell me to call back later. I have asked 3 times who the attorney is in the case and am told 3 different answers. I finally placed the debt into dispute.

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 2023-05-04
Company: Herbert P. Sears Co., Inc.
State: MD
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 looked at my report and I have never rented a car in my life.Please delete this off my credit report thank you.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX XXXX ; {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
About a week ago I received updates on my credit monitoring service that XXXX XXXX has appeared on all 3 of my credit reports, I did visit the website but dont recall even signing up for it. I was under the impression that they provide an additional tradeline that would help add points to the credit reports, not show an additional debt for $ XXXX. XXXX in the process of buying a house & cant afford to add an 80 % utilization to my file. Ive tried contacting the company & have not received a call or email back which makes me believe its 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 2018-05-20
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On or around XX/XX/XXXX I contacted all three credit reporting bureaus about the removal of a negative item showing paid as agreed on my credit from XXXX XXXX XXXX XXXX. I advised each of them the negative account activity shouldnt be showing if the account is paid as agreed. This is false reporting or double talk. I also raised awareness that just because I dispute old items currently they shouldnt be reporting it like it happened currently as the negative activity happened in XX/XX/XXXX. It was the actual first date of delinquency of this one account. They informed me that the account reported a second delinquency in XX/XX/XXXX and that is the 7yr date they will remove it from. I informed them then that this is wrong. Reporting of a delinquency as I will show you all in the statement disclosure sent with the reports to consumers in the document section. The disclosure specifically stated a delinquent account remains on record for UP to 7yrs of FIRST DELINQUENCY ( XX/XX/XXXX ) not second delinquency. Therefore Im demanding they remove this item from my credit report as it is reporting in noncompliance of the disclosure. They all refuse to let me file a dispute about their wrongful reporting so if they dont remove it Id like to raise the awareness to the FTC of my FCRA rights. This is a violation of my right to have negative items removed in a timely fashion as well as refusal to allow me to file a dispute about it. Not the creditor because theyre information is correct. Im disputed the removal in compliance with the deletion of negative delinquent items. After all if an item is closed and paid as agreed how can it be listed as a negative item and be paid as agreed it dont make sense so clearly its bad reporting on the part of XXXX, XXXX and Experian. There are laws and I have rights and I ask that this negative paid as agreed XXXX balance account be removed from my report as well as the other borrower on this account. This account is paid and closed as of XX/XX/XXXX. It is set to be removed up to 7yrs of FIRST delinquency and I ask that it get removed on or before XX/XX/XXXX. I dont pay nothing late and this needs to be fixed. Otherwise Id like it very much that all 3 bureaus be held accountable for unlawful reporting practices by making accounts current thats old when consumers dispute the information and not allowing me to dispute this items removal 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 2017-09-09
Company: EQUIFAX, INC.
State: MA
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:
Equifax took insufficient steps to properly secure sensitive financial data. My data and 143 million of my fellow americans data have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: NC
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 or about the dates XXXX, and XX/XX/2022 as shown on my XXXX, Experian, and XXXX credit file, XXXX XXXXXXXX XXXX XXXX has supplied late payments . 15 USC 1666 B clearly states : " A creditor MAY NOT treat a payment on a credit card account under an open end consumer credit plan as late for ANY REASON. 
Furthermore, 15 USC 1681 Section 602 states : I have a right to privacy. FCRA 15 USC1681 Section 604 A that my written permission is needed to furnish any items on my credit report ( s ). So therefore, XXXX XXXXXXXX XXXX XXXX has violated my rights and furnished damaging illegal entries to my credit file, at which prevents me from simply living my life and causes me great stress. Also during this same time frame of late payments i was seriously impacted by Covid-19, so I would also like to enforce my full rights as it applies to this matter under the CaresAct.

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 2023-03-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Reporting Agency, I am writing to dispute the negative items on my credit report. Upon reviewing my credit report, I have noticed that there are several inaccurate and outdated items that require your immediate attention. 

Firstly, regarding the inquiries made by XXXX XXXX XXXX and XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I would like to inform you that inquiries have reached the statute of limitations and should be removed from my credit report. 

Secondly, with respect to the account number XXXX associated with XXXX XXXX, I demand that the late payment information be removed from this account. The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

Thirdly, for the account number XXXX associated with XXXX XXXX XXXX, I request that the incorrect late payment information be removed from this account as well. You can not report this account as updated when nothing has been changed! 

Fourthly, for the account number XXXX associated with XXXX BANK XXXX XXXX XXXX request that you verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Lastly, for the account numbers XXXX and XXXX associated with XXXX XXXXXXXX XXXX XXXX and XXXX XXXX respectively, I request that the same incorrect late payments be removed from these accounts as well. You can not report these accounts as updated when nothing has been changed! 

I would like to request that you investigate and correct these inaccuracies as soon as possible. Your cooperation in this matter is greatly appreciated. 

Sincerely, 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 2023-04-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX, 2023, XXXX credit bureau collided with XXXX Account XXXX ( a fraudulent company ) to harm my financial reputation. 

XXXX allowed XXXX to reopen a closed account to deliberately affect my XXXX XXXX. 

This account has been challenged as fraudulent, and a cease and desist order has been placed upon them. 

They violated such order by contacting XXXX to update my credit profile without deleting the identity theft information.

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 2020-06-03
Company: Gurstel Law Firm, P.C.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and got a loan with a company called XXXX XXXX. They've been trying to collect it for over 5 years. I've sent documents related to the identity theft four times now and they still are trying to collect. It keeps getting sold off to other debt collection agencies and they keep trying to collect this debt. 
I will no longer keep sending documents when when I have done it so many times. I believe the original date was XX/XX/2015and approximately {$2000.00}. I did not receive any funds from this company and I will not pay them or any of the five collection agencies that have contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Last week, my wife was not able to use the Citibank web site to transfer funds from her Citibank savings account to her checking account at XXXX XXXX. She had used this transfer feature of the Citibank web site in XX/XX/2017. However, last week there was a very clear problem with the Citibank Web site. The error message said [ Override me please { setProperty } ].

The Citibank Online Technical support person, XXXX, ignored this message, and instead insisted that the computer my wife was using was not up-to-date enough. His conduct during the discussion was disrespectful and condescending.

Several hours later, my wife received an email message that the problem had been corrected.

The problem most certainly HAD NOT BEEN CORRECTED.

Today I attempted use the same Citibank web site transfer feature to transfer funds from my Citibank checking account to my checking account at XXXX XXXX. The transfer could not be completed. Once again, the error message said [ Override me please { setProperty } ].

I contacted Citibank through their chat feature. The Citibank representative, XXXX, stated that no one had reported this problem with the transfer funds feature of the Citibank web site.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a hurricane Ian victim and my loan is currently on a forbearance program ending this month. My interest only loan was on hold with no additional interest or fees. I received my statement on XX/XX/2023. I called multiple representatives and was on hold countless times. The forbearance monthly payment total doesn't add up correctly. There are additional charges added which are not itemized on the statement. Today I spent more than XXXX hours on the phone with multiple SPS servicers XXXX, XXXX and others, who weren't able to adress my question in this regard. The last supervisor XXXX XXXX promised to call me back on Monday with the explanation. Also as a hurricane victim my XXXX hazard insurance was legally binding and active regardless that I missed my last quaterly payment of {$810.00}. 
I found out that SPS paid my hazard insurance bill on my behalf without my admission on XX/XX/XXXX and told that they added this charge to my escrow. I sent a request to remove my insurance payments from my escrow as I need to control my financial obligations myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: SIMM Associates, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I keep receiving calls from a company who claims to be called SIMM Associates. They ask for different peoples names. They say its regarding a personal issue. They dont reveal much more than that. Ive told them to remove my number and to no longer contact me. They hang up each time I tell them to stop calling me. They clearly have the wrong number or a scam. I will be contacting my attorney on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: EQUIFAX, 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: Other problem getting your report or credit score

Complaint:
I have complained to Equifax and CFPB on multiple occasions regarding being locked out of online disputes and access to my credit report. Even when the questions are answered correctly, I am blocked from accessing my report online to complete disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. 
I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent letter end of XXXX to request account documentation to provide proof of debt. Never received. Then received notification that I was being sued by this debt collector, each time I call I get different information. Phone calls have been recorded, they are giving me the run around and refusing to provide proof of the debt. They say their phone lines are messed up or provide # s that dont work, they tell me to call back later. I have asked 3 times who the attorney is in the case and am told 3 different answers. I finally placed the debt into dispute.

Company response to consumer: Closed with explanation