BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Late Payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Wells Fargo. takes over unauthorized fees for monthly savings and checking fees.

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 monetary relief
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from 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 non-monetary relief
Consumer complaint received 2021-05-07
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the process I provided the Company with all documents requested but had a home that was being sold in which I provided them all documents that were given to me by the company and requested by them. My concerns were at every turn they seemed to continue to scrutinize my documents excessively and the reasons for it didn't really make sense. Despite having an average 840 credit score, over 740 score for mortgages which I was told by them is over qualified, I was being asked to keep proving payment history for my house despite it being paid off in documents that were given and reflected in my credit report as no late payments for over 15 years. After questioning the motives of this type of review and leaving messages expressing my displeasure with the process the Rep called the next day saying he spoke with underwriting and they would accept documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: CORELOGIC 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:
I received a copy of my credit report and I noticed a credit inquiry on my credit report by Credco. I wrote to the company telling them that I had not authorized any inquiries with their company and that they should please validate this inquiry by sending me the completed credit application with my signature on it. If they were not able to validate this inquiry, as per Fair Trading Reporting Act, they should remove it. They then informed me that that they could not find an application for me and that they wanted me to validate the inquiry for them. So far they have not sent me this credit application and they have not removed the inquiry form my report. Instead they are asking me to validate the inquiry by sending them a copy of my credit report, even though the letter that I sent them already had my credit report included in it along with my date of birth and social security number.

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 2019-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX  claimed to consolidate my student loan and bring it down to 50% if I continued to be employed for a minimum of 5 years. XXXX would begin the process only after I paid the fee which included 2 installments of $XXXX and they would not accept any other form of payment other than my bank routing and checking numbers. Once they received the payments, they would contact my loan servicer, XXXX Student Loan Agency, and submit my repayment plan/contract. I paid them a total of $XXXX from XX/XX/XXXX to XX/XX/XXXX. After I continued to receive bills from XXXX I decided  to contact them and see why I was still behind on my payments. XXXX assured me that they do not interact with third party companies about student loans and if I needed a forbearance they would help me directly. I told XXXX that I had a contract/plan from XXXX to send them and that this company assured me they would contact XXXX to help with my student loan. XXXX apologized for the inconvenience and told me to contact my financial institution to let them know I had been a victim of fraud. I contacted Bank of America immediately and they returned the $XXXX but only to take it back a month later. I called Bank of America onXX/XX/XXXX and asked why they left my account negative and they said that XXXX forward them the contract where I gave them permission to take this money from my account.

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 monetary relief
Consumer complaint received 2023-05-02
Company: ERC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was looking at my current credit reports and noticed a new collection that Ive never received any communication about from Enhanced Recovery Co. It says for XXXX and the amount is {$530.00}. I check my reports weekly and this just arrived at the end of XXXX but on my credit report on XXXX it states it was opened in XX/XX/2023. I called XXXX and they have no knowledge of this supposed debt so I believe this is either someone else 's debt or identity theft. This is hurting my ability to get credit from anyone and I would like it removed since it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Notice of Dispute. 
On XXXX Midland Credit Management defamed my character, slandered my Credit and Invaded my Privacy to all the main Credit reporting agencies and several of the junior credit reporting agencies. I don't have a contract with this company, nor do I owe them any alleged debt they claim to be owed. I have been injured by this company and demand full redress from this unlawful act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Resurgent Capital Services L.P.
State: DE
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 whole heartedly disagree with lvnv fundings response to my compliant. Lvnv funding can not prove anything. Account statements and a card holder agreement is not enough proof to collect a debt. i am requiring for lvnv to provide a contract that bears my legal signature that obligates me to even pay this debt. I am requiring for them to provide any internet Ip addresses that proves i initiated anything. the supreme court has ruled that account statements is not considered adequate in debt collection processes. Anyone can fabricate a statement of accounts, any one can get a card holder agreement online. Where is the actual proof this account belongs to me. Also the record should state that the lawsuit was not dismissed because of an expiring statue of limitations. The law suit was dismissed because of lvnv funding inability to provide the necessary documentation that i requested proving the validity of the accounts in question. the lawsuit was dismissed because they could not provide any legal proof! the statute of limitations expired after the case was dismissed. Futher more missing from the information they provided is a bill of sales proving they purchased this alleged debt, A transfer of ownership, any witnesses that appeared during the transfer, and proof they can collect in the state of Delaware. This is information they must legally provide. 

i am asking for : XXXX. ) a contract that bears my legal signature proving i owe this debt XXXX. ) Any internet ip addresses that can be tied to me XXXX. ) bills of sales agreement showing the purchase of the debt XXXX. ) transfer of ownership XXXX. ) witness statements that this debt was actually sold XXXX. ) proof that they can collect in my state CFPB please be advised that i will start the litigation process and will use this information as proof against lvnv funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: PA
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 checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: MS
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/2020, I requested inaccurate accounts to be investigated on my credit report. I received a response that those inaccurate accounts had been verified and I know they are not reporting accurately. On XX/XX/2020, I mailed another letter asking for proof of investigation and pointed out inaccuracies. I received a response that these accounts were updated although I compared them and there were ( no changes ). I also didn't get any proof of the investigation.

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 2018-02-28
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I received a letter from XXXX County informing that my property taxes were overdue. I contacted Freedom immediately to inform them of this situation and then emailed a copy of the original bill and overdue bill with interest. Since this was a Saturday, I followed up with Freedom during the work week to ensure information was received. I was informed that your tax department has 30 days to take care of this matter completion date of XX/XX/XXXX. 

XX/XX/XXXX I received a letter from XXXX County informing me of a collection notice. I contacted Freedom and informed by ID : XXXX legal action would be taken on Freedom Mortgage, not myself. I was reassured Freedom was the responsible party and the county would not take action against me and that payment would be submitted by XX/XX/XXXX. 

XX/XX/XXXX I contacted the XXXX County who informed me civil action has been taken against me and they have contacted my employer to garnish my wages. I spent over 2 hours on the phone with Freedom Mortgage attempting to get this resolved ( throughout the course of 4 phone calls ). I also had to take the morning off to go to the county tax office. I informed Freedom at XXXX eastern the severity of the situation and that I was now being financially punished for their failure to pay my property tax bill. I was assured it would be handled and paid by XXXX eastern. At XXXX I followed up still no payment. I was escalated ( above general supervisors ) to ID : XXXX and told she would be escalating to her supervisor and I would receive a callback at XXXX on XX/XX/XXXX. 

XX/XX/XXXX I reached out to Freedom at XXXX after not receiving a call-back and payment has yet to be handled. I am yet again being escalated above the supervisor level and awaiting a callback from supervisor of ID : XXXX, no known ID but her name is 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 2021-07-22
Company: EQUIFAX, INC.
State: NJ
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 noticed a account on my credit report I do not recognize and also a few unauthorized credit inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) XXXX Balance : {$86.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent out letters to the credit bureaus regarding inaccurate and false information that was being reported on my credit report. Its been well over at least 60 days now and I still haven't heard back from them. I think i'm being ignored as well as take advantage of when it comes to my disputes. But I know that section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 60 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the damages caused to me by the inaccurate reporting of my credit report. My information was also impacted by the XXXX data breach and could've potentially been misused by someone else other than myself.

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 2023-02-04
Company: Experian Information Solutions Inc.
State: TN
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX GA XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Spoke with Trans- union this evening. I was attempting to upload my mortgage payment info online via trans-union website of current to PROVE my payments have been made and have been current since 2008, and this mortgage is not showing on my report now. Speaking with the trans-union overseas agents, I was told that my mortgage company had to be a subscriber to trans-union??? Well how do I make that happen, I can not. Why is the mortgage not showing up? still, it used to show.  I do not understand this. I just need to show that a lot of years of payments have been made on time other than when the mortgage central bankers tried to take my home back in XX/XX/2008 along with stealing many other homes. Yes it has taken me a long time to get through many deaths in my family and this induced XXXX   escapade of draining from these credit "REPORTING" privately owned entities have been sued many times, maybe I need to get inline on this one.. Why are seniors hit so hard? Can we get this corrected to at least show my payments for now? I do not understand this at all. Bless who come after us.

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 2019-08-15
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed money to US Bank as a result of an overdrawn bank account. On XX/XX/2015 I settled the debt with a company by the name of XXXX XXXX XXXX XXXX. Since then I and many of my family members have been called and harassed by a company called XXXX and XXXX stating that I owe a debt to US Bank and that it needs to be paid otherwise they are going to garnish my wages, place a lien on my house and that I will have to hire an attorney to defend myself because they are taking me to court and serving me papers. A couple of months ago when I received a call and explained that I have proof that I have already paid that debt they told me that you must have paid the wrong collection agency. Well thats not a thing, I paid it and I have a paper stating that I am free and clear from the debt. So I called US bank and they said they no record of me owing any money other than what has already been paid and closed. They continue to call my mom, mother in law, ex mother in law, husband, father. Its getting WAY out of control and Im not sure how to get them to stop or how it is even legal.

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 2022-05-03
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card XXXX  account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation