BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
1 ) XXXX XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be. 

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all XXXX bureaus. 

3 ) XXXX XXXX XXXX Credit Card does not show up on my XX/XX/XXXX report but shows on Transition & 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 explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: LA
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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was looking over my credit report and noticed that this company is inaccurately reporting negative items. I submitted disputes over 60 days ago and haven't gotten a response or a solution to my problem! I have attached those letters for confirmation.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 called trans union to follow up on my complaint, and talked to a supervisor Named XXXX and I asked her about the certified letter and the process to remedy the issue and she replied they can report the info without any consent from me to finish my report even after I informed her of the laws and hardship it has caused in my life.

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 2020-07-15
Company: Perfection Collection
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After getting my annual credit reports, I discovered that I had a collection on my account. I found out what the original company was, an alarm monitoring system. I contacted them, they did not have my information. They said that they had put this into collection. The service was for an XXXX  address. I live in XXXX XXXX  and do not use any service of this type. I called the Perfection Collection Agency on XX/XX/XXXX and informed them this was not my debt. They said nothing. I have since disputed this on my credit reports and added a consumer statement, this is fraud. 
I am also sending a certified letter to this collection company for documentation that this is valid. It, of course, is not as I never have used these services. 
I have never lived or received mail anywhere but XXXX XXXX  in over 35 years. Never have received any mailings or telephone calls and the account was opened at the agency on XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It is with great fraustration that I continue to try save this home. I owned this home with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. 
I am on the deed. My name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX NY XXXX. 
The subject property is XXXX XXXX XXXX, XXXX, New Jersey ,XXXX. 
This property was occupied by Mr XXXX and shortly after with out my knowledge was rented [ and I found out that is in foreclosure. I have called SPS various time asking they give me the opportunity to save the home and the have not wanted to speak with me. 
They have rejected my phone calls and continue to proceed with foreclosure. MY name is on the deed. There are no tenants in this property. I am pleading for SPS to allow me to do a work out plan to save the property. I was not aware of this situation. 

Please advice of what can I do. I have done a lot of credit cleaning and now this is going to pull me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted an online application to Quicken Loans Rocket Mortgage and the application indicated they were going to run a soft credit pull however when checking my credit report a few weeks later it showed as a hard credit pull. When I called the company and spoke with the Client Services department they indicated theres nothing they can do and that they have a disclaimer about a hard credit pull during the application process. I tried to recreate the application process to take a screenshot that the online portal clearly indicated soft pull however their website completely changed and now theres a disclaimer about credit being affected however it still does not clearly indicate it is going to be a hard pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My husband and I filed bankruptcy 6 months ago, and everything that was on our credit report was included and discharged. However, on my credit report companies are still reporting that the accounts are either still opened or I 'm behind in my payments. I thought once a person filed bankruptcy the status is supposed to changed to " Included in bankruptcy ''. I have disputed this information being reported to the creditors and Equifax. In addition, I sent them supporting documents and I even called, but I am getting hung up and even after the 30 day wait for the dispute the items on my report are staying the same. I believe what Equifax and the creditors are violating the Fair Reporting Act and have totally disregarded the bankruptcy paperwork which they can retrieve themselves because his is public information. Also, in the public section of my credit report they have n't even added that I filed bankruptcy. I am really sick of this problem, it has been going on for about 5-6 months now after the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had previously had an item from XXXX  a payday loan provider removed from my XXXX  XXXX  and XXXX  credit reports for identity theft. I received an alert today that a debt collector, NCA had once again placed this item on credit report. NCA has never contacted me or sent me a notice of validation and an opportunity to dispute this debt. It is a violation of The Fair Credit Reporting Act and The Fair Debt Collection Practices Act to engage in this misconduct and place the item again on my credit report after it was removed fir identity theft reasons. Please find my notice of dispute, identity theft report updated to reflect NCA and additional documentation. It is also worth noting the CFPB sued NCA recently for this type of misconduct. I have attached the lawsuit to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is 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 reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4800.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2400.00}, XXXX  XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$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 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/2018, I disputed an account reported by XXXX XXXX for XXXX XXXX XXXX, I was informed in XX/XX/2018 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report, In XX/XX/2018, In accordance with the requirements of the FCRA, section 611 ( a ) ( 5 ) ( b ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days, Requirements relating to the reinsertion of previous deleted material. I am suppose to be notified within 5 business days. If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the re-insertion in writing no later than 5 business days after the reinsertion., or if authorized by the consumer, for that purpose by any other means available to the agency., I have received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that Transunion Credit agency delete this item from my credit report in order to avoid legal action. I have copied this complaint to the States Attorney 's office, XXXX XXXX XXXX, and

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 2018-07-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SPS purchased our 2nd mortgage loan last XX/XX/XXXX. At first they led me to believe I was late so I filed a complaint w/ cfpb. Things got resolved but I felt I was getting played based on SPS 's reputation. ( maybe we have someone not paying attention? ) Last XX/XX/XXXX they forced placed a flood policy on me. I ignored it knowing their reputation and was not paying for dual coverage.I have not paid the premium. I finally got tired of them asking for the premium and sent them my XXXX page. Not good enough. Apparently since this was new construction the legal address does not match the physical address. No big deal they say " It is required by FEMA. After all these years no creditor has challenged this. So .... The insurance company says the agent has to change it and the agent told me to call the insurance company. Again no big deal as we been carrying flood insurance since we purchased the house. Again, I feel like is SPS looks for borrowers to extort money from ; somebody not paying attention. They have gotten better ; the call center employees sound more convincing and professional : but when asked ( several people ) to review my policy ( XX/XX/XXXX page ) ; almost all ( insurance experts ) had no access to it ; ( a couple did ) when they all should. Now I'm asking for a deferment and I'm feeling I will get the run around. I've been down this path before.! A group of investors buying a distressed book of business handled by young people in a call center in XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: GreenSky, LLC
State: TX
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:
Greensky Made A XXXX Dollar Loan In Me And My Husbands Name With Out Ever Speaking To Us With Out Us Signing For A Loan With Out Us Knowing Any Thing About This Loan .Now They Have Slammed Our Good Credit Rating And They Are Calling Us All The Time For Us To Pay For A Loan We Never Asked For Or Never Agreed To! This Is Criminal To Loan Money In Our Name Which We Never Filled Out Any Loan Documents Never Asked For And Never Even Spoke To Us

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2018-09-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Well for the last few months I have been sending XXXX XXXX, XXXX, and Experian 609 credit dispute letters for the following accounts. XXXX XXXX XXXX account number XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX. Each of the credit bureaus have failed to send me any contract with my signature as it states under the 609 section. This is hurting my ability to get credit and it is unlawful and not fair. Its has been two months and they are supposed to provide proper documentation or the unverified accounts they where supposedly to be deleted and so far have not. I thought the days at the most.

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 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Police report made regarding XXXX XXXX XXXX also in correspondance with XXXX XXXX. Fraudulent reporting. Needs to be removed from all 3 credit bureaus.

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 2018-07-17
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:
Police report made regarding XXXX XXXX XXXX also in correspondance with XXXX XXXX. Fraudulent reporting. Needs to be removed from all 3 credit bureaus.

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 2018-09-11
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/18 I was subject to an adverse action decision by XXXX XXXXXXXX XXXX based in part on information received from Experian. I then applied online with Experian for a copy of my credit report, but was denied. I then wrote to Experian requesting a copy of my credit report. As requested, I included a copy of my adverse action letter, driver license, and most recent bank statement. On XX/XX/18 Experian wrote to me again denying my request for copy of my credit report. I have maintained the same address for 20 years. However, every year for the past 20 years, Experian has denied me access to my free annual credit report without providing additional documentation of my identity and address. Experian 's repeated practice of denying me access to my credit report is unlawful. Experian should be sanctioned for this illegal practice and be required to cease this practice of failing to comply with consumers ' legal rights.

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 2017-01-22
Company: Focus Holding Company
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I accepted services for a fumigation from XXXX on XX/XX/2016 with an ending invoice of {$2300.00}. 

After the fumigation, I was not satisfied with the ending results so I called and spoke to the manager, XXXX XXXX XXXX ( branch sales manager at the XXXX XXXX office XXXX ; email is : XXXXXXXXXXXX ) After our conversation he agreed to adjust my bill by {$460.00} due to damage to the interior and exterior of my home and unsatisfactory service ; reducing my payment to {$1800.00}. I have the original letter stating the adjustment in my possession. The letter is on the company 's letterhead and has the signature of the branch manager. 

I paid the {$1800.00} in full by XX/XX/2016. 

To date, I have been receiving collection calls for the remainder of the balance of {$460.00} which should have been waived according to the letter. There has not been any communication between the XXXX office and the collection agency. I have been put in the middle between both parties saying that each of them will speak to the other and resolve the issue, yet I continue to receive calls for the " delinquent '' bill and no one ever seems to know what I am talking about. 

At this point I would like to get this resolved and make sure that I do not have any negative reporting to my credit report due to this oversight. An employee from the XXXX call center named XXXX XXXX said I do not have to worry about the credit report aspect but is it going on 90 days " past due '' and generally all 90 past due accounts are reported and since the collection agency has no proof of the adjustment it may be a chance I have been reported. 

I have spoke to multiple people from the collection agency and XXXX and have not received any calls back from either institutons. I have kept detailed notes on times, dates and names regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Experian XXXX/XXXX/XXXX asking for the removal of inquiries that are on my report that I didn't authorize. 
I was told that by law unless their were a result of identity theft I couldn't have them remove. I was under the impression that credit reporting agencies or responsible for the data that they report and to its accuracy? 
The following inquiries I did not authorize : XXXX  XX/XX/XXXX received a solicitation letter from, probably the 5th one over the years but never used their service. 
XXXX XX/XX/XXXX and XX/XX/XXXX never heard of them but I was solicited about their products through an email but asked to be removed from their list and was then solicited through the mail with preapproved offers which I declined and never used their products. 
XXXX  XX/XX/XXXX I have no ideal who are wat they do but its on my report. I sent a registered letter which was returned and when I discussed forwarding it to Experian they told me not to bother. 
XXXX XXXX XXXX  XX/XX/XXXX solicited me for a credit card which they said I was preapproved for and I asked had they ran my credit and they said it was a soft pull and after I discovered it was a hard pull they closed the credit card. I never authorized a hard pull of my credit.

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