BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed XXXX XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : {XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : XXXX XXXX DPT EDXXXX XXXX Balance Owed : 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 2022-10-19
Company: EQUIFAX, INC.
State: TN
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Convergent Resources, Inc.
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX was a middle man for {$260.00} I accidentally took from my own account to deposit in my account. XXXX was used as XXXX or XXXX. 
I wanted to borrow {$260.00} credit from XXXX to deposit in my XXXX checking account. 
Unfortunately I did not realize I had it set up for XXXX to pull from my checking account and then deposit the money into my account. 
I realized it I had made the mistake within seconds. I called XXXX to have them cancel that transaction before they process. My call was unsuccessful, the customer service agent stated he could not cancel the transaction due to the fact that it was done with my bank and the transaction was in process and I would need to reach out to my bank. I did so, my bank stated they would give me a credit while they investigated the transaction. I was informed if they found the transaction was a correct transaction they would pay XXXX and charge me, the investigation would take 10 days. 
I did not get charged for it. My XXXX was negative {$260.00} from the canceled transaction. I called to ask XXXX how this was a charge. They would tell me a supervisor was going to speak to me and they would leave me on hold for over 45 minutes and the line would cut off. This repeated itself three times. 
My mother had a XXXX account and has been paid off for a little over {$4000.00}. The collection agency is under my mothers name after we paid off XXXX upfront. 
The {$260.00} was an erroneous charge and needs to be rescinded. 
If it was ever a valid charge it shouldve been under my name, not my mothers. 
Ive called the collectors and asked for verification of the original transaction and to validate the debt. The collector stated they would send me a copy. I was sent a letter that read XXXX has validated the debt. That was not verification. 
I wrote to the claims department via email and have called them as well, I was sent a letter stating attached is the verification. 
It is not verification. I am attaching the letters they sent me. Please help me. This is not mine or my mothers debt and now it is affecting her 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
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX 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 2023-06-30
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, Subject : New Formal Complaint against Rocket Mortgages I am writing to file a formal complaint against Rocket Mortgages, the lender who has been handling my loan application for the purchase of a house in XXXX, Texas. 

I believe that Rocket Mortgages has acted in bad faith, breached the contract, and violated consumer protection laws, specifically the Truth in Lending Act, the Fair Housing Act, and the Equal Credit Opportunity Act. I applied for a loan of {$110000.00} from Rocket Mortgages on XX/XX/2023, and received a loan letter from them on XX/XX/2023. The letter stated that I was approved for the loan amount and that I had to make a down payment of approximately {$30000.00}. I accepted the offer and signed the loan letter. 

I submitted all required documents for my loan application in a timely manner, including income statements, bank statements, credit report, tax returns, and purchase contract. I also paid {$500.00} for the underwriting process. 

On XX/XX/2023, RockeXXXX Mortgages contacted me, informing me that they had changed the loan amount to {$100000.00}, citing high property taxes. They also requested that I increase the down payment by {$10000.00}. When I inquired about the reason for the change in the terms and conditions of the loan without my consent, they did not provide a clear explanation. 

Reluctantly, I agreed to their new offer, as I did not want to lose the house or the earnest money and the compensation paid to the seller. I managed to borrow {$10000.00} from my sister and sent them the revised gift letter and signed the new loan letter. 

I anticipated that Rocket Mortgages would finalize my loan application and close the deal by XX/XX/2023, as per the purchase contract. However, on XX/XX/2023, Rocket Mortgages contacted me again, demanding an additional {$12000.00} from me due to a purported miscalculation of taxes. They also asked me to resubmit some of the documents I had already provided in a different format. 

In response, I sent a letter expressing my frustration and refusal to pay any more money or resubmit any documents. Their actions have caused me significant stress and financial hardship, and I believe they have violated consumer protection laws. 

Rocket Mortgages ' behavior has been discriminatory and predatory, putting my home purchase at risk and jeopardizing my earnest money and potential legal repercussions with the seller. 

I request that you investigate this matter and take appropriate action against Rocket Mortgages. I also request that you honor the original loan amount of {$110000.00} and waive any additional fees or charges. I expect to receive a written response from you within three days of receiving this complaint. 

Best regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 non-monetary relief
Consumer complaint received 2019-12-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX sent my pay off in late 35 days to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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:
I disputed two inquiries on my Experian credit report. I sent the dispute by certified mail. Please see attached copies of date dispute was sent. I also sent certified letter directly to XXXX XXXX and they did not respond. Please see attached copy of the date that dispute was sent. Experian did not respond to my dispute within the 30 days timeframe per the FCRA guidelines. Experian must delete both inquiries

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 2022-01-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2023-12-04
Company: Approve Holdings, Inc
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2023 I responded ( via phone ) to an offer received by mail from Auto Approve to refinance my car loan. The representative I spoke with on the phone collected personal/financial information from me to create an account. Before providing my social security number, I asked if there was going to be a hard inquiry on my credit report and was told not at this time. We kept going through the process and then came to a point where a hard inquiry was needed in order to proceed. I declined to proceed, and when asked why, I stated that I did not want a hard inquiry added to my credit report at this time. I thanked the representative for her time and the call ended. 

Minutes after the call ended, I received notifications from XXXX and XXXX XXXX alerting me to the fact that a hard inquiry from Auto Approve hit my credit report. I called Auto Approve back immediately and the new representative looking at my account read the notes the last representative made, most notably " client declines to proceed with hard credit inquiry. '' This representative said that the last representative definitely did not follow procedure and that an inquiry should never have been made. I requested that the inquiry be removed from my credit report but the representative on the phone said they weren't able to but a manger would be able to assist. I was also told that a manager could not be conferenced in to the line and that I could not be transferred to a manager but one would call me back if I provided my call back information. I provided that information but did not hear back that day. I called back the next day and explained what occurred again and received another apology/promise that a manager would call me back, but did not receive a call. I then called the next three days and was told the same thing. A manager never called me back. 

I would like this remedied by the hard inquiry being removed from my credit report. This inquiry resulted in a credit downgrade from " XXXX '' to " XXXX, '' which significantly affected an event in my life. Attached below is the initial ( and only ) written correspondence from Auto Approve.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 2022-10-19
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score 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 non-monetary relief
Consumer complaint received 2023-04-16
Company: The Receivable Management Services LLC
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNT ON MY CREDIT REPORTING Account- RECEIVABLE MANAGEMENT Account number-XXXX Date opened-XXXX XXXX XXXX Account type-Collection Status-Collection account. {$1100.00} past due as of XXXX XXXX. 
Status updatedXXXX XXXXXXXX Contact info-Name-RECEIVABLE MANAGEMENT Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Phone number- XXXX XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

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 2022-01-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX I received a bill from Carrington Mortgage. I called to tell them was a mistake. My loan was through XXXX XXXX since they bought it from XXXX XXXX in previous complaint. I never agreed to this or even talked to anyone. After further checking this was some sort of equity loan I never received. By this time XXXX was foreclosing during pandemic. I checked with Sheriffs dept bf sheriff sale and mortgage holder was XXXX and they verified the last appraisal was in XXXX. I bought this home in XXXX. Paid for appraisal but never received it. I Called Carrington Mortgage and advised they were NOT mortgage holder listed. There response was hanging up and blocking my number. Also emailed with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: ENCORE CAPITAL GROUP INC.
State: AL
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:
This company is repeatedly marking this account as collections on my credit report. 3 times already in the month of XXXX. Dates of XX/XX/22, XX/XX/22 and today XX/XX/22. Isnt this a violation of reporting actions. Id like them to stop attacking my credit.

Company response to consumer: Closed with explanation