BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
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: Account information incorrect

Complaint:
I pulled my credit report on XX/XX/19, upon review I was informed that there is an account with XXXX XXXX XXXX under account # XXXX that is being reported incorrectly on all three credit bureau files. I sent XXXX XXXX XXXX a request to produce documents proving that this was in fact my account. An individual by the name of XXXX XXXX signed for the certified letter on XX/XX/19. I still have received no response from XXXX XXXX XXXX as of today. I followed up by sending a request to all three credit bureaus on XX/XX/19 to have this item removed, as it is being falsely reported in violation of Section 609 of the FCRA. They refuse to remove it, even after being informed that it is being reported inaccurately and falsely. I will be attaching copies of all of my correspondence with both XXXX XXXX XXXX and the 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 2021-04-22
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: Account information incorrect

Complaint:
Several credit cards have me marked as late. All lates were during the current Covid 19 health crisis and should not have been shown as late on my reports. In fact, the lates should actually never have been marked as such. The 3 cards reporting as late were XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX  and XXXX XXXX. Again, these lates should never be reported on my credit reports and now my credit score has been negatively impacted.

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 2021-04-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I took out a second mortgage with XXXX XXXX in XXXX and consistently paid. In XXXX it was transferred to HSBC. In XXXX it was again transferred to XXXX but I did not receive any paperwork as I was XXXX overseas to XXXX. HSBC told me they have a record of return to sender. XXXX then became XXXX and XXXX sold to XXXX XXXX XXXX. HSBC told me to contact XXXX XXXX which I did. XXXX XXXX claims they have no record of this loan. I am trying to sell the house but the title report is still showing an old XXXX lien from HSBC who refuses to release because they said it was sold. No company is claiming ownership of the loan and my VA certificate is tied up as HSBC will not release even though they are the last assignment. I am desperately seeking help as a veteran who has been penalized for being XXXX overseas unable to handle this matter. I as for assistance trying to get HSBC to remove this old lien they do not claim ownership of. In my internet research I understand they have done this to many people and it is an unfair predatory business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you 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 accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX Balance Owed : {$190.00} XXXX  XXXX Balance Owed : {$3600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2018-11-06
Company: EQUIFAX, INC.
State: WA
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:
While on the XXXX program up to and during the 1st quarter of XX/XX/2015, I was living at a XXXX XXXX XXXX complex. At some point either XXXX XXXX XXXX complex or the collection agency, submitted derogatory credit information to the credit bureaus. The submitted information was incorrect or missing totally. 

The XXXX program subsidized my rent where I paid my portion on time and I was never late. I do remember that there were admitted clerical errors verbally admitted by the complex. On several occasions I tried to correct the derogatory info, but I have not received any information in return. 

This ordeal leaves me in a dilemma of what actions to procure to resolve these issues concerning my credit. 

Please resolve my issues as soon as possible. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is trying to collect an unknown debt, I requested verification and validation of this debt including a signed contract of me agreeing to pay this debt. not only did this company not provide it, they are reporting this to my credit which is violating several laws. 
It is also reporting twice on mt trans union 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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items 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 2021-10-15
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: Their investigation did not fix an error on your report

Complaint:
Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$690.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$790.00} This is a formal complaint against all three credit bureaus, XXXX, XXXX, and Equifax. I have tried to resolve this by sending a dispute letter to the three bureaus and directly to the third-party collector and creditors but until now I couldn't get a proper resolution to this problem. I was asking for validation of these two accounts to make sure they are both reporting the account 100 % accurately in my credit report because I do see that they are reporting these two accounts inconsistently in all three bureaus. As a result, my score has been affected negatively. Months have passed and I still see the inaccurate reporting of this account. The date of last activity and the date open for instance.. They are are ll reporting on a separate which is very confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There were several attempts to contact the credit collection company via telephone. The telephone number listed under the credit company 's name was not in service which raised my concerns that it may be of a fraudulent nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested the PMI insurance on my loan to be removed. I followed my lender Quicken loans process, which involved filing a request with a personal check. I was told they would assign an appraiser who would contact me and set up a time to appraise the property. 

I was contacted by the first appraiser and we spoke on the phone. The property is rented and managed by a local property management company. I gave him all the information, it is required by law, that the renter be notified before access to the property is available.The dates i spoke to the first appraiser were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019. The appraiser, the management company, and myself were all working together, when the company that employed the appraiser cancelled the appraisal! I was notified by Quicken loans that this was done because the appraiser was unable to make contact with me, which was a lie. 

A second appraiser was assigned who i spoke with on XX/XX/2019. We had a conversation and i texted her the information on the same property management company with every detail to facilitate the appraisal. The rep for the management company called her on Monday XX/XX/2019, sent her an email, and i texted her. On the same day i got another email from Quicken loans stating that the appraiser was unable to contact me, and unless the appraiser heard from me in a week, they would ( again ) cancel the appraisal to remove my PMI insurance. I spoke with Quicken loans, and the appraiser. Both appraisers said they had no idea why i was being told they had no contact from me. On XX/XX/XXXX, two days after the email saying i had a week to make contact with the appraiser, which i had done, i was notified the lender had again canceled the appraisal. This was done after repeated conversations and a firm upcoming time to inspect the property in less than a week! 

Quicken loans said they had no idea, and would again assign me a appraiser, and would not provide me the name of their third party contact who apparently had ordered the appraisals to be canceled before they could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX was paid on time over phone ( see letter where they gave me a payment confirmation No as receipt of payment with date time and name of the officer mentioned in the letter ) and two checks were sent to them in which were left uncashed. 
They put a 30 days late in XX/XX/2019 on my personal redit report with all three credit reporting agencies EQUIFAX, XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of aggrevated identity theft. I have not checked my credit report in years and was astonished to find XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never ever authorized or entered a consumer credit transaction with neither XXXX XXXX nor XXXX  XXXX XXXX XXXX . 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an FHA, federal government mortgage, which Carrington is the administrator on. Under the CARES ACT Carrington is delaying my mortgage for three months. At the end of three months Carrington states I will need to re apply. Due to my client base not paying me now I am having trouble paying the mortgage. With a government backed mortgage I am requesting that the missed payments, up to 12, be applied to the back of the loan extending the loan for an additional 12 months. This would include all escrow amounts including pmi, insurance, and property taxes. 
Carrington has refused to follow the Cares Act for government backed mortgages. I received an invoice today listing last months payment as over due and that I need to pay two mortgage payments by XX/XX/XXXX. This is even with their letter stating my mortgage was under the forbearance provisions of the CARES ACT. 
Only with a conventional loan, not a government backed mortgage can Carrington force me to pay a lump sum at the end of the forbearance period. Carrington is in violation of the CARES ACT for government backed mortgages. 
Please assist. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$330.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$330.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 explanation
Consumer complaint received 2019-05-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was just getting my credit report and I seen that I had some address that are not mine. I never lived at these Places not sure how that got on my credit file. My name is XXXX XXXX DOB XXXX SSN XXXX My address is XXXX XXXX XXXX XXXX, OHIO XXXX. Please delete any other name and or addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX, OH 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 2019-10-09
Company: Kriya Capital, LLC
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
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:
Subject : Transunion I bought XXXX XXXX from a dealer 2016 I put {$1000.00} down paynent Obe month and half later they took tge car from my drive way.

I was workibg and able to make my payment.

No notice, no warning & took the with all my belonging.

I complained with the other 2 credit repirting companies & is corrected. Trabsunion refused to do so.

I need your help 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 2019-08-31
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2015 I closed on a loan and Loancare was the servicer. They have taken from me for property taxes XXXX per year when they were only XXXX they also falsely reported my mortgage late and destroyed my credit report. I have written and request my money be returned. They pretend that they sent me a escrow check never have. Nor have they tried to fix the escrow overage they took by returning to me. Now I have received a hardest hit grant and they are trying to take a extra XXXX dollars pretending its a escrow shortage when they already owe me the XXXX overage they took from me making my payments much higher. I am asking that they not touch my hardest hit fund only for payment and return my escrow money that was taken for taxes that were inflated yet the money was not return to me. Please help with the matter. I have wrote in the past.

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 2021-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a regular weekly check senr from a checking account to another savings institutions on Friday of each week. This has been ongoing for more than five years. On XXXX the amount was transferred two days earlier than the Friday of that week XXXX. On XXXX though there was sufficient funds in the account the check was labelled with insufficient funds and iwas charged {$35.00} although there was more than enough $ to cover Bank of Americas mistake on posting the check two days earlier than XXXX. On XXXX i changed the account from which the funds would be withdrawn on XXXX. The $ $ was withdrawn from the original account and not the account which i had designated on XXXX The online banking page still indicates there was a check sent on XXXX although clearly it was not.

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