BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: MO
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 sent my letter off on XXXX XXXX,2022 I told Equifax to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. 

According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681everything has to be 100 % Accurate. 

Accounts-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XX/XX/2022, I went to a XXXX bank located in XXXX XXXX to open a XXXX Bank Account. I submitted all of my business information, I was also required to provide my personal information. After the Rep submitted my application I was informed that XXXX denied my request to open the XXXX Bank Account based on personal information on my Equifax XXXX report. That did not make any sense to me. 

I am not aware nor informed if it's a common business practice to run a customer 's personal consumer report for opening and establishing a business bank account. During the process at no point was it disclosed to me that my personal consumer report would be pulled ( soft/hard ) to determine if I qualified for a business bank account. 

I strongly feel that my consumer rights have been violated by misleading and deceptive actions taken by XXXX. I felt embarrassed and humiliated with the outcome. The consumer report pull was impermissible because I was provided any disclosure during the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Innovis
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 belongs to someone else

Complaint:
My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan, which was with XXXX transferred to XXXX XXXX. 
I was not made aware of this information. XXXX claims to have sent a notice in the mail, although I never received it. This event occurred on XXXX. 

I sent my regular loan payment via bank bill pay in both XXXX and XXXX and did not realize until mid XXXX that both payments were returned to the bank. 

When I called XXXX, after I insisted they do so they emailed me the letter of transfer I never received. 

I then learned the loan servicer was XXXX. I immediately called XXXX- and after an initial wait time of 30 minutes, I got a person on the phone who could not provide me with a new account number. 

I tried using the XXXX XXXX to set up an online account so I could review my statement and information with the new company. 

XXXX  could not provide me with an account number. 
I emailed the customer service 2 times in the past 24 hours and there was no response.

I called again and was placed on the call back list, after 30 minutes the automated system called me back and I finally got in touch with a person.

When I gave her my info, I was placed on hold again - for over 45 minutes! I actually saved the screen shot of the call.. No one ever picked up to help me again. 

So here I sit, almost 60 days since my last mortgage payment was made, and I don't have a new account number from XXXX  because I can not get an answer from them. I'm sure they will get in touch with me quickly when I'm " late '' on payments though and at that point I will refuse to pay any late payments to them. What a joke of a mortgage company. Days of chasing them down and no help, leaving me on hold for nearly an hour twice and not responding to emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is against LVNV Funding for continuing to report a negative account in the amount of {$910.00}. This account is causing serious damage to my credit score. Please note that I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I am asking for this account to be removed from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: ID Analytics, 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 belongs to someone else

Complaint:
My Name is XXXX XXXX and I'd like to report that these are accounts in my credit that do not belong to me, I already made an id theft report to sopport my case, please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have over 24 inquiries on my credit report that were not authorized by me. Inquiries and dates listed here after that need to be removed. 
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 XXXXXXXX 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 2017-10-16
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Loans approved my loan on XXXX XXXX, 2017 and the process has put me and my family in a catastrophic position. The process went on in excess of 120 days, during which time there were request for the same information ; 3 requests for Transcript for Tax Return, 3 Re-disclosure packages,4 requests for information on the same debt. My loan balance was {$77000.00} and the property was appraised at {$160000.00} by Quicken. Although I was advised the average period to close a loan was 25-30 days my wife and I continued to be asked to provide payoff information on 4 debts included in the refinance. After 90 days of the loan process, I was garnished for one debt to be included in the refinance leaving me unable to make the {$1900.00} mortgage payment which caused my credit score to fall below XXXX 's acceptance. Quicken refunded the {$500.00} fee they charged, however the promises of a reduced mortgage of {$900.00} per month and {$15000.00} cash back have cost me over {$29000.00} in losses in the first year. Their inefficiency has me behind on my mortgage, garnishment costing me {$800.00} per month and a total lack of faith in any organization Quicken is involved with

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Experian Information Solutions Inc.
State: GA
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 have looked at my credit score and XXXX and XXXX have hard inquiries on my credit file from XXXX 2017 until XXXX 2017 that I do not recognize and I have called to get them off and they have given me the run around. And I am upset and tired of dealing with the issues they are causing for me. I want every hard/soft inquiry off my credit report. Its there fault and they need to fix it ASAP. Thanks for your help

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 2019-12-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been using my chase credit card while temporarily working in XXXX XXXX Fl area. While lodging at a studio room at a hotel, I have been making purchases up to approximately {$100.00} at XXXX XXXX. On Sunday XX/XX/2019, I made a {$29.00} purchase. My chase statement shows the {$29.00} purchase and two additional purchase for {$590.00} and {$10.00}. On Monday XX/XX/XXXX, I made a {$32.00} purchase. My chase statement shows the {$32.00} purchase and two additional purchase for {$190.00} and {$5.00}. Reviewing my on-line Chase statement XXXX   XX/XX/2019, I noticed these additional charges. I did not make {$800.00} worth of purchases at XXXX. I contacted chase and disputed the two largest transactions {$190.00} and {$590.00}. The Chase card was cancelled. They removed the charges for XXXX months while they investigated. They sent me a new card which I never activated. I noticed in XX/XX/2019 the two charges were put back on my account. I called chase to dispute and they recommended I contact the police. I contacted XXXX XXXX XXXX Police department, ( see attached police reports ). I never lost the credit card. The police contacted XXXX and reviewed the transactions on my chase card. They see the legitimate purchases in their records. The two disputed charges do not exist in the XXXX data base ( see second police report ). I am not surprised since I never made these purchases. 
I have disputed these charges four times with Chase. They keep stating the charges exists even though XXXX has no record of these purchases ( see second police report ). I have paid the approx. {$800.00} so I dont rack up interest and penalties and ruin my credit. I ask Chase what they verified when there is no record of the purchases at XXXX. They state since the charges are point of contact and numbered sequentially, they must be legit. My wife XXXX is a witness for the two legit charges of {$29.00} and {$32.00}. The other charges are not legit ( Chase computer error? ). 
I am looking for assistance in getting Chase to correct their billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The Credit Bureau have several inaccuracies on my Credit report, which per the laws set in place from the FCRA, they are in clear violation. The Fair Credit Reporting Act has laws to protect me and other consumers, but the credit bureau willing know this and still have these error reported which is very shameless they are doing this.

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 2019-12-28
Company: EQUIFAX, 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:
I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and Equifax respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and Equifax the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Experian Information Solutions 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 have been officially verified as a victim of the XXXX  security breach and since last summer of 2018, I have faxed, mailed, and called XXXX  about fraudulent credit reporting on the file. Instead of following the FCRA 605B law they refuse to correct their mistakes they have made. I have also been victimized by a roommate who has since moved out. That roommate was making payments during his duration of time so I would not be alarmed. I have filed a Police Report with XXXX XXXX, CA PD and sent more than 5 FTC reports. Experian and XXXX  didnt cost millions of Americans money through a data breach and they block the fraudulent credit items. Why is XXXX  making it hard for a victim to get fraudulent credit accounts blocked?

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 2017-08-23
Company: Second Round Limited Partnership, Austin, TX Branch
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you for over a year, and have failed to do so. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Which they both return notices the debt is VERIFIED, not validated. I have asked to submit proof since XX/XX/XXXX, and the debt collection agency has not. Proof I needed The agreement with your client that grants ( XXXX XXXX XXXX ) the authority to collect this alleged debt. Any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Copies of all statements while this account was open. FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. The notices i revied dated XX/XX/XXXX, was a notice of my dispute of inaccuracy of the debt, but if fact it was not, was for validation of the debt. The company has never provided this information, has had over two years to provide this information, well over the 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on Trans Union and XXXX respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from Trans Union and XXXX the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
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 2019-11-20
Company: Capital Markets Cooporative, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in XXXX with XXXX XXXX. In a letter dated XX/XX/2019 I was notified that my loan servicing will be transferred to XXXX XXXX, XXXX. The paperwork was not clear and in reality only the primary mortgage had been sold and XXXX XXXX  retained the 2nd mortgage. 
XXXX XXXX  Loan # XXXX to XXXX XXXX , XXXX Loan # XXXX XXXX XXXX   Loan # XXXX, in reality stayed with XXXX XXXX. 
Without this knowledge, I made both payments to CMC/XXXX  through my bank bill pay on XX/XX/XXXX.  I made 2 separate payments to CMC, but I used the appropriate XXXX XXXX   account number on each. 
I only knew there was a problem when XXXX called to collect on the past due payment. At that time my account had not been " on-boarded '' by CMC so they could not help me. Account was finally set up 2-3 weeks later. After multiple hours of research, CMC posted the erroneous payment of {$1000.00} to additional principle. I applied for a refund and I received a message that the check was sent to my address of record on XX/XX/XXXX but I have not received. Many call attempts but after being on hold, they hang up and state they are in an all employee meeting and disconnect the call on multiple occasions. At least 6 times in last 3 days. Maybe 12 times before that. Can't be in all employee meetings that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the fair credit reporting act XXXX  account # 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the fair credit reporting act XXXX  account # 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose

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 2022-04-11
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX Account # XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX The Above-mentioned Accounts has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation