BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
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: 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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : 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 2019-01-07
Company: Guild Mortgage Company LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Guild mortgage has attempted 3 times to make unauthorized debits against my checking account. I have not set up auto pay with this institution nor did I authorize a one time electronic debit authorization. The first unauthorized attempt was made on Monday XX/XX/XXXX. The second was on Thursday XX/XX/XXXX. On the XX/XX/XXXX I contacted my financial institution to verify that Guild mortgage was the correct company attempting to access my account. I also contacted Guild as was told no such attempt was made. Guilds customer service line further informed me to e-mail the customer service department to open a order to rectify the matter. I sent the e-mail on XX/XX/XXXX to their customer service department. I received the following reply the same day " Thank you for your recent inquiry to Guild Mortgage Customer Service Department. We appreciate the opportunity to assist you. We will review your inquiry and provide a response within three ( 3 ) business days.

Guild Mortgage Company Customer Service Department **** PLEASE DO NOT RESPOND TO THIS AUTOMATED RESPONSE**** Customer Service N/A Customer Service O : XXXX Company NMLS # XXXX Equal Housing Lender Guild Mortgage Company '' Today XX/XX/XXXX a third attempt was made to debit my checking account. I contacted guild at XXXX and was told that my e-mail was ignored because i did not send a copy of my checking account showing the charges. I feel that sending my account information to a unsecured nonspecific general e-mail account is inviting further unauthorized transaction or outright identity theft, and will not be doing so regardless of their request. So I asked to speak to a supervisor and informed them that I would lodge a formal compliant with the FTC, FDIC & CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Dear CFPB BUREAU ; I XXXX XXXX XXXX have contacted all three credit bureaus XXXX, Experian & XXXX  concerning hard and soft enquiries being injurious on to my credit files. They replied as say that we have to keep of them on the files for 3 years to 7 years. I think that its punitive keeping of them enquiries on for too long. plus the hard enquiries that has offered no credit to me, and still sits around it is not wise to keep. if I authorized for credit pull within 90 days of first pull, than this enquiries should not cause my vintage score to run down lower. 

Please read the literature on this issues and notify of all my files holders/ credit bureaus. I have notified of them already.

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 2021-12-07
Company: Experian Information Solutions Inc.
State: MS
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:
A bank by the name of XXXX XXXX XXXX is reporting a debt on my XXXX, XXXX, and Experian Credit reports. The amount of the debt reports to be for {$180.00} and was opened on XX/XX/2018. 

I have filed several disputes with this debt collector as this was an account that I have no knowledge of nor did I authorize it being open. It is the result of some form of ID Theft. however, the company always comeback with the standard response as, " Verified as Accurate ''. However, no further details are provided. No copies of a DL or any type of documents to suppose the opening of the account. 

As a result of this inaccurate and incorrect reporting, my security clearances with my present employer are in direct jeopardy and I could very well loose my job. To that end, I am requesting a thorough review and these reporting 's be removed from my XXXX, XXXX, and Experian credit reports immediately and sent back to the original creditor for further review and investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have an old account ( XXXX XXXX XXXX ), from 2012, that is still on my credit report. I disputed it with XXXX, and it wasn't removed. All XXXX keeps doing is saying that the updated the information. I disputed the information with ( XXXX XXXX XXXX ) directly and it was removed from XXXX. on my credit age, it shows 1year. Why is XXXX still showing that old account. This account should not be on my credit report. 

File number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-04-30
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Called for refinance information on XX/XX/22 and was told Rocket Mortgage did not have option for me. Now they call 5 to 10 times a day and I have asked to be placed on do not call list and blocked their calls and they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Professional Claims Bureau LLC stating that I owe {$75.00} in copay for a medical appointment on XX/XX/2021. I have a receipt from that appointment with a signature from the office front desk staff that the copay of {$75.00} was paid in cash. Please see attached document for both the letter and the receipt. 
Therefore, this is not a debt I owe and this companys contacting me to collect a bill I have already paid for is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
State: LA
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:
There is an account open at XXXX XXXX in XXXX, SC showing up on my credit report for around {$3500.00} that I did not open. After speaking with several people at XXXX corporate office, they have denied responsibility, saying that it was reported correctly on their end. The account belongs to a woman with the same name and similar social security number to my own. This woman is from the same town as me, with a similar birthday, name and ssn, so this has been a recurring problem for us for most of our adult lives. We should be closing on our home in 7 days, however this and other debts that have been incorrectly reported is causing a delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: MONEY SOURCE, INC., THE
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted The Money Source repeatedly about the homeowner insurance policy I pay to an outside company for my home. They continue to deduct money from my payment to them to pay insurance. I have contacted them no less than ten times to address this problem ( dates, times and personnel names can be provided ). I also pay my own flood insurance and they deduct for that. There is now a $ XXXXrefund check in limbo somewhere as the mortgage company mailed it to a wrong address when they should not have been involved in the first place. I have asked for the contact info for legal and they disconnect the call. This is beyond absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: OneMain Finance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company supplied fraudulent information and has NEVER supplied a promissory note with my signature on it- only a fake contract that says e signature which Ive never seen before in my life that has my personal information on it that I did NOT provide to them- is NOT a validation of debt. I will complain again until this item is removed from my credit report. 

I have asked for a copy of a SIGNED contract- they have never supplied this information but continue to try to say I owe a debt for something I never signed and are adding all kinds of fees and crazy balance reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I authorized a single payment to the credit card institution on XX/XX/2021 and the credit card institution drafted my account twice without authorization. When I called the representative said that the company was aware of the error that affected multiple customers but offered no resolution at the time of the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair reporting act name XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX  XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX  XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXXXXXX Account number XXXX, have violated my rights XXXX 

15 USC 1681 Section 602 States that I have the right to privacy.

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

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

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: DISCOVER BANK
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:
According to the CARES ACT there should be NO late payments during COVID. Remove ALL of these late payments IMMEDIATELY, please. 
Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Prosper Marketplace, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, After i had fallen behind on my load payments due to a hardship suffered in my family. I tried make arrangements with Prosper Marketplace concerning my account but they were unable to help me.on XX/XX/XXXX, I sent Prosper Marketplace a letter that the information that they listed on my account was disputed. Nothing was received back from them. 
I enlisted XXXX XXXX XXXX to help me settle my account. They were able to negotiate a settlement for my account and after 12 successful payments to Prosper Marketplace thru XXXX XXXX XXXX the account was settled/resolved and paid off on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
From XXXX of 2021, I filed a dispute with XXXX, Equifax and XXXX about the inaccuracy being reported on my credit report of the accounts XXXX XXXX -- XXXX and XXXX XXXX. There are two different high balances being reported, {$960.00} on XXXX and Equifax but {$0.00} on XXXX for the XXXX XXXX, and different dates of last activity for the XXXX charge off.. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loans were distributed on XX/XX/XXXX in the amount of {$160000.00}. Loans were from multiple sources for my XXXX at XXXX University and XXXX XXXX at XXXX XXXX XXXX. They were consolidated into 2 accounts by NAVIENT for repayment. My current balance is {$190000.00}, which is an increase from my original loan, even though I have made payments. As of XX/XX/XXXX, I have made 58 payments to NAVIENT totaling {$45000.00}. After 58 payments my balance has not gone down, but up. This did not make sense, until I exported my payment history into a spreadsheet to figure out how this is possible. As I looked at the math on the spreadsheet, it became clear that out of {$45000.00}, only {$8700.00} went towards the principal, {$34000.00} went towards interest, and {$1300.00} went to late fees. The other shady part of this loan is that during the times I asked for student deferral while in class, NAVIENT would not only charge me interest, but also capitalize it. Which really means double dipping. Basically any amount late after 30 days was added back to the principal loan amount. For me thats {$36000.00} that was added back into the loan balance. Remember my paid in amount of {$45000.00} ; {$34000.00} interest and {$1300.00} fees= {$36000.00}? Notice how even though I paid {$36000.00} in interest and fees, they then took almost that same amount {$36000.00} and added that back into the total loan balance. This is the magic behind a balance increase even after 58 payments were made. Basically Im running on a treadmill backwards, if that makes any sense. No lender should be able to do this and especially without informing customers of this practice. Stuff happens and I can understand a late fee here and there, but to turn that late fee into a 120 % win-fall is ridiculous. 

Also I was not in an income driven payment plan from the beginning, I just found out about that on my own, doing research. NAVIENT put me on a payment plan with lower monthly payments, but I would be paying until the year XX/XX/XXXX. I just changed it myself and saved myself 15 years and $ XXXX. This is unfair to have no choice in the loan servicer the government provides and for NAVIENT to be able to take advantage of students. How do I get out from underneath their control and not lose my federal student protections? The capitalized interest {$36000.00} should be removed from my loan balance, this is not fair, it is a fee on top of a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Capital Markets Cooporative, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home XXXX/XXXX/XXXX. After sending in my XXXX Mortgage payment my Mortgage sold twice in same month. I never received any notification/Welcome Kit from new outfit. CMC serviced by SLS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I 've called them each week on Friday only to be told my Welcome Kit is being mailed. Still Nothing. I Finally found their Website on my own. The Website would not allow me to make a payment or sign-up for Auto pay. Against my better judgement I made a payment over the phone. The Rep proceeded to only post the Principal and not the Escrow. So I had to call back and pay the Escrow. That was on XXXX, as of today that is still not appearing on statement, where is my money? Today I received not XXXX, but XXXX Dilinquent Notices telling me I 'm in Default of my Loan! Are they for Real, are they Legit? They informed me a few weeks ago that they only got my info on XXXX and I had until XXXX to get all caught-up once they get me set-up, but Still no Welcome Kit. Please help get resolved. Are they trying to Scam me? I XXXX and read about a Scam regarding SLS that sounds just like this. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX PA. 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