BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-20
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am the seller of a property and the buyers are using Quicken Loans, Loan Officer XXXX XXXX, NMLS XXXX. I am reporting XXXX based on the communication received from the buyers agent. Quicken Loans canceled two appraisers until finally allowing a third appraiser to complete the project. The appraisal had comps over a year in age and an estate sale and came in lower than contract price. The appraisal was disputed and reviewed and more recent and accurate comps where found. This was the source of the initial closing delay. After this was completed Quicken asked for additional information from the buyer which she provided. She went weeks without communication. I called the loan officer at one point and asked that he communicate with the customer so she could keep us informed of the progress. We were told by the agent that Quicken stated there was a delay because of USDA funding which was a lie because USDA was not having funding issues. We were told the loan had full approval and found out from the attorney that they were waiting for USDA to underwrite the loan. All the communication provided to me from the Buyers Agent which insists the information came from Quicken has been inaccurate. The buyers have missed two closing dates and the contract expires on the XXXX of XXXX. Their negligence has caused me money and may cause the buyer to loose their earnest money as I am not extending the contract past the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
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:
I call XXXX, Transunion XXXX and sent Certified mail Identity Theft Report. About fraudulent XXXX account on my credit report XXXX XXXX Cell phone {$4700.00} XXXX I file a report with FTC.

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 2017-06-30
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:
I have filed multiple disputes with each of the 3 major credit bureaus. I have provided substantial evidence of their erroneous reporting of my credit specifically a tradeline for XXXX XXXX XXXX who is notorious for sending wrong and fatal payment history data to all 3 credit bureaus. My evidence shows an online payment transaction history for the year 2016 reflecting no 30 day late payments were ever made to XXXX XXXX XXXX however XXXXXXXX Transunion, XXXX and XXXX XXXX XXXX refuses to remove the erroneous information which is a direct reason why I was denied a home loan.

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 2022-05-02
Company: Experian Information Solutions Inc.
State: TX
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:
There are inquiries on my credit report that i didnt authorize and i am so dissapointed because my information suppose to be protected at all times.. i have been contacting the cra 's quit sometimes now in no one is responding to my matter at all.. however i can proceed with court matters if this isnt resolved because the cra 's has already violated my rights 1. ignoring 2. running my credit when i didnt authorize 3. inaccuracies 4. motion distress..

i am requesting under section 15. US 1681 PER 609 PER 604 that these inquires remove that i didnt authorize nor given permission they have 24-72 hours to fix

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. The accounts on my account are fraudulent and does not belong to me. Here are the accounts : XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXXXXXX 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 2022-08-14
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
Payments and loan amount, payment dates, accounts last used information is incorrect and inconsistently reported on all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: CADENCE BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My paycheck was deposited early on XXXX and wasnt in the bank. I found out since Wednesday XXXX deposits havent shown up. 
Late on XXXX my deposit showed and then today XXXX it disappeared no contact from the bank except a banner on app. 
This is totally unacceptable behavior for a bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have recently obtained a copy of my credit file and there are still many mistakes in my report. In fact, I have asked for the Verifiable Proofs for the below accounts : XXXX XXXX XXXX XXXX XXXX - XXXX : Unverified information XXXX Account # XXXX : Unverified account

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 2021-12-08
Company: Experian Information Solutions Inc.
State: NC
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, Experian, and XXXX credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit 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 non-monetary relief
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, and Transunion credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit 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 non-monetary relief
Consumer complaint received 2017-10-22
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received my annual credit reports. there is a company that on my XXXX XXXX XXXX report by the name of XXXX, XXXX XXXX XXXX XXXX. I have no idea who they are, I have not requested any credit, form any credit company in the past year. The inquiry says is from XXXX XXXX, I was traveling on XXXX XXXX was not even in the United States. Someone must have used my information, and now appears ad a credit inquiry from 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 explanation
Consumer complaint received 2022-05-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX ) is attempting to collect a debt from HSBC that was discharged in bankruptcy. They have called me and several members of my family. They have threatened to serve me legal papers at my home or work, but they don't know either address. Their only information is out of date ( 10+ years ). When I contacted HSBC about it, they said they haven't heard of the company and they didn't hire them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX I am a federally protected consumer and authorized representative for XXXX XXXX XXXX I am making this complaint of my own accord. Upon recent inspection of my consumer report feel my rights as a consumer have been violated by credit reporting agencies Transunion LLC, XXXX and XXXX Information services. According to the FCRA, the ONLY " bureau '' is the CFPB. While I understand the credit reporting agencies have assumed a role in reporting, it is FEDERAL LAW that the information be ACCURATE! Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ), the term " consumer report '' DOES NOT INCLUDE - any authorization OR approval of a specific expansion of credit directly OR indirectly by the issue of a credit card OR similar device. I extended my social security card which is defined under 15 USC 1602 ( l ) as a " credit card '', for the purpose of obtaining money, property, labor or services on credit. Neither of the credit reporting agencies have my consent or permissible purpose to furnish the following inaccurate and not physically verified private personal information : 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 2017-10-22
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XXXX XXXX, XXXX Navient place my loan in deferment until XXXX XXXX, XXXX without my authorization. During this deferment period my loan will continue to acrue interest and my unpaid interest will be added to the capital to form a new capital. Can I please get some help in resolving this issue? Are they allowed to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I contacted the three reporting agencies about a collection account that is incorrectly reported as mine. Both XXXX and XXXX corrected and deleted the account after their investigation. However, EQUIFAX refuses to delete this account from my credit report. The party responsible for the account even wrote a letter to EQUIFAX explaining that the account is theirs and NOT mine. They still refuse to delete it. I am a student trying to establish credit and use it responsibly, I monitor it and I recently received a student credit card to help me increase my credit rating. Unfortunately, this account that is incorrectly reported is hurting my chances to manage my credit responsibly. I appreciate any help you can provide to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Reached out today ( XXXX ) and spent XXXX and XXXX being passed around from department to department. And NOBODY could/wanted to discuss where my increase in payment was from, I understand shortage in escrow but when my taxes had very little change and my insurance only changed {$220.00}. But to have a shortage of $ XXXX?!? They also could not and would not provide a valid contact number to the actual Mortgage holder ( which happens to be the same as the company acting as a 3rd party ) just a bunch of passing the buck, after clearly explaining and identifying myself EACH time! What a waste of time and unprofessional way to treat the consumer. Just want clear and documented numbers of where this increase came from and how especially having ALL current info at the time of the projected years change And each time I reach out to inquire on my mortgage or ask for information I get NOWHEREThus resulting to reaching out to the CFPB which amazingly I get a call back/from the company and FROM a person who can correct/fix the situation the first time

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 2020-04-23
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Funding is trying to collect a debt from me, that is owed by : XXXX XXXX. My legal name has never been " XXXX XXXX '' and I've never opened an account with that name. I have been trying to get the name removed from my credit report. My name has always been XXXX XXXX XXXX. I asked them to provide verification with my signature, but they only send electronic documents that could have been setup or accessed by anyone. I do not have knowledge of such an account because I never applied nor held am account with the surname XXXX. This is not my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX Attempt to tell you and Credit Bureaus that I am a victim of identity theft and I sent a complaint to dispute certain ITEMS in my file resulting from the crime. I'm submitting multiple Letters to XXXX from XX/XX/XXXX until today XX/XX/XXXX regarding this issues. The ITEMS I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft pursuant to FCRA section XXXX. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX These items are unknown to me. Also, the information provided on some ITEMS are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2017-10-22
Company: EQUIFAX, INC.
State: UT
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 went to the bank with my father to open an account. The bank informed me that my father 's Bankruptcy is showing under my social security number at Equifax. I sent a dispute with a copy of my social security card and passport. I also sent a copy of the bankruptcy showing it belongs only to my XXXX year old father with the same name, different social security number, different birth date and year, different place of birth. Equifax replied that the Bankruptcy belonged to me, no notes on the investigation, no explanation of why. Just that they will continue reporting that it belongs to me. They did not take into account any actual proof that we are two totally different people with a totally different identities, lives, or personal history. Also that I could have no possible credit history as a minor ( XXXX year old ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received the attached letter from NewRez LLC today, letter is dated XX/XX/21 The first paragraph of the letter is as follows : " We have attempted to contact you by first class mail and on at least XXXX ( XXXX ) occasions by phone to discuss and assess your financial situation and to explore options that may be available to you to avoid foreclosure.Despite these attempts. we have been unable to contact you as of this date. '' The letter goes on to state that I must contact them to avoid foreclosure. Here is the issue : 1 ) NewRez LLC XXXX XXXX XXXX XXXX has not contacted me a single time prior to this letter by phone nor mail. I have contacted them numerous times to resolve an error they have made with my mortgage account. 2 ) I have never defaulted nor been late for a single payment ever. My loan is current with all payments being made in full in a timely manner. 

On what basis does NewRez believe it is correct and legally appropriate to send me this letter? I believe NewRez is engaging in illegal and deceptive business practices which causes stress for the consumer and wastes the consumer 's time. No one that is making their payments on time and in full should be receiving a letter of this nature. I am filing this complaint so that the government and other consumers are aware of their business practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
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:
I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.

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 2022-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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 a credit card issued by Bank of America. That card was stolen XX/XX/2021 - the theft was reported to B of A following fraudulent charges in excess of {$1200.00}. 

The short story : Bank of America refused to waive the charges. I wrote Bank of America explaining the situation and included the police report. They refused again. 

I filed a complaint with your organization ( Complaint ID XXXX ). Your Consumer Portal indicates the file is closed - seems Bank of America responded. 

I'm making minimum payments on the fraudulent charges to maintain my credit score but get no satisfaction or explanation from Bank of America. 

Where do I go from here? 

PS : I have a voluminous file but have no idea how to copy ( or upload ) documents

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
Consumer complaint received 2021-07-21
Company: Millco Management
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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 3 Bureaus 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 Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. 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 can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation