BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I viewed my credit report and notified the credit agency OVER XXXX ago that my credit report had fraudulent accounts. 
I sent in the needed information in order for them to successfully block these fraudulent items from my credit report pursuant to 605B : I provided proof of my identity, list of the fraudulent information on my credit report, and a copy of a completed and submitted identity theft report with the Federal Trade Commission from XXXX YET AND STILL, these items remain on my report and these credit agencies called them " verified '' accounts with no evidence or proof of that ever mailed to me pursuant to 15 USC 1681 - " Disclosure of investigative consumer report. '' They are violating my consumer rights. Both through 605B and 1681B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions. My legal rights have been violated. 
Due to this violation this account must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: IL
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 information reporting to my credit that is fraudulent reporting on my XXXX XXXX. I have set a dispute several times I have address the issues with the creditor and they told me that they were going to remove and send the information to the bureaus to update it and they have not to do so the information is not my information and its fraudulent and information should be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: KY
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 have disputed with the credit bureaus several times regarding addresses on my credit report that do not belong to me and are on my report as a result of identity theft aswell as inquiries and fraudulent credit accounts opened in my name and have asked they be removed the credit bureaus will not remove these addresses, accounts, and inquiries. I have provided them with identity theft reports and ask that these be removed from my file immediately XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2018-09-15
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home XX/XX/2018. 7 months later I received a letter stating my mortgage payment is increasing $ XXXX/month due to an escrow analysis. I can not afford the increase in monthly payments and would not have signed for a loan with payments that high. I have open up an investigation case with my local tax office but it takes 30 days to get an answer. I do not want to get behind on my mortgage payment or it having a negative impact on my credit. The loan company states that can not do anything about the increase in payments. 
I would also like to add XXXX XXXX to this case which is the local office who has done a 3 yr assessment increasing the taxes. I have only been in the home 7 months. The case number for them is Id # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Maximus Education, LLC dba Aidvantage
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan servicer changed from XXXX XXXX to Aidvantage, and I am attempting to apply for the PSLF waiver. I have never missed a payment since I graduated in 2015, but in using the PSLF help tool Aidvantage is reporting zero payments made. I am afraid I am going to miss the PSLF waiver because these companies can't keep their records straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
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 sent a dispute letter regarding XXXX XXXX XXXX XXXX account # XXXX. I had received a letter back from TransUnion file number XXXX stating account not specified. As Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you could not verify the information within the 30 day time period, account should have been deleted 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 explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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 information incorrect

Complaint:
Update from case # XXXX : Each time I dispute Experian take points away and make old delinquencies appear current delinquencies Experian updated my report with inaccurate information show I have recent delinquencies 1. XXXX XXXX XXXX XXXXXXXX Updated inaccurate Problems as follows : A. Showing as of XX/XX/XXXX I have a balance of {$650.00} Balance updated XX/XX/XXXX ( I should not show a balance ) B. Shows I have a charge off as of XX/XX/XXXX ( Charge off was XX/XX/XXXX ) C. Shows 27 hits of 30 days late .... CORRECT INFO ( late 3 times XXXX, XXXX, and XX/XX/XXXX before charge off. Charge off was XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Updated inaccurate Problems as follows : A, Showing as of XX/XX/XXXX I have a balance of {$590.00} Balance updated XX/XX/XXXX ( I should not show a balance ) B. Shows I have a charge off as of XX/XX/XXXX ( Charge off was XX/XX/XXXX ) C. Shows 26 hits of 30 days late .... CORRECT INFO ( late 3 times XXXX, XXXX, and XX/XX/XXXX before charge off. Charge off was XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Updated inaccurate Problems as follows : A. Status Inactive. ( This is closed and has been since XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX A. Shows 26 hits of 30 days late CORRECT INFO ( late 6 times XXXX XXXX and XXXX and XX/XX/XXXX Charge off was XX/XX/XXXXXXXX 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 2022-10-26
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the bill was for {$16.00} to XXXX  XXXX and it was paid on XX/XX/2022 check number XXXX and today I receiv ed this transworld systems inc trying to collect the debt reference number is XXXX. 

I have a copy of the check that has already been cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I actually would love it if we were able to select more than one option on the question what problem are we having. I have several 1 ) Equifax incident was in 2019, i filed all requested and required documents to be reimbursed as per the instructions. I have yet to get any kind of response on that. No reimbursement, no identity security, not a call or a letter back nothing 2 ) it took me several attempts over the course of two months accumulating 7-10 hours on the phone to get through their faulty phone system, sit on several different periods of random holding for extremely lengthy periods, to finally reach a human to unlock my account on their site because they stated I answered the questions wrong. After I finally gained access I began the long uphill battle to try and correct my report on Equifax because it is beyond screwed up. Still not done with this process.

3 ( tried to request my free credit report, and was again locked out of their site and my account because they said I answered questions wrong but their identity verification questions included accounts I never had! How can I compare and correct my report if they keep locking me out and making it impossible for me to see all the details?

This process and system have become unacceptably inconvenient and frustrating, not to mention it's all because they crowned themselves big brother which essentially makes them the biggest scariest most invasive stalkers of all time. How is these business or practices they " instituted to keep citizens safe '' be legal when they are the reason hackers are targeting our info to begin with. They made up their service way back when they convinced a few key monety lenders and banks that they knew everything about everyone and it was just silently accepted as fact. They aren ; t the government they have no legal powers they NEVER asked for my permission to collect personal and sensitive information about me yet I am not allowed to remove myself from their databanks??? how fair is that? how can that be legal?

So again, for the third time this year, since they the all powerful credit watchers have the WRONG information, and apparently can ; t be bothered to hire enough people, or invest in quality management of any kind, I have been locked out of my account again, and have to go through the circus of trying to get a breathing human on the line to help me since you can't unlock it yourself or request a reset even. This company has cost me way too many hours of my life already I demand change and resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: AMERICAN ADVISORS GROUP
State: MI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I highly caution anyone thats looking to do a reverse mortgage with American advisors group AAG to not do it! One hand doesnt know what the other hand is doing they stretch it out every day clicking up the charges for you. It takes 10 to 14 days in this computer age to get a pay off letter thats ridiculous. The sad part about this is this is geared towards senior citizens which could be considered elder abuse XXXX XXXX is on TV all the time talking about this encouraging people to do this Im telling you from first-hand experience do not do it its a nightmare.The Lansing office that Ive been dealing with I have told them and sent them documents stating my fathers address has changed 3 times this year, they have never done it they may have done it now they broke their contract by not sending monthly statements it is not a good situation please please talk anybody whos thinking of this out of doing it OK thats my public service announcement for today.Many elderly have to leave their home because of health issues such as my father he would never be able to handle all this nonsense that weve been dealing with and I think that they know that and take advantage of it please convince your parents or whoever not to do that!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Carter Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a debt collection notice for a medical debt which was inappropriately sent to collection. XXXX XXXX mistakenly did not bill my insurance, and I called every month to correct their mistake. I even had a three way conference call with both the insurance company and the billing office, and they all assured me it was taken care of. After this, the debt was sent to collection, I assume because their repeated mistake took them out of the window of time where they were allowed to submit a claim. 

I contacted the debt collection agency and explained this situation and received no response, but further calls requesting I pay. I should not be required to pay for XXXX XXXXXXXX XXXX mistake, after also paying my insurance premiums. It became increasingly clear that they had no intention of fixing their mistake. It is also clear that this debt collection agency is attempting to collect inappropriately, after receiving this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I been in the Hospital for 5 Months due to having XXXX from XXXX, 2020 as of now my Bank XXXX Bank of America XXXX states I own {$1600.00}. I have wrote to this company bank to waive this amount due to unable to pay due to my illness. 
I have Not hear anything back from bank of America except calling me all Hours seven Days a week including Sunday that I own this Amount. I can Not get up from my bed to attend them due to all Medication I am taking. 
I need to solve this issue before this Loan raises to the XXXX which due to me having XXXX having very low income and unable to work to pay this Loan I have been pleading to Bank of America for being a Member for over 28 Years to waive off this 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 2023-10-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have affected me in so many ways to gain credit cards, buying a house for my family and I find it very interesting that my personal information about my Child support is showing on my credit report inn way that is vary illegal not just being on there but it in a position that it's an instalment loan which is weird you can't borrow money for child support I didn't sign a contract for that amount of credit Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX Account name : XXXX  XXXX  # XXXX Account : name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX THESE Accounts are stopping me from buying a house for my boys I'm a single father who is trying to make a difference in my children 's life accounts like these have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: Select Management Resources, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
While I couldn't make any payments on my vehicle for a title loan because of medical issues, the title company ended up sending out a repossession company. This company had to open up the door to see the vin.nunber and in doing so that person had to be able to see my my medication which is life saving. At that point they should have either stopped and knocked on my door and given me my medication or at least contacted me the next day so I could pick it up. It has been over 10 days and I had to go to the doctor 's office for another prescription because this medication is supposed to be around me at all times that's why I kept one in the vehicle. Just taking a vehicle without care of anyone 's possessions inside shouldn't be tolerated because it could cause a life threatening situation. What if this was my only one? I live in a small village and we have a small fire department, who is then responsible? Please don't me because everyone forgets once and a while that's why I had in the vehicle and they took it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions

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