BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In the course of obtaining a car loan today, XX/XX/XXXX, my credit union tried to run a credit report from Experian. They failed to get one generated because there is a security freeze put in place as far back as XX/XX/XXXX. I tried to call Experian Customer Service at XXXX several times but all I got was an automated voicemail, saying that I should request to have my credit freeze removed in writing with paperwork to prove my identity and address. 

I need Experian to remove the credit freeze. It can do so by calling me at 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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX has sold my information to other company with someone is using my credit with a different number ending in XXXX witch I never had a number ending in. That at All and information also someone has my information to where I have to switch out all my debit cards and bank account also going to places where I use my number it pops up as other people

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 2023-02-22
Company: Experian Information Solutions Inc.
State: CO
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 XXXX  XXXX XXXX Account # XXXX, XXXX XXXX # XXXX , XXXX XXXX XXXX Account # XXXX, And XXXX XXXX XXXX XXXX Account # XXXX , has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15. U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion score fluctuates XXXX points every few weeks. I called and discussed the issue in which I relayed that paying off my credit card drops my score while charging {$20.00} increases it. I offered screen shots of my payment dates that coincide with Transunion tanking my score. They said it's not and it's the bankruptcy HOWEVER if that were true and all credit bureaus have similar scoring models 1 ) why would it suddenly increase then decrease XXXX points every few weeks and 2 ) why is my score stable with XXXX and XXXX which is XXXX points higher at the moment. 

I have screen shots from XXXX XXXX and my credit card proving that Transunion is trying to keep people in debt by forcing them to keep a balance on credit cards in order to avoid dropping their credit scores which had in fact cost me 2 rental properties and is forcing me to look at becoming homeless due to increasing rental costs and the fact that the homes I can afford I can't get because of the TU scoring. 

I'm over credit bureaus and at this rate, it's this company is allowed to get away with this XXXX what's the point of having credit or even trying to buy a home when they're dictating who's worthy or not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello and thank you for your help. I know I am qualified for a mortgage based on my financials but I believe I am being denied a loan because I am a single woman.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: MI
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:
So I hada car loan with XXXX and paid it on time for 4 years as a lease  car and then turned it in and got another car. XXXX is saying that they billed me for a ding in the car of {$250.00} and I never got the bill and then reported me late. they said they called me 20 times but when i asked for the phone number they were calling, they had the wrong number it was one digit off from mine. So i never got any mail or calls regarding this. I had moved prior to all of this happening and then. I asked the car dealer XXXX for their records from the lease  and they told me they dont keep records. 

There actions of the wrong number and wrong address caused my score to drop and my credit score went down. I am not happy

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See the attached documents. 
I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

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 2019-02-14
Company: Asset Management Outsourcing, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection company : XXXX XXXX XXXX Orginal creditor : XXXX XXXX XXXX XXXX XXXX Date of service : XXXX can not confirm, only provided date they received claim:XX/XX/18 Amount : {$250.00} This account has been listed on my credit report. I have reached out to XXXX  via phone ane certified mail asking for itemized proof and I have not received a response, or a response that does not indicate or prove the validity of the account, including proof : 1. I had the reported service 2. List of services charged for 3. The cost of each service reported Furthermore, XXXX XXXX XXXX XXXX XXXX  nor XXXX XXXX Collection Company provided me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. This is my second and final notice of this violation before I will proceed with legal action as prescribed by law against your organization and the creditor listed above unless this item is deleted from my credit report within the required time allowed by law. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I plead for help and a quick response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: AZ
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. The Listed of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
So I hada car  loan with XXXX and paid it on time for 4 years as a lease  car and then turned it in and got another car. XXXX is saying that they billed me for a ding in the car of {$250.00} and I never got the bill and then reported me late. they said they called me 20 times but when i asked for the phone number they were calling, they had the wrong number it was one digit off from mine. So i never got any mail or calls regarding this. I had moved prior to all of this happening and then. I asked the car dealer XXXX for their records from the lease and they told me they dont keep records. 

There actions of the wrong number and wrong address caused my score to drop and my credit score went down. I am not happy

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 2023-03-31
Company: Goal Structured Solutions, LLC
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously took out an educational loan to pay for my college from XXXX XXXX. They are now Launch Servicing LLC. I only have one loan from this lender. Recently, I went to look at my credit score since I am a senior about to graduate. On my credit report, there are two reported duplicate loans from this lender even though I only have one. When I called to inquire about this to the company, they stated that they changed from XXXX XXXX to Launch Servicing LLC and this caused many people to have duplicate loans show up on their reports. One loan is listed under Ascent, one is listed under Launch. They told me that if I filed a dispute with the credit bureau, they would confirm that the dispute is valid and take off the duplicate loan so only one is listed. However, the dispute I filed was denied. I refiled the dispute and called Launch again demanding the duplicate loan to be taken off because it is bringing my credit score down XXXX points. Now I have to wait to see if the second dispute is approved, but overall they have done nothing to help me resolve this issue and because of their mistake, my credit score is lower. I do not recommend taking out a loan from this company, they are very unreliable and won't work with you to resolve issues like this. Attached is the loan payoff letter for the one and only loan I have from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: LEXISNEXIS
State: MD
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:
XX/XX/XXXX I had sent in a complaint on XX/XX/XXXX ( XXXX ) to your office regarding the erroneous information in my XXXX, XXXX, and XXXX in which the 3 bureaus are alleging that the information was obtained from the 3rd party Data Furnisher, Lexis Nexis. 
I also disputed the information with Lexis Nexis the Data Furnisher who sent me a letter stating that in accordance to the Fair Credit Reporting Act ( 15 } 1681 ), Lexis Nexis filed my dispute with the 3 credit bureaus and on XXXXXX/XX/XXXX this disputed information was deleted from their records. 
I then reached out to the 3 credit bureaus and asked how the disputed information was verified by Lexis Nexis the 3rd party data furnisher when the information had been deleted from my file. My to have this information corrected by the 3 credit bureaus have been ignored and I have not received an updated response since. Not to mention that LexisNexis and the NCRA use their bureaucratic process to justify keeping erroneous information on my credit report. Its evident by the way that LexisNexis sent me a letter on XX/XX/XXXX with the Consumer number XXXX stating that they were unable to fully authenticate my identity and requested that I send in additional information in which I did. In addition, I received 3 letters with the same Consumer number XXXX that states that the disputed information was being removed from my files. Also note that the name in the body of the correspondence that reference CFPB Case # XXXX that I am attaching, is spelled XXXX XXXX which is not my legal name and further shows how erroneous information is being placed in my credit files and I want all traces of the XXXX XXXX  deleted off my 3 credit reports with XXXX, XXXX, and XXXX. 
This erroneous information has caused me undue hardship financially and slowing up the process of me from getting my security clearance from my employer. This has caused irreparable harm to my credit file and I am requesting that this damaging information gets deleted from my credit files immediately. I am also requesting statutory and punitive damages in the amount of {$3000.00} from all 3 of the credit bureaus XXXX, XXXX, and XXXX for a total of {$9000.00}. This credit reporting system is an unfair system, predatory and life ruining and preventing me from recovering financially from the Covid-19 pandemic. Credit inequality matters. It contributes to the wealth gap. And part of closing that gap is acknowledging and eliminating systems like erroneous reporting of credit information that, intentionally been hindering consumers from becoming financially healthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi! I'm writing in regarding a recent issue with Wells Fargo and XXXX, of which my Wells Fargo account is connected to, and a case of easily preventable fraud. 

The afternoon of XX/XX/XXXX my email was hit with a spam XXXX and I noticed a suspicious email from XXXX noting my email had been changed, amongst about 1000 other spam emails. 

The afternoon of XX/XX/XXXX I contacted XXXX and my account was frozen. I also contacted Wells Fargo to prevent any transactions from my linked checking account to XXXX, and on XX/XX/XXXX a stop order was put in to stop any transactions from Wells Fargo to XXXX, with a reference number of XXXX On the XXXX of XX/XX/XXXX I woke up to some alerts through my credit monitoring service, XXXX, that my Wells Fargo checking account had gone negative, over drafted from the linked Wells Fargo savings account, and that I was charged an overdraft fee. This was from two fraudulent transactions from XXXX, for {$1300.00} and for {$1700.00}. I immediately called Wells Fargo to report the fraud and then again called XXXX, though they are not taking phone calls given COVID, so sent an email with the above information and am yet to hear back a resolution. 

On XX/XX/XXXX I officially filed a dispute with Wells Fargo and am hopefully in the process of filing a dispute with XXXX once they return my message. 

I did want to lodge a formal complaint here. I'm not sure how the ball could have been dropped in this case to such an extent, by both companies, given my accounts were supposedly frozen, or at least the transactions restricted, on both ends, and the transaction wasn't until a few days later. 

I hope that information helps and thank you for all that you do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been discussing my loan and how it is ( unfair ) with Rushmore. I have sent letters, emails and talked to several people. But nothing seems to work. I bought my house more than 15 years ago and with a downpayment of XXXX I have so far paid nearly XXXX. Now my principal is at XXXX which apparently goes up every month. I tried to reach out to them to see if they would reduce this but they have refused because it is not to the interest of their investor! Who is their investor? Why don't they try to let people keep their only home instead of charging these fees and letting you lose brick by brick of your house. I get payoff letter but it is not clear. One says XXXX, one says XXXX and one says XXXX!!! So which one is it. 

Why does Rushmore treat its customers this way? There are dozens and dozens of complaints against this company which is no different than the ones before, XXXX, XXXX XXXX XXXX and XXXX. All crooks who are there to steal people 's assets. 

I am demanding a lower principal balance and a speedy resolution in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Atlanticus Services Corporation
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received notice from XXXX that a new credit card had been opened in my name the 1st week of XXXX. I had not applied for any new credit cards. Upon reviewing my account, I learned that a 0 % interest retail loan that existed with the company called Fortiva with a remaining balance in the amount of {$1600.00} had been transferred to a Fortiva Credit Card with a purchase interest rate of 25.99 %. The transfer was made at the existing 0 % interest rate. The Total Credit Line of the Retail Loan was {$4000.00}. The Total Credit Line of the Credit card was reduced to {$2000.00}. 
Fortiva is issued by the XXXX XXXX XXXX. 
This transfer occurred because I had not OPTED OUT of this change of terms. The notification to OPT OUT was delivered by email and had a limited time frame within which I would have to OPT OUT. I never read this email. When I called the company I spoke with the consumer representative and her supervisor. Both reiterated that the fault was MINE due to my having not read the company generated email and OPTED OUT! 

Why am I complaining? 

Deceptive marketing tactics. The previous Retail Loan was setup with a monthly auto-deduct payment requiring no real time oversight on my part. Had I been required to OPT IN, I would have declined as I do not need or want another credit card. If I had a medical issue that prevented me from managing my emails this would have occurred. Likely there are consumers that this has happened to. 
The Fortiva representatives call this action an Upgrade. It is NOT! It has decreased my total credit line and dinged my credit score by creating a new credit card liability that I did not ask for and do not want.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-11-08
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Mr Cooper took over our mortgage in XX/XX/2023. They did not have any way in place to set up payment. They said that my auto pay would transfer. It never did. I sent in a one time payment, and set up auto pay. It came out correctly 1 time, then Mr Cooper charged my account, but it did not apply to my mortgage. I have called and called and called, no one will help. I am going to report this as fraudulent charge if it is not applied in the next 2 days. It has been terrible, I have called 14 times to try and get things done correctly. They are NOT answering phones, and I wait for 10+ minutes and get hung up on.

Company response to consumer: Closed with explanation