BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 for XXXX XXXX, XXXX, XXXX for XXXX XXXX XXXX, XXXX for XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX reference number XXXX, XXXX for XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX wisconsin XXXX XXXX number # 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

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 2022-01-27
Company: Experian Information Solutions Inc.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-01-27
Company: R & B Corporation of Virginia
State: VA
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:
Contacted the collections agency and the vendor each vendor did not file timely or did not file claim at all. There are two claims. 
{$330.00} service date XX/XX/XXXX. {$550.00} XXXX XXXX the service date XX/XX/XXXX verified with my insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
received a phone call on XX/XX/2022 from XXXX and stated the operator told me someone was trying to withdraw XXXX from his bank account the chase representative stated I needed to verify security questions account number and pin number user id and password to block the transaction he provided the information to the chase representative to secure my account I started to feel not good about the call and i drove to chase located in XXXX XXXX XXXX passed the phone to a chase representative at the branch and he was trying to verify the person on the call but he could not verify him because all the codes he was providing were expired when they noticed it was a fraud call the individual once the transfer was done hung up my sister drove to XXXX  XXXX in XXXX XXXX. and they were able to put a hold and freeze the scammers account I have tried everything chase started a wire recall XXXX XXXX states they are able to return the money the money is frozen but they need a hold harmless letter i sent the letter to chase but chase has not sent it back to XXXX XXXX I need your assistance to recuperate my money as per XXXX XXXX the individual that did fraud has done numerous frauds and the account is frozen and is waiting for that letter to send the funds back please assist me these are my life savings i have also filed a police report report number XXXX deputy XXXX badge number XXXX I have constantly called chase actively since the beginning of this ordeal and they are not doing anything XXXX XXXX stated they needed a hold harmless letter and they did not provide it they have not done anything to help me in this ordeal I have filed a FBI complaint a federal trade complaint I have also filed a police report and nothing happens XXXX XXXX has the money frozen and they are needing the hold harmless letter from chase its been a night mare and chase has not helped in nothing when XXXX XXXX communicates during the wire recall all they did was send us what XXXX XXXX requested but they did not even reply or make any communication with XXXX XXXX to assist me to get my funds back they have been very negligent in this matter XXXX XXXX has the funds frozen in a jail account and if they don't get a response from chase they will release them to unclaimed money with the government I need assistance to get chase to help me or how do I recuperate the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attempted to resolve this issue with TRANSUNION multiple times. Do to a language barrier with all TRANSUNION representatives this is nearly impossible. 
I am requesting the following inquiries be removed. These are not mine. 

( XXXX XX/XX/2021 ) ( XX/XX/XXXX XX/XX/2021 ) ( XXXX XXXX XXXX XX/XX/2021 )

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 2018-12-06
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being charged for a medical bill that i had medicaid for. I have a collection on my report that should have been paid for by medicaid. I have attempted to get the collection deleted from my credit report but had no success and the company in question will not help either.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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 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 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 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 non-monetary relief
Consumer complaint received 2023-10-11
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
Rocket Mortgage/Quicken Loans churned 5 refinances in 3 years for an elderly person with XXXX, charging him {$25.00}, XXXX in fees and costs. They did not require him to escrow taxes, despite tax records showing he was behind, they charged him for new title insurance policies all 5 times which is not customary when refinancing with the same lender. They failed in their fiduciary duty to identify and report a customer with diminished capacity. They charged him discount points/orgination fees and allowed him to roll all costs into his newest loan, thereby driving up a XXXX loan to a XXXX and now that all his equity has been drained, they are foreclosing. They also failed to make the roof repair part of the loan agreement, so the roof that he indicated he was using the refinance for, was never repaired and is now damaging the property. Note that loans XXXX and XXXX were all taken out just to refinance the previous loan to Quicken-no money was cashed out to the borrower or to other debtors. I think a fiduciary crime has been committed here. If you look at loan XXXX, taken XX/XX/XXXX, it cost the borrower {$4000.00} to make the loan only to save {$53.00} per month, then 11 months later he was allowed to refinance again at a cost of {$4600.00} just to save {$43.00} per month, then he was allowed to refinance again 10 months later at a cost of XXXX which he used to pay off an XXXX credit card that only required a XXXX XXXX monthly payment -- no credit counseling was provided or suggested, nor advice against refiancing for the XXXX time in 3 years to pay off something well within his budget. It was the responsibility of Quicken/Rocket to raise a flag at this type of activity on the same address yet they failed to take any action. I want a full investigation of how this was allowed to happen. 
XXXX. QUICKEN LOANS- XX/XX/XXXX, borrowed {$75000.00}, total closing costs : XXXX, Closing costs financed : XXXX interest rate : XXXX Term : XXXX points : 1.38 % Monthly Payment : XXXX XXXX. XXXX LOANS- XX/XX/XXXX borrowed : XXXX, total closing costs : XXXX Closing costs financed : XXXX, Interest rate : XXXX term : XXXX XXXX % monthly payment : XXXX Paid off XXXX and got {$19000.00} cash out XXXX LOANS XX/XX/XXXX, borrowed XXXX total closing costs : XXXX, closing costs financed : XXXX, interest XXXX, term : XXXX, points : 1.75 % monthly XXXX Cash to borrower : XXXX only paid off XXXX XXXX. XXXX, borrowed : XXXX, closing costs financed : XXXX interest rate : XXXX term : XXXX, XXXX %, payment : XXXX Paid off XXXX XXXX. ROCKET XXXX, borrowed : XXXX, closing costs financed : XXXX, XXXX rate : XXXX term : XXXX, points : 1.50 % payment : XXXX cash to borrower : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous fraudulent hard inquiries on my credit report that were not authorized by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the unauthorized fraudulent hard inquiries from my credit report as soon as possible. 





Also I have supporting Documents to include with this complaint ( the fraud report i filed, my drivers license, and my social security card ) but the upload portal on the complaint page is not working. I will be contacting you tomorrow to get you all of the supporting documents that i have to support my complaint.

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 2023-07-04
Company: EQUIFAX, INC.
State: CA
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:
According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX account # XXXX Reporting inaccurate information on my credit report, I HIGHLIGHTED all inaccurate parts of the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a minor ( XXXX XXXX XXXX ) and I was XXXX when this debt was apparently made. I never signed a contract with Radius or XXXX XXXX and Im not legally able to! My parents never did either and its only my name on the letter.

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 2022-01-27
Company: PREFERRED CREDIT INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been disputing the late payments showing on my account for PREFERRED CREDIT INC which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: PNC Bank N.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, My name is XXXX XXXX and I am seeking legal advice on a fraudulent activity from BBVA. The company BBVA repossessed my car on XX/XX/2020 without a letter of notice. Before this took place, I spoke with a BBVA representative on XX/XX/XXXX and they told me I was behind {$1200.00} for car payment. I sent them a check in the amount of {$920.00} and a money order for {$300.00} on XX/XX/XXXX. I was under the assumption that everything was fine as I never received any notification that an order was sent out for repossession on my vehicle. Then, to my surprise they took the car on XX/XX/XXXX. When I called them they stated that the check I gave them was lost and never received. They reported on my credit report that my outstanding balance was XXXX and they sold the company to someone else. Now, today XX/XX/XXXX, I checked my bank account and it is over drafted {$920.00} from the check that they stated was lost and never received. I need to dispute this fraud immediately. An investigation claim needs to be opened on this company. I need the check amount placed back into my bank account. I called them today to find out why they did that and they replied saying they had the check and money order and had applied it to my account. I told them that I no longer have an account with them as my balance was reported XXXX. Please advise on how I can take legal action. THANK YOU! 

Regards, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX, FL XXXX ( XXXX ) XXXX XXXX Fraudulent Company : BBVA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: AK
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:
Apparently there are algorithyms used by credit reporting agencies that " CODE '' your dispute based off key words in your dispute, like " not mine '' or " bankruptcy '' or " never late '', and within hours to days, you get a computer that sends an automatic reply to you saying your dispute has been " investigated ''. Something that many credit reporting agencies are well aware of and likely CFPB, so making any type of " complaint '', does NOTHING. STILL, I will NOT STOP until I get past the Algorithyms and get some who will ACTUALLY look a things. 

my credit score with Equifax MYSTERIOUSLY went from XXXX with EQUIFAX to a XXXX!!! in a WEEK!!!! 

Although NOTHING with ANY of my current creditors has changed. What they have done NOW is to go BACK into CLOSED BANKRUPTCY CREDITORS ACCOUNTS, and make DEROGATORY comments, and even allow for old creditors to change comments from Bankruptcy Chapter XXXXDischarged to LATE/COLLECTIONS or LATE/CHARGED OFF or LATE PAYMENTS and how many. 

Some of these account date back to XXXX!!!! THEY SHOULD NOT EVEN BE ON MY REPORT! 

I WANT ALL THESE THAT ARE OUTDATED, REMOVED. I WANT ALL THE COMMENTS REMOVED and RESTORED to BANKRUPTY/CHAPTER XXXX. 

I don't know how someone who has worked for 3 years to rebuild and has EXCEPTIONAL payment history SINCE, suddenly and without explanation, DROPS XXXX points!!!! 

EQUIFAX has some explaining to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: NV
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 Violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX acct : # XXXX, XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX acct : # XXXX, XXXX XXXX XXXX acct : # XXXX, XXXX acct : # XXXX, XXXX  XXXX acct : # XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date : XX/XX/2018. 

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

! 5 U.S.C. 1681 section 604 A section 2. 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 explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance XXXX {$0.00} ; 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 2021-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Hello. 
On XX/XX/2021. 
I used my government prepaid Bank of America XXXX to make a withdrawal at an at Bank Of America ATM. ATM ID number XXXX located on trails village in XXXX XXXX NV. I entered for XXXX dollars to be withdrawn from my account. The ATM gave me XXXX dollars. XXXX XXXX XXXX dollar bill XXXX XXXX dollars bill and XXXX tens. Which one XXXX and XXXX dollars would be missing from my withdrawal. I called the back of my prepaid card they issued me a new debit card right away which XXXX not able to access! Which has now closed my deposits from my unemployment. I need my prepaid government debit card re opened so that I can receive my weekly government benefits. When I call Bank of America XXXX department they transfer me to numbers that eventually hang up on me.

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