BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I received a notice of adverse decision from a financial institution made in reliance on an Equifax report. Since then, I have made numerous attempts to contact Equifax ( both online and over the phone ) to receive a copy of the report under the FCRA. Neither their online systems nor automated phone systems are processing the FCRA requests ( i.e., the online system is " unable to deliver [ my ] credit file '' directing me to the automated phone since, which is similarly fruitless ). Despite my repeated attempts ( in some cases involved more than ~40 minutes of hold time ), I have been unable to connect with a live representative about the matter to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My credit card with XXXX XXXX was charged off in XXXX 2016. XXXX XXXX has been reporting that charged off account as late & over the limit every month since it has been charged off to all XXXX credit bureaus. This is a huge concern. Please resolve this issue.

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 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX, & Transunion have infringed my rights as a consumer and they are in violations of the following sections of the FCRA 1681i ( 6 ) ( b ) ( iii ), 1681i ( 7 ), & 1681e ( b ). 
On XX/XX/2020 i request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature for the following accounts XXXX XXXX   XXXX XXXX XXXX Also to challenged the completeness & accuracy for the following account 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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been drawn out into the fraudulent that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending these Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-01
Company: Experian Information Solutions Inc.
State: IL
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 contacted Experian with proof that XXXX was reporting incorrect information. One account with affirm satisfied, but they are reporting that I still owe and my second account I owe $ XXXXsatisfied, but XXXX said I owe {$230.00}. XXXX XXXX reported that I missed XXXX payment but they wont updated that I paid, XXXX XXXX report the wrong amount they refuses to fixed. As a customer we count on these agencies to report the truth if they are not going to do it they should not have assess to our information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
This complaint is in regards to unauthorized fee for an appraisal that was ordered by my former home loan officer XXXX XXXX XXXX ( # XXXX ) at Prime Lending XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Tel : XXXX. On XX/XX/2017, XXXX XXXX XXXX was notified that home loan services from Prime Lending were no longer needed due to his aggressive and unprofessional speech via telephone on XX/XX/XXXX. 
Surprisingly, on XX/XX/XXXX, I received a intimidating voicemail from stating " the appraisal went to the property on yesterday, the appraisal is done..you have until Monday to pay the appraisal fee ( {$550.00} ) ..I would hate to have this affect your credit and cause you problems with moving forward with a new loan ''. Since getting the appraisal supervisor and accounts receivable involved, I was sent a link by XXXX XXXX for a {$150.00} trip fee. My position is I did not authorize this appraisal, therefore I should not be charged any associated fees. Please look into this matter to assist me in resolving this issue. 
Regards, XXXX XXXX Former Loan # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One Bank has participated in unfair and deceptive practices with their VentureOne credit card. I was charged a fee for XXXX on XXXX for not paying my full previous balance. This is not accurate. I paid my balance in excess for the month, but Capital One said I did not get credit for the payment of XXXX because it happened one day before my cycle date. I attempted to call and resolve on XX/XX/XXXX but the specialists and supervisors we uncooperative and rude. The funds were not withdrawn from my account until the DAY AFTER cycle ( XX/XX/XXXX ). They also stated they have no ability to reverse fees. Their system does not allow it. I know for a fact this is not true and do not appreciate being lied too. They need to be held accountable for not only how they treat their customer of over 15 years but also providing false and inaccurate information about what they can and can't do. I attempted to escalate further but the response I was given was to call back and I would get another specialist and I could then ask for a different supervisor. They expected me to stay on hold in the effort I would just give up. This has now become not about the money, but about how this company thinks it can treat a loyal customer. If they do this to someone that has been with them over 15 years, I can not imagine how they treat other customers. Capital One should be embarrassed with how their specialists and leadership treat me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account does not belong to me. I reside in California and it stating this account was for gas services in Las Vegas Nevada. I disputed this with Transunion and XXXX and it was only updated and I was not provided with any information on how this debt was validated. I want this investigated and removed 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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of TransUnion on XX/XX/XXXX. Despite my initial contact, TransUnion has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$13000.00} ) TransUnion has erroneously reported a late payment on the XXXX XXXX account. I want to emphasize that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$12000.00} ) TransUnion incorrectly indicates a late payment on the XXXX XXXX account. I would like to clarify that this account has never been late. Hence, I kindly request the removal of the late payment entry from my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) TransUnion includes a late payment record for the XXXX XXXX account. It is essential to note that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX TransUnion has provided inaccurate information regarding the XXXX account. I kindly request the correction of this erroneous data on 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 2023-07-13
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 submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2020-04-10
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
ON XX/XX/XXXX, I CONTACTED QUICKEN LOANS BY PHONE TO DISCUSS THE POSSIBLE REFINANCING OF OUR HOME SINCE THE RATES ARE LOW AND WE HAVE A XXXX ARM AT 5.125 %, AND WERE HOPING TO CHANGE TO A LOWER FIXED RATE. A XXXX XXXX ANSWERED AND MY VERY FIRST WORDS TO HIM WERE " DO YOU FINANCE COOP LOANS IN FLORIDA? '' THE REASON I ASKED THIS WAS BECAUSE COOP FINANCING IS A RARE COMMODITY AND I DIDN'T WANT TO WASTE MY TIME. XXXX SAID HE THOUGHT SO AND WOULD CHECK WITH HIS MANAGER AND CALL ME BACK. HE DID CALL BACK AND SAID THAT QUICKEN DID FINANCE COOP LOANS. 
OVER THE NEXT 8 DAYS, WE WENT BACK AND FORTH PLAYING PHONE TAG ABOUT RATES, CLOSING COSTS ETC., UNTIL FINALLY HE GAVE ME THE VARIOUS RATES AND POINTS ASSOCIATED WITH A 15, 20 AND 30 YEAR FIXED RATE, AFTER OUR EXCEPTIONAL CREDIT HAD BEEN VERIFIED. HE ADVISED THAT WE HAD BEEN " APPROVED '' AND WOULD NOW BE FORWARDING IT TO HIS " DIRECTOR '' FOR APPROVAL FOR ADVANCEMENT TO THE UNDERWRITERS. I WAS VERY HAPPY WITH THE TERMS AND WANTED TO MOVE FORWARD. 
THE NEXT DAY, XX/XX/XXXX, A VOICEMAIL FROM XXXX TO PLEASE CALL. I DID SO AND FINALLY REACHED HIM LATER THAT DAY. HIS NEWS WAS THAT QUICKEN DID NOT FINANCE COOP LOANS IN FLORIDA, ONLY IN NY, WHAT! 
I WAS ABSOLUTELY LIVID, NOT JUST FOR THE TIME I HAD SPENT OVER MORE THAN A WEEK WITH THE GOING BACK AND FORTH AND BEGINNING TO PULL TOGETHER THE NECESSARY DOCUMENTS, BUT THE FACT THAT I WAS BLATANTLY LIED TO ON MY VERY FIRST CALL ABOUT COOP FINANCING! THEY PULLED OUR CREDIT REPORTS UNDER FALSE PRETENSES, SO NOW WE HAVE HARD INQUIRIES ON OUR REPORTS THAT WERE IN MY OPINION, FRAUDULENTLY OBTAINED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2020-04-11
Company: LJ Ross Associates
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  received U.S.P.S. letter # XXXX on XX/XX/2020. This letter contained a sworn affidavit, XXXX police report and federal trade commission report declaring my having been made a victim of identity theft. As of XX/XX/XXXX, XXXX  has neither removed the items nor offered me any correspondence regarding the matter. I have not been able to speak to a representative and I am suffering damage from their inept business practices and refusal to comply to FCRA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: NAVY FEDERAL CREDIT UNION
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  received U.S.P.S. letter # XXXX on XX/XX/2020. This letter contained a sworn affidavit, XXXX police report and federal trade commission report declaring my having been made a victim of identity theft. As of XX/XX/XXXX, XXXX  has neither removed the items nor offered me any correspondence regarding the matter. I have not been able to speak to a representative and I am suffering damage from their inept business practices and refusal to comply to FCRA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, 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:
Was not notified of investigation status or results, there is so many things that are not being reported accurate and some are also outdated. I have been contacting the bureaus since XX/XX/2022 and they just fail to respond or do anything about my situation, I am frustrated and need some help getting them to report ONLY accurate info on my credit. This last time its been over 30 days almost 45 days and no response. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TransUnion has no problem being in constant violation of the Fair Credit Reporting Act ( FCRA ). The rights that protect Victims from Identity Theft is and has been being ignored by TransUnion. TransUnion illegal acts need to be stopped, immediately. The Victims of Identity Theft are being ignored. The Victims of Identity Theft are being laid to rest to stay as Victims to those who have stolen their Identity. TransUnion is leading the way for these Criminals to continue to commit these acts of Identity Theft without anything being done by TransUnion. The Fair Credit Reporting Act ( FCRA ) of 15USC 1681C-1 ( FCRA Section 605A ), 15USC 1681C-2 ( FCRA Section 605B ), FCRA Section 609 ( e ), FCRA Section 615 ( e ), FCRA Section 605C-1,15USC Section 1681 ( FCRA Section 604A ( 2 ) ) means nothing to TransUnion. These same Acts that are in place to protect the public from Identity Theft are the same acts TransUnion are ignoring. The public will stay and be Victims of Identity Theft even with Legal and Verifiable Documents IdentityTheft Police Report and an Identity Theft Report from the Federal Trade Commission ( FTC ). When will this abuse of power and authority stop to be stopped by TransUnion?

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: MA
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
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 2017-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is being traded on the market under the XXXX XXXX with a closing date of XX/XX/XXXX baring a CUSIP number XXXX, and the securitization trustee who is the trustee for the security instrument has not been providing me with the financial information or the interest information for me to collect on my investment and my entire attempts to get this information from the securitization trustee has gone ignored and unanswered. Bank of America , N.A . ( a subsidiary of Bank of America Corporation ) and others are defrauding me and conspiring against me, the home has mortgage default insurance on it and as part of the mortgage security agreement that allows for it to be traded on the market, the mortgage default insurance is there to protect everyone and as I demanded in the notice dated XX/XX/XXXX sent under certified mail number XXXX addressed to XXXX ( XXXX XXXX ) for Bank of America , N.A . and received by Bank of America , N.A . on XX/XX/XXXX they are refusing to apply for the mortgage default insurance as required by the security agreement, they are now violating the trust agreement and this is security fraud.

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