BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2021-04-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed theres an account thats not mine and were never late. I sent a dispute letter in regards to XXXX EQUIFAX and XXXX on XXXX and XXXX asking that it be removed. Please note response should have been provided by date XX/XX/2021. I have not received report and XXXX  EQUIFAX and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced with QuickenLoans/Rocket Mortgage back in XXXX of XXXX. When we refinanced we were incentivized by the low interest rate and the monthly payment going down due to economics at the time. 

Our monthly payment at that time was roughly {$1700.00} at that time and has been that since we switched to Rocket Mortgage. However, they just sent over an escrow analysis and they miscalculated our escrow for the year of XXXX by almost 10x the amount as they estimated {$480.00} in county taxes but those taxes were actually more than {$4000.00}. We are now being asked to cover the deficit in our escrow account as well as cover the difference for next year 's escrow payment. This is causing our monthly payments to increase by nearly {$800.00}. Rocket Mortgage has been essentially a stonewall when it comes to discussing this issue and not accepting any accountability for the mistake in our escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: KY
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:
Missed payments reported because of the ic storm in texas shut down the payment XXXX XXXX is showing missed on all 3 credit reporting agencies..multiple call and letters and disputes still not corrected..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are saying I owe {$1800.00}, and the original responsibility of the debt is split between 3 people but the collection agency would not allow me to split the payment. They also continuously call during work hours when we have told them several times not to do that. If they dont contact me personally, they will contact my significant other and harass her with calls. They were repeatedly harassing me about my stimulus money, which I never received. I asked for a debt validation letter and they refused to give me one. I still have not received it. When I asked for it, I was treated very rudely on the phone and they quickly hung up. They absolutely refused to reduce the balance or make a payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EdFinancial Services
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have had MULTIPLE problems getting in contact with EdFinancial. First, I was not able to create an online account to see my actual balance and interest rate until the last week of XXXX, despite receiving a notification to create an online account in XXXX. This prevented me from performing certain financial planning until the last second. 

Second, I signed up for auto pay when I finally got access to my account. They failed to implement the change and provide the .25 % discount. 

Third, I believe the interest rate is incorrect. I have unsubsidized federal XXXX XXXX that are listed as XXXX XXXX  ( they were taken out between XXXX and XXXX ). I believe the correct interest rate is 6.8 %. 

Fourth, I submitted a certification to change my income based repayment plan from XXXX to XXXX. I received a letter stating that I must call XXXX to confirm the change. The letter only provided a phone number. I have called numerous times and have been able to speak with them. I have opted for the call back and have not received a call back. They may have attempted to call me once, but I was not able to answer the phone at that moment and they did not leave a voicemail. It is impossible to speak with anyone about my account. I wrote them an email through their website on XX/XX/XXXX and have not received a response.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to 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 non-monetary relief
Consumer complaint received 2023-07-04
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXXXXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$7300.00} ; XXXX XXXX Owed : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX BalanceOwed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, my vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was parked on XXXX XXXX and hit by another vehicle. When I came out no one was around and my vehicle was crushed. I immediately contacted both XXXX XXXX and XXXX XXXX. My vehicle was deemed a total loss by XXXX. My auto loan contained a gap waiver and was covered by XXXX insurance and both payments were issued to XXXX XXXX for the full price of the auto loan. 

However, XXXX XXXX has continued to charge me $ 473 monthly for a vehicle that has been totaled out and paid for. As of today XX/XX/XXXX, they have accumulated charges to the sum of {$4800.00} dollars. I do not owe them this money. XXXX paid them and the Gap waiver paid the balance.

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 2021-04-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been the victim of identity theft. The offender used my credit to make alot of inquiries and open up fraudulent accounts. These are the inquiries : XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX/ XXXX XXXXXXXX/ XXXX- XX/XX/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 2023-06-13
Company: EQUIFAX, INC.
State: NV
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-23
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After refinancing my home, my loan XXXX {$390000.00} XXXX was sold 3 times after closing at the end of XXXX XXXX. Planet XXXX XXXX sold the loan to AmeriHome Mortgage XXXX XXXX, XXXX. Per my escrow instructions I sent my first payment for XXXX XXXX, XXXX to Planet XXXX XXXX in the amount of {$2600.00} XXXX {$1500.00} in payment plus {$1100.00} extra towards principle ). This lowered my balance to {$380000.00} which Planet XXXX XXXX transferred that balance to AmeriHome on XXXX XXXX, XXXX. Unfortunately AmeriHome shows a starting balance of $ XXXX and I am not given credit for that first payment of {$2600.00} sent to Planet. They constantly send letters and phone calls stating I am in the rears. 

I have reached out to AmeriHome XXXX times and spent hours trying to resolve this to no avail. I have sent copies of my canceled check, an activity statement from Planet which states the transfer amount of {$380000.00}. I also sent a copy of a letter from Planet stating the XXXX XXXX, XXXX is the date AmeriHome will be servicing my loan. I am at my wits end and hope you can help me resolve this problem. I will be attaching these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Unauthorized- Please delete immediately as I did not give anyone my written permission to pull my credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Allegiant visa signature card received an application for pre-approved credit. The property was taken and I got nothing in return. Bank of America has opened an account ( # XXXX ) in my name without my consent and denied credit, which is identity theft, restraint of trade, Misappropriation of funds and unjust enrichment. Furthermore, banks can't use credit reports based on privacy rights. I demand the bank to discharge credits to the United States Treasury for my redemption. 
Interest and money are due to me. Set off discharge dollar per dollar of application preset in honor and good faith.

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 2023-11-29
Company: EQUIFAX, INC.
State: TX
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:
i sent certified letters to XXXX, XXXX, and equifax, stating that they are specifically in violation of federal law 15 USC 1681b ( 2 ) and 15 USC 1681c-2 ( a. they have not responded in the appropriate time and this matter is affecting my daily being

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are two unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible please. I have already taken action to prevent anyone else to try and open anything under my social security number.

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 2020-07-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our loan was paid off in XX/XX/XXXX. On XX/XX/XXXX, our regular monthly payment was debited from our bank account by Rushmore Loan Servicing in error. We called on XXXX to get a refund and was told that it would be sent out ASAP. That was a lie. We never received anything and I called again on XX/XX/XXXX. I was told they needed proof of funds from our bank statements. While that doesn't make any sense, I did it anyway in an effort to expedite the process. The gentleman I spoke with said it was approved, checks are cut on Fridays and mailed out, so I would be receiving the check the week of XX/XX/XXXX. We never received anything. I called again today, and after being transferred to about 5 different reps, I was told that the first check needed to be voided, which takes 5-7 business days, and then a new check would be sent out. This means after being paid in full for a loan, Rushmore has stolen {$2500.00} from my family for over 4 weeks with no end in sight. I have no confidence that this money will ever be seen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On credit reports I never worked for XXXX XXXX I never worked for XXXX XXXX My name is NOT XXXX XXXX XXXX My name is NOT XXXX XXXX XXXX I NEVER had the addresses XXXX XXXX XXXX XXXX XXXX WA XXXX I NEVER had the addresses XXXX XXXX XXXX XXXX  XXXX XXXX WA XXXX I do not have any account with XXXX XXXX  Open I NEVER HAD any account with XXXX XXXX. EVER IN MY LIFE

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 2023-09-04
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
A previous complaint was submitted under XXXX. 
On XX/XX/XXXX at XXXX, I went to a local XXXX XXXX to fund my Bluebird prepaid card. Shortly after at XXXX, I was notified via email that my account has been temporarily suspended. I called the number on the email at which the customers service representative told me that they can not provide a reason why my account is suspended. From this point, I did not have to access to my funds of which is used to pay for vital services such as rent, utilities and medical bills. The only recourse was to write a letter to Bluebird to ask why. I was also told that they will review my account and get back to me within 1-2 business days. The dire need for my funds was not met. On XX/XX/XXXX at XXXX, after not receiving notification within the 2 business day window, I called Bluebird. Shortly during the call at XXXX, I received and email stating my account is permanently suspended. Access to any of my funds is completely locked. I requested access to my funds only to be told I had to write a letter to beg for my funds to be returned to me. At the time of this complaint I had at least {$3000.00} in this account. 

On XX/XX/XXXX, the complaint was referred to OCC. 
On XX/XX/XXXX, OCC in turn has advised me that CFPB has oversight over this matter. I am once again re-submitting this complaint to seek recourse from Bluebird via the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Sequium Asset Solutions, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Continually receive calls from Sequium declaring an attempt to collect debt. They wont say what the debt is for or give a name of the person they looking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: U.S. BANCORP
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/23 someone that had a copy of my drivers license went to a US Bank and opened a business checking account. That person whom posed as me did not have more than one form of identification, had a signature that did not match mine. US Bank was negligent and did not thoroughly check for identity. They linked this fraud checking account to my HELOC and my own checking account. On XX/XX/23, {$31000.00} was transferred out of my HELOC account and multiple transactions were made to take money out of the account over {$9000.00} has been withdrawn from my accounts. I have filed claims with US Bank. They told me it would take at least XXXX to XXXX weeks to have that money back in my account. I really need the money back in my account to pay for my bills and also being charged interest and late fees with multiple billers.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
the below accounts are not mine and should be 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 non-monetary relief
Consumer complaint received 2023-02-11
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:
I spoke with XXXX on XX/XX/XXXX about the credit bureau reporting high credit utilization on XXXX, Experian and XXXX and was told the FCRA has contacted theses inaccurately reporting on my credit file. I want this escalated to get this from wrongfully reporting high utilization whi score. This is financially effecting me from moving and getting a new place to live. I don't know what else to do but file a legal action with federal court or the XXXX  against all parties.

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