BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I am a victim of identity theft because I have been XXXX for the last 10 years and it is no way I am opening accounts and leaving them delinquent if I am in XXXX. Someone is taking advantage of my situation and I would like all negative/fraudulent accounts listed be removed from my consumer report per 15 US Code 1681c-2 Block of information resulting from identity theft. Also according to 15 US Code 1681e-Compliance procedures ( b ) Accuracy of Reports states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' They have not been reporting accurate information. Also, 15 US Code 1681b-Permissible Purpose of Consumer Report states that without my written permission no one has the right to report anything on my behalf and I NEVER gave these 3 companies written instructions. Please remove these items 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 2023-01-13
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage is trying to force me into paying for an additional home insurance policy that I don't need as well as force me into setting up an escrow account. I have already supplied them with documentation that I already have an insurance policy ( see attached ), but they still want me to charge me an additional {$2800.00} for an additional policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX Reported my heloc payment for XXXX as a 30 day late when it was not. Due to incorrect information on their web page the payment sent was {$63.00} short ... .I immediately paid that amount when I found out but still reported me late. I want that derogatory mark removed asap ... 

# 2 and far more important my payment due date is XX/XX/XXXX tomorrow ... I just went on line to pay and the account is GONE ... .I called XXXX and was told The servicing was sold to a company called XXXX XXXX XXXX XXXX . 

I was never notified by XXXX XXXX XXXX or XXXX ... ..I believe there are laws protecting the consumer in this situation. My understanding is by law I should been notified at least 15 days prior to the sale date ... .I have not notified by anyone and If I did't call I wouldn't know..I now do not know where to send my payment and am sure after reading the horrible reviews on XXXX that I will be put in a compromising position due to no fault of my own .You must have read the on line reviews and fielded many complaints. HOw can this company still be operating? 
1. I want the derogatory remarks from XXXX  removed immediately 2. I want to know what remedy I have under the law for not being notified of this transfer ... this has to be illegal If I have not been notified. 
3. I want to know what protection I have as I do know where to send my payment which is due tomorrow and from the reviews I read about XXXX they will still report it late due ti know fault on my part Thank You and PLEASE help help me 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 2018-10-28
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Let me tell you I am not well educated on mortgages 1 interest rate was increased dfrom that first time offer 2 after final approval they extended that loan to loose my Rate extension, and past my dwellingins, trying to push avoid my contract.

3 they trying to avoid to take my XXXX dollars down payment. 
Loan officer XXXX XXXX told those XXXX need to put after my My first payment toward interest. Record of this call exist 4 then XXXX XXXX yell and try to stop my loan Then he told that differences on my mortgages With XXXX dollars Down will be only XXXX dollars a month, record of this call.

5 they have been pushing this loan over the date to make my rate expire I do really need help with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my capital one cc ending in XXXX on XX/XX/18 the date it was due before XXXX I was charged a late Fee of {$25.00} for late payment after XXXX XXXX   even though I paid on time!!! 
I paid other capital one cards the same day same time and had no problem I am ell aware of the cut off time I asked two different reps To overturn the late fee, and they would not do it. 
This late fee is hurting me, as it is as much as my monthly payment! 
Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: IL
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 BEEN CONTACTING XXXX, EXPERIAN AND XXXX FOR MONTHS NOW TRYING TO GET INQURIES, COLLECTION REMOVED FROM MY CREDIT REPORT. THEY TOLD ME THAT THEY WERE GOING TO REMOVE THE XXXX PLUS INQURIES AND THEY HAVE 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 2022-03-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-09
Company: CITIBANK, N.A.
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:
Hi, My name is XXXX XXXX under my XXXX  credit report it is allowing MACYS/DSNB under the account # XXXX to report a delinquent account that doesn't belong to me and isn't mine on XXXX  credit report. I have a FTC report # XXXX that I filed with the FTC about this debt and account being not rightfully mine however XXXX continues to unlawfully allow this account to exist on my credit report even after I have reached out to them on multiple occasions as well as requested how this information was verified as accurate when it is not mine and they fail to fix, or respond to the 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 2019-08-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX at XXXX XXXX and on XX/XX/XXXX at XXXX I received 2 text messages on my phone about my credit report being unlocked for 49 minutes! When I call the representative from Equifax He stated to me that they have no record of my credit report ever being unlocked! If you view the screenshot below You will see the to text messages that I received from Equifax on my phone stating that my account was on unlocked for 49 min then locked back at XXXX XXXX! I will take Legal action unless Equifax Can reach a settlement agreement! I feel this will be fair! Because no one should be allowed to access your credit report when it's locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have contacted all three Credit Bureaus/Agencies ( XXXX , XXXX, TransUnion ) and the Creditors ( XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX XXXX  XXXX , XXXXXXXX XXXX XXXXXXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

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 2022-11-16
Company: EQUIFAX, INC.
State: PA
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 15 U.S.C. 1681 section 604A section 2 It also states a consumer reporting agency can not furnish a account without my written Instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681 section 602 A states I have the Privacy 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting containing any of the following Items of information any other adverse item of Information other then records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-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 resonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: NY
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 a number of inquiries on my credit report that were not authorized by 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 explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: NY
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 a number of inquiries on my credit report that were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: JPMORGAN CHASE & CO.
State: IN
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 noticed multiple hard inquiries on my credit report from XXXX XXXX XXXX although I had never applied for credit with them. When I contacted them, I was told that they had received credit requests but my personal information was unverifiable so the accounts were not approved. They indicated to me that his was identity theft, as a result of online purchases with XXXX. I sent a letter to XXXX XXXX, XXXX requesting that the unauthorized inquiries be removed from my credit report but they were not removed. The dates these unauthorized inquiries appear are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has had a negative effect on my credit score with XXXX  for nearly two years!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: MI
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 XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXXXXXX {$5400.00} I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: AL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Santander Consumer USA Inc not only allowed someone else to obtain an auto loan in my name, but they REFUSE to cooperate with law enforcement or the FTC to remove the fraudulent account from my report. They are rude to me every time I call them, and one of their " fraud specialists '' told me that it was probably my fault that my identity was stolen, because people leave their wallets laying around all the time. They have made absolutely no effort to help me resolve this, all they do is lie and scam. They just agreed to pay {>= $1,000,000} in a lawsuit for subprime lending and shady lending practices. I think it's time they answer for letting people fraudulently open auto loans in other people 's names and refusing to co-operate with the law and FTC to get the accounts removed from the identity theft victim 's credit reports. Luckily, XXXX  has been great and removed the account, which is obviously fraudulent. XXXX  and XXXX  will not remove the account until Santander does their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below and delete these immediately : XXXX XXXX COOP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD ) XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX XXXX  XXXX  SERV ( Original Creditor : XXXX  BANK ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: MILLENIUM HOME MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on an FHA loan in XX/XX/2014. Prior to closing, I was provided with the INCORRECT PMI disclosure statement, which advised that MIP/PMI would eventually be eligible for cancellation. I understand NOW the guidelines of FHA, and understand MIP can not be cancelled on this loan for the entire life of the loan, due to closing LTV. However, I would not have closed on the loan if I were provided with all of the details prior. I consider this " bait and switch '' and " predatory '' lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX XXXXXXXX I submitted a letter to the Consumer Financial Protection Bureau about the late reporting error being reported by the creditor, XXXX XXXX XXXX 

According to their response, my XXXX payment was 19 days past due as of XX/XX/, but on XXXX XXXX XXXX they reported my XXXX payment as 30 days late, which reflects their error in reporting. 

According to the payment report they submitted to the Consumer Financial Protection Bureau, my payment was made on XX/XX/, and was 10 days late. 

Not only did they report my payment as being 30 days late, but the error in their reporting caused my credit score to drop XXXX XXXX 

On XXXX XXXX XXXX I submitted a reporting dispute with the credit bureaus, Equifax, XXXX, and XXXX to have their error corrected and on XXXX XXXX XXXX XXXX XXXX XXXX updated my credit file to reflect my XXXX XXXX XXXX XXXX  payments as " unknown '', added my current payment status as " 30-59 days late ' and added a note on my file which reads, " affected by natural disaster '' which this inaccurate reporting caused my score to drop even more. 

The erroneous information remains on my credit report in violation of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: Retail Merchants Associates
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/2018,,, Continuting, Important Imformation About These Matters,, ( Wells Fargo Bank ),,, Have Not Fixed Any Of The Problems,, This is So UnAcceptable,, ( Previous ) Matters, And, Future Matters,, Have Not Received Any Settlement Payments Yet,, This So Overrated,,!!!

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 2020-08-22
Company: BARCLAYS BANK DELAWARE
State: SC
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 a loan with BRCLYSBANKDE, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, BRCLYSBANKDE, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

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