BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have not received any information on how you have verified the erroneous information and alleged account attached in Exhibit C. Therefore, I request that you consider this as a final notice to your offices. Beyond this point, the CFPB will have authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ****** ( copied from the affidavit attached. ) ******

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 2022-02-22
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was wrongfully sent to collections due to management 's gross negligence and unethical practices. I should have never been reported to the collections company, XXXX XXXX. My insurance company, XXXX, paid XXXX 's XXXX  XXXX ( XXXX XXXX XXXX  ) for their claim. It is inappropriate and unethical to file a claim on someone's insurance and then send them to collections without any follow up. They have destroyed my credit. 

XX/XX/XXXX, XXXX Moved out of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX XXXX TX XX/XX/XXXX, XXXX XXXX XXXX XXXX  reported a loss to my insurance XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened a collections account against me with Hunter Warfield ( Account # XXXX XXXX ) for {$2800.00}. 
XX/XX/XXXX, XXXX XXXX settled the claim and paid XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX assured me that the entire debt will be cancelled with Hunter Warfield . 

Management is refusing to provide copies of all bills communicated to me after XX/XX/2021 or an itemized bill that was assessed for the alleged damages. 
No one contacted me or sent me any form of communication that I still had a balance pending. 
No one cancelled the collections account in XX/XX/2021 when the balance was paid in full by my insurance. 
Today this account is still being reported against me on XXXX with no updates since XX/XX/2021. 
Not only has this issue affected my ability to refinance my vehicle, apply for a mortgage, but now it is affecting my ability to get a rental home. 
Enough is enough, this has gone on far too long and caused incredible hardship affecting me and my daughters. 
XXXX confirmed that the negative item that denied my application is Hunter Warfield ( Account # : XXXX ). 
I don't have 30 days for XXXX to review my dispute and make a decision. this needs to be completed deleted, i should have never gone to collections. I need to find a home for my children within the next 7 days or I will lose my pending job offer! I can't apply to any rental properties till this item is off my credit report. No one is taking responsibility for this egregious oversight that has been detrimental to my life and lives of my children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: Select Management Resources, LLC
State: PR
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
As well all know, Borinquen Title Loans ( BTS ) is a company that provides secured loans where borrowers can use their vehicle title as collateral. Borrowers who get title loans must temporarily surrender the hard copy of their vehicle title, in exchange for a loan amount. When the loan is repaid the vehicle title must be returned to its owner. At the time I signed the contract, I was told that mailing the vehicle title would be option for me to get back said title. For my surprise, once I repaid the loan, I called BTS and I was told that I no longer have the option to get the vehicle title back by mail. As a result, I am prevented or, at minimum, limited in obtaining my vehicle title in return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: PR
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:
On XX/XX/XXXX I submitted An investigation With XXXX Equifax And XXXX for the Account XXXX Credit Card with account XXXX # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX By XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. 
Please kindly assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 initiated 2 complaints ( XXXX ) to Transunion about a home improvement loan that they state in their report was not paid /has an outstanding balance from XXXX ( account ending in XXXX ) stating that in the month of XXXX a loan was paid is full from the proceeds from the sale of my property XX/XX/XXXX ( XXXX vittum hill rd.sandwich n.h. XXXX ) There is actually a zero balance on the disputed XXXX account as stated in other credit reporting bureaus.I also have contacted greensky who sent me a letter dated XX/XX/XXXX stating there is a zero balance on acct ending in XXXX, this letter was submitted to transunion for whatever reason they choose to ignore the FACTS.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: FL
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:
After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 attached an FTC report with a fraudulent account and fraudulent inquiries

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 2023-04-29
Company: Zions Debt Holdings
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the number on my XXXX account 3rd party debt collection. Told the representative this account wasnt mine and that I have no knowledge of this debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Rocket Mortage LLC was offering a promotion using XXXX XXXX to deliver the message to its customers. I received an email from XXXX XXXX stating that as an XXXX XXXX customer if I closed a conforming mortgage loan with Rocket Mortgage by XX/XX/XXXX that I would receive a statement credit of XXXX to my XXXX XXXX XXXX 8-12 weeks after closing occurred. I closed my loan in XX/XX/XXXX, so I was definitely eligible for the credit. I initially emailed on XX/XX/XXXX just to confirm with the loan processor that I expected the credit before we continued to proceed with the loan. The fact of the matter is I would have gone elsewhere for my mortgage needs and had a lower rate had it not been for this promotion. The property needed work and I was looking forward to the statement credit to help with those costs. When I didn't receive the credit, I inquired with my loan processor at Rocket Mortgage again XX/XX/XXXX as to what had happened, and he stated that it was applied as a lender credit to my closing costs. That is an EXTREMELY shady business practice since lender credits are typically given by the lender in exchange for a higher interest rate. NONE of that was communicated to me, nor was I given the option to choose in which manner I wanted to receive my XXXX. Nor did the promotion read that that was an option at Rocket 's discretion. I have all of the emails exchanged where my loan processer tried to give me the run around and a bunch of reasons that didn't jive with the promotion to cover his back. Basically, they created a win-win situation for themselves ; they get the customer roped in under a promotion where they never actually give anything, they just give you a credit while charging you a higher rate. The entire offer is for an XXXX XXXX XXXX, nowhere does it mention a lender credit. I didnt receive that, nor any mention that I would never receive it. I have attached the terms and conditions of the offer as provided to me by XXXX XXXX on behalf of Rocket Mortgage as well as my correspondence with Rocket Mortgage in regards to the treatment of my credit. Needless to say XXXX XXXX at XXXX never gave me the items I specifically asked him to provide numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-22
Company: Client Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They call me at least 3-5 times a day and I have repeatedly asked for written communication only and debt validation. The call from all different numbers and call me and my family several times a day. They have use abusive communications and threatened me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$20000.00} ; 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 2022-02-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I called XXXX XXXX a week ago, XX/XX/XXXX, and somehow got through to speak to a live person, which today I have not been able to do. I sold a home in XXXX, and they are showing the mortgage as Open with a zero balance. I am trying to rent a Section 8 senior apartment, and HUD is accusing me of misrepresenting my assets and potential liabilities, which is holding up the entire application. This is the letter I sent to them this morning through their contact page. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: JPMORGAN CHASE & CO.
State: FL
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:
My credit report is showing a 30 day late payment for a car payment with Chase Auto Finance. However, it was the time the car was traded in at XXXX XXXX XXXX. This must have been a bank error to write off the check for the remaining balance. Now I am paying for XXXXXXXX XXXX repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX  XXXX XXXX {$270.00} XXXX XXXX XXXX {$500.00} XXXX  XXXX  XXXX XXXX XXXX {$11000.00} UNIVERSITY XXXX  XXXX XXXX  XXXX {$580.00} XXXX  XXXX UNIVERSITY XXXX  XXXX {$75.00} XXXX XXXX  UNIVERSITY XXXX  XXXX {$980.00} XXXX XXXX UNIVERSITY XXXX  XXXX {$0.00} XXXX XXXX UNIVERSITY XXXX XXXX {$0.00} XXXX XXXX UNIVERSITY XXXX XXXX {$0.00} ATRIUM XXXX UNIVERSITY XXXX XXXX {$0.00} XXXX XXXX UNIVERSITY XXXX XXXX {$0.00} XXXX XXXX  UNIVERSITY XXXX XXXX {$0.00} XXXX XXXX  XXXX {$130.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I originally opened my card in  XXXX    XXXX   and they granted me a {$1500.00} credit limit. That was very low at the time so I contacted them and asked if they could increase it. They said that I had to wait  six months and  that at that time they would review my account for an increase and most likely I would  qualify due to my high income and excellent credit. It has now been six months and I called them to increase the line and they once again refused to increase the line but did not give me a reason why. They then tried to coerce me into keeping my account for another six month s in order to potentially have the limit increased. My other credi t cards range from 10,000 to 20,000 credit limit but this card is only 1  500. Citibank lied to me   when I opened the account stating that if I kept the account f or six months that I would be eligible for a limit increase. I then told them to close my account and they transferred me from representative to representative trying to avoid closing my account. I asked them five different times to close my account and the account is still not close d. I would either like the account permanently closed or the limit increased to at least {$5000.00}. I have never been late on any of my payments, I keep my credit limit below 20 % of the limit, and I pay the card in full every month.

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 2017-05-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax has reported that a  XXXX  credit card account that I have was closed. This account is still active.This has caused my credit score from Equifax to drop over  XXXX  points. I have tried to resolve this issue three times with Equifax but the only result is that my score goes down each.  XXXX  has updated and correct information on my credit credit report if they would like to compare.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX / XXXX / 2017   XXXX  from USSA called and left threatening voice-mail that if I did not contact them within  24 hour s to pay a debt they would be deducting my wages. When I called them back they claimed to have been lawyers hired by original creditor to collect a past due debt. Claimed if I paid right now they could settle for less than half the amount owed. When I asked for the original creditor 's phone number so I could verify their information, they gave me a false number. I did get the correct number on my own and they put me in touch with the correct collection agency who let me know the people who were calling me were trying to scam me out of money. They were not hired by original creditors or the collection agency handling my account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation