BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax is reporting hard inquiries that I did not approve. it is fraudulent and I need them deleted immediately XXXX XXXX XXXX Address Date of inquiry XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX  Address Date of inquiry XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX Address Date of inquiry XXXXXXXX XXXX XXXX XXXX  OH XXXX XX/XX/XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/22 I got a letter saying that everything was verified do to them violating my rights these loans should b removed immediately with a accuracy credit score Violations.

1. ) 15 USC 1681 section 602 a state 's I have the right to privacy.

2. ) 15 USC 1681 section 604 a section ( 2 ) it's also States a consumer reporting agency can't furnish account without my writing instructions.

3. ) 15 USC 6802 ( a ) ( b ) ( c ) which state that obligation respect to disclosure of personal 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 2023-07-28
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 made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant XXXX and XXXX  distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

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 2018-05-14
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was sold from XXXX XXXX  to M & T Mortgage I was told it would be the same loan.Then Iam trying to make a payment before XX/XX/XXXX on XX/XX/XXXX and they will not accept it saying the send a demand letter and now have to pay the full amount by end of 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 2023-06-09
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-05-16
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:
Noticed an accounts on my report that is not mine 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 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2021-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital one has had my account closed for months for no reason I do not have a branch where I live I have XXXX in my account and they will not give it to me I been struggling because of them I called and called for almost 2 months straight and got no where this is honestly redicoulus they said there closing the account and I can withdraw my funds but its been months at 4 or 5 I was still XXXX when this happened my daughter is almost XXXX XXXX XXXX this is absolutely rediculous this has happen to alot of people with them they are taking peoples money. My grandmother has called them many times also to get removed off this account so they dont have to go thru her again I do not live near a branch

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I lost my job with XXXX. I applied for XXXX and my past due balance was approximately {$69000.00}. In order to qualify, my past due had to be under {$60000.00}. I called Shellpoint Mortgage XXXX and spoke to them and obtained their wiring instructions to send them money to get the balance under XXXX XXXXXXXX. I borrowed funds in the amount of {$10000.00}. Before sending the money, I confirmed with Shellpoint that if I did so, I would receive either a Reinstatement Letter and/or my next mortgage statement would reflect under XXXX XXXXXXXX. I was confirmed by XXXX different people that this would be provided. I had the money sent and then I received my statement and it showed approximately {$62000.00}. When logging onto Shellpoint mortgage it said Past Due Balance {$59000.00} but XXXX could not take that, they could only take the Reinstatement Letter and/or the Mortgage Statement. I called Shellpoint Mortgage to ask what happened and why, as promised, my Statement showed the higher amount. I was told that they filed with the attorneys for Foreclosure and that was their fees. I asked them if I could send them {$2500.00} and they would give me the Reinstatement Letter and I was told that they would accept XXXX funds from me and this was too bad. I feel like I was stolen from. I borrowed that {$10000.00} with the CLEAR intent that I would receive the Reinstatement Letter or Mortgage Statement showing under XXXX XXXX. I was approved for XXXX pending this letter. Now, month after month they have been adding the past due on ( which I understand ). This was to save my family home. What they did was wrong. I did everything I was supposed to do to save my home. Now I have been declined by XXXX to help because of this. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to bring to your attention several egregious violations that have greatly impacted my financial well-being, as well as my emotional and mental state. I am seeking your assistance in addressing these violations and enforcing my legal rights under various consumer protection laws. The violations have led to inaccurate and damaging information on my credit report, severely hindering my ability to access fair credit and financial opportunities. 

Specifically, I have identified the following violations committed by various creditors : XXXX - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX XXXX XXXX - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - Multiple Violations ( FCRA, FDCPA, FACTA ) Account Numbers : [ List Account Numbers ] These creditors have engaged in improper reporting, including accounts involved in litigation, incorrect high balances, inaccurate dates of last activity, reaged accounts, reinsertion without proper notice, undated late payments, charge-offs listed as open, and collection accounts with limits. 
XXXX XXXX - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX Furthermore, these violations have not only resulted in financial hardship but have also taken a significant toll on my mental and emotional well-being. The constant stress, XXXX and frustration caused by these inaccuracies have affected my ability to focus on my work, strained my personal relationships, and even hindered my overall quality of life. 

In light of the above violations and the impact they have had on my life, I kindly request your intervention in enforcing my legal rights. I implore you to investigate these matters thoroughly and ensure that the creditors in question rectify their actions. Specifically, I request that they promptly remove the unverified and inaccurate accounts from my credit report, thereby enabling me to regain control of my financial standing and alleviate the emotional distress that has resulted from their actions. 

I deeply appreciate your attention to this matter and your commitment to upholding consumer rights. I look forward to a resolution that will allow me to move forward positively, both financially and emotionally. Please feel free to contact me at XXXX or XXXX for any further information or clarification you may require. 

Thank you for your understanding and assistance. 

Sincerely, 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 2020-09-28
Company: Rocket Mortgage, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Quicken Loans had been taking our mortgage payments but not applying them to our loan or balance. They had intentionally misapplied our payments to a suspense account for over 13 months which reached over {$10000.00}. This caused us to pay interest on a higher balance than we should have, if they had applied the payments in an accurate and ethical manner. It took over 2 weeks of calling their office and eventually contacting the executive office to get the funds applied. However, Quicken Loans has yet to refund us for the amount we paid in interest due to their illegal practices. They also falsely stated to HUD that we were not paying our mortgage and that we were delinquent, which caused many issues in our process of buying a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My lender is ed financial. I submitted an application for work loan consolidation and the IDR repayment plan that was put in on back in XXXX and the company has been reviewing it since like XX/XX/XXXX. I have called numerous times and have been you know given the same journal response XXXX times will call you back. They have never called me back the one time I have been able to get a hold of them. Theyve told me that it has been in process by Ed financial since XX/XX/XXXX and that they told me it would be done by XXXX when the new student plans would be done. every time Ive called its just the same general weight response. I can not get any information out. I need to know what I need to do for the student loans and this company has just been a absolute shit show of customer service and how things are managed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were in a forebarance with previous servicer and finishing up paperwork for a partial payment claim when transferred to Carrington Mortgage. They took forever to get paperwork then took us out forbearnace without knowing and reported us late to credit bureau. I would like the late payments take off we were not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
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: Their investigation did not fix an error on your report

Complaint:
THERE IS A LATE PAYMENT ON MY XXXX XXXX ACCOUNT-XXXX IN XX/XX/2019 THAT WAS NOT LATE. XXXX  HAS IT CORRECT BUT EQUIFAX AND XXXX  SHOW THE LATE PAYMENT AND ITS HURTING MY CREDIT SCORES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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:
IN REGARD TO INACCURATE INFORMATION REPORTED ON MY CREDIT REPORTS, I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES. IN REGARD TO THE RESULTS, I NEVER RECEIVED ANY NOTIFICATIONS. IT'S BEEN OVER 30 DAYS NOW. I SUBMITTED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND RECEIVED NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: NC
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 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: In progress
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: In progress
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2022-08-29
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: 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

Company response to consumer: Closed with explanation