BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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 XXXX 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 records 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 alleged fraud or extortion. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-09
Company: EQUIFAX, INC.
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 

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 an 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 non-monetary relief
Consumer complaint received 2022-07-06
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Rounpoint Mortgage offered me a modified mortgage because of COVD. Almost 9 months ago they sent me paperwork to be notarized, my lawyer was my notary. I mailed this second batch of papers to Roundpoint. 
They lowered my interest to approx. 3 % and told me to pay {$1600.00}. They explained I had a lower interest rate and a 45 years mortgage after a 3 month trial. I completed the trial, as said I notarized the document requested. 
Every month since XX/XX/XXXX I have paid XXXX the {$1600.00}. They called every month up to XXXX XXXX when I made the XX/XX/XXXX payment. 
I am XXXX and am XXXX XXXX XXXX, I drove to our mailbox yesterday and received a letter from Rounpoint with a much higher monthly payment than promised. I called and a female transferred me over to XXXX who started yelling you dont answer your phone, we have been calling you. He was very mean repeating the above quote until I burst into tears. I do in fact keep contact with Roundpointnand made the XXXX Payment on the phone with a person who confirmed all is well, I am approved, all is finalized. 
During this conversation, I find in this giant escrow statement that the loan was no longer in Roundpoint hands. 
I called the new bank and they told me Roundpoint never finished all of this work. Rounpoint told me too bad, XXXX said the FHA did it, do you just want to keep venting? He then accused me of yelling I was just trying to convey to him that the new bank XXXX XXXX said Roundpoint did not do their job, we see paperwork but Roundpoint didnt file it I was lied to for over a year by Roundpoint XXXX they did not do their job as promised and have a fiduciary responsibility to complete what was promised and asked for a 2 documents, 1 was notarized and sent complete to them months ago. 
The new bank has the papers from Rounpoint and said they did not do the job, now I must start all over again. I am a very sick woman and cried all day, it is devastating me.Roundpoint did not finish and shocked me in fine print, within a giant escrow statement they sneak in a higher payment and a new bank, no name of bank provided. So, I have a new bank with a high payment and a boatload of lies and admonishments from Roundpoint that I dont answer my phone. Please help me, Roundpoint blamed me? Even though I speak with them monthly and was promised modification 7 months ago. The letter from them is attached, I just opened it today and was attacked by this bank.

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00}

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 2022-11-24
Company: EQUIFAX, INC.
State: AZ
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 unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need these accounts corrected or removed right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My wife XXXX XXXX purchased a XXXX XXXX XXXX XXXX. She purchased the Ally Financial Premium warranty as a part of her purchase which was included the financing. Her deductible is only suppose to be {$100.00} for covered work. Ally Financial is constantly balking at the deductible and wants my wife to pay more out of pocket for covered work. Ally Financial has tried to changes the terms of the agreement on several occasions. It seems more like a bait and switch tactic than an actual warranty.

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 2019-11-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting harassed by IQ Data international. They call me constantly saying I owed some debt from my previous apartment. I contacted the apartment complex and they said I did have an outstanding balance, however they did not know who this company was. 
I then explained to them that in the state of California, it was illegal for them to charge me for general maintenance which is what I was being charged for. They agreed and stated I did not owe the balance. However, this company continues to harass me and now they are taking up a collection on my credit. They are an immoral and vicious company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 2023-12-13
Company: EQUIFAX, INC.
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:
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.

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: In progress
Consumer complaint received 2022-07-06
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: Account information incorrect

Complaint:
Fair Credit Reporting Act 15 U.S.C 1681 Section 616 ( A ) ( 1 ) ( A ) Civil Liability for willful noncompliance {$1000.00} per violation Section 623 ( A ) ( 1 ) ( A ) Reporting information with actual knowledge of errors Section 623 ( B ) ( 1 ) Reporting information after notice and confirmation of errors Section 611 ( 2 ) ( A ) Procedure in case of disputed accuracy Section 611 ( 5 ) ( A ) Treatment of inaccurate or unverifiable information 15 U.S.C SECTION 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


I sent in a dispute to Transunion for XXXX XXXX child support account # XXXX because after pulling my credit report I instantly recognized incorrect information. Transunion stated they VERIFIED the Information as accurate I have highlighted all in accuracies. FIRST Violation.Date opened is incorrect XX/XX/2015 is not the correct date. SECOND VIOLATION. Balance owed is not $ XXXXTHIRD VIOLATION Date of last activity is also incorrect XXXX.FOURTH VIOLATION.. Last payment is also incorrect you're reporting a last payment date of XXXX FIFTH VIOLATION..payment amount is also incorrect it is not $ XXXXSIXTH VIOLATION.. you're also reporting late payments on my credit report which is also against the law ... ..After doing my own investigations I have enclosed supporting documents of verifiable correct information.. side by side views of 3-Bureau credit reports. correct balances and last payment... please pay {$1000.00} per violations due to your inaccurate reporting I have higher insurance premiums, unsuccessful job applications, security deposits for utilities.. please pay and delete. Transunion has violated multiple laws when it comes to an account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
TRANSUNION has failed to exercise their GRAVE DUTIES under the FCRA and has not conducted themselves with respect to the consumer and FCRA. TRANSUNION has stated that it has verified information on my consumer report when I did not request any verification I requested TRANSUNION opt out of reporting the requested accounts under 15 USC 6827 as a financial institution as defined under the gramm leach bliley act. TRANSUNION has responded with the accounts have been verified. I NOW DEMAND under 15 USC 1681i and under definition of INVESTIGATIVE REPORT that TRANSUNION provide me NAMES AND ADDRESSES OF ALL PERSONS INTERVIEWED PERSONALLY IN ORDER TO VERIFY INFORMATION. IF TRANSUNION CAN NOT PROVIDE ME THIS INFORMATION I DEMAND THEY DELETE THE REQUESTED ACCOUNTS IMMEDDIATELY.under 15 USC 1681i

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 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been a victim of identity theft.

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 2023-06-29
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:
I have tried to get the credit bureaus to remove The XXXX XXXX Bank. I have no clue who this belongs to. I have never received any mail or anything from them and the credit reporting agency protects them. They treat me like Im lying, because they always protect them to remain on my credit report. Ive tried time and time again to get it removed. There was never any purchase or anything so I dont understand why they are determined to keep fraud credit off peoples reports. But instead they only listen to the business not the consumer.

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 2023-06-29
Company: EQUIFAX, INC.
State: NY
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:
PLEASE REVIEW MY FILE. I HAVE BEEN SENDING THIS COUPLE OF TIMES NOW AND YOU SAID TO SEND THIS COMPLAINT TO CFPB AND CREATE FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Please see emails attached. I was sent an email on XX/XX/XXXX to sign up for Auto Pay. I signed up for Auto Pay and received a confirmation email on XX/XX/XXXX. On XX/XX/XXXX I received an email that my Auto Pay was cancelled. I called an spoke to three different people that reassured me there was a glitch in the system and everything would be correct. I asked them to send me a confirmation email that my interest rate would be at .25 % and they reassured me it would be correct after XX/XX/XXXX. They showed on their end three confirmation emails that my Auto Pay was set up correctly and confirmed there was something wrong with their system and to ignore the cancellation email. I signed up for Auto Pay again on XX/XX/XXXX. A payment was made for {$12000.00} on XX/XX/XXXX, but my account does not reflect that. I was cancelled again, but was never sent an email. I set up Auto Pay again on XX/XX/XXXX and received another confirmation email, but my interest rate does not show .25 %. I was assured over the phone that their system was having issues and everything would be correct after XX/XX/XXXX. It's not, my interest rate is 3.86 % on 4 loans and 4.66 % on 2 more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
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:
They say I have negative balance when I had over XXXX $ a day before

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 2023-09-05
Company: Chime Financial Inc
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received emails the last week of XX/XX/2023 saying that I had set up a Chime bank account, set up direct deposit under a band account number I do not recognize, and a XXXX XXXX XXXX  was opened and sent to my address. I assume this is a case of identity theft since I did not do this. I was able to close the Chime bank account, but I am now a victim of identity theft. I assume someone used my personal information to do this and want to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORTS. 
THESE SAID AGENCIES HAVE NOT CORRECTED THE FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with explanation