BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
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:
Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that this account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX  XXXX XXXX Balance : {$1000.00}

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 2022-09-09
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is still on reports. This was opened in 2015. It is also a family members debt, not mine. Any and all services from this guy were paid in FULL. I have several family members with the same last name that use this dentist. Also, any and all balances were covered by my insurance at that time. I was in college and I paid yearly to have it. My portion was paid. It is NOT my problem if he didnt get paid xyz from insurance. If in fact that is even the case. That office has been known to double bill and claim insurance isnt covering etc. when in fact, they are covering services. I do not owe this bill!! Ive tried repeatedly to resolve with no success. On top of that, it shouldnt even be on my reports at this point its over 7 years old!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a vehicle with Ally Financial from XXXX XXXX. During this time, I NEVER missed or had a late payment. When I returned the vehicle, they billed me {$510.00} and automatically took out {$280.00} from my account without my approval. When I called to get an explanation of the charges, whomever I spoke with told me that the {$280.00} was for a security deposit, which was never stated on the invoice. I then asked my dealership if they had any idea what this was for, and they told me to not pay anything until they could speak with them. Unfortunately, this was now XX/XX/XXXX, right when everything was shut down because of covid. I didn't hear from Ally or my dealership for over a year. Ally started calling again so I asked them to send me an invoice stating what I owe and why and then I would pay, but they never sent any documents. Eventually, they sent me to collections in XX/XX/XXXX. I paid the collections right away. I then called Ally to dispute the 'late payment ' they have reported to the credit bureau XXXX They refuse to remove the report even though they have on file that it says the invoices were sent to the wrong address. To add to this, they are saying that as of XX/XX/XXXX I still owe the remaining balance, even though I paid the collections bill on XX/XX/XXXX. I called the collections company to confirm and they said that it is paid in full and they will be sending it off to Ally as a dispute. Ally has reported a late payment for XXXX and XXXX, even though this was paid in XXXX! I have been extremely disappointed throughout this entire situation. Not only did they send the documents/invoices to the wrong address so I could never pay the balance, but their system also has still not updated the paid-in-full balance. I still believe the report should be removed, especially given the fact they have yet to update their system for the paid balance. This is one of the worst and most unprofessional situations I have dealt with.

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 2023-10-09
Company: EQUIFAX, INC.
State: GA
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protects me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Also, this company violated 15 USC 1681a ( 2 ) ( b ) which states that a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

An exclusion means that is it not supposed to be on there. Additionally, a credit card is defined in the Truth and Lending Act q5 USC 1602 ( l ) - the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card is referring to the fact that my credit card or social security number in this context was used when I did business, because my social security number was used to extend credit to myself in this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: NM
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. 

Account name : 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 non-monetary relief
Consumer complaint received 2018-04-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I called each of the credit reporting companies on Monday XX/XX/XXXX and asked customer service about removing unknown inquires, XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I was told there was nothing I or they could do other than wait the time to them to remove them selves unless I could provide proof I did not know who the companies were. I asked how I could prove something I did not know about. They said that is why I had to wait for it to fall off.

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 2022-09-10
Company: Experian Information Solutions 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 
4. The following status is Incorrect and unverifiable XXXX XXXX XXXX Account Number : XXXX Delete this account. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 8. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX, LA XXXX 13. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it 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 2023-06-29
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I suffered a total loss on my primary residence due to Hurricane Ian. As a result, I spent all of my savings, took out retirement, and maxed out my credit cards because my insurance company went bankrupt. The banks are refusing to give me a forbearance or any sort of deferment and have reported to the agencies that I do not pay my bills. They have charged off my debt and have significantly destroyed my credit. They are unwilling to work with me. This is not my fault. Currently, rocket mortgage is threatening to put my house in foreclosure WITHOUT NOTICE ... .the home that I can not live in. I have always paid my bills on time and now have to file bankruptcy as a result of a hurricane and the lack of regulation of insurance companies in the state of Florida. I am paying a mortgage on a home that is condemned in addition to a mortgage on a rental property and rent for myself if I can afford it.I have been living in hotels. I have been living in a car l. I have a salary of {$11000.00} a year and I'm currently homeless because I make too much money to benefit from federal or state programs. My house is condemned and unsafe and I have been unable to see my child since XXXX. I do not need additional financial hardship as a result of an act of God and the lack of regulation by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/23. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXXXXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$720.00} XXXX  XXXX Balance : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$24000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$33000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 REVIEWED A COOY OF MY CREDIT REPORT AND THERE IS INFORMATION REPORTING TO MY FILE THAT DOES NOT BELONG TO ME. I HAVE CONTACTED EACH CREDITOR REGARDING THIS MATTER AND THEY HAVE FAILED TO PROVIDE ME WITH ANT ORGINAL SIGNGED CONTRACT UNDER FCRA 609a, STATING THAT I AGREED TO OPEN A ACCOUNT AND PERSONALLY SIGNED MY SIGNATURE AGREEING TO PAY ANY DEBT. UNDER FCRA 605B FRAUDULENT INFORMATION REPORTING TO A CONSUMERS FILE MUST ME PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. I HAVE CONTACTED MY ATTORNEY AND SHOULDN THIS MATTER NOT BE TAKEN CARE OF IN A PROMPT MANNER, I PLAN TO FILE A LAWSUIT AGAINST EACH AGENCY REPORTING FALSE INFORMATION TO MY FILE WHICH HAS CAUSES FINANCIAL HARDSHIP AND STEEAS. PLEASE CONTACT ME BEFORE OPENING ANY ACCOUNTS XXXX THE FOLLOWING INFORMATION DOES NOT BELONG TO ME, PLEASE DELETE IT IMMEDIATELY. 

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 2023-10-09
Company: EQUIFAX, INC.
State: WI
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:
Hi, Equifax is reporting fraud information on my credit report from a 3rd party company XXXX XXXX XXXX which is violating my rights. I am a victim of Identity theft, I have already submitted a report with FTC. This Fraud account is reporting as collection & made my credit score drop 38 points which I worked so hard to build my credit to a XXXX so far! How could 1 collection account that isn't even mine, make my score drop so much, XXXX points!! This is hurting my goals of buying my 1st home & new car! I'm so devastated & need Equifax & or the company to remove this fraud immediately from my credit & ALL OF MY CREDIT REPORTS! Both XXXX XXXX XXXX XXXX Equifax are violating my rights & breaking the law. I have uploaded supporting docs. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
The disbursement amount {$5300.00} reflected in my Loan on XXXX XXXX. It does not match the true taxes {$720.00} of my property for XXXX. 


As a result of this error, BSI Financial increased my monthly payments to {$2500.00}, I called them and told them that I could not pay that amount, and that there was an error on my taxes. BSI changed my monthly payments to {$2100.00}. I usually pay at the end of the month but this payment had to wait for them so it was made XXXX XX/XX/XXXX. This payment should have been due in XXXX. but the website showed that it had not been done. 

I called BSI to ask them why my payment was not reflected, to which they replied that I should send proof of my payment. 

On XX/XX/XXXX, I sent BSI proof of my true taxes and my XXXX payment. I told them that it was unfair that they increased my monthly payment to XXXX for money that I did not owe them. 

BSI told me they will carry out a review. They changed my monthly payments from XXXX to XXXX and the website showed that I had to pay it in XXXX. 

All the monthly changes were made based on the wrong taxes, so I am paying {$5300.00} with interest. 

From XXXX until today, I have sent faxes and emails, none of them have been answered. 

I received a letter from the BSI where they assigned me a person who was familiar with my loan, they gave me a telephone number and an extension, but that extension does not exist. I sent faxes, emails, but none were answered. 

I have called costumer services on multiple occasions. they never refer me to any department. They are friendly, they say they are going to contact the escrow department and that I should wait 3 to 5 days. None of them follow up. They have never called me again, when those 3 or 5 days passed, and when I call again, the same thing is repeated, they are going to contact the escrow department and I have to wait 3 to 5 days. I have asked them to send me a confirmation letter explaining to me what they are doing and how long I should wait, so far have never sent it to me. 

I made my fourteenth payment on XXXX XX/XX/XXXX of {$1600.00} and my fifteenth payment of {$1600.00} on XXXX XX/XX/XXXX but the website showed that I owed two months, so I made my sixteenth payment of {$2100.00} on XXXX XX/XX/XXXX because that was what the website showed, my seventeenth payment of {$1600.00} XXXX XX/XX/XXXX, and my eighteenth payment of {$1600.00} on XXXX XX/XX/XXXX. 

My loan started on XXXX XX/XX/XXXX. BSI has received and processed eighteen payments, which can be seen in my transcript history, yet the website shows that I must pay XXXX. 

When I call BSI customer services they answer that they are reviewing my case. But they have never sent me a confirmation that they are reviewing my case. I have only received letters saying I owe money, which I am paying with late interest and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hello, I was contacted by Chase concerning a debt that I owe on a credit card opened in my name. The credit card issued is not a card that I have ever possessed nor applied for. The account was fraudulently opened under my name. When I contacted Chase they stated that the card had been issued in XX/XX/XXXX and the account was bought by another company for collections. They then provided me with a phone number to contact regarding the account. When I called the number there was not an operator nor a legitimate company answering system. It was an recorded advertisement. I have contacted the FTC to report the fraud as well as XX/XX/XXXX. And now have put a freeze on my credit report throughXX/XX/XXXX. What are the next steps in removing the account from my name and reporting the Identity Theft? I would really like to have the account absolved from my name. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief