BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-26
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was cold called XX/XX/19 from my mortgage company, Quicken loans. A salesman asked if I would be interested in an offer to make my mortgage cost less over time. 

I told him I would be interested in learning more, but he pressured me into saying specifically that I would be interested in doing something like this. He even put in a bit of a snide " it's a simple question '' to pressure me. 

I confirmed I would be interested, and he told me some details. I asked to be emailed more information on this, and I would not confirm that I was willing to start these proceedings. I was very careful in stating that I do not approve of this and I wanted more time to think it over. 

He continued to pressure me and try to counter any justification I had for waiting. I told him to have a nice day and hung up the phone. 

He proceeded to call me back at least three times. I did not answer, and I turned my phone off after the third call. 

I did not say that I was willing for him to pull my credit, which he did. I wanted more information about what he was offering. If he took my consent of being interested to mean that he was allowed to pull my credit information, it was not informed consent. I had no idea he would make any credit inquiry and he didn't try to confirm that with me. 

He only asked for my last 4 digits of my social for identification purposes. He specified he was asking for those numbers for identification purposes. 

I logged in to my account online and saw that he had started a refinance process on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It has come to my attention that although I have written several letters asking for audit trails and requesting my account status be corrected several times, I am not getting any response because of the automated system you have in place which in fact its a violation as well I am demanding this account to be updated immediately on my credit report as it is in violation to the following federal constitutional laws 15 USC 1666. I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts to report anything other than PAID IN FULL : SATISFACTORY. My points dropped significantly because of the coding & them not having permissible purpose to report inaccurate information. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: United Accounts, Inc.
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
United Accounts , Inc. Is the name of the place here in XXXX nd and XXXX XXXX SD I own them money sadly there one of the company I have to pay I had already agree for them to take {$100.00} out every XXXX weeks I been having such trouble they dont do it I have to call multiple times. There sooo rude its a stress having to deal with a company that wont let me pay off my debt go on XXXX read there reviews, all I want to do its pay my stuff can I just have a different company. Im trying to get a house its kinda hard too when a collection company isnt doing their job. I thought of calling the original people I owe money too, please please help me idk what to do anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i have over 7 times try to dispute XXXXXXXX XXXX with transunion and i am not getting any acknowledgment its been 6 months cfpb complaints keep getting closed when it shouldnt be

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 2019-11-29
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Oqwen mortgage reported I was missing a payment in XXXX of this year. I was not late I pay with XXXX XXXX XXXX XXXX every month for the last 14 years this system was down and wouldn't allow my payment to go thru there were problems with the system for 3 weeks before it was fixed. There for my payment was late not do to me but problem with there own system. I would like missing payment to be changed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023 target red card, took it among their selves to charge my bank account {$630.00} without my permission, and without my knowledge. there was no automatic pay and I did not schedule an ACH payment. I made the number of complaints prior to this company. Because of this issue I had to spend my time calling my bank to dispute the charge. if I did not give them permission to do that, they had no legal right to pull out {$630.00} from account because of this, I had other transactions didnt get paid and I occurred fees of {$170.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I tried to send {$800.00} to an account on Cash app that I also own. I have always done this every start of the month for a very long time. This time the cash app was responding as if it didn't go through. I did it 2 more times and again not showing up. I tried to log into that account that I was sending to and it was not only not showing up but we couldn't access the account either. I immediately started to correspond to Cash App and this company is so completely comical ( I don't mean this in a good way ) in how they respond. I could only speak to them through email at this point as they had NO phone number for customer service. Each correspondence would take 24 to 48 hours for them to get back to me. I then could not access the account the money was sent to and the way Cash App works it will not let you out of one screen without creating another account. I have all accounts created with all phone or emails attached to them and no matter how I tried to prove my identity then wouldn't help me. The next customer service rep who did respond after waiting 24-48 hours would start the whole process over asking the same canned responses/questions. 
I finally had over 60 emails that I printed out after 3 weeks and mailed them direct along with a letter to their corporate headquarters in XXXX XXXX. They received it on XX/XX/XXXX and never responded to me. In the meantime, I kept trying my hardest every day to talk with them or fix the situation and they kept up with the same canned responses and never reading the previous correspondences. 
I then filed a complaint with the XXXX last week and then on XX/XX/XXXX they opened up a chat feature on the phone and again same XXXX canned responses and never reading any previous responses and I even offered my credit card info, social security, bank statements etc to prove who I am, at this point I am desperate because I don't know too many people who can live without {$2400.00} dollars and still pay bills. 
Then at about XXXX this morning after another long morning of frustration and me again being in tears I go to my computer and on one of the accounts that I kept looking at but never had shown the money mysteriously shows the {$2400.00}. It cost me {$36.00} to access the money instantly. I wasn't going to allow them to have 1 more day of my money nor do I trust them at all!!! I have been having severe anxiety and stress the entire 5 weeks because they were holding my money hostage and with no human interaction to help me get it back or repair the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: SYNCHRONY FINANCIAL
State: WA
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:
Synchrony bank has been illegally obtaining customers credit reports/data without permission to make adverse credit decisions on accounts in GOOD standing with no issues. 

I had a perfectly fine account closed by Synchrony bank. No late payments, no issues, just closed. First was the Mattress Firm XXXX, they sent me a letter similar to the one you will see for my Lowes account, which they JUST lowered my credit line for NO reason. But illegally obtained information I did not authorize them to have aka My credit report. 

This has happen before, and I currently bank with : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and more, and Synchrony is the ONLY business doing this. Please read my letter, and see for yourself if you believe this is something a US based company should be doing. I didn't authorize them to check my credit, at the worst time of the year, of course my score is low only due to credit utilization. No late payments, no other information on my credit report is horrible, which I will provide to CFPB if needed to prove this is not only illegal in action by Synchrony but completely Unjustifiable.

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 2023-07-23
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
My complaint is against Fidelity Properties. They placed a Derogatory Comment on my Credit Report. They stated that they have been trying to collect/contact me about a bill with XXXX XXXX XXXX XX/XX/XXXX. 

I have never received any communication ( written or oral ) from Fidelity Properties about this matter. I have Informed Delivery from the USPS and have never received any communication from Fidelity via the USPS. 

I wrote to Fidelity on XXXX XX/XX/XXXX inquiring about the bill that they mention on my Credit Report ( Account # : XXXX in the amount of {$2700.00} ). They responded about another Account # and bill amount. Not the one that's on my Credit Report. 

I asked them to show me proof of the bills that they supposedly sent to me. They failed to show such proof. 

In additional info on this XXXX XXXX. I have never received a bill from XXXX XXXX. 
I have been trying to get them to send me one since XX/XX/XXXX. 

I have sent them countless emails, called them and even wrote them. XXXX failed to send me a bill. 
I even worked with the XXXX XXXX XXXX for 2 months to try to get XXXX to send me a bill. All they did was send the XXXX and I in circles. The XXXX closed the account due to XXXX 's negligence to resolve the matter. 

I do have two written documentations ( I can send these to you upon request ) from XXXX admitting to me that they sent my bills to an incorrect address. 

Due to XXXX 's negligence, I was placed in Collections falsely. 

I am more than willing to work with Fidelity to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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 2021-12-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-09-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
I used the lender Credit Acceptance Co in XXXX to purchase a vehicle. The vehicle was voluntarily repossessed in XX/XX/XXXX. The origination amount was {$11000.00}, remaining was, {$9200.00}. Credit Acceptance took possession of the car at the time and changed the account to a repo. Months later they then changed the account to collections. As a repo they must provide documentation of the auction value and the remain balance. They did not, but they did not. it remained as a collection from XX/XX/XXXX to XX/XX/XXXX. At no time providing the correct documents for this change. 

In XXXX of XXXX Credit acceptance illegally change the account type once more from collection to open. And has remained in this type. This is reflected on all three major bureaus, XXXX, XXXX, and XXXX. And also on some of the other like XXXX XXXX. This is 100 % not accurate and completely fraudulent. I have sent letter XXXX, XXXX, XXXX and have called in XXXX and XXXX of XXXX. In challenging this all 3 bureaus have allowed this to stand even after I have requested proof multiple times. The response is " this company has verified the account ''. They sent me zero documents to substantiate it is the right information ; zero documents proving it is an open account ; zero documents showing the repo information. 

The account itself is not accurate, it is illegally reopened. The amount being reported is no {$14000.00}. The personal information is not correct as I have sent updated info to the bureaus and Credit acceptance. For every incorrect and inaccurate reporting. Under the laws of Arizona, XXXX Article XXXX XXXX, most notable XXXX and XXXX, and State XXXX  and XXXX XXXX a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. this company has not done any of this.

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 2022-05-03
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: Was not notified of investigation status or results

Complaint:
On XX/XX/22 I sent in letters to have incorrect information removed from my credit profile.

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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Addresses are not my addresses

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 2023-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a account with XXXX XXXX that they closed on me. I was not at my limit and they closed the account. Any derogatory reporting to credit bureaus should be deleted immediately. I didnt close the account. Any unpaid debt or late payments being reported should go back to the creditor due to closing my account. This action needs to be updated and reported to all bureaus immediately for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a XXXX XXXX XXXX in XXXX of XXXX. I was ecstatic that I was able to get a car loan by myself considering my credit was not the greatest at that time. I did not have a trade in as I still had negative equity that would roll over to another loan. My paperwork stated that I was only going to be paying around $ XXXX for this vehicle, but after I finally got my account set up it states over $ XXXX!!! Ive tried multiple times to lower my car payment, considering anytime I made a payment it didnt seem to make a dent in my loan. Why in the world is a car almost double the price on a loan? I tried multiple times to reach out to them to inquire about a decrease in a loan payment after I lost my job and was trying to work out a payment arrangement so I could keep my vehicle and they ended up repossessing it. Im going to have to end of claiming bankruptcy at XXXX because they were shady in the contract. The dealership also didnt help as my car salesman literally quit two days after he sold me the car. A XXXX interest rate is insane. My finance charge was {$19000.00} and amount financed was {$24000.00} and after its paid off is over $ XXXX? The math aint mathing and I felt I was taken advantage of.

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 2023-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My previous capital one with a now paid balance of {$1500.00} is still reflecting as late payments in my credit report. The is now over XXXX years old. I would like removed from all of my credit reports immediately. Any assistance Id greatly appreciated! Last time XX/XX/2015.

Company response to consumer: Closed with explanation