BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-09-02
Company: Credit Karma, LLC
State: CA
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 have been dealing with ongoing identity theft for the past year. A scammer/fraudster was able to pull my credit reports through Credit Karma using my data. The only way I had found out was reviewing my credit report as a result of an alert from credit inquiries. There was a soft inquiry from CreditKarma.com which was odd as I had no prior account with Credit Karma. 

The scammer had created a Credit Karma account online and had already pulled my credit reports using the account. When initially creating a Credit Karma account, you just have to answer simple personal history information. I suspect this scammer used my stolen data or data curated on other freely available network ( ie., XXXX  ). In order for me to deactivate the fraudulent account and create my own account, I had to send in my Driver 's license and bill to verify with Credit Karma. Shouldn't this be reversed, where you send in your data to be verified upon account creation? Credit Karma inappropriately exposes my data to a scammer/fraudster without proper identification. 

Even site such as annualcreditreport.com uses the same method. Since there is no account creation on their site. It is even more difficult to tell if any scammers were able to gain access to my credit report. 

I believe the existing system of using only historical data to verify a person 's identity is highly ineffective and poses a security concern to all consumers. The person 's identity should be verified using current bill, driver 's license or ID.me which the IRS currently uses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come 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 2023-01-10
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX XXXX is in violation of 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), protects applicants from discrimination in any aspect of a credit transaction transactions include : Consumer credit and Standards of creditworthiness. 
Due to this action it further exacerbate my credit worthiness that will harm my Family financial outlook.

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 2020-10-26
Company: BMW Financial Services NA, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Thank you for the opportunity to discuss my account with you. As you know my most recent credit report with [ XXXX, XXXX, XXXX  ], contains late payments reported on my XXXX XXXX. 

I have an excellent repayment record with your bank. I appreciate the credit you have granted to me and understand my obligations. I missed the payment ( s ) due to loss of income, medical emergency, move and since then, I have a new job and been on time for more than three years. As you can see, since then, Ive also had a spotless record of on-time payments. 
My credit is very important to me, and I would like to maintain a spotless record. I would like to ask that you remove that late payment history as a one-time courtesy. Im planning to apply for [ a mortgage/auto loan/etc. ], and its come to my attention that the missed payment on my record could hurt my ability to qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Catch Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been banking with CatchXXXX off and on for the last couple of years, I logged in this month, and my balance showed as {$24.00}, and I started depositing into the account. It's an automated savings program meant for XXXX, so they automatically pulled money from my account, and now I'm being told they can't find it. 

Apparently my account was garnished in XXXX of 2019 by the state of California. Catch never notified me of this. In addition, it appears I'm overdrawn in the account, but they can't tell me the fees involved, or why I've overdrawn. I have over 400 dollars that I have no idea where it is. I desperately need this money, XXXX of it is from the Stimulus check

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08
Company: Reliant Capital Solutions, LLC
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company ( Reliant Capital Solutions ) indicates that I owe them for tuition for XXXX XXXX XXXX XXXX. Although I applied to the university, I never registered for classes or attended classes, and never agreed to be charged tuition, either verbally or through a written contract. After mutiple requests, the collection agency has refused to provide proof that the debt is owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: AMERICAN EXPRESS COMPANY
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased a Bluebird Pre-paid Card at XXXX for the purpose of depositing cash to transfer to my bank account since my bank does not have any branches where I live to deposit cash. Upon purchasing the card for a value of {$5.00} and putting {$500.00} into said card I arrived home to activate my account on Bluebird.com and have been unable to do so even with the help of the customer service at XXXX XXXX XXXX XXXX. Each time I call the customer service phone number they barely attempt to help me ; only instructing me to create an account and once that proves unsuccessful they place me on hold or say they are transferring me to someone else but actually hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A year ago XXXX XXXX XXXX in XXXX TX tried to collect a debt they said I owed for an ambulance trip XXXX, of course Medicare had already taken care of it. XXXX finally sent me a letter that said XXXX had not contacted them anymore and they had restored my credit rating. This will be hard to believe!! They just sent me another dun in the same amount for the same XXXX trip that was a year ago. This time they even contacted me on the phone. I look them up on the internet and it seems they do this. They just sent me another letter today after I contacted them on the internet and told them I was reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
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: Credit inquiries on your report that you don't recognize

Complaint:
I am complaining regarding some of the hard inquiries on my account I dont recognize some of them I will list them Ace cash XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have tried to get these removed but no one is responding to me if u could help that would be great Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have never missed payments with XXXX XXXX XXXX  YET THEY NEVER REPORT ON TIME PAYMENTS LIKE THEY SHOULD. THIS IS RIDICULOUS CONSIDERING THE AMOUNT OF INTEREST THEY CHARGE. I WILL BE TAKING MY BUSINESS ELSEWHERE AND DOING A REFI

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: SinglePoint GI
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XX/XX/XXXXhas negative information and out dated information severely impacting my credit report. This is TERRIBLE

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 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My issue is multifaceted. XXXX XXXX is a mobile tool company that visits auto shops to provide tools and payment processing for its customers. The rep. who handles my reoccurring payments quit abruptly and with no notice. As it turns out, payments I thought were reoccurring were actually manually processed by the rep. weekly. As a result, my payment was delayed by an excess of 30 days. 

I contacted XXXX as soon as I got the alert in my report and squared my bill, even paying it off early some months later. I have since requested the late payment reporting be removed based on the obvious communication breakdown due to events outside of the norm, and subsequent sound payment history. The initial XXXX  rep I spoke with refused outright and told me his word was law and there was nothing I could do and no one else I can speak with. The second rep I spoke with told me to dispute it through the credit bureau. Which I had already done. 

I called Transunion to get more information about the dispute and was simply told the account was updated. It took about a half hour of continuous grilling to figure out exactly what was updated, considering the late payment was still visible on the account. 

As it turns out, irrelevant details were amended, but the specific reason for my dispute was ignored. I asked the Transunion rep about this and was told the company didn't respond to the particular reason for my dispute and that I was free to file a second dispute. I pressed the Transunion rep to call XXXX while I waited on hold. Upon returning to the line, I was told that XXXX more or less wouldn't speak to the Transunion rep, and that I needed to file a dispute through XXXX to get the issue amended. When questioned on how an investigation can be completed if the accused party can simply refuse to speak to the investigative one, I wasn't given a sufficient answer. I called XXXX to file a dispute and was told by a rep the payment history was too old to be amended and that they wouldn't change it. 

My issue is against XXXX XXXX ' refusal to reasonably handle and investigate disputes concerning the accuracy of credit reporting, and Transunion 's negligence and spinelessness in conducting an investigation to a reasonable conclusion. This is not the way our system is suppose to work.

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 2019-08-18
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: Account status incorrect

Complaint:
this account should not be on my credit report, i spoke to this bank they said to file a complaint and they will remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2019-02-19
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute online with Equifax regarding a negative account on my credit report. I have received email notifications that they are working on it and I can login to view the status. I can not login to view the status and after calling they wouldnt help me log in. They said they couldnt. My credit score with Equifax dropped XXXX points after I filed the dispute even though a dispute is not supposed to effect my score. Their answer to this was since I hadnt paid {$8.00} to get my fico scores through them they think Im lying and my score didnt drop due to the dispute. I also wont know what my resolution to the dispute is unless I call and ask. They refuse to give me anything in writing which is probably why I cant login

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I filed a complaint on XX/XX/2020 to remove all the inaccurate addresses and telephone numbers and hard inquires from companies that I had never done business with it's been 30 days and they still have yet to remove them. My name is mispelled 12 times on the report that Experian sent recently this is affecting me from buying a house. I have provided the addresses in the document section and the hard inquires from unknown and inaccurate information. 
The following companies I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-27
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, I was notified by mortgage company quicken loans a.k.a rocket mortgage rep XXXX XXXX that a {$500.00} deposit was required for the cost of an appraisal, which I paid. I, also recieved a message on my dashboard account for rocket mortgage from rep XXXX XXXX the same day referring to the scheduled appraisal date. On XXXX XXXX, I responded to XXXX XXXX asking to postpone the appraisal until after having a home inspection? XXXX XXXX replied, in so many words No. I had to stick to the date which was before the home inspection. The home did not pass inspection by far and seller was not willing to do repairs so I backed out of the contract, only to find out when I spoke with XXXX XXXX on XXXX XXXX, inquiring about a refund of my {$500.00} deposit that I will not receiving any money back. XXXX XXXX, then suggested I speak with a claims specialist whose name was XXXX. I explained the situation to him only to hear I wouldn't get any money back and coincidentally the cost of the appraisal and credit report was exactly {$500.00}. I feel my request was denied and because of it I'm out {$500.00}. This big company has taken advantage of me, I've expressed many times this is my 1st time going through this process. I did my part in asking for a postponement and because of that I shouldn't be responsible for the fees taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come 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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 following attached letters were submitted to each credit bureau over 60 days ago and they have not responded. Please see the updated attached letter. 
The following accounts are not mine : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX/XXXX DEPTEDXXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX The following inquiries were not authorized : See attached letter

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 2023-01-09
Company: EQUIFAX, 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:
I'm a victim of identity theft. Someone used my information to apply for an auto loan. I never gave any permission to anyone to use my personal credit. The companies are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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