BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 filed a complaint with the CFPB on XX/XX/21. TransUnion has been notified now three times that they are reporting an inaccurate item on my credit profile. I have submitted to them evidence that the information is inaccurate, and each time they have came back stating that it has been verified as accurate. In this last response they did not even state that it was verified accurate or by whom it was verified they only stated that it was updated but did not specify what was updated. The item is Bankrupcty. Originally they stated that the it was veriifed by the Bankruptcy court. I sent a letter to the Bankruptcy court who replied that it was not verified as accurate by them and that they do not provide any information to any Credit Reporting Agency. I sent TransUnion a copy of the letter I sent to the court, and a copy of their response. They then replied that it was verified by XXXX XXXX, I sent mutiple letters to XXXX XXXX to find out how they verified the information, and they eventually sent a letter stating that it had been deleted from my profile with them. I sent that letter to TransUnion and again asked that they delete it since this second data furnisher is not stating that they are no longer providing that information to any Credit Report Agency. TransUnion then replied that it was being reported to them by a Bankruptcy Court in my state that does not hanlde bankrupcty 's in my county. I then submited a complaint to CFPB and they asked for more time to investigate. TOday XX/XX/21, I recieved a letter from TransUnion that only said that item has been updated, but did not state what was updated, or who they received information from to update the profile. 

I am now under the impression that TransUnion makes it harder for people of XXXX to get inaccurate items deleted from their credit report than they do XXXX people. I followed the same steps as my XXXX counterpart, and she was able to get the same thing delted within months, I have been trying now for over a year, and race is the only thing that seperates why mine is still on my credit profile and hers has been deleted. TransUnions and other agencies use E-Oscar and other automated systems to send out letters without actually doing the work. I could see if on the first request it was an automated response, but after the third or fourth an acutal human being needs to look into this.

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 explanation
Consumer complaint received 2023-02-09
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my XXXX mortgage payment electronically. The payment was due by the XXXX ; however, policy states that if the XXXX falls on a Sunday or a holiday, then the payment grace period is extended to the next business day. The next business day was technically the XXXX because the XXXX was XXXX XXXX, which is a federal holiday. That means on the XXXX the banks were closed so no money was able to move through the feds, and the post office was not delivering mail. My payment was received by Rocket Mortgage electronically on XX/XX/23, but they still charged me a late fee. I requested to have the fee waived, but was told it was not possible. I asked to speak to a XXXX to escalate my concern, and was told that I would have to wait until someone contacts me back in 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Unauthorized inquiries I did unauthorize from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX sould be removed from my credit report thanks

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 2023-07-27
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:
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

Collection Agency : XXXX XXXX XXXX XXXX Original Balance {$620.00} Original Balance Accounts name : Original Creditor XXXXXXXX XXXX Reference Number XXXX Date Account Opened XX/XX/2018 Original Account Number XXXX Brand Name XXXX  XXXX XXXX took by the company for nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-01
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I cosigned a private loan with, Salliemae for my son XXXX XXXX 's loan in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total of  approximately {$34.00}, 000 for him to get an XXXX degree at XXXX. The account was consolidated at a rate of 3 % and it stayed at this rate until XX/XX/XXXX. The rate has jumped from 3 % to 5.25 % by XX/XX/XXXX. I was not even aware of it since payments are withdrawn automatically. Navient took over from Sallimae few years ago. This practice is to ensure students never get out of student debt. Is there any law against constant increase in rate approximately every three months. Is there any cap on student loan rate? I feel these are corrupt practices to make students keep on paying interest and not get out from debt. We have been making payments regularly over these years without missing a payment and are being rewarded with increased rates. Is there any federal agency overseeing these practices. Is it against the law. I don't understand why in last 4 years rates have almost doubled having stayed constant for so many years. Any help would be appreciated. i can provide more details if needed. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The creditor XXXX XXXX XXXX XXXX XXXX is still showing OPEN on my EQUIFAX account, even though it was discharged in XXXX Bankruptcy. Equifax shows it as discharged in XXXX, but still OPEN, which is impossible. 

I have included XXXX credit report trade line showing correctly reported as CLOSED, as well as EQUIFAX report trade line shoing still OPEN. 

I have disputed this more than once through EQUIFAX and the creditor, to no avail. My next step is to appeal to the UNITED STATES BANKRUPTCY COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I have an active XXXX account that has been in good standing for 13 years which was previously being reported but now its not. Ive contacted the credit bureaus as well as XXXX. But my issue has never been resolved its been about 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Comerica
State: HI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I bank with Direct Express because Social Security send my money there. I have had no luck getting them to transfer my money directly to the card that I pay my bills with.they said they could do it but I still couldn't get it done because they couldn't help me. I told him I was having troubles with their automated service. Still no help. I spent hours trying to work with them but they have the worst customer service ever. I went a different route and have my money going directly to a different card now but the Social Security agent told me that a lot of people complain the same complaint. Their automated service hangs up on you and takes you in circles and other strange things. The customer agents are hardly helpful and in fact I actually spent hours getting nothing done and 9 phone calls that's today.. I can't pay my bills with this account and I have to transfer my money to my other debit card. They couldn't help me. A video recorded my last call with them. It was almost an hour long call and I let the supervisor that I finally got know that I had been documenting the entire call and she hung up on me. I was irate and that was why I was recording my whole process. I do have a video but I can't upload it. I just took a screenshot of my phone calls. You can try that number yourself and see how it is. I'm on Social Security and have a XXXX and don't need to be going through this kind of XXXX. Neither does all the other people that get their money the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Frontline Asset Strategies, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2021 ( approximately ), I received a letter from a company that I thought was XXXX They were offering a better monthly rate, and I was and still am with XXXX for many years, now. I accepted the offer for the better rate. 

The company then sent me a letter, and a sim card to install in my phone. I began to get suspicous, and read the letter and the fine print. This company was purporting to be XXXX but in fact they were a competitor. I don't recall the name. 

Then I started receiving bills in the mail from the above company, whom we will call " X ''. Now I am receiving phone calls every day, several times a day, from a collector who is representing company X. The collection company is Frontline Asset Strategies, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, telephone XXXX, website : www.frontlineas.com and payment site : www.payfrontline.com. 

I don't owe them anything, as this stems from a company posing as XXXX. My XXXX bill has always been paid every month, and is auto pay, and is current, as always. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
This is in direct violation of the predatory multi state Landing class Action Settlement with Santander consumer USA I was denied any type of Extension or relief XXXX XXXX is the number one on the auto loan co sign is XXXX XXXX Santander consumer is trying to remove XXXX XXXX an is not in any bankruptcy! 

Due to the ( multi state class action settlement ) with Santander consumer USA. XXXX XXXX Should be relieved of his day and paid in full for any money spent is a reimbursement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received an email from Discover Card around XX/XX/XXXX, saying that one transaction was declined. I hadn't been using that credit card for a long time, so I checked the phone app and noticed a series of fraudulent transactions. I called Discover, and they stopped the card, and started a fraud investigation. In late XXXX ( or early XXXX ) XXXX, I again noticed and reported to Discover lots of fraudulent transactions on my account, which were also impossible to be made by myself because I was physically abroad from XX/XX/XXXX to XX/XX/XXXX. Discovered investigated both incidents, and concluded in late XXXX that there was " no fraud '', and I am responsible for all the transaction. The total amount of all fraudulent transaction from XXXX to XXXX was roughly XXXX dollars. Frustrated by Discover 's investigation result, I filed a police report with University XXXX XXXX  Police Department on XXXX XXXX, hoping they can assist me with the issue. 

In my communications with Discover, I have repeatedly provided the following facts that clearly suggest I am the victim of a fraud and should not be responsible for the charges : 1 ) The fraudulent transactions took place in California, but I was outside of the United States from XXXX XXXX, XXXX to XXXX, XXXX, XXXX. This can be proven with a detailed Homeland Security travel record that I provided Discover on XXXX XXXX. 2 ) I had possession of the physical credit card ( ending in XXXX ) the ENTIRE time I was abroad. 3 ) During the time I was abroad, nobody except for USPS mailmen would have access to my locked mailbox, because I brought the keys to my apartment and mailbox abroad with me too. No one could have access my locked apartment, a very safe XXXX XXXX XXXX XXXX, and there was absolutely no sign of break-in. 4 ) I have never given anyone access or permission to use my credit card ending in XXXX, which I kept with me all the time. 5 ) There was no possible way for me to receive, activate, or use any credit card that Discover may have sent to me during my time abroad. 6 ) When I came back to my apartment on XX/XX/XXXX, there was no credit card from Discover in my mailbox.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: IL
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 called Equifax several times informing them of me being a victim of identity theft. The representative said they would delete the misprinted name and the unknown addresses that do not belong to me. They have yet to do so. I have given them my current addresss which is the same address that is listed on my I.D . Due to identity theft there were many inquiries made as well : XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX   XXXX and XXXX national in which I have not applied for credit with those companies. There were also 2 accounts that were opened without my authorization : XXXX XXXX and XXXX XXXX in which I need removed immediately. I have attached my FTC report for reviewal and assistance in fixing this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, 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:
To, EQUIFAX. I never applied for these accounts, Pleas delete these inquiries. 
XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX. XXXX XXXX XX/XX/2022 XXXX XXXX XXXX. XX/XX/2022 THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called conn 's to see what the outstanding balance was and they advised me they no longer had my account and that I would need to get ahold on their 3rd party they used to handle outstanding balances the woman I spome with  transferd me to a company called XXXX and I spoke with a man who told me I owed and at first he was very understanding and wanted to help but what caught my attention was when he said how many outs I had that I had a duplicate account I asked for my balance he said it was for {$1200.00} which is not correct when I told him that his deminer changed and was very pushy wanting me to agrre to a settlement and how it would be in my best interest I told him that I wanted to verify the account to make sure it wasn't a duplicate account like he had stated I told him I would call conn 's myself and he said he could get them on the phone like a conference I said ok he never did, he wanted my checking information so he could better assist me I refused to disclose that with him ultimately I hung up on him and called conn 's and told them what had happend they said therr was nothing they could do because XXXX purchased that out from them that I would have to contact them again I owe them {$630.00} they duplicated my loan and now want to charge me {$1200.00} how can they do this why do they want to charge that on my credit report it shows I owe one account for {$630.00} and one with the same account # for {$1200.00} conn 's seems to not have any information or knowledge about this how can companies do this or allowed to act in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Do not owe this amount to whoever AFNI Debt Collection Company that represents XXXX XXXX. I talked to the CEO 's Assistant and the individual told me he would settle my account for a lower amount than this. 

If XXXX XXXX changed those terms they never notified or made that agreement with me. I do not owe {$160.00} to XXXX XXXX

Company response to consumer: Closed with explanation