BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have not given Equifax permission to appropriate my name and/or likeness. Equifax has not compensated me for using my name and/or likeness in a commercial capacity for gain, and therefore, they are required to remove everything from this credit profile that i demand as it violates consumer protection laws, privacy laws, and federal and state laws and statutes. 
1 ) I have demanded several times for Equifax to remove ALL addresses except for the address that I've provided, which is my current address. The most recent time was XX/XX/2021. I had this letter served to their registered agent, XXXX XXXX, by a process server on XX/XX/2021, because their attorney, XXXX XXXX refused service on XX/XX/2021. We are currently in litigation in the United States District Court docket # XXXX. There is no permissible purpose by law for Equifax to continue to list addresses that are not mine and that I have not given them permission. ( See attached screen shot of the addresses, and letters ). 

2 ) On XX/XX/2021 and XX/XX/2021, I sent notice to Equifax to remove the " Fraud Alert '' from my profile as it is blocking me from being approved for and using my credit. This was also provided to their attorney, XXXX XXXX. They have failed to remove the " Fraud Alert '' to-date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This credit bureau violated my consumer rights under 15 usc 1681b ( a ) ( 2 ) '' no permissible purpose or no written instruction '' I never gave any permission to report such unverifiable and inaccurate accounts. all the disputed accounts are drafted on my letters. I want them to be removed immediately. They failed to delete these after several letters i have sent to them. They failed to verify and update my report the correct way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: TD BANK US HOLDING COMPANY
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:
XXXX XXXX XXXX Inquiry on XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

XXXX XXXX XXXX  Of Inquiry on XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

TD Bank N.A. 
Inquiry on XX/XX/XXXX I dont recognize this company and this was done without my permission/consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This furniture company has kept furniture and not delivered it. I'm being billed for something I never received.

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 2022-02-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My name is XXXX XXXX and this is my 4 attempt to obtain my consumer file and report from EXPERIAN. I have uploaded a screenshot of this last attempt. I am using the CFPB in hopes of obtaining my consumer fie and report from EXPERIAN.

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 2022-08-12
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: Public record information inaccurate

Complaint:
Trans Union continues to verify an account that is reporting inaccurately by using public records data. Ive pointed out to Trans Union several times the information is incorrect and every dispute comes back as verified and updated but has no change in the account information whatsoever. Ive also reached out the the County of XXXX XXXX who has stated they DO NOT VERIFY ANY INFORMATION WITH CREDIT BUREAUS. Since this is the case, its obvious that Trans Union has not conducted an Investigation and has violated my rights under the FCRA

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX  XXXX Balance Owed : {$0.00}

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 2023-02-23
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Aspire loan service company bought existing loans and knew I was struggling to make payments and continue to report to my credit that it was late damaged my credit significantly and now I have late payments that will prevent me from getting my credit lines

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 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The date of deposit made in my account was XXXX of XX/XX/XXXX, the amount of deposit made into my account is {$120000.00} ( XXXX XXXX XXXX dollars, XXXX cent ) . I tried making a withdrawal from my account and my account was restricted from making and form of withdrawals. I contacted capital one bank with on the number displaying on my online banking platform, saying call us to resolve the issues and explaining the issues with them. The responds I get getting is, they are investigating the issues and will get back to me with a cashier check when it's resolved. Till date my money is still in my account and they keep posting interest to my account every month, since the XXXX of XX/XX/XXXX. XXXX of XX/XX/XXXX will make it exactly 1year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am being harassed by a company called Rocket Mortgage. They call me around 10 times per day and I have repeatedly asked them to take me from their call list but they will not. They will call late at night ( XXXX XXXX  ) and early in the morning- sometimes around XXXXXXXX XXXX I have NOT solicited this company for any reason and have no business with them. Further, I am on the " do not call '' registry and I have blocked them but they still call. 
Something should be done to stop this type of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
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: Information belongs to someone else

Complaint:
I got a letter in the mail today which is XX/XX/2019 saying I had requested a XXXX XXXX  XXXX  dated on XX/XX/2019 XXXX This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as XXXX, Fico and XXXX XXXX If there is any proof or video of me walking into this bank and requesting any credit card I'd be more than happy to see it. But I am 100 % sure I did not do this. 

I went to look at my XXXX XXXX  where it shows no knowledge of any of this. I also called up us bank and told them I did not make any inquiries they told me to call XXXX  and XXXX. I came on here so I can talk to all parties Involved and get this removed.

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 2021-11-03
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXXXX/XX/XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  - XXXX  Inquired on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX, I applied for a Southwest Credit card based on an offer that appeared in my Southwest account. 

Here are " details '' of the offer, copied from the offer : The product is not available to either ( i ) current Cardmembers of any Southwest Rapid Rewards Credit Card, or ( ii ) previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months. This does not apply to Cardmembers of the Southwest Rapid Rewards Business Card and Employee Credit Card products. 

The last time I signed up for a credit card from Chase was XX/XX/XXXX. I waited until XX/XX/XXXX to cancel my card ( to make sure that previous bonus payment of Rapid Rewards were more than 24 months as described in details ) My card was declined, because I PREVIOUSLY had a Southwest Credit card. The letter stated that I " may be able to reinstate '', but not eligible for bonus rewards. 

I called twice today and spoke to customer service agents ( who were both nice ) ... but said the same thing : You may need to reapply in 30 days. My credit rating is over 800. I now have a declined credit card on record. I don't want to " reapply '' in 30 days to be told that I'm declined again. I asked to be transferred to someone who could answer directly if I would be approved. 

The first time I was transferred, I was disconnected immediately. The second time I was transferred, the EXTREMELY rude supervisor hung up on me ... after telling me that the call was being RECORDED. 

I tried to explain to him that I don't want to " apply '' again in 30 days if they are going to deny my application. Again, my credit rating is over 800, and that would be a second denial of credit on record. 

At that point, he said : " We don't look at your credit rating, we look at your credit history ''. 

Really??? What that translates to : You've gotten a Rapid Rewards bonus in the past, and we don't want to give it to you again. 

FINE : Then change your " details ''. 

I am CLEARLY eligible for this promotion. Both customer service agents confirmed that my last application was XX/XX/XXXX, and confirmed my card had been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
State: MS
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 unverified inaccurate late payments showing on my XXXX  XXXX account. I have disputed this information with all three credit bureaus and they closed my disputes saying informaton was verified and accurate. I am attaching two printouts from all three bureaus showing each bureau is showing something different every month. 

How can this be accurate? I would like the late payments on my XXXX  XXXX acount removed immediately and a new credit report sent out so that I can see the inaccuracies have been removed.

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 2021-09-22
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX took out leased vehicle from XXXX XXXX XXXX in NJ, financed thru XXXX XXXX ( aka XXXX XXXX  ). my monthly payments were XXXX from my Bank. XX/XX/XXXX had to file Chapter XXXX since Pandemic caused my Bank to close for a few weeks, was not able to pay bills, except by phone which was done for XXXX XXXX, even thru thr Chapter XXXX <NO PAYMENTS WERE EVER MISSED,, All payments to date have been on time, Had signed a reaformation with them. They have deceided NOT TO REPORT my credit payments to any agency. I have called them repeatedly, get some XXXX with an attitude, tough luck we are not going to report to credit agencys, Experian credit was sent a dispute, never answered, just sugest takinh there Boost service @ {$19.00} per month. Only Experian has my score low, since I wont take Boost service, XXXX XXXX XXXX have my scores in the mid XXXX, buut dont show XXXX XXXX XXXX only XXXX shows my XXXX XXXX XXXX. My lease Expires in XXXX of XXXX, this will have been my 6th lease with XXXX XXXX. Yes I have complaned tothem, but told itd a Bank issue, XXXX XXXX  will not help in any way its a seperate entenity not controled by the Bank. The dealer was informed & could do nothing, was told by dealer get a Lawyer, unfortunately my layer has pass away due to XXXX  dont know where to go from here

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 2019-06-13
Company: EQUIFAX, INC.
State: TN
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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: GATEWAY FIRST BANK
State: OK
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today I received a call for the collection department for the XXXX payment and I told the collection representative that I had till the XXXX before the payment was late. The representative try to lie to me and say that the payment was due on the XXXX and that they give us a grace period of 15 days to make the payment which is not true according to the note that I sign which state that by the end of XXXX calendar day the holder of the note is late. To me it felt like they were trying to harsh me for my payment right when I stated that I had till the XXXX to make my payment. the collection agent was very rude and aggressive and I did not like this matter at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After I have been trying to settle this debt for over 1 year and the company never responded to my many attempts, I contacted CFPB and all of a sudden Winn Law Group was able to respond, but still did not provide a written settlement. I had to file another complaint first. 
With all this time past and Winn Law Group falsely filing a lawsuit against me, I had many unexpected costs caused by Winn Law Group and their lawyer Mr. XXXX : I had to send over 10 priority mail letters, I had to drive to XXXX Court 3 times, wasting money for gas etc. 
The original amount I had offered Winn as a pay-off quote {$850.00}, is not available anymore. 
I have been without work since XXXX. No work, no money. 
I am a single parent with a minor home schooling child and with this pandemic hardship and all the costs caused by Mr. XXXX, I am only able to pay a one time settlement of {$200.00}. 
Furthermore the settlement agreement that Winn Law Group sent me for the {$850.00} was not signed - IT NEEDS TO BE SIGNED BY THEM. 
PLEASE HAVE THEM SIGN THE NEXT SETTLEMENT OFFER THEY MAIL TO ME, otherwise it would not be valid, the one I received is not legitimate. 
Also, Mr. XXXX and his firm have caused me immense distress by suing me, when I had been trying to pay the debt. The distress has caused me illness, XXXX for months. 
They should offer a compensation for mistreating people, harassing others and making them sick. 
I should receive money for compensation from them. 
Furthermore, I received a phone call again today from the company " XXXX XXXX '' claiming that THEY own this XXXX Card CC Debt ... They claimed they had sent me a settlement offer a while ago and I should pay THEM .... 
Please explain and investigate! 
They called from phone number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 XXXX informed me that my home owner 's insurance would not be renewed as of XX/XX/2019. This because they did not want to pay for roof repairs that they deemed a necessity. That's the best they could do for me after fifteen years of my paying them for coverage. 

After all that, my mortgage servicer ( SPS ) sent me a letter stating that they 'may ' purchase insurance to cover a lapsed period ( XX/XX/19 to XX/XX/19 ), and that they 'may ' charge me for their purchase. Before my XXXX policy expired, I talked to one of SPS 's representatives to let them know that I was searching for replacement insurance. The representative told me that I had time to get the insurance, even after my current insurance expired, I would just have to be timely in letting them know once I had the coverage. I sent proof of my new home owner 's insurance as soon as I purchased it on XX/XX/19. More than a month later I get a letter from SPS saying that they had purchase insurance to cover the lapsed period, after the fact, and that I would have to pay them for their purchase. So, they have added the charge to my mortgage escrow account. That should be illegal. They say that I signed a statement agreeing to keep insurance covering the property. However, they have not provided proof of my signing any such statement, nor have they provided proof that I agreed to pay for any insurance that they 'may ' purchase if I did not keep insurance current. 


Where do these large companies get the idea that they can do something so unreasonable as purchase insurance after the fact, covering a period of time that has long past? I should not be expected to pay for their delayed actions. No doubt they are making plenty of extra money with this practice off the backs of so many of their customers. I just wonder what other tricks do they have up their sleeves to collect money from unsuspecting home owners. I want this charge removed from my account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation