BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-04
Company: EQUIFAX, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
On XX/XX/2018 I requested all three major credit reports through XXXX. I received immediately my report from XXXX  and XXXX and was able to easily dispute and have corrected erroneous information I found on my report. However, as of this date, I have not been able to get a report from Equifax. 1. The security questions that were asked to identify me were not accurate therefore, I was forced to answer all 4 questions as false. Then I called Equifax on the XX/XX/XXXX and was able to prove that I was in fact, XXXX XXXX. I was promised that my report would be mailed. I did not receive it. I called them on the XX/XX/XXXX asking again that they mail a report. I even tried to pay for a report online but 4 more security questions were asked of me that did not apply to me. I was refused the report. I am deeply concerned that the information they are currently reporting is not accurate based on the 8 security questions that they have asked. I am reluctant to mail additional identifying information through the mail because of the many times mail has been lost and delivered to the wrong address. Any help you can give to me to obtain my Equifax report will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am very disappointed about the forbearance plan with Rocket Mortgage, now it comes out that they want the deferred payments when plan ends, they want to charge me double. On the surface it looked like the payments were going to the end of the loan, but turns out they want to double their money, so very disappointed. Wow, talk about deceiving the customer. Biggest lie ever, that they help during this pandemic. Yeah, I don't HAVE to make the payments but after the forbearance plan is over, Rocket Mortgage want ALL their money or they will try to refinance you ... Such a HUGE lie!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 reached out to TransUnion, XXXX, and XXXX  and explained to them that I did not authorize my credit to be ran by these companies and wanted the information deleted off my credit report. I was spoken to rudely.The issue was never fully resolved. The inquiries were removed at one point and were eventually placed back on my report and I was never notified the inquiries were placed back on my report. According to the FCBA that is against the law. I am requesting that XXXX, XXXX, and TransUnion to remove all inquiries pertaining to auto loans due to not being notified. The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-30
Company: Source Receivables Management LLC
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Original creditor was XXXX internet service. Advertised unlimiteddata for my plan. However, on XX/XX/2019 overcharged my account and later stated You do have theunlimiteddata plan however, when costumers use a considerable amount of data we begin to charge by the gigabyte???! My final bill amount was {$710.00}! Initially I refused to pay this bill. The account was turned over to a collection agency named Source Receivables Management to whom I later paid the collection. XXXX later stated we did advertise unlimiteddata however, we can not dishonor the collection agency by stating your account was paid and is in good standing, sorry. They seemed to have no problem dishonoringme though! I argue that my account should be stated paid as agreed by the original creditor on my credit report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.

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 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Other problem getting your report or credit score

Complaint:
A few days ago I checked my scores on XXXX, only to find that my TransUnion score dropped an amazing XXXX points in the 2-weeks since I last checked it. What Changed? A derogatory report dropped off my account and a car payment was processed. So 2 positive things happened to my account and I lose points?! This " game '' doesn't seem to have consistent rules. 

I contacted TransUnion via their site the day I found this information, but have yet to hear from them.

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 2018-04-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
TD Bank solicited me by mail to apply for for a HELOC. I called and filed an application. They called me with an issue and we traded phone calls for a while. They are next to impossible to get a human being on the phone, often 20-30 minute wait times with no ability to leave a message. Eventually we spoke and they told me the issue was that my wife, who had recently experienced a stolen credit card, had a fraud alert on her credit report. We contacted the credit bureau ( XXXX ) and removed the fraud alert and they told us that TD 's issue was nonsense and that a fraud alert doesn't prevent them from drawing credit reports. In fact my wife and I just received the mandated letters telling us the credit scores they received. I have since been unable, despite hours of attempts, to get anyone on the phone to discuss the issue. TD 's voicemail talks about exceptional service, horrendous is a much more appropriate term.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: State Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted all three reporting agencies several times through online as well as state collection also disputed. I have tried to resolve as soon as they were added but numbers are disconnected & I can not get anywhere with XXXX  or XXXX  they say its not me? I have had enough back and forth & no one is doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
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:
Letter was written to XXXX credit bureau to remove incorrect information of my credit report about an account which is not mine. Has already been removed from XXXX. When another letter was sent to reinvestigate or to obtain all information that was found by the credit bureau, was denied that right which is illegal due to the FCRA and was told no reinvestigation would be done and no information was given to me.

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 2018-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX SSN : XXXX XXXX | DOB XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 


O # XXXX * Please remove all non-account holding inquiries over 30 days old. 


Thank you, XXXX A XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
A hard inquiry is noted on my credit report from transunion that is fraudulent. XXXX   XXXX inquiry dated XX/XX/XXXX is fraudulent. They called me onXX/XX/XXXX and we agreed it was a fraudulent application. XXXX  XXXX has told me that they notified all three credit bureaus. It is now XX/XX/XXXX and this inquiry still has not been erased by Transunion

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 2020-12-14
Company: BANK OF THE WEST
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My husband and I signed account closure paperwork for our savings and checking accounts with the bank on XX/XX/XXXX and withdrew our funds to a XXXX  balance. The bank allowed a fraudulent charge to our checking account of {$25.00} on XX/XX/XXXX and tacked on various overdraft fees and refused to close the account as it was now in a negative balance. Note that they also refused to close our savings account even though no charges were made to that account. After negotiating with the bank and filing a fraud claim all charges were reversed by XX/XX/XXXX and we requested the XXXX branch manager on both XX/XX/XXXX and XX/XX/XXXX to close the accounts at that time. Not only have they not been closed, a fee was applied XX/XX/XXXX and a further overdraft fee was applied XX/XX/XXXX. Despite a third request to the bank branch to close the accounts on XXXX our accounts remain open as of XX/XX/XXXX. This includes the savings account which has been at a XXXX balance since XXXX with multiple requests to close it.

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 2018-12-10
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My problems with XXXX started in XXXX when my recert was due for my repayment plan. My payments prior to XXXX were affordable, then I get a letter saying that my payments have been changed to {$190.00} a month. I called and told XXXX that my husband and I have way to much bills and I cant make that payment. They stated I should apply for a forbarence on my pond. A guy on the phone helped me fill out the application and then told me to reapply for a different repayment plan.. so I did. My account was placed on hold and I received several letters about me being approved for forbarence until XX/XX/XXXX. I received a bill in XXXX for $ 5000+ due on my payment date. I called XXXX  immediately and asked what was going on. I was told that this was built up interests from being on forbarence and not making any payments. I was then told it would be added onto my loans soon as my new plan was approved. I was also told that I missed my {$5.00} payment that I never got a bill for for my new application/forbarence. I check my account on XX/XX/XXXX because I received a letter stating that my new balance of {$200.00} is due on XX/XX/XXXX. I paid this amount on XX/XX/XXXX. I checked again at the end of the month to see if my payment was applied and my account said I had {$200.00} due again. I didnt have the money to pay, but I did and it left me with less than {$50.00} in my bank account. I called XXXX immediately and asked what was going on. I was told that I did not request for the {$5000.00} to be capitalized on my loans. I told the man on the phone that this was the first time I heard XXXX  say anything about me having to request it to be capitalized. He told me that once I am approved for this capitalization, then I need to call back and request that the two {$210.00} payments I made in the month of XXXX to count toward my loans and my PSLF. I receivived a text message today from XXXX stating that I missed my payment date on XX/XX/XXXX ( even though the bill stated I owed XXXX and I paid it twice ). I am so tired of XXXX  finding ways to get more money out of me especially when I told them that our debt to income ratio is on the bad side. They really XXXX with my account and my financial life. 

I would like to attach all the letters I received from XXXX  but there are so many!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Nelnet, 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: Account status incorrect

Complaint:
Inaccurate information on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX Med - 1 Solutions send me a letter informing me that I have a balance of {$4000.00}. That they previously tried reaching out to me to collect this debt under the FDCPA, and to that date they have not receive any resolution. 

I called spoke with XXXX XX/XX/XXXX after receiving the letter in the mail to understand what debt are theyre trying to collect. She informed me it was from year XXXX and the debt amount was {$4000.00} different from the letter Med- 1 Solutions send on XX/XX/XXXX. She also couldnt provide me with anymore information. She requested that I send a email asking for a idolized list of the debt theyre trying to collect. I send email XX/XX/XXXX. She informed me that Ill get a email back that day with the list. I called back on XX/XX/XXXX because I never receive list. She informed me they were unable to send via email and will send a list in the mail. 

I called back again on XX/XX/XXXX they informed me that they couldnt locate list and will have a supervisor give me a call back with update. I called again on XX/XX/XXXX they informed that a letter was send on XX/XX/XXXX. I requested that they send the list again On XX/XX/XXXX. 

I finally received list on XX/XX/XXXX I see that the balance owe from the medical bills are the balance of {$2800.00} and that I made a payment of {$200.00} by on XX/XX/XXXX and Med - 1 solutions added additional charges to the debt owe. I called again on XX/XX/XXXX to ask why I have additional charges and dont see the {$200.00} taken off debt, they place me on hold and then disconnect the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid before account was assigned to this company. Also the date of last activity was XXXX not XXXX which makes it out limits for being on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: MD
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 am highly DISTURBED about the credit bureaus have not responding back to me in regarding my investigation. This is a matter that I take serious. I need these accounts that aren't mine to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my 2nd time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a REAL person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Please do your job!!!! I have attached my ID and utility bill to show who i am!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
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:
List of Inquires listed on my Credit Report that I did NOT authorize are as follows : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XX/XX/XXXX 12 . XXXX XXXX XXXX XXXX  XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX  XX/XX/XXXX 15. XXXX XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XXXX  XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation