BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-28
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been disputing with the 3 Credit bureaus for 5 years that a auto loan appearing on my credit report is not my information and it is also inaccurate reporting. 
XXXX credit bureau is also now reporting a inaccurate bankruptcy on my credit report that is not mines also it is not even appearing on my other 2 bureaus The 3 credit bureaus are refusing to delete these inaccurate items and they are also refusing to send me written verification that these accounts belong to me and I have requested it in writing for years The credit bureaus are damaging my reputation and also preventing me from buying a home for my kids because they are reporting innacurate fraudulent information I want them to delete these negative items immediately so that I can properly take care of my kids They refuse to take the items off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
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: Old information reappears or never goes away

Complaint:
I have submitted requests to all three credit bureaus about this issue with XXXX XXXX but have not received the appropriate update to my credit file. 
In XXXX My vehicle was towed by authorities in Arizona . I live in California. When i returned home i was expecting a notice to locate my vehicle to buy it back as that is my right under California law. I never received the notice of Seizure from XXXX XXXX, I never received first class mail of the intent to sell the vehicle fro anyone to my residence. I never received proof of the right to redeem from anyone and I never received where the vehicle was sold. I have been in contact with XXXX XXXX   for years and they can not provide me the proper information regarding the notices I was suppose to received and they keep referring me to XXXX XXXX and Associates for a balance when I have not contract or business dealing with this third party. Now, my credit file is being marked as negative monthly and this should not be the case as they have not provided the proper documents under California law.

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 2022-01-28
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I shopped around for mortgage companies, even went through the process with my previous lenderXX/XX/XXXX. My real estate agent referred me to Rocket Mortgage as they had a program that would cover all of my closing costs less any costs covered by the seller. There were several issues throughout the process indicating that Rocket Mortgage would not honor its initial program. XXXX XXXX reached out to me and tried to retain my business. After many misrepresentations from Rocket Mortgage and several changes over and over to my Closing Disclosure, they ultimately agreed to beat the offering at XXXX. The night before closing, I reviewed the CD and was attempting to understand why my cash to close was more than the down payment and I had not received credit for the {$2000.00} in earnest monies. I was assured several times both by phone and via email that my cash to close would be limited to the required 3.5 % down payment. 
On closing day, I reached out to Rocket Mortgage and received several disingenuous explanations. They asked IF I had paid the earnest money. The title company, XXXX XXXX, immediately provided proof of funds and we proceeded forward with my closing, four hours after the scheduled time. I even received a refund check because of the excess of my cashiers check. 
Fast forward to XX/XX/2022, I received a notice from XXXX XXXX XXXX informing me that I had no insurance coverage due to non-payment of my premium. I contacted Rocket Mortgage and was transferred from department to department for nearly two hours explaining and re-explaining the issue. I explained it was an origination issue, they transferred me to loan services and continually explained that I just misunderstood the process. They insisted that the funds should come from my escrow account because it was the closing department was told that it was paid. I finally connected with XXXX XXXX and she assured me that she would address the issue. 
As of XX/XX/2022, Rocket Mortgage paid the insurance company from my escrow account when I asked to clarify a resolution on their end and informed them that rather than creating a shortfall in my escrow account, I would pay the insurance company directly and deal with Rocket Mortgage on the origination issue. 
My strongest concern is that I had two other approvals from XX/XX/XXXXas well as XXXX XXXX that were honest and forthcoming in what they could provide. Rocket Mortgage continually offered one thing and misrepresented what could be done leaving me with an additional bill after closing. They lost my {$2000.00} earnest money and told me that I just didnt understand the process. They continue to also misrepresent that it was a misunderstanding for a very basic document indicating that my premium was to be billed to the lender. They should not be allowed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have attempted on four separate occasions to correct this problem via the credit bureaus. It appears that XXXX XXXX is not will to correct the issue. Per their own correspondence to me, they stated they would report the account as " Settled in Full for less than Owed. '' They are however reporting this as a foreclosure and it cost me finances on XX/XX/2018.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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.

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 2023-08-24
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX IC system contacted my husband to verify a debt that I have with them for my medical debt. And they also told him that any information will be used to can be used to collect a debt or as close to that as they say. I have also asked that they not contact me by phone and only contact me via written communication and they have refused to do so. They have called my up to 5 times a day from different generated phone numbers from XX/XX/XXXX up until this current point at XX/XX/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 2023-03-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There are several transactions where someone at the bank or who has access from a bankers access to make changes to my account. The account has been manipulated and there are two transactions for services not provided where the credit to my account after cancelling my debit card have been reversed regardless no subscription is accessible. I explained to the banker at customer service my email has been hacked into and I no longer have access to the old email address, XXXX. Access to the old email is a requirement for the subscription to be used and can't be cancelled without loggin in for a cancel request to be sent. The bank reversed my disputes for XXXX and XXXX to XXXX and XXXX XXXX and no access to the subscriptions is possible. The next issue is upon setting the account to close, I was told it will remain open until the account has a XXXX balance. There were several pending transactions for the account including a lease payment to XXXX XXXX in the amount of {$210.00} and again, someone with bankers access blocked the payment costing me {$2000.00} this year. I can not afford to have someone decision make on my accounts. They also lied and said " she has a negative balance, there is no money in her account '' when the transaction was pending so that the last transaction could not be processed of {$210.00}. There is no such negative balance and I am attaching the actual balance with the transaction being blocked to the complaint. They are trying to reverse all disputed transactions before the {$210.00} can go through and there was another one where an XXXX delivery was stolen before being brought to my door at XXXX at night, there was NOTHING brought at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: LA
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.

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company keeps calling and leaving voicemails which I have been keeping record. They sent me a letter in the mail stating I owe XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Called several all the reps are saying the account being paid off. However my credit reflects otherwise. I just would for this account to be removed from 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 2023-03-09
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I gave access to a person. I found out they were stealing. I had my son who is on the account to shut the card off. He went to the bank and told them to shut the card off it was fraudulent. They did not shut the card off. There was XXXX more dollars stolen. I believe I am owed the money plus interest for that money.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried several times to open an account with wells Fargo I had opened an account before in XXXX  and it was closed because I was getting overcharged with things I had no idea what it was. But I'm trying to reopen an account online but it won't let me and I'm not getting a reason why.

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 2020-01-08
Company: EQUIFAX, INC.
State: UT
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:
XXXX  # XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
originally filed XXXX in XX/XX/2018. Chase never gave me the information regarding the initial application XXXX XXXX completed using my information to obtain the credit card. XXXX XXXX has created many accounts using identity theft in my name. XXXX has already acknowedged this and taken the appropriate measures. XXXX is still investigating ( account used to pay this card ), XXXX XXXX has already refunded the money XXXX stole. Chase denies the identity theft yet is unwilling to release the information that would prove this. Saturday of this week I sent a request for documentation to the email address that they provided. I have yet to receive my requested documentation. ( see attached ). In Chase 's response as to the denial of this being opened as a result of identity theft, they even include expenses for a gym in XXXX FL .... I have never had any interest in a gym in Florida. Chase 's own response and supporting evidence further evidences the clear fact that this was fraudulently opened, used and paid for by my funds without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was charge overdraft fees and transferred fees Dates 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 2023-03-01
Company: WELLS FARGO & COMPANY
State: MI
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:
So why use my identity? I am a fraud victim. I contacted the company they refuse to take it off my credit report I did not get information for no one to use my information I have contacted the credit report I have sent proof police reports. FTC report and they refuse to take that off my credit report and its messing up my credit. I pay all my bills on time but I will not pay for something. I did not do XXXX XXXX data breach at the time of the transaction was made, and I was one of the people, that was in the data breach I need help to get this off my credit report

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 2023-07-19
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive sent Experian so many documents to verify my status as a human trafficking victim and to verify my identity and the representative assigned to me ; XXXX XXXX is doing everything in her power to not remove these items. Ive also filed a complaint with my Attorney General in my state. I was told on XX/XX/2023, I was told a supervisor would contact me within XXXX hours ; Ive yet to receive that call. According to the guidelines, once documentation is received they have 4 business days to remove those adverse items. Every time I call its a different excuse or reason for why they cant remove these items. I feel like this all retaliation because of me speaking my mind about how the lack of professionalism from everyone at Experian and especially XXXX, who I asked to be removed from handling anything that involves me. My lawyer is also filing legal documentation for this because I was also misgendered while on the phone call. Then the XXXX, the person who claimed to be a supervisor, was also dismissive and didnt acknowledge anything about was i previously told and again I feel like everything that is now happening with my file is due to retaliation. Also, the agency that I went through will not be giving out any of my information to anyone. We can do everything through lawyers if this information isnt removed by XX/XX/2023. I have every single phone call recorded and I will use 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 2023-07-19
Company: Experian Information Solutions 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:
I have no affiliation with these creditors and I did not make this inquiry.

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 2021-05-18
Company: DISCOVER BANK
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am receiving loan solicitations for a person whom does not live at my address ( XXXX XXXX, in this case ). I do not wish to receive these mailings and Discover Student Loans ' web site makes it difficult to find contact information to opt out of them.

Company response to consumer: Closed with non-monetary relief