BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This two accounts are reporting as late on my account and its incorrect pls fix it. I called both XXXX and XXXX XXXX and they told me they are incorrect an are not reporting it on there end. As a consumer, you have the legal right to dispute the validity of any collection, inquiry, or account on your credit report. Upon doing so, the debt collector or the company who performed an inquiry must provide documented proof that they have followed all applicable laws and regulations. If they fail to provide this proof, then the credit bureaus are required to remove the negative items from your credit report Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number 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 2021-03-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: LA
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 was XXXX  in 2012 living with different people living pillow post. Someone stole with my info and got different accounts in my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE ITEMS DISPUTED AS WELL PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT

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 2017-09-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to the XXXX security breach in XXXX XXXX, I have no other option to protect my credit and my identity than to place a credit freeze with XXXX, Experian, and XXXX. Theses bureaus charge a fee for the freeze despite the fact that they are profiting off of my personal information and fail to protect it. These agencies should not be allowed to profit from their own failings and inability to protect consumer data.

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 2021-03-04
Company: Solar Mosaic LLC
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:
Please see attached documents as well as previous statement provided : In the process of refinancing my home, it was brought to my attention by a title company handling my loan, that a lien was placed against my home on XX/XX/XXXX. 

My solar equipment was purchased, not leased, in XXXX of XXXX. Mosaic Solar Acct # XXXX # XXXX. I have made timely payments through auto pay monthly. 

I have refinanced my home twice since purchasing my solar equipment in XXXX and have never had an issue with my home title. It was brought to my attention through this current refinance, that a new lien was placed on my home for the solar in XX/XX/XXXX. They never notified me by mail, e-mail or phone call that a change in my home title was taking place. 

They notified the title company that lien subordination was required to lift the lien so that I would be able to refi. And they also indicated that they required a {$250.00} fee to lift the lien and re-subordinate. 

On XX/XX/XXXX, I asked my lender to place a 3 way call with Mosaic. They indicated that they did not provide me with any communication in XX/XX/XXXX and this was their error. I asked them release the lien on my property and waive any fees so that I would be able to refinance my home and incur any charges for a lien that should have never been placed on my home. 

I have attached the e-mail sent by the title company indicating the {$250.00} charges owed to Mosaic for the subordination as well as the e-mail from XX/XX/XXXX from the phone call placed to their offices. 

Its my desire to quickly close my refinance to preserve the low interest rate that I have locked in for my home. This has caused a time delay and an excessive fee of {$250.00} that possibly other customers have paid erroneously when owning their solar equipment and never receiving lien notification. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-22
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loan has been in deferment since XXXX. I am a XXXX, full time XXXX XXXXt, and XXXX % service connected XXXX. This year, especially over XXXX, XXXX, and XXXX XXXX, certain loan amount have doubled or otherwise increased, and been reported to credit agencies. I have submitted requests for deferment and for 2 years was making payments on my loans with no decrease. My loans are not supposed to increase during deferment and enrollment full time, and I have taken no other loans which would compound current amounts. This change is fraudulent and the fees are exhorbitant. One of the loans increased from XXXX to XXXX in the space of one month. This is unacceptable and I demand Navient and her subsidiaries correct this error and adjust the fees as federal statutes outline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSWORLD SYSTEMS INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a letter from XXXX XXXX XXXX, trying to collect an alleged debt. I have never heard of XXXX XXXX XXXX XXXX . I don't owe any alleged debt that they are trying to collect. In addition, their communication tactics are in flagrant violation of the Fair Debt Collection Practices Act, deceitful, hostile, and harassing.

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 2018-03-08
Company: EQUIFAX, INC.
State: AL
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:
Creditor : XXXX XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to being told that they would only make a soft inquiry that would not appear on my credit profile in XXXX. I have yet to receive a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this hard inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2018, I purchased chicken breast from XXXX Store in XXXX XXXX, Ohio, using my XXXX XXXX Card to charge {$6.00}. Upon opening the sealed package, I found the meat to be rotten underneath. I attempted to return it within a few days, but employee XXXX refused, stating that no refund could be made for an opened package. This policy is against the public interest, as the consumer can not see all sides of the product without opening the package. I asked for the store manager, but XXXX stonewalled and said that the manager was not in the building. I contacted the credit card company ( TDBank dba XXXX XXXX Card ) online to request a credit. TDBank refused, stating that it did not have the power to refund. This is a highly anti-consumer policy - and probably an outright lie. I contacted XXXX Guest Relations online multiple times, which repeatedly also refused to credit my account. It is a disgrace that a national bank conspires with its merchants to deny consumers any protection against defective and dangerous products. TDBank 's national license should be revoked. Both organizations should be fined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-03
Company: EQUIFAX, INC.
State: GA
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 filed an identity theft report with the ftc as well as a police report. I took said reports and filed them with all three credit bureaus to have fraudulent accounts removed from my credit report. XXXX  has already removed the fraudulent information but Equifax has out right refused to do so stating that their policy is to violate the law and open an investigation instead of removing the information within four days as required. They are also stating that my information on the report doesnt match the identification I provided, which it is a perfect match. 

The accounts in question are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: SC
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 opened an account with XXXX XXXX ( formerly XXXX XXXX ) on or around XX/XX/2008. Some time in XXXX-XXXX the bank sent me checks with a fraudulent account number on them so when I used the checks for purchases the checks did not clear my account. The branch manager at the time assured me that he would resolve the discrepancy and he sent payments directly to the vendors to pay for the banking error. Shortly after the mix up I closed the account and they then put a bad debt on my credit. I am not responsible for the banking error nor should have this on my credit. The bank has once again changed their name and none of the previous banking associates are there anymore that would remember this happening. I want this charge removed from my credit. 

Sincerely, XXXX XXXX XXXX ( previously named : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
They put debt on my credit and I never had an account with this company

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 2020-11-27
Company: AMERICAN EXPRESS COMPANY
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:
I applied to american express business card. It never stated they would perform a hard inquiry on my credit. It stated there would be no affect to my credit score. After i submitted the application a hard inquiry was performed and i was denied. This is misleading business tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Byrider Franchising, LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A finance officer named XXXX is repeatedly using my credit cards on file to pay on my car loan without my permission. The last time was XX/XX/2018. I've talked with XXXX and his manager Ms. XXXX and this unauthorized practice is still occurring. For the past year I've been making payments on my own.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: VA
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:
I went to myequifax.com to request a free credit report and after entering all identity data correctly, equifax generates a nonsense message to call them. When you call the number provided they say to do it online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems reported a {$390.00} collection on my report. I contacted IC Systems and informed them the name was a mismatch and I had never been to the dental office. They requested I contact the dental office. The billing department of XXXX XXXX XXXX confirmed the debt wasn't mine and called IC Systems to make the correction. IC Sytems informed their client that I would need to dispute the accounts with each credit company. I then called IC Systems in attempt to have this corrected and was told the same steps I would need to take to resolve this. IC Systems has ample information to prove they made a mistake. I should not have to spend time disputing accounts with each credit company because they made a mistake. They have the ability to correct this themselves but refuse to do so.

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 2018-07-03
Company: Rocket Mortgage, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken loans changed their loan conditions for no GOOD reason ( or one we could find out ) after 4 years saying that the employee that set up our loan 'made a mistake ' and we were supposed to be paying hurricane insurance which quadruples the cost of our overall insurance and makes the house NO LONGER AFFORDABLE to live in and now we have to sell. It is not right for them to change an agreement because someone screwed up because we based our decision to buy this home BASED ON THE AGREEMENT AND LOAN CONDITIONS THEY SPECIFIED at the time b/c what they offered made this an affordable purchase. We were told repeatedly ( which WAS WRONG and we PROVED it to them via our state insurance agent ) that the hurricane insurance was 'required by state law ' -- a total lie and proves their incompetence. We accepted this lie for a year and had to pay the increased insurance and then we got hit with a huge escrow bill that we have to pay. So we protested again this year, XX/XX/2018 when we got the nearly {$1700.00} bill and after we proved to them that it is NOT 'state law ' to require this insurance, we were then told that the 'investors require it ' but was NEVER answered about WHY, what basis are the investors using for this decision because if they are using the 'state law ' justification, it is not right or fair to do this to us. We have repeatedly asked them to honor their original agreement with us as they are a multi million dollar company and a couple thousand dollars isn't going to hurt them but it is hurting us to the point where we have to sell and move. They refused. Then we asked them to at least give us a break and split the difference with us to at least make up for their 'mistake '. They refused. All they would do is extend our payments. Big deal. We will still have to pay the full amount when we sell the house. Totally unfair. They told us basically that we should thank our lucky stars we weren't having to back pay for 4 years of hurricane insurance we were 'supposed ' to have. Please! If we had known of this requirement, we would have NEVER chosen to go with this company for the mortgage! They don't care about losing our business or the bad word of mouth and internet reporting they will receive. They NEVER answered us about the reason for the investors requiring this insurance and that is unacceptable. Their needs to be big justification for this forced changed if someone is going to lose their home over it! 
If a company is allowed to change their agreement with consumers willy nilly or because of a 'mistake ' or a 'change in policy, ' that will end up amounting to bait and switch tactics and is unethical at the very least. They can always use these excuses then and get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Navient Solutions, LLC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing XXXX  credit bureaus. According to account XXXX Navient continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Machol & Johannes, LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My first interactions with this firm were relatively fine, but since my account was transferred to XXXX XXXX, the communication has ranged from sparse to incompetent to non existent or unpleasant. It has not gotten to the point of threatening, but just barely. 

I have submitted multiple proposals for settlement handwritten by mail as well as via email and have attempted to call my representative. I've even contacted the main office to ask for a new case representative and have copied other addresses and have not had anyone respond to those requests. Since the original papers were served, I have not received anything in the mail or email about my case before they have brought the recent actions. I call and email XXXX XXXX and she claims to call me back, but does not. She often does not return my phone calls or answer my emails. The few times she has called, it's been in windows of time where I have explicitly stated that I was unavailable. I have submitted proposals and asked for information on next steps and have not received anything. Phone calls and emails have stopped entirely. 

It was my understanding that they could not continue to take action on my account when there has been new filings for settlement options, but they have continued to take money from my account and place more freezes even after I have submitted formal proposals and have tried to communicate. I feel that XXXX XXXX is intentionally not filing or responding to let things lapse and take more money from me. 

I can not pay more money than I have and have tried to communicate my parameters and offer as much as I can, but have not been met with reason and then communication just ceased while money continues to be taken from my account. 

I would like to pay these off, but can't do so if they continue to take every penny I make out of my account each month. This is the second month in a row I am unable to pay rent on time and will have to pay additional late fees on all of my bills thanks to XXXX XXXX not doing her job and this firm not being responsive to my requests for communication. 

I no longer live in Colorado so I am unable to appeal to a judge. I also don't receive information in a timely manner in order to deal with these things before it is too late and I'm unexpectedly out thousands of dollars. I am happy to pay monthly to move forward with this, as I've been advised by members of this firm in the past, but I can't deal with unreasonable or predatory people.

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