BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-04
Company: EQUIFAX, INC.
State: GA
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 contacted the following bureaus equifax, XXXX and XXXX about the following accounts and injuries that have been placed on my credit report as a way of fraud and it has yet to be moved off my credit file.i have sent etc reports and police reports and have contacted the finance companies and the information still remains. the following accounts are XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX THE FOLLOWING INQURIES ON XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX CU XX/XX/XXXX ; XXXX XX/XX/XXXX. 
THANK YOU XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the following fraudulent items that I want to be removed : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021.

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 2019-04-21
Company: EQUIFAX, INC.
State: MO
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've recently disputed these accounts but the major credit bureaus did not take proper action. Nor did the 3 major credit bureaus provide me with any signed physical documentation that will support their reporting as oppose to an electronic Verification inwhich will appear as though the accounts are mines but they are not and until you provide me with physical documentation along with the Method Of Verification, then this accounts shall be blocked immediately and this is my rights as a consumer. Please remove these accounts immediately, [ 1 ] XXXX XXXX XXXX, [ 2 ] XXXX XXXX XXXX {$470.00}, [ 3 ] XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: ALLIANT CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, XXXX XXXX person was sent to our home, who brought closing documents for us to sign. We are been charged for this service we were not allowed to find this service on our own which would have cost a lot less. We did sign these documents on XX/XX/XXXX. 
One of the items, in these documents, listed in " Closing Cost Details '', lists numerous charges, as well as a list of our accounts, which XXXX insist on paying off for us, using proceeds from the loan. 
As I am writing this response, it is Monday, XX/XX/XXXX, XXXX XXXX, PST, none of the accounts listed in Payoffs and Payments section are paid off! Only the cash small part of the loan, that is due to us, was deposited in our account today. 
This is todays response from XXXX : I apologize for the delay, the last communication I received from the title company was that your loan was in queue to be released. I have no control over the time it takes it release the funds or for the receiving party to process payments received. 
I have requested status updates from the title company again this morning and will forward the response. 
And then response from the title company : This has disbursed. Thank you for partnering with XXXX! 

We didnt choose this title company- XXXX did! We are forced to pay for these services directly and now by paying an interest for the loans to be paid off and the loan used to pay it off at the same time! 

I wonder how much of money from " Prepaid Interest ( {$21.00} per day from XX/XX/XXXX to XX/XX/XXXX - {$130.00} XXXX expects to collect from us, while we paying interest in the accounts, they were supposed to pay off by XX/XX/XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I reached out to Experian, XXXX, and XXXX on XX/XX/XXXX asking them to verify these debts by contracts and signatures of mine I also sent them police reports they still haven't removed anything ( XXXX patrolman 's fcu ) {$1800.00} XX/XX/XXXX, bankruptcy chapter XXXX XX/XX/XXXX, bankruptcy chapter XXXX XX/XX/XXXX, bankruptcy chapter XXXX 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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2021-09-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have more than {$400.00} in one of my Citi double cash account and found out that all my cash back were wiped out completely without any notice. Contacted the bank and were told they expires after 12 month even tho my account is in good standing. I put all my spending on this particular card last year and I haven't been able to spend much money because I am an XXXX XXXX XXXX  and been on XXXX most of the year due to COVID. I tried to explain my situation and were told there's nothing they can do at all. No notice/email was sent out about the award points going to expire within a year even when the account was always paid full on time each month.

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 monetary relief
Consumer complaint received 2017-12-18
Company: Experian Information Solutions Inc.
State: AZ
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 and Experian is reporting the wrong XXXX credit card account number on my credit report. The XXXX XXXX XXXX account number ending in : XXXX is incorrect. My XXXX XXXX credit card account with a credit limit of {$12000.00} is not being reported correctly on my credit report. The wrong XXXX XXXX XXXX XXXX credit card account is being reported on my XXXX and Experian 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 explanation
Consumer complaint received 2023-03-08
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2021-10-09
Company: Experian Information Solutions 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 am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: ASSOCIATED BANC-CORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Associated Bank charged the premium of {$530.00} for elapsed Home Insurance policy for two months. I explained to the Associate on the phone and his Supervisor that my Home Insurance policy with XXXX got cancelled without my knowledge and without any 30 days prior notice of cancellation from it as it is required. 
In addition, Associated Bank got the most expensive policy it can find for elapsed time which has the 300 % the premium of {$3000.00} per year than what I got for {$1000.00} per year from XXXX. I consider that to be outrageous on the part of Associated Bank and totally unacceptable. 
Even in the event, I am to pay for post dated policy for the elapsed period if it is in FINE print of the Mortgage documents as I was told, the 300 % higher premium than the Mortgage holder can get is totally excessive and border lines of " Robbery ''. Associated Bank knows or should know availability of lower premium policies but chose to buy the most expensive policy.One has just wonder " WHY ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 2023-06-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I received a message from my sister asking if I could loan her some money. I was unaware that my sister 's account was hacked and this was actually a scammer. After the transaction went through I then realized that it was not actually my sister. I am a caregiver for my mom which keeps me busy, so I wasn't thinking real clear on this. I thought my sister was asking for help and I try and help when I can. As it turned out the payment went through PayPal, I put a stop payment on it as soon as I could but it had already gone through. I called my bank and left them know what was going on, I was told to take my banking account off of PayPal because each month they automatically withdrawal my statement amount from our checking acct. I did that and I also put a dispute in to PayPal but it came back as : Case status : Closed Thank you for reporting this case. After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. 

I was then told to contact the fake acct person and ask for my money back, which I did but of course they are not responding back to me. 

Here is some info on this : You sent XXXX XXXX  to XXXX XXXX Transaction ID XXXX Transaction date XX/XX/2023 SENDER XXXX  XXXX RECIPIENT XXXX XXXX XXXX Money sent XXXX EUR = {$200.00} USD Fee {$4.00} USD Paid with : XXXX XXXX  {$210.00} USD I sent her/him a message : XX/XX/2023, XXXX XXXX  I want my money returned, I put a dispute and stop payment into PayPal. If the transaction already went through to you and you won't refund me then I can take legal actions. I know you hacked my sister 's acct to do this, I have all the messages to prove it. 

XX/XX/2023, XXXX XXXX  I haven't heard anything from you regarding this hacking scam transaction. You have not refunded my money, I am putting another dispute into PayPal and I am also contacting the police. 

I don't know what else I can do, I have tried to put another dispute into PayPal but it just keeps coming up with the closed status. 

I would appreciate any help you can give 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 2023-06-29
Company: Westlake Services, LLC
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 status incorrect

Complaint:
Westlake Financial Is Reporting As A Repossession for {$300.00} To The Credit Bureaus When Ive Disputed Multiple Times That It Was Paid Off By XXXX And XXXX took possession of the vehicle XX/XX/2021.

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 2019-03-19
Company: Experian Information Solutions 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:
XXXX XXXX has the count as 120 days late on XXXX, XXXX  but it's showing as 150 days late on Experian. Also on both XXXX and Experian the payment status shows paid but on XXXX it shows derogatory. Nothing about the account is right. I have sent them several letters and nothing has be done. They haven't even sent me a letter explaining why they reporting it like that on my 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 explanation
Consumer complaint received 2019-04-22
Company: Rocket Mortgage, LLC
State: NC
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:
I thought I made my XX/XX/XXXX mortgage payment, but we received a notice that we had not. I called Quicken Loans immediately to resolve. I made the XXXX payment immediately and paid the XXXX payment as arranged. 

We have never missed a mortgage payment in all the years we have had loans with Quicken and the reason we missed this time is my husband was very sick. In XX/XX/XXXX my husband was diagnosed with XXXX XXXX, and went through intensive XXXX for several weeks. Then in XX/XX/XXXX he had XXXX, which took 8 hours and 2 XXXX XXXX to remove part of his XXXX, and all of his XXXX. The XXXX was rebuilt out of his XXXX  XXXX. He also had a XXXX. He was in XXXX for 4 days then in a monitored patient room for another several days. Once he was discharged, he was on intravenous nutrition and XXXX XXXX ( XXXX XXXX XXXX ) in his XXXX, which I was doing. When my husband 's XXXX was reconstructed, one of his XXXX XXXX XXXX XXXX, so we had a XXXX XXXX came to our home twice a week to help him talk above a whisper. He underwent XXXX about 2 weeks ago to fix the XXXX XXXX XXXX and he is speaking fairly well. 

I sent an email addressed to XXXX XXXX, EVP, Client EVP, Client Experience Operations on XX/XX/XXXX. I received a phone called from her assistant, " XXXX, '' who checked into the situation, but she said there is nothing they could do because if the payment is one day late, a letter goes to the credit agencies. 

On XXXX I sent an email to XXXX XXXX, CEO, with the same complaint. A director in consumer relations ( I'm sorry but can't find his name ), called me and he explained that " according to the Fair Credit Reporting Act, '' Quicken is required to send a notice to all credit bureaus, no exceptions. 

Disregarding our extenuating circumstances, Quicken Loans sent a " late payment '' notice to the credit bureaus. Our once good credit is now at rock bottom. I am XXXX, my husband will retire in a few years. We have tried our entire lives to be responsible consumers. The one time when we have critical personal circumstances, we are thrown to the wolves and all responsibly placed on FCRA by Quicken. I can't believe years-long customers can not be afforded a " forgivable '' chance. 

I have attached documentation related to this complaint. If it is necessary, I will provide confirmation from my husband 's XXXX XXXX, primary care physician, medical facility, XXXX XXXX, XXXX XXXX, or whoever else you need confirmation from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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: Reporting company used your report improperly

Complaint:
I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX and XXXX XXXXXXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W2, and current Utility Bill as verification of my ONLY address.

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 2019-04-22
Company: WELLS FARGO & COMPANY
State: GA
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 checked my credit report and found this fraudulent account on my credit report. I have no knowledge of this account being that I was incarcerated of the time of opening the account please remove this account from my credit.

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 2020-07-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been disputing an account that is reporting on my Credit File with AMEX account number ending XXXX. It has been disputed through the bureaus and I even requested information directly from AMEX and they only sent me a generic reply. This account is past the statute limitations. Amex is not sending me the information showing when the last payment was made. They are not reporting correct information to the bureaus this is against the FCRA

Company response to consumer: Closed with explanation