BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
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:
XXXX, Equifax, and XXXX provide free, annual credit reports. However, people on public assistance can get them seemingly anytime. I believe that is discriminatory and unfair to consumers who are not on public assistance. I would like to know how this can be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EdFinancial Services
State: RI
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:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate HowXXXX it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX XXXX XXXX XXXX  sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
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: Account status incorrect

Complaint:
Transunion is incorrectly receiving information from XXXX XXXX as my account being delinquent, but it belongs to my son, XXXX. I called the bank and they blame each other. My credit has dropped 110 points in 6 months due to their disregard and bad recordkeeping of files

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 2019-08-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX around XXXX I went to an ATM with Chase Bank. I made 1 deposit in total, including a check and cash. The ATM ate my deposit and spit out a receipt with a number on it to call to make sure my deposit went through. I called, and they transferred me to the claim department. I made a claim. At the time, I couldnt remember my exact check amount, I guessed around XXXX for the check, and XXXX in cash that I was positive about. So they made a claim for XXXX. Not long after, my check for XXXX went through. I called them to let them know it went through, but that I was still missing my cash. They said its still under investigation. Time goes by and they put XXXX dollars of temporary credit on my account, on XX/XX/XXXX, while they still investigate. Time goes by, I open a letter on XXXX XXXX that they closed my claim. They took out the full XXXX in temporary credit, without giving me my missing XXXX dollars in cash. I call and they claim they didnt find XXXX dollars in the ATM or any sister ATMs and that they had to deny the claim. I was confused. I deposited my XXXX dollar check along with XXXX in cash. It was two XXXX dollar bills, a XXXX, and three XXXX. I dont understand how XXXX can disappear from the ATM for them to say it wasnt never deposited. I explained to them its not my fault that the ATM ate my cash, and that I shouldnt have to have practically XXXX dollars stolen from me for banking with them. The worker then went on to say if I have any other documentation proving I actually deposited cash along with my check, that they would possibly reopen the claim. What documentation? Its cash. They could even pull up the ATM cameras at the time and see me depositing cash at the exact same time along with my check. The refused to give me my cash back and I have to basically deal with the fact that XXXX was stolen from me from the ATM eating my deposit. I just began banking with them a few months ago and this happens, it is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-24
Company: Credit Protection Association, L.P.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
COLLECTORS ROBO CALLING ME 16 TIMES AFTER CEASE COMMUNICATIONS AT AUTOMATIC STAY IN BK XXXX. I HAVE SCREEN SHOTS AND ROBO CALLING VOICE RECORDINGS ... MY WIFE AND I.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-01
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My card ending in XXXX is not being reported to any of the credit agencies.

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 2019-08-02
Company: Radius Global Solutions LLC
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Getting calls from Radius Global Solutions impostor about a $ XXXX student loan through XXXX XXXX that I don't have/never took out. Called Radius Global Solutions HQ in XXXX PA XXXX, they don't have record of me by SS # or phone # in their system. 

The calls are coming from XXXX, most recently today at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: OK
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When originally applying for my mortgage, I submitted an offer to Quicken Loans that was submitted to the sellers. On the documents it clearly stated that I was using a conventional loan. After a week, they submitted me for a FHA loan without telling me or following what was clearly stated in my paperwork. They then contacted the listing agent stating my credit was so low I didnt qualify for an other loans. They withdrew funds from my account under false pretenses of the service that I was receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: EQUIFAX, 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:
Equifax refuses to comply with FCRA regarding identity theft they were the cause of a huge security breach and I was one of the people affected. Equifax refuses to remove incorrect information and time and time again I have sent them police report identity theft report Letters conversation ends to no avail. When the CEO step down whoever oversees the fraud and the identity theft department at Equifax credit bureau also should have stepped down or been terminated because it is poorly run my livelihood is on the line because of this despicable credit bureau not reporting correctly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I first obtained loans while attending undergrad at the University of XXXX and continued in XXXX   school at XXXX State University. I ended up with over {$40000.00} in student loan debt. After I graduated with my XXXX XXXX  in XXXX I looked into the Federal Loan Forgiveness Program because I knew I was going to be working for the federal government. I had a couple of seasonal positions with the government and then became full-time permanent with the XXXX XXXX XXXX XXXX in XX/XX/XXXX. I called my loan servicer in XXXX and inquired about the forgiveness program and I thought I was in. I continuously called periodically year after year finding out that I was not, and felt assured ( by the end of the phone call ) by the loan servicer employee that I was finally in and making qualified payments each time I called, every year. I called Fedloan Servicing earlier this year and they said I would be able to get all of my previous payments from when I started as a federal government employee in XXXX to become qualified payments, once I made 120 payments and by filling out a form associated with qualifying back payments. I made another call this week and spoke to a supervisor with Fedloan and he said I will not get any of those years prior to XX/XX/XXXX qualified toward the 120 month payments because qualifying back payments can no longer occur. I feel I have been lied to over and over, and I definitely would not have had my student debt with Fedloan if I would have known this corruption was going and its affect on me. I have been making monthly payments in higher amounts than I wanted to with the income driven repayment program, and I feel that I should be nearing the time when my loans should be forgiven, had the first and subsequent ( many ) loan servicer employees told me the truth. Fedloan said they are just following the policies set forth given to them by the Department of Education, however it took almost 10 years for them to figure it out to some degree causing damage to me, at my expense. I want my student loans forgiven and my payments to be counted as qualified payments from the time I obtained permanent employment with the federal government from XXXX, as I was told from the beginning from the loan company!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/XXXX I wrote XXXX, Equifax & XXXX a Method Of Verification request letter, sent certified mail ( copy of letter attached ), regarding ; Account # : XXXX Open Date : XX/XX/XXXX Creditor : US BKPT CT OH XXXX My Method Of Verification request was received by you on XX/XX/XXXX XXXX ( proof of service attached ). They had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX I have yet to receive a response to my requests or notices. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist. I mailed certified mail a " Non Response/Intent To Sue '' letter to XXXX, Equifax & XXXX , which was received on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX respectively ( proof of service attached ). XXXX, Equifax & XXXX are in violation of my rights under FCRA in their duty to respond appropriately to a request for Methods Of Verification. Additionally, by not responding at all, they have tacitly agreed that proof of the account in question does not exist and therefore can not be verified. Per the FCRA, if a disputed account is not verified, it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can pull my file because of the block on my file please remove it at once!!

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 2019-02-14
Company: Experian Information Solutions Inc.
State: CA
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:
In XX/XX/XXXX I notified Experian, XXXX, and XXXX of multiple unauthorized inquiries on my credit. I notified the credit bureaus that I submitted requests to each individual inquirer to show I authorized the inquiry and had no response from them. 

Since XX/XX/XXXXuntil now the 3 credit bureaus have not sent me proof nor removed the credit inquiries. 

I again notified the bureaus in XX/XX/XXXX that it has been more then 90days and I have not received anything showing proof of authorization or removal. 

From my understanding the Bureaus have 30 days to investigate and if they can not provide me any proof then the inquiries must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
It's been over 60 days and no sign of investigation. I've contacted the Credit Bureaus in XXXX and no information has been given and credit report shows no sign of investigations. I have no knowledge or obligation to accounts and would like removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: MN
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 called me a couple of weeks ago to ask me to make a payment. I explained that I had never applied for a loan there, and that all three of my credit reports have been frozen for several years, so no one should be able to establish any new credit in my name without my knowing about it, so I assumed that the call was fake. 
Then, on Thursday XX/XX/2022 I received a Past Due Notice from the same company -- XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, IN XXXX ) -- that showed a principal balance of {$22000.00} that had become past due on XX/XX/2022. I checked my credit reports online immediately, and it appears that the loan was taken out on XX/XX/2022. I believe this loan was done fraudulently without my knowledge. I have no idea how this company was able to create a loan in my name when I have freezes in place with all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT SYSTEM INTL IN is claiming that I owe them {$130.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
On XX/XX/2020, I made three transfers of {$25.00} each from my XXXX debit card to my American Express Serve Card. All three transfers show as completed both from XXXX and from American Express. I have confirmation numbers, too. The {$75.00} was not added to my account and American Express refuses to adjust my balance. They said they had an error with their system, but it has been two days they've been holding my money without giving me access to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-17
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Went into local branch in XX/XX/XXXX to remove deceased, change address and add another person to account. Now the interest checks are going into account. Even after 8 visit to resolve. Now being told it would be another 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The Bankruptcy listed is NOT mine they continue to say verified but are unable to provide proof of verification, I have been disputing with them for over a year legally.

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 2020-02-14
Company: United Group Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The loan for the car on my reported charged of but when I put a dispute on accuracy it changed. It showes I've missed a payment every month and the balance increases. The original loss was reported at XXXX. Now its XXXX? How can they do both. Company repped the car never gave me a chance to fix the problem with the dealer. It was a hybrid  and the batter wasnt charging. They were looking in to it when the company came an just took it the same day I talked to the lady ... I put of XXXX dollars on that car. I lost my job. I lost my home. It was horrible. I feel the company was unfair. I have several loans with them. Person I worked with wasnt pleasant. It was just 30 days. It's been traumatic situation. I've disputed on all the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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:
15 U.S. Code 1692 consumer im not obligated to pay any debt.

The FDCPA only applies to third-party debt collectors, such as those who work for a debt collection agency. Credit card debt, medical bills, student loans, mortgages, and other kinds of household debt are covered by the law. 


XXXX XXXX Account number - XXXX Amount - XXXX date opened- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number - XXXX Amount - XXXX date opened -XXXX XXXX XXXX XXXX XXXX XXXX Account number - XXXX Amount - XXXX date opened - XXXX XXXX XXXX XXXX XXXX  Account number XXXX Amount XXXX date opened XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Since XX/XX/XXXX XXXX  the bureaus have refused to open an investigation on the following cases. XXXX XXXX XXXX XXXX XXXX XXXX-Equifax XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax At this point the bureaus are in direct violation of the FCRA guidelines and have passed the time allowed to start an investigation . I am now requesting permanent deletion. Attached is proof of the disputes that I have sent for these accounts and also proof of my identity. I have attached my driver 's license and utility bill. Please considered this my written authorization. 

Thank You

Company response to consumer: Closed with explanation