BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On yesterday XX/XX/2022 I called XXXX XXXX title claims and for about the XXXX time XXXX told me that XXXX XXXX XXXX has noted " end the call with you '' click. Today at XXXX eastern time I called spoke to XXXX and were very professional. She said yes you have a claim claim number XXXX but what is your name. I said XXXX XXXX then she said another name is here an amanze too. she said XXXX is handling your claim at the national claims office starts XXXX and she said it don't have to be XXXX you can talk to anyone that answers about your claim. I called XXXX XXXX spoke to XXXX and refused to help and transferred me to the Michigan office XXXX XXXX office and spoke to XXXX indicated she wanted to help but referred me back to XXXX XXXX and after asking me to hold she told me the she had been instructed by XXXX XXXX to end the call. 

Please Investigate and secure my claims they trying to hide from me or are giving to XXXX XXXX inside the property now and protected by them in the name of fraud.

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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Since XXXX without much help at all and multiple letters sent to TransUnion, XXXX and XXXX  requesting that false and inaccurate information be removed from my credit bureau reports. I have not received any success. Ive even told them that addresses and names on the credit file are incorrect and they refused to respond and correct it. On XX/XX/XXXX after many letters sent requesting that XXXX XXXX and XXXX XXXX XXXX XXXX be removed from my credit report as this alleged debt is false and inaccurate, it was removed. Only to be put right back on the credit bureau today XX/XX/XXXX. This has been a constant back and forth game with willful violation of the FCRA by these three credit bureau reporting agencies the item is removed, then put back on with out any notice at all to me by Transunion, XXXX and XXXX. It was removed again back on XX/XX/XXXX, this is a violation of the law. Then put back on. It was removed again on XX/XX/XXXX and put back on again. It was removed again on XX/XX/XXXX and put back on again. These are the games violations of the FCRA that TransUnion, XXXX  and XXXX  as they are in engaged in defamation of character and fraud. By the way I have provided all three credit bureau reporting agencies with copies of letters sent certified mail and registered mail to these credit bureaus requesting proof of these alleged debts and not on of them have provided proof, since they cant provided proof of accuracy to me I asked all three credit reporting agencies to provided me with the proof that these collection agencies provided to the, and not one credit bureau reporting agency has provided that XXXX me since XXXX. They should be shut down permanently for their willful violations of the FCRA.

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 2020-10-08
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After I went on the Rocket website, I have received hundreds of solicitation emails from companies I have never done business with. The emails are turning sexual in nature. I contacted Rocket Mortgage and never got a reply. 
I have attached an example.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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: Was not notified of investigation status or results

Complaint:
There are accounts under my name that is a result of Identity Theft as well as unverified items wrongly placed in my credit report. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove 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 2017-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Told them to stop calling my number was register to the National do not call registry, and i never give them permition to call me, but they keep calling me, and also calling my husband disclosing the reason of the call, treating me. They keep harrassing me, calling always from diferent numbers. ( XXXX ) XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX They keep violating the concent order imposed by CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: PA
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:
Around XX/XX/20 I applied for forbearance with my mortgage company ( XXXX XXXX XXXX ) due to the impact of Covid 19. Under the " Cares Act, '' this was not supposed to impact my credit report negatively, which it has. My equifax score dropped over 70 points by them making there report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Navient Solutions, LLC.
State: DC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX. I have new information associated with prior complaint # XXXX. On XX/XX/2022, NAVIENT received a letter requesting information for the purpose of validating an alleged debt. It is now XX/XX/2022 and no correspondence from this company has been received. NAVIENT has purposefully ignored my request for validation of the alleged debts, thus violating my federal rights. NAVIENT is still illegally reporting negatively to all consumer credit reporting agencies, which is another violation. 
If documentation in the form of account ledgers, promissory notes, disclosures, etc are not received from NAVIENT, 5 days after receipt of this complaint ; it will be assumed that the alleged accounts are not valid and all collection attempts must cease. Also, all accounts must be deleted from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: Experian Information Solutions Inc.
State: NY
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 paid a collection that I had with XXXX XXXX in XX/XX/XXXX and it is reflecting on my credit report as a Collection still in XX/XX/XXXX. There has not even been a status update of PAID on the credit report. I am trying to build my credit and this negative that is reporting on my report is hindering my scores and my ability to do other business. 
The account in question is XXXX XXXX XXXX # XXXX reporting as a collection on EXPERIAN only in the amount of {$360.00}

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 2019-07-09
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX # XXXX is reporting a debt I do not owe. I was not informed of my 30 day right to dispute nor have they provided any proof that this account belongs to me or that the debt is valid. I would like this account to be removed off of 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 2020-10-08
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying for three weeks to contact my mortgage company about paying off my loan. After over 25 calls and promises to assist me by the company I have heard absolutely nothing from them. I set up an account with the information on my monthly mortgage statement and upon signing in to conduct my business it said it does not recognize my information. Every time I cal them ... the system hangs up on me ... You can not reach the company itself but third-party phone intermediaries which no nothing and do nothing. It seems you would like me to pay my mortgage for ever to continue paying the interest rate on this when all I wish to do is pay my loan off in full. Please help!

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
After numerous attempts to rectify the situation I have been unsuccessful. TransUnion is reporting that I have a Discharged XXXX  XXXX Bankruptcy which is not correct. If they truly did do an investigation as per 15 U.S. Code 1681i ( a ) they would in fact see that I do NOT have a discharged bankruptcy. I have personally checked on PACER to verify that I do NOT show a XXXX  XXXX discharged Bankruptcy. I have disputed this with Transunion ( at least ) 3 documented times with no success ( on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The other 2 credit reporting agencies do not report a discharged XXXX  XXXX bankruptcy. With TransUnion reporting this inaccurate information its affecting my ability to get a mortgage loan and if this isn't resolved through this complaint will be forced to next take legal action.

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 2017-12-26
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been locked out of my virtual currency account. Coinbase has my money trapped inside there system. I went to use my account one day and coinbase had logged me out, I went through the 2 step verification process and for no fault of my own the verification failed. As a result my account is locked with roughly XXXX inside which can not be accessed. I have emailed, rang, posted to XXXX and XXXX and although I have received a reply telling me they are processing my request it has now been locked since the XXXX of XXXX. My case number is XXXX. I simply want the account unlocked as there is nothing wrong with it and I have reset the password as coinbase requested. 

Kind regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I discovered a fraudulent charge to my Chase checking account from XXXX XXXX for {$2100.00}. I called my bank and they reversed the charges. On XX/XX/XXXX, I received a document from Chase Bank saying that they were reversing the charge to my account. When I called Chase, they said they could do nothing about it since XXXX XXXX refuses to reimburse the funds taken. I called XXXX XXXX and they refused to refund the money since the person who took the funds had my debit card information, including the three digit code on the back of the card. I am waiting for a fraud id number from XXXX XXXX. I was told to take this information to my local police force 's fraud division. Even with all of this, there is no guarantee that I will get my money back. From what I understand from my conversations with Chase and XXXX XXXX is that there were areas that both companies could have done to stop this from the beginning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attended a college in XXXX from XXXX - XXXX. My federal loans were managed by XXXX XXXX XXXX I had several forebearances while living in XXXX XXXX ( XXXX ). I switched to an IDR plan after reading a XXXX article and watching some XXXX videos ( about the XXXX heir who became a government secretary education [ XXXX? ] ) in the period between XXXX. 

Before I switched to an income-driven repayment plan approximately {$20000.00} of interest was added to my principal loan balance. 

I want to have my loan amounts adjusted downward. As an XXXX my credit score is particularly precious. I have lived in XXXX since XXXX. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A lender 's failure to pay the requisite taxes rendered the note and mortgage unenforceable, making the instrument unenforceable when the final judgment was entered. For clarity see Fla. Stat. Florida Statutes 201.08 ( 1 ) ( b ) & 199.282 ( 4 ).

Florida statute 201.08 ( 1 ) ( b ) - " The mortgage, trust deed, or any other instrument shall not be enforceable in any court of this state as to any such advance unless and until the tax due thereon upon each advance that may have been made thereunder has been paid. '' 199.282 ( 4 ) - '' No Mortgage, deed of trust, or other lien upon real property situated in this state shall be enforceable in any Florida Court until the nonrecurring tax imposed by this chapter, including any taxes due on future advances, has been paid and the clerk of circuit court collecting the tax has noted its payments on the instrument or given other receptor it ''. See original terms of the note attached herein. The loan amount on the original note was {$240000.00}, the allege loan modification from XXXX reflects that the loan increased to {$350000.00}, on which XXXX never paid XXXX dollar for it. Because the loan amount increased, XXXX  were supposed to record and pay the taxes due on the instrument before the judgment was entered in order to have enforceability. As of today XXXX has still not paid one dollar over the loan increase nor record the instrument. The judgment was void at the time it was issue by the court and therefore the judgment can be reversed due to the fact that as per Florida statute mentioned, a lender does not have ANY ENFORCEABILITY IN ANY COURT ROOM WITHIN THE ENTIRE STATE OF FLORIDA. READ THIS AGAIN AND AGAIN SO YOU CAN GET IT. SEE FLA. STAT. 201.08 ( 1 ) ( B ) ,199.282 ( 4 ). NO ENFORCEABILITY, READ IT AGAIN

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I was contacted by Quicken Loans regarding a VA Refinance Loan. I am a XXXX XXXX   XXXX FEMALE VETERAN with an XXXX XXXX. I also receive XXXX XXXX XXXXXXXX from Social Security ( SSDI  ). Employee XXXX XXXX asked me to fax documentation required for the process. I did, she informed me she received them. She said that she pulled my credit score & I did qualify for a VA Loan. I had poor communication with XXXX XXXX. On Sunday, XX/XX/2020 I received a Text Message at XXXX XXXX  asking if I was available to talk. I replied yes. After 10 minutes without a call I sent a text requesting a call back after XXXX. It never came. After leaving numerous voicemails and emails, I was contacted by a different employee, XXXX XXXX, on XX/XX/2020, informing me that she would be working with me. On XX/XX/2020 we discussed my loan & options. She notified me that she needed to run the numbers by her Financial Manager. Friday, XX/XX/2020 she informed me my credit score was too low. She said they require a score of XXXX & my score was XXXX. She said they had a program called Fresh Start that helps people in my situation. She said she would transfer me & then I was disconnected. I feel like QUICKEN LOANS disrespected me. I feel mistreated in regard to this loan. I was given no opportunity to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: NJ
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:
This account was removed due to identity theft and now Experian is reporting it again which is a total violation

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 2022-04-06
Company: Paypal Holdings, Inc
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Paypal let XXXX charge me for fee, but i never gave XXXX my credit card ever.My credit card is New replacement XXXX  gave me, Like i told FTC XXXX, Paypal, XXXX, XXXX, XXXX all some how saved my credit card file with Drop-Down Menu i only gave my new card to paypal, i gone through set-up.XXXX  have no permission charging fees for XXXXXXXX XXXX XXXX XXXX XXXXXXXX design and they have me test games.Games XXXX owes me over XXXX XXXX i download games not paid me yet.But XXXX /developers say they monitor me and data.i got proof of transaction XXXX owes me monthly payments ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: WV
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Company: World Acceptance Corporation
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 two accounts that are reporting twice each. I originally had an account with World Finance and Peoples Finance both in XXXX SC. Eventually one bought the other company so the account is on my credit report four times. It was sold to XXXX XXXX XXXX XXXX. I settled the two accounts and had it removed under the " World Finance '' umbrella but its still reporting under Peoples Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 XXXX from XXXX XXXX XXXX XXXX XXXX ( Asset Recovery Department ) called and left a voicemail about my checking account. I returned her call on XX/XX/XXXX and I agreed to pay the balance in full, and XXXX assured me that it would NOT go on my credit. She said I paid it just in time, before it was charged off. She said it was going to charge off on the XXXX. I got my credit report in XXXX and saw that the account had charged off with a " XXXX   '' balance. I processed a dispute with all three credit bureaus, and they all came back as " confirmed ''. I called XXXX XXXX to speak with XXXX again and she did not fully remember our conversation and did not put adequate notes in the system to verify our conversation. She said I should write a letter to quality control, which i did. But i feel taken of, and i feel that i did everything I was told, but XXXX XXXX was deceitful ( XXXX ). I do not want this to affect my credit, because i was told that it wouldn't. I also did not have the money to pay it in full, but did so anyway to prevent any issues with my credit. Please Help!

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 2019-01-25
Company: Clarity Services
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have been receiving " per-qualified '' offers and cash advances. I went to XXXX and opted out like all of them said to do. I received and mailed back the form to be permanently opted out. I am still receiving offers. One of them has XXXX  and one of there divisions XXXX XXXX XXXX or Clarity Services Inc ( as their e-mails says ). 

I contacted Clarity and was told I had to opt out with them directly and they were not part of XXXX. They are part of XXXX  their own customer support e-mail says they are. 

I believe this is all just a way for XXXX  and other Major credit bureaus to get around the opt out. They are making a lot of money with " selling '' my information so why would they stop. There is no incentive for them to stop. We don't have any ability NOT to be on any of these and we have no rights over how our information is used. We should be compensated by any company that violates the opt out.

Company response to consumer: Closed with explanation