BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-29
Company: EQUIFAX, INC.
State: GA
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:
Hi, So I placed my freeze on equifax and XXXX and yesterday the loan officer for my mortgage asked me to unfreeze it which I already did after login on to the portal. 
He tried pulling my score but has been unsuccessful ever since. 
There is nothing wrong with my data because the loan officer is able to pull my score from experian so it tells me that the input data is correct. 
I called up equifax and i online chatted with XXXX and they confirmed that the freeze is lifted. 
I do not have any other ideas as they keep telling me that there is no issue to pull the score but my loan officer has sent me image evidence that the scores do not show. 

I am not able to proceed with my mortgage application which is very critical for me right now. Could you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A few months ago I discovered an account on my credit from I C Systems. I reached out to the company immediately because I had never heard from them before and the account according to my credit said it was for a veterinary bill- I don't own any pets. 

They removed the account but apparently they sold the account to a company called XXXX XXXX XXXX whom also placed the account on my credit without contacting me first. I sent them a letter as well and the unknown account came on my credit while I was in the middle of financing.

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 2022-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX when attempting to take out an auto loan I was notified of a delquent account from capital one with a balance of {$20000.00}. They stated this card was opened in XX/XX/XXXX and this was the first i was hearing about it. I called Capital One immeaditly to notify them this was not my account. I filed a police report as well as filed a notice to the FTC. On XX/XX/XXXX a bill was sent for the fradulent account, I contatcted Captial One to inform them there must be a mistake they told me they found me liable for the card and provided no information on how they made this determination. Captial one refused to reopen the fraudulent investigation despite my notification that there is no way this could be mine. 

I have another valid tradeline with Captial one and it has always been paid as agreed. Capital one should be able to see first hand by looking at their own records and the credit report they would have pulled when the account was opened that I always pay my bills on time and that my credit is very important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband XXXX XXXX was going through some health issues which resulted in 4 months behind on the mortgage payments. On XX/XX/XXXX my brother-in-law XXXX XXXX, contacted XXXX XXXX to pay all the late mortgage bills which he was given a total of {$4100.00} XXXX Confirmation # XXXX XXXX. My brother-in-law insisted that he wanted to pay all the late mortgage payments until XXXX XXXX ; allowing my husband and I to begin making payments onXX/XX/XXXX Whoever spoke with my brother-in-law from loss mitigation department advised him that " she '' will cancel the transaction and the new total was {$5100.00}. The amount of {$510000.00} was paid onXX/XX/XXXXat XXXX ( Confirmation # XXXX XXXX. A week later my husband and I began to receive daily phone calls from Home Bridge. I attempted to return the call 3 times ; however, I was left holding on the line for over 20minutes and no one would speak with me. I didn't really think it was anything bad or to worry about because I knew we were caught on the mortgage untiXX/XX/XXXX Tonight,XX/XX/XXXXI logged into my account and learned that I was covered until XX/XX/XXXXand not XX/XX/ as requested. I don't have issues paying the bill, but I have a huge issue with the employee that did not perform the job well and my husband and I will be suffering the consequences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion continues to report an account XXXX & XXXX they claim was deleted. I spoke to an agent on XX/XX/2022 and he told me that this account was removed from my consumer report. I pulled my Transunion consumer report on XX/XX/2022 and this account is still being reported. I also contact Transunion in regards to other accounts reporting on my consumer report. I asked the agent from Transunion if they will continue to violate my consumer rights and had replied " Yea, OK several times. I sent Transunion a letter which they received on XX/XX/2022 of instruction on how I want my consumer report to be furnished. This is in accordance with 15 USC 1681b ( 2 ) permissible purpose. This Federal law is also on their website. Transunion has refused to comply with the FCRA and has been negligent in its reporting. I also reached out to corporate to resolve this and have not received any response. Transunion is liable to me the consumer under 15 USC 1681n, Civil liability for willful noncompliance.

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 2021-06-16
Company: Rocket Mortgage, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
MY MORTGAGE COMPANY QUICKEN LOANS GAVE ME THEIR NUMBER FOR XXXX  AT XXXX. THIS NUMBER CONNECTED ME TO A SCAMMER. THE AUTOMATED CAME ON FIRST AND ASKED FOR MY NAME, I PUT IN THE FIRST LETTER AND IMMEDIATELY A MAN WITH A FOREIGN ACCENT CAME ON THE LINE AND REQUESTED MY SOCIAL SECURITY NUMBER. I IMPULSIVELY GAVE IT TO HIM. THEN REALIZED THIS WAS NOT RIGHT. I TOLD HIM I FEEL UNCOMFORTAGBLE. HE RESPONDED, " I UNDERSTAND. '' I IMMEDIATELY HUNG UP AND CALLED XXXX AT QUICKEN LOANS. SHE TOLD ME SHE GAVE THIS NUMBER TO OTHER CUSTOMERS WITHOUT A PROBLEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX  XXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$53000.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$13.00}. The original creditor is XXXX XXXX XXXX  XXXX 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 

I could not qualify for a home equity loan due to the fact these accounts are negatively affecting 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 non-monetary relief
Consumer complaint received 2022-01-30
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:
The injuries and inaccurities remain on my credit unverified. Transunion continue to provide and furnish all of these inquiries on my credit profile under my social security number. I have proof of XXXX priority postages that my disputes was indeed signed for. Transunion continue to ask for proof of identity when I sent them a utility bill, ID, and a copy of my social because they demanded I turn these forms over to verify the account. I now they are committing fraud on behalf of my social security number. The inquiries is still unmarked or disputed to this day. Please Remove Now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I purchased concert tickets for {$580.00} from the website, XXXX using my Chase Visa debit card. Because of the pandemic, the concert was first postponed. Then the concert was officially canceled sometime in XXXX. The merchant 's policy was if the event was canceled customers would be entitled to a full refund. I first filed a complaint with Chase in XX/XX/XXXX because the concert was obviously not going to be rescheduled anytime soon. Chase declined my claim because they say the concert was rescheduled, and not cancelled. I then disputed the resolution once the concert was officially cancelled. Chase still does not want to refund me the money, although I've provided significant proof that the concert was cancelled, and the merchant ( XXXX ) will not refund me the money themselves because Chase has already come to a resolution. XXXX already have a bad reputation for scamming customers out of their money XXXX XXXX XXXX XXXX Now, the merchant will not refund me my money or give me credits for future events, so I am out of almost {$600.00}. It's completely unfair that Chase as my bank will not mediate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is the XXXX time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}

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 2021-12-23
Company: Experian Information Solutions Inc.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-03-24
Company: Midwest Recovery Systems
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Midwest Recovery Systems reported to my credit on XXXX  and XXXX  XXXX XXXX stating they were a collection company that took over a XXXX  XXXX  I received from The XXXX XXXX. I paid the amount of {$590.00} XX/XX/2020. and now finding out that they have lied and reported to my credit and stolen my money. The actual account was sent to XXXX and they are now asking for the collection account from The XXXX XXXX. I have call Midwest Recovery System numerous times and all the numbers are disconnected. 
XXXX XXXX XXXXon Bank Transaction {$590.00} XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} XXXX  XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$40000.00} XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX XX/XX/2023

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

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

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm hoping that the following disputed accounts will be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Paypal Holdings, Inc
State: MA
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:
On XX/XX/XXXX, I dialed a number for XXXX XXXX to get help resolving my printer. XXXX to me, the agent I was connected to is not an XXXX employee, and he gained access to my computer to fix drivers any other issues stopping my computer from communicating with my printer. While he was supposedly fixing the problem, which took XXXX XXXX hours, ( and my printer was still not fixed, BTW ), he gained access to my PayPal account, and Banking accounts, and my XXXX account. 
He submitted a chage of {$1500.00} to Pay Pal, ( and they added a XXXX fee for the cash charge ) which was tied to my XXXX XXXX XXXX XXXX, and they authorized the payment as an authorized payment. I notified PayPal of the breach within 1 hour of the ended session with the indivual. They supposedly investigated, and are denying that this purchase was unauthorized, saying that this transaction was typical of charges on my PayPal account. I pointed out that I have NEVER sent cash to someone through PayPal or my XXXX XXXX XXXX, and have never made a purchase of such a large amount either. There is no address, no company name or telephone number for this individual, who's name is XXXX XXXX. There is also no explanation of services rendered. 
I also alerted my credit card company within XXXX hour and discontinued the card associated with the XXXX account. I am still waiting for XXXX XXXX XXXX  XXXX to take the charge off my credit card, and don't know at this time whether this will be resolved. 
He also tried to transfer {$1500.00} from my savings to a debit card, which my banking institution XXXX XXXX XXXX XXXX did fix right away. I the set up all new accounts and numbers with my local XXXX XXXX rep. 
He then went to my XXXX account and charged 5 Reload cards, each with a value of {$200.00} so he could shop at will. 4 of them were cancelled, but one of the 5, valueing {$200.00} was charged to my XXXX XXXX XXXX XXXXXXXX card before it was cancelled. 
I am still waiting to see if XXXXXXXX XXXX  will take this off as well as the {$1500.00} from PayPal I'm a senior living on a modest income, and really can't afford to pay these unauthorized charges and hope someone out there will follow up on my case. He gave me a tel # to call him back directly, and I actually have a name. Does anyone really investigate these cybercriminals?.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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