BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Please remove the following inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX G XX/XX/XXXX. Please delete these inquiries ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My issue is with Quicken/Rocket Mortgage, we applied for a conventional loan and they set it up as a FHA loan. The real estate agent sent them emails letting them know we want a conventional loan. I paid {$XXXX} for an appraisal that would not pass the lender under a FHA loan. They deliberately did this and refuse to change the loan to conventional. I would like my money back for their deception in this process, they were looking into making a quick buck and not assisting me acquiring a loan. 

Date : XX/XX/2019 Amount : {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/2019 I was an employee at XXXX & XXXX. My aunt passed away and i was admitted into the hospital on XXXX work related stress. I was approved fmla for the time off and paid by the company. when i returned i was XXXX. I was billed for company items that were given to me on discounts as an employee. My bank accounts were closed. I never did any business outside of being a company employer. I don't know who is asking me for money. I was not allowed around company properties during a year long investigation and grievance during the pandemic. I never signed a contract nor I gave permission to pass information to a 3rd party that I never heard of post pandemic. This company did not verify a debt without sending written information or notification post pandemic. I dont know why I owe this company the dates are between XX/XX/2019 to present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX 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 : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with an account listed under RMP Services LLC. I requested a validation on XX/XX/2019 as there was XX/XX/2019 I reviewed my credit profile again as RMP Services LLC had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit  bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased an amex giftcard with the amount of {$30.00} on it. When I went to use it, it would not work anywhere online. I tried it on XXXXXXXX XXXX XXXX XXXXXXXX and it did not work. It keeps telling me " authorization failed ''. I made sure that my total was under {$30.00} so I know its not about insuffiecient fees. I did some research online and found out so many people have had this problem on trustpilot. This is a disgusting company that is so obviously a scam. I have provided multiple attachments as proof. This is XXXX. If I do not receive a refund, I will have to take legal action to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting my Account inaccurately at first I mailed them to prove their must have been something wrong because I do not ever remember having any collections on my account then when they responded back to me I looked further ino the account and notice it had some issues in its reporting Collection should be coded under " OTHER '' or " O '' not as either a INSTALLMENT ( " I '' ) nor as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of proper TYPING creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! 

See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

Also this Account his inconsistent Dates of last payment and last activity which makes it very hard to consider verifiable or accurate FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the XXXX Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ). 

U.S. Code1692e.False or misleading representations 8 )  Communicating or threatening to communicate toany personcreditinformation which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. 




This Account has been disputed multiple times all i have received is itemized letters which do not satisfy the explanation of the debt according to the FDCPA and the FCRA, I have received no explanations for the balance and past due balance still reporting on a charge off or different DOLA and as I XXXX information on this issue with the company I can clearly see I am not alone various consumers suffer this same issue which will eventually lead to a consumer lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am a victim of a declared disaster. My finances suffered severely after losing my job due to COVID. I contacted my creditors to inform them of the hardship. Two of my creditors made payment arrangements. Which I kept. One of the creditors ( XXXX XXXX ) also put a comment on my account stating that I am a victim of a natural disaster. The other creditor ( XXXX ) accepted my payments, did not comment or flag my account, closed it,, and charged the account off. I disputed the inaccuracy with Transunion who conducted an " investigation '' that found that the XXXX account info is " accurate ''. There was a link to view my " current report '', which still shows inaccurate information on the XXXX account.

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 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 received an email alert regarding an inquiry of my credit report that I haven't authorize. I don't recognize that inquiry. I call TransUnion and they said they can not erase that inquiry from my credit report. I asked them to start an investigation and they refused. 

The inquiry : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested on : XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/2018 I made a payment to U.S. bank in person in XXXX, Washington for XXXX. They have been having problems processing payments because they have a credit card number that is different than the statement dual credit card numbers. I called U.S. bank on XX/XX/2018 at XXXX. The credit card had my wife and I listed and they stated I was a employee and not authorized to speak to them. I demanded to talk to the supervisor and escalated to the manager. The manager refused to turn this over to a officer of U.S. bank stated " Need it in writing ''. I asked to speak to their lawyers she refused to cooperate. U.S. bank did not post the XXXX payment on XX/XX/2018 and did not mail the bill or have a online statement to print out. U.S. Bank states their logo " all of us serving you '' looks like a false statement.. I am going to have to ask for a fraud investigation into this incident for the following reasons : 1 ). Failed to post XXXX payment on XX/XX/2018 FCRA violation XXXX fine 2 ). Failed to mail out a bill or make available a online statement to print out fdcpa violation XXXX fine 3 ). Civil action possible under arbitration for personal damages to be determined.

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 2023-08-24
Company: EQUIFAX, INC.
State: NC
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 items 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 items 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. 
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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: NY
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:
My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: BARCLAYS BANK DELAWARE
State: CA
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:
In mid-XXXX  2019  I called Barclaycard to request a replacement card because the chip was malfunctioning. On XX/XX/ 2019, I still had not received my new card, I received two e-mails from Barclaycard. The first stated that my new card had been activated and the second stated that my PIN number had been changed. As soon as I read these e-mails I logged onto my account and I saw a charge for {$900.00} that I did not make listed under temporary authorizations. I immediately contacted Barclaycard and informed them that I never received the credit card and therefore did not activate it or change the PIN number. They verified the last known purchase I had made, which was for XXXX XXXX the day before. They asked me if I made a purchase at a XXXX gas station and I replied no. They stated that they would remove the charges, open a fraud investigation on the charges, and issue a new card. This time the card would be mailed via XXXX  with tracking. On XX/XX/ 2019 I received a voice message from the fraud department at Barclaycard stating they had some additional questions regarding my claim. I called back and received a message stating the department was closed on Sundays. I left a message and asked for a call back. On XX/XX/ 2019 I called Barclaycard again because they had not returned my phone call. I was told by the agent that I will be receiving a letter dated XX/XX//2019 indicating my claim was denied. I was told that my claim was denied because their system showed that the credit card was activated from my phone number on file and that the charges would be placed back on my account. I informed the agent that this was impossible because the phone number associated with my account is my cell phone and I had my phone in my possession the entire day, spending my afternoon/evening at my daughters dance recital. The agent informed me that the charge for {$900.00} was a cash withdrawal from a XXXX  XXXX XXXX that was located 7 miles from my home. She suggested that I file a police report to see if surveillance footage could be optioned to aid me in my investigation. I asked her how could I appeal their decision and if I was able to obtain such footage, how could I send that to them so they would take the charges off of my account. The agent informed me that I would have to find resolution for these charges outside of the credit card company and no appeals could be made. I asked her how I was supposed to find resolution and get my money back and she suggested maybe I would recognize the person who used the card and then I could file a civil law suit but that there was nothing else the credit card company would do for 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 monetary relief
Consumer complaint received 2023-08-24
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Refinanced original mortgage with NewRez/Shellpoint with XXXX XXXX in XX/XX/2021. Paperwork was incorrect and officer told us to cross out maiden name and put new name. The old mortgage closed and the new one opened. Paperwork was not accepted with crossouts so they made an appointment with us to file the new paperwork in XX/XX/2021. We were told not pay anymore on the old mortgage as it was closing. They decided to report a missed payment to the credit bureaus in XX/XX/2021 from XX/XX/2021 even though we were told to disregard anything that came from the old loan. This brought my credit score down by roughly almost 100 points. XXXX originally immediately followed up with NewRez 's escalation team to figure out what happened back in XX/XX/XXXX. There was never any follow up and neither the escalation team or XXXX have followed up with me to get the problem fixed. We continue to pay on the new correct loan with no problems going forward. However, the old loan was clearly sloppily closed. You can see I have no history of ever missing a payment on any of my accounts. Please help address this problem and getting the one missed payment improperly applied off of my credit record. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX 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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. St
ates 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