BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am worn-out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XXXX  and to notify them that I am halfway of taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
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:
I DEMAND TO KNOW A REASON AS TO WHY THE CHARGED OFF ACCOUNT FOR XXXX  XXXX XXXX IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. IT'S AN ACCOUNT THAT WAS OPENED IN 2002 AND IS WAY TOO AGED TO STILL BE REPORTING ON THERE. AFTER SEVERAL ATTEMPTS AT TRYING TO GET THIS ACCOUNT REMOVED, NO RESPONSE HAS BEEN GIVEN TO ME NEITHER HAS ANYTHING BEEN DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE I HAVE GOALS I NEED TO ACHIEVE, AND IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT. PLUS, IT DOES NOT ALLOW ME TO MOVE FURTHER IN LIFE.

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 2021-10-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Rocket Mortgage, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Advertisement and Soliciting : I received an email this morning from XXXX XXXX with an offer to receive a {$2500.00} ( XXXX XXXX and XXXX XXXX Dollars ) Statement Credit if I close a Mortgage Loan through 'Quicken Loans/Rocket Mortgage '. The issue is with Quicken ( not XXXX XXXX ). 

I am pretty sure its illegal to Solicit Mortgage business with an incentive of 'Cash ' or 'the Like ' if a consumer uses the mortgage service. There are a ton of small lenders nationwide that get in trouble with advertising and soliciting. In yet, somehow, the biggest Mortgage company in America can be this bold in soliciting business with a 'Cash or the Like ' incentive. With an email offer from one of the biggest Credit Card companies in the world. 

How does an offer/incentive, with a company as big as such, get to this point without anyone checking to see if they can even do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-03-26
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:
Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and cred.it inquiries on my credit report without my knowledge I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I am a victim of identity theft. I have attached the FTC report below along with my driver 's license and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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:
This account is reporting late as reported in my Experian and XXXX Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX Opened : XX/XX/2012 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 2023-02-13
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Mohela customer service provides no option to speak to a representative. I made more payments than needed for Public Service Loan Forgiveness, and Mohela sent me paperwork stating they still can not forgive the loan. This is the issue I need to discuss with a representative from Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25
Company: Financial Business and Consumer Solutions.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint involves two things. The options would only let me choose one at a time.
I received a letter on XXXX XXXX 2017 from FBCS , Inc. in an attempt to collect a debt. My first complaint is that the debt is not valid. I ordered a XXXX  Scanner online years ago. However, I returned it soon after I got it. I decided I did not need it. A few months later, the XXXX company started contacting me about the payment for the product. I communicated to them that I had returned it months ago. They acknowledged it must have been an oversight on their part, apologized and I have n't heard from them since. I thought it was over and done with, until I received a letter from FBCS, Inc. on XXXX XXXX 2017. The letter is attached. I responded to them in writing and explained that I returned the product years ago. It 's been nearly 10 or so years. My letter is also attached.
My second complaint is that after receiving a letter from FBCS , Inc. and responding to FBCS , Inc. in writing, I have received a response letter from XXXX XXXX XXXX XXXX. thanking me for my inquiry, but informing me that I need to contact FBCS, Inc. from now on because the account has been forwarded to them. That letter is attached as well. I 'm inclined to believe that this is a " run around '' tactic to avoid actually clarifying or responding properly to my response letter, not to rectify it. I never sent anything to XXXX XXXX XXXX XXXX I only sent a letter to FBCS , Inc. and now XXXX is sending me a letter to contact FBCS, Inc. going forward. This is deceptive and inappropriate practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, XXXX we were sent our XXXX mortgage statement from NEW REZ, showing an increase from {$940.00} monthly payment to {$1000.00}. Upon calling NEW REZ there explaination was that this was a hypothetical guess at our taxes for XXXX and that this increased amount would continue well into XXXX, to at least XXXX. WE ARE SENIORS. WE HAVE A SENIOR TAX FREEZE WITH THE COUNTY WE LIVE IN. What right does our mortgage company have in raising our monthly mortgage unconditionally because of their tax guessing game. We told them that we have a Senior Tax Freeze, which got no reasonable response from them. They are in fact putting our money into their pockets on a pure guessing game about taxes, and taking it from us during a COVID crisis, a legitimate tax freeze, and our good record of never being late with our mortgage payment. The previous mortgage company we had, which sold our mortgage to New Rez, pulled a similar outrage by not putting enough money into our escrow for taxes, and then charging us more. The bottom line with this complaint -- -We have a Senior Property Tax Freeze, and it is outrageous that New Rez isn't considering this in their ridiculous and costly guessing game.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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:
I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. The staus must be fixed for the accounts : US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00}

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 2019-10-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2019 I received letter changing credit card ( USAA ) fees. Cash Advance Fees  would be fixed at 3 %. On XX/XX/2019 I received promotional " convenience '' checks ( USAA ). The letter clearly noted these checks carried a {$75.00} maximum per transaction Fee. The promotional letter has no expiration date. 

On XX/XX/2019, I cashed a convenience check, provided with the XX/XX/XXXX promotional letter, in the amount of {$30000.00}. USAA charged me a cash advance Fee in the amount of {$900.00} or 3 %. 

I contacted USAA directly. USAA refused to honor the XX/XX/2019 promotional letter and referred me to the prior XX/XX/2019 change of terms letter. I believe this to be misleading if not fraudulent, and, quite frankly, I am shocked given my 25+ years of banking and insurance experience with USAA .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Experian Information Solutions 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:
My identity was stolen ; I have filed 2 police reports with my local police department and the FTC 3 times. I have a picture of a woman with a different race using a drivers license with my information from when my taxes were filed ; and I have an open insurance claim with XXXX for the theft. 

Experian took it upon themselves to add back a XXXX XXXX account that had been previously blocked and then when I called them they said that they were going to dispute it with the creditor ; which is a violation of my Federal rights.

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 2023-03-07
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX MI XXXX XXXX XXXX Balance : {$6500.00} MI XXXX XXXX XXXX Balance : {$0.00} MI XXXX XXXX XXXX Balance : {$730.00} MI XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 if accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) Section 5 states : No consumer reporting agency may make any consumer report containing any of the following items of information or 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 ) Section 1 states : 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 explanation
Consumer complaint received 2021-10-05
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The vehicle that I am purchasing, is finance through Tidewater. It is under a recall, on the engines The vehicle was towed to the dealership where i purchased it. The dealership stated that they could not look at the vehicle for three months and they did not know when it will be fixed. I reached out to all the four dealerships that service the vehicle and they stated the same. They also said they don't have any loaners available. It has been going on four months. They state that they are overwhelmed and can't do any better. I call every day and they say the same thing. I have explained this to Tidewater, but they still say it does not matter, I have to continue paying on a car that I do not have or use. I don't have anything to drive and don't know when or if I'll have something to drive. I want to work something out where my credit doesn't get bad for none payments, but it doesn't make sense to make a XXXX payment every month, on a XXXX XXXX XXXX that you can not drive. If Tidewater could work out something with me until or if I get a car back, or even if I can get a loaner, it would be helpful to me. I am a senior and this is very difficult with no transportation, but paying for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke to a Kohl 's Credit Customer Service Representative in XX/XX/2018 and spoke about sending in a settlement for my account as I was going through a separation that was causing a hardship on my financials. The Kohl 's collection representative said told me they would settle for a {$100.00} payment and gave me instructions to send the check with the details " Paid In Full By Settlements and send a letter with the payment in regards to our conversation. I did so on XX/XX/2018 and they indeed cashed my check but the account still remains on my credit report as a " closed charged off sold '' account BUT still showing I owe a balance. I have contacted via mail and by phone to get this resolved since its been over a year and they claim there was no settlement done. I have sent them copies of the letters and the endorsed check with the details showing on the front and back. In the last 3 weeks, I have spoken to several of their representatives ( ID # XXXX, ID # XXXX ) where I was told that yes they see the notes on the settlement in the system and that I would be getting a letter stating it was resolved by settlement and the credit reports will be updated. I was told this on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX however, when I called to check on the status on XX/XX/XXXX I was told they see nothing in the system even though I was told by the last 3 representatives that they saw all the notes. They are continues unprofessional and should be considered fraudulently games when I did everything I was supposed to do and followed the instructions of their company 's employee. I feel that the law should protect me as a consumer against a company like this. I attempted to leave a message for their corporate office legal department with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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:
My name is 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have never applied for credit with capital one and they have placed a hard inquiry on my report with out authorization. IT NEEDS TO BE REMOVED.!!!! 



Inquiry : XX/XX/2019 ( XXXX ) XXXX XXXX an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account with XXXX XXXX was removed and closed from my credit report on XXXX by XXXX XXXX XXXX XXXX XXXX Fraudulent debt was sold to new collector I.C System, INC. Date was opened on XX/XX/XXXX but didn't appear on my credit until XX/XX/XXXX. 

This account is identity theft. Police report was filed and is under investigation, along with that XXXX has been contacted as well but i waited months to hear back from them. I re-forwarded the police report to their fraud department. I have every right to know what number and address this credit company has in file because I have not recieved any phone calls, emails or mail that has notified me that this fraudulent collection was closed or reopened. I have lived in my current address for 5 years and not once received any mail from XXXX that account had been opened under my name or from either one of the collection agencies above. Because they clearly have the wrong information. I want this removed. I am a victim of identity theft.

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 2021-10-04
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sending {$500.00} to nephew in XXXX Remitly charge me {$9.00} supposed to put into my nephew checking accent in XXXX XXXX that was in Friday XXXX XX/XX/2021 around XXXX XXXX  today is XXXX XX/XX/2021 I still waited deposit according Remitly speak w XXXX XXXX  and told the customer support the system doesnt work but for my surprise I already sending 3 different amount to that checking account one for {$60.00}, {$50.00} and {$85.00} dlares and he received in five minutes in that transaction no was problem so I call back Remitly and let know what going on the supervisor XXXX promise to call but still the company they dont know where are my transfer of the {$500.00} and with the promise will come back to me in hour .now in pacific time I still waited for answers my call and nothing happen.

Company response to consumer: Closed with explanation