BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In my previous complaint to Transunion # XXXX I submitted complete and accurate Identity Theft reports with fraudulent inquiries listed. Transunion applied a fraud alert on my credit report but did not remove the fraudulent inquiries from my credit report so that my credit file can report accurate information. If someone used my identity to attempt to gain credit then how could you possibly verify it with the creditor? They would have to produce my wet signature. I list several inquiries so what company needed authorization? It was never clear. I took the liberty of contacting these companies with the fraudulent inquiries listed and they all had no knowledge of Transunion or any other credit bureau contacting them. I keep getting automated responses. These fraudulent inquiries are damaging my credit file. It's your obligation to report complete and accurate 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 2021-11-28
Company: EQUIFAX, INC.
State: MD
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:
I have never received any information on this account, nor the card itself. I reached out to XXXX to resolve the issue and they were not willing to help. I even went as far as to ask for a supervisor and the representative was rude and unwilling to compromise. He said there was no one else I could speak to and refused to give me his last name or ID number. He then, left me on hold for approximately XXXX minutes and hung up! I sent them a letter asking them to validate the account and they have failed to respond. I would like to resolve this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Ocwen Financial Corporation
State: DC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Ocwen Loan servicing LLC hired XXXX XXXX XXXX XXXX with forged documents and sued me in court for a discharged debt reinstated the debt and tried to extort XXXX+ from me. The debt was discharged prior to inception from XXXX XXXX who failed to entered appearance and failed to show. My HAMP was denied by XXXX and while unlicensed in XXXX they put me in another government program. Ocwen tried to reinstate the debt. XX/XX/XXXX. XX/XX/XXXX sent a notice I was in default. The letter did not conform to the requirements of a default nor was the loan accelerated. Instead they spent years pretending to put me in 5 HAMP programs to meet the government Standards and until the lawsuit filled in XX/XX/XXXX they documented on their own ledger the forgery of papers to foreclose, had people watching me outside, break in my unit. KEYS for cash was offered as it is NOT allowed in XXXX to enter a unit without keys. As a property manager i know from XXXX XXXX XXXX XXXX. they forged papers a transfer from XXXX to assign them my home. They have an unrecorded note without recourse they forged and put XXXX XXXX on there as the owner and then stamped in blank with no date payable in blank by XXXX XXXX in XXXX. Now XXXX the trustee of the XXXX XXXX XXXX claims it belongs to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Vermont Student Assistance Corporation
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I was going to school for XXXX and had private loans to help me pay for it through the company VSAC. The reason I chose VSAC is because I did not have a co-signer and they still allowed me to take out loans without a co-signer. During my third year I was undergoing XXXX XXXX issues and had an approved leave of absence for one semester by my school and I had told my private loan company ( VSAC ) and they did not object or hint at any issues with continuing my loans when I would return. When I was ready to return the following semester my private loan company refused to lend me a loan. They now said that I needed a co-signer. The original issue being that I did not have a co-signer, which is why I went with VSAC in the first place because I did n't need a co-signer when I took out private loans to go to school. It was during the prime recession and down fall of all private loans. My federal loans did not cover the cost of my schooling and I was unable to afford returning to school. VSAC was still expecting me to pay ridiculously high monthly payments without any degree that would have enabled a job remotely equivalent to the payments they were requesting. I struggled out of school with looming debts working jobs that did not require a degree and thus had lower pay. All the meanwhile VSAC aggressively tracked me and called me wanting payments for loans that they backed out on. It was frustrating, exhausting and demoralizing. They did n't see me as a person struggling to make ends meat without a degree that they originally singed up to help me achieve. They backed out, not me and they still wanted payment. It 's unreasonable. My loans eventually defaulted because I could n't keep up with their payment demands. They sent my loans to a collection company and the process has started all over again. Recently I was lucky enough to be able go to an affordable community college and have gotten an XXXX degree with the help of federal loans. I think it 's irresponsible for a private loan company to back out of funding someones college and still expect payment. Each year from the time of XX/XX/XXXX- XX/XX/XXXX I was able to take out private loans that ranged in amount of $ 20,000- {$30000.00}, this is without a co-signer. I have 4 loans from them with different interest each that still compile interest on top of what is owed. As of today my 4 loans are listed below with interest tacked on because that 's how the company shows me on their website. 1. {$20000.00} 2. {$27000.00} 3. {$32000.00} 4. {$20000.00} Totaling = {$100000.00}. Each month alone {$410.00} goes to just covering interest. Please help. There is no way that this is fair consumerism. Sincerely overburdened, 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 explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score with Experian ( ONLY ) has been decreased by 69 points in one day from " excellent '' to " Good '' they say it is because : 1. " Serious delinquency '' ( I HAVE NONE REPORTED ON MY REPORT ) All report " exceptional '' payment history! 

2. " Short account history '' 36 Years 9 mo. is my oldest open account. 

I have an excellent credit rating by both XXXX and 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 2018-03-02
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We contacted Rocket Mortgage / Quicken Loans regarding the purchase of a new home during this process talking to XXXX XXXX Mortgage Banker Email : XXXX Phone : ( XXXX ) XXXX, ext. XXXX Fax : ( XXXX ) XXXX NMLS # XXXX During the three way teleconference over the phone between my wife, myself, and XXXX we went over the options for our closing and APR 's availabe we agreed on a APR of 4.125 and {$2000.00} from Rocket Mortgage/Quicken and {$3200.00} from the builder to cover all closing costs. We would use the {$1800.00} remaining from the builder to purchase a refrigerator instead of using the entire {$5000.00} from the builder to Rocket Mortgage/Quicken which when discussed with XXXX as an option if we used the entire {$5000.00} that would result in a lower APR of 3.75. When receiving the closing disclosure on XX/XX/XXXX we identifed that Rocket Mortgage/Quicken did not call and discuss with us them taking the entire {$5000.00} towards closing which should have changed our APR from 4.125 to 3.75 which was prevously promised and told to us by XXXX. This is very unprofessional and very deceiving especially when I was being transferred from one duty station to another in a condensed time period. Rocket Mortgage/Quicken had ample time to notify use to get our consent prior to closing of these huge changes which they did not. XXXX 's supervisor XXXX XXXX fixed some of the mistakes on XX/XX/XXXX like the missing {$2000.00} promised to us from XXXX at closing but could not change the APR since this would alter our closing date of XX/XX/XXXX. As a result of their unethical practices we were forced to close on XX/XX/XXXX with an APR that was not promised to us if we gave Rocket Mortgage/Quicken the full {$5000.00} from the builder towards closing. We should have waited but as an XXXX XXXX XXXX with 22 years of service I could not do this to my family of five delaying the closing date that we agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: ALLY FINANCIAL INC.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Complainant : XXXX XXXX and XXXX XXXX Nature of Complaint : Because of a payment error by Ally Bank, I was charged fees and interest on my XXXX card on at least two occasions. 

Amount requested from Ally Bank : {$520.00} - {$320.00} in interest and fees. {$200.00} for the effort and time it has taken with all the emails, chats, and phone calls. 

Details : There have been at least two instances of credit card payments arriving late to XXXX. In both cases there were fees and interest. In the second case, the credit card was turned off. My familys practice is to pay in full by the due date. We dont hold debt except mortgages. 
Each time a bill arrives ( XXXX or any other ), I enter the amount in full and due date. This has mostly worked without issue for years. The Ally Bill pay site calls the due date the delivery date. This means that the bill must arrive on or before that day. XXXX bills are due on the XXXX or XXXX of each month. I have provided the dates of each payment in 2020 below. Until recently, I didnt know how money transferred from Ally to XXXX. XXXX told me that it was mailed. ( Note : the XXXX payment is now shown in the Ally statement, but XXXX has a record of it. ) In my conversation with XXXX, the nice gentleman told me that the XXXX bill was late by a few days. I explained that I used Ally bill pay and scheduled it correctly. It didnt matter to them. XXXX only cares about when they receive it. It doesnt matter if its lost in the mail, delayed, destroyed or anything ; they still charge a fee and interest when they dont receive a payment on time. They agreed over the phone to waive the fee and that amount has been subtracted from the amount Im requesting. 
I started a conversation with Ally about this. In my view, they accepted the responsibility of delivering payments by a certain date. If its late for whatever reason, they should be responsible. As shown in the email chain below, Ally has not accepted accountability. 
Allys remedy is in the future schedule payments days before the due date. ( See email below ) I have a couple problems with this. They should be experts in bill pay and make their own adjustments to deliver payments on time. Thats a burden put on me and any other customer that we are not fit to handle. I dont know the way bills are paid ( mail or electronic ). I dont want money out of my account for longer than necessary. If Allys goal is to pay bills for customers using their platform, they should have a quality control system to make sure mail is delivered on time. If that means sending earlier, confirming receipt, or whatever, thats what they should do. 
Ive spent significant time on the phone and webchat trying to recover losses to no avail.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY XXXX/XXXX  XXXX CR Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Tenant screeners ( reseller ) Contact Information XXXX XXXX XXXX XXXX, CA 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 explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THESE ACCOUNT ARE IDENTITY THEFT THEY DO NOT BELONG TO ME IT ALL

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 2023-02-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX # XXXX XXXX, WI XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$960.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$960.00} XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance XXXX {$960.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00}

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 2023-06-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Hello, CashApp has taken money away from me from refunds ranging from 80 $ -300 XXXX I have also not received any of these refunds and also have not received any help on getting these refunds pushed through, my paycheck also has not been deposited into my account, which is strange because it always goes through at the same time, every week, and every month. I have contacted all the merchants and they all said they have all processed the refunds fully through their end, its just cashapps end not fulfilling their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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 am interested in disputing alot of unauthorized information on my credit report with transunion that is hindering my file. checking my credit profile ive noticed alot of invalid information. this is hindering my file an stopping my approvals. please update all of the information requested.

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 2019-11-05
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: Information belongs to someone else

Complaint:
My XXXX XXXX XXXX XXXX Visa credit card is lost/stolen. The XXXX XXXX XXXX   XXXX Visa account number is # : 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 explanation
Consumer complaint received 2017-12-12
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
On 3 separate occasions I have submitted a formal complaint in writing to Experian requesting that all incorrect personal information be removed from my credit profile. I have sent a copy of my Drivers license and social security number with the correct Spelling of my name and that have refused to comply in removing XXXX XXXX XXXX and all accounts associated with that name as they do not belong to 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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
CREDITOR HAVE NOT VERIFIED THIS ACCOUNT WITHIN 30DAYS

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 2020-11-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I do not owe anyone anything : called on XX/XX/2020 at XXXX XXXX : XX/XX/2020 at XXXX XXXX and XX/XX/2020 at XXXX XXXX This place called from XXXX on numerous occasion and has left voice messages. 
The guy sounded foreign- he asked if I was so and so ; I said yes and then asked if my date of birth was this and if my social security number was this and my address. I told him I do not give out information over the phone and he would not, Tell me what he was calling about ; he just kept repeating it my information.I requested that they do not call again and then I just hung up, it was scary because I havent gave my info out and I dont have any bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I want this FRAUD ACCOUNTS removed ASAP!

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 2021-11-02
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I was called by a fraud company that used the caller ID of my utilities services company, XXXX. I was told that if I did not pay immediately, I would have my electrical services cut off. I sent four payments for a total of {$1900.00} through XXXX. I contacted my financial institution ( Chase Bank ) and they denied my claim. XXXX was also unable to help me since the money had already been transferred.

Company response to consumer: Closed with explanation