BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have gotten into the wrong hands.

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 2023-04-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have filed reports for identity theft and have even notified the 3 consumer reporting agencies over 3 months ago and nothing has happened. They have not removed anything nor have they mailed me anything. 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. I have never opened any of the accounts or the inquiries that have included in my reports and they should be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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:
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, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights.

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 explanation
Consumer complaint received 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In lieu of several attempts to have this matter corrected I am requesting that a human being investigate this matter personally and not a automated computer system. I do not owe this debt. XXXX XXXX and the credit bureau are in violation of my rights under the FCRA. By law I have the right to request documentation proving the debt is mine and is valid. XXXX XXXX has failed to provide any proof this debt is valid to myself or to the credit agency. Each time a complaint is filed against XXXX they claim the debt is valid without furnishing any documentation. XXXX, TransUnion and XXXX have also failed to formally review proof of debt by XXXX. I am again formally requesting that XXXX and the credit agency formally provide proof that this debt, balances and dates are accurate. If this matter is not resolved an investigated within 30 days I will be filling a civil suit against the credit bureau.

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 2021-05-21
Company: BAM Financial, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have tried to pull money out of my Binance.US account via ACH withdrawal. My account was locked previously for chargeback fees which have been covered, according to XXXX on binance.US customer support. Account was then unlocked, but now they have not sent me An email confirmation on my withdrawal, they have also not explained why I cant withdraw my money. I do not owe binance.us money on any chargeback fees, but they wont let me pull out my money, and Im about to lose my car, and my place of residence due to their faulty customer service reps. Im literally going to struggle, and die without this money. I have {$3100.00} in my account that is stuck in order because its still pending to be withdrawn. I just want answers.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-05
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ; CPS 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 explanation
Consumer complaint received 2020-11-30
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
RocketMortgage by Quicken loans has damaged my credit through their incompetence. 

On XX/XX/XXXX, I applied for a mortgage through RocketMortgage. I immediately began working on it with XXXX XXXX at Quicken Loans ( phone number XXXX ). The loan was approved XX/XX/XXXX. 

Through my credit union, I had a {$65000.00} Home Equity Line of credit that was due on XX/XX/XXXX. ( 69 Days after I initiated my refinance ) The mortgage was set up to pay off my existing mortgage and the home equity line of credit. I have over 50 % equity in my Townhouse and this should not have been a hard loan for them to process. 

Prior to verifying the final payoff amounts, they contacted my homeowners association ( HOA ) and got the condo requirements XX/XX/XXXX. But, I believe they forgot to contact them to get the homeowners insurance information that the HOA held. They did that later but they don't document that on their website. 

Ultimately, they received this. But, they must not have pursued this with any diligence as it took them forever to finish this task. 

At no time, did they inform me what the hold up was or ask for my help. When I called XXXX XXXX, he said they were busy and hadn't got to it yet. When i talked to their processing office, they blamed others for their slow response. Often, I got the feeling I was talking to someone reading a computer screen who did not know the details and was lying to me. Meanwhile, they were just stringing me along. 

In XXXX, they requested payoff letters for my mortgage and home equity loan but these were only good for 30 days. They let these expire, 75 days after I initiated the mortgage. 

Then in XXXX, they requested a new letter for the mortgage but forgot to request a payoff letter for the Home equity Line of credit. In fact, the processing office told me they requested the payoff letter. But, when i called my credit union, they informed me that RocketMortgage requested a payoff letter in XXXX but not XXXX. XXXX XXXX XXXX phone number XXXX ) at Quicken Loans confirmed their lack of due dilligence. 

By the time they realized their error, they informed me that they had taken too long and the payoff letters were expiring by XX/XX/XXXX XXXX 105 days after I initiated the loan ). So now, they are requesting new payoff letters for the month of XXXX. 

They have been working on this loan now for 105 days and counting. I provided all information they needed from me in XXXX. Meanwhile, my credit union informed me that because the {$65000.00} was due more than 30 days ago, it has now been reported to the credit agencies. 

This company, Quicken Loans, claims to have high customer satisfaction scores. But, my experience is they are not willing to make this right. They have offered me {$500.00} for my trouble. But, this has been a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2016 I was denied a XXXX  loan forgiveness request through Navient. The reason given is that I had taken out a second loan to pay for school after my first year of college. I had worked XXXX XXXX XXXX XXXX XXXX XXXX XXXX which qualified me for this loan forgiveness program. I want to know what recourse I have for this company unlawfully denying me the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Commenity Capital Bank has sold a number of credit card accounts that were fraudulently obtained and used in my name to a company called XXXX XXXX XXXX. Commenity sold these accounts knowing they had failed to provide proof of debt. In fact after ignoring numerous proof of debt requests they began stating that they had " sold the accounts '' which was in and of itself a fraudulent action given that they knew they were contested due to being fraudulently obtained. 

XXXX XXXX XXXX also failed to provide proof of debt, stating they would obtain that information from the original creditor. They did not not instead they wrongfully filed a lawsuit in the Second Division District Court of XXXX, XX/XX/XXXX The first I learned of this lawsuit was on XX/XX/2020 when I received a notice of their voluntary dismissal. 

They have been properly provided with affidavits, police reports, and FTC Identity Theft reports. In contrast they have never supplied anything I requested of them in terms of proof -- rather they negligently proceeded with a law suit without evidence in order to harass and intimidate me. 

If this debt were real they would have signatures on a contract. They would have an accounting for how the debt accrued. They would have itemized charges since it is a credit card debt. However, Commenity and XXXX have never been able to provide any of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
There were so many issues with the closing of my loan. First off, the disclosure had the incorrect rate. Then contrary to my request another disclosure showed that I would be receiving cash back at closing. That happened twice ... My frustrating situation was escalated to a loan processing manager- XXXX XXXX . As the disclosure was still showing I would be receiving cash back and the process to get it fixed is quite time consuming once again delaying the closing, he offered me a {$200.00} Visa Gift card to instead apply the cash back towards principal. I accepted the offer to move forward with the loan with the disclosure as it was. This was in XX/XX/2020. About a month after my loan closed I followed up with XXXX to see about the gift card as I had not received it yet. He let me know that it was pending approval in accounting. About 3 weeks later I followed up again with no response ... A month later I reached out again with no response. Another month later I reached out ( XX/XX/XXXX ) and he said he was under the impression the gift card was already mailed out and that he would ensure it goes out that week. Still no gift card after that communication. In XXXX I contacted him again. He wrote that he had reached out several times for my gift card. To this day ( XX/XX/XXXX ) I still do not have the promised {$200.00} Visa gift card. It has been 6 months now since the closing of my loan. I feel I have been falsely promised something I would never receive just so I would agree to move forward with my loan without having the final disclosure updated again. In spite of that, at the end of my refinance I had 5 different versions of my closing disclosure!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2022-04-21
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: Account status incorrect

Complaint:
Account : '' XXXX XXXX XXXX  '' Closed, reporting open.. 
Not only that they violated my consumer rights act ( 15 usc 1692e ) My whole life has been afflicted by this.

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 2020-02-21
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX are reporting incorrectly a balance due of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than what was owed and consequently there should be no outstanding balance due. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Stenger & Stenger, P.C
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I called Stenger & Stenger because I had agreed with them in XX/XX/XXXX to pay $ XXXX until I reached my settlement amount of {$2400.00}. When I called today to verify that I've met my duty to pay off the debt, I was told that I still owed about {$1200.00} because I didn't pay in XX/XX/XXXX, and that my settlement was nullified. I told the representative that yes, I had made my payment ; however, their system canceled my payment. When I discovered this was the case around XX/XX/XXXX, I called Stenger & Stenger immediately to address the canceled payment. There was no reason for my payment to have been canceled as I used a debit card to make my payment, and it would have declined my transaction if I didn't have enough funds or the transaction or I would've had a general decline response. I was told at the time that there was a cease and desist order on my account, and I was asked if I wanted it removed because the company technically couldn't talk to me because of this being on the account. I stated at that time I wanted the order removed; however, I discovered today it was still present on my account, and my request for removal from about XX/XX/XXXX was not honored. 

After the interactions from today, I firmly believe that Stenger & Stenger will purposefully mislead individuals into agreements to pay off debts for lesser amounts ; however, they will fraudulently find any way not to honor their contract. This is evidenced by no one contacting me about my payment cancellation due tol this supposed cease and desist order on my account. Furthermore, I believe they knowingly and fraudulently canceled my payment without my knowledge, so they could collect the total amount, which I will not do as I adhered to my portion of the agreement. I even have proof of payment from XX/XX/XXXX, with a confirmation number of the payment being made. 

If the demand of honoring my agreement is not upheld, I will contact my lawyer and I will sue for damages because of their fraudulent tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be repaired or deleted as soon as possible. 
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 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 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 2018-04-10
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I called all 3 credit bureaus about several inquiries that were not mine and a few that were duplicates listed in my report. I disputed these results and every time I call in they tell me there is no dispute. Equifax told me I had to dispute directly with the company that did the inquiry. I sent notices to them and did not receive communication back. I updated Exquifax on XXXX18 as well as XXXX and XXXX and was told they could not help me. I have 45 inquiries on my report and only 6 are mine and accounted for. All 3 credit companies will not aide me in the removal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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:
This is my numerous request that you amend this suspicious data. 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. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the quick removal of the following inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 explanation