BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX TRANSUNION i opened dispute on XX/XX/XXXX. The disputes are as follow as i put them above. The reason for it is because he already open up a dispute prior to the complaint : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX TRANSUNION Today is XX/XX/XXXX and we have proofs that the bureaus have violated the same FCRA rules again. i have included inmage that the creditors involve in the complaint have violated Metro 2 Compliance Violation ( Not updating dispute status ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Not Including Creditor Contact Information ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Incorrect or inconsistent Account Number ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A

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 2023-07-28
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
multiple phone calls with no voicemails over the course of 2 weeks - recently upgraded to sending multiple text messages as well that do mention the company involved... i contacted said company and they have confirmed multiple times that no accounts under my information are in any kind of default/were not sent to any collection agencies. can not get live agent from collection agency on phone to tell them to cease contact

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The credit reporting agencies are reporting inaccuracies and have not responded to my letters in which they are required to in 30 days by FCRA laws.

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 2018-08-08
Company: EQUIFAX, INC.
State: SC
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:
There were fraudulent accounts on my Equifax credit report and I asked Equifax to remove these accounts and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
US Bank sent me a credit card I did not apply for. I received it in the mail this morning. XX/XX/2020.

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 2020-09-10
Company: I.C. System, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We purchased and transferred service to XXXX for cellphones. They assured us we had service in our home town area. After using it for a while, it seemed to go in and out. I spoke with them SEVERAL times regarding this. After speaking with a manager, the manager informed me that we could be let out of our contracts due to our area being a bad spot and XXXX not offering service there. We switched companies and now they are charging us for these contracts that I was promised would be released. I do not owe this money. I have fought with them for years over it and then they placed it in collections and it is on my credit. I have disputed it as well through my credit agencies and they refuse to acknowledge that I do not owe this money. They 100 % gave me that option, I took it to have phones that work for our business and work, and now I have this showing and affecting our credit. I would like this to be canceled from their systems and the debt removed from our credit reports.

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 2023-02-22
Company: CAINE & WEINER COMPANY, 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: Account status incorrect

Complaint:
This company is reporting inaccurate information on my credit report! This debt is being thru XXXX XXXX XXXX with monthly installments of XXXX per month. This information needs to be removed from all credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have tried several times with all the credit reporting agenciesand with this company to get my credit report 100 % accurate! This is extremelyfrustrating and not fair that neither of these companies are helping me inany way!!! This is the United States LAW to have my credit file 100 % accurate! You are also failing me by NOT HELPING ME get this 100 % accurate! I have even sent you ALL THE LETTERS of me trying to communicatewith this company and each of the credit reporting agencies. I will ask you one lasttime to help me get my report 100 % accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: AES/PHEAA
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:
Hello, In XXXX FedLoan did not receive my updated annual income information during the recertification window for my income-driven repayment plan because I missed the deadline. As a result, the interest on my two student loans was capitalized. I have student loans from attending XXXX  XXXX XXXX from XXXX. {$51000.00} was capitalized on my unsubsidized loans and {$6800.00} was capitalized on my subsidized loans. At an annual interest rate of 7.63 % that equals approximately {$4400.00} more interest every year. FedLoan said they mailed a letter notifying me of the re-certfication deadline/window. I never received it. They said they sent an email. I did not receive it. I asked why they didn't call or send a certified letter. They have not answered. I've asked for a copy of the Communication Log for my account showing the email was sent. I have not received it. I have paid on time for 9 years. I think it's a simple mistake, and now it will cost me approx $ XXXX of additional interest over the next 15-16 years. I feel denied Due Process. A simple phone call could have notified me. A simple voicemail if I did not pick up. A second letter in a brightly colored envelope, etc. So many practical options to get a borrower 's attention. I have asked them to reverse the capitalization. They have refused. I spoke to many different reps and received inaccurate information about repayment plan options. I also would have hoped they would have told me about the REPAYE Program when my interest capitalized without me knowing in XXXX. Instead, I discovered REPAYE Program in XX/XX/XXXX and enrolled. I eventually hired a student loan negotiator. He wasn't able to help. Thank you for your time. I'm happy to answer any questions. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: EQUIFAX, INC.
State: WY
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 that I am ( 120 - 180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is 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 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

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 2018-03-30
Company: SYNCHRONY FINANCIAL
State: FL
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:
On XX/XX/2018 i received a notification that i have a credit inquiry from XXXX/XXXX ... ..I did not apply for credit with this company.Im not even sure as to who this company is.

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 2023-06-22
Company: CarMax, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
N accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.

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 2020-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My XXXX Account debit card was stolen. An unknown person deposited counterfeit checks in the XXXX  account due to this Bank of America decided to close the account because of this my personal account was frozen my direct deposit was placed into my personal checking account the bank refuses to allow me to get my funds out of my personal account and provide me with multiple dates of the account closure of when they would send a cashiers check I spoke to several different employees who provided many different answers all of which were incorrect. The last time I spoke with an employee she told me I can go into a local bank and withdraw my funds from my personal account when I went to the bank the teller advised me I will not be able to get the funds I called back the bank who then told me that my account will be closed on XX/XX/2020 however the last representative told me that it will be closed XX/XX/2020 I have made several requests to the bank to immediately close the account so that I can retrieve my funds. They said that they would submit a request for me to be able to withdraw funds however they can not guarantee that that request will be approved. I was transferred to many different Departments I was hung up on several times. I am requesting that investigation investigation be completed to make sure that Bank of America is following banking regulations when it comes to a fraudulent claim. I have been violated twice by the person who stole my banking information and by the bank for not allowing me to get my funds that were deposited by my employer I have had Bank of America for over 14 years and this is despicable.

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 2023-06-21
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Primary Complaint : After more than two months, Rocket Mortgage ( RM ) is continuing to hold and not reimburse our Escrow account overage, last calculated in our XXXX Escrow analysis. We purchased our new home in XXXX. At that time, annual XXXX XXXX taxes were were projected to be {$8300.00} annually. Annual county taxes, [ paid in arears ] due in XXXX, were paid in XXXX at {$2800.00}. A check for overage in the amount of {$5400.00} was sent to us on XXXX. An annual Escrow analysis was performed on XXXX, showing projected annual county taxes unchanged at {$8300.00}. In a phone call to RM on XXXX, we were promised an updated Escrow analysis by XXXX. The updated Escrow analysis was finally performed on XXXX, showing projected annual county taxes at {$80.00}, and an overage amount of {$2800.00} on the effective date of this analysis, XXXX. This significant reduction in county taxes resulted in our documented qualification for a SC disability-based tax exemption. However, multiple phone calls to RM on XXXX, XXXX, and XXXX, including speaking with an executive supervisor, have resulted in only responses of " we are researching this and will get back to you in a week ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: EQUIFAX, 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 information incorrect

Complaint:
I have a XXXX account that is showing two missed payments, forXX/XX/2017 and XX/XX/2017. This is grossly inaccurate and I feel as if it is an attempt to keep my credit score held down, as an effort for me to be FRAUDULENTLY charged higher interest rates. These late payments need to be removed bc XXXX is fraudulently considering them late. Ive reach put to bank personnel several times and no one can seem to tell me why these late payments are still appering on my credit report. My next step would be to escalate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax credit bureau has me as deceased. I am alive and well. All of my accounts are listed as closed and Consumer deceased. I am not deceased. I have proof. I am alive I am writing this complaint on my computer. Can you please have Equifax reinstate my account as open and being paid. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: IL
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 have requested several times for the bureaus to remove these inquiries but they refuse to. I am requesting written proof they belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX offered to pay him out of pocket for his services because the amount would be much smaller than if I have to pay a copay through my insurance and he doesn't have to deal with lengthy process through insurance to get reimbursed. I agreed. 

A year later my insurance got changed and this doctor office suggested to run it through insurance to see how much it will reimburse. And I WAS PROMISED that if my copay amount continue to be bigger than what I paid out of pocket as a hard cold cash - I won't be held liable to pay off the difference. 
I also told them if I knew I will end up.paying this much - I would reject the services upfront. 

Well, dispite the years of good relationship - this doctor and his billing office decided to ruin it all and go ugly on me. 

They started to bill me for the difference. I said I agree to pay the amount we negotiated but not what my insurance didn't cover. 

Well, they reported the balance to all credit bureaus. I have to say, considering the amount is only {$130.00} - this is very shallow of them to go that far. So a year or so later, in 2020 I called and attempted to resolve it one last time. The collection lady was nice and reasonable and tried to help. Well she responded later that she contacted that doctor 's office and their billing office and they refused to negotiate and discuss anything about this account at all. 

It is a shame - he is a good skilled medical professional but as appears very cheap. 
He lost much more on a long run than the stupid balance he tried to collect. 

As for me, it is not about money - it is a principal issue. I was promised one thing but then got dragged into this medical insurance soup opera and got hunted for it as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX  XXXX is still showing that I have 5 late payments and Ive never been late with my card payments. This is against the law and needs to be corrected immediately. Its hindering me from obtaining 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 2020-07-09
Company: Navient Solutions, LLC.
State: AK
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 began to receive calls at my cell number from a variety of phone numbers regarding student loan debt for a person with a name similar to mine. Callers would leave a message about 3/4 of the time, stating they were calling from Navient ( with whom I have no accounts ). 
On XX/XX/2020 I called Navient at XXXX and spoke with XXXX, customer service number XXXX. I explained that I have no customer relationship with them, and requested that my phone number be removed from their system. She asked for, and I provided, the phone number. She stated that the number was removed and I should expect calls to cease within 24 hours. 
Since then ( today is XX/XX/2020 ) I have received at least two dozen calls and voicemails, again from various numbers, purporting to be from Navient and requesting callbacks from me. Although I have blocked each number, I do receive an alert each time a blocked number calls, and I have to listen to the voicemails to verify that they aren't relevant to me. 
Phone numbers that have called and left messages claiming to be from Navient include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I believe this constitutes unlawful harassment on the part of Navient or their agent.

Company response to consumer: Closed with explanation