BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit reporting unassociated names and addresses that I have never lived at. Bank accounts missing payment history of which is crucial to the credit reporting itself and the reporting agencies will not correct the problem.

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 2019-07-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit reporting unassociated names and addresses that I have never lived at. Bank accounts missing payment history of which is crucial to the credit reporting itself and the reporting agencies will not correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My, sister bought a visa gift card for me in the amount of {$500.00}, when i received the card on XX/XX/XXXX the card was torn and could not be swiped, i called the gift card mall at XXXX, they immediately cancelled the old card and told me i would receive a replacement card in 7-10 days, it did not come, i called them back on the XXXX of XXXX, i was they did not know what happened and they would issue another card wait 7-10 days again no card, i called again on XX/XX/XXXX this time i was told they woul send me an expidited card i should receive it in 3-5 days, today is XX/XX/XXXX i still have not received the card and they claim they dont know what happened they said it was sent thru USPS so i checked with usps they said the card was not in their system at all it was never there, gift card mall also told me that the {$500.00} was still on the card they could check that but they dont know why i have not received the replacement card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hi so as I'm typing this I called Transunion Credit Agencies and I've been on hold for over 48 minutes none of them are trying to help me resolve this issue. They keep transferring the call to different rep who don't know what to do to resolve my concern. I have about 8 accounts with XXXX XXXX and XXXX XXXX that are showing up when I log in to view my credit score through my bank which is XXXX XXXX  but the Credit Agency they are associated with is Transunion. When I logged in it showed under review " credit view dashboard " it shows all these collections accounts which the creditor did agree to DELETE them from my report. They actually did remove them with XXXX  and XXXX  however, Transunion is acting like they can't see the information when I'm asking them to file a dispute they are blaming my bank, but the bank is NOT the credit bureau this is information that only they have access to remove. I would like to know what I can do to have this resolved I'm attaching the screenshots for your review and consideration 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 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TransUnion has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX. XXXX XXXX, XXXX, which TransUnion reports negatively that I owe this company. There is no contract. This debt is not mine.

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 2021-08-18
Company: AES/PHEAA
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:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: MoneyLion Inc.
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
New and updated information regarding Moneylion.

Moneylion has recently marked my dispute as a duplicate however my last dispute I requested debt validation that I did not receive. They only provided a history of me disputing this account. This history just shows how i have asked for validation that they alleged they sent out once in the course of over 6+ disputes with them.

Stating that an account is reporting accurately unfortunately is not enough to say that account belongs to me. I did not receive their validation of debt they alleged they sent.

I am seeking the CFPB to step in.

I have attached my dispute letter again requesting the information and only the information in the dispute letter to be sent ONLY through the CFPB.

And for MoneyLion to STOP marking my disputes as a duplicate.

Obviously if I have attempted to dispute multiple times I am trying to get information I need to better understand this alleged transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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 would like to complain about unknown accounts in my profile. I am victim of identity theft and someone just used my personal information and filed this accounts. This is inaccurate information that does not belong to me. I am not related to any of these accounts at all. Therefore I am asking you to remove it and to do it as soon as possible. 

Thank you )

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 2020-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
So, I tried to get a Police Report for the this Suspicious Activity item on my XXXX XXXX & XXXX. Unfortunately, due to my jurisdiction they're unable to do so, even if that wouldn't help resolve my case no how. What do I owe to Bank of America to not remove this from my report? I didnt received a notification when it was first reported. This situation does not effect Bank Of America.

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 2019-07-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF ID THEFT. I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO HAVE THE LISTED ITEMS REMOVED DUE TO ID THEFT YET THE CRA 'S REFUSE TO REMOVE THE INACCURATE ITEMS. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO HAVE THE ITEMS REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
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:
I AM A VICTIM OF ID THEFT. I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO HAVE THE LISTED ITEMS REMOVED DUE TO ID THEFT YET THE CRA 'S REFUSE TO REMOVE THE INACCURATE ITEMS. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO HAVE THE ITEMS REMOVED.

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 2021-09-03
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I purchased a new phone from XXXX XXXX in XXXX of 2021. It was purchased at a company XXXX uses called ( XXXX ). The lady that sold me the phone deceived me with lies about XXXX giving me XXXX dollars for my old phone and promising me a XXXX gift card in addition to the sale of my old one. I didn't realize until after I had gotten home that I was duped out of my old phone because the receipt didn't show the XXXX dollar credit for my old phone. I couldn't go back because the place was closed and I was already informed that once my old phone was turned in I wasn't able to get it back. Days later I received an email about what my bills would look like and it was outrageous. A lot more than what I was quoted. I called customer service to get an explanation about the bill and the money I was suppose to get for my old phone. Reality set in that I was scammed out of my old phone when the lady told me the XXXX dollar GIFT card was the only thing I was getting for my phone. Not only that but when I was purchasing my new phone from XXXX  I specifically asked the lady that sold me my new phone if the the card was a Visa so I could purchase anything I wanted, but it was not. The card could only be used for XXXX  products. After three months of frustration, bad service and dropped calls I decided to pay off my phone and cancel XXXX all together. In retaliation XXXX sends me a bill for a month of service that I didn't use because they always bill a month in advance and they also want me to pay back the XXXX dollar ( GIFT ) card that they gave me. After refusing to pay they sent my bill to a collection agency called ( Convergent ) out of XXXX, Washington. These people have been calling me nonstop for weeks, sending letters and several emails. since I didn't respond they have resorted to harassing my wife by calling her too. I hope that no one else falls victim to this XXXX scam and I hope the CFPB can rectify this and get XXXX off my back.

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 2020-09-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To whom it may concern, Good day, I open up a joint account on USAA with my sister and have been having problems with acquiring the funds that have been uploaded via check. My sister and I have call the company on numerous occasion and all we have been told from last year XXXX until current is their doin an investigation. I would like the money that my sister work hard for return to her.

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 2019-07-15
Company: Sequium Asset Solutions, LLC
State: IN
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:
The company Sequium has called me on numerous occasions with a recorded message. I have called their number XXXX three times. Each time they told me it was for a different person and I would be taken off their call list. On Friday XX/XX/XXXX they called and again said they would remove me from the list. Today, XX/XX/XXXX they called again. I called them back and they again said they would take me off list. I am tired of dealing with these people. It has been going on for over a month and they have called me no less than seven times. The recorded message says that I owe money. When I call them back they say it is an error and they will remove me from their list. So far that has been promised three times and it still has not worked. We are on the Do Not Call List.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Rocket Mortgage, LLC
State: NC
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/2017 I contacted the company below by telephone. 

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX QUICKEN LOANS. 

I responded to a pre-screened offer letter by calling the number on the letter to ask questions about their mortgage loan rates and my credit unknowingly received a Hard Inquiry without me knowing. Please have this inquiry removed from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale schedule soon o XX/XX/2018. Recently I have mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. SPS have received a complete Request for Mortgage Assistance packet and its under review. 

Im still just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. This is a continuous game they play and always are putting me on the edge and fear that I will lose my home. Can they just cancel the sale and work with me. Give me a good loan modification with a principal reduction or something that I could afford monthly. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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:
COMPANY : Transunion ACTION ( complainant ) : 3 notarized, written requests sent via certified USPS service to have 3 erroneously reported accounts investigated and accordingly removed or have proper proof provided of their legitimacy in accordance to FCRA guidelines. 
DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ACTION ( respondent ) : 3 investigations conducted resulting in 1 of 3 accounts in question being removed. No validation of remaining account legitimacy provided. 
DATES : XX/XX/XXXX, XX/XX/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
Consumer complaint received 2018-06-08
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I started a hair treatment, with the XXXX company of XXXX FL, with a total cost of {$4500.00}, I spent about 8 months paying the bank lending club that was the bank that approved my credit, for the treatment, I paid the bank XXXX dollars a month, but because the treatment does not worked and the fall of my Hair got worse with the treatment provided by XXXX, I withdrew from the treatment. Lending club paid the entire treatment XXXX dollars to XXXX at the beginning. Now I owe the bank a total of XXXX dollars, despite having withdrawn from the treatment which I consider I should not pay for lack of results and not having a guarantee of satisfaction. I have made a total of 3 bank disputes, which have been denied to me by the bank, they tell me that I should pay him so he is not receiving treatment, since XXXX XXXX refuses to reimburse the balance due to the bank. I urge you to help with this problem, as I find it absolutely unfair to have to pay for a product that did not work for me and that I am not currently receiving, so I will retire in XX/XX/2017. But Lending Club insists that I must pay them. please help me I'm desperate and nobody gives me definitive solution. I thank you in advance for your good offices for my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This Escrow officer cancelled my account after i challenged their office fees. 

XXXX XXXX Escrow Officer | XXXX County T : XXXX | F : XXXX | XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX | XXXX, CA XXXX oldrepublictitle.com or ortc.com How can she do that without my consent or knowledge? 
As i buyer, i do have the right to challenge fees, i have done it many times with builders, lenders, etc .... 

I am stunned that this has happened. 
I am buying 3 homes in a XXXX XXXX, and i am using XXXX XXXX XXXX for all of the paper work. 
I XXXX Loan Tie-in cost, and the result was that it is a fee charged when it involved multiple loans, many customers named that as a junk fee. 
The other fee i asked about was the exchange support fee. 

What she did i think was illegal. 

Please advice. I am now trying to get XXXX XXXX from the XXXX office to pick up this account. 

Regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The closing statement of XX/XX/XXXX there was a XXXX limit on my credit limit. Then on XX/XX/XXXX i check my balance and the limit went down. Call in and spoke with a supervisor XXXX XXXX he said that he dont know why this has happen. Then he said its because the credit bureau told them to drop his credit from XXXX to XXXX. First of all we didnt give them permission to access his credit repoert. So for 3 years we had a limit of XXXX now as of XX/XX/XXXX limit XXXX. What we have going on his credit dont have any thing to do with his credit. We already have a established credit and we pay on time for 3 years now.We want our credit back this isnt fair.Is this how they do they loyal customer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: AL
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 Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, and a proper investigation was done, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. this is grounds for removal they also violated my rights under 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

Company response to consumer: Closed with explanation