BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-12
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Clicked a link I saw online to get free information from Quicken Loans about refinancing my mortgage in order to save money. Clicked through, advised my credit to be run, and then got the results. They couldn't save me any money, all of the options were more expensive than I was paying. Later this morning, XX/XX/2019, I received a call from XXXX XXXX. The information I have for him is ( XXXX ) XXXX-XXXX, XXXX, NMLS : XXXX. 

I told XXXX that based on the results online, it didn't appear to be beneficial to refinance as all the options were more expensive than my current situation. He said he wanted to look into it a little more and that there may be more options he was able to provide than what I saw online. He asked for some basic information, and then told me he needed my birth date and social security number to give me some real numbers. I specifically told him I had already had a hard pull on my credit earlier that morning with Quicken Loans and that I didn't want another pull, he could just access that information that I already consented to. He then lied to me and advised that Quicken Loans could access that first credit pull for 14 days with no harm to my credit and without doing a second pull, he just needed my birth date and social to access the report. He then did a second hard pull on my credit, and all of the options he came up with would raise my monthly mortgage payment so I wasn't interested. When I found out that I was lied to and there was a second hard pull on my account I attempted to reach him at the number provided but was unsuccessful. I don't think it's fair for a company representative to lie to a consumer in the hopes that maybe it helps them to close a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
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: Account information incorrect

Complaint:
XXXXXXXX XXXX sent letter outside the deadline period of the 30 days to providing the promissory notes from XXXX University original signatures. The letter is post dated On XX/XX/XXXX and only provides promissory note from 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 2022-07-15
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: Account information incorrect

Complaint:
I've been disputing this account for the past year now and EXPERIAN still hasn't fixed this problem and i've been getting very frustrated with this errors on my credit report. I want to seek damages for financial injury for reporting INACCURATE information in my payment history. This has took to long and I need this done now. They have been manipulating the statue of limitation and reporting C/O every single month on my credit report. 

Experian stated my account was properly investigated but how is that even possible if the date of last activity is incorrect and the dispute status saying not disputed when I myself been disputing this account several times!!! 

Also EXPERIAN company has took more than 30 days to complete my investigation.

According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want thousand per violation that's reporting on this account or it needs to be DELETE IMEEDIATELY! 

XXXX OF 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 2021-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi I hope everything is good. I sent you a letter over a month ago it was dated XX/XX/2021 and I was expecting to get a letter or notification regarding this but I haven't. i was told to go to this website to reach out to you and request to check my letters. I need those errors to be fixed as soon as possible so please do investigate and remove that inaccurate and misleading information immediately.

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 2022-07-15
Company: EQUIFAX, INC.
State: LA
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:
I have asked the credit bureaus to only report accurate information on my credit report as 15 USC 1681 ( b ) states that a consumer reporting agency should only furnish a consumer report according to the written instruction of the consumer. 

They are in violation currently for reporting inaccurate information which makes it harder for me to be verified by companies for employment, extension of credit, etc. ( 15 usc 1681 ( a ) ( 1 ) ) This is causing much stress and hardship on my life. I need my information reported accurately, which is their grave responsibility that they assumed. I have 1 address and 1 name that should be reporting on my credit report. The fact that they are allowing unverified information to reflect on my account, shows that they are lacking competence to fulfill such an important job.

Do not respond that you can't verify me. I have added my id and given my ssn and date of birth. You also have other complaints from me with my information, so you know who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: EQUIFAX, 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:
This complaint is against XXXX.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using UCC 1-308, I never used the card when I received it, I don't remember my wet signature on any of their documents, XXXX  never loaned me any money or legal tender, I didn't authorize XXXX to access my credit report, I don't understand how I'm liable for any debt with XXXX. Under the law, only Congress can issue legal tender, and HJR 192 relieved me from debt, since it's public.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recieve XXXX phone calls per day from the American Adjustment Bureau XXXX XXXX. In addition to the derogatory accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 demand the reinvestigation of my XXXX, XXXX XXXX XXXX charged off transactions and I demand that you exclude all of the following transactions from my consumer report! According to 15 USC 1681 i7 Description of Reinvestigation Procedure- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I want to know the method used to verify my previous complaints of multiple violations! Who did you speak with pertaining to the inaccurate transaction amounts being reported? How was it verified that it was ok for a charged off ( dead /dormant ) transactions amount to continuously change on a monthly basis for the last 5 years on a consumer report as accurate? What was the position of the person whom you spoke with? How long was the conversations? What was the actual date and time of the investigation? Did you investigate with the IRS that these charge off transactions had already been filled on their taxes as previously stated? Did you investigate that the IRS considers charge offs as 1099c and as gross/ordinary income? Gross/ordinary income does not report on the consumer report, so why are these XXXX  charge offs being furnished as debt on my consumer report, now these become inaccurate under 15 USC 1681EB Maximum Accuracy Shall Be Reported, did you investigate this part of my dispute? Did you look at the proof I had previously uploaded with all the violations and inaccuracies I will be suing for violations of 15 USC 1681n Civil Liability for Willful Noncompliance. 
I DEMAND that you immediately exclude the following transactions from my consumer report according to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) Exclusions- a consumer report does not include ( A ) ( i ) transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After recently obtaining and examining a copy of my credit report with Equifax, I notice that there are unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX OF XXXX XXXXXXXX XXXX  XXXX Under federal laws, Consumer Reporting Agencies shall only furnish information under verbal or written consent by a consumer. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give Equifax permission to furnish this information on my credit report. Reporting a consumer 's personal or financial information without prior consent is a violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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 was in the process of purchasing a home when I learned that I had several late pays, in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-08-08
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: NY
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Fair Credit Reporting Act XXXX  XXXX  ACCT. # XXXX DEPTEDXXXX XXXXCCT. # XXXX XXXX XXXX ACCT. # XXXX XXXX ACCT. # XXXX XXXX ACCT. # XXXX XXXX  ACCT. # XXXX USDOE/XXXX  ACCT. # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2019-03-13
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: Account information incorrect

Complaint:
XXXX XXXX sent letter outside the deadline period of the 30 days to providing the promissory notes from XXXX University original signatures. The letter is post dated On XX/XX/XXXX and only provides promissory note from 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 2022-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
the bank has not helped me with a charge back money they owe me back from a claim i had closed back in XX/XX/XXXX. the merchant is from XXXX for the amount of {$1900.00}. the money was returned back from the merchant and the claim was closed. on XX/XX/XXXX, the bank charged me back the money for it. temporarily credit was never issued. the bank takes fault for this transaction and promises me to return back my money but they have not.

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 monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XXXX Account # XXXX XXXX Inquired onXXXX XXXX XXXX XXXX XXXXXXXX Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired onXXXX XXXX Inquired onXXXX  XXXX XXXX Inquired onXXXX XXXXXXXX XXXX  Inquired onXXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX Inquired 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 an account without my written instructions not to mention the fact none of these were from me they were false or fraudulent attempts

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2022 I tried to see my credit report on XXXX and XXXX wouldn't let me see my free report. And also, on my XXXX  app my credit score or credit report hasn't been updated since XX/XX/2022 for neither Transunion nor 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 2023-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. On XX/XX/XXXX, I contacted Equifax regarding inaccurate information present on my credit report. Despite my initial communication, I have not received any response from Equifax to date. The details of the inaccurate information and the necessary corrections are outlined below : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$110.00} Original Creditor : XXXX XXXX  XXXX XXXX XXXX Please remove this account from my credit report. 

XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1800.00} Original Creditor : XXXX XXXX XXXX  Please remove this account from my credit report. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Please remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX BANK XXXX XXXX Open Date XX/XX/XXXX Balance : {$130.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ACCOUNT : XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Avant Credit Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I called Avant credit today, XXXX/XXXX/15 and was told to speak with debt management. I was transferred to them and the woman hung up on me and did not follow up. 

I am concerned about this company.

Company response to consumer: Closed with explanation