BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
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  has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 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 explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: CA
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:
The XXXX accounts have never returned to me that the account belongs to me, I believe my privacy rights have been violated. This derogatory information has hindered me receiving housing. 

XXXXXXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-04-03
Company: Experian Information Solutions Inc.
State: WI
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

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 2018-04-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Well i have over 26 Hard Inquirys and some of them are doubled or trippled.

now some of them I did not give permission to do a hard inquirys, I would like them taken off my Credit Report, I just did not know how to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not received any documentation validating the debt that they are trying to collect, also no inventory report from store showing phones were no returned to XXXX in XXXX off of XXXX XXXX! All property was returned yo XXXX. I have not been provided with a contract or any instrument bearing my signature validating that this debt is 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 2019-11-05
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of 2019 I submitted an application to rocketmortgage.com ( Quicken Loans ) for a mortgage. A few weeks later I spoke with XXXX XXXX and we briefly discussed what I was interested in and decided we would take in further detail once I was ready to start looking at buying. On XX/XX/XXXX I spoke with XXXX XXXX again and I was given some estimates for a Mortgage Loan. The estimate I was given was as follows : Loan Amount : {$380000.00} Home Price : {$400000.00} Down Payment : 5 % Closing Costs : XXXX Rate : Estimate of XXXX to 4 % We decided again to follow up once I was ready to start looking at homes. A week later, my wife and I found a home we wanted to put an offer on and I spoke with XXXX on Monday XXXX, XXXX who quoted me a locked rate of 3.625 % at closing costs of roughly XXXX ( I don't remember the exact number, we had this discussion over the phone ). 

Later on XX/XX/XXXX I received a loan estimate disclosure which showed a total cash to close of {$25000.00} which seemed right because that's what XXXX told me. However, I had overlooked the fact that this total included an {$8000.00} credit from the seller and a {$3000.00} credit from the XXXX XXXX. In addition, I also did not realize that the origination fee was extremely high at 2.375 % which I find extremely dishonest because when XXXX told me a rate of 3.625 % he never mentioned to me that this rate was AFTER having paid for points. It was only after I had shown the loan estimate disclosure to my real estate agent that she pointed this out and said that the closing costs I was asked to pay was extremely high. 

On Sunday, XX/XX/XXXX I spoke with XXXX again who apologized for the confusion and said he would discuss the issue with his XXXX. I should mention that XXXX offered to give me the ACTUAL rate OF 4.5 % but I didn't not find that to be a sufficient resolution to the issue. 

On Monday, XX/XX/XXXX I received a call from XXXX XXXX, Senior Director of Banking at Quicken Loans. I explained to him the situation and that I felt the practice of advertising a loan rate without being clear that the rate came at the cost of being bought down ( an origination fee of about XXXX dollars ) was deceptive, and I requested that they update the loan to include the original rate of 3.625 % without having been bought down with points. I explained that with previous lenders, the rate the advertised to me was the actual rate I received, and they asked me if I wanted to but the rate down with points. XXXX explain that it was more important for their company to advertise low monthly payments to their clients, and said that 'explaining the details to customers confuses them ' which is why they didn't explain the rate more clearly to me. In addition, he also insulted me by indicating that I did not know how to do math.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$290.00} ; CXXXX XXXX XXXXXXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  ( XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX & XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
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 status incorrect

Complaint:
The account for XXXX was paid in full on XX/XX/2018 and disputed with XXXX. The account is closed and they once again added it to my credit file causing my score to drop 10 points. 

This was disputed and they are intentionally trying to ruin my credit. 

Account ending in XXXX. I have sent emails and they continuously do this. I am very upset. How can they continuously get away with 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 explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX sent debt to XXXX XXXX XXXX. Will not provide original bill showing additional fees. All medical debts were/have been paid in full through XXXX XXXX XXXX No medical debts should be on my credit reports. I've already contacted doctors and hospitals that show all billing paid in full including the anesthesiologist. I do not owe {$230.00} for any services. I demand removal of this account from my Experian collections/credit report. This follows a complaint to the BBB as well. XXXX and XXXX have validated and removed accordingly.

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 2023-06-12
Company: EQUIFAX, INC.
State: GA
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 the accordance with fair credit act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX - account # XXXX, XXXX XXXX  - account # XXXX, XXXX XXXXXXXX - Account # XXXX, XXXX - account # XXXX, XXXX XXXX # XXXX, XXXX XXXX- account # XXXX XXXX  XXXX- account # XXXX XXXX XXXX  -account # XXXX, XXXX XXXX- account # XXXX, XXXX XXXX -account # XXXX, Has Violated My Rights. 

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

15 U.C.S 1681 section 604 section 2. It also states consumer reporting agency can not furnish an account without my written instructions.

15 U.C.S 1681c. ( A ) ( 5 ) section States. No consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.C.S 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an e-mail from US Bank thanking me for my application for a credit card. I did not apply for a credit card. I tried to call US Bank fraud division to report it, but it is closed even though their website says they are a 24/7 agency. The application ID # is : XXXX according to their e-mail. 
I did notify XXXX XXXX which I am a member since my identity has been stolen before. 
XXXX XXXX e-mail 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 non-monetary relief
Consumer complaint received 2021-06-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hola, 
Mi nombre es Diana Michos amablemente ped al banco chase J.P. Morgan que se encargar de un fraude ocurrido en el mes de junio 06/10/2021 y nunca resolvi el problema al contrario dejaron que $1000.00 se desvaneciera de mi cuenta de ahorros por una equivocacin del banco pido de favor como nueva y soltera madre de familia, y ms en el estado que me encuentro no puedo hacer mucho tuve una cesrea de 30 puntos y con lgrimas en mis ojos pido a este departamento que me ayuden yo no tengo dinero para sustentar a mi bebe y el banco chase nunca quiso escuchar mis ruegos quiero que se investigue inmediatamente o si no estar muy pronto en la calle con un bebe de tres meses de nacido !!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS COMPANY IS IN VIOLATION THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX .... Balance : -, XXXX XXXX  XXXX .... Balance : -, XXXX XXXX XXXX XXXX : {$6700.00}, XXXX XXXX XXXX XXXX : {$8300.00}, XXXX  XXXX XXXX .... Balance : {$950.00}, XXXX XXXX XXXX .... Balance : {$11000.00}, XXXX XXXX XXXX XXXX XXXX. Balance : {$1600.00}, XXXX XXXX XXXX  XXXX .... XXXX XXXX {$4200.00}, XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX : {$530.00}, XXXX  XXXX Balance : {$800.00}, XXXX XXXX XXXX... XXXX : {$3200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the month of XX/XX/XXXX, a collection agency Accelerated financial started reporting an open credit of {$910.00} from XXXX XXXX according to my credit report. This company has come out of nowhere and damaged my report for something i don't have. I contacted the original creditor by phone last month mid XXXX and i was advised by a customer service representative that my account with them was closed in XXXX. I asked the representative if the system is reflecting i owe a balance, and she stated no. I advised her a company is reporting i owe {$910.00}, and she stated she didn't see anything on her end because the account was closed. Its been over 6 since the account was closed with the original creditor. All of my debt if any has been settled with this company years ago. I have never had an account with Accelerated financial ever, and they are damaging my credit. Also, this company is false reporting things to all credit reporting agency 's. Also, this company has never sent me a statement saying why I owe this amount of money. This is effecting me with potential job opportunities. Its also making my credit score lower as well which it hard for me to get a new home and other things I may need. I never had a debt with this company, and dont know how it came about. If this agency continues to report negative inquires on my report, I will file a civil lawsuit on this company.

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 2019-11-05
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX   XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX , GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.

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 2023-03-09
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; 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 response to consumer: Closed with explanation
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$720.00} On XX/XX/2022 I sent a certified letter to all three credit bureaus ( XXXX, XXXX XXXX Equifax XXXX asking for them to do a thorough investigation of everything on my credit report. On XX/XX/2022 XXXX stated that everything was accurate, and their investigation is complete. I never received any correspondence from XXXX or Equifax in regard to them researching my credit report. After completing some research on my credit report, I have still found some inaccuracies on my credit report even after their investigation was completed. 

In accordance with the Fair Credit Reporting Act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Westlake Services, LLC
State: GA
Product: Credit reporting 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 received my credit report on XX/XX/XXXX, XXXX from XXXX XXXX XXXX, and XXXX XXXX There are some accounts I don't recognize and inquiries I didn't authorize.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$720.00} On XX/XX/2022 I sent a certified letter to all three credit bureaus ( XXXX, TransUnion XXXX XXXX XXXX asking for them to do a thorough investigation of everything on my credit report. On XX/XX/2022 XXXX stated that everything was accurate, and their investigation is complete. I never received any correspondence from TransUnion or XXXX in regard to them researching my credit report. After completing some research on my credit report, I have still found some inaccuracies on my credit report even after their investigation was completed. 

In accordance with the Fair Credit Reporting Act 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.

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