BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
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:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
During XXXX XXXX XX/XX/2021 I was a victim of identity theft and my information was used to apply for several accounts, which resulted in me filing a report with Identitytheft.gov and contacting each bureau to resolve as well as dispute the hard inquiries acquired. I reached out to XXXX  XXXX XXXX regarding the fraudulent application and was informed that someone from the fraud investigation team would be contacting me, but no one ever did. Discover informed me that the account was closed and would be updated with all three bureaus to reflect as fraudulent but only a few months were deleted from only my XXXX report and not the overall account as it is still reporting as delinquent and negative. I also contacted XXXX to inform them that I had not submitted an application and was told, " the application was submitted online and flagged as potentially fraudulent, which resulted in an instant denial due to further review being needed '', and was informed that it would be removed within 90 days but that wasn't the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Debt Recovery Solutions, LLC
State: WY
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:
Complaint # XXXX was filed and the attached response was received stating that it would be removed within 30 days. It has now been 68 days and the company still has not removed this item from my credit report. Phone calls have gone unreturned by XXXX XXXX and this company is obviously lying and has no intentions of removing this from my credit report although they stated they would to your bureau. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: EQUIFAX, 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:
I have contacted all three major credit bureaus about my bankruptcy information being incorrect on my credit report. The only credit bureau to respond has been XXXX and they are still not following federal law. As such, XXXX and Equifax are not providing me online access to dispute any of items on my credit report which are inaccurate. 

I have brought these inaccuracies to these three credit bureaus several times. I need my bankruptcy verified by a human, otherwise it needs to be deleted. It has been wrong for over eight years and this is ridiculous. My ability to access the credit markets is limited and all because they are not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
On XX/XX/XXXX my account was reported as Delinquent in error, I called capitalone and they removed the status from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken Loans is using inaccurate information to compute my escrow payments. The XXXX payment for property tax on my home was {$3800.00}, paid by Quicken Loans from the escrow account in XX/XX/XXXX. 

An escrow account analysis performed in XX/XX/XXXX claimed the XXXX property tax payment estimate to be {$8700.00}, more than double the XXXX property tax. 

I spoke with the person in the XXXX XXXX County Treasurer 's office about the estimate for property tax being used by Quicken Loans and he stated that my property tax would not increase anything like the amount Quicken Loans is using in the escrow analysis and that the XXXX taxes could increase 1-1/2 to 2 percent. 

I spoke with a person at Quicken Loans about the escrow analysis and she stated that the projected XXXX property tax information came from the XXXX XXXX County Treasurer. The person I spoke with said it is unlikely that his office provided the estimate to Quicken Loans. 

On XX/XX/XXXX, I wrote a Qualified Written Request and Notice of Error to Quicken Loans at the address they provide for disputes or errors. I identified the error in the escrow account analysis, requested they change the analysis, and also requested they provide the source of the information being used for the XXXX property tax estimate ( Request for Information ). 

I failed to receive an acknowledgement of my letter and still have not received a response to my letter from Quicken Loans. 

I am continuing to make payments in accordance with the faulty escrow account analysis results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have told Experian that the XXXX late payment ( XXXX and XXXX ) appearing on my XXXX XXXX account # XXXX were inaccurately reported since it originated from an error from the bank which I have the auto payment on. They failed to properly investigate it and updated this account with the thw XXXX existing payments on my 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 2018-04-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive recently pulled my Experian credit report and Notice accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. THIS HAS GONE ON TOO LONG AND NEED TO BE FIXED ASAP. I have disputed these same accounts with XXXX  and no investigation was done, only remain on my credit report. Attached to this letter is proof that these accounts were deleted by XXXX and are no longer reporting. Please follow suite and delete these accounts for accurate reporting. They must be deleted in order to show my true credit history. The FAIT CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX acct XXXX XXXX XXXX/XXXX XXXX  Acct # XXXX XXXX/XXXX  XXXX  Acct # 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 2019-02-25
Company: Navient Solutions, LLC.
State: PA
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:
I have had a loan with a principal balance of {$64000.00} since 2013. It is now over {$70000.00} due to accrued interest. Interest has been a nightmare for me and I am sure plenty of other students. I was tipped early on to pay attention to interest and pay it down while in school, and I did so. I even paid some of the smaller school loans off in full before my loan went into effect in 2013. From the get-go, I have always been on an income based plan. At that time, there was no way I could afford rent, utilities, daycare, etc. along with a $ 700+ school loan payment each month. When I was first applying for the income based plan, I spoke to a representative about it in general. He explained to me that the payments are lowered but only low enough to cover interest. As such, I was always under the impression that the payments were only as low as the interest that accrues each month. Otherwise, what's the point? I do not like to let interest accrue. I do not want to risk having any accrued interest capitalized. I would not have agreed to this if I knew better. I feel I was misguided. Anyway, I started the plan. I set myself up for automatic payments. I went on with life until I felt I could start paying down my loan. After some time, I noticed the balance on my loan jumped from XXXX to over 70k. How did my balance increase after I have been making payments on it regularly? I called to question it and learned that it is due to {$6000.00} of accrued interest! My payments are less than the amount of interest accrued each month, so it has been racking up without my knowing. Who knows if it has even been capitalized. I keep trying to find documentation to figure out so, but I can't find anything to help me much. The rep says it isn't capitalized. So here I am ... ready to try to tackle some of my principal, and I can't, because I have a ton of accrued interest to work on before I can even touch principal. I feel helpless. What's the point of having an income based or other plan when you are struggling financially? All you are doing is paying and/or accruing interest ... never touching your principal. I thought the income based plan lowered payments yet still applied to a portion of principal and interest in a pro-rated fashion to what the regular payment amount would be. This is not helping us!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: PA
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:
Fraud accounts appearing on credit report. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 Usaa federal bank accessed one of my checking accounts and withdrew {$460.00} to pay for a loan in which they did not have authorization to access the account nor for that amount. I literally just got paid that day and they took it upon themselves to deduct these funds to " off set '' a delinquent loan. The loan is only in my spouses name and they have access to one of my checking accounts but the account they withdrew from they were not authorized to access nor are the funds in the account associated with the borrower. When I contacted the bank about the charge they refused to dispute the transaction or acknowledge my regulation E complaint and said it was just bank policy and they had the right to do it. Personally I find it unfathomable that a service provider believe they are entitled to arbitrarily access a consumers account just because they are a lender and depository institution should not empower them to impact me financially especially when a credit product is involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
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: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize this information US BKPT CT TX XXXX. I contacted that court and they sent me a letter that they do not send anything to the credit bureaus or have any file that matches my personal information. I then contacted XXXX, they show no record of the bankruptcy or a file under my name. I have attached a copy of the letter from XXXX. I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.

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 2023-07-09
Company: EQUIFAX, INC.
State: TN
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Gentlemen, My name is XXXX XXXX. I settled my account ( XXXX Credit Card ) with a Debt Collector. XXXX chooses not to report the proper information to the Credit Bureaus. I have noticed they are basically doing this and hurting the consumer. They basically are saying on the credit report it was basically charged off Debt and it shows that and when companies run credit this shows as a charge off so they are assuming the balance was not paid? I went back and fourth with XXXX and got nowhere!! They basically didnt care!!! They basically are labeling me because my account was in collections!! I think is wrong they are labeling people who do go thru circumstances and do not basically give credit that a consumer settles the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: CL Holdings LLC
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: Account information incorrect

Complaint:
{$370.00} is what XXXX XXXX says I owe them. But I have never had a actual phone bill, it has always been prepaid phones. I have XXXX currently. Someone opened up a account in my name and I think I might know who did it. I would like to resolve this asap. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I requested validation from SCA COLLECTIONS of two unknown medical accounts being reported to XXXX, XXXX, and XXXX. They have provided me zero information to validate these debts. I believe they are reporting fictitious information on my credit reports. This strikes me as being deceptive. These accounts have been left invalidated and must be removed by law. In fact, SCA COLLECTIONS may be violating HIPAA laws along with Federal and State statutes on fraudulent extortion and illegal collection activities.

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 2017-09-15
Company: CAVALRY INVESTMENTS, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My original creditor was XXXX credit card. They sent the debt to collections, Cavalry spv, I, L.L.C.,  a corporation ; they hired XXXX XXXX XXXX, who served me with court papers, suing me. I called XXXX XXXX XXXX and settled on {$650.00} to be paid before the XX/XX/XXXX court date. I paid {$400.00} by personal money order bought at my bank, XXXX XXXX XXXX on XX/XX/XXXX and mailed to XXXX XXXX XXXX. They received it XX/XX/XXXX. On XX/XX/XXXX, I bought another money order in the amount of {$250.00} and mailed it to XXXX XXXX XXXX. They received it XX/XX/XXXX. I called XXXX XXXX XXXX to make sure they received the last money order. I asked if that settled the law suit and the law suit would be dismissed. The individual I spoke with said that yes, it would be dismissed. Today, XX/XX/XXXX, I received notice from the XXXX County Circuit Clerk that I am still being sued by cavalry spv and for the same case and the new court date is XX/XX/XXXX.  XXXX XXXX XXXX records their phone calls. I need help. They lied to me. I am still going to be sued. I 've called XXXX XXXX XXXX many times this evening and left messages. They have not returned my calls. They have late evening hours. I do n't know what to do. They lied. I have no more money. I lost my second job. I ca n't pay anymore. 
What can I do? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was contacted by Navient back in XX/XX/2020. Navient told me my loan was fixing to be due. They told me I had to consolidate my loans in order to get Public Loan Forgiveness. So, I filled out the paperwork for the consolidation and the Public Loan Forgiveness, ( PLF ) documents. I sent the PLF forms in to the Department of Education and it was approved. I also filed the consolidation paperwork online as I was told to do so. I then found out yesterday that my PLF working dates ( which are numerous years of XX/XX/XXXX ) would start over because I consolidated my loans. I called Navient and explained my situation. I told them I wanted to stop the consolidation so that I could get the loan forgiveness. Navient 's representative told me again I had to consolidate in order to get PLF, which was not true in my particular situation. He then told me I could not get the consolidation reversed because it had been over ten days. I called the Department of Education back and they said that Navient could reverse the consolidation loan. I called Navient back and they said they would put a note on my account but it probably will not work because of their ten day acceptance policy. Please help me figure out how to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX loan has been fraudulently opened with my information through another company called XXXX XXXX. I contacted XXXX XXXX   and they closed the account but XXXX  XXXX remains in all of my credit reports as a negative item. XXXX  XXXX has received my police report and other personal identifying information needed. However, XXXX XXXX remains on all three credit reports. I want the negative item removed because it is not mine and fraudulent

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