BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$37000.00} XXXX XXXX  XXXX XXXX XXXX : {$43000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX Balance : {$610.00} ATTYGENERL XXXX Balance : {$43000.00} ATTYGENERL XXXX Balance : {$36000.00} XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$38000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$44000.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$460.00}

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 2022-06-12
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: Account status incorrect

Complaint:
This debt collector has illegally parked an alleged debt from XXXX XXXX on my credit report without first validating the debt with me via mail. I do know that this is illegal & a violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
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: Personal information incorrect

Complaint:
This complaint is about my personal information being inaccurate on my credit report. I've called XXXX, XXXX and Experian about them reporting the wrong addresses on my report and they haven't resolve it and refuses to fix it. 

I am seriously concerned about the wrong addresses being reported and can also can jeopardized my identity or lead to Fruad if has not already. 

This is my fourth attempt trying to get these items removed. 
I wrote 3 letters these dates XX/XX/XXXX, XX/XX/XXXX and I am sending a letter day and I also called them XX/XX/XXXX and they did not fix this issue.

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 2023-09-18
Company: EQUIFAX, INC.
State: CT
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 DO NOT RECOGNIZE THESE ACCOUNTS 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
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: Investigation took more than 30 days

Complaint:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago. The investigation took longer than 50 days. This is a direct VIOLATION of FAIR CREDIT REPORTING ACT SECTION 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wengerv. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all FRADULENT accounts as I have no knowledge of these accounts due to the Equifax Data BreachXXXX Identity Theft. All is being investigated by the FTC. 
I am also keeping the companies listed below informed of your willful noncompliance. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
A closing date was set for XX/XX/XXXX and Quicken loans did not honor it and it was the date they set. XXXX XXXX and XXXX XXXX said there is a three day waiting period in which they can not fund the loan. In XXXX of XXXX, Our Federal Government put into place the Interpretive Rule, managed by the CFPB, allowing consumers to waive the three day TRID waiting period if the waiting period was causing a financial hardship due to the pandemic. I have been living in a hotel for nearly three weeks and boarding my dogs due to the sale of my home and XXXX not being able to close in time. This is certainly creating a financial hardship by having the closing extended. I put it in writing and sent it to multiple people at XXXX including the people mentioned above as per a real estate attorney requested saying they are Federally mandated to waive the three day waiting period. XXXX refused to follow the Federal mandate and honor their closing date. The sellers of the home I am purchasing flew in from Florida. Soon I will not have the funds to close and to keep living in a hotel and boarding my dogs. I am asking for assistance with XXXX  loans. I also told them both this on a recorded line and they just keep saying they will get back to me. I have hired movers for the original closing date and two sets of realtors and a family from Florida, as well as the title company are all expecting the closing to be on XX/XX/XXXX and we were just told it will not close on XX/XX/XXXX. I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
On XX/XX/XXXX of this year, just before property taxes were due, I realized on one of my mortgages the escrow account did not pay my property taxes as of said date.

I called Shellpoint inquiring as to why my taxes weren't paid yet? They said they would respond with 72 hours ... No response ... I call back again ... same response - " we will call you back in 72hours '' ... another 72 hrs later zero response..This went on for almost two months when finally I called and they said the escrow account is short and they need to recalculate what the dollar amount is ... ... They said they would get back to me in 72 hrs ... No call back since Shellpoint took over as lender at the beginning of the year I have been on automatic withdrawal on all 3 accounts I asked them until they get this adjustment corrected should I refrain from automatic withdrawal ... They said thats not a problem as they would rectify this issue quickly and get back to me
within 72 hours ... Absolutely aero response I call into Shellpoint in XXXX to ask if they paid the property taxes and penalty and wanted to make sure I wa n't being charged for this error on their part and penalty for unpaid taxes They assured me they didnt charge me and sent me a letter justifying the charges and that they paid the penalty ... At this time they didn't mention I had to pay XXXX 's mortgage payment ... And I was put back on automatic withdrawal so I figured they worked it all out and I would just get automatically billed for the new amount It wasn ; t until a few weeks ago did I get notification that my credit score showed a missed mortgage payment for XXXX I immediately called them and every 3 days when I call in have been given the same speech - " we are looking into it and will get back with you within 72 hours ... ZERO RESPONSE!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
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 is missing that should be on the report

Complaint:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT : XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Here is the false information I found on my profile : Accounts 1 ) XXXX XXXX/XXXX  XXXX  : {$0.00} - XX/XX/XXXX 2 ) XXXX XXXX XXXX : {$0.00} - XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX : {$0.00} - XX/XX/XXXX 4 ) XXXX XXXX XXXX  USA : {$1600.00} - XX/XX/XXXX 5 ) XXXX XXXX XXXX : {$0.00} - XX/XX/XXXX Inquiry 1 ) U.S. Bankruptcy Court - XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX : Reported on 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 2023-04-29
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Macys called me and asked me was I trying to make a large purchase, I told the no! The said ok we are canceling your card and sending you a new one! A few days go by and macys called me again and asked me for a second time did a make a large purchase and again I said no! The guy then tried to send my another one and I said no cancel my account Im done with Macys because I feel it was happening internally the man tried to say my information was stolen and I informed him that out of all my credit cards Macys is the only one affected and whatevers going on is happening on their end he then advised me to report it to the credit bureau I did and the dispute was not overturned

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: Experian Information Solutions 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:
The family educational rights and privacy act ( FERPA ), a federal law enacted in XXXX that protects me from the privacy of student education records for XXXX. Any public or private elementary secondary or post secondary school under 20 USC 1232g ( b ) this needs taken off my report 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 2021-05-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have paid XXXX and XXXX as well as several others to help with identity theft and recieved no services. Irs cant get no transcripts nor mail to me and the paper I did get provides false info and I can not access my account I have reported to local authoritys as well as US Marshalls and SBI do to a county retaliating against me for a wrongful conviction Im trying to get in court and I need help

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 2019-07-01
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sunrise Credit Services Company has called repeatedly in regards to a collection account that I do not owe. They have been calling since XX/XX/2019. I spoke to the company XX/XX/XXXX, and they were unable to verify my name and and address, and had an Address on file Ive never lived at before. They had stated that I am not the person they are looking for, but they are still harassing me to this day.

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 2018-08-01
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I believe Navy Federal Credit Union has been charging me interest on late charges in addition to interest on the principal. I understand interest applies to the principal. 

I also believe the Credit Union has been reporting late charges and interest on late charges as part of my balance to the 4 credit reporting agencies. 

My personal loan matured in XX/XX/2018 and I made my last payment in XX/XX/2018, however my balance is over {$2000.00} and continues to grow each day. I believe the Credit Union is also using compounding on these fees which is increasing my balance each day.

Although the Credit Union has provided my payment history the breakdown does not answer my question about interest on late charges and credit reporting of the same. The spreadsheet has 7 columns, all self-explanatory except a " P3 ''  column that has no description. The line items are self-explanatory except " Late Fee Capitalization '' which I do not understand.

As of this date the Credit Union has not answered my questions. As of this date I have not made any other payments since my XXXX payment. My loan matured in XXXX and I made what I thought was the last principal payment in XXXX. The late fee balance is increasing each day and is {$2000.00}. I have not made any other payments because I do not know what I'm paying for. 

These questions remain? 

1 ) Have I been charged interest on late charges ; and, if so, the total amount of interest charged " on late charges, '' not principal, over the duration of the loan? 
2 ) Has interest on late charges and late charges been reported in my loan balance to the credit reporting agencies? 
3 ) Exactly what does my current balance represent? I do not know and that's why I am not paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX : Reference number XXXX Original filing date XX/XX/2019. Provide proof that you investigated this information and the steps you took to investigate this inaccuracy on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Block, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
{$500.00} was taken from from cashapp available balance on XX/XX/XXXX going into XX/XX/2023. The company ( Cashapp ) can not tell me where my money is or what transaction lead to taking it. Please I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My spouse is an XXXX XXXX XXXX XXXX, and I am in the process of seeking a reduction in the interest rates on my student loan. This loan was obtained prior to his enlistment in the XXXX XXXX. However, Sallie Mae is unwilling to cooperate, citing that my spouse is not the co-signer. According to legal regulations, spouses are protected under the Servicemembers Civil Relief Act ( SCRA ), which extends these protections irrespective of co-signer status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke with XXXX on XX/XX/XXXX to make three accounts current ( and out of forbearance ) and confirm that this would be updated with the credit bureaus prior to a XXXX closing date. 

I called XXXX to confirm at the end of the month and then almost every single business day since XX/XX/XXXX to ensure this was updated appropriately with the bureaus. 

However, as of XX/XX/XXXX all three accounts have not been appropriately updated with all bureaus as out of forbearance, and this is holding up my closing per XXXX guidelines. I have now been charged the EMD ( earnest money deposit ) of {$3000.00} for defaulting on the contract and despite more than 20 calls over the past several weeks, they have failed to correct a single account, although they have updated the bureaus with the loan balances.

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 2023-11-14
Company: ROBINHOOD MARKETS INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My phone was hacked on XX/XX/XXXX and an u authorized party used that access to connect my XXXXXXXX XXXX  account to my Robinhood account. Between XX/XX/XXXX and XX/XX/XXXX the thief tried to spend the money but XXXX XXXX blocked the transaction. The money remains in my Robinhood account. I have reporters the fraudulent activity to robi hood but they declined to return the funds to my XXXXXXXX XXXX account. They have blocked my access to remove the funds from my Robinhood account and they will not respond to any of my requests for assistance. I tried calling and emails and no reposonse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received a debt collection notice from Southwest Credit Systems LP. This was for a debt owed from XXXX and during a time when I did not have a XXXX account. After contacting XXXX they noted that the account was fraudulent, at an address I have never lived, and with a person/phone number that I do not know. This is now on my credit report and negatively impacting my credit, despite me never having this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Cawley & Bergmann, LLP
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The XXXX XXXX card was opened last year XX/XX/2017, i am not making enough money to pay them at once or more than {$100.00} a month, they are saying that they will file a law suit against me, please help

Company response to consumer: Closed with explanation