BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: IL
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 # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, 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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 # 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 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
Consumer complaint received 2021-02-01
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a/c XXXX/XXXX/20. On XX/XX//20, completed payroll direct deposit reqt. of XXXX {$500.00} within 60 days to qualify for {$200.00} bonus. Bonus should have been awarded 90 days later ( XXXX/XXXX/20 ). I've called twice & both times was told yes, bonus would be credited with 2-3 business days but have yet to receive it. Bonus code was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CCS Financial Services, Inc.
State: AZ
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:
Hi, I disputed Credit Collection Service/ XXXX  XXXX XXXX XXXX on all three credit reports. Credit Collection Service/ XXXX XXXX said they had verified my account properly. 

Credit Collection Service/ XXXX XXXX XXXX XXXX did not verify this account properly and they are still reporting it on my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I have attached the type statement up sent me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We took out a mortgage in XX/XX/XXXX and although we had excellent credit at the time, interest rate was 5.2 percent. The following year they called and offered to lower our interest and payment. Suddenly they canceled the refi and everything went to XXXX. We filed Chapter XXXX and signed a reaffirmation. The BK was discharged and they sent us a letter for a loss mitigation program. We applied and they approved us immediately. It lowered the interest rate to 3..8 percent and the payment went from {$1900.00} to {$1400.00} per month but the term changed from 30 years to 40 years. Since it is an FHA loan we had to include an escrow payment which they said would be {$240.00} per month. We paid the 3 trial payments and now suddenly the escrow has ballooned to {$600.00} per month and our mortgage payment is higher than before. 

Now yes, I understand not getting approval for a loan. However, what I cant abide is someone calling me making pie in the sky promises on which they can not deliver. Its just a XXXX thing to do to people. To tell a retired person they are going to save {$1200.00} a month and get rid of the PMI only to retract the statement a day later is an emotional roller coaster I would rather not ride. 

Im really offended at being manipulated and exploited as a financial product. 

Raising our escrow payment - in fact demanding wildly fluctuating amounts WITH NO SUBSTANTIATION citing a new escrow analysis that they have yet to provide, all the while sending letters threatening foreclosure. This is unacceptable to us and a terrible business practice. 

Quicken reported us on XX/XX/XXXX to the credit bureau for being late? 
The program Quicken pitched to us is called APPLICATION FOR SUCCESS! How is the in any way making us successful? 

First of all, on XXXX XXXX we were still under protection of the automatic stay of BK. Secondly, what damage was caused to Quicken when they had already set up autopay for the trial modification and added TEN YEARS of interest to our loan. In XXXX we paid XXXX in interest on our loan. Does this count anything? 

In XXXX we handed over {$40000.00} cash to Quicken as a down payment plus and additional XXXX in closing costs. Does this seem to be the behavior of someone not taking this seriously? 

Recent notice of autopay for XX/XX/XXXX. At NO time did we authorize this. Please check your recorded lines, there is no record of it. 

They treated us like low rent XXXX. All of this could have been prevented if they would have just given us the refi in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: EQUIFAX, 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:
Equifax is reporting inaccurate public record information. They failed to do a proper investigation. They said that they validating this. I went to the court the court said they don't validate or report to any credit bureaus. Here is my letter from the court but yet the credit bureau is still verifying this information as accurate. The US Bankruptcy court-XXXX ID # XXXX is inaccurate. I attached proof that this information was not verified with the courts. 
I contacted XXXX XXXX a letter via mail on XX/XX/2021 requesting them to verify and provide me with a copy of a contract that I have with their company, bearing my signature, provide me with a copy of my HIPPA release from the medical creditor that releases my medial information to them. Provide me with the first date of delinquency from the original creditor in accordance with FCRA Sec 623 ( a ) ( 5 ) ( A ) ( B ). They violated my HIPPA rights and did not provide me with the requested information. 
Equifax stated they obtained my information from third party vendor, XXXX on XX/XX/2021 but, I put a security freeze on my information on XX/XX/2021 with XXXX. Another Credit Bureau, XXXX, deleted the collection item, XXXX XXXX XXXX, from my credit report, but I thought all your information was obtained from XXXX, like XXXX. please see the attached Equifax dispute results, XXXX security freeze, XXXX account deletion, and also the letter I sent to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Radius Global Solutions LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sometime after Hurricane Ida on XX/XX/XXXX, XXXX XXXX increased my internet bill without providing notice and without my agreement or consent. XXXX did not send a bill with the increased amount until after services were rendered. I contacted XXXX by phone to ask about the change and why I was not notified of an increase. I also asked them to provide the contract where I agreed to pay a higher amount, which they did not provide. I offered to pay the amount that was originally contracted for ( {$29.00} per month ), which XXXX refused. I cancelled my service with XXXX and switched to another provider in my area because I was concerned about additional price increases without notice. 

On XX/XX/XXXX, I received a letter from Radius Global Solutions LLC claiming {$110.00} owed to XXXX XXXX. I sent a letter in response on XX/XX/XXXX to the email address provided in their letter, XXXX. My letter stated that the debt was not owed because I did not agree to pay a higher amount for internet service and that Radius should cease collection efforts. I invited them to send documentation confirming the debt is legitimate. I have not received a response but was notified today that the amount is reflected on my credit report, indicating that Radius Global Solutions failed to cease collection efforts in accordance with the Fair Debt Collections Practices Act.

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 name XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX  Account name XXXX  account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXXXXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX Account # XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name 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
Consumer complaint received 2017-07-21
Company: Navient Solutions, LLC.
State: MT
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:
XX/XX/XXXXI contacted Navient stating that I have been paying my student loans for over 5 years now and my principle has not decreased. The loan was sold to the from XXXX XXXX which was previously owned my another company. I requested the original paperwork so I could see all of the transactions and payments I have made. Navient was not able to provide me this information. I then asked to change my repayment status so that I could qualify for Public Service Health Forgiveness. I was instructed by Navient 's representative to not change my repayment plan and that as long as I continued to make 120 payments the remaining portion of my loan would be forgiven. XX/XX/XXXX - I contacted Federal student aid and was informed that I did not change my repayment status, the last 7 years of payments did not count towards forgiveness. I called Navient and asked for a copy of the transcript of our conversation from XXXX. Once again Navient was unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have been in the process if trying to buy a car. Once I was denied I pulled my credit report. Upon pulling my report I saw numerous accounts that did not belong to me. I was amazed and very saddened that the credit reporting angencies were able to report false information. I have tried and tried to resolve these issues with no good results! Please help! This has been an awful experience and no American citizen should have to go through it! The accounts on my report are XXXX XXXX XXXX ( Which reports twice! ) I have no knowledge if this debt! XXXX XXXX, I have no knowledge of this debt! XXXX/XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX. I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX ( which reports twice ) I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! There are several unauthorized inquiries that are in authorized! They are XXXX XXXX XXXX XXXX, ( unauthorized ) XXXX XXXX, which reports twice ( unauthorized ) and XXXX XXXX ( unauthorized ).

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 2022-01-27
Company: Experian Information Solutions Inc.
State: SC
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my transunion credit report and there are several unauthorized inquiries on my report. Transunion had no consent from me to report these fraudulent inquiry accounts on my credit reports and I demand to know why the did so. I filed an identity theft report with the FTC and mailed it to Transunion along with a letter authorizing them to remove those inquiries and they have not removed them.

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 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have mailed correspondence to XXXX in XXXX and XXXX to dispute inaccurate information on my credit report without success. XXXX has not responded to either correspondence and I attempted to submit a dispute via online but the site is so confusing to navigate. I have credit monitoring and XXXX is still reporting inaccurate negative information and will not remove it. It is affecting my credit score.

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 2022-01-27
Company: Experian Information Solutions Inc.
State: MD
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:
My loan with XXXX XXXX was under Covid forbearance for 15 months. After the forbearance period I was approved for a Covid Relief loan modification. Now that the forbearance period has ended XXXX XXXX is now reporting that I was late during the forbearance period ( 15 months ) worth of late payments. 
I can loose my job over this inaccurate 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 non-monetary relief
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: MD
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:
My loan with XXXX XXXX was under Covid forbearance for 15 months. After the forbearance period I was approved for a Covid Relief loan modification. Now that the forbearance period has ended XXXX XXXX is now reporting that I was late during the forbearance period ( 15 months ) worth of late payments. 
I can loose my job over this inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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:
In Accordance with the credit reporting act : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as violated my rights. 
15 U. S. C 1681 section 602 A. State that I have to write to privacy.

15 U. S. C. 1681 section 604A section 2 : It also state 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 2017-07-21
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly attempted to dispute a debt that is currently being reported by credit prt Associates in the amount of {$370.00} ... This is not my debt.

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 2022-01-27
Company: EQUIFAX, INC.
State: VA
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:
Equifax apparently does not feel it's necessary to comply with current regulations regarding providing free credit reports to citizens. 

After filling out a request for my free credit report at annualcreditreport.com and requesting my Equifax credit report I was redirected to an Equifax page that said to please call them without providing a phone number ( screenshot attached ). I waited a month and tried again to the same effect. After locating their phone number I called Equifax about this : they informed me that I could only order my free credit report through them directly, and that I could not access my free credit report through any other website ( including annualcreditreport.com ) This is in blatant disregard of the federal mandate. 

Per the FTC website : https : //www.consumer.ftc.gov/articles/free-credit-reports " '' The three national credit bureaus have a centralized website, toll-free telephone number, and mailing address so you can order your free annual reports in one place. Do not contact the three national credit bureaus individually. These are the only ways to order your free credit reports : visit XXXX call XXXX complete the Annual Credit Report Request Form and mail it to : Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX " ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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:
The following accounts are fraudulent : XXXX XXXX  {$210.00} 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 explanation
Consumer complaint received 2022-06-14
Company: National Credit Adjusters, LLC
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:
NATIONAL CREDIT ADJUSTERS have been reporting to my credit as a collection on XXXX and XXXX the debt was paid and the company agreed to remove from my credit report. XXXX have no problem removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 



XXXX XX/XX/2021 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed my credit report and found a debt in the amount of {$990.00} that is being reported by a collection agency by the name of AR Resources..this is not my debt.

Company response to consumer: Closed with explanation