BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dept of Ed- got 2 loans in XXXX for XXXX university. Totally XXXX. Paid some for years, was supposed to be forgivin in XXXX. Then without warning XXXX tax return was taken by dept of Ed for over XXXX XXXX The 2 fed loan are same 2 dept of ed loans. They all should be closed with XXXX $ balance! This is the like 9th time in a few years. They keep comin n going and some here some there then all and so forth. Its basically XXXX. Quit hurting us XXXX XXXXXXXX people over XXXX in XXXX XXXX XXXX loan that was and has been paid off and taken care of years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dept of Ed- got 2 loans in XXXX for XXXX university. Totally XXXX. Paid some for years, was supposed to be forgivin in XXXX. Then without warning XXXX tax return was taken by dept of Ed for over XXXX XXXX The 2 fed loan are same 2 dept of ed loans. They all should be closed with XXXX $ balance! This is the like 9th time in a few years. They keep comin n going and some here some there then all and so forth. Its basically XXXX. Quit hurting us XXXX  XXXX people over XXXX in XXXX XXXX XXXX  loan that was and has been paid off and taken care of years ago

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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/XXXX I order a new debit card after Capital One because someone was trying to charge me for things I didn't order with my debit card. No one had authorization to charge my card after XX/XX/XXXX on XX/XX/XXXX Capital One allowed XXXX rent car to charge my card this charge put my account in the negative of {$2300.00}. I rented a car from XXXX I purchase insurance and that was two months ago I should've been charge this. I will be filing a complaint against XXXX too. Once I notice the charge on my bank checking account I did dispute this charge on the XX/XX/XXXX. The problem I'm having is my direct deposit from my job will go to this account this will stop me from paying my bills, having money to go to work and buying food. Capital One are taking they time with dispute they are getting the record mix up. I ask to speak with their headquarter office the clerk staff refuse to give out the number so I can file a complaint about this issue. I'm asking for assistance from your office so this issue can be address asap so I can pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital one bank lists a credit card account with multiple accounts with the actual opening of card on XX/XX/XXXX ( # XXXX ) credit limit XXXX with high balance of XXXX, updated on XX/XX/XXXX ( showing date closed XX/XX/XXXX ). Credit limit increase to XXXX ( # XXXX ) on XX/XX/XXXX with a carry over balance of XXXX. ( date closed XX/XX/XXXX ) Acct : XXXX shows a high balance XXXX on XX/XX/XXXX without credit limit info. XX/XX/XXXX ( # XXXX ) shows a credit line decrease of XXXX with high balance of XXXX four years later! There are no late payments or fees involved and clearly this is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: BYL Collection Services
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Account # XXXX no contract or no signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Ive requested proof via mail and online of a judgement that was attached to my name on XX/XX/2017. I also submitted these papers as I was a victim of identity theft. 

Currently, Transunion will not let me log in to their online portal to review my report or submit a dispute. Ive had this account for over 5 years and now I am not able to log in. 

1. When the investigation came back they advised the said judgement was accurate. Transunion did not provide any documentation that would solidify that this information is accurate. Proof should be provided and not just a broad statement that what was reported is inaccurate. What is accurate? 

3. When I reached out to XXXX XXXX regarding the release of inaccurate information I was advised via mail at my address which is on file with Transunion which included my name that I could not be located in their system. 

Transunion is falsely reporting inaccurate information and anything tied to this judgement should be removed immediately. 

Transunion should provide valid documentation to me as the consumer on how this information was validate for accuracy if I am not in XXXX XXXX database.

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 2016-06-27
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016 I called our mortgage company, ditech XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX ), to ask them the procedure to have the PMI to be removed from our mortgage payment. I was advised to write a letter asking for the PMI to be removed and giving authorization for an appraisal and told to fax it in. I faxed it in and received confirmation it was received. I was told I would hear back within 30 days. 
I never heard back and have called every month since ( XXXX ) the staff at ditech are very nice but they continue to tell me they do n't understand why the Escrow Department has not contacted me to set up an appraisal. I have asked to speak with someone in the Escrow Department and have been told that department does not take calls. I spoke with a supervisor and she has tried to help but I am still getting nowhere. 
The home values in our area have increased significantly and I would not be asking for this PMI removal if I did not know it is not justified at this point. 
Your help in this situation is appreciated. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: MS
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 XXXX accounts in my name on my XXXX credit report that I dont have a clue about. XXXX is XXXX XXXX XXXX and the other is XXXX XXXX XXXX My idenity was stolen and used to recieve credit cards that I didnt consent too. I am filling this report to press charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BANKUNITED, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX when I closed this IRA account Bank United NA sent a check to me for {$210000.00}, payable only to XXXX XXXX the IRA custodian for the benefit of me. The check was supposedly delivered by XXXX on XX/XX/XXXX to my home. I NEVER received the check. 

Bank United has since refused to issue a 'stop payment ' on the check and reissue a new check. They required that I submit a notarized Affidavit ( sent XXXX ) and a sheriffs report ( sent XX/XX/XXXX )- which I did and they confirmed receipt of. 

As of today ( XX/XX/XXXX ) they still refuse to issue a new check and they have not even indicated they intend to ever reissue a new check. The check can only be cashed by XXXX XXXX for the benefit of my IRA and XXXX has not received any deposits from me since XX/XX/XXXX. I'm XXXX XXXX XXXX and have lost the income from my IRA due to Bank United 's holding my money hostage which is causing me a serious financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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:
I sent letters to the consumer reporting agencies regarding fraudulent inquiries reporting on my consumer report, and I filled an identity theft report that is attached below, and I also filed a police report with the XXXX Police department, still waiting for that report to become available. The fraudulent unauthorized inquiries are listed in the identity theft report attached below with dates the fraud was committed.

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 2015-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had applied for refinancing my apartment loan with Capital One Bank. 
After I went through the entire process, provided all documentation ( tax return of 2 years, COOP share certificate, 8 years Government Civil Service employee and salary proof ) requested by them, paid the fees {$250.00} for appraisal, {$200.00} for their COOP board evaluation, after a month and a half with back and forward, they sent me an email indicating that I had been denied because the COOP insurance does not cover three months of maintenance which is required by XXXX, and no bank would refinance it. 
They indicate that if the COOP would pay a little more of insurance, than they would approve. 
They also told me that I will not find another financial Institution that would refinance it. 
I went to my COOP board and they indicated that they never heard anything like this before. They indicated that many people already had refinanced recently at our COOP with no problems. 
I do not think this is right and apparently there is nothing that I can do about it. 
I had spent my money ( no refund ), my time, my truth with the best intentions of making my American dream to become true in 15 years, instead of 30 and in one line of an E-mail, it had been taken from me with no reasonable explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX # Account XXXX has violated my rights. 

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

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

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 2020-06-16
Company: Valor Intelligent Processing, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received phone call from XXXX on XX/XX/2020 at XXXX XXXX. Caller didn't identify himself with any debt collector and said I owe {$510.00} and how would I like to pay. I said I didn't owe anyone and I disconnected the call. 

Received second phone call from XXXX on XX/XX/2020 at XXXX XXXX. Caller again didn't identify himself with any debt collector and again asked how I would like to pay {$510.00}. I said if I owed a debt they must send me notification via mail. Caller argued and said I still needed to pay today to take care of this. I disconnected call after caller began to raise voice. 

On XX/XX/2020 I received a letter dated XX/XX/2020 from " Valor Intelligent Processing '' concerning an owed collection from XXXX  XXXX in the amount of {$510.00}. I contacted XXXX XXXX directly and confirmed I have no accounts in collection and the account number on the letter was not a valid account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: ECMC GROUP, INC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
ECMC sent me a letter dated XXXX/XXXX/2016 which stated that it validates a debt regarding Stafford loans, but their statement is fraudulent. I do not owe a debt to ECMC. The debt was consolidated with the U.S. Department of Education ( XXXX ) two years ago, and is being paid by me to them, and the documentation is a matter of public record since they are a federal agency. In addition, the private loan has also been paid to private lender XXXX. Therefore, I do not owe a debt to ECMC. I wish to dispute ECMC 's fraudulent reporting to credit agencies. ECMC needs to stop sending me letters and calling me. I do not owe ECMC anything, because I consolidated my student loans two years ago and I have been paying on them this whole time. I attended XXXX University, and before that, University XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: MI
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 Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX  XXXX # Account XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Accounts # XXXXXXXX XXXX XXXXXXXX {$11000.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX, {$9000.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, {$3800.00} XXXX XXXX XXXX XXXX {$0.00}. Showing 90 days late XX/XX/XXXXXXXX XXXX # XXXX {$15000.00} closed XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX closed XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX {$170.00} XXXX XXXX XXXX {$16000.00} XX/XX/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 2021-12-15
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Last XXXX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. Equifax Mortgage Solutions, XX/XX/XXXX XXXX. XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was working with Quicken Loans for the loan I was trying to obtain. They approved it and ask me to get an appraisal on the house. After this was done Quicken denied the loan. I asked about a refunds on the appraisal and they denied it. According to them it was a service provide that is non-refundable. I was not told this upfront only after everything was done. Now I want to used another lender and they mentioned I might have to to another appraisal done. I am very displeased because this is money coming out my pocket and its not cheap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08
Company: Experian Information Solutions 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:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which do not belong to me or opened without my permission : XXXX  XXXX XXXX opened : XX/XX/2018 XXXX : {$240.00}.

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 explanation
Consumer complaint received 2020-06-16
Company: Synergetic Communication Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX Synergetic Communication, Inc. contacted me by U.S. mail with a demand letter for payment of a debt of {$6000.00} that does not belong to me. The debt is from a credit card company named XXXX XXXX. This debt is from the result of Identity theft, where my personal identity information was stolen and used without my consent. I am disputing the debt of {$6000.00}, because it does not belong to me and was a result of Identity theft.. I am not paying this debt because it does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: TX
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 denial for credit notice from XXXX XXXX   in XXXX. I registered a CFPB Complaint on it as I never applied for credit with any one this year much less XXXX XXXX. In their response they noted they do the financing for a company called XXXX XXXX XXXX ( XXXX ). XXXX said XXXX sent them a request for credit approval on my behalf. I have no idea who this company is and I have had no medical procedures in a year and half and that one is paid for. I have none scheduled this year and owe no hospitals, urgent cares, specialist or doctors of any kind. I have had 2 visits to my Primary Care Provided doctor and those were covered with my copay. XXXX had no authority to request XXXX XXXX  to pull my credit.

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