BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The account listed as conserve for roughly 2 thousand dollars has been negatively impacting me without proper validation and or proof, regardless of the fact it is being reported incorrectly. I have stated the laws that are being violated in my initial contact with the credit bureaus and how theyre allowing this to be reported on my credit without my exclusive consent or proof of any correspondence with me and said lender. I attached a copy of my credit report with my letters to the bureaus indicating all inaccuracies. The letter included all my rights that were violated as well as where the bureaus had missteps in my reporting. With the response of the account being updated and validated without proof, the only step is to remove it from my report seeing as though this is false information

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 2017-06-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX # XXXX : Unverified account XXXX XXXX XXXX # XXXX : Unverified account XXXX # XXXX : I have never paid late XXXX XXXX XXXX # XXXX : I have never paid late XXXX/ XXXX XXXX XXXX : I have never paid late Beside that, the below information is too old to have in my file, please delete it immediately : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Loans aka Rocket Mortgage committed to a 30 day close before taking the application with the caveat that due to low rates it would take no more than 40-45 days. They are so slow at processing the loan they keep re-requesting the  same information to delay the loan. They requested the P & L statements as the delay documentation request now for a third time. All third party services have been completed the first 10 days of XXXX. 
Secondary issue is bait and switch on a 15 vs 30 year mortgage after we were 6 weeks into the process. And the exorbitant Fees being charged were not properly disclosed and also substantially higher than quoted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: RIA FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
A one-time international transfer of {$1600.00} ( including {$25.00} fee ) was authorized on XX/XX/2019. 

THREE deductions of the above amount were made by Ria on XX/XX/2019 from my bank account resulting in an over-drawn account. 

TWO of three transactions were NOT AUTHORIZED. 

How is Ria Financial deducting triplicate amounts when only one was authorized? Aren't there controls in place to transact only upon validated authorization and catch duplicate/triplicate transactions ( a simple system solution )? 

I called my bank and immediately connected to customer service, notified them of unauthorized withdrawal and started a fraud investigation. 

I tried calling several phone numbers published on Ria Financial 's website and either got dropped off the line or put on hold for 1+ hour at least 4 times! I submitted an electronic inquiry on Ria Financial 's website to reach them by email. On one of the calls, I finally got through to the Ria agent who could not explain how the triple withdrawal occurred, but confirmed that it impacted ALL CUSTOMERS. Ria agent said that a refund will be made for the two of three deductions within 2-5 business days. Given that Ria 's unauthorized withdrawals resulted in my bank account having XXXX balance, it was of little comfort that it would take up to a calendar week to get money back! How am I supposed to pay my bills in the meantime?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, 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 information incorrect

Complaint:
I am XXXX XXXX, and I am submitting this complaint against Equifax let it be clear that there is no Third Party involved.EQUIFAX doing business as Equifax Information Services LLC Located in XXXX GA has numerous inaccuracies on my consumer report and has failed to properly investigate my complaints for the past 7 Months. In the exhibit most recent attempt to address on how Equifax verified the accounts on XXXX XXXX ( EXHBIT PROVIDED ). Delivered on XX/XX/2022, and after 24 days On XX/XX/2022 you will find the response from Equifax pertaining to confirmation number listed on the Equifax claimed to have verified accounts and refused to remove the accounts that I stated were inaccurate ( EXHIBIT PROVIDED ). It is clear EQUIFAX has been negligent in this matter and failed to conduct a proper investigation on the accounts. I Have conducted my own investigation reviewed my consumer report and in the attached exhibits I was very upset to have found NUMEROUS additional inaccuracies on my consumer report that have been hurting my ability to obtain credit or services fo my use. In the attached you will find my current consumer report with the inaccuracies I have found. There are numerous accounts with the following inaccuracies which contain inaccurate account numbers, inaccurate balances, inaacurate account opening dates, inaccurate last payment dates, inaccurate credit limits, inaccurate past due amounts, inaccurate payment dates, along with accounts that have several other inaccuracies per account ( EXHIBIT PROVIDED ). I THE CONSUMER PURSUANT 15 USC 1681 ( b ) ( 2 ) GIVE EQUIFAX MY WRITTEN INSTRUCTIONS I DEMAND EQUIFAX TO REMOVE ALL OF THE FOLLOW DISPUTED INACCURATE ACCOUNTS IN THE EXHIBIT PROVIDED ALL OF THE DISPUTED INACCURATE ACCOUNTS WITHIN 3 DAYS! THIS HAS GONE ON WAY TOO LONG ENOUGH! EQUIFAX IS NOW LIABLE FOR DAMAGES FOR THE ROLE YOU HAVE ASSUMED. EQUIFAX IS NOW LIABLE FOR DAMAGES OF {$1000.00} PER VIOLATION PURSUANT 15 USC 1681N- " ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00}. THESE INACCURACIES AND INACCURATE ACCOUNTS HAVE CAUSED ME MANY PROBLEMS AND ADVERSE ACTIONS BY CREDITORS DUE TO THE INACCURACIES ON MY CONSUMER REPORT. I HAVE SUFFERED SUBSTANTIAL DAMAGES FROM NOT BEING ABLE TO OBTAIN EMPLOYMENT I HAVE NOT BEEN ABLE TO OBTAIN NECESSARY HOUSEHOLD GOODS, I HAVE BEEN UNABLE TO OBTAIN HOUSING, I HAVE BEEN UNABLE TO OBTAIN A VEHICLE FOR TRANSPORTATION FOR MY PERSONAL AND HOUSEHOLD USE DUE TO YOUR NON COMPLIANCE.I EXPECT YOU TO RESOLVE THIS MATTER EXPEDITIOUSLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They are reporting incorrect information showing i am late paying back when I am in the process to finish school. I have not graduated yet and they showing and reporting I am late and it is effecting all three credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The account listed as conserve for roughly XXXX XXXXXXXX XXXX has been negatively impacting me without proper validation and or proof, regardless of the fact it is being reported incorrectly. I have stated the laws that are being violated in my initial contact with the credit bureaus and how theyre allowing this to be reported on my credit without my exclusive consent or proof of any correspondence with me and said lender. I attached a copy of my credit report with my letters to the bureaus indicating all inaccuracies. The letter included all my rights that were violated as well as where the bureaus had missteps in my reporting. With the response of the account being updated and validated without proof, the only step is to remove it from my report seeing as though this is false information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX ( Original Creditor : 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 2020-04-22
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:
XXXX XXXX, XXXX has reported a collections account to my credit reports in the amount of {$260.00}. 

They are in direct violation of the Fair Debt Collection Practices Act. 

I have never once received a notice from this company at my address, and I have no idea what this debt is for. Nor a phone call or voicemail from them. They made no real attempt to communicate the debt to me. If they did send a notice they either sent it somewhere incorrectly or sent it with no direct company information on the envelope. Opening random envelopes is not safe for a multitude of reasons, and they did not clearly notate themselves on any potential notices. Aside from that, I have informed delivery from USPS and can clearly see nothing from XXXX XXXX was ever sent. 

XXXX  XXXX has violated articles 807, 808, 809 and 812 to name a few.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: NY
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below XXXX  XXXX XX/XX/2022 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 be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Global Lending Services LLC
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Never gave this company permission to call my new number XXXX, and they are leaving constant messages. I had this same problem before with my other phone XXXX, they are continuing the Samething. This is beyond frustrating its already bad enough I was affected by covid late fees are being charged and the vehicle doesnt even work. Very upset by the company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have had a home mortgage with XXXX XXXX ( Loan servicer is LoanCare ) since XX/XX/XXXX. Recently i refinanced that loan and the loan amount with XXXX XXXX was paid off on XX/XX/XXXX. At that time my loan had an escrow balance of {$7300.00} which I should be refunded. Since then i have been trying to call XXXX XXXX and Loancare the servicing company used by XXXX XXXX and have not been able to speak to a customer service representative to understand how i will get my escrow balance back.

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 2019-12-03
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:
The three credit reporting agencies which are Transunion, XXXX, & XXXX   have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

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 2022-04-02
Company: Experian Information Solutions 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 Account # 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 2022-04-02
Company: TRANSWORLD SYSTEMS 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: Account status incorrect

Complaint:
I have a XXXX XXXX XXXX with XXXX University who decided in XX/XX/XXXX to switch their accounting to the Department of Education ( DOE ). Prior to this switch, they had University Accounting Service ( UAS ) as their accounting service. They did switch and per the DOE 's website, my payment had a due date of XX/XX/XXXX. The last statement I rec 'd from UAS was in XX/XX/XXXX, which had a due date of XX/XX/XXXX. That was paid and I even did due diligence and paid an addtl payment at the end of XX/XX/XXXX, even though I had no addtl statements from UAS. I took a screenshot of their website on XX/XX/XXXX and it reflected their wasnt anything due and my last login prior to the XX/XX/XXXX login was XX/XX/XXXX. I received a notice from XXXX University at the beginning of XX/XX/XXXX stating they decided to not use the DOE for accounting and would continue with UAS. I received a call from a UAS rep on XX/XX/XXXX stating my account was 100 days past due. I still had no addtl statements or correspondence from UAS after the XX/XX/XXXX statement, which I explained to the rep. I also explained to her that XXXX decided to use DOE for accounting and then changed its mind. She said she understood and would have someone look into in to it. I checked UAS 's website while on the phone with the rep ( XX/XX/XXXX ), and it reflected an amount due of {$58.00}, but had a due date of XX/XX/XXXX. When I went to pay it, it showed it as a past due balance, which was erroneous. I paid an amount of {$130.00} that day ( XX/XX/XXXX ), just to even one of my bank accounts. Mind you, nothing was due XXXX. On XX/XX/XXXX, I received an email from UAS stating there were documents on my account. I checked my account portal and behold, there was a past due notice ... .again, still no statement generated from UAS after XX/XX/XXXX and XX/XX/XXXX, their website reflected an amount due of {$170.00}, but with a due date of XXXX. Remember, there was only an erroneous past due balance on XXXX. 
I filed a complaint with the XXXX  on XX/XX/XXXX with the above details, along with screenshots of their website, etc., and received a response from UAS stating my account would be corrected and that nothing was reported past due. 
I received a credit alert on XX/XX/XXXX regarding a delinquency on my credit file. Behold, its regarding this particular student loan and showing that it was 60 days past due as of XX/XX/XXXX. This is incorrect. Look at the screenshot dates versus the conflicting/erroneous information on UAS 's website, as well as the screenshot from the DOE 's website with the XXXX due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received an email alert from the bank that they received notification that there was unauthorized changed of address on my credit report in another state, an someone tried to obtain a credit card in my name.

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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX, XXXX has reported a collections account to my credit reports in the amount of {$260.00}. 

They are in direct violation of the Fair Debt Collection Practices Act. 

I have never once received a notice from this company at my address, and I have no idea what this debt is for. Nor a phone call or voicemail from them. They made no real attempt to communicate the debt to me. If they did send a notice they either sent it somewhere incorrectly or sent it with no direct company information on the envelope. Opening random envelopes is not safe for a multitude of reasons, and they did not clearly notate themselves on any potential notices. Aside from that, I have informed delivery from USPS and can clearly see nothing from XXXX XXXX was ever sent. 

XXXX  XXXX has violated articles 807, 808, 809 and 812 to name a few.

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 2020-04-22
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2019 I disputed items with Equifax on my credit report that did not belong to me. According to FCRA they have at most 45 days to complete my investigation or items should be removed.its been almost four months and nothing has happened these items ( 1 ) XXXX XXXX  act # XXXX ( 2 ) XXXX XXXX XXXX acct # XXXX ( 3 ) XXXX  XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I demand to see V erifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof , you must remove the accounts listed below.I demand the following account be verified or removed :  XXXX   XXXX    XXXX   #   XXXX    XXXX  : Unverified account Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX

Company response to consumer: Closed with explanation