BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Fraudulent accounts are reporting on my credit reports 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 2017-10-18
Company: EQUIFAX, INC.
State: GA
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:
The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified.
If that situation applies, then the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA  accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information.
Bottom line is that if the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXXXXXX XXXX credit card was closed and charged off as bad debt in XX/XX/2017. However, Experian continues to allow XXXX XXXX  XXXX to inaccurately report the account as an open, revolving account WHICH IS NOT THE CASE. As a result, I have a TON of 90-day late payments reporting each month on my Experian credit report despite several attempts to have both Experian and XXXX  XXXX XXXX correct it. I am kindly requesting that they PLEASE show this account as closed and remove the derogatory 90-day late payments dating back to XX/XX/2017 immediately! I have enclosed a side-by-side of Experian and XXXX  's reporting as a point-of-reference and benchmark for you ; XXXX shows that the account is indeed closed and no late payments post chargeoff. Please help me by having Experian remove the late payments and report the account status correctly because closed accounts should not be able to continuously report new, negative information on my reports. This is hurting my credit tremendously as I'm sure you can imagine. 

Per the FCRA, Experian AND XXXX XXXXXXXX XXXX are responsible for correcting inaccurate credit reporting and this has been going on for far too long. I've disputed this directly with XXXX XXXX  XXXX and Experian and they've done nothing to rectify the situation.

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 2019-01-15
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Repeated harassing calls from XXXX XXXX XXXX ( XXXX  ) XXXX claiming that I am being served with lawsuit documents unless I pay {$3500.00}. Refuses to provide any information about who I would be paying.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. A criminal has used my social security number to apply for credit lines. There are numerous fraudulent credit inquiries and credit card accounts, as well as an auto loan that are fraudulently reporting to my TRANSUNION credit reporting agency. I have submitted a fraud investigation request to TRANSUNION, however they are unwilling to dispute and remove the fraudulent inquiries that are listed below. 

Fraudulent credit accounts XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account Number XXXX Fraudulent credit inquiries XXXX. XXXX  XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-07-23
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea were this account came from, I've tried to call and write multiple time but no one answers or responds. I've never even received a letter or phone call from these people, the only reason I even know about the debt is because I'm currently in the process of building my credit and whatever this account is, is getting in the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing for the correction and update of the payment history of the disputed account on my Credit File. However, I noticed that despite all my efforts to contact the Credit Bureaus, they have also kept ignoring my letters as well as complaints.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 from erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$9600.00} Date opened XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX Balance {$4300.00} Date opened XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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 act The XXXX XXXX XXXX Bank Account 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 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 explanation
Consumer complaint received 2022-06-10
Company: Navient Solutions, LLC.
State: VT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get called a minimum 3 times a day XXXX XXXX XXXX XXXX XXXX and sometimes up to 7 calls a day over a missed monthly payment. I have also received voicemails saying that if I do not contact them back by X date they will negatively impact my credit. Most of the time they call from an unlisted number and do not leave a voicemail which is not a good way of making sure that I know why I was called in the first place. These are the same robo-call tactics that phone scammers use. This has been going on for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I purchased a whirlpool cooktop from XXXX XXXX on line and all the parts were not in the box. I called the store that I received the cooktop from and the manager named XXXX told me that it was nothing he could do because I ordered it online. But when I called the XXXX XXXX  toll free number I kept getting put on hold. I spent three hours and made ten different calls to XXXX XXXX to resolve my problem. I never got anyone on the phone that knew what to do. I had to call XXXX to get the parts I needed and pay XXXX for the parts that where not in the box. Also the cook top has a damaged spot on it. As of today no one from XXXX XXXX  have return my call but XXXX at the dispute department at bank of American tells me there is nothing they can do I should take a loss or keep trying to reach XXXX XXXX. Every time I file a dispute with bank of America they always try to get me to drop my dispute. I may charge at least TEN times each month.

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 2022-06-10
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 Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 2019-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I am a victim of identity theft

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 2022-06-10
Company: Kikoff Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I reached out via Email as well as phone and have received no correspondence from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: APPLE FINANCIAL HOLDINGS, INC.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I inherited 4 CD IRA accounts in Apple Bank of NY. I have sent all the pertinent information to the bank such as a letter of administration, death certificate, etc. I am trying to transfer an inherited IRA to my brokerage account. The bank apparently requires a semi-annual statement to initiate this transfer. I asked the bank to send me the last such statement but they refused ; they said to wait when they issue this statement. 

This back and forth has been ongoing since late XX/XX/XXXXof this year. 

No documents are included because the bank already has the material

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: NC
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:
Consumer contacted XXXX to dispute inquiries that were not mine. I was told by XXXX XXXX of XXXX ( name given ) that inquiries could not be disputed. I was told to contact the creditor and send correspondence to them. I informed them that I will not contact someone I do not know. 

He said that inquiries were factual and they could not dispute them and that I would have to contact the " lenders '' directly and he would not dispute any of the inquiries. I asked them if they could give that to me in writing. He ignored the question. 

He said the inquiries were already in dispute as of XX/XX/2019. When I informed him that I did not dispute anything with XXXX on XX/XX/2019 and when would the dipsute be completed he told me 30 days. I then inquired how was the item disputed and why does it not show " disputed '' on the online account I was then viewing. He did not seem to how know it was disputed. 

I was not given a record of the dispute such as a confirmation number for the call or dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I've been using PayPal for quite some time. I've never been involved in any dubious business dealings. My account has been verified in accordance with the terms and conditions stated. However, on XXXX XXXX XXXX XXXX XXXX XXXX., Paypal sent me an email informing me that my account has been permanently restricted for no apparent reason. This is completely unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XXXX i sent in a letter certified to all three credit bureau certified mail tracking # for each letter are ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) they have violated my rights under 15 U.S.C 1681 section 604 A section 2 the law clearly state a consumer reporting agency can not furnish a account with my written instructions I havent given these accounts written permission to furish these Account on my credit report as well 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
TO SPECIALIZED LOAN SERVICING : THERE ARE NUMEROUS REQUESTS AND COMPLAINTS TRYING TO RESOLVE THIS ISSUE. THE RESPONSES ARE NOT TO THE EXACT REQUESTS AND APPEAR TO " DANCE AROUND '' THE ISSUES INSTEAD OF DIRECT ANSWERS. THE FIRST COPY OF THE " HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT '' YOU PROVIDED FOR THE FIRST TIME TO ME, XXXX XXXX IS AN ALLEGED DOCUMENT I WOULD NEVER AGREE TO. THIS WAS EXPLAINED TO YOU ... ... IT HAS TO DO WITH WHAT SPECIALIZED LOAN SERVICING HAS NOW IN THEIR POSSESSION FOR AUTHORITY TO COLLECT FOR THE XXXX XXXX XXXX XXXX XXXX. I INFORMED SLS OF ADDITIONAL DOCUMENTS WITH NO AUTHORITY AS WELL. I HAVE CONSISTENTLY REJECTED THIS COPY AS WELL AS REJECTED THE MOST RECENT VERSION SLS HAS PROVIDED WITH A BLANK ENDORSEMENT OF A XXXX XXXX XXXX. SLS HAS REFUSED TO DISCLOSE THE SOURCE AND TIME IT WAS ACQUIRED OR ANY DISCLOSURE RELATING TO THIS SECOND VERSION OF THE HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT. THIS IS OF GREAT CONCERN AS IT IS NOT WHAT I SIGNED AND IS LIKE A XXXX OF XXXX IF ACQUIRED BY ANY MEANS BY ANOTHER PARTY. ALL I HAVE ASKED IS FOR HELP TO FIND OUT WHERE THE PROBLEM STARTED AND WHERE YOU ACQUIRED THE SECOND RECENT VERSION OF HOME EQUITY LINE AND DISCLOSURE STATEMENT. YOU HAVE NEVER IN ALL THIS TIME INVESTIGATED OUR CLAIMS TO ASSIST US IN FINDING WHO HAS THE ORIGINAL COPY. YOUR CLAIMED RESPONSES ARE NOTHING NEW AND AVOID THE REAL REQUESTS THAT ARE AT ISSUE. SLS THROWS IN IDENTITY THEFT AND OTHER SILLY STUFF THAT DOES NOT ADDRESS OUR COMPLAINTS. THIS WHOLE LONG DRAWN OUT ORDEAL HAS AND IS CAUSING US MUCH DISTRESS AND EMOTIONAL TORMENT BECAUSE SLS REFUSES TO HELP AND CONTINUES TO AVOID DIRECT REQUEST ANSWERS AND FOR SOME REASON WILL NOT DISCLOSE INFORMATION ABOUT THE SOURCE OF THE SECOND ALLEGED LOAN DOCUMENT. WE SHOULD NOT BE MAKING PAYMENTS BECAUSE NOTHING SHOWS THE RIGHT TO COLLECT FOR XXXX XXXX XXXX XXXX XXXX. THE STRESS OF INVESTIGATING ON OUR OWN WITHOUT THE ANSWERS FROM SLS IS CAUSING MUCH ANXIETY AND EXTREME PRESSURE ON US. SLS ARE WITHHOLDING ANSWERS AND INFORMATION THAT COULD ASSIST US IN THIS SEARCH. SLS CONTINUES TO REQUEST INFORMATION AND DETAILS THEY ALREADY HAVE THAT HAVE NO BEARING ON 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 explanation
Consumer complaint received 2022-06-10
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
1. Discover never approve my credit line increase, so I have to make payment on a daily basis so that I can have enough credit line. 2. Making a payment on a daily basis does trigger an eight ( 8 ) days hold, but can simply be resolved by calling my bank for verification. 3. Nonetheless, Discover had placed a XXXX hold on the account just about two ( 2 ) weeks now, and heard no news from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, I was looking online for current mortgage rates. I was not applying for a mortgage, nor looking to refinance. I was ONLY looking to see the current rates. I began entering information and I had already entered my address when I decided I would not be giving any more information because I did not want to receive multiple calls regarding mortgages. On XX/XX/2022 I received two letters from rocket mortgage signed by XXXX XXXX, XXXX number XXXX. 
The letter states that they were unable to help me with a loan because of debt to income not supported. This is probably because I did not give them any information. It says they did not pull my credit report in making this decision, but the letter stated that it was a denial of home financing. Regardless of whether or not a credit report was pulled, I do not like the fact that they say I was denied financing when I didnt apply for any financing whatsoever. What is the purpose of these letters?? I dont want anyone creating false information that I was denied for financing. I have excellent credit, and when I do choose to apply for a loan, I will have no problem getting approved. There is something off about getting a denial letter when I didnt apply for financing.

Company response to consumer: Closed with explanation