BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It has been a year ; I have been disputing some incorrect information that is incorrectly reported on my credit report. I have requested this information from both the credit bureaus and the creditors, and both have failed to make an attempt to respond to my situation. So I would like to take advantage of this opportunity to file a complaint on my behalf of my credit reporting issues.

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 2021-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Bank of America sent me a card with a {$20000.00} limit. It appears it was issued by Merrill Lynch wealth management ( where I have an IRA ). I never applied for the credit card, I called Bank of America on XX/XX/2021 and was told an application was submitted for the card on XX/XX/2021. I certainly did not apply for this. I ask for the information related to the card opening and attempted to dispute the card. I was put on hold and no one got back on the phone after 45 minutes.

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 2019-12-11
Company: Experian Information Solutions Inc.
State: MS
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:
I am unable to obtain my free credit report or even a paid report because the online authentication fails with my correct information entered.Their website then tells me to call a certain number, during a certain time, but it is all automated. I go through the call menu options and it eventually just hangs up on me after the automated messages. I cannot get a live agent on the phone to help me get the information I need.I also am unable to complete disputes online, credit alerts, credit freeze due to your failure of a website!I've sent the company emails and am still unable to get a response!!!

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 2017-06-02
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Received  XXXX  inquiries on my credit report from a Target/td bank that I never authorized dates  XXXX / XXXX / 2017  and  XXXX / XXXX /   2017  I called and made them aware of this but was told to call credit bureaus who of course would n't remove them and told me to call company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im coming forward today today to state how this company have purposely created and formed deceptive forms and reported false and inaccurate information on my consumer report with out proper validation I have listed all the laws Credence have violated I want action behind this as I have been embarrassed by the forms they have furnished and placed on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11
Company: Consumer Collection Management. Inc
State: UT
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:
Consumer Collections Management sent me notice for a collection that I do not owe. I have been trying to contact them to resolve the debt and they have been extremely rude and will not help me. I need this removed off my credit, I do not owe this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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:
After careful reviewing my credit report, i noticed accounts which are not mine. 
I have never applied for these creditors, i don't have any contracts where is my signature on with these companies. 
I believe, that someone stole my personal information, i applied for police report.

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 2022-04-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit report act XXXX XXXX XXXX Account number 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 2017-06-02
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is  XXXX   XXXX , and I bought a home in  XXXX  from  XXXX  ndy Mac Bank.  I lost my home to foreclosure in  XXXX . I tried everything possible to save my home, an d Indy Mac Bank denied me a home loan modification. Instead Indy Mac Bank force d a foreclosure on my home and I lost my home in  XXXX . I even filed for bankruptcy on  XXXX  occasions to save my home,  but IndyMac Bank s till forced a foreclosure on my home. The address of the home I lost to foreclosure in  XXXX  was  XXXX   XXXX   XXXX ,  XXXX   XXXX , California  XXXX . I invested a lot of money on this home and I never got a dollar back fro m Indy Mac Bank. They ( Indy Mac Bank/One West Bank ) owe me a lot of money in return for forcing my h ome into foreclosure. Please help me with my compl aint. IndyMac Bank shoul d pay for what they did. Please help me recover some of the money I lost. Thank you for your help.   Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2017-06-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I checked my credit report on XXXX XXXX and I had a total of 19 collection accounts & 4 hard inquiries removed from my report. I checked my account again on XX/XX/XXXX and I saw that all 19 collection accounts & 4 hard inquiries were placed back onto my credit without sending me a reinsertion letter as required by FCRA section 611. I have called XXXX several times since the incident to try to get this issue resolved but I have not received any help. Reps wo n't assist me nor will they transfer me to the fraud department telling me that they know what happened but they ca n't help me so basically it 's too bad & that I should file a complaint because they wo n't fix the issue. I have faxed proof that I was affected including screenshots of the removals/re-entries to XXXX but they continually say theyve not received anything from me. Since then I have successfully had the original creditors remove some of them from my credit file after theyve confirmed and validated the accounts as false. Also since then, XXXX has added a recording that can be heard when calling their toll free numbers ( XXXX ) XXXX & ( XXXX ) XXXX explaining and admitting to technical issues taking place on the dates between XXXX XXXX & XX/XX/XXXX XX/XX/XXXX that affect account and inquiries being removed and added back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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: Reporting company used your report improperly

Complaint:
My Experian online credit account was accessed by a person who has my identity information and is calling Experian and telling them he is locked out of his account. He then is granted access and he changes my password, email, and phone number on the account. I leaned that my account was taken over when I tried to log in. I called Experian and was able to prove my identity. I regained control of my account. Then in XXXX of 2021 I tried to log in and it was taken over again. 

I reported this to Experian and now I bought their credit monitoring service. I believe the criminal will just call them and convince Experian that he is me and take over my account again. I already had credit freezes and alerts on the 3 credit agencies. The person was successful at opening up a bank account in my name at XXXX XXXX in XX/XX/2021. 

I need Experian to not allow a person to call in and get an email to make a new password. I have not been compromised by computer. My information was exposed from the XXXX information hack years ago. I need help stopping Experian from allowing a person on the phone from getting access to my account.

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 2021-11-16
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
By means of background, I am a nurse and have been working extraordinarily hard during the COVID epidemic, I am also a single mother with XXXX young children and support both my brother who has XXXX XXXX and my mother who is elderly and in a XXXX home. Earlier this year I received a letter from Rocket Mortgage saying there was an issue with my mortgage. I call the mortgage company right away and was advised by a very helpful agent that the Rocket was working with customers during Covid especially those in the front line. I also called my insurance agent who advised me that they didnt see any issue with my coverage. Based upon the assurances from Rocket I assumed that they would be paying the insurance from my escrow as normal. Unfortunately, the legacy insurance policy was not renewed and it appears that Rocket purchased unbelievably expensive insurance that only covered them and that the policy is retroactive. One I became aware of this I called Rocket again and now I am being told that there is nothing they can or will do for me. I have faithfully made my mortgage payments every month but can no longer afford the spike in payments to cover the forced place coverage. I have a new policy on the property which Rocket is aware of. Rockets assurances seem like hollow and empty promises, I candidly feel betrayed after working so tirelessly to serve my community. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I checked my credit report on XXXX XXXX  and I had a total of 19 collection accounts & 4 hard inquiries removed from my report. I checked my account again on XX/XX/XXXX and I saw that all 19 collection accounts & 4 hard inquiries were placed back onto my credit without sending me a reinsertion letter as required by FCRA section 611. I have called XXXX several times since the incident to try to get this issue resolved but I have not received any help. Reps wo n't assist me nor will they transfer me to the fraud department telling me that they know what happened but they ca n't help me so basically it 's too bad & that I should file a complaint because they wo n't fix the issue. I have faxed proof that I was affected including screenshots of the removals/re-entries to XXXX but they continually say theyve not received anything from me. Since then I have successfully had the original creditors remove some of them from my credit file after theyve confirmed and validated the accounts as false. Also since then, XXXX has added a recording that can be heard when calling their toll free numbers ( XXXX ) XXXX & ( XXXX ) XXXX explaining and admitting to technical issues taking place on the dates between XX/XX/XXXXXX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX that affect account and inquiries being removed and added back on.

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 2017-06-02
Company: EQUIFAX, INC.
State: SC
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:
It has been a year ; I have been disputing some incorrect information that is incorrectly reported on my credit report. I have requested this information from both the credit bureaus and the creditors, and both have failed to make an attempt to respond to my situation. So I would like to take advantage of this opportunity to file a complaint on my behalf of my credit reporting issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX   XXXX  pulled my  XXXX  credit report twice on  XX/XX/XXXX and  XX/XX/XXXX , and my Experian credit report on  XX/XX/XXXX  without my authorization. I have had identity thieves steal a credit card and try to open other fraudulent accounts within the last 12 months. It started after  XXXX   XXXX  pulled my report for these unauthorized credit applications. The company does not seem to care that the y may have been a player in helping identity thieves gain extensive kno wledge of my accounts.  <P/> I have sent a letter and made multiple call s (   XX/XX/XXXX  and  XX/XX/XXXX  ) on the matter and yet they continue to  1 ) list the inquiries on my report ; and 2 ) fail to provide i  nformation on the fraudulent inquiries. The former hurts my credit score and ability to receive futu re credit. I 've disputed with both credit reporting bureaus but they and   XXXX   XXXX   remain stubbo rn on reporting fraudulent inquiries. I understand the latter may not be something they want to share everything on. But I 'd l ike to know more about who they let access my report without my authorization. It 's essential in tracing and stopping future breaches of my privacy.  <P/>    XXXX   XXXX   mus t remove these inquiries from my   XXXX    and Experian reports. And give me assurances that they know to call and verify any information with me before future applications. And to hopefully, give whatever information they have on the fraudulent uses of my credit report.

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 2019-12-11
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$39000.00}, {$21000.00}, {$19000.00}, {$6000.00}, {$2500.00}, {$500.00}, {$500.00}, {$20000.00}, {$73.00}, {$23000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2400.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$39000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$19000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- AUTO ACCOUNT -- 9. XXXX XXXX XXXX  with ACCT # XXXXXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX  XXXX XXXX XXXX   with ACCT # XXXXXXX opened on XX/XX/XXXX with a credit limit of {$73.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$23000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02
Company: EQUIFAX, INC.
State: CA
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:
XXXX   XXXX   pulled my Equifax credit report twice on   XX/XX/XXXX  and  XX/XX/XXXX , and my  XXXX  credit report on  XX/XX/XXXX  without my authorization. I have had identity thieves steal a credit card and try to open other fraudulent accounts within the last 12 months. It started after   XXXX   XXXX   pulled my report for these unauthorized credit applications. The company does not seem to care that they may have been a player in helping identity thieves gain extensive knowledge of my accounts.   <P/> I have sent a letter and made multiple calls  (   XX/XX/XXXX  and  XX/XX/XXXX  ) on the matter and y et they continue to 1 ) list the inquiries on my report ; and 2 ) fail to provide information on the fraudulent inqu iries. The former hurts my credit score and ability to receive future credit. I 've disputed with both credit reporting bureaus but they and   XXXX   XXXX   rem ain stubborn on reporting fraudulent inquiries. I understand the latter may not be something they want to share everything on. But I 'd l ike to know more about who they let access my report without my authorization. It 's essential in tracing and stopping future breaches of my privacy.  <P/>   XXXX   XXXX   must remove these inquiries from my Equifax and   XXXX   reports. And give me assurances that they know to call and verify any information with me before future applications. And to hopefully, give whatever information they have on the fraudulent uses of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit report act 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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 report act 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