BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans union had several computer breaches in their systems that violated the rights of their consumers under section XXXX XXXX I have been gravely affected and my score is suffering as a result. the computer glitch that caused all of the inquiries on my credit report to be deleted and my score was increased as a result. The very next week all the inquiries were reinserted to my credit report without prior written notification which is a direct violation of sec XXXX XXXX of the Fair reporting Credit act. I have spoken to several reps of Transunion and they acknowledged that there were several security breaches that happened them in 2016 affecting their systems and credit reports, but they refused to fix thier error regarding my credit report, I am requesting that the reinserted credit inquiries, be permanently removed. I demand the following inquiries to be removed from my credit report immediately. ( 1. ) XXXX savings on XXXX. ( 2. ) XXXX on XXXX. ( 3 ) XXXX on XXXX. ( 4. ) XXXX on XXXX. ( 5 ) XXXX on XXXX. ( 6 ) XXXX on XXXX. XXXX on XXXX. ( 7 ) XXXX XXXX. ( 8 ) XXXX on XXXX XXXX. ( 9 ) XXXX on XXXX. ( 10 ) XXXX XXXX on XXXX. ( 11 ) XXXX on XXXX. ( 12 ) XXXX on XXXX. ( 13 ) XXXX XXXX. ( 14 ) XXXX on XXXX. ( 15 ) XXXX CARD XXXX. ( 16 ) XXXX CARD on XXXX. ( 17 ) XXXX CARD on XXXX. ( 18 ) XXXX CARD on XXXX. ( 19 ) XXXX CARD on XXXX. ( 20 ) XXXX CARD on XXXX. ( 21 ) XXXX CARD on XXXX. ( 22 ) XXXX XXXX on XXXX. ( 23 ) XXXX on XXXX XXXX. ( 24 ) XXXX on XXXX. ( 25 ) XXXX on XXXX. ( 26 ) XXXX on XXXX. ( 27 ) XXXX on XXXX. ( 28 ) XXXX on XXXX. ( 29 ) XXXX on XXXX. ( 30 ) XXXX on XXXX. ( 31 ) XXXX on XXXX. ( 32 ) XXXX on XXXX. ( 33 ) XXXX on XXXX. ( 34 ) XXXX on XXXX. ( 35 ) XXXX on XXXX. ( 36 ) XXXX on XXXX. ( 37 ) XXXX on XXXX. ( 38 XXXX on XXXX. ( 39 ) XXXX on XXXX. ( 40 ) XXXX on XXXX. ( 41 ) XXXX on XXXX. ( 42 ) XXXX on XXXX. ( 43 ) XXXX on XXXX. ( 44 ) XXXX on XXXX. ( 45 ) XXXXXXXXVISA on XXXX. ( XXXX ) XXXX on XXXX. ( 47 ) XXXX on XXXX. ( 48 ) XXXX on XXXX. ( 49 ) XXXX on XXXX. ( 50 ) XXXX on XXXX. ( 51 ) XXXX on XXXX. ( 52 ) XXXX on XXXX. ( 53 ) XXXX on XXXX. ( 54 ) XXXX on XXXX. ( 55 ) XXXX on XXXX. ( XXXX ) XXXX on XXXX. ( 57 ) XXXX on XXXX. ( 58 ) XXXX on XXXX. ( 59 ) XXXX on XXXX. ( 60 ) XXXX on XXXX. ( 61 ) XXXX on XXXX. ( 62 ) XXXX on XXXX. ( 63 ) XXXX on XXXX. ( 64 ) XXXX on XXXX. ( 65 ) XXXX on XXXX. ( 66 ) XXXX on XXXX. ( 67 ) XXXX on XXXX. ( 68 ) XXXX CARD XXXX on XXXX. ( 69 ) XXXX BANK on XXXX. ( 70 ) XXXX BANK on XXXX. ( 71 ) XXXX XXXX on XXXX. ( 72 ) XXXX BANK on XXXX thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX XXXX XXXX daughter, while away at school, was the victim of a financial scam. We have notified local law enforcement & the university. The complaint is that USAA Fraud without contacting anyone in the familly made an adverse action and has sent her to collection. USAA in bad faith has refused to provide us with a direct number to " Fraud ' stating that there is none. They also intially offered us an " appeal process '' and then stated there is no " appeal process. '' We have spent over 30 days trying to contact them to provide them with any information they needed to reverse their collection action. USAA has acted in bad faith and has refused to address this issue with us. The only people that " would answer their phone '' was Collection. The few front line staff that does answer the phone stated that they see this all the time, USAA is aware of it, they do not care and they refuse to take any action to protect their customer, the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EQUIFAX, INC.
State: WA
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:
I had a bankruptcy show up on my XXXX report that was never filed by me. I have gotten XXXX XXXX to remove this from my file. They've written me two letters and sent me my personal file showing no bankruptcy. I've provided this to Equifax on multiple occasions, including via fax and electronically and they will not remove this blatantly false record from my credit report. XXXX  's online portal for uploading supporting documents won't work and XXXX  's online dispute function is completely broken. I need this record removed by all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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 XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 explanation
Consumer complaint received 2016-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried fro three months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time. Attached is the last letter i sent this credit reporting agency

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 2020-04-09
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 have check my credit. I notice Accounts that I did not Authorize, how this happen I cant understand how Can Companies Allow. What happen to Verifying and do diligence. however I did not give any consent to have these Accounts open theses Account are not Valid and I want them removed of 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
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX S.S. XXXX I AM HAVING A TON OF ISSUES TRYING TO GET MY CREDIT REPORT AND CREDIT SCORES. I CAN NOT GET INTO THE XXXX I CAN NOT GET INTO XXXX I AM TRYING TO BUY A HOUSE AND MY LEASE IS UP. I HAVE ATTACHED MY ID AND SS CARD

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 2016-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
TRANSUNION AND XXXX WILL NOT GIVE ME MY REPORT NEED THEM ASAP CAN NOT WAIT 15 DAYS

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 2020-04-09
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: Their investigation did not fix an error on your report

Complaint:
in XX/XX/2020 I was apprised of Many MAJOR Negative accounts being reported on all 3 CR bureaus, all due to Theft of my Identity. I disputed MANY times, even Completed the XXXX ID Theft protocol, submitted to Each & Every creditor & All 3 CR bureaus my official statement & Declaration from the XXXX declaring my Identity had been compromised. Only 2 Creditors accepted & Removed said derogatory reoortings. The CR bureaus VERY Hastily " Completed '' their " investigation & in their Opinion, I was WRONG & False Derogatories Remained. There are Several negative reports spanning LONGER than the legal 7 years. There are also approximately 75 Credit Inquiries which I Never Approved nor instigated which has been Equally Detrimental to my credit rating, which they REFUSE to Remove these callous & malicious acts it has Cost me Financially, both by Employment, Housing & vehicular purchase. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed an item 5 times and have not received an answer from the collection agency, The issue was fraud and I have submitted all necessary paperwork Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX Account- XXXX Amount : {$770.00} To whom it may concern : I have disputed the following debt on the following dates : XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 XXXX/XXXX/16 I have attached copies of my previous correspondences which include the following : Fraud Affidavit Copy of Credit Report Police Report This account was set up fraudulently, and is not mine. I have not received a single reply from XXXX which is in violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I became the victim of identity theft and my credit scores were marked down by equifax XXXX and XXXX and my interest rates soared and I could get no more credit and fraud investigations were cut short and I was told I would not be informed of the outcome and I was being held accountable for the unauthorized activities of another person

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Pacific Union Financial, LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
Applied to refinance existing mortgage. Provided documents asked for including XX/XX/XXXX and XX/XX/XXXX tax returns and XXXX. I wanted the mortgage refinanced based upon mine and my wife 's retirement income. The tax returns shown sources of income/loss other in addition to our retire income. The losses were due to horse business. In XX/XX/XXXX my wife had some health issues and we decided to close the horse business. Because we closed the business during the year we still detected from our XX/XX/XXXX income taxes. The underwriter wants to continue to use this in their income to debt ratio calculations even though we have provided a letter that states we are no longer in the horses business. In addition the XX/XX/XXXX tax return shows income from an employer which they do not use in their income to debt ratio calculations. They are selectively picking data and ignore other data that is available.

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 2020-04-09
Company: SLM CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : SALLIE MAE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
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: Information belongs to someone else

Complaint:
XXXX, XXXX and Experian is reporting that I have a bankruptcy that is not mine I've provided documentation that proves they illegally put information on 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 explanation
Consumer complaint received 2016-11-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
i have never lived at this address XXXX XXXX XXXX XXXX, OH XXXX and do n't spell my name like this ever : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a letter to XXXX regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-14
Company: WELLS FARGO & COMPANY
State: GA
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-12-28
Company: Rocket Mortgage, LLC
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:
I never sign up, fill out any application or request any mortgage assistance from XXXX  XXXX. this company is shown up on my report with out consent. I have sent a letter on XXXX/XXXX/XXXX requesting that inquire to be remove from my XXXX. this company is listed as a XXXX XXXX agencies with no number address to be able to request proof of signature that authorization was given to pull report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I was contacted by a representative from Quicken Loans regarding a XXXX XXXX  refinance of my home. My current loan is as follows ... 30 year fixed, 3.375 %, approximately 140 payments remaining of $ XXXX, payoff approximately {$350000.00} ... This representative called me stating he saw that I had recently spoke with another Quicken Loans representative, but felt he could offered me a refi that would be to my advantage ... This guy offered me the following ... New 30 year fixed, 2.75 %, payments of $ XXXX, new payoff {$830000.00} ... He said all that my out of pocket expense would be {$300.00}, for an appraisal fee ... He then had a lady call me to e-sign the preliminary loan application ... The only thing that prevented me from going through with this was asking the 2nd person questions she was unable to answer ... At that point I asked to reschedule to XX/XX/2020, but I have a copy of the contract that they wanted to trick me into ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Solar Mosaic LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Mosaic Solar pulled my credit report without my authorization.  Now they are trying to force me to accept a loan from them.  They also used forged documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The collections account was opened XX/XX/XXXX and. Did not receive any contact from this company until I contacted them on XX/XX/XXXX. Upon my request for them to provide me with documentation proving this debt was valid, I received documents that lacked the specific documents as required under XXXX XXXX XXXX which hold that when the company collected a security deposit from me it was required to conduct an inspection and create a move in checklist to be signed by all parties and furnished to all tenants which they failed to do. Also the rental agreement is not valid under Washington state law being that the agreement has clearly been altered without the consent of all parties which was required to reflected by all parties adding their initials to show we acknowledged the information being added and agreed to it as part of the rental agreement. Genesis credit management did not properly investigate the validity of this debt. This account has already been investigated and removed my Transunion report as of XX/XX/XXXX but Genesis credit management has not reported this information as required to all CRA they reported they have reported to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: WELLS FARGO & COMPANY
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wells fargo retail services has called me repeatedly. I understand that I was 14 days late but my goodness. 

They called me the following dates and times : XX/XX/19 XXXX, XXXX, XXXX and XXXX XX/XX/19 XXXX XXXX  and XXXX XX/XX/19 XXXX and 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