BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX .I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Mr. Cooper Group Inc.
State: DE
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:
I filed a dispute in regards to the items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: TX
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : SXXXX 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 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: SC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 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 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 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 2016-03-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted a dispute with all three credit bureaus ( XXXX/XXXX/Equifax ) informing all parties such as the Credit Bureaus and the creditor that these accounts does not belong to me due to been a victim of identify theft during XXXX data benches. After notifying the credit bureau via online disputes/phone calls/letter notification I continuously receive notification stating " verify ''. I requested supporting documents from both parties requesting signature, contract, state license information and etc. Under the Fair Reporting Act I understand my rights as a consumer and verify the matching of my name and social does not coincide with verification. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate with accurate documentation be provided. I have submitted a claim with Federal Trade Commission regards to this issue. It is my right If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: International Collection Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
International Collection Systems, Inc. of XXXX XXXX XXXX XXXX, AZ, has called repeatedly, sometimes XXXX times per day, and sent threatening letters to my address, as well as contacted my extended family in order to collect a debt. The language used over the phone was threatening.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Direct Mortgage Loans, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Direct Mortgage was the Very First Company that I Reached out to in Early XXXX when my Credit Score was Above XXXX. My Lowest of the 3 Scores was approximately XXXX. I applied to 1 Other Mortgage company within a Month to compare notes and rates. I am an XXXXXXXX XXXX  Veteran who's Never taken out a Mortgage and was looking to purchase my first home under the V.A program. Direct Mortgage gave me a Qualification letter for XXXX but the V.A never provided my Certificate of eligibility which I am Still trying to acquire. The House that initially led to my inquiry only accepted Conventional loans, so after almost 2 months of not finding anything inexpensive enough and to my liking, I decided to forgo my V.A Loan and asked Direct Mortgage if they could Pre-approve me for a Conventional loan in the amount of XXXX ( Half the amount of my Pre-qualification ) They denied my request because they said my Credit Score was not high enough. The Lowest or even Average of my 3 Scores were Still Above the XXXX minimum even by at least XXXX points. XXXX XXXX whom I spoke with could not give me any other reason for my denial, other than that my score did not meet their requirements. I find it astonishing that a company who was quick to prequalify me for XXXX would Deny my for Half the same amount even though my Score was Above the Required Minimum. In Summary, this whole ordeal has not only left me with a lower credit score, but I am all too familiar with the Unspoken tactics of Discrimination. As an XXXXXXXX XXXX Veteran who's Served my Country, not only did I risk my Life for the Freedoms many take for Granted, but I am also a Tax payer who's dollars went to Bail out these Same institutions who Discriminate against the Very same Americans who has invested So much into this country. I not only find it distasteful and disheartening, but Outrageous and Disgraceful at How their Conversation and communications changed after I sought Pre approval for a Conventional Loan. Institutions like this who are Not willing to Loan even Safe amounts to Citizens who are capable of paying should not be allowed to do business. a Home is an Amercan 's 1st and Biggest investment, and to be Denied, despite being able to pay financially and with a passable credit score has reawakened why I haven't sought home ownership in years past. It's because I've seen and experienced this SAME KIND of Discrimination. Almost ALWAYS Hidden and Discreet. Polite speech with even apologetic words, but always with the same results, because there is No accountability for their Actions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Overview You've paid off 0 % of your collection amount. 
Balance {$810.00} Highest Balance {$810.00} Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 08 XXXX XXXX XXXX  Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$900.00} Highest Balance {$900.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$670.00} Highest Balance {$670.00} Opened XX/XX/XXXX ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2019-12-21
Company: EQUIFAX, INC.
State: OH
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 was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX .I have requested legal documentation from all the mentioned companies I never received anything. Please delete them at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been trying to rent an apartment and when the landlord checks the credit report and evictions, an eviction from  XXXX  is coming up my on my record, but this eviction was dismissed and sealed in court on  XXXX   XXXX ,  XXXX . The case number  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX ) Misreporting property tax in XXXX form for XXXX LAKEVIEW LOAN SERVICING misreported my property tax on XXXX form for XXXX. My property tax should be {$11000.00}. but they only reported {$910.00} as property tax and mis-categorize the remaining {$10000.00} as additional assessment. I called their customer service in XX/XX/XXXX to request them to correct this error for me. They acknowledged this error and promised to correct it within XXXX business days but no update has been made after XXXX month. 

XXXX ) Overcharge escrow account. 
Due to their accounting error, they doubled my property tax in their calculation without verifying with local tax office and made the wrong escrow analyses which leads to a significant increase in my monthly payment ( from {$3000.00} to {$4500.00}, which is 50 % increase ). The reason I found out is there is a {$5100.00} tax bill in XXXX and a {$5100.00} tax bill in XXXX but they double counted these XXXX tax bills which inflated my tax bill by XXXX. I called the customer service and they acknowledged the error and promised to resolve this issue within XXXX business days. But I have lost trust in their service after my first request and am concerned that there will be no action taken. And to my surprise, the analyses has been done in XX/XX/XXXX but I received their analyses in mail in XX/XX/XXXX which is a significant delay to explain the changes in my monthly payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove the unverified inquiries that reporting in my credit file. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any information/accounts/inquiries not later than 4 business days.Please find the required documents to assist in the blocking of these unverified inquiries which is being posted to my report. Here are the list of inquiries that I want to remove : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Block, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a payment card processing account with Square Inc.. On XX/XX/XXXX they sent me an email stating my account was deactivated and I would receive my funds within two business days of XX/XX/XXXX. On XX/XX/XXXX they sent me another email stating " Due to the recent chargebacks on your account, any funds currently in your Square account will be held for an additional 10 days. '' However I have not had a single chargeback on my account. I waited the 10 days anyway and still couldn't withdraw my money so after contacting support multiple times which their customer service is geared so they can steal people 's money. Everytime you contact them they tell you that the team that can release your funds only communicates by email so sit and wait for an email which never comes. It's literally impossible to speak to anyone who has the power to release your funds. So, Finally on XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX  In retaliation to me filing a complaint a " manager '' from Square named XXXX stating that my funds would be held indefiinitely. Which to me means this is basically a criminal organization that steals money from small business owners. The payments weren't paid to Square customers paid with credit and debit cards with the expecation that I was getting paid for services rendered. Square has no right or reason to just keep my money and I want my money because its not THEIR money its MY money! I'm attaching pdf copies of all the emails I've mentioned as well as a screenshot showing that I have no disputes and my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
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: Account information incorrect

Complaint:
Date last active is inconsistent to my credit report. 
Im request the bureau to completely delete from my report. 

My life couldve been better without your mistakes. 

Transunion XX/XX/XXXX XXXX. XX/XX/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 explanation
Consumer complaint received 2015-06-02
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I unfortunately had to file for Chapter XXXX protection XX/XX/XXXX. I happily met all my financial obligations and my Bankruptcy was discharged XXXX. I called my lender ( Seterus ) XX/XX/XXXX and provided all requested paperwork. Seterus informed me their " cure '' period to release my account from BK was 90-120 days. It has now been 196 days and my account still shows that it 's in " BK '' because they had a software upgrade and they are months behind. My house in under contract to be sold. Seterus will not provide a payoff statement because according to them ... .I 'm still in BK. I have informed them that my house is scheduled to close next week and all they can tell me is that it will be another 60 days before they can provide a payoff and let my house close. I will now be in breach of contract and I 'm being held hostage by Seterus. Why am I paying for their " system upgrade ''? How is this fair?? I called back XX/XX/XXXX and told them I would be selling my house and I 'd like to make sure everything shows " OK '' in their system. I was told, " your bankruptcy was finalized and you will be fine ''. Please tell me my rights as a consumer. Can Seterus hold me hostage like this??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2020-06-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Date last active is inconsistent to my credit report. 
Im request the bureau to completely delete from my report. 

My life couldve been better without your mistakes. 

XXXX XX/XX/XXXX XXXX. XX/XX/XXXX Equifax. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent an Amazon Card back in 2016. I never used it. Don't recall applying for it. They closed the account actually for not using it. It was reported on my Credit Reports as 30,60,90,120 then closed. I never used it one-time because I didn't want the card. I have disputed this several times and they refuse to delete it off my 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 non-monetary relief
Consumer complaint received 2016-02-05
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I got a loan with Ally through a XXXX dealer and after a couple months I wanted to send in a extra payment to go towards the PRINCIPAL ONLY so I called and ask how this was done. The rep on the phone told me to make the payment and to call in after it was posted to have it applied to the principal. Which I did and the person on the phone said it was done. I logged into my ally account and they still pull out the interest out of the XXXX sent in. 
I have called 3 separate times and asked to speak to a supervisor ( 2 of those times they said someone would call me back ). Now 3 days later ( still no phone call back ) I called again and finally spoke to a supervisor. Went round and round with someone I could barely understand, he kept saying the same thing. " That is the way we do it '' then asked for an e mail address so I could file a complaint with them. THEY COULD NOT EVEN PROVIDE THAT!!!! 
So now my next payment is not due for another 3+ months because they wo n't take a payment towards the principal! What a joke!!! 
This company is a complete SCAM!!!! 
I will either pay this loan of this week or refinance it.

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 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have written to transunion and disputed several items on my credit report. They keep saying that the item is verified as being correct. Per the fair credit report act section 609 a 1a i have asked for them to provide me with original consumer contract with my signature on it or the account must be deleted. I open dispute the last one was on XX/XX/XXXX and it got closed out with no explanation. You can't up load anything to there website so i expressed mail them a letter on Saturday that they received on tuesday. I have sinced open up another dispute.

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