BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items on my report that your agency didn't make sure it was reporting 100 % accurate. 


XXXX XXXX : # XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in Transunion, XXXX, and XXXX. First Flaw is the account status which differs from the XXXX and XXXX report ( Paid ) from the Transunion report ( closed ). Second Flaw is the date account opened which differs from the XXXX and XXXX ( XX/XX/XXXX ) from the Transunion report ( XX/XX/XXXX ). Third Flaw is the Last day reported on the account which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). XXXX XXXX is the Last day Active report which differs from all three credit reporting agencies in XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) report from the Transunion report ( XX/XX/XXXX ). Final Flaw reported was the date of last payment reported which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies have done a toll on my mental health and m mental well being and I demand they be removed off my credit report seeing as the account is now closed and the information is still inaccurate.

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 2017-03-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX sold my mortgage to Bayview Loan Servicing, located at XXXX. XXXX, FL XXXX, over one year ago. I have owned my home since XX/XX/XXXX and have never been late on a mortgage payment. Since Bayview Loan Servicing took over my mortgage and my escrow account, they have not paid my School or County/Town taxes on time and I receive late notices for the taxes that include penalties and interest. Long story short for the past year I have spent hours on the phone with this company trying to get this straightened out. In fact It all began with them having my last name wrong on the account. I was remarried in XX/XX/XXXX and XXXX had all of this correct after all of the proper documentation was sent to them. I finally got this straightened out with Bayview after numerous telephone calls and time taken away from my job to have this corrected however they still are not paying my property taxes on time. After many telephone calls, I went to my mom who works for the Town of XXXX. and she brought me to the XXXX to investigate. I then contacted Bayview again a number of times to advise that XXXX which is a third party that Bayview uses to pay the property taxes advised us that Bayview Loan Servicing inactivated my account on XX/XX/XXXX and they do n't know why so Bayview needed to take care of the matter and get the taxes paid. Bayview on my last conversation advised me again that the taxes are being researched and we should know something around XX/XX/XXXX. This I was told after discussing with them that the Warrant date for my property taxes to be paid is XX/XX/XXXX and this is going to create more penalties and interest not to mention this begins the vicious cycle again and does not correct the matter. I am at my wits end and this has caused my a tremendous amount of XXXX and is causing me problems at my job not to mention on my health. My next step is to contact a Lawyer but I do not have the money to do this as my husband is ill at this time and has not returned to work not to mention that I have no more time available to deal with this incompetency I other more important matters to address to with an ill husband, my job and children. I have asked my mom to step into help and I feel bad about this because she has a stressful enough job. She is going to sending another letter to Bayview to request that they release my escrow to my so that I can pay my own taxes. I can ' t take this anymore. I have had a few representative at Bayview including Supervisors that have tried to help and were professional however I have also had some that were rude, put me on hold and never came back, disconnected me and I even had a man swear at me and hang up. I ca n't deal with any more of this. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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:
I did not authorize XXXX or the Collection Agency to put this collection back on my report. This issue was resolved almost a year ago and this collection company is back trying to hurt my credit for this collection that was never authorized! 

I believe the CFPB was the reason why it came off my report and I have no idea why it is back on! Please reach out to them and have them remove this immediately because this came out of no where! 

The collection in questions is from : XXXX XXXX XXXXXXXX Original creditor : XXXX Acct # : XXXX Please have them remove this once again. I do not want to deal with this issue anymore. The problem has already been resolved. I have no idea why they are harassing me.

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 2021-08-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
We have been dealing with my student loan servicer Navient since XXXX on securing an extension of my previous forbearance that was approved by Loan Holder XXXX for the year XXXX. This forbearance was do to hardships I have incurred over the past five years that has resulted in us becoming financially in trouble. I have had numerous health scares. Due to these scares and the recent pandemic have become unemployed since XXXX. My wife is our sole income generator she currently works at XXXX XXXXXXXX XXXX where she XXXX XXXX XXXX XXXX she has conducted this research for over 20 years at various XXXX. Not only can we not afford to pay our loans at this time but I believe Navient has been acting in bad faith for the last 9 months in helping us with our loans. I have corresponded with them many times through the mail with various forms and letters to try and resolve my loan but to no avail. I am constantly receiving calls and letters stating they have not received all the proper paperwork, that we are not eligible, that information can not be verified. I receive at least 35 calls and voicemails a week from Navient, not to mention letters weekly. It seems like they keep stringing me along at this point so they can keep compounding the interest on my loan and charging me. My loan holder just keeps referring back to Navient. Finally last week was the final straw. Even though we have communicated via mail and email THEY CALLED A DISTANT RELATIVE IN N.C. LOOKING FOR ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: American Coradius International LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Multiple emails sent from XXXX requesting a specified amount ( {$78.00} ) be paid to settle a XXXX negative balance. 
Forwarded each email to XXXX as site instructed. 
No transaction matching the debt has occurred on the XXXX account. 
Response from XXXX : Thank you for reporting a fake website XXXX ( XXXX ) Emails sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2021 as reminders of negative balance. 
In each instance the XXXX account associated with the receiving email ( XXXX ) was checked and there was no balance an no recent transactions. 
XXXX XX/XX/2021, letter received from American Coradius International LLC claiming to represent Creditor : XXXX XXXX XXXX Account Numner : XXXX in attempting to settle the {$78.00} account balance. Offered to accept {$59.00} as partial payment. Required notification to dispute the debt or it will be assumed valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNTS ON MY CREDIT REPORT Balance- {$0.00} Balance updatedXXXX XXXX  XXXX Original balance- {$720.00} account NAME- XXXX XXXX Account number-XXXX  Open/closed-Closed Date opened-XXXX XXXX, XXXX Account type-Installment Status-Pays account as agreed Status updatedXXXX XXXX Past due amount -- Original balance- XXXX XXXX Monthly payment- {$0.00} Contact info Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number- ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

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 2021-08-10
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Barclays has repeatedly reduced my credit limit on my card during the course of the pandemic - even as my overall credit score has risen and my income / ability to pay has risen. The team provides no preemptive notice of doing so - after a statement closes, Ill see this change to my available credit on my credit report.

I have multiple other accounts, have never missed a payment with Barclays, and have not even asked for a forebearance - and yet Barclays continues to target me unlike any other banking institution I work with ( XXXX, XXXX, XXXX, etc ) Each time I call and complain about this treatment, no one will provide me with any rationale why they of all banks think that improving creditworthiness = lower credit limit.

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 2017-04-03
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received my validation of debt after receiving another customers in the mail, but I received a copy of the contract that was not signed .I do not recall living at that address in XX/XX/XXXX-XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Per promotional flyer from US Bank, I opened a new business checking account with {$3000.00} with the promise of receiving a {$500.00} bonus for maintaining a balance of the {$3000.00} for 60 days. I have done so and not withdrawn any funds since opening this account on XX/XX/2023. However, US Bank charged me a fee of {$6.00} for mailing me a bank statement on XX/XX/2023 which took my balance below {$3000.00}. I was told when opening this account there were no fees of any kind and I have never been charged a fee for a bank statement from any bank my entire life. I received a refund for the 2 months they charged me for. I can only assume this is how US Bank feels they are not obligated to pay the bonus. In addition I was not allowed to make any additional deposits to this account, hence US Bank plays the gotcha game.

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 2021-08-10
Company: ID Analytics, 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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
I recently submitted a request for investigation of an Acct Number : XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX  SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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:
This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous CFPB complaint I recently submitted. I sent a letter on XX/XX/2022, to remove personal information, address, accounts and inquiries that are totally UNKNOWN to me. 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 accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints and I am including it again. Please have the following items removed as soon as possible. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.

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 2023-04-04
Company: CarMax, 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: Investigation took more than 30 days

Complaint:
I have a car loan with cad max, its reporting 16 missed /late payments. I pay each car payment every month. I have not been 30-90 days reporting. I have been calling and talking to different reps, no one seems to want to help with this. I cant buy a home with 16 late /missed payments. I even called to pay whatever fees. Car max sold me a car for XXXX. But only will buy back for XXXX and only had the vehicle for almost 2 years. It had problems a week after I got the vehicle which caused car max to get me a rental. I been dealing with a lot with this company. I just want the remarks removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: AZ
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
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 contacted Experian and XXXX about an account that I have some incorrect information on. I have 5 late payments on an account that should not be on my account. I sent out a dispute by mail on XX/XX/2023 showing proof that the late payments were not suppose to be on my report but Experian told me that they have not received anything. At that point, I tried submitting the documents online but did not go through. Im also trying to fix this same problem with XXXX but I could not reach anyone on the phone.

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 2023-04-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed these fraudulent activity on these Accounts. ( Account Name + Account Number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXolice report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: LTD Financial Services, L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LTD acquisitions LLC is reporting a collections account on my credit from XXXX XXXX XXXX XXXX I have never heard of XXXX XXXX XXXX XXXX and i have never been to Missouri.

I have attempted to call LTD acquisitions several times but they never answer.

I never signed any documents for this debt as i have never heard of it, the original creditor, or the collection agency. 

I have never received notice of this debt either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have several accounts on my credit reports that continue to show inaccurate information and the companies have yet to rectify this situation even though they provided letters to me that state that they are reporting wrong info. They have failed to update the credit bureaus with the correct info and now my credit has been severely affected. I am attaching the letters sent to me by these companies as proof of their wrongful reporting.

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