BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act 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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have never heard of this bank but they fraudulently placed a hard inquiry on my credit report. The description reads XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. I called and they confirmed it was fraud but refused to remove the inquiry. Since this is now lowering my credit rating, please force them to remove any inquiries from any bureau they reported. 

Thank you, 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 2023-07-17
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and details listed below should not have been reported in the first place, constituting a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I insist that these accounts and information be promptly deleted and removed from my consumer report to rectify the violation of these laws. Immediate action is necessary to comply with this request. Remove these accounts and information without delay!

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 2018-11-12
Company: STERLING JEWELERS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX Credit report indicates date of XX/XX/2012 I am requesting validation, made pursuant to the Fair Debt Collection Practice Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for the debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which TRANSUNION, XXXX, AND XXXX IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN! 

IVE INCLUDED AS ATTACHMENTS MY POLICE REPORT, MY PROOF OF XXXX  SHOWING THAT I WAS IN XXXX AT THE TIME THIS ACCOUNT WAS OPENED.

Company response to consumer: In progress
Consumer complaint received 2022-01-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA is trying to put a hold of over {$600.00} on my check of {$1000.00} and some change. They put a hold of over {$250.00} on my last check as well. Before that, no holds on my check since my first one I received midXXXX. 

When I inquired, the first rep ( chat feature ) told me it could be any number of reasons that there was a hold put on my account. The second rep ( by telephone ) said all he could see is my monthly balance was low overall. 

That doesn't add up, since my monthly balance has been low since I moved in midXXXX. I had to use all my savings and bank monies to move/get settled in, so if that is the case why is this just happening a week into XXXX instead of in XXXX when I received my first check? 

They do not have any way to stop this from happening apparently, no reason for it happening, it has caused me to overdraft my bank account- I rectified that and got a refund for a service I was not utilizing and didn't realize would auto-pay yearly. 

I now have a {$14.00} balance on my bank account, so I guess that's all that will ever be put into that account because I refuse to have 2/3 of my check on hold for a week. I only get paid every 2 weeks, this is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY 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:
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 ~ payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: NORTHWEST BANCSHARES INC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hi,, I have a small checking account for years at Northwest Bank in XXXX XXXX, which I use primarily for paying charities. I had made a transfer from my main bank, XXXX XXXX, which I have done numerous times in the past to this account. The transfer was sent and deposited into my account. Then a few charges came through from the different charities and such and were paid. Three or four days later the transfer was reversed and all the payments were charged XXXX for overdraft. I went to the bank and spoke to XXXX who said she could reverse XXXX of the XXXX overdraft charges. I deposited XXXX that very day and received another overdraft the following day even though the account was now positive. I had no reason to believe the account was in the negative and feel it is a bank error and would like to please have all of the overdrafts refunded. Thank you 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 2023-02-21
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage bought our loan at refinancing years ago. 
They did not include my name, only my husband 's as the borrower even thought everything was always joint. My name is listed as a " friend ''. 

My husband passed away XXXX 2021. I tried to refinance at a lower interest rate through my bank. They were unable to help saying his estate needed to go to probate. 
I went to Probate Court, was given Letter Testamentry and named Executor of his estate. 
I provided Probate letters, COD and his will to Freedom Mortgage to have my name listed as borrower. Freedom Mortgage refused to speak to me as I was not listed on the loan, they know he passed away. I have made aproximately 20 phone calls and 15-20 emails to them trying to get situation straightened out. I have even received letters telling me they reviewed my request and are unable to assist they will only speak to borrower listed on account. I got nowhere with them. 
I contacted the VA, I received a response from them that I needed to tell Freedom to do an unrestricted transfer. I emailed that reply to Freedom, they have never said anything about unrestricted transfer, only they will not speak or help me even though they know they can not speak to my husband. 
I am at my wits end. They refuse to listen or assist. 
What happens to the loan if I am not listed? 
Am I liable for the mortgage since I am not listed? 
The monthly payment is automatically deducted from my account. 
Clearly I need assistance and hope you are able to get this matter taken care of once and for all. 

I appreciate your assistance. Thank you very much.

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 2022-05-24
Company: Credit Corp Solutions Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
credit corp solutions called me on XX/XX/24 at XXXX. They did not identify who was calling although I asked multiple times. They released my social security number with fully confirming it was me on the phone. I informed them that I needed to receive a letter and was falsely told that a letter had already been sent out. I repeated multiple times to them that I did not want to be called nor would I confirm information over the phone. They talked over me and continue to ask for verification information after I had already told them no and they had already spoken out my social security number. I have my mailed tracked through USPS informed delivery and can verify that no letter in the last month has been sent from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a complaint against TransUnion for their failure to delete inaccurate information from my credit report, as mandated under the Consumer Protection Code, specifically in violation of 15 U.S. CODE 1681e ( b ) and 15 U.S. CODE 1681i ( 5 ). This inaccurate information is negatively affecting my creditworthiness and financial opportunities.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

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 2023-07-18
Company: JPMORGAN CHASE & CO.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase has closed my credit card account without any specific reason. I am a practicing XXXX, in XXXX there was a case filed against me in court for fraud. At that time I had 3 chase credit card accounts which chase closed describing me as a liability without me even getting convicted. In XXXX that case was dismissed against me and did not have a negative impact on my credit score or income. 
In XXXX I opened a chase credit card which was then closed by chase in a month just stating the reason that previous credit cards has been closed. I have excellent credit, I make XXXX figure income and there is nothing on my record. 
When I called chase customer service they refused to give me any explaination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am an XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PennyMac makes it virtually impossible to do business with them. 1. I have faxed 3x to the FAX ( XXXX ) number they provided ; not once did it go through. 2. They gave me the number to their insurance department ( XXXX ) ; I found it virtually impossible to get through to a person ; it simply hung up on me. 3. I have called their main number ( XXXX ) but I have yet to reach a knowledgeable person to help me update my client 's home insurance to their account. 4. I have tried to upload the documents to their web page XXXX XXXX  ) but it will not allow me in to upload documents ... most calls simply end up in having their automated system hang up on me. As of yet, I have FAXed 3 times and called 6-8x today and as of yet I have not been able to transmit my XXXX XXXX XXXX Their customer service is the epitome of an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: Information belongs to someone else

Complaint:
Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have contacted each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} DATE : XX/XX/XXXX XXXX ) XXXX XXXXXXXX {$470.00} XXXX XXXX ) XXXX XXXX XXXX {$710.00} DATE : XX/XX/XXXX XXXX ) XXXX XXXX {$1000.00} XXXX XXXX ) XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) {$38000.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 submitted disputes about unauthorized accounts and fraudulent activity opened on my credit report without my knowledge. My information was compromised by XXXX breach in XXXX and XXXX breach in XXXXMy information has been handled improperly. The inquiries and collections below need remove. In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Collections These collections have a big impact on my credit score and need removed.I request proof of debt.And request removal because all 3 credit agencies are not reporting same accounts time, accounts information, or acount debts Information reported must be accurate. 

XXXX Reported : XXXX XXXX, XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Agency have take too long to conduct their investigation.

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 2019-02-08
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter in the mail from Hunter Warfield threatening to sue me for a past due amount resulting from eviction. I was in a bad car accident that left me hospitalized for three weeks and in recovery for ten months, resulting in losing my employment. Eventually, I was evicted because I couldnt pay my rent. I reached out to the XXXX at XXXX and explained my situation. They informed me that because I had a unique case, they would not sell my account to collections and would allow me the opportunity to pay {$1300.00} to settle the account as agreed. However, I never received any confirmation of the settlement offered in writing. Because I lost contact with the management company, I assumed the account was taken care of. So, when I received the letter in the mail from Hunter Warfield asking for {$1800.00}, I was very upset.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was offered a settlement for 50 % via mail on 2 different occasions. As I called to verify if I was able to collect on that I was told that they never did settlements and the payment had to be in full. How is that so if I was offered it twice via mail on 2 different occasions? He promptly hung the phone up on me and when I asked to speak to someone else he told me that's was denied.

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