BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 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.

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 2023-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I found out on my business checking account the charge of {$14.00} on date XX/XX/2023, another on XX/XX/2023 and another on XX/XX/2023, Bank of America requested to fill up an unauthorized ACH Return form, that I did on XX/XX/2023. After that Bank of America refund XXXX of XXXX charges and send me a letter saying that the third one could take up to XXXX days to outcome. How Bank of America let another company withdrawal any amount from a checking account without a writing authorization for that?.

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 monetary relief
Consumer complaint received 2023-08-06
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The credit card is Ollo credit card. I am going to get straight to the point. I asked for confirmation of debt. The only legal form of confirmation of debt is wet signatures. They said the debt was confirmed. I said how was the debt confirmed. I need the persons name address, title In company, phone number and fax. Until this day not done. Per ucc 3-603 ( b ) this is legal tender. Every month you send me a coupon and then you ask me to pay your bill with a credit card or debt card or money order. Then you cash both. This is trust fraud. I have recently sent you my definition sheet of what a coupon is instrument is etc. I do not spell my name XXXX XXXX which is STRAWMAN which means XXXX person. The reason why you asked for my ssi number is to get access to my trust. You claim its for protection. Thats a lie. We have Nesara Gesara which is law. 

We have public law 73-10 or hjr. ( house joint resultion ) 192 which happened in 1933 when XXXX took all the gold and silver away and replaced them with for federal reserve notes promises to pay. Everything is credit swaps. 

The ceo and cfo must obey the law and cancel this debt. If not done I will want to supena them both to the florida court room. I will charge them with the Rico act racketeering etc. I understand you love your double payments with me its not happening. I will place a lien on surety bond of the officials .I am putting you under public notice. If necessary will face you in court.

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 2023-05-16
Company: CITIBANK, N.A.
State: CT
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 was automatically opted into email only statements. I was waiting for the paper statement to make the payment. They only began reaching out after seven days, on a Sunday, to make me aware. I had to download the app and go through all of the settings to find the ability to opt out of email only. 

They removed the late charge and I am awaiting the removal of the late charge from 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 2023-10-10
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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, 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 an account without my written instructions.

15 U.S.C 1681 C. ( 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.

14 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.

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 2016-10-07
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have submitted multiple requests to cancel my PMI insurance over many months and have received multiple responses from " we never received it '', " You still have more paperwork to send '', " you need to resubmit '', " We have no record of this request ''. They still have not cancelled my PMI even though it has been eligible to cancel for many months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: CA
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:
Equifax is reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 6th dispute letters to Equifax XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Maximus Education, LLC dba Aidvantage
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I have requested student loan forgiveness, forbearance and economic hardship. Nothing has been done or submitted to remove, paused or delay charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Since the XXXXXXXX XXXX XXXXXXXX I have attempted to make my monthly payment online. Website was down and couldnt get anyone on phone. On the XXXX a website was restored ( a different format ) and it would not allow me to pay. Phones are still down. I am now past my 30 days and beyond panicked. They have made it impossible for me to pay my XXXX mortgage. Now I read they were cyber hacked in XXXX & never communicated this to any of their clients!

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 2022-02-16
Company: EQUIFAX, INC.
State: MS
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 without any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than XXXX times. XXXX 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 homeless n cant provide to mXXXX XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, 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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called Merchant 's and Professional are representing a company called XXXX. This company claims I owe them XXXX dollars. This company never did anything for me. Nothing I could not have done on my own. They are reporting this erroneous charge falsely to credit bureaus called equivalent. I want this to stop. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I closed my XXXX XXXXXXXX account in XX/XX/XXXX, I was paid up till shut off on XX/XX/XXXX. I received boxes from XXXX XXXX in mail on XX/XX/XXXX and sent all equipment back to them in pre labeled boxes on XX/XX/XXXX at XXXX. Tracking number XXXX and XXXX. I have called and sent copies of original receipt to them and they still messed with my credit score. Then I got another bill for the month of XXXX for t.v. and internet because they said I never turned in boxes. Plus late fees. Over 200 bucks for bill and XXXX bucks for equipment. Then debt collection practices of hitting credit score, credit control corporation hit score on XX/XX/XXXX, but sent letter on XX/XX/XXXX to me, informing me of debts. I sent proof, but credit score impact hurts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: EQUIFAX, INC.
State: MT
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:
Company has not provided the proof that I have requested numerous times ' ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have requested documentation of my signature on any of the aforementioned accounts, and none has been supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Repoerting Act XXXX Account # : XXXX XXXX BANK XXXX ACCT # 444796XXXXXXXXXX XXXX XXXX ACCT # 532211XXXXXXXXXX XXXX XXXX XXXX ACCT # 128842XXX TBOMXXXX ACCT # 541051XXXXXXXXXX XXXX XXXX ACCT # 405731XXXXXXXXXX XXXX ONE ACCT # 517805XXXXXX XXXX XXXX XXXX XXXX ACCT # 302751XX XXXX XXXX XXXX XXXX ACCT # 622106XXXX XXXX XXXX XXXX XXXX ACCT # 200000XXXXXXXXX XXXX XXXX ACCT # 102654XX XXXX ACCT # 550114XXXXXXXXXX XXXX XXXX XXXX ACCT # 323672XX XXXX XXXX ACCT # 121780XXX  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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXXXXXX Account 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 non-monetary relief
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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 had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2021-07-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
purchaser sofa, very uncomfortable, like to ex for other comfortable sofa as per federal law on purchase with cr 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 explanation
Consumer complaint received 2023-12-04
Company: Receivable Recovery Partners LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got call at XXXX. The Individual did not say first who or what company he was calling me about. He immediately started with my son 's first name ( XXXX ), asked if I am XXXX. I refused to answer. I asked what the " small debt '' was for, refused to get me the detail information. I asked to have a letter send to address on file, individual said " letter was already sent '', thanked me for the call, hung up. I called back at XXXX to verify phone number, individual answer no name or company name. I requested to have the name of the company that called me for a debt collection, Individual refused. After disputing with XXXX telling him by law he is required to give me the name of the company Receivable Recovery Partners. He said you will do nothing XXXX XXXX. Phone number is ( XXXX ) XXXX FYI NO Caller ID

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I accidentally requested to put my tax return on a credit card I made a large purchase about a week ago and I am unable to access my funds I've called credit karma customer service XXXX XXXX  and XXXX XXXX none were able to Assist me in resolving the problem I called credit karma fraud department they told me that my card had been unfrozen and I still do not have access to the money on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/23 I requested to open a savings account, I provided the branch my social security card, commercial learners permit, commercial drivers license, and standard drivers license numerous times. Furthermore they asked if I can provide additional proof of address. utility, or lease agreement, or auto insurance statement. I told the customer service agent I do not have a car, nor do I own a home, the agent then requested that I get my grandmother, the homeowner to submit her license and her utility bill on my behalf. I told the agent I refuse to submit documentation that is not my own. She transfer me to her manager, then stated penfed has been dealing with a lot of fraud and losses from bills frauds so they need to verify my address to the best of their abilities. I told the agent I will provide any documentation in my possession, but regardless of how Her much fraud penfed has been dealing with the remedy to their fraud situation is never to discriminate against innocent bystanders like myself were not homeowners or car owners, and can not provide a utility bill or insurance letter. In addition to the documents, I provided I also included my XXXX XXXX bank statement and my XXXX bill both of which are in my name, and addressed to the same address on my licenses. In addition, my commercial drivers license, which they are now in possession of is was considered a real ID, a new form of identification to travel domestically or enter government buildings yet penfed continues to give me the runaround. And I was asked to submit a copy of my grandmothers utility bill with her drivers license attached I refused if this is not remedied correctly Im going to seek legal actions against penfed for their discrimination against 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 2020-07-28
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Paid additional money through XX/XX/2019 to XX/XX/2019 to lower interest and payments on loan. Shellpoint Mortgage misappropriated funds, disbursed two surplus checks after XX/XX/2019 and XX/XX/2019, respectively, the second bounced, and now my escrow is not correct.

Company response to consumer: Closed with explanation