BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX    XX/XX/XXXX -  did not authorize   XXXX   XXXX      XX/XX/XXXX - Did not authorize   XXXX   XXXX   XX/XX/XXXX - did not authorize  XXXX  XX/XX/XXXX  - did not authorize   XXXX   XX/XX/XXXX  - Did not authorize   XXXX   XXXX    XX/XX/XXXX -did not authorize   XXXX   XXXX      XX/XX/XXXX  - did not authorize  XXXX     XX/XX/XXXX  - did not authorize A dealership (   XXXX   XXXX   ) pulled my credit report without my permission. I was told they were going to try to include my income on an auto loan but because I do not have license in the state of Pennsylvania I did not want to be listed on the vehicle title. they took my information and pulled my credit report anyway. And they refused to have them, deleted. Did not return my phone calls.
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I also am aware of the glitch with transunion in the summer of   XXXX   and early  XXXX  in which inquiries were deleted and then when they realized the glitch they re-added them to the reports. But without informing me within 5 days of adding them back. This is a violation of my rights as well. So if I was affected by that as well I would like it to be resolved as well.

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 2019-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Failure to process home loan application in a timely manner. Informed us 2 days before intended closing date that there was a potential issue with the condo building that requires additional review. Misinformation about this further review process and timeline. 

XX/XX/XXXX : Home loan pre-approved, Mortgage rate locked and we begin to provide application documentation XX/XX/XXXX: All parties agree to move the closing date from the initial date in early XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX : We receive our Closing Disclosure from Bank of America for review XX/XX/XXXX : The week of the closing. Our processor ceases to respond to multiple email and phone inquiries regarding scheduling the closing. 
XX/XX/XXXX : We contact the processor 's manager due to the processor 's silent. We do not hear from the manager either, and only receive contact from only after escalating to our loan office. Processor informs us that there is an issue with the insurance policies and appraisal review that would take another day, pushing closing to XX/XX/XXXX. 
XX/XX/XXXX : Our broker informs us that the seller has been told by his attorney that there is an issue with our loan approval. We message our bank contacts and 5 hours later loan officer calls to say to tell me we did not pass final review at Level 1 and she would have to send up the next level, and further would review would take several days. At no time did Bank of America representatives reach out to us - instead we learned third hand, and when we contacted BoA we had to wait 5 hours for an answer. 
XX/XX/XXXX : We are told by our loan officer, who says she has spoken to whomever is now responsible for review - that the process will take 48-72 hours. 
XX/XX/XXXX : After the 72 hours have expired, we are told it will be another 24-48 hours. 
XX/XX/XXXX : We are told that there will be an additional 1 or 2 business days. 
XX/XX/XXXX : We learn that Bank of America is requesting further documentation from the building for review. We were not given the list of items requested, and seller 's attorney was not aware of this request. Loan officer advised she would get the list to us by XXXX the next morning. 
XX/XX/XXXX : XXXX and we have finally received the documentation list, after calling Loan officer 3 times since the prior afternoon to request it. We are now 7 business days past our intended closing date and this brand new request for documentation will delay us further, with no promises of turnaround time for review.

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 2019-08-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
When I called to understand their fees they provided little to know insight. I tried to work with the cell phone companies but they refused to work with 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 2017-07-15
Company: EQUIFAX, INC.
State: CA
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 'm a victim of identify theft. A person has tried twice to open a   XXXX   XXXX    credit card once in  XXXX  2017 and another in   XXXX   2017. Both times   XXXX   contacted me and we had calls with   XXXX   XXXX   and identified as fraudulent.   XXXX   XXXX   stopped the issuance of credit in both instances. They also removed the hard inquires on my credit reports for  XXXX  2017, but for  XXXX  2017 they missed Equifax. I have written twice to   XXXX     XXXX   XXXX   fraud department explaining about the fraud and they missed the hard inquiry with Equifax and both times they keep sending the same letter about three kinds of inquires. Pre-screening inquires, Account management inquires, and Standard inquires. Nothing to do with my issue. They are not bothering to read my letters. Because of this hard inquire it can lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: IN
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 ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: NJ
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 was informed by my credit reporting agency that I have negative reporting on my credit report dated for the month of  XX/XX/XXXX   XX/XX/XXXX  and XX/XX/XXXX  from Bank Of America it showed that i had missed payments / late payment made on my account and it was reported to the credit reporting agencies showing an negative impact on my credit I have contacted Bank Of America on numerous occasions trying to get this problem resolved on my credit report I have finally sent them copies of thier own records showing my payment were made on time but they have not yet responded back or reported my payments were made on time i have been corresponding back and forth with BANK OF AMERICA but they just keep giving me the rum around over and over.

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 2023-02-02
Company: EQUIFAX, INC.
State: MD
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 haven't had any success with updating/correcting my personal information with the XXXX credit bureaus, Equifax, XXXX, and, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021, my new mortgage servicer, Flagstar Bank, sent a letter stating that my homeowner 's insurance was not up to date and that I needed to submit documentation of the insurance. This was after my mortgage was sold/transferred to Flagstar from a previous servicer. I submitted the requested information on XX/XX/2021 showing that my HO6 homeowner 's insurance was active and up to date. I received an email stating that my submission had been received, and no further communication from Flagstar. 

In early XXXX, I learned when checking my account online that on XX/XX/2021 Flagstar charged my escrow account {$2300.00} for " Wind Insurance '' from the provider " XXXX XXXX XXXX. '' I have never received any policy documentation or explanation of the charge. 

I called Flagstar Bank on XX/XX/2021 to ask what this charge was about. The representative stated that the files indicated that the " Master Policy '' from our Condo association appeared to have expired and that this " wind insurance '' charge was to account for it. I immediately sent Flagstar the Condo policy, which was not expired. That policy year runs until XX/XX/2021 ( it has since been renewed ). 

Despite the fact that the condo policy was not expired, and I acted speedily to comply with all the document requests from Flagstar, they have not rescinded the inappropriate {$2300.00} insurance charge from my escrow account.

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 2017-07-16
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:
Under CFPB case  XXXX ,   XXXX   XXXX   informed me that they would initiate an identity theft fraud investigation and informed me of the results after 60 days. The 60 days has passed, and I have yet to receive the findings of the investigation. I have provided   XXXX   XXXX   a copy of a police report filed with the  XXXX  Texas police department and a identity theft report from the Federal Trade Commission.   XXXX   XXXX   informed me of the fraud investigation on  XXXX   XXXX , 2017. I provide them the police report and identity theft report via certified mail (   XXXX    ) which was received by   XXXX   XXXX   on  XXXX   XXXX , 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: VW Credit
State: MN
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 3 hard inquiries from Volkswagen credit on my XXXX  report provided by XXXX XXXX. Two from VW credit on XX/XX/19 and XX/XX/19, and one from XXXX XXXX in XX/XX/19. I only applied for one loan so I would expect to only have 1 hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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:
On XX/XX/XXXX Experian illegally initiated a dispute without the written consent of me, the consumer, as well as lack of supporting information that the agency, originally asked for. I have reason to believe the agency, fraudulently obtained and sold this information without revealing the entities they sourced and sold this information to and from. Providing credit reports to unauthorized third parties, is a violation of Title VII of the Civil Rights Act of 1964. Reporting inaccurate information on a consumer 's credit report, which can harm the consumer 's credit standing and limit their ability to obtain credit, housing, or employment is an addition to this set of violations. Furthermore they furnished a credit report with false information without proper reinvestigation or my WRITTEN consent. Under the Fair Credit Reporting Act ( FCRA ), starting a dispute without written consent from a consumer would violate section 611 ( a ) ( 2 ) which states : '' No person shall furnish any information relating to a consumer to any consumer reporting agency if such person knows or consciously avoids knowing that the information is inaccurate. " Additionally, section 611 ( f ) requires that a consumer reporting agency may not provide consumer reports to third parties unless it has reasonable procedures in place to ensure the maximum possible accuracy of the information in the consumer report, including procedures to verify the accuracy of information furnished by third parties. In addition, they are in violation of Section 611 ( a ) ( 1 ), which requires credit bureaus to follow reasonable procedures to ensure the maximum possible accuracy of consumer credit information ; Section 611 ( b ), which requires credit bureaus to provide consumers with the specific reasons for any adverse action taken as a result of information contained in a consumer 's credit report ; and Section 616, which requires credit bureaus to delete information from a consumer 's credit report that is found to be inaccurate. These actions have caused me, denied loan and credit applications, higher interest rates and unfavorable loan terms, decreased credit score, increased difficulty in repairing credit, emotional distress, and time and money spent correcting errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PAYPAL Scam company from XXXX was trying to still money from me and they said that they were from XXXX reviews and I was selected to participate on XXXX review programs at that point I didn't know that it was an scam company I believe them that they were from XXXX and they said that they were going to deposit money on my paypal account so I can try the product and write ONLY a good review. Start feeling that something was off and I ask them to cancel, they said that they couldn't and I told them that I was going to report the to XXXX they asked me to not do that ( I have the emails as proof ) they apologize and they told me that I don't have to send the product or money back ( I have proof of that as well ) months after the scam company subbmited a dispute against me about the {$30.00} to PayPal.

I spoke with a representative ( 3 of them ) all of the reps seems to not knowing what their doing and they just throw the ball between each other giving any kind of different information. Finally after 2.5 hours on the phone trying that they helped me I talked to a supervisor. She requested information from me she ends up telling that that
company was not scaming only me but also other people and she even gave me a gift card of {$30.00} ( Paypal Supervisor ) she said to make it up for the time that I wasted and the dispute was soved and close.

3 months after received a collection letter from paypal for the same dispute, someone didn't do their job there and not updated the system, they locked my paypal account and the customer service rep said that they can't do anything only collection nobody was able to solve they want me to pay something that I don't owe and it was " solved ''. I really think that PayPal needs to train their reps before that they even talk to people and the reps use same information and not each of them give wrong and different info. After wasted more time and talked to more people nothing was resolved
and the only thing the reps suggested was follow another dispute ( same thing I did before and provided them with proofs on time ) or pay the balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06
Company: KEYCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am working Key bank on a refinance of my property. This is a program in partnership with XXXX  under the Cash Offer option where XXXX funds a short term high interest loan which will be refinanced out of. Keybank commits to a aggressive closing timeline of 30-35 days and makes promises to close in the time frame. My re-finance took almost 60 days to close despite us providing document timely. Experience is both frustrating and added significant cost to our mortgage due to the high interest short-term loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
I currently am being reported 30 days late for the month of XX/XX/2020 by my current auto loan bank Santander Bank. I have and will upload a document that is a payment extension agreement that clearly states that I was being provided a payment extension that began in XX/XX/2020 and covered me until XX/XX/2020 yet I am being reported 30 days late for the month of XX/XX/2020 which is clearly covered by the agreement. The agreement states at the very beginning that I'm covered for the month of XX/XX/2020 yet they are unwilling to abide by this ironclad agreement. Section B of the contract CLEARLY statesI had no contractual obligation to make a payment on the dates listed so I should not incur this blemish. I've tried to resolve this with the bank and they've given me no assistance whatsoever. I reached out to the executive office and they told me that I couldn't escalate this any further. I signed this agreement and was told I'd be protected for those months and they are now not abiding by what they told me even though I've provided them with documentation where it CLEARLY states that from XX/XX/2020 until XX/XX/2020 I would not be responsible for a payment. I've tried for months to have this removed and they clearly have no interest in adhering to the terms of the contract that I signed and by what I was told. This erroneous and unfair reporting has resulted in a massive drop to my credit score and Santander is unwilling to work with me at all. Please assist me in removing this unfair blemish to my credit report by a predatory bank who already had a massive lawsuit last year for their predatory lending practices of which I am yet another victim.

Company response to consumer: Closed with explanation