BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX : {$7100.00}

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 2023-10-30
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I assumed my mortgage which was an easy process after my divorce. Freedom was actually easy to work with. I was on my original loan. However, after the assumption, Freedom no longer will allow me to access my account online. I was not informed of any of this prior. I contacted them repeatedly about it, because that is how I normally pay. But no one was able to tell me way I could not do online, util finally I XXXX  today, XXXX, and saw many angry people are having this issue since their assumptions. I am being treated like a XXXX. They are saying this is to protect my ex. I was on this loan before. I am the one who made all of the mortgage payments. Neither one of us had our SSNs on anything I had access to before so I feel like this is some kind of a weird cop out on their end. I no longer have access to my documents.

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 2018-11-05
Company: UBS BANK USA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have two outstanding issues with UBS. 

1. I have a credit card that normally carries a {$490.00} annual fee. The fee was waived for me because I moved all my assets to UBS, however I was just charged this fee again.

2. I was charged a {$270.00} annual fee for my XXXX XXXX accounts. I was told that this fee is waived if have {$1000.00} in direct deposits in any of my linked accounts, which I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
I need this information to be completely deleted from my history because it is not mine, it hurts me 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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 forwarded a letter to the TransUnion Credit Bureau dated XX/XX/2022 to update these questionable accounts. I think you have not validated these accounts in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXXXXXX Balance : {$1100.00}

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 2020-06-19
Company: Associated Credit Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not have a the opportunity to dispute the following accounts : ASSOC CREDIT SERVICES : XXXX XXXX XXXX  : XXXX Also, I have sent certified mail requesting validation of debt and method validation. 

This is response should have been delivered within 15 days and it have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Specialized Loan Servicing Holdings LLC
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 is missing that should be on the report

Complaint:
I am not certain if this is my problem but its the only thing I can see that changed on my credit report. My credit score drastically dropped from XXXX to XXXX in some cites and XXXX on XXXX. My credit report is showing that our mortgage was paid in full in early XXXX. I did receive notification from XXXX XXXX XXXX XXXX at the very end of XXXX that my mortgage was being sold. to another company, Special Loan Service Mortgage. However, my mortgage is no longer showing on my credit report and I am wondering what's happening. Our mortgage was covered with XXXX Bank for over 20 plus years then all of sudden it was sold to XXXX I believe in XX/XX/2022. Then in XXXX XXXX is selling the mortgage to someone else. I don't know what kind of games they are trying to play but my husband and I do not want to get caught up in anything with us being so close to paying off the mortgage. We don't know if some company is trying to run a scam on us and we are not going to have it. Somehow somewhere our mortgage balance is being hidden and not being reported on our credit report. My credit score should be reinstated back to normal quickly and not gradually increased, it is not fair nor honest to destroy someone's credit score.

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 2023-04-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Company answered my previous complaint with a contact person, phone number and extension number however the contact person is out of office until XX/XX/XXXX and another contact persons name and extension number is given except that contact person doesn't return phone calls. I've made six phone calls in three days to this other contact person but to no avail. The inability for me to speak to this other contact person is just as bad as if the Company did not my answer my previous complaint at all.

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 2022-07-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have a loan with GM FINANCIAL. I have always made my payments on time yet the item has been repossessed. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX, XXXX, and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was given a loan modification under MAKING HOMES AFFORDABLE. I was to receive XXXX incentive pay for successful payment under this program to my loan. I was told I was going to receive this on the anniversary of the 6th year. I have NEVER received this. I am on the seventh year. 

I do not receive any mortgage statements. I want my XXXX pay for success incentive to be applied towards my principal balance. I have called and was first told it was to be applied XX/XX/2018. It is now XX/XX/2018 and nothing. I have been on the phone for 20 minutes with XXXX XXXX who knows nothing and is printing my modification papers. 
Like that will help. She sees that the incentive has not been applied, so what will wasting our time do.

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
transunion added a incorrect missed payment from XXXX XXXX to my report last month of XX/XX/2022, since then it was removed and added back for a different month XX/XX/2022. 


I will upload factual dispute with other docments to ensure im protected as a consumer under fcra law.

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 2021-06-25
Company: Crossroads Systems Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I signed up for a PPP Loan through the Company XXXX XXXX who's partnered with Capital Plus Financial LLC in Early XXXX and got approved by the XXXX, after three months of waiting they sent me an email yesterday XX/XX/21 stating they couldn't approved my loan because i didnt give the info although my loan was approved and funded by the XXXX  in XXXX Allegedly. Some fraudulent activity is going on because i called XXXX today and they stated they dont have a document from this company that i signed which i did signed and have receipt from XXXX XXXX that i did. Im just trying to get to the bottom of this situation because all the reviews on this company is fraudulent but yet im on the PPP search stating i have a {$15000.00} loan that i never received. You guys can contact docusign with my email information to verify this with my email which is XXXX. XXXX Loan number XXXX the Lender is Capital Plus Financial , LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Approximately XX/XX/XXXX of XXXX my EDD/SDI debit card issued by bank of America was closed or frozen because of " indentity verification issue '' is what the customer service agent told me at Bof A that California department of employment development department put a hold on my account and told me to contact EDD, which was false. The EDD said there was no hold and to call BofA, so it was like I was a pingpong ball going back XXXX forth. Then Bank of America out the hold on my account and funds were not available they finally just closed my account. They have yet to allow access to my funds on that card ending in # XXXX exp XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00}, which are 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 these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT

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 2023-07-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a dispute to update the inaccurate spelling of my name. I also requested to remove old addresses that are inaccurate as well. I have sent three letters and now I am submitting my complaint.

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 2022-11-07
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}, which are 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 these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.

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 2018-06-25
Company: RAB, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I initially started to receive calls from a XXXX area code on XX/XX/XXXX. I didn't recognize the number, so I didn't pick it up. Then, several calls from a XXXX area code started to ring to my phone ( my home area code ). I picked up the calls and it turned out to be XXXX XXXX from RAB Inc who claimed that I owed money for wine that I purchased as the owner of the XXXX XXXX XXXX. I repeatedly told XXXX that he had the wrong individual and that I was not the owner of XXXX XXXX XXXX and that it was a supermarket in the floor of my office building. 
He proceeded to let me know he had my drivers ' license number and knew all of my personal information, rattling off my mother 's full name as well. He, then, called my mother with this information and began to harass and scare her. He said that he had my social security number and all personal information about me. We both asked him to never call us again and that he had the wrong person as I was not the owner of XXXX XXXX XXXX and did not have anything to do with who they owed money to. 

It was really scary and XXXX XXXX should be disciplined for this type of harassment and these scare tactics. I have nothing to do with this debt and am just trying to clear my name at this point with the company who is trying to collect this debt. I have been very obviously incorrectly tagged with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. State 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 non-monetary relief