BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
on XX/XX/2022 I did an annual review of my credit profile, upon reviewing current credit status there are several inaccurate items and inquires reporting. Per the FRCA policy Transunion is currently in violation of several of my consumer rights per 15 usc 1681b Permissible purposes : ANY consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance with the written instructions of the CONSUMER to whom it relates ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2019-01-09
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in contact with the company since XX/XX/XXXX with multiple documents that they say are required to start the process to look into modification/assistance. I have faxed multiple times as well as emailed the documents on many occasions and receive calls and letters telling me that the documents I have sent aren't enough. I am now receiving letters and calls from investors and companies offering to buy my home. It is my understanding that they have 30 days to review my information to see if I am eligible for assistance. I paid them last month over 1400.00 and will be paying another XXXX on the XXXX but they appear to be lying to me just as XXXX XXXX did when they sold my loan to XXXX XXXX. I have know I have met the qualifications for the mortgage assistance but if they have already posted my home for foreclosure then they are stringing me along and intend to take my home without offering me a way to keep my home that won't stretch me beyond what I am able to pay.

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 2020-01-17
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Several times I have reached out to Fidelity Collection regarding this issue. During the time of this service, I was XXXX and the XXXX XXXX XXXX XXXX Ohio covered all medical expenses. This debt was sold to Fidelity collection who reported this account on my credit report as being in collections. I do not owe any balance and would like to stop being harassed by this company. This company has sent me numerous amount of letters and I have asked that they work with the medical facility to bill the XXXX XXXX XXXX XXXX. As a XXXX, I do not pay for any medical services and after i was released from the XXXX XXXX I became insured by XXXX. This company has ruined my credit with its false reporting and has not attempted to resolve this issue at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i opened a joint account for my daughter. after letting suntrust close the account they linked her debit card from her closed account with authorization or notification to my account that i did not know she was an authorized user on. i was mislead my the customer service rep when we open the account because i was never informed i was signing a signature card for my daughter to be added to my account. i have had my account over 9 years and no one has ever been on my account. after my daughter phone was stolen someone used her XXXX XXXX which was connected to the closed account debit card which she did not know where the card was because we thought the account was closed one day they fraudulently took {$1.00} out of my account one day {$2.00} another day {$3.00} another day then {$500.00} the same day. as soon as i saw the charge i immediately went to the bank where they removed her from my account but can not explain who gave permission to link the card from the closed account to my 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 2023-12-13
Company: FC HoldCo LLC
State: PA
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:
Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). A Charge Off is considered a certificate of indebtedness, therefore it is income ( more illegally reported financial transactional information ). There are currently 16 inaccurate transactional entries on each credit report with XXXX, XXXX, and XXXX. These highlighted entries must be updated to paid as agreed per 15 USC 1681c ( 4 ). It is my right per 16 CFR 433.2 to assert myself as the consumer at any time. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any financial information to my consumer 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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XX/XX/22 called in TransUnion consumer solutions to update personal information that was not accurate on my TransUnion consumer profile. After answering brief security questions to verify my identity. The TransUnion agent assured me that the inaccurate information was removed. Today I received fraud alerts form the other credit Bureaus XXXX and XXXX. Stating that there has been a name change to my credit profile. Logged into my my TransUnion account. To find out that the agent i previously spoken with had added a name to my consumer profile that not mine. This totally unacceptable. I spoke with a supervisor regarding the matter and the supervisor assured that the name would be removed with u the hour. It has not been I just been denied a line of credit and bank loan because of trans union consumer solutions added a name to my consume profile that not mine.

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 2023-12-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

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 2023-12-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Loan originated from XXXX XXXX. They sold loan to Specialized Loan Servicing. Loan was sold with impound account including taxes and insurance. SLS did not pay insurance bill. Policy lapsed for two months until I paid insurance. Premium was {$100.00} more. SLS fined account {$76.00}. Called company, who insisted insurance was not part of escrow. I have done 7+ loans with XXXX XXXX. Insurance is always included in the impound 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 2023-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
This company is reporting 2 accounts but they are the same fraudulent account that is a result of An account that I DID NOT AUTHORIZE TO BE OPENED, WHICH RESULTED IN UNAUTHORIZED CHARGES, I HAVE NO KNOWLEDGE OF THIS ACCOUNT! IT DONT BELONG TO ME! I HAVE REPEATEDLY DISPUTED THE ACCOUNT REQUESTING TO REMOVE, THEY HAVE NOT DONE SO. XXXX XXXX Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I could not access to my online banking and i called to the bank, they informing me that my accounts, and the account of my daughter too, the bank gave me the information that they will send us a letter and the money of each one of us to the address registered in the United States in a lapse of 7 to 10 business days counted from XX/XX/2018. 
we received only the letters but not the money. I called the telephone XXXX XXXX XXXX to know what had happened. We must wait 30 to 90 days to know what happened to our money for a unilateral decision of the bank.

While all the members of the family without recovering our money. 
I have been XXXX  on the XXXX twice and these situation of stress are endangering my health, in addition to being retired, feels discriminated against and abused with such uncertainty. 
We are not American citizens, nor are we residents, but we hope that our case will be considered abusive by you, because only after 29 business days the Bank of America decided to continue abusing our weakness and communicate the reality, a situation that was not exposed in the letter in which they communicate the decision to close our accounts. 
Bank of America shows scorn to the user when banking institutions must be clear and honest, because they not only manage, but survive with the funds of third parties that we trust in their credibility, as an institution and because they are from the United States of America.

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 2023-06-19
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XXXX XXXX built a sunroom that did not meet the drawings or promises made by the salesperson in my room. The room they built is not insulated as I was promised, it is not waterproof ( leaked first storm ) and continues to leak ; the tar is dripping down onto the flooring I installed. 
And the tar is dripping down outside. The foundation is now revealed due to bad placement of drain. I had foundation inspectors to review the foundation. They stated it was sloppy foundational work and poor drainage layout. The room is burning hot in the summer and freezing cold in the winter. The heating and cooling unit they put in the room causes sky high energy bills due to non-insulated room. I was promised an insulated and energy-saving addition to my home for over $ XXXX. It is not worth {$4200.00}. Since XXXX XXXX was paid by Greensky immediately, they had no reason to come back and fix their work or be held accountable. I am a XXXX and very distraught. I feel like bulldozing this structure dow. I do not want this to happen to any other person. And when I contacted a lawyer, they told it was useless. I stopped paying some time back. I They did a bait and switch. Again, no accountability. They keep sending me the same marketing XXXX in the mail and I shred it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Chime Financial Inc
State: ND
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I've closed my chime account due to I was hacked on XX/XX/XXXX they said it was good to close right away and they will send a check out after processing and should receive it around XX/XX/XXXX or XXXX I haven't the I called them again and said I have not received anything yet and verified my details and address and they said that they will expedite the check and should receive it within 7-14 days I have not received anything called again and been emailing them too getting the run around now I have to wait 14 days of processing and 30 days of mailing it out now I said I think you're just keeping my money cause I should receive it by now and you always tell me that I can reopen my account so maybe my funds are still in there and you haven't even sent out the check yet or even at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by a company named National Credit System. They explained that they reported a collection on my credit report because I owed a debt to a property named The Strand, in XXXX, Fl, that I previously resided at, and that I now owed National Credit System a sum of {$330.00} due to me submitting my 60 days notice of not renewing my lease, in less than 60 days of me leaving. 
I then reached out to The Strand due to me not having knowledge of this sum being outstanding via email, on XX/XX/. The Strand did their research and corrected the amount due to actually {$220.00} via email communication XX/XX/, and directed me to pay them directly via certified funds, i.e. Money Order or Cashier 's Check ( I have physical copies of each communication between myself and the Strand property ). 
Since then I have placed in numerous disputes with the specific collections amount via XXXX, and each time National Credit System has argued that I owe them directly and that my credit report will reflect this due amount. During these disputes, I had given National Credit System ample amount of time for them research this dispute and contact The Strand to rectify their records but National Credit System has sought to continue to report erroneous and inaccurate information onto my credit report, as an act of fraudulent extortion. This has effected my credit score negatively and causing me to lose XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-26
Company: Experian Information Solutions 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: 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, 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 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 explanation
Consumer complaint received 2023-12-13
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with NATIONAL CREDIT SYSTEMS company I believe the original creditor XXXX XXXX XXXX XXXX XXXX XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a PayPal account that Ive only used once. Suddenly, I started getting emails and texts that my account was compromised and being used suspiciously. I messaged with customer service, and they said they hadnt sent texts or emails, so I requested they close the account. In order to do so, they told me I needed to upload a copy of my drivers license and a bank statement. I told them I would not do that as it exposes me to fraud. They wouldnt tell me what the fraudulent activity was either. I told them I would not upload those documents, and they claim they cant close the account without them. Now theyre telling me I dont have to upload a bank statement just a drivers license. I once again said I wouldnt upload that, and they refuse to close the account without it. If there is suspected fraud on the account it needs to be closed - but they refuse to without my uploading sensitive information. This feels like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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 was notified by XXXX XXXX XXXX that someone opened a store credit account in my name without my knowledge on XX/XX/2023. I was told the credit card application was instantly approved for {$400.00}. That person then attempted to use the card at a store in Florida on XX/XX/2023 but the transaction did not go through. 

The inquiry for that credit card application is on my record and I would like to dispute that inquiry since it lowered my credit score. Please advise.

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 2022-10-25
Company: SYNCHRONY FINANCIAL
State: NJ
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:
I could not get a rep on the phone that could tell me why the inquiry was made.

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