BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have ask these credit company 's to remove these accounts that was open without my consent

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 2023-03-06
Company: Freedom Mortgage Company
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: Their investigation did not fix an error on your report

Complaint:
I was in the hospital in the XXXX  from XX/XX/XXXX to XXXX XXXX a XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX due to XXXX. I was not alert or oriented except for the last two days of my hospital stay, I was XXXX  and in a XXXX. My husband who has never paid the mortgage never thought about XX/XX/XXXX mortgage because at the time they were not sure if I was going to live or die and he has never paid the mortgage. 

However, on XX/XX/XXXX he called in to make the XXXX payment at the advisement of our children and found out that he needed to make XXXX 's payment as well. He made both payments that day. 

Freedom Mortgage hit both of our credit reports with a 30 day late mortgage. Once I found that out I contacted Freedom Mortgage in XXXX of XXXX and got up to the supervisor of the call center, She pulled the tape recording of my husband calling in on the XXXX, and said since he did not tell her I was in the hospital with XXXX  at that time they can not change our credit report. They did not ask my husband why the payment was late either. My husband didn ; t know he needed to tell the bank I was in a XXXX XXXX XXXX due to XXXX. If he had known that they needed that information he would have given them that information. I was so upset because she said that had he told the call center at the time it wouldn't have gone on our report but because he did not they will not remove it. 

I was vaccinated and boosted and still ended up with XXXX, XXXX XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have XXXX children and 5 dogs that my husband was trying to balance with the real possibility that I was going to die. 

We had a significant reduction in our credit scores because of this reporting. We are trying to refinance our home to use some of the equity because I could not work for several months, and just now I am back to work and working up to full-time. My husband served our country in the XXXX for 30 years and this is how we are treated? If he told them when he called in XX/XX/XXXX they would not have put it on our credit report but since he did not they will not change it. I have a full medical report to go with statement of XXXX and XXXX and XXXX XXXX. I also had 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 2021-03-10
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I started the refinance process late last year with Wells Fargo. We were supposed to close early In XXXX. The Wells Fargo said to not pay the XXXX mortgage which I didnt. Wells Fargo was not ready on the date and moved the closing out 3 times the latest date was XX/XX/XXXX. Last week on the XX/XX/XXXX they told me to make the XXXX payment, which I did that day. They just came back to say that because I paid my payment 30 days late VA will not allow the loan to close. I didnt pay per XXXX XXXX direction, and paid when they instructed me. Do I have any recourse?

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 2023-03-10
Company: Experian Information Solutions Inc.
State: NC
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-11-12
Company: Experian Information Solutions Inc.
State: CT
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2023-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I woke up on XX/XX/2023 to emails from Bank of America telling me they were pending opening an account. Followed by other emails stating they verified me and established the account also on XX/XX/2023. I called their fraud team to tell them it was fraud and then received an email on XXXX/XXXX/2023 telling me I was denied opening the account when in reality I told them it was fraud. They told me they would send me information about the fraud that occured and I never received it.

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 2023-03-06
Company: Synovus Bank
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have been paying off a card that have been unable to use or close. I received my First Progress Card in XX/XX/XXXX. I misplaced my card in XX/XX/XXXX after moving from my apartment, soI decided to close my account. I never made a single transaction. My credit utilization has gone up without me ever using the card. I do not remember the card number, except for the last four digits. This is because First Progress takes the monthly payment from the card itself, which is about 1/4th of the full credit limit, and not directly from my bank account, which makes the card virtually unusable if I want to remain under 30 % credit usage. I originally set up auto-payments to withdraw from my bank account to pay my card off. 

First Progress only allows contact to their representatives over the phone, so I called the number on their website. Nobody answered. I called multiple times over the course of XXXX, but still nothing. First Progress does not communicate back and forth with customers through email ; all the emails are " no reply. '' I stopped automatic withdrawals from my account, and I was charged a late fee, which dropped my credit score.

I have been paying off this unusable card that I am unable to close, with no reliable way of reaching out to First Progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have ben able to get access to my credit report and neither do some lenders. I have repeatedly contacted Equifax and received different responses regarding the issue. I was told by an agent that I needed to verify my infos by sending some items. I have faxed my informations several times. Depending on which agents you get some say that the informations were received and some say it wasn't. 
I I file complaint with the GA attorney general and the company responded that some of the documents weren't readable. That's contrary to the information that I received from a supervisor who confirmed that all the verification were complete and that it should takes 24-48 hr for the system to update and allow me and lenders to have access to my report. 
For a brief period, some lenders were able to have access to my credit file and some weren't while I am still not able to access ny account. 
On XX/XX/XXXX I spoke with rep XXXX who again confirmed receiving all the required documents on XX/XX/XXXX and that everything looks good on the system. she wasn't sure what the issue may be but decided to escalate the issue so it could get resolved asap. report XXXX Spoke with another agent on XX/XX/XXXX which agent told me that the issue might be due to a down system. report XXXX. The agent also told me that I need to get core credit from Equifax ( free services ) and that should resolve the issue. I am unable to get core care. 
I am recently applied for a mortgage and is unable to close on the loan due to the inability of lenders to access my file. I am in a position where I can loose my earnest money deposit and be forced to renew my rental lease. both situation would cause hardship to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: STERLING JEWELERS, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My grandmother, XXXX XXXX XXXX, ( deceased XX/XX/14 ) took out additional student loans in my name through, what I can only assume, was a forging of my signature. I was never aware or informed of these loans that are currently in collections with XXXX XXXX XXXX   and only just saw them on my credit reports when applying for a home loan this past winter. I have contacted XXXX XXXX  ( the original debtor ) to no avail and have also attempted to contact XXXX XXXX XXXX but do not have account numbers or my grandmothers SSN and can not prove I have access to these accounts as I have never received written acknowledgement of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In 2015, I XXXX XXXX entered Into a consumer XXXX XXXX XXXX XXXX which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this XXXX  XXXX has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my license and will be mailing my invoice.

Bank can not lend money ....

In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, indorser, or guarantor for him. Farmers and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 11 F 2d 83, 271 U.S. 669.

A national bank has no power to lend its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.

A valid rescission of a credit sale contract does not render inoperative the disclosure requirements of the Truth in Lending Act, as creditors obligations to make specific disclosures arises prior to consummation of transaction. Truth in Lending Act Section 102 et seq., 15 U.S.C. Section 1601 et seq. ; Truth in Lending Regulations, Regulation Z, Sections 226.2 ( c ) 226.8 ( a ), 15 U.S.C., following section 1700. ONeil c^ 484 F.Supp. 18.

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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made multiple attempts with XXXX XXXX  as well as the Credit Agencies to CORRECT the INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I have NOT received an Answer to the 3rd Request to XXXX regarding a specific account ( s ) reporting Utilization. THIS IS A VIOLATAION OF THE FEDERL LW. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. XXXX Continues and refuses to delete and remove utilization and ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. They were Noticed and demanded to STOP and or Adjust the utilization. THEY DID NOT Completely ignoring the Law. I want the utilization corrected immediately!

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 2021-10-11
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Phoenix Financial Services LLC is attempting to collect a medical debt. I have not signed a medical release of information. The hospital sold my information to this agency that I was unaware of, and is in violation of the hippa law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have made multiple attempts with XXXX XXXX as well as the Credit Agencies to CORRECT the INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I have NOT received an Answer to the 3rd Request to XXXX XXXX regarding a specific account ( s ) reporting Utilization. THIS IS A VIOLATAION OF THE FEDERL LW. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. XXXX Continues and refuses to delete and remove utilization and ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. They were Noticed and demanded to STOP and or Adjust the utilization. THEY DID NOT Completely ignoring the Law. I want the utilization corrected immediately!

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 2023-03-06
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is second complaint about my loan provider Sls I received 2 letters from sls during first complaint one dated XXXX Received XXXX Second dated XXXX Received XXXX XXXX Previous complaint I'd XXXX Escrow As a homeowner, I XXXX XXXX have been throughout the in-house refinance providing information and details for completion of refinance by sls on XX/XX/XXXX. I stated numerous times during thier taped conversations that it isn't first line. Simple as date of deet of trust to see in fact which was first and second mortgage. With that said this was NOT INDEED inadvertently labeled the only reason I as a customer and or home see this being labeled as this was only to put me under financial hardship and burden As stated in XXXX letter there is {$2700.00} of escrow that inadvertently taken and kept to this date As of now I have not received the above check for {$810.00}. Nor have received the duplicate check sls stated they sent to property taxes on XXXX sls check on it when they stated on the letter on XXXX and my first mortgage already paid taxes on XXXX gave sls 4 months to know it duplicate and return.money to me. Which I have not received. This almost {$3000.00} " inconvenience " as stated in letter has directly pit me into financial hardship and fees. 

Fees The fees I was referring to weren't front the XX/XX/XXXX in house refinance. It was from when sls took loan and provider orginal date XX/XX/XXXX Conclusion There has been since XXXX a lot .... a lot of Grey area sls push for a provider stand point to the point of past the Grey area... 

I want and need to combine both first and second mortgage into one loan ie consolidation of loans with equity draw to help with the hardship that sls directly and or indirectly cause inadvertently labeled for second loan and for providing for both loans Tks 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 2023-03-06
Company: U.S. BANCORP
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was sent an email from US Bank to sign up for a merchant services account and spend a certain amount {$50.00} or have a transaction within 60 days and I would get a {$500.00} bonus deposited into my account. I met all of the requirements and the deadline has long passed. I contacted the CS for US Bank and was told I would get an email nearly a month ago as a follow-up ... ..nothing came. I then called and spoke to a CS rep who apologized and told me I would get a follow-up email nearly three weeks ago, which has never come. I feel like this bank is defrauding me currently. I have been getting charged monthly fees on this account since signing up for this service 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 monetary relief
Consumer complaint received 2020-03-23
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
US Bank is committing multiple violations under the Fair Credit Reporting Act. 

I am writing to request your help. They are reporting false and erroneous information to the credit bureaus. Please see some of the violations bellow : - Failing to investigate account - Failing to send late notice by mail as requires the California Credit Reporting Act.

- Negligence - Breach of contract Their wrong report is affecting me in a huge way. Its affecting not only my credit score, but also my psychological health. 

Please send the attached documents to US Bank. 

Thank you so much!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation