BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: OH
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:
I recently got preapproved for a new VA mortgage because I am shopping for a house. The day after, I have received phone calls after phone calls from supposed lenders. Some identifying themselves as working with the VA, or with Experian. Some of the caller have been outright hostile, one even commenting that he had my social and date of birth all ready when I asked to be removed from the call list. When I tried to contact the three credit reporting agencies that must of sold my information without my permission I can not get anyone on the phone. But rather get bumped from automated message to automated message. If the credit agencies are in fact giving my Personal Protected Information out without my permission to unsolicited lenders I am extremely concerned.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$1800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2022-06-13
Company: TRUIST FINANCIAL CORPORATION
State: GA
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 never communicated with XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/2022, XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXX on XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXX or XXXX XXXX on XX/XX/2022 ( violation of 15 USC 1028 and 15 USC 1029 ).

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 2023-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
AS OF XXXX XXXX XXXX Ive noticed fraudulent accounts and inquiries 
ACCOUNT NAME :CAPITAL ONE BALANCE UPDATED XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX DATE OPENED DATE : - CLOSED XXXX XXXX XXXX XXXX STATUS: INCLUDED IN BANKRUPTCY COMPANY CONTACT Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Tried to refinance my home and just found out that PNC Mortgage, has a lien on my home in the amount of {$5000.00}. 

Attached is a copy of the modification papers showing the unpaid principal amount of {$21000.00} and the new amount of {$4100.00} being added to the principal amount ; however the added amount of {$4100.00}, was put on my home as a lien. IT SHOULD HAVE BEEN TAKEN OFF AS SOON AS IT WAS ADDED TO MY PRINCIPAL. PNC MORTGAGE IS BEING PAID TWICE. 

Also XXXX  XXXX, paid PNC Mortgage the full new principal amount when they took over my mortgage account. 

My next complaint with PNC MORTGAGE, is the fees for transferring my account to XXXX XXXXXXXX in the amount of {$1400.00}. WHY DO I HAVE TO PAY THE FEES FOR PNC MORTGAGE TO TRANSFER MY ACCOUNT?? PNC Mortgage is charging me for something that I DID NOT REQUEST!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: A-L FINANCIAL CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
During XX/XX/2021 I emailed A-L Financial from their website questioning why my car payment history doesn't appear on my XXXX XXXX or XXXX credit report. I never received a response and I didn't have a record of the contact form. Today I was looking over my credit reports again to see if they had taken any action and maybe just had not reached out to me. Again no sign of my car payments being reported. 

I called the office of A-L Financial in XXXX XXXX  and I asked why my car payment is not being reported to the XXXX credit bureaus. I was told they only report to XXXX and if I wanted to have it reported to the other XXXX I'd have to do it myself. I don't know if this is a legitimate option for a finance company or not but I've never had this happen to me. 
I have had my car for XXXX months and never late on a payment, I am trying to rebuild my credit and my credit reports all look different, they all have different balances in part because of the non reporting of this company. 
I purchased the car thru XXXX XXXX which is a huge dealership at no time during purchase or after wasI ever told that I'd need to report my car payments to the credit bureaus myself. 
After speaking with the finance company today I contacted XXXX XXXX to find out how I could report it myself and was told there's no way for me to do that. XXXX XXXX referred me to the FTC where I found your information. 

This is a complaint against : A-L Financial Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ph # XXXX If this is in fact something they are allowed to do and I am unable to have them report to all XXXX credit bureaus can you please tell me how can go about reporting it myself. 
This seems awfully unfair and sketchy to me. Why would a financial institution refuse to report to all XXXX credit reporting agencies. 

Please advise, your assistance with this matter would greatly appreciated. I feel like I have been scammed. I bought the car to help re-establish my credit and this is like a set back. It's almost been a year since I purchased the car and I am not getting any points on my other XXXX reports for paying on time or generating a positive account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My XXXX XXXX XXXX XXXX was stolen in late XXXX. XXXX was made aware of this and given copies of the police report and the insurance company 's contact information. The vehicle was eventually recovered in XXXX of XXXX, however XXXX had already marked the account as a total loss and therefore cut off access to my account online and they refused to take payments over the phone. XXXX still is reporting the payments from XXXX to XXXX as being late. From XX/XX/XXXX until XXXX of XXXX the account is marked as no info as that is the period when XXXX had closed the account. 

During that time period I attempted to contact and pay these payments on numerous occasions yet no one at XXXX would assist me other than to say the account was closed. I even filed a XXXX XXXX XXXX complaint and XXXX replied to that by saying the account was closed. XXXX advised me to contact their insurance company who had a non-working email address and a phone number that had a message saying to try back later every time I called it. 

Then without informing me, but likely due to the sheer volume of phone calls and letters I had sent to XXXX, they re-opened the account and the payments from XXXX through XXXX are now marked as delinquent. 

In XX/XX/XXXX the vehicle was again stolen and in XXXX of XXXX, according to Transunion, the XXXX account was again closed. In XXXX of XXXX I finally was able to reach someone at XXXX in their internal collections department who agreed to accept payments. I have paid XXXX over {$20000.00} in the past two weeks to bring the account current. And fortunately the vehicle was again recovered by the police. However when I requested an extension or forbearance on payments I was told to make one more monthly payment and they would make a compromise with me. I made one more payment as requested and then they refused to make any offer and blamed me for the payments being late while they simultaneously admitted that they had closed the account previously and would not ave accepted any payments. 

I have attached documentation verifying all of the above information including XXXX response to the XXXX complaint that states I owed {$1100.00} ( one payment ), yet according the reports XXXX reported XXXX late/missing payments up to that time. Included in the documentation is an email returned to me showing the XXXX XXXX email address did not work and a letter I sent to XXXX after the XXXX  complaint in an effort to bring the account current.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: MO
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:
I am making this complaint because I am a victim of identity theft according to the FCRA and have not given written permission for these accounts to be furnished on my consumer report, furthermore, I have reached out to these companies to verify that the debt is mine and they can not. I am aware that you must block the reporting of any information that is inaccurate. Please remove these accounts immediately within the 4 day period by law or further actions will be taken.

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 2023-08-03
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed XXXX XXXX charge off on my Experian report. I have disputed this countless times and the dates change and is inconsistent. All our personal data was breached by the lack of security of experian. We have disputed this charge off for years and there is misrepresentation by XXXX XXXX and XXXX. We placed a fraud alert right away when we noticed charges and experien and XXXX XXXX are still not doing their part and making this right! You would believe that the largest credit reporting agency would be above all others in ethics and practice ; however, not experian. The charge off should have been removed as the other ones have been removed. The victim should never continue to be victimized. Its contrary to the law and humanity.

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 2021-10-11
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
on XX/XX/XXXX at XXXX XXXX EST I returned a new unopened item at the XXXX store in XXXX XXXX Florida the return was uneventful with original receipt merchant issued credit and gave me a receipt verifying the same bluebird card bt American express is still holding my refund claiming they would credit the account yesterday XX/XX/XXXX XXXX calendar days they have not given me my money i called them 2 times they blame XXXX XXXX is not to blame and released the finds for the credit on the day of the original return XX/XX/XXXX bluebird is playing games with the law here

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hi. My name is XXXX XXXX. I have had my Amex for over a year. I am reaching out because I submitted a request for a credit limit increase. Everytime I want to apply for a new card or increase, I have to submit a complaint because when I do it online or call it, it isn't done and someone from the executive team always has to reach out to me. I am just wanting a credit limit increase. That is all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield says I owe {$830.00} I reached out to this people and asked for a signed contract with my signature on it they could not provide that. Placed for collection XX/XX/XXXX17

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Since XXXX XXXX XXXX  I did many calls to XXXX XXXX XXXXXXXX XXXX , about the rest of the money that I have in my XXXX XXXX XXXX XXXX, because they close me the account that I open by online, because seems something was wrong. They sent me deferents emails that I did something that I wasn't. Then, when I tried to sing in in the account, the system automatic put deferents numbers of phone, and they weren't mine either. It seemed to me that it was like a fraud, so by many calls they decided to send the rest of my money by check. Then I found out that the didn't send it, I complain again and finally the send it on XX/XX/XXXX according to email received on XX/XX/XXXX NoReply   Subject : " Checks have been mailed to the Recipient/Employee '' Dear XXXX , Your payment has been successfully issued and checks have been mailed. Below you will find the transaction details regarding your check. 
Check Amount : XXXX Check Date:XXXX XXXX I still waiting for this check, they told me with my last complaint that is the only information that they can see in the system. Their phone is back the card : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This dispute is for an account balance via XXXXXXXX XXXX XXXXXXXX credit union with a balance of {$230.00} that has been paid in full please remove from my 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 2021-10-11
Company: Freedom Mortgage Company
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I did agreement with the mortgage company to skip three months of mortgage with the amount of {$2700.00} Each total {$8300.00}. XX/XX/2020 XX/XX/2020 XX/XX/2020 the agreement is I will pay those three payments when I refinance my house or sell my house they put a Lean on my title Our agreement not to report me to the credit report as a delinquent they did I had to go through XXXX with them to remove the delinquent and they did fix it Im trying to refinance my home they violated the law with a written request to give me my payoff and timely matter then I find out the three payments Being five or six payments equals XXXX some change they deleted my refinance so I could stay with them and pay high interest rate they gave me a full speed off about that three payments I escaped and Im still battling with them they dont wan na listen

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