BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My name is XXXX XXXX. I am a XXXX XXXX currently in XXXX in XXXX XXXX XXXX, UT. This past XXXX I had made the decision to pay the minimum payment for my student loans. Prior to this I had consistently over paid ( to pay down interest/principle ) w/ a great overall credit score to reflect this ( mid 700 's at that time ). In XXXX I had decided to lower my payment ( to minimum payment due ) to increase my liquidity given the Covid-19 pandemic. At that point, I had several colleagues who were furloughed  and or asked to take pay cuts. I was more or less trying to plan ahead for an unfortunate event like this. To my surprise, my credit score would drop by 55+ points ( XXXX and equifax ) secondary to my loans accruing slightly ( some by less than {$20.00} ). Obviously, I had no idea this was possible or I would have over paid like every other payment. The following month, the government decided to provide for loan deferments to specifically address this problem. I would like to file a formal complaint in that this situation/event should have been prevented and by no means have dropped my credit score so drastically ( if at all ) especially during a global pandemic. To make  matters worse, I am a XXXX XXXX XXXX   putting myself at increased exposure during this pandemic to find that there are little protections against a practice like this. This has been made more frustrating by the fact that I am actively trying to purchase my first home and no longer qualify for most XXXX  loans secondary to my change in credit score. By simply trying to do the " smart thing '' and " plan ahead '' I am no longer able to achieve milestones in my life that would have otherwise been easy to achieve. I have had discussions w/ my student loan servicer ( XXXX ) as well as the reporting agencies. I've been told that as long as the information is in fact correct ( that my loans did increase slightly ) that there is nothing they can do for me. Hence, the reasoning for my formal complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Nations Info Corp
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Your credit score and more advertised a Free Credit score and wanted your credit card to verify you were a real person. They said you would not be charged and it was absolutely free. The web site is yourscoreandmore.com. The phone number is XXXX XXXX XXXX. They charged my credit card XXXX and then a week later XXXX. I got no value for any of this not even a credit score. They stole my money and will not refund it. I have called them and written them. I reported this to Consumer Reports. I still do not have my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2022-12-21
Company: American First Finance, Inc.
State: VA
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 an account on my credit report that is not mine I have never done business with this company. They have stole my information. My daughter opened an account with them and they are acting as if I own the account. She and I have had a joint account in the past and I feel they stole my information cause I had the best credit. They are reporting a late payment that has dropped my score XXXX points and I cant get them to do anything about it its not my account. I have never or will ever do business with them. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'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 non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX XXXX Balance : {$170.00} XXXX XXXX Balance XXXX {$160.00} XXXX XXXX Balance : {$2600.00} 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 explanation
Consumer complaint received 2023-01-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
XXXX and later PHH, stalled my progress in selling my late mother 's property in many ways and they took money. First, by stating that they did not receive the forms proving that I was the executor of the estate. I had sent in the documents to the company the day after probate court granted me full executorship. They kept telling me that they had not received the forms for about three months, even though I had submitted them the form multiple times. They finally admitted that they had it in their files since my first submission. 

Secondly, my whole experience in dealing with these companies was filled of long phone holds. They also would hang up on me. They provided no support and stopped me from completing the necessary actions that they required of me. At some point, PHH lied to me stating that they had sold my case. They stated that both on the phone and through mail. However, within a month of me asking questions, they acted like they never made that statement. 

Third, they jacked up the prices of reverse mortgage tremendously after my mother had passed Looking back in our files, I noticed that " Original Line-of-Credit Reserve '' that has the amount of {$15000.00}. XXXX and " +Growth of Line-of-Credit '' that has the amount {$13000.00} only appears on the XXXX  Monthly Reverse Mortgage Statement. I want to bring in to question why and gain an explanation. They also added " Current Principal Limit to the Mortgage Statements around XXXX. All these changes have not been explained. I suspect that the jack up in price is from the company spending money. 

Fourth, they kept checking on me to see if I still lived there on the property even though they knew I was in the middle of probate, selling the house, and they could just call my phone. They stated that they did these unnecessary check-ins 8 times and each time cost me {$20.00}. 

Fifth, then the appraiser that the company provided to look over the property, looked over the wrong flat map of the house across the street. Resulting in the wrong price to the house. I should not pay for the appraisal. The appraisal cost about {$700.00}. 

Sixth, they added " Corporate Advance '' and " Outstanding Fees '' for me to pay. It added up to about {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was told to report the fraud to either yous or the local police department

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: National Credit Systems,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 company is claiming that I owe a debt, but I have never had a relationship with NATIONAL CREDIT SYSTEM. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent the first letter on XX/XX/XXXX, and the second letter on XX/XX/XXXX requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that NATIONAL CREDIT SYSTEM received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. Also, how is XXXX reporting that this has been a collection since XX/XX/XXXX, but XXXX and XXXX have no record of this? This is violating so many FCRA and FDCPA requirements. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Attached are scanned copies of the five Zero Coupon Certificates which my father bought years ago for my daughter 's college education. He died before he gave them to me. After Mom died, I found them in a box of Dad 's stuff. Neither Mom nor I knew that he had these. For the past three years I have been trying to cash them. But no one at Wells Fargo will honor them. According to several former employees of XXXX XXXX XXXX  ( which Wells Fargo bought out ) these are checks and records were not kept on their sale. I was told that there is no way anyone could have gotten the money because the original checks were required to cash these in. I realize that in the early XX/XX/XXXXXXXX XXXX someone at Wells Fargo might have known what these are. But now no one seems to remember Zero Coupon Certificates. The five Certificates total {$30000.00}. In XX/XX/XXXX my father purchased one Zero Coupon Certificate in the amount of {$5000.00}. in my name as custodian for my daughter. The funds were to mature on XX/XX/XXXX.In XX/XX/XXXX my father purchased four more Zero Coupon Certificates in my name as custodian. One coupon was to mature each year for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The plan was to provide college money of {$7500.00} per year. Grand total of {$30000.00}. My father died XXXX XX/XX/XXXX, without telling the family about these Zero Coupon Certificates.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'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 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 non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2021-06-03
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this is my 2nd time reporting this company within the last month. please reference CFPB XXXX XXXX. : XXXX i have sent multiple certified letters to validate this debt. they have yet to prove the 5 points required under 15 USC 1692G. in the previous complaint that i have submitted. They stated they gave documentation and they didnt. They gave the CFPB documents that i never received. I have upload all the evidence that shows they violated my rights as a consumer and natural person. they haven't rebutted my affidavit of Facts or answered my debt Validation. all they sent was a " retail contract '' that they cant prove was me. they claimed they " lend '' me money but no where in 15 USC and from congress that they define the word lender. I have also requested pursant to GAAP that they prove money left their " account '' if they claim to gave me and havent receive any response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'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 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 non-monetary relief
Consumer complaint received 2020-11-07
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closed my XXXX credit card through XXXX  as well as my Amazon card without warning and without cause. I've been paying off all of my purchases, no late payments ever. Synchrony has also blocked access to my rewards balance, which is around {$360.00}. They are essentially stealing this money. 

The net effect has been a huge hit to my credit score. By lowering scores and closing accounts, they've cost my credit score 35+ points. Then they're pointing at that drop as evidence. The only changes on my credit sore are related to Synchrony Bank. I've recently paid off all my other cards and am in good standing with zero missed payments on any card. 

I use this XXXX card to make purchases for my company, which saves 10 % in total cost. We use the Amazon card to save 5 % on household purchases. If their rationale for closure of the XXXX card is that I reported an income increase -- that's because I did have an income increase. It seems they are discriminating against me based on faulty assumptions of my income.

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 2023-03-03
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:
This is my 1st endeavor 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 alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX  XXXX Balance : {$780.00} U S DEPT OF EDXXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXXF Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2020-06-03
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: Public record information inaccurate

Complaint:
XXXX  did send me any information on how they verified the information i disputed. XXXX is not accepted as vitrifaction who did you speak with. the name and email of the person you talk to for the investigation ... .. THERE WAS NOT AN INVESTIGATION MADE ON MY DISPUTE ... XXXX I WANT TO SEE PROOF I WROTE A LETTER TO THE ACTUAL COURT THEY DO NOT REPORT TO THE CREDIT BUREAU ... Iam GOING TO FILE LEGAL ACTION AGAINST THIS CASE IF MATTER IS NOT RESOLVED

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