BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 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 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 XXXXXXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX XXXX XXXX  is reporting derogatory information onto my account. I am hereby asking XXXX XXXX XXXX  to cease and desist in regards to this account. This notice is Pursuant to my federally protected rights. 15 USC 1692 ( c ) ( c ) Ceasing communication with the consumer. It says If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. A form of communication regarding the alleged debt is my consumer report which is directly affecting my credit worthiness. Please see the attached letter for full details.

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 2023-01-24
Company: Lendmark Financial Services
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX lendmark financial contacts me and informed me that none of the electronic checks they have turned in have not been paid and they have already destroyed my credit and were threatening to sue me, so I contacted my bank to inquire if they had been paid my bank statement reflected payment to them when they turned it in on the correct date they were not paid on some dates because they failed to turn in to my bank and want me to pay for it that's not going to happen I have retained a attorney and going to file breech of contract with courts they're also charging me XXXX different interests rates is that legal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: In progress
Consumer complaint received 2020-01-09
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
After filing complaints i would get email notices claiming that they were going to work with me and all i need was to provide proof of income for ninety days and it has to be enough to support the loan. I submitted information timely and they result is the same. I cant get in contact with mr coopers liaison specified on the paperwork. XXXX XXXX assistant vice president of loss mitigation assured me this would not happen because the reasons prior for the modification denials ( they lost paper work, wanted update award letter of food stamps even though the letter stated it was a SIX MONTH BENIFIT and the dedicated email address XXXX was not receiving ignoring or deleting vital emails??? ) was that i didnt have income and my income had definitely changed. The irony to all this isni went with this with another assitant vice president XXXX XXXX who had the same talking points. So we have a blatant pattern or manipulation and misinformation. My family had be hounded with threee to four phone calls a day and most times its AFTER i lve talked with a representative. I have no choice but to file chapter XXXX bankruptcy even though the VA assured me that Mr cooper would work with me and nothing has happened at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing to dispute the charge-off status of an account and unauthorized inquiries on my credit report, which has been designated as such due to fraudulent activity. I have recently discovered that this account was compromised, leading to unauthorized transactions and late payments that were not initiated by me. I am providing the details below for your review and necessary action. 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX Inquiry Date XXXXXXXX PLEASE DELETE!!! 
XXXX Inquiry Date XX/XX/ - PLEASE DELETE!!! 
XXXX Inquiry Date XX/XX/23 - PLEASE DELETE!!! 
XXXX Inquiry Date XXXX  - PLEASE DELETE!!! 
XXXX XXXXXXXX Inquiry Date XX/XX/ -- PLEASE DELETE!!! 

Upon reviewing my credit report, I noticed that the above-mentioned accounts have been charged off, and I want to bring to your attention that the circumstances leading to the charge-off were a result of fraudulent activities. I did not authorize the transactions associated with this account, and I have taken immediate steps to report the fraudulent activity to the creditor. The same with unauthorized inquiries that remain on my report which I do not have knowledge of at all. 
I am requesting that you conduct a thorough investigation into this matter and update my credit report accordingly. Per the FCRA, I understand that you are required to investigate and respond within 30 days. I ask that you expedite this process given the urgency and the impact on my credit standing. 
If the investigation reveals that the late payments and charge-off status were a result of fraudulent activity, I request that you remove the negative information from my credit report and provide me with an updated and accurate credit 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 non-monetary relief
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XXXX Experian has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$12000.00} I believe it was reporting in error, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2018 I wrote the following to Ms. XXXX XXXX of Bank of America : My son and I visited you on Saturday, XX/XX/XXXX to close all BofA accounts. We were able to close Core Checking ( XXXX ) and Reward Savings ( XXXX ) but not XXXX because the various fraud departments were all closed on Saturday. As you promised, we were expecting that by Saturday, XX/XX/XXXX account XXXX would be closed per our request. Strangely, we have been trying to close all XXXX transactions, including the account since XX/XX/XXXX when we first spoke to XXXX XXXX, later to XXXX XXXX and then to numerous personnel at debit fraud, online fraud and check fraud. Could you please explain to me why this account ( XXXX ) is not closed yet. 

The reply from Ms. XXXX, almost minutes after I sent the email was, " I did call you last week and left you a message earlier today. Please call me or stop by at your earliest convenience so that we can discuss. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XXXX I placed a preorder for an item with XXXX company on my XXXX Between that time and when the payment was to be processed ( XXXX ) I had to get a new card due to someone getting a hold of it and starting to make false charges. Due to this I had a differing card number than back when I made the preorder. The XXXX company pushed the charge through from the old XXXX card to the new XXXX card. 

This preorder went through on XXXX for XXXX on my Synovus personal XXXX However, later in the week I cancelled this order with goodsmile company. They refunded that amount to the old XXXX number and not the new one. Upon contacting that company several times they suggested I contact the XXXX company. 

I've contacted the XXXX company now three times about this issue. Each time I'm told they 'find ' the refund and that they'll move the refund to my current account. That this issue would take 7-10 business days. Each time the 10 business days pass no refund to the charge appears. I call again and get the same runaround on how they 'found ' the refund and that it'll be another 7-10 business days to " process '' this credit to my current XXXX. This how now not happened twice and the third person is giving me the same song and dance. At this point the XXXX company will now be collecting interest on a charge that should not be listed or on my account without the corresponding refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: BB&T CORPORATION
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've requested multiple time through credit agencies to have account removed from credit report I have event sent over police report to show fraud. Starting in XX/XX/2018.

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 2023-09-29
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Case # XXXX. 
Today XX/XX/2023, I have spoken with an representative ( via phone ) from the XXXX XXXX XXXX XXXX 's department of Equifax LLC. A consumer reporting agency. 
The representative informed me that he would be denying my request to resubmit a dispute for the following accounts. 
XXXX XXXX acct. ending in XXXX, XXXX XXXX XXXX acct. ending in XXXX, XXXXXXXX XXXX acct. ending in XXXX, XXXX Bank acct. ending in XXXX, XXXX XXXX acct. ending in XXXX, XXXXXXXX XXXX  acct. ending in XXXX, XXXXXXXX XXXX acct. ending in XXXX, and XXXXXXXX XXXX acct. ending in XXXX. 
I requested that the rep immediately provide to me with the law that governs his authority to deny my consumer dispute request. And he didn't provide any. 
This adverse action against me! Has been done in Violation of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair Credit Billing Act. and State Laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: FREEDOM FINANCIAL NETWORK
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Since two years ago I have been on the debt relief program with Freedom Debt Relief, paying a fee for legal representation in case a debt escalates to a lawsuit. One of the enrolled debts escalated to a XXXX, on XX/XX/XXXX, I sent the summons to FDR and they confirmed by email they retained an attorney for me as part of their services, which I have been paying. I Signed a POA. The attorney never answered or appeared in court, and I got a XXXX XXXX XXXX  on XX/XX/XXXX, and the other party is asking for summary judgment. I have called FDR to ask why the atty did not anything and they are asking me for money to deposit in the account with then to send information to the law firm to take care of the case if I don't pay FDR they will not send the information to the Atty. I have explained the situation to several agents in FDR and they keep saying I need to pay FDR to send the info to the Atty. FDR prevailed me to retain another attorney because they offered me legal representation and they retained an attorney for my case as part of what I paid, and they did not do anything about my case. Now I am one step behind a summary judgement without legal represation cause FDR is kind of blackmailing me to make deposit more than I should. I consider this an scam and black mail. The debt is more than XXXX and the damage this situation can cause me is terrible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
Marcus did not have proper cyber security tools, practices, controls and operations in place because Marcus allowed my two Marcus Certificates of Deposit ( CDs ) to be drained ( {$100000.00} ) and Marcus closed my two Marcus CDs in XX/XX/2023 and REFUSED TO PAY ME THE INTEREST these CDs would earn had they not been BREACHED. MARCUS also made me pay the PENALTY for the CDs closing EVEN THOUGH MARCUS allowed the breach to occur. I want the penalty REMOVED and I want XXXX and XXXX interest earned on the two CDs. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Credit Service of Logan, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company was given to me by a broker to purchase a property. they approved me in XX/XX/2018 and still havent done the loan after I paid them XXXX for down payment and fees. Since they didnt fund the money i lost the sale of the property in XX/XX/2018. I gave them down payment money and money for all kinds of fees in the tune of XXXX, XXXX XXXX ,XXXX and more. I wired the money to an acct and was promised after the last fee i would get funded. 

But every time i came thru with the money they came up with another fee. Then in XXXX the EVP and CEO said no more fees after I pay this last one i would be funded. and guess what they asked for another fee from the investors. A commitment fee of XXXX. That was it, I was done, Now they wont give me my money back and are telling me I will only get back 53 % which is {$68000.00} and they are keeping XXXX and for what. and I wouldnt get it back for 6 months. Now i never was given a fee schedule upfront, nor was i told about any extra fees only a down payment in which I paid. 

I didnt get the loan and tried to cancel many times when they kept coming up with fees and all they would say is lets work together to get this money. I will help you. So they said they had people putting in money to help me and when i had the last part of XXXX in XXXX, i was told they gave some money back so i owe more. this was a total lie and scam. Theyhave made up so many fees and lies and I asked many times for this in writing and I never got it. And the CEO said no more fees and they did one more fee. Everytime i heard this actually 8 times. I have all the emails and text for the past 10 months that i can provide to you.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: AR
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 want to refinance my house, but mortgage banker informed me that my had some negative items on my credit report. I need theses items because they do not belong to me.

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 2020-09-18
Company: Metropolitan Home Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called and applied for a loan about 30 days ago. Have not heard from the loan officer about weather I could proceed with submitting documentation or denied the loan. 

He said my credit was top tier and I'd have to provide documentation. 

it's been a while since i last heard back from him and I got a phone call from the company soliciting to talk to another loan officer. I mentioned that I applied for the loan and wanted to get a call back from the gentlemen by the name of XXXX from Intelliloans. 

No response, no call back no letter of denial or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX and XXXX we tried to use the XXXX application. We were scamed by a scammer who enter our computer and we transferred around XXXX or XXXXXXXX XXXX  via XXXX and wired. We were not reimbursed, we are out the money. We tried to get Bank of America to get our money back, but it was gone. The scammer took it all. Who knows where it is now.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am writing this letter to request the removal of an inquiry that was made on my credit report without my prior knowledge or consent. The inquiry is affecting my credit score and my ability to obtain credit. 

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