BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
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:
I applied for a home mortgage today at 2 banks ( XXXX XXXX  and XXXX XXXX ) and was denied. I found out from XXXX XXXX XXXX  that the reason was my low credit score XXXX, which they obtained from TransUnion. Prior to applying for the mortgage loan, on the same day, I checked my credit scores from 3 credit reporting agencies ( TransUnion, XXXX, and XXXX  ). From TransUnion, my credit score was XXXX. 

I called TransUnion and asked about the the discrepancy and was told that the problem is likely the third party company, XXXX XXXX XXXX ( XXXX XXXX XXXX, that reported my credit score to the bank. So I called XXXX  XXXX and after a very extensive hold, I was told by a customer service agent that the the score came from XXXX  XXXX XXXX XXXX XXXX, and there was nothing for them to fix. I then contacted XXXX XXXX about the discrepancy and was told that there was nothing that they can do and I needed to resolve the credit score discrepancy for any reconsideration of a mortgage loan and will need to submit another application. 

Attached are my credit score from TransUnion website, which I had to pay $ XXXX/month subscription to obtain the credit score, indicating XXXX score and a letter from XXXX XXXX XXXX which I was able to electronically obtain, showing XXXX score and TransUnion as the source of the info. The letter also states XXXX XXXX as another credit info source.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-03-07
Company: EQUIFAX, 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 noticed unauthorized inquiries on my report and contacted the credit bureaus to state that I believe someone applied for something in your name. 

I informed them that according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed from my credit report. 

I informed them that I filed a report stating that the items were fraudulent. 

After multiple requests, the credit bureau has not removed the hard inquiries from my report. 

Additionally, there is a fraudulent motor vehicle loan account from XXXX on my credit report. The same scenario has applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: MI
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 item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. In additional, I have sent letters to 3 bureaus however I haven't receive any response from them. I am questioning the capabilities of the bureaus on their investigation. Please do something on this! 
XXXX XXXX XXXX Balance {$0.00}

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 2023-03-07
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collections showed up on my credit report from Credit Collection Services for charges to XXXX. 
From XXXX : shows {$300.00}. 
From XXXX : shows {$500.00}. 
From XXXX : shows {$500.00}. 
All show date opened as XX/XX/XXXX. I check my reports faithfully ( at least once a week ) and this suddenly appeared on XX/XX/XXXX. I have filed disputes with all 3 companies. Today I received a collection letter in the mail from Credit Collection Services dated XX/XX/XXXX saying I owe {$500.00} for XXXX account # XXXX ( see attached ). I also received a voicemail from XXXX. When I called the number on my voicemail and told him ( XXXX XXXX about the letter I received, his response was for me to " burn it ''. I have voice recordings of the conversations with XXXX from XXXX ( see attached ). I just want this resolved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My original mortgage was through Americas Wholesale Lenders a subsidiary of Countrywide Home Loans and was a predatory loan. I purchased my home in XX/XX/XXXX with a jumbo loan from for {$610000.00} with XXXX down and 100 % financing on a 30 year ARM with a 8.5 % interest rate on a first and second mortgage.Bank of America acquired Countrywide. I initially fell behind on payments when I was displaced from my XXXX job in XXXX as my position was eliminated as a reduction in force. I was forced to file bankruptcy in XXXX. After my discharge, Bank of America offered a loan modification instead of foreclosure. I submitted multiple packages for the next two years yet they never actually modified the loan. Shortly, thereafter Bank of America was made to settle on these loans they acquired. I was included in the class action and received several payments including the loans being forgiven. Bank of America forgave the loans. I received a letter from ReconTrust stating the loan was satisfied which I verified with Bank of America. I didn't have any more contact with Bank of America. Six years later XXXX XXXX XXXX XXXX XXXX uses a fraudulent notary document to assign the deed so they can try to foreclose. XXXX XXXX XXXX XXXX XXXX is a subsidiary of Bank of America. The notary on the document XXXX XXXX is a suspected robo-signer on several websites helping Bank of America to illegally foreclose on home loans. He is currently incarcerated for fraud, and the notary itself does not exist. I have the certificate of non fact filing from XXXX XXXX County Recorder of Deeds. I have written to DC Recorder of Deeds several times and never got a response. I have spoken with several representatives at DC Recorder of Deeds and their position is that if the document is notarized and " looks '' legitimate it is accepted. They have stated to me that they do not verify the authenticity of the documents or their validity. I asked would they reverse the filing and was told a resounding No. XXXX XXXX XXXX XXXX XXXX is attempting to foreclose on my home due to a predatory loan. They took money from me after I filed bankruptcy to do a Trial Payment Plan only to move forward with a foreclosure sale anyway which violates bankruptcy laws. They stated that my income isn't enough to qualify for a modification but the loan was predatory in nature and was more than I could afford from the beginning and they knew 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 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 forwarded a letter to Transunion XX/XX/XXXX. I ask to verify compliance with their reporting due to inaccurate items being reported on my credit report. 
Their investigation concluded that the items were factual and remained on my credit report. They also are reporting an address I never resided at and a number of my ex girlfriend on my report. 
The item : XXXX XXXX XXXX # XXXX is being reporting inaccurately stating that it was a charge off in XX/XX/XXXX. It also states that in was included in a bankruptcy XXXX and date closed being XX/XX/XXXX and in remarks that it was purchased by another lender which all contradicts themselves. The pay status, closed date, and remarks are inaccurate. 
The item : XXXX  # XXXX is being reported inaccurately stating that it was closed XX/XX/XXXX. Also this account states in remarks Chapter XXXX bankruptcy in the same year as the above account comes off the report 3 months prior to the account above. Two different Bankruptcies reporting in the same! Dated closed is inaccurate. The pay status states included in bankruptcy as well. The pay status, date closed and remarks are all inaccurate. 
I also included a copy of my letter I sent to Transunion on XX/XX/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 2020-06-17
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Td credit card co. Reported false info. To the credit bureau. They said I missed two months of payment which. I havent. I was late. On payment. And the women I spoke to at td indicated this shouldnt of happened. My. Credit score dropped almost 200 point. Please rectify this. ASAP thank you Im trying to refinance my home and this is really hindering me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24
Company: ORG GC GP Buyer, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. Or a 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 2022-07-23
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX, I tried to use my debit card, was declined. PNC closed my checking account without notice. Was given no explanation ( I understand now they don't have to ) I've called, chatted and visited two branches and constantly was told, rather rudely, that they can terminate any time without reason I have banked with them for decades, always maintained a substantial balance, never bounced a check, used my debit card almost daily. I also have about ten accounts linked that uses auto pay to debit my account. Most importantly, I get direct deposit every month, that I pay bills and live off of. I was told the direct deposit would be returned to sender. Sender was not able to stop the direct deposit, as there was not enough time and I was told it could take up to XXXX months to reissue. I can not pay important bills, etc.. 

Also, as I only had XXXX business day to try to rearrange my whole financial life, redirecting debits to another account, XXXX debits posted for XXXX and XXXX dollars ( and some change ) I was charged {$36.00} service fee each. I don't know how many other things will post. I've been working feverishly to try to update different accounts, etc. My direct deposit I was told will be sent back to sender, at which point they wll have to reissue. It could take up to two months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I called the company many times, and tell them to fix the amount on my current balance because is inaccurate and incorrect. It shows on my credit report as {$1200.00} and I only owe {$360.00} they said they cant do it, with our giving me an explanation. 
On XX/XX/2021 I submitted a dispute with XXXX and I was notified that the company states that information on balance in accurate. 
Today is XX/XX/2021, They are not correct and they are giving me a lot of problems because is damaging my credit score with false information.

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 2020-06-17
Company: WELLS FARGO & COMPANY
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 is missing that should be on the report

Complaint:
I am in the process of obtaining a loan for some agricultural land. My credit report shows a lower than expected score. When I contacted TransUnion we discovered that the only problem seems to be that my payments had not been reported for my loan with Wells Fargo Auto since XXXX. Since there was no activity the credit score was lowered. I had been making large payments to Wells Fargo Auto to pay off the truck early. I was down to less than {$1000.00} to pay off the truck this morning. The problem may be related to the pandemic so I understand. But it is going to hurt me with a loan product.

I need a lower score to get a lower interest rate. I called Wells Fargo Auto and they confirmed what their online site had indicated. It indicated I had paid down the loan. 
I asked for help reporting my payments to the credit reporting agencies and they responded it could be 6 months before they report the payments. So for 6 months my credit will continue to fall lower. Any loan products I need will be at a greater cost to me. 

This morning I paid the payoff from Wells Fargo Auto, but I assume it will take a day to show the payment as being paid off. I have copies of this information but TransUnion reported I must get Wells Fargo Auto to help. Catch 22.

Can you help? It seems that Wells Fargo had some problems in the past. This problem may be hurting others like 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 2021-09-05
Company: EQUIFAX, INC.
State: MT
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:
A fraudulent account was opened with XXXX in 2019 using my information obtained via identity theft. XXXX closed the account. Equifax refuses to remove the fraudulent inquiry. They continue telling me identity theft inquiries are a " factual record. '' Pleade make Equifax STOP HELPING IDENTITY THIEVES. I have a police report on file with XXXX Police Department and XXXX XXXX down the fraudulent account almost 2 years ago. Equifax is aiding and abetting identity theft. I've disputed it MULTIPLE times informing them of identity theft each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: ALLY FINANCIAL INC.
State: WI
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 tried on 3 separate occasions to have Ally Financial XXXX report the correct information to the credit bureaus regarding having the correct balance reflected as well as being current in my payments. Every time I have called, I have spoken to someone in the XXXX and each time I've tried to resolve my issues, they apologize, put me on hold and tell me the same things every time. " We will submit an email regarding the information you requested. It can take up to 45 days. '' It's been about 2 months now and there has been no updates on any of my requests, no changes in the credit bureaus, I haven't been contacted by anyone from Ally, and what's most disturbing, is that when I asked the very first person to please report to the credit bureaus my current information, she had to put me on hold and ask someone if they do that!!! Today, I immediately asked to speak to someone in the United States. She said okay and to wait while she tried to connect me to someone. After about 3 minutes, she came back on the phone and said that " unfortunately, they are closed '' today is Wednesday. The time in my state at the time I requested to speak to someone here in the United States, was around XXXX XXXX central time! It's not a holiday and no banks or most businesses are EVER closed during these ( particular ) times in the US!

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 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid and mailed my Cap 1 Mastercard bill of {$76.00} on or about XX/XX/XXXX. I used check XXXX ( check copy attached ). I got an email on XXXX that my payment was late. An online check revealed that CP 1 had charged me a {$25.00} late fee and {$21.00} in interest for a total of {$46.00}. I tried calling that day but the voice recording said their offices were closed ( note : I live in Hawaii so there is a time zone difference ). I called CP1 on XX/XX/XXXX and rep. XXXX told me that they had only gotten the check today. I asked if they could waive all fees and interest and XXXX   told me they could only waive the late fee of {$25.00}.

I paid the bill on time and there is no indication that it was lost in the mail and for all I know the check could have been on a pile or misplaced at CP1. I have never been late before and it does not seem fair to have to pay {$21.00} interest on a balance due of {$76.00}, Capital One should reverse all charges ( {$46.00} ) as they did receive the payment, which was mailed on time. Additionally, I am a customer in good standing and never late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Beginning XX/XX/XXXX there were some fraudulent transactions on my accounts in the amount of XXXX Its taken BOA over 90 days and I still do not have my refund yet I have been calling every 3 days to get an update since my account has been frozen and under investigation and each time I speak to a Representative or Manager am told they are working on the investigation and different dates have been given to for the issue to be resolved and I still have not received my refund as of today XX/XX/23

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 2022-07-23
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation