BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Name is XXXX XXXX, and I have been trying to get a loan modification plan with Union Bank. My wife XXXX XXXX lost her job back before XX/XX/XXXX, and we were unable to pay. Right then we kept in close contact with the lender Union Bank for a loan modification to catch up on our payments. Right from that point we were told they could not accept our income and we could not understand why. Fast forward to XXXX we re applied again sending all the proper documentation they needed to get our file done in a timely manner, even taking time off my work to send faxes and gather the documents. 
XXXX XXXX the Underwriter over my file spoke to me since the other representatives were unable to give us an answer as to why we are being decriminiated against on our income. XXXX XXXX then went forward and stated to resend documentation of income during the Covid19 pandemic, and we did so. A few weeks later again they descriminiated against my income since I work both in the state of XXXX, and XXXX. She stated that the income willnot be accepted. We do not know why this income is nit acceptable when the income is valid. My wife started a new job and also presented her income offer letter and this was still not accepted. XXXX XXXX keeps stating we do not live in the home, in which we do live there. I work in and out of the state and own NO OTHER PROPERTIES. We love our home and we live in our home, and we just need assistance with getting a loan modification to save our home. XXXX XXXX told us that our home will go to foreclosure XX/XX/XXXX. We sent XXXX XXXX a full breakdown on the funds we have to come in with to start the process and still she denied us based on the fact I work both in and out of XXXX. This is desparate treatment and overt descrimination against my income, and I need help. Please Help us we want to save our home.

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 2020-07-01
Company: EQUIFAX, 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX {$170.00} XXXX  XXXX {$300.00} XXXX  XXXX {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been disputing an item on my credit report. An account by XXXX XXXX is incorrectly on my credit report. I sent a cease and desist letter by certified mail to XXXX XXXX on XX/XX/2021 to have them stop harassing me with phone calls and unwanted communications and they keep calling. I never gave them permission to place any of my personal information to the credit reporting agencies. I have asked them to provide proof of me ever giving permission to have them sell my information and they have failed at that. I have contacted XXXX, XXXX and Transunion about a fraudulent account on my credit report and they have all failed to do their jobs which they are required to do under the FCRA. I submitted an FTC report and 2 forms of identification and they have failed to block this illegal account. I am filing this complaint against XXXX XXXX XXXX XXXX for Account XXXX. I am filing this complaint against XXXX, XXXX and Transunion for not blocking this information from my credit report. I submitted this information to them over 30 days ago. It was sent on XX/XX/2021 and no action has been taken. Very illegal!

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 2023-12-02
Company: Nelnet, Inc.
State: TX
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY INFORMATION TO OPEN SEVERAL STUDENT LOAN ACCOUNTS IN MY NAME US DEPARTMENT OF EDUCAION/ # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: LEXISNEXIS
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've been trying to get my information updated and correct as far a my address is concerned and in getting nowhere with these companies. I'm enclosing my identification and social so that this information be accurate and up to date on all of my consumer reports. The only address that's valid up to date, and accurate is the address in my drivers license. None others are mine or have belonged to methat should be on any consider report is the address on my drivers license. The other address pictures below should be removed as well as any other addresses on my record. They do not and have not belonged to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XXXX I left my home and began a XXXX. I didnt receive a letter sent to me from XXXX XXXX about my debt with TD Bank . I thought I had a payment plan with XXXX XXXX. On XX/XX/XXXX, XXXX froze my account and took my childs savings which is all we had. I am now on food stamps. I cant afford the payment plan they gave me on XXXX and they wouldnt work with me. I need help. I am going to have to close my checking accounts because I have other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX 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 2022-12-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made an electronic payment to my credit card account of XXXX dollars on XX/XX/2022 using the same information that I have been using for literally years. The payment was never posted to my account. 
When I inquired Comenity bank I was told the payment was made to an old/outdated account number. Apparently, my c/c account was taken over a few years prior and I was issued a new account number that I was not aware of. 
I was making payments to an account number that was originally issued to me and when the bank took over my account and my account number changed their system was still " able to find me '' using my original account number. It was only after their systems updated when I made the payment as usual and the system " did not find me ''. So the payment is " lost ''. They did a system overhaul beginning XX/XX/2022 that is what caused all these problems. 
On XXXX 2022 I called in and gave the customer service rep all the information they needed to find the electronic payment. I was told it can take up to 60 days to resolve and it was a simple issue of " finding '' the payment. I was told it happens all the time and I will be contacted when this issue gets resolved. I was never contacted by the " dispute department '' or there is no way to contact them directly. 
On XX/XX/XXXX, I made yet another follow up call to get the status of my claim. I was then told I needed to submit the missing/lost payment information in a document from the bank. I did that and then they started the claim all over again. Like new claim. 
To make a long story short, it is now 5 months later with no end in sight. 
I was also told, in writing, that I did not need to make any payments for the amount in dispute or I would not be charged interest. Both of those statements are false. I have been charged interest and received emails demanding payment for the balance in question. 
I was told in confidence from a customer service rep that their are so many disputes because of their system overhaul in XXXX, that they are overwhelmed and under staffed and can not keep up with all the complaints. 
It is now over 5 months since I opened the original " dispute ''. I have been countless phone calls and numerous email messages to these people. At least XXXX phone calls and at least XXXX emails. I have yet to be contacted by the dispute department other than a standard cover letter explaining the procedure. There is no claim or reference number to this dispute. I was told they use my phone number/ c/c number for their reference. 
I am so frustrated with the lack of progress or communication from these people. I feel like a victim of some type of scheme. I would have never expected this king of issue from a large financial institution. 
Can someone please help me? Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and it's been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: DE
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:
There were modifications made to this account When in fact it should be blocked from my account. They have failed to block this information from my account. The account is coming back verified but When I sent in a letter check for verifying this information there were modifications made from my own XXXX Which indicated to me there company isn't being honest and just updating the information " AS VERIFIED '' this account is FRUAD, there's no truth to these 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 2023-12-02
Company: Experian Information Solutions Inc.
State: CA
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:
FOR THE PAST FEW YEARS NOW I HAVE BEEN NOTICING FRAUDLENT ACCOUNTS AND INQUIRES ON MY CREDIT. WHEN REPORTING THE FRAUDLENT ACCOUNTS ON FTC WEBSITE IT STATES THAT PER 605B THE ACCOUNTS AND INQUIRES NEED TO BE BLOCKED.

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 2023-03-22
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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXX/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 non-monetary relief
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: AZ
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 received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX stating " on XX/XX/XXXX we sent a report to the credit reporting agencies to remove delinquent payment information from XXXX, XXXX and XX/XX/XXXX ''. I applied for a home refinancing on XX/XX/XXXX with XXXX XXXX XXXX and was denied credit due to credit score below 600 and a report of past due mortgage from XXXX for XXXX, XXXX XX/XX/XXXX from the three credit reposrting agencies, Experian, XXXX and XXXX .Please see letter from XXXX Mortgage from XX/XX/XXXX and letter with negative credit report received from 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 2023-12-02
Company: Experian Information Solutions Inc.
State: GA
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 have asked the CRAs to verify these accounts and they did not provide any documentation or proof. I have provided numerous police reports, proofs, and verification. They did not contact me nor did they verify it with me, the consumer. 

Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.

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 2023-12-02
Company: Affirm Holdings, Inc
State: TX
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:
was going over my credit report and noticed this account : Account Name AFFIRM INC Account Number XXXX reporting an account sent to collection in the amount of {$210.00}. This account does not belong to me nor am I familiar with the company AFFIRM. I believe this account is falsely reported due to the following facts : The account shows it was opened XX/XX/XXXX for the amount of {$840.00}. However, the account is only reporting since XX/XX/XXXX an amount due of {$210.00}. The data also shows a payment of {$110.00} was made in XX/XX/XXXX, but the balance did not go down in XX/XX/XXXX. The data then again states that a payment of {$0.00} was made XX/XX/XXXX. Was a payment for {$110.00} made on this account or not? The original balance for the account is misleading. Because it clearly shows two completely different amounts in the original balance, discrepancies in the payment amount made and when, and because i know that this it is incorrectly and falsely reported to my credit because of the fact that it is not my account, this must be removed from my report immediately. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Via Fax XXXX Re : Claim Number : XXXX Account ending in : XXXX Amount : {$2100.00} To whom it may concern : On XX/XX/XXXX, my account was fraudulently hacked via a funds transfer in the amount of - {$2500.00}. I filed a claim, and on XX/XX/XXXX Bank of America issued an adjustment credit in the amount of XXXX. I was issued a new card, never used the card, and on XX/XX/XXXX my account was again fraudulently hacked via a funds transfer in the amount of - {$2100.00}. 

On XX/XX/XXXX, I subsequently received a Notice of Data Breach from XXXX XXXX of which I previously used the card ending in XXXX, stating that this event may impact the security of certain customer information ( See attached ). 

As a result, I filed several claims to have an adjustment credit and its been seven months and I am still waiting for my credit for XXXX. 

Please issue my credit at your earliest convenience. Thanks, I appreciate it Very truly yours, XXXX XXXX : XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Enclosures XXXX XXXX Notice XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: TX
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:
was going over my credit report and noticed this account : Account Name XXXX XXXXXXXX Account Number XXXX reporting an account sent to collection in the amount of {$210.00}. This account does not belong to me nor am I familiar with the company XXXX. I believe this account is falsely reported due to the following facts : The account shows it was opened XX/XX/XXXX for the amount of {$840.00}. However, the account is only reporting since XX/XX/XXXX an amount due of {$210.00}. The data also shows a payment of {$110.00} was made in XX/XX/XXXX, but the balance did not go down in XX/XX/XXXX. The data then again states that a payment of {$0.00} was made XX/XX/XXXX. Was a payment for {$110.00} made on this account or not? The original balance for the account is misleading. Because it clearly shows two completely different amounts in the original balance, discrepancies in the payment amount made and when, and because i know that this it is incorrectly and falsely reported to my credit because of the fact that it is not my account, this must be removed from my report immediately. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans.

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 2023-07-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX ACCOUNT IS INACCURATE REPORT IN MY CREDIT AND SHALL DELETE. 
ACCOUNT NUMBER : XXXX WITH A BALNACE OF {$27000.00} SHALL DELETE FROM MY CREDIT REPORT DUE TO FRAUD AND INACCURATE. 
THIS ACCOUNT IS CHARGED OFF AND I REQUEST THE WIT DOCUMENTS SIGNATURE AND WHY COLLECTIONS KEEP CALLING ME. 
THIS ACCOUNT SHALL DELETE FROM 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 explanation
Consumer complaint received 2021-10-21
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and it's been over 30 days and I haven't received any investigation results.

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 2023-12-02
Company: Velocity Portfolio Group
State: MD
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 am in process of purchasing a home and have found multiple accounts under my name that I had no knowledge of. I did have to get my bank account updated several times due to identity theft. After denying the said accounts, the companies not only not provide accurate information proving the account to be mine, but failed to show investigation evidence of doing so. This is defamation of character.

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