BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This will make a negative effect on my credit transactions. That's why I want this to be taken care of.

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 2022-11-01
Company: EQUIFAX, INC.
State: MD
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 DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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  acct # XXXX opened on XX/XX/XXXX, amount XXXX XXXX XXXX  act # XXXX opened on XX/XX/XXXX amount XXXXXXXX XXXX XXXX XXXX  Act # XXXX XXXX XXXX Act # XXXX XXXX  act # XXXXXXXX XXXX XXXX ACT # 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 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 2023-11-02
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: MD
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 DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

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 2018-05-24
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I received a letter dated XX/XX/2018 from my bank, 'Bank Of The West ' informing me of changes that would be accessed to my checking accounts. According to the mailing the accounts will be converted from the status of free checking accounts to what they call their Any Deposit Checking account product. A {$10.00} monthly service charge will be assessed unless there is at least one deposit made into the account for the month. 
The letter also states, that a {$3.00} monthly statement fee will be assessed for each paper statement that I receive during a monthly cycle. It lists several conditions of automatic waiver to this fee, of which I do not fall under any one of, or that I can avoid the fee by signing up for their Online Banking product. 

As far as their changing their free checking account product to a monthly fee account of {$10.00} per month, I guess I would have no say about if I choose to keep doing business with them, but I strongly disagree that I should be forced to have to enroll in Online Banking if I choose to receive my bank records, and statements and records in the mail, which I consider to be much more secure for my privacy, especially with the insecure nature of information and data breaches online. So, I believe that as a customer, I should be able to choose how I receive my monthly statements without being pressured to receive them one way or another.

Also, I think our mail carriers, as well as, many other blue collar jobs are under enough stress by the corporate world, along with decreased regulations, and escalating fees to customers in all sectors of finance and insurance, more and more everyday.

Thank you for any assistance you may provide.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to a dealership and they stole my information. I do not authorize this companies to pull out my credit report. All this HARD inquiries are fraudulent : 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

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 2022-11-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I did not use have the services since it was XXXX XXXX XXXX. I called to cancelled but was told it was not possible. I would asked to settle the debt for {$1000.00}. 

Account Ending In XXXX | Log In Get in touch with us, we'll help you through this Hi XXXX, A friendly reminder that your CARECREDIT/SYNCHRONY BANK account is past due. 
Current Balance Total Minimum Payment Due Past Due Amount Non-Past Due Amount {$3300.00} {$250.00} {$100.00} {$140.00} Due Now Due XX/XX/2022

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

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 2022-05-30
Company: Experian Information Solutions Inc.
State: TX
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:
n accordance with the Fair Credit Reporting XXXX XXXX XXXX in 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 had one open credit card with XXXX XXXXXXXX XXXX for which my online account was set up with automatic payments of the minimum payment monthly. In XXXX, XXXX, I was offered another credit card and a new account was opened and added to my existing account with auto pay. I didn't use this card at all for the first few months but was being charged a XXXX XXXX monthly fee. By XX/XX/XXXX, I got an alert that my payment was past due. When I contacted XXXX, they said that they made a business decision to do away with offering automatic payments for clients, but that those who had auto payments already established were grandfathered in. 

My new card was added to my existing online account and I under the impression that auto payments were also applied to my new card. I disputed this 30 day late notice on my credit report through experian, but it's still showing up on my credit reports as 30 days past due which has negatively impacted my ability to obtain a XXXX loan.

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 2022-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to a dealership and they stole my information. I do not authorize this companies to pull out my credit report. All this HARD inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX reported the credit agencies that I settled my account for a lesser amount owed. This authorization must be accompanied with a verbal approval or a signed Settlement Authorization Form. I did not approve either. I did not authiorize a third party to act on my behalf. Because my account was fradulently settled for a lesser amount, my credit score was tremendously affected negitivley. I have requested that XXXX XXXX provides me with the signed Settlement Authorization Form ; which they have failed to produce. Due to a third party acting on my behalf without my approval, this action by law is identity theft. XXXX XXXX XXXX also reported to the credit agencies, that the XXXXXXXX XXXX  payment was late ; which is false. It is also being reported that the accout was paid in full on XX/XX/2022. One has to be false ; which results in the removal of the account by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I keep getting hard inquiries on my credit report for the past year. Last time I looked there was something like 30 of them on all three credit reporting agencies and they tell me you can not dispute it. They are not mine and I would like them all removed immediately.

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 2021-08-27
Company: SYNCHRONY FINANCIAL
State: CA
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:
This complaint is regarding XXXX XXXX 's ASHLEY FURNITURE XXXX / SYNCB account ending XXXX. 
On XX/XX/2021 around XXXX PST. I called ASHLEY FURNITURE XXXX / SYNCB customer service due an unexpected balance of {$40.00} late fee appeared in my account posted since XX/XX/2021 I wasn't expecting this since I already made the payment on my account for amount of {$87.00} on XX/XX/2021 & another {$87.00} onXX/XX/2021. I was expecting that my account will be up to date. I have ask the CSR to help me out to waive the fee of {$40.00} but declined to do so. The account representative told me that he can not waive the fee and has no means of information or access to waive it. 
I then asked to be transferred to the account manager who I believe has more access to grant my request. However, the CSR told me that the manager will say the same thing and can not anymore help me out to waive the late fee of {$40.00}. 
Wow, really, seriously, for {$40.00}? As a long time customer who is asking for your help to waive this fee has been strongly denied to be help out. I have been patiently paying my debt in ASHLEY FURNITURE XXXX / SYNCB even though the I find the minimum charge on this account is so high compared to other minimum monthly payment that other credit card company is asking and aside from that, synchrony bank has been changing their minimum monthly payment amount without a notice. I mean, there should be at least a written notice from ASHLEY FURNITURE XXXX / SYNCB that consumer will expect this kind of amount to be the minimum charge on the upcoming month and so forth. 
Is this one of your scheme not to inform your customer that your monthly minimum charge will go up so that you can just boom charge us with late fee? 
I mean I've seen it fluctuates. 
I will not pay that {$40.00} extra, because i know I made the payment on time, it's just that ASHLEY FURNITURE XXXX / SYNCB changed the min. monthly charge and make it higher than I used to pay. 
All I ask is this should be settled so I can be back in my normal life. This amount of {$40.00} late fee has to be waived. 
This issue has been stressing me out and should be waive for the sake of helping out your customer. ASHLEY FURNITURE XXXX / SYNCB should extend their hands to be more considerate and don't push their costumer to pay more and more.

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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX, Account # : 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 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.

The following below is all inaccurate information on my credit report under the Account Name XXXX. 
The Date Opened, High Credit, Last Reported, Date Last Active, and Date of Last Payment. 
I would like it to please be removed immediately. There has been an attached document with more details supporting the inaccurate information below.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

SXXXX XXXX account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX 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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had requested Loan modification under HAMP program in XXXX for both my mortgages with Bank of America. 

Bank of America did not follow the Federal Guideline under HAMP Program and made several error at the time of modification including but not limited to : 1 ) Loan to Value On the HUD and IRS website, under HAMP, if a mortgage loan is being considered for a HAMP modification and if the ratio of the amount owed to the value of the home is greater than XXXX percent, then the servicer must consider whether a Principal Reduction AlternativeSM ( PRA ) principal reduction should be effected as one part of the HAMP modification. 

In the modification analysis prepared by Bank of America employee, XXXX XXXX on XX/XX/XXXX, the XXXX was XXXX XXXX which is greater than the XXXX XXXX  stated in the rule. Bank of America did not reduce the principal and in all documentation that I have this was not considered. The rule states that the servicer must consider principal reduction as one part of the modification there is no showing or indication that principal reduction was considered during my loan modification. 

2 ) Debt to income ratio On the HUD and IRS website, under HAMP, a participating loan servicer must consider a sequence of modification steps for each eligible homeowners mortgage loan until the loans monthly payment is reduced to XXXX percent of the homeowners verified monthly gross ( pre-tax ) income. Sometimes, a change in the mortgage loans interest rate is sufficient to reach the XXXX target. Sometimes additional modification steps of term extension or forbearance are necessary as well. 

In the modification financial analysis the numbers provided by Bank of America calculated the Debt to income ratio at 44.68 % instead of meeting the 31 % reduction required by the HAMP guidelines. Although they extended the term to 40 years the calculations did not arrive at the required XXXX XXXX and in that case the forbearance option should have been applied to reduce it to that number. 

3 ) Failing to include the 2nd mortgage in modification.

On the HUD and IRS website, under HAMP Second Lien Modification which provides modifications and extinguishments on second liens when there has been an eligible first lien modification on the same property.

Here there was an eligible first lien modification on the property, and I was never provided with an option to extinguish or modify the second. Throughout the modification process I included the loan number for the second to have them both modified and it was never addressed. 
Now my house is under foreclosure from XXXX XXXX XXXX for the 2nd Mortgage.

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