BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$130000.00} XXXX XXXX  XXXX Balance : {$37000.00} XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-08-15
Company: Lexington Consumer Advocacy, LLC
State: OH
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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, There are several credit accounts that i did not approve Please remove the following accounts : XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-09-10
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2018 RE : Mishandling of escrow account by Mr. Cooper My problems with Mr. Cooper formally known as Nationstar Mrotgage started about XX/XX/2018. I have included a large file of documents relating to what they did or better stated didnt do. The net issue is that they failed to pay my property taxes with the funds that I paid them on a regular basis with my monthly payments. When they received the delinquent tax bill they used this to re-calculate my impound account payment and significantly raise the amount I had to pay monthly. I spoke finally to XXXX XXXX who worked to get that corrected and she did get some relief but they NEVER returned the excess funds I had to pay. Then I discovered that they received another delinquent tax bill so after somewhat correcting my statement they once again raised what I have to pay. 

I believe their escrow department is totally incompetent. I also believe they use coercion bordering on extortion to force me to pay this incorrect amount. They know that if I dont pay the incorrect amount they will show my payment delinquent which will have a SEVERE impact on my personal credit. They also know there is NO RUSH to fix this for the same reason. They have taken my money in BAD FAITH and they are not returning my and correcting this issue. 

When I mentioned to XXXX XXXX that since Mr. Copper charges me a late fee if I am late paying them I think they should compensate me likewise. Her comment was, We cant do that. 

My contact at Mr. Cooper is XXXX XXXX XXXX Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since XX/XX/2020, XXXX XXXX has refused to report my account information correctly to Transunion, resulting in rolling lates that as you can see by the attachments have all been made. After 7 attempts through TransUnion 's dispute service AND filing a prior compliant with the CFPB, AND holding a 2 hour call with a Transunion representative, nothing has changed. I am at wits end and looking for legal assistance at this point. I want the account corrected - attached are all receipts showing payment. These include the actual checks, a receipt of payment from XX/XX/2020, and bank statements evidencing the check payments made each month. XXXX XXXX itself has decided that they don't want my account anymore after 7 years, and sent it back to the school. I am already in school. Therefore I should no longer have to pay.

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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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

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 2020-08-15
Company: Experian Information Solutions 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:
There are many credit inquires and debts that arent mine. I have reached out to all 3 credit agency via phone XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have also reached out via mail XX/XX/2020 and XX/XX/2020. I can not get a response. There are many credit inquires that were not completed by me. There is also multiple things that are on my report that are not even mine.

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 2020-08-15
Company: Consumer Portfolio Services, Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Date Opened XX/XX/2018 Amount reportedly owed- {$4800.00} This down payment for this vehicle was never paid in full. and for that matter, this account is a fraudulent account. Addresses ', balance, are inaccurate along with other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
While in the process of leaving a relationship that involved domestic and financial abuse I transitioned my payroll into an account that was not accessible to my partner. 

I knew this would result in overdrafts, but had to do so to utilize my available funds to support my children while protecting them from autopsys associated with bills that are not my own but I was removed from accessing to remove my banking information. 

Eventually auto payments of my own that is forgotten started to come in, and I realized the account was now essentially frozen. When I logged in to see what the total damage to the account was recently, I noticed the bank had without my request, consent or proper communication issued a credit for the total overdue balance when the early child tax credit was deposited. I was initially excited about this as I believed I would be able to right the account much sooner than I had originally anticipated. 

Until I started getting overdraft notices again. 

I have contacted the bank multiple times to inquire as to why charges to the frozen debit card are still being allowed to process through and to request they recind the credit if the sole purpose is to collect additional fees for insufficient funds even though Ive requested multiple times the account be frozen/closed. 

The total balance they are now claiming owed to them in overdrafts and fees is well over XXXX and not a reasonable thing for me to correct. I feel this is fraudulent and intentional on the behalf of chase to hide manipulation of the current economy to appear as if they are helping their customers, when in reality, they are using it to build their own profits by opening the accounting automation system to accept new charges they are aware will be declined, resulting in additional fees. 

Im reporting this because this is predatory under every definition of the term. Ive had this account for several years with no issues related to insufficient funds, and feel they are trying to take advantage of my circumstances and income to justify fraudulent fee accrual.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
When applying for credit I was informed of information on my report from several creditors that are reporting inaccurately. This information is inaccurate because the last date of activity is not correct. I disputed this information with the credit bureaus and the information remained even though it is inaccurate. The last date of activity has been re-aged on several old debts. 
I have listed the debts below in which the re-aging occurred. 

XXXX XXXX - {$860.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$480.00}, last day of activity XX/XX/XXXX XXXX XXXX  - {$450.00}, last day of activity XX/XX/XXXX XXXX Unknown account XXXX - {$2200.00} last day of activity XX/XX/XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX - {$890.00} - open date listed as XX/XX/XXXX but was opened in XXXX, last day of activity was in XXXX. This was previously a XXXX account. I returned the phone before I went to XXXX XXXX XXXX 

XXXX XXXX - Duplicate, original creditor was XXXX, last date of activity was XX/XX/XXXX. 

XXXX  XXXX {$480.00} the account was opened in XXXX. The last date of activity was XX/XX/XXXX. 

XXXX {$280.00} account was opened in XX/XX/XXXX. The last day of activity was XX/XX/XXXX. 

The re-aging of these old debts has caused me harm and has impacted my future in negative ways.

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 2023-09-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: CAPITAL ONE FINANCIAL 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: Account information incorrect

Complaint:
When applying for credit I was informed of information on my report from several creditors that are reporting inaccurately. This information is inaccurate because the last date of activity is not correct. I disputed this information with the credit bureaus and the information remained even though it is inaccurate. The last date of activity has been re-aged on several old debts.

I have listed the debts below in which the re-aging occurred.

XXXX XXXX - {$860.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$480.00}, last day of activity XX/XX/XXXX XXXX XXXX  - {$450.00}, last day of activity XX/XX/XXXX XXXX Unknown account XXXX - {$2200.00} last day of activity XX/XX/XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX - {$890.00} - open date listed as XX/XX/XXXX but was opened in XXXX, last day of activity was in XXXX. This was previously a XXXX account. I returned the phone before I went to XXXX XXXX XXXX. 

XXXX XXXX - Duplicate, original creditor was XXXX, last date of activity was XX/XX/XXXX. 

Capital One {$480.00} the account was opened in XXXX. The last date of activity was XX/XX/XXXX. 

XXXX {$280.00} account was opened in XX/XX/XXXX. The last day of activity was XX/XX/XXXX. 

The re-aging of these old debts has caused me harm and has impacted my future in negative ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Dear Sir/Madam : Re : XXXX deposit with CITIBANK or CITBANK This happened in XXXX before the XXXX financial crisis. I opened a time deposit account with CITIBANK ( not quite sure if it was CITIBANK or CITBANK ) to mature in two years which was in XXXX. Two months before its maturity, I received an email from them saying that the bank is in financial trouble and that they can not return my time deposit money. I was devastated and did not know what to do. The news on TV at the time was all about the collapse of XXXX XXXX and other large banking corporations. All the while I thought my money was safe because I thought FDIC will back them up. Two weeks later, I received a check of {$300.00} from CITIBANK saying that's all they can give me out of my time deposit of {$10000.00}. 

I tried contacting FDIC, but since this happened over 15 years ago they referred me to reach out to Consumer Financial Protection Bureau. 

Note : I don't remember the name of the bank whether it was CITIBANK or CITBANK. 
I do not have the account number. All I can provide to you is my SSN, my full name, my address and email address at that time and my phone number at that time. 

Sincerely, 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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX 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 customer Reporting agency cannfurnish 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 2021-04-17
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: Their investigation did not fix an error on your report

Complaint:
I have this scam of inquiry on my credit report XXXX CREDIT/SCOTTSDALE Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX No way to contact its just a scam I want this removed ASAP Experian Response below clearly they have no intention in investigating. Because how can I contact creditor with the information they have listed. Please help CFPB In accordance with the Fair Credit Reporting Act, entities You will need to reach out to the creditor who pulled the inquiry in order to get more information about the inquiry and the manner by which it was requested. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and answers to frequently asked questions, you may visit www.experian.com/blogs/ask-experian. Please note that you may submit your requests and/or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center at www.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.

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 2023-07-01
Company: TD BANK US HOLDING COMPANY
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account ( Nordstrom TDBankUSA ) ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Popular Mortgage assigned the appraisal firm XXXX XXXX XXXX XXXX XXXX to carry out the appraisal of unit XXXX XXXX XXXX XXXX XXXX, XXXX, P.R. XXXX XXXX XXXX XXXX XXXX ' appraisal report for apartment XXXX XXXX XXXX XXXX states that the appraised value is {$170000.00}. The appraisal report has errors and inconsistencies for this reason I request a reconsideration of the appraisal. 
The report reflects that the appraisal firm XXXX XXXX XXXX XXXX XXXX is not familiar with the supply and demand of real estate in the municipality of XXXX, Puerto Rico or has the intention of representing the market incorrectly and attributing an appraised value inconsistent with reality and in this way, I wont be able to benefit from the most attractive product that Popular Mortgage qualifies me for. 
Popular Mortgage and XXXX XXXX XXXX XXXX XXXX are formally requested to evaluate all the data provided and make the necessary adjustments to reflect the appraised value of the XXXX XXXX Cond Sea View based on the information available and the reality of the market. Otherwise I request a reimbursement of appraisal amount {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC has placed a collection on my credit profiles claiming that I owe {$540.00} to XXXX Ive never had services with XXXX I have reached out to this company 3 times ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.

Company response to consumer: Closed with explanation