BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting 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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I AM HAVING MAJOR DIFFICULTY AS WELL AS MY ATTORNEY, AS GETTING AN ANSWER FROM CIT BANK FOR EITHER AN APPROVAL OR DISAPPROVAL ON THE STATUS OF A RE-MODIFICATION APPLICATION OF MY PRIMARY RESIDENCE!! THE PROBLEM IS, CIT BANK, NEEDS TO MAKE AN IMMEDIATE DECISION AS APPROVED OR DISAPPROVED ON THE RE-MODIFICATION, AS THEY ALREADY HAVE AN UPCOMING SALE DATE SET FOR XX/XX/XXXX, WHICH IS LESS THAN 30 DAYS FROM NOW!! I AM CURRENTLY IN A FORECLOSURE THAT HAS BEEN ON GOING SINCE XX/XX/XXXX AND HAS FILLED OUT MANY OF AN APPLICATION, WITH MANY OF THE BANKS, THROUGHOUT THE YEARS, AND RECENTLY HAVE SUBMITTED 3 NEW APPLICATION TO CIT BANK SINCE THE BEGINNING OF THIS YEAR. INITIALLY, THE MORTGAGE NOTE WAS HELD WITH THE FORMER XXXX XXXX XXXX TRANSFERRED TO XXXX XXXX XXXX AND AGAIN TRANSFERRED TO CIT BANK, WHO CURRENTLY IS SERVICING THE MORTGAGE LOAN FOR THE LAST 2 YEARS. 
I AM A XXXX, WHO CURRENTLY HAS THE MEANS TO PAY A MORTGAGE, AND MEET ALL CIT BANKS CRITERIA FOR A MODIFICATION, BUT, KEEP GETTING STONED WALLED WITH NO FINAL ANSWER ON THE STATUS OF THIS RECENTLY SUBMITTED APPLICATION!! THEY HAVE MORE THAN 5 YEARS OF BANK STATEMENTS AND HAVE THE LAST 8 YEARS OF MY FILED FEDERAL INCOME TAX ON FILE!! I NEED THE CFPB TO STEP IN AND INQUIRE WHY THERE IS NO DECISION ON THIS RE-MODIFICATION INLITE OF THE DOOMING SALE DATE WHICH WILL HAPPEN WITHIN THE NEXT 30 DAYS. 
IN XXXX XXXX XXXX, THE JUDGE OVERSEEING THIS CASE, IN AGREEMENT WITH THE CIT BANK ATTORNEYS, ALLOWED FOR THIS APPLICATION TO BE SUBMITTED AS THE JUDGE AGREES THAT I WOULD MEET THE CRITERIA FOR APPROVAL AND NOT HAVE THE BANK TAKE MY HOME. ANY FURTHER DOCUMENTATION NEEDED PLEASE LET ME KNOW!! YOU CAN REACH ME VIA E MAIL XXXX or call XXXX XXXX XXXX CIT BANK- PHONE- XXXX LOAN NUMBER-XXXX PROPERTY ADDRESS- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: PA
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 was told by a creditor directly that they can not verify my old debt account, and they implored me to dispute it through Experian and that the dispute should drop the report because there is no way the account can be verified. We spoke directly to several managers at XXXX XXXX and XXXXhey were very nice, and helpful to the point where they did inform me to dispute it, and that they would make a notation, and when the dispute came through it would be a non-verified. Lo and behold, Experian claims they verified and updated it. I don't beleive they did. How coule they when my direct correspondence with the creditor could not verify it? I don't believe Experian verified this account, even though they said they did.

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 2021-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can not log into Equifax account. Spoke with a representative and they were to resolve in a week still can not login.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I am really upset that Honda reported me as being 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, and then 90 days late in XX/XX/XXXX. I had a mortgage company pull my credit report and noticed that the erroneous delinquincy they are reporting is hurting my credit score by over 100 points. I have never had a late payment with any creditors in my life. But the fact that Honda is, I was denied. Now I did look at my credit report and see that they are reporting my high credit or limit at {$370.00} for this car which is not true so I did my investigation and saw that this is actually a violation of the Fair Credit Reporting Ac. Why is it that a company like this can hurt my credit when it was something that I paid? I never received proper notification or any phone calls that I owed this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act 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. section 1681 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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of XXXX XXXX in the past and noticed a few accounts listed on my credit report that did not belong to me and were unauthorized. I don't have a contract with XXXX XXXX and did not consent to them having any of my personal information. Not only is this account fraudulent but it is also inaccurate, invalid, and incomplete and an unauthorized. These accounts are ruining my life and my reputation with the banking system. I need these accounts removed immediately. I have been getting denied for a mortgage and I really need this for myself and my family.

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 2023-05-30
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: Information belongs to someone else

Complaint:
I received a letter in the mail for synchrony home issued by synchrony bank. I have not personally applied for any products or services through this company. I went in to buy a product from a conns and was told that my credit would be pulled for the application. I was unaware of my credit being pulled a few times in order to receive a product. I was not notified by the employee. However, after contacting synchrony home I discovered that my credit had been pulled a few times resulting in the letter I received in the mail.

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 2019-03-20
Company: WESTERN UNION COMPANY, THE
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Yesterday I attempted to transfer money using Western Union to a  company in XXXX to purchase scientific software. After going through their on-line procedure and providing the information money transfer services usually require, Western Union asked for the username and PASSWORD of my personal BANK account. Please understand I'm not confusing them asking for my Western Union account password - I was inside their system already when this occurred - they asked for my banking password. I feel the need to report this because no company or person EVER legitimately asks for the access password to a customer 's bank account. If someone at their company obtained that password, they could withdraw all of my money, manipulate my mortgage, bank loans, credit cards and so forth. And of course, the consequences of such a company being hacked are gigantic. This is a totally illegitimate business practice which surely must be illegal and I am attempting to notify the government of its existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had automatic payments set up on my credit card. Without notifying me, Bank of America canceled them. I didn't receive a notice until it was 30+ days overdue. At that point I paid the full balance. They claimed they didn't know why it happened but admitted fault by refunding the late fee. They refused to do anything about the report to the credit bureaus. 

This happened again about 5 months later. I had a balance of {$21.00} owed on the card, and again the auto payments were canceled and it became past due. This was again reported to the credit bureaus. 

These are the only two late payments in my entire 20+ year credit history. I've uploaded a XXXX  copy of the chat I had with BofA support, which acknowledges that they did cancel the auto payments and refunded the late fee.

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 2023-05-30
Company: EQUIFAX, INC.
State: AZ
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 have been having identity theft on my credit reports I been disputing them. N telling them I want original contract and that it's fraud and it doesn't take it off it says accurate when it's not. I didn't even have that address it says I lived at and it still won't take it off.

Also I had a freeze on my credit yet it kept putting stuff that I didn't do on my report even inquiries pls help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Butte County Credit Bureau
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Complaint : I communicated with this Bureau previously about debt ( s ) and inquired why was the debt listed on my credit report in XX/XX/2017. I made the Bureau aware that I had no knowledge of the bill because the hospital did not notify me by mail or any other form of communication to my knowledge. I wanted to resolve the matter so I informed the bureau that I had medical insurance and instructed them to contact my medical insurance company to see if they would retroactively pay the bill. The Bureau agreed and said they would contact me later to inform me of the outcome. I updated my information with them so they could mail me any updates concerning the matter but they failed to do so. Consequently, the debt is still on my credit report. I never received nothing in writing in regards to the bureaus communication with the insurance company nor the dispute. Not even a call. I recently requested the Bureau to dispute the matter for me and they refused. I informed them that I wanted a statement of account and to remove any negative reporting from my credit until I'm given written verification of the account and also a chance to resolve it esp. due to financial hardship at this time. The Bureau acted rude and very unprofessional as though they did not want to resolve the matter nor did they want to file the dispute. I should of had a fair opportunity to resolve it before the hospital sold the debit to a third party collection agency and filed a negative report ( s ) to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I, 602A, and 602 A Section 2 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Incorrect and conflicting information was reported inaccurately with two credit reporting agencies. I have contacted Experian, XXXX, and XXXX regrading an inaccurate reporting of a court bankruptcy public record from 2014, which is no longer list on my XXXX Credit Report. I have asked for this discrepancy to be removed from my Experian and XXXX 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 non-monetary relief
Consumer complaint received 2023-03-15
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In late XXXX - early XXXX, I authorized automatic payments to XXXX XXXXXXXX XXXX chase credit card among other credit lines. In XXXX, I notified XXXX XXXX she was no longer authorized on this account. After I notified XXXX XXXX, I called Chase Bank and cancelled/ closed all automatic payments being made on her behalf. There were multiple reversals completed by Chase Bank. This was an ongoing issue for a couple months. I notified Chase Bank on multiple occasions to file fraud charges, and dispute multiple charges. These charges were reversed and credited to my account. I again contacted Chase to try and find resolve for this recurring issue. Chase advised me of XXXX options : XXXX close existing checking account and open a new one. XXXX. Contact customer service and issue a stop payment order ( which I would have to pay a fee to do ). I opted for option XXXX, I closed the existing account and open new one. After this occured, I noticed some automatic payments going to chase credit card. When I called and asked I was told that it was going to my chase credit card. After a while and kept questioning it, I compared the automatic withdraw ( auto pay / ACH ) with my payments to credit card and found a discrepancy. I called and asked what account this was being sent to, during multiple times of calling to inquire, before I was able to get the name ( had to be switched between multiple departments ), the call would go idle, or get dropped. Each time trying to contact took approximately XXXX minutes, then the call would end, go quiet, not have anyone on the other line and not in the queue. I was finally able to find out who the payments were being sent to, which i then tried to escalate the issue multiple times and show this person was found to be fraudulent. My many attempts did absolutely nothing. Still to this day ( XXXX years ) there are still payments being made to an unauthorized account and Chase says there is nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX DEPARTMENT STORE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Experian Information Solutions 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XX/XX/2017 XXXX {$17000.00}

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 2023-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
For the second time in a year, Bank of America has sent emails saying an account was requested and opened in my name. I do not and never will use Bank of America.

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 2021-06-16
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was interested in knowing what the closing costs would be if I refinanced my existing mortgage with NewRez. They have been emailing me constantly encouraging me to do so. 

In the process, I was encouraged to apply with no obligation to find out the closing costs. 

Midway through the application process, an agent called, and asked some questions, and said he would run a credit check and encouraged me to complete the application. 

I decided not to complete the application at that point, and have asked him to close it out, but now i am getting radio silence. Have called several times, sent several emails. All i get is auto-responses telling me to complete the application. 

I tried calling the main number and they said i have to speak with him. But i can't reach him and he is not responding to voice messages or emails. And it seems there is no way in this online application to cancel it. 

This seems like predatory practices to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: MI
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief