BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: MS
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:
Account Name : XXXX Account Number : XXXX Balance : {$100000.00} Dates of late : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Dates of late : XXXX, XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$20000.00} Dates of late : XX/XX/XXXX, XX/XX/XXXX I do not recall being late in those months. I remember paying this off on time when I received my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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:
My credit is being damaged through no fault of my own. Im looking for options to either pay off this mortgage, make automatic payments. I have no ownership in this home therefore I can not refinance. The primary borrower will not communicate with me. I am NOT being given monthly statements by the lender. I have NO control over delinquency on this account. I can ONLY access this account through my credit report & even though I check regularly, I dont have access to specifics until a month after its reported to show last payment made. I dont have information on how to pay, amount due, close out balance or how to assume full responsibility for the loan. I have not made a single late payment in over 30 years. I want to make sure that Im responsible for anything that I can control. I have no control over this mortgage. Lender even sent wrong info with another of their clients personal information enclosed. I wonder if my personal information was compromised as well..

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my 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 2020-04-14
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

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, and XXXX/XXXX  reported to Experian that I applied for credit in which I never appled for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers and name corrected on my report as this is a violation of my consumer protection right.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-09-12
Company: BARCLAYS BANK DELAWARE
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022, I called customer service for my XXXX XXXX XXXX XXXX because I was charged late fees of {$41.00} due to the fact that with the switch from XXXX XXXX  to Barclays Bank my statement was not received. I was told the fees would be waived, and to just pay {$30.00} which I did. 

On my next statement I saw I was charged the {$41.00} fees + a {$2.00} fee. I called customer service again in XX/XX/2022 to inquire and I was told not to worry, my balance is {$0.00} and I didn't need to pay anything. So I did not pay in XXXX. 

For the XX/XX/2022 statement I was charged the same {$43.00} + a new {$32.00} late fee, or {$75.00} total. I should not have been charged any of these fees due to waiver of {$41.00} in XXXX which is still not reflected in my statement. 

When I called Barclays, I was told the {$41.00} was waived even thought it obviously was not and I was charged an additional {$32.00} fee. I was then told I'd be transferred to a " relationship manager '' but was placed on hold for an hour with no one ever picking up the phone.

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 2023-11-03
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
This is a complaint of the timeline provided to close our assumable VA loan. 

Our home has had multiple purchase offers but under the condition that the loan is assumable. Mr.Cooper estimated 4-6 months to close on a third party assuming our loan. 

These timelines are absolutely ridiculous. All of our home 's purchase offers with the stipulation of an assumable loan have backed out. This is a direct result of the outlandish time needed when the average home closes within 30 days. 

Our Realtor has recorded of who she spoke with at Mr.Cooper, XXXX XXXX XXXX on XX/XX/XXXX between XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
They account is XXXX XXXX XXXX and should be deleted from my credit history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2020-03-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I requested a copy of the card member agreement for my account close to a month ago and I still have not received it despite asking for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Cornerstone Home Lending Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are applying for a refinance on our primary residence. We have lived here 5.5 years and have a ton of equity. We are wanting to consolidate our debt due to my husband being XXXX. All is moving along fine and then we get told we have a foreclosure coming up on our credit report and need to get that removed before we can go forward. We pay {$60.00} to pull both our three bureau reports and nothing shows up at all as it should not. 

In 2009 we did have a foreclosure due to the bank being unwilling to work with us - XXXX XXXX XXXX this was proven in court and we did receive a settlement under this action. 

Not only was that the case, but we went through a bankruptcy so reporting the foreclosure is against the law as the loan was included in the BK although we were making voluntary payments. In addition, this is greater than 7 years old ( should be off the report ) and the BK is greater than 10 years old and is off all reports at this time. 

The mortgage broker said he agreed this should not show up, yet it does and too bad so sad basically. I have no recourse as they will not disclose where this information is coming from. When we purchased this home 5.5 years ago this did not show up at all because it could not even back then! 

This is unlawful and we need assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2023-05-09
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:
Experian or XXXX reported in accurate information on my credit report if they cant provide validation of the information reported it must be deleted or updated to positive payment history. I have not supplied proof under doctrine of estoppel by silence, Engelhardt v.Gravens 281 SW 715,719, I presume that no proof of the alleged debt, therefore any such debt, in fact therefore exist as late payment status.

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 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Had FHA mortgage paid it Countrywide XXXX wrote new one without our knowledge Have offered settlement Bank of America attorney sent email We mutually walk away dismissal of complaint with prejudice. Dismisd my federal complaints Since BoA bought Countrywide and is using the forged FHA mortgage to foreclose don't know who is pulling the lawyers strings. You can get it directly to BoA is either a victim or in cooperation with the forgers.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-06-15
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: Investigation took more than 30 days

Complaint:
My XXXX XXXX XXXX account is reporting delinquent, but I am current and have never been delinquent on this account with XXXX XXXX XXXX. I called them twice today to confirm I have never been late and 2 different reps told me what I already knew which is the fact that I have been delinquent with them.

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 2023-01-04
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 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  15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Diversified Adjustment Service, Inc.
State: LA
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:
Diversified Adjustments has a debt from XXXX in the amount of {$580.00}. They ( diversified adjustments and XXXX ) are saying they have no knowledge of the tracking information of the return box they sent me when returning my phone. I closed out my XXXX account because I was switching to XXXX. XXXX sent me a return box with a return label ( THEIR TRACKING INFORMATION ). I dropped the phone off at the facility as told to be returned. That location was busy so I just dropped the phone off. WHY CANT XXXX  LOCATE THE PHONE THEY ARE THE ONES WHO PROVIDED THE TRACKING AND RETURN INFORMATION! This shouldn't even be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been with Fifth Third bank for many years and never had this problem. 
On XX/XX/2023 I put a deposit into my account of {$7500.00} of XXXX XXXX. 
The deposit cleared XXXX also on the XXXX. 
On XX/XX/2023 I put another deposit in the bank of {$6300.00} XXXX  days later when checking into my account the deposits were there but the funds were not available. 
I went to the bank and they told me that the funds were marked as inefficient and would take a week to be good. I asked why and they said that it was because I put them in their ATM attached to the bank. I told them that I have been doing this for years and they said they could do nothing.I asked why no sign on the ATM about this with no answer. They said if I wanted this not to happen again to come in to the inside teller window. 
The cost of interest I had to pay on my bills because of the delay was not wright The bank should at least put a sign on there ATM informing customers of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
On XX/XX/XXXX Capital One Bank placed a restriction on my line of credit without prior notice to me. I had a {$5000.00} PLC since XXXX XXXX it was originated with XXXX XXXX  acquired by Capital One ). My PLC was used during the previous year. 

I discovered that my PLC was changed when I went to my on line account web site. The PLC was no longer listed. Today, XX/XX/XXXX, I called Capital One and the agent informed me that as of XX/XX/XXXX my account was restricted. This was due to a Capital One decision to terminate all PLCs. I was also informed that the letter to inform me of the change will soon be sent to me. Also, I was informed that PLCs not having any activity for the previous 12 months were terminated in early XXXX. 

I do not have a problem with Capital One 's decision. However, Capital One should have issued appropriate notice so that I could make other arrangements. Yesterday, I was nearing a decision of a very large purchase which may have tapped my PLC. I would have had a bounced check because I did not know on Capital One 's actions. 

Further although it will be small impact to my credit rating, I expect a small drop do to elimination of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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