BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I use People 's United Bank for my home mortgage and pay extra towards my mortgage every month, typically about {$2000.00}. I was told by a branch Mortgage Officer that all extra payments would automatically go to my principal. I discovered a few months ago the extra payments were not going towards my principle. Peoples United Bank went retroactive for 6 months to correct the error, but that is it. I am continuing to pay extra monthly since I last addressed this issue with the bank but the payments are still not going towards my principle. I have called People 's United Bank several times now and have not received any return calls. There are no longer any local Mortgage Loan Officers since the merger with XXXX XXXX XXXX  that I can work with on resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. I have new and updated information regarding XXXX failure to comply with federal law. 
I have requested on several occasions that XXXX and Transunion PROVIDE ME WITH ALL DOCUMENTS that were used during their reinvestigation. Pursuant to 15 USC 1681d ( b ) XXXX AND TRANSUNION SHALL PROVIDE ME WITH A COMPLETE AND ACCURATE DISCLOSURE OF THE NATURE AND SCOPE OF THE INVESTIGATION. This should have been delivered to me within five days of requesting. This is a violation. 
The only response I keep receiving is that they have verified with XXXX XXXX the alleged account belongs to myself the consumer. 
Pursuant to 15 USC 1681 ( a ) ( 3 ) XXXX and Transunion assumed this vital role in assembling consumer credit and other information. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) XXXX and Transunion failed to exercise their grave responsibilities with fairness, impartiality, and respect for my right to privacy as a consumer.

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 2023-05-23
Company: BANK OF NEW YORK MELLON CORPORATION, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear CFPB, Could you please help me shed some light on the following issue? 

I've transferred XXXX USD from XXXX, XXXX ( XXXX ) to my wife 's account in XXXX XXXX (, XXXX ( XXXX ) on XXXX. The XXXX bank in chain was BNY Mellon ( XXXX ). 

The XXXX XXXX rejected my money on XXXX, due to XXXX  invasion and possible sanctions, but money stuck in XXXX. 

I made request to XXXX and they responded that they don't see these money as blocked. 
I've tried to contact BNY Mellon directly, but they said that I'm not their customer. 
XXXX is disconnected from XXXX from XXXX I'm looking for a way to contact BNY Mellon and get this money transferred to my account in another country, because we have relocated and this will help us a lot. 
Thanks in advance for your help or any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this late payment needs to be updated.

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 2018-04-03
Company: Diversified Adjustment Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing the reporting debt on my Credit Report. This bill was paid in full and equipment returned to XXXX XXXX all before my ( 15 day cycle ) was complete. I should have received a refund due to me ending my service earlier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: NJ
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:
Delete hard inquiries listed on my credit report. These accounts were not authorized by me. 

XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 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 a account without my written instruction

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 2022-11-28
Company: Experian Information Solutions Inc.
State: NY
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 sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-07-26
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:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.

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 2016-07-13
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I AM APPEALING THE LOAN MODIFICATION THAT WAS OFFERED ME BY SPECIALIZED LOAN SERVICING based on my income. 

My business, XXXX is mainly a cash business as I purchase goods here in the US and sell in my native country, XXXX. My son who signed for the mortgage with me has quit claimed himself off the property as he has moved out and started his own family. It is now left up to me to pay the mortgage. 

Specialized Loan Servicing did not even lower the exorbitant interest rate of 8.250 and with only 151 months left on the mortgage, there must be some way that they could make this mortgage more affordable. Either by extending the terms or lowering the interest rate. I want to keep my home but I will not be able to unless the private investor who owns my loan has some mercy and decides to work with me. 

I would like to be considered for a HAMP. I have never had one and I understand that Specialized Loan Servicing receives money from the government to extend this type of modification to it 's customers.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: IL
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 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. I have attached the necessary documents to support my claim.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2019-07-08
Company: Express Collections, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Express Collections, LLC has my soon to be ex-husbands non medical bills on my account and will not remove them from my end. I had nothing to do with those debts and have asked them t remove them and they will not. I do not owe that money to XXXX XXXX XXXX XXXX XXXX or XXXX XXXX, that is my husbands debt and I want it removed off my end of collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
TransUnion is providing outdated information to my creditors. Although delinquent items have been removed from my credit report, my creditors are receiving information directly from TransUnion stating that I have delinquent items on my credit report. There are no delinquent items on my credit reports when I view them, however TransUnion is providing incorrect information to my creditors.

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 2023-05-23
Company: Mr. Cooper Group Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
My mortgage lender ( XXXX XXXX XXXX XXXX ) ; Formally Known As ( XXXX XXXX XXXX  ) ; transferred/sold my loan to " RightPath Servicing '' : failed to report my mortgage payments under the Federal Pandemic Forbearance/Modification Plan. 
As a result, took advantage of the consumer ( person filing this complaint ) ; by their formed ( SPV ) companies formed for a single purpose to isolate their investment through abusive, threatening business practices ( i.e., physical threats, abusive communication, behind the scene deceptive tactics; attempting to cause financial and other harm ; by affecting my life in a negative way. They ( the parent company ) have in every which/ way violates my consumer rights in their nefarious methods to isolate their investment and activities. 
They have greatly harassed me, leaving threatening communication /paper at my house. following me in my daily life routines. They have teamed up with other outside entities against this one consumer to pull together a " lynching team '' including partnering with XXXX companies as a debt management system to validate their unlawful practices through national correct coding methodologies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The inquires on my XXXX credit report do not belong to me.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Inquiry Name : XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  Inquired on XX/XX/XXXX Inquiry Name XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX Inquired on XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-04-28
Company: Millco Management
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:
In accordance with the fair credit Reporting act XXXX Account # 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 a 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 public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have old student loan accounts that should have been cleared with a bankruptcy that had been transferred around by the department of education and are now with XXXX. They had been updated as closed and are now showing that they are reopened again. After I went through the long process of getting them closed with the vendor. This loan for {$12000.00} should have been discharged and shows it was opened : XX/XX/XXXX; showed closed until XXXX of XXXX ; now showing it open but comments still say closed. 

I also have student loans ( more recent ) XXXX or later that have been discharged and even after disputing them with the letter for the department of education, they are still reporting them as opened.

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 2023-07-26
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: First Technology Federal Credit Union
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A Account was open in my name in XXXX by a bank named first tech federal credit union that I was not aware of or gave anyone permission to open this bank account. A week later a debit card was sent to my residence. I called the bank and let them know they said I called after hours and we need to call back. A couple days later I called back and They said I would have to go to a sister bank because this bank was not even in my city. Before I could reach out to this sister bank in my city I received an other letter stating that this bank account was - {$13000.00}. I just got off the phone with them today I was able to report fraud again and they stated I would have to get on this website identity theft.gov and reported as well. This is a lot of money and its going to affect my credit score and other places of me trying to open an other bank account in the future. As far as right now, they wont give me any information on who or where they know or what they spent the money on until further investigation I was trying to find out where the money was spent so I know what calls to take because Ive been receiving so many calls and at this point, I dont know which ones are fraud and which ones are related to 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