BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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. Transunion must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. Please adjust these accordingly. 

XXXX XXXX XXXX XXXX Balance {$35000.00}, XXXX XXXX XXXX XXXX Balance {$2100.00}, XXXX XXXX XXXX XXXX Balance {$2400.00}, XXXX XXXX XXXX XXXX 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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently applied for furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit reports so that maybe I would get a better understanding. After doing so I noticed some items on my credit reports are not mine. I'm unsure of how this happened. I need these items deleted 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 2022-05-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting ACT XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: EQUIFAX, 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:
XXXX, XXXX ACCOUNT # XXXX amount XXXX date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Delete fraud alerts from all 3 credit bureaus XXXX : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX 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 consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: FL
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately 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

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 2022-05-15
Company: EQUIFAX, INC.
State: IL
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:
My name is XXXX XXXX, a federally protected consumer. I am filing this complaint against Equifax and in response to a letter I recieved on XX/XX/2022, but dated XX/XX/2022 ( attached labeled Equifax ID letter, requesting additional information to prove my identity. In their letter provided, Equifax stated that, " Because of the information that I provided as my identity, did not match the information they have on my consumer file, they could not process my request. Equifax also asked that I send a copy of two ( 2 ) different items, which is a violation of my consumer rights according to 15 USC 1681h. According to the laws, proper identification was given. Congress does not state that the consumer has to provide any other means of identifying documentation, other than what I have already provided. ( attached labeled Identification ). Equifax stated, " Again, we need a total of two ( 2 ) items- one from each of the categories '' provided in their letter that is attached, in order for them to process my request. According to congress, I XXXX XXXX, has provided all of the proper Identifying documentation needed to prove my identity and my address, as to which Equifax sent the attached correspondence to my address, that they are requesting additional information to prove its accuracy. I am aware that Equifax has all of the information needed to follow through with what is being requested of their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2021 I sent a letter about inaccurate & false reporting things on my credit report. it has been over 45 days an I havent received a response yet.I feel like Im being taken advantage of and ignore of my disputes. Section 611A it is plainly stated that a failure to completely investigate these items with in 30 days gives a reason to Immediately remove these accounts from my credit report.it has been over 45 days so they should be deleted Promptly.I demanded that these accounts be deleted immediately or I will file for Litigation do to the stress youve caused me my information was also impacted by the equifax data breach and might have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit of XXXX dollars into my Ally bank account on XX/XX/2022 and the funds were made available XX/XX/2022. Once the money was in my account I transfered the money to my property manager on XX/XX/2022 for past due rent. For some reason that action caused them to freeze my account. I have been calling daily and getting no answers. When it first happened I spoke to someone in early XXXX that claimed they just needed to verify my check and then my account would be unlocked in 5-10 business days. Its been over 2 weeks now and I still have no answers. Its the only bank account I have and with no access to my money Im worried that my power & phone will be shut off soon. Im not sure why I am being treated like a criminal, the check was from the state of california so I dont understand why my account was frozen over 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 non-monetary relief
Consumer complaint received 2022-05-14
Company: CAVALRY INVESTMENTS, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have disbuted this debt, in return they threatened to sue and damage my credit. They resubmitted to the credit companies as a new debt in XXXX. Any collections I did have on my account were from XXXX and greater. I did not open any accounts until XXXX with XXXX XXXX. I have no knowledge of a XXXX account. They are repeatedly calling me all hours of the day 7 days a week at home and at work. They mail me papers requesting I file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Figure Technologies, Inc
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Dear CFPB, We would like to lodge a complaint about Figure Lending! They are extorting money. 

We rightfully obtained a Figure HELOC last fall for {$110000.00}, and that money is now being withheld from us without any appeal or recourse. 

We understand the policy of witholding funds due to a steep decrease in home valuation. However, we believe the valuation Figure did is false and inaccurate. The values of homes in our town actually went UP in the last year. 

We and our loan officer with XXXX  XXXX ( one of Figure 's partners who referred us to Figure ) XXXX XXXX, just got off a conference call today, XX/XX/2023 with XXXX XXXX at Figure. XXXX is indicating that they pull a new automated valuation any time a draw is requested. We were not made aware of this when we paid {$4200.00} to have access to these funds. He said there is no appeals process or recourse, and we are now without access to these funds OR a way to appeal the decision, which we believe is due to a false valuation. 

We are under contract with an investment property for which those funds are a down payment and have multiple people counting on us! We had put the funds back just 1.5 months ago after the last draw and no one told us we should keep them in case the redraw was denied! 

We have been a big advocate for the Figure HELOC loan product and am now going to have to speak loudly and publically on social media to warn people NEVER to use this product or this company unless we receive a resolution! Between us we have XXXX followers on XXXX, and will not hesitate to use our large audience as a platform to spread the word. 

This feels like this is predatory. This loan was funded only 6 months ago, and the values in our area ( XXXX, Oregon ) have only gone UP since then. They have not gone down {$80000.00} in just 6 months, which is what the company is saying. This is just not accurate. 

It feels like they are wanting to make us pay the fees for a new loan instead of giving us access to these funds. 

This is NOT acceptable. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TRANSUNION AND XXXX HAS NOT REMOVE A BANKRUPTCY THAT DOES NOT BELONG TO ME XXXX HAS REMOVED IT BUT THESE TWO ARE NOT COMPLYING WITH THE FCRA LAWS

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 2023-06-01
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for the Illinois Housing Assistance Fund in XX/XX/XXXX, I was approved in XX/XX/XXXX. The ILHAF requested my mortgage accounts due on my account XX/XX/XXXX and Rightpath Servicing will not provide it to them. I have called 5 or more times since XX/XX/XXXX and was originally told by several representatives that they are talking to ILHAF and that it was being taken care of. This Tuesday I received a letter from Rightpath stating that they referred my account to foreclose. I also received a letter from a lawyer who Rightpath hired to collect my mortgage payments. I called twice XX/XX/XXXX to ask why my account details have not been sent to ILHAF, I have still not received any answer from them. I believe the company is trying to start foreclosure on my house because they will not provide my account details to the Illinois Housing Assistance Fund so they can receive payment on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Countrywide Mortgage that originated in XXXX. 

Bank of America services the mortgage for XXXX XXXX XXXX XXXX XXXX ( as of XXXX ). 

On XX/XX/XXXX I received the attached response from Bank of America which was also sent to The Consumer Financial Protection Bureau responding to my complaint in case number : XXXX. 

The fifth paragraph of the letter from XXXX XXXX XXXX, Resolution XXXX, Regulatory Complaints states : " During a telephone conversation on XX/XX/XXXX, I discussed that in order to be approved for a payment deferral, your loan must be no more than 18 months past due. At the time of the call the loan was paid through the XX/XX/XXXX installment and didn't qualify as it exceeded the deferral program requirements. 

In XXXX of XXXX I made four full payments of {$4600.00} to bring the payments down to 17 months past due and in the beginning of XXXX I made an additional full payment of {$4600.00} to keep the payments at XXXX past due. 

The customer service representatives I spoke told me me that I would be approved for a deferral of the 17 months of payments that were allowed to be put into forbearance during the Covid-19 period and that they would be tacked onto the back of the mortgage as a balloon payment. 

I relied on those statements and statements of XXXX XXXX XXXX when I made the four payments. 

If a Bank of America employee from the Regulatory Complaints Department makes a statement in a letter responding to a complaint the consumer has filed with the Consumer Financial Protection Bureau and the consumer relies on that statement and then Bank of America should honor those statements. 

As of today 's date, Bank of America has has not deferred the 17 months of Covid-19 forbearance.

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 2023-10-17
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX | DOB : XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} To whom it may concern you have violated my rights under the FCRA XXXX 

On ( XXXX  ) I sent a dispute letter to you, disputing the account ( XXXX ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section XXXX ( a ) ( XXXX ). 

Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

XXXX with account number XXXX Remove due to inaccuracy - I never paid late INQUIRIES REMOVALS BELOW 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 Thank you for your time and attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: FIRST REPUBLIC BANK
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
during our divorce, I was deeded off ownership of the family home. My ex husband owns the property as sole and separate property. I have no ownership interest in this property. This was 2 years ago and the bank still has me on as an owner and refuses to change this despite me sending several written requests during the past 2 years. Now the property has had several late payments and because my ex husband has not been able to make the payments. The bank is reporting this to my credit score which in return makes me unable to get a loan. My credit is otherwise very good, but the negative credit reporting by First Republic Bank has made it very difficult to improve my credit score. I have written to the bank and spoken with them on several occasions however they will still not take me off of the loan even though I haven't owned the property since XX/XX/2014. The amount still left on the mortgage is {$560000.00}.

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 explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
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:
I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX/www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Balance : - SXX/XX/XXXXXXXX Balance : - XX/XX/XXXX Original Creditor : XX/XX/XXXXXXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXX/XX/XXXXXXXX XXXX : {$630.00} XX/XX/XXXX ( Original Creditor :XX/XX/XXXX) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$550.00} XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX ; XXXX ( Original Creditor :XX/XX/XXXX XX/XX/XXXX ) XXXX Balance : {$660.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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