BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-15
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Thank you,

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 2023-02-12
Company: Experian Information Solutions Inc.
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following account XXXX. ) XXXX XXXX XXXXAccount Number : XXXX ; XXXX. ) XXXX XXXX XXXXAccount Number:XXXX ; XXXX. ) XXXX XXXX/Account Number : XXXX ; XXXX. ) XXXXXXXX XXXX XXXXAccount Number: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 2023-02-27
Company: FinCo Services Inc DBA Current
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
This is one of many employees at Current bank who are very and flip concerning issues that there customers address. Today on XX/XX/2023. I tried to talk with a supervisor concerning a very important and serious issue. Not to mention my overall experience and dissatisfaction of their overall customer service. This supervisor completely brushed off any concerns that I had and was very rude and downright insulting to me. This persons employment ID is XXXX and there name is XXXX. I will also include some of the screenshots of the conversation that I had with XXXX too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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:
I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bank of America is attempting to collect 2 charged off accounts from me. As it stands, every time I have contacted Bank of America they have not mentioned these accounts nor have they attempted to communicate any resolves to these charged off account with me. I had noticed last month a letter in the mail from some firm saying that Bank of America is suing me for the charged off debts and continues to send harassing mail. I have also noticed an increase calls and harassment to collect the debt, and am ready to proceed legally to end the harassment as I am already greatly overwhelmed by the effects of XXXX. 

I remember some months to a year letting Bank of America know of the hardships I was encountering during COVID 19 and them saying go two months behind in payments then offering me no options in terms of a payment plan that in no way worked with my financial hardship. I then offered a settlement amount based on what my XXXX wife and I could afford, but they would not take it nor would they work with me based on where I was at. 

I am now going through a much harder time financially and have been struggling to find a job, while taking care of my XXXX wife and take her to appointments, and/potentially now losing my car. The house may be foreclosed on as well. My wife and I recently took a XXXX medical bill after having to go to the XXXX being treated for a XXXX XXXX. Not to mention, several of my family members had XXXX and I ended up having to help them financially as well. 

All in all, I have had an outstanding credit score ( highest being over a XXXX credit score ) and been a loyal Bank of Member for over a decade now. I am writing this in good faith as I am doing my best to stay afloat during the pandemic and these charged off debts are getting in the way of accessing resources I may need to support my needs in the time. I am an upstanding consumer who has fallen on hard times during not only a pandemic, but one of the country 's worst economic/employment landslides of all time. 

Lastly, I would like to say I am aware that Bank of America has a history of attempting to collect on Charged/Written Off Accounts and had a class action lawsuit pursued against for these types of scenarios in particular. I do not wish to proceed legally as I am already overwhelmed by extreme hardship during XXXX, but I will proceed legally to protect myself as a consumer and American affected by 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 2023-01-21
Company: MONEY SOURCE, INC., THE
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had to file a homeowners insurance claim due to flooding in my home. The money source also had to endorse the check for my insurance claim settlement. They took control of the funds and are doing a monitored claim. They will not release any more funds for more repairs until they have done an inspection. I tried to schedule this inspection 2 weeks ago and have continued to reach out throughout the 2 weeks to schedule this so I can continue with my home repairs. XXXX has not scheduled this inspection after 2 weeks. I have also tried filing exception letters to get more funds released to continue the repairs to no avail. I am expected to complete 50 % of repairs with not even 25 % of the money. XXXX also keeps closing the exceptions I have filed after making me jump through many hoops. They have all the information that is needed supplied by my insurance company and contractor but refuse to move this along. I have mold growing and XXXX does not seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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:
Several attempts have been made to recieve validation of debt from all major credit bureaus and cfpb I have still not recieve vadilation of debt its been well over 90 days no action was taking per consumer law if debt is not validated within a cetain time frame its to be removed.

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 2021-03-03
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Refinance VA Mortgage, Payed off Freedom Mortgage XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX. My credit union inadvertently sent ( 2 ) two payments after the mortgage was closed w/Freedom Mortgage ( 1 ) one payment was sent for the amount {$710.00} on XX/XX/XXXX another payment for {$710.00} was sent XX/XX/XXXX called Freedom Mortgage XX/XX/XXXX to find if they received the first payment Freedom Mortgage acknowledge they had received the payment and would put the money back into my account did no specify a date. call them several before the second payment was taken out XX/XX/XXXX. ( 3 ) three since the second payment was taken out got the same answer they would refund the total {$1400.00} back in to my account as of today XX/XX/XXXX the money has not been put in my account. 


XXXX XXXX XXXX XX/XX/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 2021-05-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
You closed my previous complaint after Citizens ' Bank responded. Response was nothing short of XXXX  and I am filing this new complaint. 

Explanations about computation is fraudulent. Calculations of days in a cycle is wrong. For example - From XX/XX/XXXX to XX/XX/XXXX is 27 days not 28. From XX/XX/XXXX to XX/XX/XXXX there was 31 days. Although every month principal was paid at {$1000.00} statements for XXXX and XXXX had principal at {$28000.00}. Then in the response computation for period from XX/XX/XXXX to XX/XX/XXXX was calculated at {$5.00}?! CFPB accepted that fraudulent response?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: CBC Companies, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX NEVER GAVE THESE Innovis Consumer Assistance  ANY CONSENT OR AUTHORIZATION TO REPORT THESE ACCOUNT TO MY CONSUMER REPORT!!!!! Innovis Consumer Assistance IS BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. 

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Better Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Approximately XX/XX/2021 I applied with Better.com mortgage and provided all documentation asked promptly for a refinance ( XXXX XXXX XXXX XXXX and for a home purchase ( XXXX XXXX XXXX XXXX ). Both were denied due to " insufficient income ''. 

I provided proof I have a XXXX XXXX monthly IRA distribution. 
I provided proof I have XXXX XXXX  monthly gross rental income ( or XXXX XXXX monthly net after mortgage payments ) for a total XXXX XXXX monthly income. 
I provided proof I had over {$65000.00} in my checking/savings account. 
I provided a signed 2 year lease for XXXX XXXX monthly from new tenants on the pending home purchase. 
I provided proof I had {$480000.00} in my IRA. 

After I was denied my application for the home purchase, I paid {$280000.00} cash for the home I was hoping to get a purchase loan from Better mortgage. 

My intentions to obtain a refinance and home purchase were both denied due to insufficient income which is absurd. 

My credit score is also excellent, credit card usage is approx 3 % and all of this does not make make any sense to me why I was denied. I feel strongly I was discriminated against because of my race because nothing else makes sense to me. I clearly am credit worthy and have ample income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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:
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.

has violated my rights. Or list of inquiries 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposit a business check for work performed for a customer on XX/XX/XXXX, I was told it would 10 days before check cleared, after the funds cleared XX/XX/XXXX, I removed enough to cover expenses for the job. On XX/XX/XXXX the check had returned. M & T without any word withdrew all my money putting me in a minus XXXX balance which in return bounced my bills that were scheduled to come out. Also, M & T hitting me with service fees {$38.00} another {$38.00} and another {$38.00}. This negative balance also took a direct deposit of XXXX from a tenant for rent that brought my negative down to XXXX. M & T took it upon themselves to credit my account temporarily, I left the credit alone, after contacting M & T and discussing the fact that this is fraud, I feel its half their fault that I'd be taking more of a loss than them, the agent informed me that my account would be closed. I haven't heard a word from them till my mother called me XX/XX/XXXX in a panic stating that M & T had shut her debit card off on her account with no notice other than her bills paid with the card bounced and going to see what was wrong. Since her name was on my acct they weren't opening issuing a new card and that they were going to take XXXX from her social security check deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I believe my information might have been in the wrong hands or part of a data breach these following inquiries and account does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also account from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had some problems with PayPal credit account and was struggling to pay my bill i was very upset how it was handled and wish they were to help me out I am XXXX and struggling I wasnt supposed to have a credit card but it happened im hoping I will learn my lesson but when having a XXXX its been rough maybe up to XXXX if thats possible in that range

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 2023-02-24
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a transfer with American Express serve of {$1700.00} to pay off XXXX  XXXX credit card they said they paid the bill XX/XX/XXXX no XX/XX/XXXX with transaction ID number XXXX XXXX XXXX I let them know XXXX  XXXX did not receive the payment and they said they would look into it XXXX came up they said they did not cash it and they would they were credit my account they never did anything two weeks later I call them up about it they said that XXXX XXXX received the payment I let them know that they did not receive the payment so they disputed it again and then next time in XXXX it came back and told me that stew that's been settled and that they would not refund my money because XXXX  XXXX that already cashed it I called him up two more times which they said they would send me paperwork on how they settled the dispute never got anything the next week call about a total six times I would only get so far with their system and then they would tell me they're going to call their manager phone will always hang up I've been trying for 3 months to get my {$1700.00} back and they will not talk to me again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I've opened an American Express Checking under a promotion that gave a XXXX MR ( membership rewards ) points for meeting the terms. The XXXX point bonus is taxable and equivalent to {$300.00} usd. The terms of the promotion were met and the bonus was posted to the account on XX/XX/2023. I was given the option on the account to combine the MR points on the checking account with my credit card account. I've contacted Amex customer service through chat to do so. The representative combined the accounts ; however, upon the completion, the XXXX MR points from my checking account had disappeared. The representative assured me that I should see the point balance updated in 24 to 48 hours. I've tried contacting Amex customer service multiple times to resolve this matter as the points still haven't been posted over 1 month later. The technical glitch is due to Amex internal systems, so it's not a problem that I should be dealing with. I have copies of chat logs with Amex representatives that I can provide on request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Synovus Bank
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:
XX/XX/XXXX I filed a dispute with the XXXX XXXX XXXX agency, and I also contacted the creditor and sent all documentation that was needed to support this dispute. and the fraudulent item is still reporting on my credit report after the creditor First Progress Card sent me a letter stating that it was being removed. and as of XX/XX/XXXX, FIRST CREDIRT PROGRESS WAS STILL REPORTING INACURRACTE INFORMATION ON MY CREDT REPORT.AND XXXX  IS VIOLATING THE FAIR CREDIT REPORTING ACT SECTION 611 ( 5 ) a ) OF THE FRCA. I HAVE ASKED THEM TO SEND ALL VERIFIY DOCUMENTS WITHIN XXXX  DAYS AND THEY HAVE NOT APPLIED AND I HAVE ASKED TO REMOVE THE FRADLUENT IT OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
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:
This account does 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 non-monetary relief