BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2021-06-18
Company: BSI Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
BSI Stole from escrow {$1000.00} additional dollars claiming to pay PMI. BSI has been notified multiple times of the stolen money from my escrow. They paid PMI {$300.00} for the months of XXXX, XXXX, XXXX, XXXX, and XXXX for a total of {$1500.00} when it should have been {$510.00}. BSI has refunded my account XXXX and {$510.00}. My escrow account is owed an additional {$200.00} that has been STOLEN by BSI and they are now trying to collect from me. When you charge someone three times the amount they owe you MUST return the two times that did not belong to you. BSI refuses to return my full amount and have stolen the money. I want my FULL escrow refund of {$1000.00}. This is the third time I have filed this complaint when will something actually be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: PA
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 do not remember opening this credit card.

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 2023-04-27
Company: Affirm Holdings, 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:
I attempt to submit a dispute advising account does not belong to me to and account came back as accurate. Not sure what type of investigating they say were complete but im sure it was not done accurately. Actually alot of these disputes are not even investigated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: NEW YORK COMMUNITY BANCORP 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: Account information incorrect

Complaint:
I had an small mortgage on my vacation home with a company by the name of XXXX XXXX. 
XXXX XXXX sold my mortgage to Flagstar bank on XX/XX/23. I had a notification in my email from XXXX XXXX, so I called them and aske since my mortgage payments are automatically withdrown from my checking account do I need to do anything and I was told " NO '' all information has been copied over to Flagstar bank, and I was advised as procaution check my bank account for the next month and if flagstar bank has withdrown the payment " I AM GOOD TO GO '' there is nothing else to be done. 
On XX/XX/23 I received an email from my credit protection that Flagstar bank has reported me as deliquent over 30 days, I called Flagstar bank and I was told that they only withdraw paymnet for 60 days and I ma responsible to call and setup myself as a new customer and give them my bank information and such, I asked them why didn't they contact me and according to the, they had, even though when I asked they did not have my new address neither did they have any record of them trying to contact me, and I was told that they do not use email in the mortgage dept. I corrected my payment and the proceeded to payoff my mortgage too. I filed a grivence with the bank and I was just notified that they will not withdrow the reporting to credit agencies, My credit score was XXXX, and has nver been less than XXXX, but now it is XXXX. I have worked so hard to keep up my credit but now I have to wait 5 years to remove this blemish from my record. I need help to force Flagstar to remove this reporting from the credit reporting agencies. 
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 2023-04-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 - I tried to withdraw {$100.00} in {$1.00} and {$5.00} bills from the ATM of the Chase Bank located at XXXX XXXX XXXX XXXX XXXX XXXX. The ATM did not give me the cash or a receipt. Immediately I filed a complaint over the phone. They gave me a temporary credit while investigating. 

On XX/XX/2023, without completing the investigation, the credit was reversed. And I called again, they say the investigation is in progress, and the branch has not responded. 

On XX/XX/2023, I went to the branch in person, after waiting over 1 hour, the associate called the phone line from Chase and they said the investigation is still in progress and they will credit my balance again. 

As of today, XX/XX/2023, I have not received a credit and don't have a status about the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My company XXXX, XXXX acquired XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) in XXXX of 2021. 

I opened an account with Suntrust and informed them of the acquisition and that we would need to be able to accept checks from the acquisition. 

We deposited {$7400.00} ( 3 checks ). Within two weeks, sun trust closed the account XXXX XX/XX/2021 ). 

Since then, we have provided all documents suntrust has requested except our customer 's bank statements. We do not have access to our customer 's bank statements and that is very unprofessional for us to ask of our clients. 

We provided Suntrust with our registered DBA with the florida division of corporation and the purchase agreements and all relevant documents that clearly identify XXXX as the owner of the business. They refuse to provide us the funds until we give them our customer 's bank statements which has nothing to do with whether the funds are ours, which is clearly identified with the documents we have.

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 2023-08-13
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off the final amount of XXXX and some change so I could be done with the account. They charged me a {$2.00} interest fee.. and a late fee for the XXXX that they said couldn't be taken out on time even though it came out of my account when they finally decided to take it. So I said whatever, I'll pay it. Tried paying {$20.00}. They didn't take it out on the day I scheduled it, instead waiting several days. I never even got a notice that they tried to withdraw it nor did I get a transaction declined message from my bank, meaning no attempt was made & I was charged a late fee for no reason. My balance went from {$2.00} to {$72.00} AFTER I paid off the account. I've messaged them several times and they just give me a generic response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Aargon Agency, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I received texts and voicemails from the Aargon Collection Agency, a debt collection agency specializing in medical debt. They did not say what I am supposed to owe or to whom. I had to go to the web to find out whether they even existed. I do NOT owe any medical provider. I have not had a serious illness in years, and the fees for all my routine doctor visits and tests are paid promptly, in full. Moreover, I have not received any snail mail correspondence indicating any unpaid medical charges, much less to whom such charges might be owed. I do not wish to communicate with this agency, because friends ' and family members ' experiences indicate collection agencies do not care about the validity of the debt. They only wish to hector you into paying.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2022-10-15
Company: Experian Information Solutions Inc.
State: OH
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:
On XXXX of XXXX I have attempted several times to contact XXXX, XXXX, and Experian about violating my rights under the FCRA. I have listed the accounts below which is requesting to have them deleted from all three credit bureaus immediately i will also state the law which violated my consumer rights. 
XXXX XXXX Dept of EdXXXX  in the amount of XXXX account number XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX 15 US, Code 6802 states a financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card, deposit account, or transaction account of a consumer to any nonaffilliated third party for use in telemarketing U.S.C 1681 section 602 A states i have the right to privacy.

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 2023-08-13
Company: Grain Technology, Inc.
State: VA
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:
When I signed up for this line of credit my checking account was linked and payments were made automatically each month. At some the company experienced some technical problems and they could no longer link my checking which I was not made aware of. Once I checked my account I saw a minimum amount due and paid it in the app as a one time payment using the same account they were supposed to have connected. I verified that my bank has not refused any payments by grain. I tried to find a number to contact them but could only try by sending email correspondences and requested they call me. I had no way to re-established auto pay and no one to discuss any credit issues due to there own system failures. I tried for 2 months and I even paid the account in full became they simply can not fix there issues. They reporting my account delinquent In error and I have pleaded with them to make the corrections asap as this is affecting me adversely I have even paid them in full. According the the BBB they have a substantial amount of complaints regarding this very issue. I also noticed they deducted an annual fee of XXXX and a payment during the month that they claim they could no longer connect to my checking account which appears to be a glitch in there system. I was not aware that the fee would be deducted from my checking account instead of just charged to the like most fees and did not provide permission for this yet they are reporting my account delinquent when in fact they took out more funds that they were entitled to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Resurgent Capital Services L.P.
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:
the accounts listed here were reported on my credit report without any authorization, review dentity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XX/XX/XXXXAccount XXXX : XXXX This is not mine. 

4. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

5. Identity Theft XX/XX/XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft XX/XX/XXXXXXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
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:
To whom this may concern, I am submitting this complaint on my own behalf to address an issue with a Consumer Reporting Agency named EXPERIAN. On or about XX/XX/XXXX  I submitted XXXX  documentation that determines that I am a victim of XXXX  and the Identification of the negative information that resulted from XXXX. Specifically I provided a XXXX  Victim Letter, Self Attestation, Proof of Identification from a state governmental agency and a Proof of Mailing to EXPERIAN. to have information that resulted from trafficking to be expunged from my Consumer Report. As of XX/XX/XXXX  EXPERIAN continues to negligently furnish the adverse information that Is result of trafficking and it is causing me stress because I am attempting to move on from the damages I have received due to the XXXX  and it still continues to haunt me through my consumer reports and it prevents me from extending my consumer credit. It is not fair for a consumer to due everything in their power to address a Consumer Reporting Agency to uphold their grave responsibility with fairness and for a Consumer Reporting Agency to continue to act negligently. After Five Buissnees days of Submitting the information to Experian I have not received a request for more additional information. This is stressing me out and its also taking affect on my household. I am unable at this time to obtain household goods and services for my family due to this adverse information. Experian has been operating negligently and it's causing me damages. I can't sleep probably, I'm constantly crying, my children are worried and feel hopleless as they are unable to help me in my situation. I also feel drained and tired and feel like giving up as I am trying everything in my power to move on but its so hard with this adverse information haunting me. its making me depressed. I informed my doctor about the situation and they've suggested I see a XXXX  and made a referral to do so. I am hoping that the XXXX  can help me proceed forward. I have also been prescribed XXXX  to deal with the emotional trauma but I never began using them as I don't want to have to depend on them as that may lead to addiction or ungodly habits. I am in fear of my life aeveryday and I am trying to fix my financial situation so I can provide myself and my family a better life so they never have to endure the thing I have. Please help. I have attached the information I have shared with Experian.

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 2023-08-14
Company: Guild Mortgage Company LLC
State: GA
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:
This letter Services as a formal complaint that you are reporting inaccurate and incomplete information on my Credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date, and balance whether reported or not. [ Guild Mortgage - Acct. No. XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must first verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed Never Late ) according to the consumer protection laws. 
15 US Code 1681A, Para.2, Sub.Para A. Sub.Sect.I states that Transactions are not included in the Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$2600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. On XX/XX/2021, I submitted letter to the three reporting agencies ( XXXX, Transunion, and XXXX  in regards to some inaccurate information that was reporting on my credit report. This is very concerning that I have not heard any results of their investigation regarding the erroneous information showing on my 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 2021-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation