BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
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 numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2022-02-16
Company: PLAZA HOME MORTGAGE, INC.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After making only XXXX mortgage payment to the lender that our builder wanted us to use, our mortgage was purchased by Plaza Home Mortgage ( PHH ) and their loan servicing is the worst experience I have ever had. We made a normal mortgage payment for XX/XX/2022 which was processed by the company on XX/XX/XXXX. A few days later an additional payment was submitted to the company in an amount of about {$48.00} dollars more than the normal monthly payment to be applied to the principal. The payment was processed 6 days later on XX/XX/XXXX as a regular mortgage payment and only {$48.00} was posted as additional principal ( principal curtailment ). I immediately contacted PHH and they said they would adjust the amount. Several days passed without action and I called them again. I was told that the action was to be taken XXXX, XX/XX/XXXX and would be back dated to when the processed the payment incorrectly. The agent admitted that the transaction was posted incorrectly. The correction is still not made. The company obviously is and I will be calling again today to add an additional complaint. I have to wait until after XXXX XXXX XXXX when the XXXX representatives who can actually handle the issue start working as their call center is off shore and these agents are not helpful in resolving any real issues. Their hold times are excessive as well. This is not the first problem I have had with PHH, as when they first took over the loan, they did not post all of the funds that were held in escrow. The missing amount was under {$50.00}, but it took several calls and days to correct the escrow amount. Another issue was that PHH had listed the annual taxes at about a fourth of the amount that would be charged by the county, which would result in a huge deficit in escrow balance. The original mortgage company had a more accurate figure for the taxes but PHH came up with an amount from XXXXhe county for the previous year when only the land was taxed before the home was built. An additional issue was that we switched homeowners insurance companies right after closing resulting in a higher annual amount and it was extremely difficult to get the monthly escrow amount corrected for this increase. Plaza Home Mortgage is very difficult to work with and I do not see that they are able to handle any mortgage properly. I can not wait unit our loan is paid off which will be ASAP. 

Someone needs to review the practices of this company, as I am sure I am not the only one who is receiving poor service from this company. There should also be regulations in place to prevent companies such as this from buying mortgages without the consent of the mortgagor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 i purchased 2 garment bags from macys- using their credit card. On XX/XX/XXXX they claimed the items were delivered to me- they were instead delivered to a store. On XX/XX/XXXX i called Macys customer service and requested a refund and they agreed to a refud. On XX/XX/XXXX Macys emailed me denying a refund for the items- claiming it was delivered to me. The merchandise was never delivered 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 2022-10-28
Company: TD BANK US HOLDING COMPANY
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. This consumer violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-02
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

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 2023-05-13
Company: EQUIFAX, 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:
Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX  XXXX XXXX Balance : {$29000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX XXXX are not complying causing me discrimination and they admit to it neglected XXXX past time to fix by law.wheres the protection

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart
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 status incorrect

Complaint:
I previously disputed the repossession on my account through XXXX and it came back that it was accurate but I have paperwork that shows that the balance is {$0.00} and the account was cleared off XXXX XXXXXXXX XXXX credit and she was the primary account holder so it should be cleared off my credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is a complaint against TD BANK, specifically the fraud, claim and resolution department, the bank without notifying me made the decision to block my accounts and then close them, because I made a transfer of {$10000.00} from my business account to my personal account with TD BANK, in less than 24 hours the bank decided to block my funds arbitrarily without any kind of explanation, I think it is an abuse of authority and disrespect against me, because if I am the owner of the account and I want to know why they do not want to give me the funds that belong to me, I can understand that those funds the bank refunded me for a fraud that they made me online with purchases in cryptocurrencies that were not made by me and the bank put me a temporary credit for me to use, but I don't understand why they put and then blocked me without any explanation, now they blocked my account and left me without money, they are my savings, I don't have to pay rent, I don't have to pay utilities, I don't have to pay for food, they left me practically in XXXXhe street, I am on the verge of madness economically and with a resolution for 90 days, I feel and believe that the bank is stealing my savings and money I think, because 90 days is too long and as I live in those 90 days how do I get for my food, my rent, utilities, help my daughter, they left me like a pauper and more in these strong times of pandemic, they are abusers and disrespectful for these hard times and make me wait seriously 90 days? It seems to me an abuse and lack of everything. 

I have gone 2 times to the bank to try to solve this huge problem and the workers do not even pay attention to me, which is very serious for me, I have a XXXX XXXX XXXX girl and I do not know what to do, since they do not pay attention to me at the bank and do not want to help me with my big problem, I had to go to this organization that helps and protects the consumer because for me it is a serious problem, because it is about my economic and emotional stability of me and my family, I think that TD BANK is handling this problem in a very rude way, how can they give me 90 days to solve this? They don't care because they have a lot of money and they are millionaires, they don't pay attention to the people, it must be that the investigator of the case has no family to put me this big obstacle with my problem, he has no scruple, he doesn't care to play with the single mother and as the bank has the power he plays with the people 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions 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:
XXXX IS REPORTING XXXX MULTIPLE TIMES UNDER XXXX XXXX updated account information. THIS ACCOUNT XXXX IS A PAID IN FULL ACCOUNT AND ITS BEING REPORTED UNDER XXXX XXXX IN FOR XXXX " ADDED TO ACCOUNT '' with no information not even saying paid The account are paid. It's just there reported multiple times.

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 2023-07-09
Company: EQUIFAX, INC.
State: RI
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 contacted this agency in XXXX the information is inaccurate. i have never given anyone my permission or consent to report my private information. as a consumer i demand all information on my report be eliminated as the law protects me from this fraudulent reporting. and you know what i am referring to.my credit has dropped. due to several inaccurate reporting and never have you verified by law my credit or the third parties reporting, stop and desist. take all information off my credit inquiries i do not recognized how is it possible i reached out to you and told you what was going on and you have done nothing you are in violation of several laws as a consumer you are violating my rights i do not want anything reported as you can not and do report accurately. 
stop clear up this file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: TX
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 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-27
Company: Alorica Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX. I am a Natural Person. This complaint is in reference below Reference Account XXXX SST, a third party debt collector reported to my consumer report an alleged debt that they have not provided validation of. They also violated my rights under the FDCPA as a consumer, attachments will be provided. There is minimum of 3 violations per each communication received and I have in total 30+ communications resulting in over 90 violations of the FDCPA. 

Further more, as required by 15 USC 1692g ( a ) 3 and ( a ) 4 of said subchapter, SST failed to provide me with notice that I can dispute the validity of alleged debt within 30 and that if I failed to do so they would assume its validity. 

I did not give authorization to debt collector to communicate with me the Consumer as stated in 15 USC 1692c. 

This company reported an alleged debt they have yet to prove, resulting in a XXXX point decrease in my Consumer Credit Score. I have no Contract with this company. As a result of this action it has harmed my name, credibility and creditworthiness which in turn effects how I support my family. Action I do not take lightly. 

Due to the willful violations of the FDCPA ( over XXXX ) and the failure to validate or proof this debt exits as well as produce a contract that binds me and Systems and Services Technologies. This debt doesn't and hasn't been proven to exists. 

Since they have made an allegation that I, the consumer owe a debt, This company shall provide the following : XXXX ) Legal Contract between myself and Systems and Services Technologies , Inc exists. 
XXXX ) Proof of said legal contract. 
XXXX ) Proof they are in possession of Original unmarked Security Instrument bearing my signature XXXX ) Confirm or deny to having brought alleged debt from original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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:
TRANSUNION IS REPORTING XXXXT MULTIPLE TIMES UNDER XXXX XXXX updated account information. THIS ACCOUNT XXXX IS A PAID IN FULL ACCOUNT AND ITS BEING REPORTED UNDER XXXX XXXX IN FOR TRANSUNION " ADDED TO ACCOUNT '' with no information not even saying paid The account are paid. It's just there reported multiple times.

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 2022-10-28
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i paid my monthly ( every month a problem ) This time they did not send all of my payment back but rather they applied it all to principle and none to the payment! I overpaid {$5.00} to make it an even {$2300.00} like I have always paid. Now they jacked me for a late fee and now my credit is also at risk. I have wasted over XXXX hours on the phone this year alone! Now the newest trying to get me event has a case number which is XXXX. This company does something to me every month! I have filed previous complaints to you and they just lied to you and you closed the case. I got a letter from them saying my house was abandoned. They sent me multiple payments back and denied doing so. They even called me late one night and swore at my wife and I. They told her to shut up as " the men are talking '' and even called her a ( XXXX XXXX several times. I am blown away that this company is able to do things like this monthly to me and get away with it. I filed a better business bureau complaint and an attorney general complaint. All dead ends. Who else is there to stop this madness??? I can't keep doing this. I'm going to be the first person to shoot themselves over the stress of loosing my family home to the most unscrupulous mortgage company on the planet. All I ask is for some real help here. I can't do anything as I'm just a citizen and military veteran. I just want the nightmare to end so please, please for God 's sake help! 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 2023-10-03
Company: Comerica
State: NV
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was waiting on a new direct express card to come via ups and I never received card the carrier just left card on my door step and someone stole it and used all my ssi money I got for the month of XXXX I don't know who it could be I have a lot of family and friends that come over and some know my personal information I'm very upset that no one had to sign for this being I'm already a victim of fraud with this company this is my minor XXXX son 's income I'm a advocate for him because of this my rent is late I risk getting eviction notice I learned card was already used when I called in on XX/XX/2023 and spoke with agent informing me card was activated and used at ATM for the entire amount of XXXX so I filed complaint and submitted fraud packet via email on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: NV
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 response to consumer: Closed with explanation