BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) 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 2022-09-19
Company: Experian Information Solutions Inc.
State: MN
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 following accounts and credit inquiries listed on my Experian and XXXX credit report was opened without my authorization and the accounts and credit inquiries are fraudulent accounts and credit inquiries : XXXX XXXX  XXXX {$280.00}, XXXX XXXX XXXX XXXXXXXX XXXX {$380.00}, XXXX XXXXXXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX XXXX {$5600.00}, XXXX XXXXXXXX XXXX  XXXX {$580.00}, XXXX, XX/XX/XXXX and XXXX XXXXXX/XX/XXXX XXXX Full Name : XXXX XXXX XXXX, XXXX : XX/XX/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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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.

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 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 2022-09-19
Company: Experian Information Solutions 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 3 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 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 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 2021-10-15
Company: Novad Management Consulting LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Thank you in advance for your valued feedback and assistance. I acquired a home inXX/XX/XXXX in the XXXX XXXX  XXXX and the State of Florida. This was a suggested loan based on loan originator conversations and meetings regarding several properties. After residing in the home for eight months it was determined the home was far too aged for a family structure of mines at the time and one that demands technology connectivity to operate in distance working, school, and other research assignments. The mortgage was sold and transferred to another Loan Servicer while I officially changed my name, experienced family causalities, and was hit with three named hurricanes and tropical depressions. Because of the conversations, natural disasters, and temporary loss in income. The home has declined into subpar living standards. It is a family home for my daughters where we have experienced discriminating rental rates that compensate the needs of management companies and owners that exempt themselves from evaluating, restoring, and maintaining a home. This has been one of the driving reasons why I have not placed the home on the open market. Many social security number holders have been impacted by predatory lending, commissions, and fees. XXXX holders are serviced with a different system of practices that leaves many questioning the real estate industry as a whole. I am a natural-born citizen and resident who strongly welcome all but feel I was sold into an income opportunity scale that is yet to be truly appraised based on the soil, growth potential, and wind conditions that bury people prematurely. I don't want to lose ownership of the property line, land and without communication from the new loan servicer, I feel I am being guided to add this debt to the treasury for cancellation and clear deed and title ownership to my name. Novad Management Consulting OKLAHOMA OFFICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THIS IS NOT MINE 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 2023-02-22
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$28000.00} DEPT OF XXXX / XXXX XXXX Balance : {$28000.00} DEPT OF ED/XXXX  XXXX Balance : {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$28000.00} DEPT OF XXXX / XXXX XXXX Balance : {$28000.00} DEPT OF EDXXXX XXXX Balance : {$28000.00}

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 2022-12-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00}

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 2020-08-05
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've had a great relationship, or so I thought with Discover. They decreased my credit limit!! I've even paid this account off numerous times, and this is the thanks i get!!! They're practically stalking me via my financial information, and I always make WELL above the minimum payment!!!!!!!!!!!! In this midst of this pandemic, this is unacceptable.I 've had lower credit scores and high balances, and now they're doing this to me!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I attempted to payoff my HELOC with Flagstar Bank ( $ XXXX ) on Flagstar Bank website but received an error message that I could not make a payment online and to call XXXX. Once I got through to a Flagstar representative, I asked why my account was blocked from making a payment online and I was told she didn't know but could make the payment over the phone. I asked to pay the outstanding balance of XXXX $ XXXX but was told the most I could pay at one-time was $ XXXX per day. I said " ok '' to reduce my outstanding principal balance and reduce my interest charges. 

I then confirmed on the website the payment went through ( which it did ) and noticed that I was charged a {$30.00} fee for making the payment over the phone with an agent. This was not disclosed to me and I had no alternative route to make a payment and feel this was very deceitful and deceptive by Flagstar. 

Additionally, I was also able to schedule a second $ XXXX payment for the following day ( XX/XX/XXXX ) on the website ( which I scheduled ) and I incurred no fee. 

On the morning of XX/XX/XXXX, I attempted to pay the remaining ~ $ XXXX balance on my Flagstar Bank HELOC and again received an error message stating I had to call XXXX. After be hung up on and transferred several times, I was connected with a representative in the mortgage department. 

She was able to assist me in scheduling the ~ $ XXXX payment and offered to close my account as well ( this option was not offered when I spoke with a Flagstar representative on XX/XX/XXXX ). She was very helpful and did disclose that I would be incurring a {$30.00} fee ( even though my HELOC has no prepayment fees ) because I made a payment with an agent over the phone. I had no options to avoid this fee and am infuriated that it cost me {$60.00} dollars to pay off my loan because the website wouldn't allow me to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Transaction as Credit of {$3000.00}, which never was placed back into my account from XX/XX/2018 claim # XXXX. On XX/XX/2018 transaction in the amount of another {$3000.00} was taken out my account without my authorization putting my account back in an negative balance. Bank of America using the same claim number and not creating a new claim number when I called to talk to XXXX, ID # XXXX on XX/XX/2018 @ XXXX XXXX she gave me the same claim number for another transaction dispute done on XX/XX/2018 in the amount of {$3000.00}, for XXXX again. I called XXXX   on XX/XX/2018 spoke with XXXX  and stated that my account was hacked and confirmed the two transactions that I made with XXXX. XXXX  placed an alert and merged my accounts together for me. I find that another transaction in the amount of {$3000.00} done on XX/XX/2018 for an temporary credit adjustment for claim # XXXX, but was not issued on XX/XX/2018 into my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-27
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:
I have a XXXX XXXX account with an account number ending in XXXX. I wrote to the bureaus requesting an investigation into this since I didn't feel it was reporting accurately. 

I received a response from the bureaus saying it has been verified, yet I got a letter from XXXX XXXX which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify this properly therefore it should no longer be 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 2023-10-19
Company: Experian Information Solutions Inc.
State: PA
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 is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-08-17
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, Scammers were able to access my savings to transfer XXXX to my checking account. I was lead to believe the transfer was a deposit made by the callers and was told I should send a wire transfer for the amount to their account at XXXX XXXX in California. I went to my America First Credit Union to make the wire transfer. The teller asked if I had done prior business with this company. I replied XXXX because the scammers told me they were from a company who I paid to fix my computer back in 2021. My complaint is that the teller and his supervisor were perfectly aware that I was being scammed, Still they allowed the wire transfer to take place. I spoke with another tell at that branch about policy and procedures regarding these types of scams and she told me that they are supposed to inform the customer of what they see is happening and stop the scam from being completed. My complaint is procedure was not followed by my teller even though he was totally aware I was being scammed. I pay extra for premium checking which gives extra protection to your savings account. making it harder for someone to hack. My other complaint is with the branch XXXX who failed to try and stop the transaction with XXXX XXXX even though it was reported less than XXXX minutes after, I want America First to take responsibilities and make up the loss which could have been prevented. This is a joint account but your form only allows for XXXX name to be entered as the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Innovis
State: KY
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 attempted to purchase a home and the lender pulled a hard inquiry on XX/XX/18. He told me later that they might do a soft pull for some items but would not be doing another hard pull. On XX/XX/18 both the lender and the agency they work with did hard inquiries. I was never told there would be two on the XXXX and was told they would be soft inquiries. My loan was ultimately denied ( they texted me to tell me- no call, email or any documentation ). I am not happy that three hard inquires came from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/18, a check ( # XXXX ) for {$420.00} was issued from my XXXX cash management account to service provider. I had issued checks to this service provider successfully via XXXX 's online bill payment feature before this. 

The check was cashed by an unknown and unintended party. XXXX obtained the cashed check from their bank vendor ( XXXX XXXX  ). The  check was endorsed with a stamp that reflects " Santander Bank ''. However, the account and account name are not legible on the back of the check. 

Per XXXX 's instruction, I submitted a notarized fraud affidavit in XX/XX/XXXX to XXXX. I received a confirmation letter from XXXX stating the remediation process could take up to 10 weeks. I have called XXXX periodically to obtain an update and request a provisional credit. XXXX has consistently stated that they are awaiting confirmation that XXXX XXXX  has received confirmation from the bank that cashed the check ( Santander ) and they can not provide a provisional credit or " make me whole '' until then. 

My complaint is regarding Santander 's untimely processing of a fraudulent claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX sent me a letter 3 months ago saying I owed {$6000.00} on debt that I made payments from XXXX to XXXX and that I still owe {$6000.00} and that if I can pay them {$2900.00} immediately that would take care of it I threw and I thru the letter away. They called last week demanding I pay this money immediately or they're going to take my house and car they also name dropped XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in trying to shame me into paying. They ( XXXX XXXX XXXX said it was a credit card through HSBC XXXX and when I called HSBC they informed me that they have no record of anything. It's been too long and it's been dropped. These people are scammers and won't leave me alone please help they took pictures of my house with me and my car I caught them one day they know what kind of car I drive and they threaten to take it from me it's a XXXX  XXXX and they mention that specifically so anything you can do would be a great help thank you so much please get in touch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: WI
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ALDOUS is claiming that I owe them {$270.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation