BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: NEW YORK COMMUNITY BANCORP INC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
flagstar is attempting to foreclose on my home with fraudulent assignments. they have refused to respond to my qwr and notice of error as well as my notice of default on the qwr.They are also guilty of volatilizing federal law regrading l dual tracking. the were corresponding with regrading modification, i mailed the complected work package back .but instead of modifying they refereed my loan the XXXX XXXX XXXX for foreclosure

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 2022-12-25
Company: Experian Information Solutions Inc.
State: MS
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-05-10
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-10
Company: Experian Information Solutions Inc.
State: MD
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:
This is 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 2022-09-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
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 multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
In an attempt to pay a {$2500.00} vendor invoice received via XXXX, upon checkout I was solicited by XXXX to utilize the XXXX option for the billed amount. 

Upon applying for the solicited proposition, I received a notification that additional information was required. 

Upon calling XXXX, I was notified by their representative that the amount requested was not within range of the allowable limits within the program and that the cap was {$1500.00} I was more than welcome adjust my amount requested down to the allowable limits of {$1500.00} XXXX explained the problem in this was that I'm very credit conscience and the negative impact I'm facing is a new a inquiry for each of the three credit bureaus, lowering my credit score as a result of the solicitation for an amount under their program that I was never eligible for. 

My request was that the hard inquiries be removed as I was solicited under a false/unclear pretense of " bait and switch. '' The response received was along the lines of ( paraphrasing ) " You'll know better next time; you should have read the fine print before applying '' " Caveat emptor - or " buyer 's beware '' in a sense. 

I explained there should be such a necessity when your company solicited me directly for the amount that was clearly disclosed on the invoice for an amount that you knew exceeding the guidelines of the program. 

After a few rounds of attempts to convince me to apply for the available {$1500.00} to which I vehemently denied as I had other payment options, I requested to speak to a manager. 

The manager XXXX would not address the reason I was solicited in the first place and backed up the position that the hard inquiries could not and would not be removed and after a long pause, he just hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: DISCOVER BANK
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Discover Card in XXXX NC made an UNAUTHORIZED DEBIT from my checking account on XX/XX/19 for {$100.00}. The last time was was authorized 17 months prior to this debit. I stated at that time this was 1 time and 1 time only!!! If they ever did this again I would report them. {$79.00} in fees later. I need them to refund the {$100.00} plus the {$79.00} plus a pain in the XXXX fee {$50.00}. 

If I have to close this account like a friend had to { yes it was Discover } because of this fraud the fee goes up to {$250.00} and whatever penalties you slap them with. 

For whatever reason they think a check by phone is whenever they feel like it. I am on EBT and doing the best I can ifinancially. I told them after I shut down the credit cards I would pay them what I could to pay off the balance. I have not lied to them or run from. 
Trying to find affordable housing, a job, education oppertunities has been difficult enough with out takin time to run around and take care of going to the bank twice, going to a vendor twice, multiple calls ect. 
I did not need or want this XXXX. 
2nd submission got no response to the first one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a XXXX XXXX and travel a lot, one day i lost my wallet years ago with just my drivers license and social never to expect that someone would take out a car loan under my information.

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 2023-01-05
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home was damaged by XXXX XXXX. An wind insurance claim check was received by the homeowners from XXXX XXXX in the amount of {$75000.00} payable to the homeowners ( XXXX and XXXX XXXX ), Truist Bank ( mortgagee ) and the homeowners public insurance XXXX. The check was sent to Truist Bank, Loss Draft Department XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX for endorsement by Truist and return to homeowners. 

The check was received by Truist XX/XX/XXXX. On XX/XX/XXXX I received a letter from Truist dated XX/XX/XXXX saying that they were going to hold the money and only release a portion of it once homeowners provide the insurance adjusters report and a signed XXXX XXXX. Additional funds from the insurance check will only be released following inspection of the repairs by Truist. 

I immediately called Truist to request the funds be released, they refused. 

The funds are needed immediately for hurricane repairs. The amount outstanding on the mortgage is {$64000.00} approximately {$11000.00} less than the funds they are refusing to release. Additionally the value of the land alone is at least 4 times the amount left on the mortgage. Truist has absolutely no need to withhold the funds, the money owed on the mortgage is more than secured by the land value alone.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have account with XXXX Bank for 15 years. I have never been late on payment with any credit card or any loans. I lost my credit card in XX/XX/XXXX and XXXX Bank sent me new credit card. I start using credit card but I never received any bank statement from XXXX Bank. 
I find out from XXXX Bank in XX/XX/XXXX that I did not pay my credit card bill for {$46.00} in XXXX. I told them that I was not able to see new credit card on my XXXX mobile application or did not receive statements. XXXX Bank gave late fees back but refuse to remove 30 day delinquency from my credit report. 

I never every been late on any kind of payment. XXXX Bank XXXX told me that XXXX XXXX did not merge my personal profile with business profile so I was not able to see new credit card under my XXXX XXXX XXXX. He did noted about error under my profile. I am disputing delinquency for late credit card payment with XXXX Bank.

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 2019-10-30
Company: SCA Collections, 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:
I am contacting you in dispute of the below collection agency, recently the credit bureaus determined this account was correct despite my dispute for the health care agencies reasons listed below. To date these negative accounts are appearing on my credit report. In my opinion these were unfair or deceptive business practices. The billing person ( s ) failed to process these medical bills in accordance to the Office of Workers Compensation/Bill Processing, neither did they contact me to utilize my secondary insurance once the bills were denied payment. 
XXXX XXXX XXXX XXXX SCA Collections ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( Collecting for 2 ) XXXX, NC

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make a 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 any reasonable cause to believe that the information is inaccurate 15 U.S.C 1681a ; Rule of Construction : it states a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the 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 non-monetary relief
Consumer complaint received 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/2022 I pulled my credit report and notice a nuremouse amount of blaten inaccuracy being reported on this account. 
XXXX XXXX XXXX # XXXX. I have contacted Transunion to get the inaccurate information remove. They said they verified it as being 100 % accurate. How can this be possible, if the account is showing 3 diffrent last active dates Transunion has XXXX, XXXX shows XXXX and XXXX is showing XXXX as last payment. 
According the the FCRA, all information in a Consumers file must be reporting accurate or it must be deleted immediately. I have inclosed proof of the inaccuracy and it is still being reported on my consumer account as verified and accurate information, which is a definite Violation.

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 2023-08-29
Company: JPMORGAN CHASE & CO.
State: PR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid the balance due on my credit card, by the due date and I was charged interest. I called the credit card company and spoke to customer service supervisor XXXX. She refused to give me any additional information to identify herself. She explained that they employ a very tricky/confusing method of charging interest that is hidden in some small print in their terms. I typically pay off my balance every month, so I had no idea that they not only will charge interest on the balance carried over from the previous month, but then they also will begin charging daily interest on your purchases that month as well. If I would have known this, I would have immediately paid off my balance, but since the statement gave me an amount and a due date of the XXXX, thats when I paid off the balance. Since there was this confusion and I was not notified of a change in how they were calculating my interest charges, I requested a one time waiver of the interest charges and Chase refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
The following account should be removed from my credit report I do not owe this debt. 

XXXX XXXX XXXX Opened XX/XX/XXXX + {$910.00} Original creditor : XXXX XXXX  and XXXX XXXX XXXX Opened XX/XX/XXXX + {$1200.00} Original creditor : 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 2022-12-15
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:
I do not believe that an investigation was done because there are still unauthorized inquiries on my report. I have already filed a report and sent letters to the credit bureaus XXXX months ago explaining that the inquiries being reported are not correct. I will attach the letter with this complaint. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following from my Experian report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTN - XXXX IS A DUPLICATION WITHIN THE TIME FRAME THAT ONLY 1 INQUIRY SHOULD SHOW UP. ITS AN ACTIVE ACCOUNT BUT ONLY 1 ACCOUNT 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 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 2023-09-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Due to the COVID-19 pandemic I was left in a financial crisis. The apartment complex I was living in started harassing me, doing routine checks of my place and unfairly fining me for things that were untrue. There were some fire hazards that were not taken care of the day I moved in and I was going to take them to court over it. The problem is that I was unable to pay rent for a couple of months and they were going to evict me and take me to court for the money. The place was rat infested with huge holes all over the apartment. It was literally uninhabitable, I ended up abandoning the apartment and leave my things behind to start a new life in XXXX. After a year I noticed a collection on my credit report with their information about the debt I owed to them. I never received a collection letter and I am at a loss now, since it's on my credit report. The exact date and amount reported on my credit file is XX/XX/2022 for the total amount of 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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER Starting in : 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make a 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 any 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