BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
To : consumer protection Financial Bureau/TransUnion TransUnion has failed to follow Fair Credit Reporting Act and Failed to investigate incorrect information that has been reporting on my credit file. I had a great job opportunity with XXXX XXXX as an insurance agent and I can no longer work due to the failure of TransUnion not investigating my credit file and making corrections to my credit file. I am including my certified mail that I have been sending to TransUnion for the past 4 months. I am including a copy of the I will also include a copy of the police report that my identity was compromised in 2019 and I have a police report with the city of XXXX. 
Unfortunately, my mail was also stolen for the second time that it was delivered to my house. I wasn't left by XXXX and all my bills and identity was stolen. providing my police report and all identity information to XXXX and XXXX the correction was made to my credit file. TransUnion has failed to make the correction. This is my last attempt through Consumer Protection Bureau the correction to be made to my file if any of the information or not verifiable by law they must be delete it for my credit file,

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 2022-10-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This is XXXX XXXX complaining about your failure to respond to my request to provide MOV, I sent it on XX/XX/2022 and it has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal action if that's what it takes for you to take this matter seriously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I have requested a method of verification from each credit bureau. Each time the credit bureau has neglected to provide me their method of verification. This is my third tie=me submitting a complaint and my FCRA rights are being violated as I have a right to the documentation they used or receive to verify this debt. They keep coming back with verified by the furnisher, how and what proof do you have or the furnisher that verify this debt as the court do not verify. These XXXX credit bureaus are playing games and is stalling, it took them over 30 days the firs time and again I asked for A15 day method of verification and still again nothing. Under FCRA Section 611 they have to provide their method of verification and you guys are keep closing my XXXX disputes. I want this public record DELETE NOW. I WILL SUE FOR WILLFUL NON-COMPLIANCE UNDER SECTION FCRA B 616. THIS IS MY THIRD XXXX DISPUTE AND THE CREDIT BUREAUS ARE IN VIOLATION. DO NOT CLOSE MY COMPLAINT UNTIL THIS ITEM IS REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Paradigm Assets, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted this company via certified mail explaining to them that this debt is not mine and doesn't beyond to me. I explained to them that it did not belong to me, I disputed previously with another debt collection agency, XXXX XXXX in court and it was ruled in my favor, and removed from my credit report. I have asked them to send me proof of the alleged debt under the fdcpa act, you must provide the original written contract for the application of credit with my hand written signature as pursuant to law 15 usc 1692g, I am the original creditor, only I can validate this debt, and I DO NOT validate this debt. They have a statement from the alleged credit account which is not sufficient enough evidence to support their claim of that I owe the alleged debt. Pursuant to law 15 usc 1692g ( a ). You were to notify me in writing before, reporting this on my behalf to the credit bureaus 5 days prior, and I was not. You failed to provide me written notice which is violation law 15 usc 1692g. Their practices are abusive, unfair, and deceptive and I will be forwarded this to my finance attorney, seeking damages in the amount of {$1000.00} dollars plus legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: First Credit Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I cancelled the XXXX membership with manager within 2 days. I asked for 1st months money returned-manager Refused. Manager shut off entry key card immediately-I had no entry. Collection and XXXX, Gym manager, refuse to Prove entry because entry key card was off-there was none. I never received any bills, invoices, late payment notices before today. All of this is a Lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: ALLY FINANCIAL INC.
State: MA
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:
Pursuant to 12 CFR 1006.30 a debt collector may not furnish information regarding a debt to a credit reporting agency without consumer 's consent. However, in addition to consistently furnishing information regarding this alleged debt, on XX/XX/XXXX ALLY FINANCIAL reported a late payment in my name to XXXX ( see attached ). 

Also, on XX/XX/XXXX I requested that this alleged debt be validated by ALLY FINANCIAL. Note that under FDCPA Section 809 ( b ), ALLY is not allowed to pursue collection activity until this alleged debt is validated. Be advised that in Boatley v. Diem Corporation, No. Civ 03-0762 ( D.C. Ariz. 2004 ), the court ruled that reporting a collection account is, indeed, considered collection activity.

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: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When Covid19 started the Mortgage company 's were telling people to call if you need help. We called and went on what they called the " Covid relief '' This was where you didn't need to make a mortgage payment for three months without late fees or negative on credit report. We paid our mortgage every month but it may of been a few days late. I am now back to work regular hours and we have been trying to do a refinance. I reached out to Chase many times to go threw them with zero contacts back. Finally a Chase rep when I called said I can either go threw another company or contact a branch office to do it which is 1/2 hr from my home. I called an XXXX XXXX rep and left a few messages with no response either so i contacted my financial advisor who gave me a Company to call. I spoke to him a few times and he ran a credit report and advised me that it shows I haven't made a mortgage payment for three months from Chase Bank which i had. They may of been a few days late but that was what the Covid relief was for, When I called Chase they told me if I get out of the Deferment plan then my account goes back to normal and that the payment would be entered into Credit report as late. I said wasnt that the purpose of the Covid assistance? So I told them I don't want to be on Covid assistance anymore and if they have to show my payments late what ever and that I would rather not have it showing no payment at all. This is wrong and terrible of them. My loan guy told me this will XXXX up my good credit and I'm furious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a XXXX loan and it was deposited into my USAA account but was supposed to be deposited into my XXXX XXXX Account. For weeks I was unaware the funds had been deposited. The amount is XXXX. USAA refused to give me a close date and return the funds. They are refusing to return the funds to the treasury. USAA states they dont offer business accounts but my loan was deposited into my checking account but they are refusing to return the funds to the treasury or issue me a check. USAA never sent correspondence regarding my account closing, the account freezing or anything. I was never asked to furnish any documentation. I was approved for a loan by SBA and USAA is refusing to give me the funds. I was also told that if the issuing back requests it they wont guarantee they will return it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/XXXX XXXX first report my student loan as being delinquent, after a few months I defaulted on the student loan and it was transferred from XXXX to XXXX XXXX XXXX. ( The phone number for XXXX is XXXX ) ( The phone number of XXXX XXXX XXXX is XXXX ) There at XXXX XXXX XXXX I made a series of on-time payments. The loan was taken out of a default status and was given a positive status. Any negative past reporting was supposed to have been deleted at this time. XXXX did delete the negative reporting from my XXXX but not from my Transunion or XXXX, to this day they still show negative reporting and show my 5 XXXX to be in a collections status. 
After making the series of successful payments with XXXX XXXX XXXX the loan was transferred to XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX phone number is XXXX ) I continued making on-time payments to XXXX XXXX XXXX XXXX and paid the loan off in full in XX/XX/XXXX. So the student loans have been fully paid off. 
For some reason XXXX never deleted the collection status from my XXXX and Transunion. They did delete it from my XXXX report but not the XXXX or Transunion as they were supposed to have done. Once my student loans were out of default and reflected a positive status XXXX was supposed to go back and delete any negative reporting from my credit reports with all 3 bureaus. Because XXXX has not done this my XXXX and Transunion credit scores are far lower then they should be. This inaccurate reporting is effecting my Transunion and XXXX scores in such a way as to even prevent me from qualifying for a mortgage loan. When I call XXXX to resolve this the customer service representatives I speak with over the phone act as if they don't know what to do or how to help me. Since the students loans were transferred after I defaulted to Default Resolution Group they act as if there is nothing they can do

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 2020-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint is against Bank of America. 

Bank of America was making monthly automatic payments to XXXX   XXXX XXXX from my BOA checking account. In late XXXX, the XXXX XXXX XXXX was paid in full and the account closed. Inadvertently, Bank of America made one extra payment to XXXX   XXXX for {$2600.00} on XX/XX/2020, after the XXXX XXXX XXXX   account was closed. I contacted both XXXX XXXXXXXX and Bank of America as soon as I discovered the debit from my Bank of America account. Both institutions assured me that the overpayment would by credited back to my Bank of America account. 

After several weeks of not seeing the refund post, I initiated a case with Bank of America, first trying their telephone support and later through their messaging center. 

XXXX XXXXXXXX sent a letter to Bank of America on XX/XX/XXXX, stating, " Enclosed please find check number XXXX dated XX/XX/2020 in the amount of {$2600.00} ... '' I am attaching the complete letter below. 

On XX/XX/2020, I received a message from Bank of America stating, " This credit will post to your account within 5 to 7 business days ... '' I am attaching the complete message below. 

After seven business days the credit still had not posted. 

On XX/XX/2020, I received another message from Bank of America stating, " This credit will post to your account within 5 to 7 business days ... '' I am attaching the complete message below. 

I am attaching all written correspondence I have had with XXXX XXXXXXXX and Bank of America. 

On XX/XX/2020, I went to the Bank of America XXXX office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I spoke at great length with the branch manager, XXXX XXXX. He assured me that the matter would be rectified by XX/XX/2020. Mr. XXXX is not taking or returning my telephone calls at this time. 

In addition, today I discovered that every message concerning this case in my Bank of America account online web page has been mysteriously deleted. Fortunately, I made copies before these disappeared.

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 2023-09-16
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: Reporting company used your report improperly

Complaint:
I have identified accounts on my report that are a result of identity theft. I have not given XXXX, XXXX, or Experian written instructions ( 15 USC 1681b a2 ) or approval to disclose ( 15 USC 6802b ) my non-public personal information. Nor have I received notice of disclosure, or option to opt out ( 15 USC 6802b ), prior to the disclosing of my personal information. The following accounts are being reported fraudulently, against my written instructions and against my right to opt out, resulting in identity theft ( 18 USC 1028a ). These accounts must be blocked within 4 days pursuant 15 USC 1681c-2 : Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXX # XXXX Acct. XXXX XXXX XXXX XXXX # XXXX. I have attempted to rectify this matter, these agencies still fail to comply with 15 USC 1681 and aforementioned codes and laws.

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 2023-01-19
Company: EQUIFAX, INC.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage placed hazard insurance on my property without my knowledge or consent. Shellpoint hired XXXX XXXX for this insurance. I already contacted both companies requesting cancellation of this insurance and they have both refused to comply. I am being deducted money from my monthly payments to go this insurance and I have no clear knowledge of the amount and dates.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Bread Financial Holdings, Inc.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: IL
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:
My name is XXXX XXXX, I have been a victim of identity theft. I just received my credit report and I noticed unauthorized items that shouldn't be in my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The loan was closed on XX/XX/XXXX and per the attached document, disbursement should have been completed on XX/XX/XXXX. As of XX/XX/XXXX, I was notified that there is a disbursement delay, which is causing financial hardship as I must make another payment to my servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX # XXXX is reporting a collection on my account that does not belong to me. I have not gone to any medical recently and not during the time that this is reporting, nor did I get anything sent to me indicating this could be mine. I do not owe this debt, the collection is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Lending Club Corp
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I went online to pay my bill and saw that they were offering a Deferment Program for people who had been affected by the pandemic and were having problems paying their bills. I called their office and was told that I could defer two months, but that they would be adding seven months of payments onto the end of my last payment. Seeing as I had no choice, I agreed. I had no money and was no longer working because of the NC Governor 's Stay-At-Home Order because of Covid-19. I questioned the seven months, but was told this was what they were offering. Seven months for two months of deferred payments. 

On XX/XX/XXXX, I went online to see if another deferral was offered since I was still not working and had received no unemployment pay. They were offering another two months. I did not call the office this time, because I could do everything online. When I finished my application online, I submitted it. I was not told that there would be any additional months added to the end of my loan, and I was very relieved. 

I began working a gig job in late XXXX, so in XXXX I was able to resume payments. I went online to check my status and was surprised to see that they had added an additional three months without my knowledge or approval. Instead of a 36-month loan, I was not at 46 months for four months of deferral during a pandemic. I called the office to question them about this, but they again said that this was the deal even though I knew nothing about it. I continued to make payments from XXXX thru XXXX thinking that I was making a dent in my balance. 

In XX/XX/XXXX, I went online to see my current payment history and was shocked to see that only four of my ten total payments was documented online. I began calling their office to ask if I could get an email copy of my payments, but four times that I called, I was put on long Holds, then disconnected. I finally asked to speak to a manager, but was emailed a copy by an agent before she transferred me. I then noticed that five of the payments that I made in XXXX, {$400.00} each month, all went to interest. No money was applied to my principal. I understood now why agents were putting me on long Holds and then disconnecting. They probably found it difficult to try to explain five months of interest, over {$2000.00}, having been applied to my account. Once again, I knew nothing about this. If you have already added ten months to the end of my loan, why would {$2000.00} be applied to the loan at this time? 

What this company is doing has to be unethical and that is why I am writing submitting this complaint. 

Thank you.

Company response to consumer: Closed with explanation