BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-08
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. Remove this account for inaccurate reporting because you reported the account number incorrectly. 
TransUnion reported account number XXXX while XXXX is reporting XXXX. This can not be correct since you are getting the information from the same place to report this. 
XXXX XXXX  XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 2. Remove this account for inaccurate reporting because the date of the last payment is missing. Since TransUnion have not reported the date of the last payment it messes up two things. First, it shows does not help to indicate when this account was actually charged off and secondly it manipulates the statute of limitations as I can not tell me when this account is supposed to fall off. This means that you were never given the true date of first delinquency and this is causing me stress being reported XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 3. I am disputing this account for inaccurate information because TransUnion reported the date of the last activity incorrectly. 
TransUnion reported the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) 4. Remove this account for inaccurate reporting because TransUnion reported the high balance incorrectly. 
TransUnion reported a high balance of {$710.00} while XXXX reported {$650.00}. This can not be correct since you are getting the information from the same place to report this. 
XXXX Account Number : XXXX Please Submit onto ACDV form and please Delete under section 1681s ( 2 ) ( b ) TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer 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 2015-08-07
Company: NORTHWAY BROKER LTD.
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Northway Financial a payday loan company extended several loans to me from at least XX/XX/XXXX through XX/XX/XXXX. A company using the name XXXX XXXX XXXX ( XXXX ) has been harassing me for months to collect a {$990.00} debt. First it was XXXX debts now its XXXX and as I look back at my bank statements I see they deducted for the loan amount using XXXX transactions each time. There is no record of any loan made that was not repaid under their terms. I have been harassed for months by XXXX with many calls logged on my phone and available from my carrier. They have called me a deadbeat, thief, swindler, XXXX among others I ca n't recall. I have been threatened with jail, lawsuits and arrest at my job and home. When I ask for the address they state for safety reasons they ca n't give me the address. When I ask for their business license number they say it is none of my business.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: PA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Mortgage Research Center, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I believe Mortgage Research Center, XXXX Veterans United Home Loans, in particular the Underwriter ( s ), has sought to arbitrarily deny my loan by utilizing disparate treatment. 

Disparate treatment happens when a lender treats an applicant differently based on one of the protected characteristics ( such as race or gender ). This type of discrimination can be obvious and blatant, or it can be subtle. The lender does not issue an actual denial, but disparate treatment creates barriers, making borrowing more difficult. For example, let 's say Bank A requires evidence of one month of verified income for a mortgage. XXXX, a XXXX mortgage applicant, must provide more extensive income documents than XXXX, a non-disabled person, in a similar situation. Proving disparate treatment does not require showing that the lender was motivated by prejudice. It only requires that the lender did not have a nondiscriminatory justification for the difference in treatment. 

Veterans United Home Loans required I sell my home and provide a Closing Disclosure in order to be issued a Clear to Close. After the home was sold, the Final Disclosure was sent. The lender then required I provide payoff quotes from XXXX of my lenders that do not provide payoff quotes. This is a concern because my debts were prevalent when I applied for financing and I was pre approved on XXXX separate occasions, with the second pre approval resulting in me being approved for {$500000.00}. 

It appears the Underwriter ( s ) at this company do not wish to approve my loan but are unable to deny it with legal justification. Instead, it has sought to cause unnecessary requirements and delays by disparately treating my loan request with unreasonable and unattainable barriers to approval. 

Had this company simply denied my loan request before pre approving me for {$500000.00}, I would not have sold my home and would not be homeless in the middle of a Chicago winter. This behavior is unprofessional and egregious and as a veteran of the United States, I demand fair and equitable treatment. 

I request an investigation into the business practices of Veterans United Home Loans.

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 2021-12-20
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/XXXX, I wrote a debt validation letter to the company, Designed Receivable Solutions. On XX/XX/XXXX, they sent me a letter to validate the debt with a copy of my medical records. This is a clear illegal violation of my XXXX rights. I am motivated to sue them at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They called me and we settled on an amount. I paid the amount over the phone. Now they keep reporting that we settled for a higher amount and I only paid partial amounts of the debt. They are doing fraud and messing up my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: PA
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 XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX TX, last 4 of account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America ruled in favor of mercant on a fraud cliam I was charged {$42.00} on a charge that I purchased pizza in XXXX Ny at that time I was a patient at XXXX XXXX Hospital suffering from XXXX in XXXX XXXX Mo. My account ended inXXXX l told the bank and was willing to have all my drs. State l I was a patien in the hospital also would support my stay the bank the merchant had a signed receipt but the bank never asked for my signature which would of shown the fraud signing. Also my right hand not movable I offered to send Bank of America proof of my stay in which they did not want I feel their fraud investagtion was in favor of merchant This same crook made other attempt. To use my name to make purchased. We were able to stop him.He tried to get a credit card in my name giving a false address in XXXX a Vacant house. I have every reason to believe Bank of America was biased and favored XXXX XXXX instead of doing complete ivestation. For XXXX year old man who never had black mark  on my financial record I feel my proof of evidence was not acceptable. Thank you so very much for helping me XXXX XXXX XXXX XXXX number 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 monetary relief
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: AR
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 XXXXAccount # XXXX, # XXXX, and # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: DE
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: NY
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXXXXXX account # XXXX 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 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 2022-11-05
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:
I sent a letter out on XX/XX/2022 to Transunion. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is reporting XXXX tax liens on my credit report. I have spoken to IRS they stated that have never issues any Tax Lein against my name. I went down to the court house. I was told that they do not speak or provide any information to any of the credit bureaus. They even provided me this in writing. They also check XXXX and is unable to locate my name address and Social in their system. Yet trans union is violating my consumer right and damaging my credit with incorrect 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 non-monetary relief
Consumer complaint received 2021-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Beyond devastated today Ive just received my eviction notice all due to Bank of America holding my money for there mistakes I have verified my identity there was unauthorized transactions Ive not gotten temporary credit Ive got a letter explaining that they would credit me as this goes under investigation I called to speak to a supervisor the supervisor has no knowledge of a letter so I faxed it over to her dated that Im supposed to be havjng temporary credit and I havent she then says my claim wasnt opened then she says shes gjnna file it then she says oh it is open and then I ask about if theres a reason why my card is blue she then had no knowledge as I was trying to make sure Im using the right card this is ridiculous I have police reports I have pictures of my place being badslkzed and door broken down and confirmation of a shaker from being charged for using my card from the police department and the detective Information and still isnt enough at this point idk what itll take its been about 4 months now me trying and trying to get my money from my account today I received eviction papers due to not paying rent because of all the confusion Bank of America has been giving me the calls are recorded pls listen to the recordings so you guys can see all the false informtation yoi guys have gave me and after verifying my identity still say that XXXX is a female on my file its been noted on a complaint on why they keep saying that and then they say Im expecting a deposit when the date comes nothinf tbere I recorded a letter saying its been credited and I received my statement on to where it says I would be credited temporary within 10 bussiness days and its been more than a month I then called Bank of America and she said that sometimes systems make mistakes as I explained these are people that leave money on yoi guys accounts theres no room for mistakes. People are supposed to trust there money bussiness in that way is beyond me this needs to be resolved immediately Ive have all the evidence and prove even worst is I was in Arizona when someone stoled my money that came from California, Ive now gotten in Que with XXXX XXXX news and Ive emailed them so my story gets heard and I know theres a lot more people in my situation so that something gets done .Ive included police report pictures of my place broken into where my infromtwtion was stolen Ive included the letter that I would be temporary credited and nothing I have gotten nothing idk what else needs to be done .hoping that this gets resolved before a media coverage where I can get more people involved that r in my situation all I want is what belongs to me and a bank that is trustworthy

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 2019-11-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Citi XXXX XXXX XXXX card. I paid my balance in full electronically on XX/XX/XXXX from my bank account as usual. The due date for payment was XX/XX/XXXX. 

My card # ends in XXXX. 

Citi levied a late fee on my XXXX statement for a late XXXX payment. I spoke with Citi customer service on or about XX/XX/XXXX about the {$25.00} late fee. The agent said " there is no processing of payments over the weekend. '' I contacted my bank and the representative confirmed that payment was received by Citi on Friday XX/XX/XXXX. I called Citi again and said they received payment in time and should waive the fee. The agent said they would call me back in the next day or two, and should have the balance adjusted. The Citi agent never contacted me. This issue went unresolved. I just received the latest statement. This statement dated XXXX lists previous balance that includes the {$25.00} late fee and an additional late fee of {$27.00}. I called Citi customer service again. The agent XXXX XXXX who said the {$25.00} was waived, ( but the previous balance of {$93.00} adds up to still include it ), and she could do nothing about the new fee, despite having record of my phone call where the agent I spoke with in XXXX promised to get back to me. I asked for a manager, I got XXXX who did not give a last name or ID #. She refused the waive the fees, claimed he first {$25.00} fee was waived, ( yet it is still included in the New Balance. ) I feel and KNOW I am being extorted. They misrepresent and claim they forgave and fee in XXXX ( a statement I never received ), and would not help a long term customer with other accounts.

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 2023-08-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation