BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX XXXX XXXX XXXX reported that I was over 30 days late on a loan that was closed in XX/XX/2018. Each credit bureau shows different payments. This account has consistently had wrong reported information. I have reached out in the past and also disputed the information but nothing was done. This continues to happen. My credit has suffered enough I dont need false information reported. If they cant get the information correct take the account off my report. My next visit will be an attorney.

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 2022-03-11
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
i recieved an email that a bank account was opened at key bank 0n XX/XX/XXXX. have been trying to call them since can not get through to anyone. i do not use key bank at all and gave no one permission to open an account. im very frustrated with this. i do not have time to call these people what do i do. 


Dear XXXX, Making financial progress feels great, and you just took a big step toward reaching your goals. 

Welcome to your new : Account Name Account Number Opened Key Smart Checking ... XXXX XX/XX/XXXX Name : Key Smart Checking Number : ... XXXX Opened : XX/XX/XXXX *Your account 's details and disclosures To keep your information secure : When we contact you by phone, email or via text messages, we will never ask you to provide your full social security number, full account numbers, user id, password, or answers to your online banking security questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account without warning one year ago approx. Without warning or reason, I dis not have access to my money. When I called them, they told me they could not tell me a reason but that I would receive a cashiers check with the balance. It took around 20 days to get this check with my money. It was awful. I was in the middle of building my house ( during covid ), everything was more expensive suddenly, my father was XXXX with stage XXXX XXXX XXXX and I had to take over his responsibilites which included his medical payments, and I had to borrow money from my father in law to help through all this additional hardship. I had the BofA account since I was a child, my mother had opened it for me and I never had a problem. There were additional deposits and withdrawals, but these are normal if you are building a house and paying for medical expenses. I feel closing my account was unjustified and plain malicious. It complicated my families situation even more, when my bank should have asked me or tried to find out the hardship that was maybe causing what caught their attention.

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 2022-08-12
Company: SF VAGO, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This is to reference State Farm Bank also EMLVP, LLC as the loan originator for my RV trailer. I had called in XX/XX/2022, XX/XX/2022 and XX/XX/2022 to check on terms to Voluntarily Surrender my trailer. I was mailed via USPS a form and I diligently faxed it back after I had spoken with a rep from State Farm Bank for over an hour and a half making sure I was clear on the terms I received a Fax successful so I knew that it had been received. 
I called today to check status as a rep never called within the 10 days the form and rep said would happen today after seeing a 90 day late payment status on my consumer credit report I called State Farm Bank and was told, The image was distorted so they couldnt accept it. I replied, No one could call or follow up on this matter? Rep did apologize as I am sure it wasnt his direct fault. 
I had assumed since I gave instructions initially on address phone and all pertinent contact info that the RV had been picked up since it wasnt being used and in possession of my ex husband in XXXX. ( I have since relocated to XXXX  ) and no longer communicate with him. I stopped making payments as directed. 
I am frustrated with the lack of communication and honestly believe it is an unfair and unethical business practice. 
I want the negative payment status on my credit report removed as it shouldnt be reflected this way. 
Also, I am contemplating if I should seek legal council on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a alert my credit score dropped. When I called they would not remove from my credit report even if I paid it. I believe it was a simple mistake that it was my xwifes and not to my adress and I was never called and they had my number. They then use a tactic that if I pay they mark it as closed but it stays on my report for 7 years. They told me thats the LAW. Its not the law. Law states all mistakes must be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: CA
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 sent a certified letter on XXXX to each of the 3 credit reporting agencies ; XXXX, XXXX, and Experian, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct.

I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX Account XXXX : XXXX In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions.

For example, the Date Opened for the account had multiple dates on the 3 credit reports. XXXX has dated opened as XXXX and XXXX XXXX Experian have it as XXXX - INCONSISTENCY! 
Another example is Reporting Date from XXXX is XXXX and XXXX XXXX Experian have it as XXXX - INCONSISTENCY! 
Another example is Credit Limit from XXXX has a {$0.00} limit, while XXXX XXXX Experian have it as {$280.00} - INCONSISTENCY! 
See attached Latest Credit Report dated XXXX for all XXXX credit reports. 
See attached compiled PDF of pages 6-7 of Credit Report showing XXXX XXXX Due to these inconsistencies this file must be deleted please.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of my personal information was inaccurate especially the address. The following needs to be investigated and be corrected for erroneous reporting in my file : 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 2022-12-22
Company: LD Holdings Group, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was recently taking to several lenders about several options regarding a cash out refinance, land loan, and Heloc. 

Loan Depot called me several times due to an alert they received from lending tree and I finally answered. I had an informative conversation with a Loan Depot representative just gathering information to make the best decision possible for myself. 
It wasn't until some time later when I received a loan packet from Loan Depot and XXXX XXXX that I realized that he had run a hard credit report on me and ILLEGALLY pulled my credit without my consent causing me a hit and a loss of points. 

I would like to know my next steps to make this right. I have very good credit and work hard to keep it that way and what happened is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
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:
XXXX XXXX made a mistake. My account was never late. Yet my report still shows two 30-day delinquency payments. They submitted two letters to the credit bureaus, and each time, the letter was insufficient. XXXX XXXX has told me over the phone multiple times that it is their fault that the delinquency is shown, yet they still have not fixed the issue. It is their responsibility for messing up my credit and they need to take responsibility and be held accountable for this. They state that they can only do so much, yet this is a very serious issue. They are not doing enough and the credit bureaus are also at fault for the inability for me to talk to someone over the phone. A simple letter submission is clearly insufficient if XXXX XXXX can't clearly communicate the issue, show fault, and resolve the issue. This is unacceptable all around and needs to be remediated immediately.

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 2019-05-28
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/19 I disputed the account Waypoint Resources with the 3 credit bureaus. Each bureau stated that Waypoint Resources validated the debt was valid. So I reached out to Waypoint Resources via mail on XX/XX/19 requesting validation of the debt. ( tracking XXXX XXXX XXXX XXXX XXXX ). 
I have not received any documents from Waypoint Resources validating the debt. 
It is a violation for them to not provide validation and still don't delete the item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Navient Solutions, LLC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX XXXX XXXX, I was unemployed and contacted Navient about solutions available to me, due to unemployment. I was on unemployment and receiving government benefits and told them I could provide proof if needed be. They kept telling me they had no programs available to me, even with me being on government assistance. 

In XXXX XXXX XXXX I received a call about my payment missing. I informed the agent that I was unemployed and receiving government benefits. She told me that if I could make a payment of {$170.00} that would cover XXXX and XXXX. She then informed that if I made an additional payment of {$86.00}, that would cover XXXX XXXX  payment. I checked my account and luckily had received my tax refund check and made the payments. 

In XXXX XXXX XXXX, I started receiving calls from Navient saying I was behind again. I questioned how that could be, considering what the lady told me. I asked for them to go back and listen to the call to see what she told me. 

The calls continued into XXXX XXXX XXXX and every time I asked the customer service rep to verify what I was told, they told me they would put it in a request and then get back to me. I then told them I wanted to hear the XX/XX/XXXX call also. I told them if I heard it wrong, I would pay gladly pay them. I also asked about any programs, as I was just recently employed, but had not received a check and they told me they could lower my payments, if I agreed to another 10 years added to the loan. I declined. 

The calls came in once every 7-13 days and each time I asked for them to review the call and they told they would and would get back to me, but never did so. 

I submitted an online inquiry on XX/XX/, due to not getting a response from them. Before ever getting back to me they alerted the credit bureau of a delinquent account. They finally replied to me on XXXX XXXX XXXX 

This could have been solved before then, had their reps gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a credit balance of {$1900.00} due to multiple payment posting. The money was taken out from my credit card on XX/XX/XXXX, after initiated on call on XX/XX/XXXX. But it has not been credited back to my bofa checking account as of XXXX. Something that i can do online and credited in minutes. Why is bofa trying to earn interest on my money and depositing on time or leaving in my card as credit balance.

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 2021-04-30
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filling this claim against my mortgage servicer. They have refused to provide ANY paperwork directly to me, they have been sending all correspondence related to my mortgage servicing to their lawyers office. I have written and spoken several times with them regarding this issue, to no avail. They continue to purposely neglect to send my legal correspondence to me to this date. 

Additionally, they have been manufacturing and applying late charges, home inspection, to my mortgage account on a monthly basis. They have been using the illegal tactic of " pyramiding '' late charges to the tune of {$9400.00} to this date and counting. They have also charged my mortgage account for XXXX of dollars on " home inspection fees ''. And they have charged my account for " legal fees '' paid to their legal counsel and applied those charges to my account, disguised as " late payments ''. 

They have also ruined my credit by posting this criminal entries with all 3 credit bureaus. 

There are numerous illegalities that this company has perpetrated against my person and my families well being. 

Please, look into this companies abhorrent and illegal collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-09-17
Company: Experian Information Solutions Inc.
State: PA
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:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-09-04
Company: Veros Credit, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I would like to have this fraudulent account removed immediately from my report. Someone opened this account in my name which I was unaware of until recently when I attempted to check my credit for other reasons. This is an unauthorized account ( XXXX ). When I reached out to this company they asked me to provide identity documents for some man named Mr.XXXX who I don't even know. 
I have never heard of this person and there is no way for me to provide a social security card or ID for this man. This company has allowed someone to use my name and information to open an auto loan and I would like this account removed immediately it is affecting my credit report and leaving me in a period of stagnancy with my life and financial goals. 

ACCOUNT NUMBER XXXX DATE OPENED XX/XX/2020 Loan AMOUNT {$18000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
y recived a copy of my credit report and i noticed 3 accounts the are not mine

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion, and XXXX have been and are in constant violation of the United States Codes that cover " Accuracy and Fairness of Credit Reporting. '' For my current and open account XXXX XXXX Account, XXXX has violated my right to privacy, reporting my private information regarding my open accounts payments. This is not a closed account. Yet According to 15 U.S. Code 1681 it states " 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I do not consent in any way for my private status of my open and current account ( s ) under this account to be reported to XXXX, XXXX, or Transunion Credit Bureaus. According to this United States Code, my right to privacy has been and is continuously being violated, with reporting my late payments in my credit report, which have not only affected my ability to qualify for proper mortgage loans while serving in XXXX XXXX military status currently, but being able to properly qualifying for appropriate car loans, with a fair reporting credit score due to deficiencies reported like such. 

As for the XXXX XXXX XXXX account listed as a closed account on my XXXX Credit Report, Transunion Credit Report, and my XXXX  Credit Report, I am demanding that this account be removed from all credit bureaus including but not limited to XXXX, XXXX, and Transunion, as it violates my right to privacy posting late payments within this account, and also posts the account as a charge off. A charged off account, can not be considered a " late payment. ''

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