BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-11-22
Company: Ocwen Financial Corporation
State: DC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company sent a notice of acceleration on or near XX/XX/XXXX. 

XXXX ) The notice of the collections firm include an amount in arrears XXXX ) I disputed the debt but didn't get a reply within 30 days. 

XXXX ) The company filed for foreclosure sale on or near XX/XX/XXXX. 

XXXX ) The company told me they approved me for a modification on XX/XX/XXXX but I never got the modification and the company falsely noted that I withdrew the acceptance of the modification. 

XXXX ) I notified the company of the new XXXX CFPB rules on XX/XX/XXXX and they are mandated to contact and modify loans due to XXXX and the company ignored the request. 

XXXX ) I set up appointments to speak and the company calls on the wrong dates at the unassigned time. 

XXXX ) I get conflicting information on how the company will resolve its XX/XX/XXXX representation of approval for loss mitigation. XXXX person says 10 days another person gave me a date that's almost 21 days. 

XXXX ) The company hasnt processed a XX/XX/XXXX application of loss mitigation. 

XXXX ) I've sent multiple Notices of Errors, Qualified Written Responses, and other data to company and it hasn't replied or resolved any of the registered notices of errors and request for corrections. 

XXXX ) I'm getting call a from people seeking to buy my home being advertised for foreclosure when its illegal and a violation of the XXXX emergency by CFPB guidelines to conduct a sale at this time.

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 2022-12-09
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
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:
XX/XX/XXXX Equifax received a fax from from 29 pages long which pertained to Identity Theft. I faxed over my police report, identity theft affidavit, proof of identity, list of accounts to be blocked due to identity theft, and a copy of 605 b rule. They did not block accounts in 4days they just disputed the items XXXX and XXXX  blocked the items from my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX XXXX XXXX Consumer Dispute Center XXXX. XXXX # XXXX XXXX, PA. XXXX Date XX/XX/XXXX My credit file number # XXXX RE : Accounts : XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX To Whom It May Concerns : I am writing to dispute the accounts referenced above. I have disputed the accounts information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2023-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
FIRST OF ALL ON XX/XX/23 I FOUND A MISTERIOUS DEPOSIT IN TO MY SAVINGS ACCOUNT 0F {$2500.00} THEN THAT SAME DEPOSIT WAS TRANSFERED FROM MY SAVINGS ACCT IN TO MY CHECKING ACCT, WHILE IM TRYING TO FIGURE OUT WHAT HAPPENED WITH THIS TRANSACTION THAT I DID NOT RECOGNIZE TWO DAYS LATER ON XX/XX/23 I FOUND SOME MORE MISTERIOUS TRANSACTIONS THAT I DID NOT RECOGNIZE NOR I APPROVED I FOUND ONE OF {$1000.00} AND ANOTHER OF {$80.00}. THAT WERE TRANSFERED FROM MY SAVINGS ACCOUNT TO MY CHECKING ACCOUNT. THEN ON MY CHECKING ACCOUNT THE SAME DAY I NOTICED THAT A PAYMENT OF {$3500.00} WAS MADE TO A XXXX XXXX IN XXXX MICHIGAN AND AN ATM WITHDRAWAL OF {$130.00}. NON-OF THOSE TRANSACTIONS DID I RECOGNIZE NOR I APPROVED. SUPPOSEDLY THEY SAY THEY SENT ME 4 NOTIFICATIONS TO MY PHONE NUMBER AND THAT I REPLIED OK TO APPROVE THE CHARGES HOWEVER I DO NOT HAVE ANY MESSAGES FROM BANK OF AMERICA THAT DAY NEITHER I HAVE SUCH MESSAGES ON MY PHONE RECORDS FROM MY CARRIER. 2 DAYS LATER AFTER CALLING BANK OF AMERICA TO FIND OUT ABOUT THIS CLAIM I WAS INFORMED BY THE BANK 'S REP ABOUT 3 FRAUDALENT CHECKS WITH AMOUNTS OF {$4500.00} EACH TOTALING {$13000.00} WRITTEN FROM A LADY IN NEW YORK WITH A XXXX BANK ACCT TO A PERSON WITH THE SAME NAME AS MINE, XXXX XXXX STATING THAT THE MONEY CAME OUT OF MY BANK ACCOUNT AND THEREFORE I OWE THAT MONEY TO BANK OF AMERICA. 
THIS 3 CHECKS THING SOUNDS VERY CONFUSING TO ME AND HONESTLY, I FEEL LIKE SOMEONE IN THE BANK MADE A MISTAKE AND IS TRYING TO COVER IT OR FIX IT OR THERE IS INTERNAL FRAUD FROM WITHING BANK OF AMERICA. THE FRAUD CLAIM OF {$3500.00} WAS ALREADY CLOSED BY BANK OF AMERICA SAYING THAT THEY WILL NOT PAY IT AND THE 3 CHECKS OF {$4500.00} EACH IS TAKING TOO LONG TO RESOLVE AND EVERY TIME I CALL THE BANK, THEY DONT HAVE ANY NEW INFORMATION OR THEY SEND ME TO THE WRONG DEPARTMENT OR I HAVE TO WAIT ON THE PHONE LINE 30 TO 45 MINUTES TO GET DISCONNECTED. I DON'T KNOW WHAT'S GOING ON WITH THEIR OWN INVESTIGATION THEY HAVE NOT SENT ME ANY EMALIS NOR CALL ME TO GIVE ME AN UPDATE. I FILED A POLICE REPORT ( REPORT # XXXX ) FROM THE XXXX ARIZONA POLICE DEPARTMENT AND XXXX XXXX XXXX ADVISED ME TO CONTACT THE CFPB AND THE FBIA AS WELL SPECIALLY SINCE IS BELIEVED THAT THIS IS A FRAUD WITHIN BANK OF AMERICA OR AN INTERNAL MISTAKE THAT ARE TRYING TO COVER.

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 2021-05-01
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i am a victim of an organized fraud where {$49000.00} was stolen from me. The thieves opened up accounts with my info to buy property in new jersey but instead never received the property and eventually disappeared. The company worked with XXXX XXXX  who opened up this account with bbva with my info then told me to pay them XXXX for opening the account and that this is coming from them but asked me to pay it on the account she opened. The lady name XXXX who worked for XXXX told me that XXXX XXXX and her work all the time and that i can trust them. now the bank wants this money back but this fund was transferred from the loan they opened to the debit card and paid with that money. i have a police case for this fraud and is disputing all charges to give back the loan money they stole from me. i am attaching the bank declining the dispute and the police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
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:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws:15 USC 1681623 ( a ) of FCRA/FACTA , I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt.15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 

VIOLATIONS OF CREDITORS & EXXXX : VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS  AND ACCOUNTS TO BE REMOVED : XXXX XXXX is reporting on TransUnion, XXXX, XXXX. Account # XXXX It is reporting as a Collection/Chargeoff High Balance is reporting as {$6500.00} and in another report it is saying {$11000.00}. 

I HAVE NO ACCOUNT OR INFORMATION AND OR KNOWLEDGE OF THIS ACCOUNT HAVING THE RIGHT TO REPORT ITSELF ON MY CREDIT REPORT! PLEASE REMOVE IT OFF MY REPORT. 

XXXX XXXX is reporting on TransUnion, XXXX, XXXX. Account # XXXX It is reporting as a Collection/Charge High Balance is reporting as {$11000.00} and in another report, it is reporting as {$6500.00}. 

I HAVE NO ACCOUNT OR INFORMATION AND OR KNOWLEDGE OF THIS ACCOUNT HAVING THE RIGHT TO REPORT ITSELF ON MY CREDIT REPORT! PLEASE REMOVE IT OFF MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a follow up from complaints XXXX, XXXX, and XXXX. Per Goldman Sachs reply to the last complaint, they believe they have fixed my account by backdating the payment to reflect the correct date and refunding all of my interest, which they have indeed appeared to have done. 

Unfortunately, it seems that in the process of making those changes to my account that they have messed up a promotional purchase offer from the Apple Store. This purchase was made in XX/XX/2022, for {$790.00}, to be paid at 0 % APR over two years, with monthly installments of {$33.00}. On my most recent statement this balance now shows as paid off and my total due is {$950.00}. This is incorrect. There should be a remaining promotional balance of {$590.00} and my " pay in full '' amount for XXXX should be {$350.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-25
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Amcol Systems continues to report a medical debt in the amount of {$170.00} that was paid by my insurance provider on XX/XX/16. Amcol Systems purchased this " debt '' from XXXX XXXX XXXX. XXXX XXXX XXXX no longer has any information on this alleged debt. Further, Amcol Systems began collection only 150 days after the bill was paid by my insurance provider. This is a violation of the XXXX settlement agreement. Per the XXXX policy collection agencies are supposed to allow 180 days from the date of delinquency to pass before attempting to collect on a debt.The 180 days is to allow the insured and the insurance provider to ensure that the medical bill has been paid correctly and to sort out any issues of coding error, policy error, administrative errors, etc.The payments regarding this service were made in separate check increments. There were a few coding issues that resulted in re- billing on this claim. This claim was paid in full by XX/XX/16. Attempting to collect additional money on this claim is a violation of the FDCPA. Amcol keeps verifying that this is a valid debt with XXXX only in an attempt to collect on it. Please find attached a copy of the balance sheet provided to me by XXXX XXXX XXXX XXXX that proves that the services were paid and the date that the claims were paid electronically to the providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXXXXXX XXXX XXXX  BANK XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3 The inquiry was not authorized EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/2022 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022

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 2020-01-31
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/XXXX my car was repossed by a company named XXXX a company that works with my Loan holder XXXX XXXX. After calling XXXX they said I never made my XX/XX/XXXX payment. I make my payments every month thru XXXX app. I told them I was unaware that payment did not go thru. This was the only payment in the 5 yrs of my auto loan that I missed, I told them I never received any phone calls or mail letting me know I still owed this payment. I immediately went to a bank branch and made all necessary payments to bring this loan back to good standing and get my car. When I called back and talked to XXXX they told me they would not remove this from my credit report. I told them again this was not right and I was never notified by phone or mail. They were very unhelpful. I would like this taken off my credit report, because I was never notified and this could have been avoided. I feel a better effort could have been made on their end to collect a debt. After being a customer who paid there bills every month for 5 yrs I would expect better treatment and not to have my vehicle taken away like a person who made no payments for months. Side note since that XX/XX/XXXX payment that I missed I made my XXXX and XXXX payment which apparently meant nothing to them as far as maybe this other payment was missed in errror. Thanks XXXX for the classy treatment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-04-08
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I realized my CD was automatically renewed at 0.05 % and called to have the money withdrawn, account closed and I would pay the fees for the closure I was told that I could not do any of this by phone or online and would need to make a personal visit.

the nearest bank is over 30 minute drive for me and I am not able to make a personal visit at this time and feel they are holding my money and limiting my access unnecessarily finally they offered to let me fax a request- if its notiarized and I suspect of the the entire process and bank at this point

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 2022-10-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, 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:
On XXXX XX/XX/XXXX I found that my ex-husband applied with XXXX XXXX XXXX for a commercial loan with my SS #, and address. After many attempts to find out how they were able to get a credit report for a guy posing as a female. I contacted the Fraud department of XXXX XXXX XXXX and I told them happed and they told me that the account be flag as an identity theft, also told me that any application that will come on his name with my SS # will be rejected. Monday XXXX XX/XX/XXXX, I picked up my mail and is a letter from XXXX XXXX XXXX addreed to my ex-husband with my address and letting him know that the credit was freeze and to reach out to have that taking care off. This time he applied for a credit card. XXXX XXXXXXXX XXXX never did what they told me they will do marking his name as a identity theft, he is able to keep trying. I understand they are just doing business but after they know and have a report of the circumstances and have the name and SS # related to the fraud why they keep telling happend. What about my protection. They have a male applying with a female SS # and all is ok. When I called the bank on Monday XX/XX/XXXX the person that took the call told me to go to XXXX If that's the way a banker treats someone compliening about identy ttheft by someone else, I'm not sure how they can treat any one by suggesting to learn how to manage their life. Why the banks allowed people to apply for either a loan or credit card by their website and don't request than the person applying goes to one of their branches and identified them selfs. That should be a protection to the consumer. NOTE : I BEEN DIVORCED FROM HIM FOR 10 YEARS AND IN 10 YEARS I DON'T KNOW ANYTHING ABOUT HIM.

Company response to consumer: Closed with explanation