BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX XXXX XXXX On XX/XX/XXXX Experian received documentation from me stating for my identity " XXXX XXXX XXXX XXXX '' to be furnished, and to remove any unauthorized names that I don't recognize as my legal name. An identity thief used my social security number on XX/XX/XXXX for an fraudulent account with " XXXX XXXX XXXX '', and an unauthorized name " XXXX XXXX '' was strangely furnished to my report by Experian without my written instructions. Experian furnished this without using completely accurate evidence ( a supporting address that links that " XXXX XXXX '' to the address on my report. On XX/XX/XXXX, I attempted to dispute this with Experian. After notifying them, they did not honor the dispute and admitted to not honoring my fcra rights for this dispute when I warned them about it on a recorded line. I am under emotional distress from the unauthorized " XXXX XXXX '' still lingering on my report due to Experian 's failure to take action on this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 hope this letter finds you well. I am writing to express my continued disappointment and concern regarding the unresolved dispute I submitted regarding the unauthorized accounts on my credit report, which are a result of identity theft. Despite my previous correspondence and the supporting documentation I provided, I am slightly sad to note that the accounts in question have not yet been removed from my credit report. I appreciate the initial acknowledgment of my dispute and the assurance of an investigation. However, I must emphasize the importance of resolving this matter promptly, as it has had a significant impact on my financial well-being and overall peace of mind. Since my initial dispute, I have taken additional steps to verify my identity and provide you with the necessary documentation to support my claim. As mentioned in my previous letter, I enclosed a copy of my government-issued ID, proof of address, and indicated my intention to file a police report. I have since filed the police report, which further substantiates the identity theft incident. I would like to request an update on the status of your investigation and the reasons for the delay in removing these unauthorized accounts from my credit report. The extended presence of these fraudulent entries is causing me considerable distress, and it affects my ability to access fair and accurate financial opportunities. XXXX XXXX. Please remove this account ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: WA
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 listed on my credit report the name XXXX XXXX. 
I have been the victim of online bullying and identity theft. 
Please complain to have the name removed from my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 an order was placed on XXXX  with the order subsequently being shipped to the provdided address. On XXXX, XXXX I received a notification of a case being opened through Paypal, XXXX XXXX payment processing company, due to " the buyer stated that they did not receive their merchandise. '' Proof of delivery was provided and was logged on XXXX On XX/XX/XXXX I received an email, again from paypal that " We're happy to confirm that the following transaction was covered under Seller Protection because you met the PayPal Seller Protection requirements. '' Today, on XX/XX/XXXX, I received notification that again " The buyer stated that they did not receive their merchandise. '' and " We were unable to verify the delivery information you provided. '' USPS tracking is only good for 120 days so, of course, the will not be able to verify delivery any longer. Paypal has closed my account and threatened my credit score due to the actions of a perpetrator of mail fraud ( I personally know two others that have had claims on them by the same user ) that continues to do business on XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX 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. 

You have XXXX hours to respond.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
These account listed in the affidavit attached are fraud and shall be removed and blocked within 4 days of this notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: AL
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:
I went to the car dealership they told me they were only going to pull from one dealership it ended up being multiple which caused my score to drop tremendously! The same thing happened with the mortage company this is most defiantly a lesson learned i will be placing a fraud alert so this won't happen again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In short, I had an escrow/impound account associated with my Bank of America ( B of A ) mortgage. B of A was obligated to pay my XXXX XXXX property taxes. They did not pay my property taxes and a {$900.00} fine was levied against me by XXXX XXXX. I feel that B of A should be obligated to pay the fine. The scenario is outlined in detail below. 

In XXXX, I established a mortgage for my primary home with B of A. Since that time, I contributed monthly to an impound or escrow account from which B of A would pay my property taxes. In XXXX of XXXX, I refinanced that mortgage with a different bank. 

My mortgage was refinanced on XX/XX/XXXX, about 3 weeks after my property tax from XXXX XXXX is due. On XX/XX/XXXX, before my mortgage refinance funded, I contacted B of A to ask whether they planned to pay my taxes from my impound account or return the money in my impound account to me prior to the due date so that I could pay it. I knew that B of A had not previously paid my property tax until shortly before the " overdue '' date on which fines were levied, which would be XX/XX/XXXX. On XX/XX/XXXX, I waited between 1-2 hours to speak with a mortgage representative. The representative I spoke to on the phone was unable to help, but assured me she would raise the questions with her manager and get back to me. I received no response by either phone or email. I called again on XX/XX/XXXX. After waiting more than an hour on hold, I had to go back to work and disconnected. I called again on XX/XX/XXXX. Again, after between 1-2 hours, I spoke with another representative. This person advised me that more than {$9000.00} had been paid from my impound account two weeks prior. She couldn't tell me whether it had been sent to XXXX XXXX or to me, but the taxes could be paid either way. 

On XX/XX/XXXX, I received a letter from B of A postmarked AFTER my property tax was considered past due ( XX/XX/XXXX ). The letter contained a check for all of the funds from my impound account. After speaking with XXXX XXXX 's tax collector 's office, I learned that the county had levied fines against me including {$870.00} for the delinquent payment of my primary tax bill. 

The mortgage had been paid off by my new bank on XX/XX/XXXX. B of A executed the Full Reconveyance on XX/XX/XXXX, but my escrow funds were retained for almost 3 weeks. I called B of A several more times and filed a complaint with the Better Business Bureau, but B of A has not addressed why they failed to either pay my taxes or return my escrow funds in a timely manner so that I could pay my taxes.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: Advance America, Cash Advance Centers, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was in a debt management program and thought this debt was included. I wasnt aware that I still owed the balance until they reported to my credit report. No phone call, no letter in mail only sent to credit beauru and that is how I found out about the debt from XXXX. I asked them to remove from credit report and told me they didnt have to send me a letter. According to them and call was recorded that they didnt have to send me a letter in the mail. I am paying balance on XXXX but I need this removed from credit report. Company is National credit adjusters. They never notified me that it was sold to them or sent me anything about the debt to be paid or gave me an option to pay before it went on credit report. but they had a note that it was in a debt management program. XXXX XXXX  and needs to be investigated I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRUIST FINANCIAL CORPORATION
State: FL
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 had a home improvement loan with Service Finance opened in XX/XX/XXXX. The loan was for solar panels that never worked. The installing company went out of business shortly after the panels were installed. 
I ran into some financial difficulties and missed two payments. My last payment was XX/XX/XXXX. I missed payments in XX/XX/XXXX and XX/XX/XXXX. My account was reported as charged off by Service Finance in XX/XX/XXXX. XX/XX/XXXX I paid the loan off in full. 
My account was listed with the credit bureaus as charged off. When I paid the full amount I owed of {$14000.00} in XX/XX/XXXX the status was not updated to reflect it was paid in full. It does show a XXXX balance but still has charge off as the status. 
I have called Service Finance several times in an attempt to get the account status updated. Each representative I speak to tells me it is not possible to update the status. 
I am currently trying to purchase a home and the status of this account, since it is a home improvement loan is preventing me from qualifying for the mortgage. I do not expect the late payments to be erased, but the refusal of Service Finance to update this account is causing my family undue harm.

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 2022-04-06
Company: Flagstar Bank, N.A.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I put my home on forbearance over 9 months ago and tried to take it off and they renewed it without my permission. I have tried to resolve it and have called them over 45 times in the past 9 months with no resolve yet. I have been told so many things and so many different answers its unbelievable. I just spoke with them today and was asked all the info again and then was put on hold to escalate the call but before she places me on hold she said it is my fault that things are getting goofed up because I am pushing buttons?? and once again no one came back on the line.I called them on XX/XX/XXXX and was told again that a letter would come saying that the loan amount balance would be placed at the end when I sell the home yet I never received the letter. I was told back in XXXX of 2021 that it would take 4-6 weeks to resolve the issue and I have been trying this whole time calling over and over. It is Flagstaff bank and I am so frustrated I have cried many times. What can I do? I would like other purchasers of homes to be aware of who they are using because this has been a nightmare. I have perfect credit and never had a problem like 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 explanation
Consumer complaint received 2023-03-20
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$7.00} XXXX  XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$360.00} XXXX  XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX XXXX Balance : {$250.00} This is a follow-up complaint prior to my previous attempt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: NAVY FEDERAL CREDIT UNION
State: CA
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 received a call on XX/XX/2019 from Navy Federal Credit Union trying to collect on a {$7900.00} balance for transactions that were not processed by me. The operator on the line explained to me that after investigating the situation they said that the charges were still valid. As I have never opened an account with this credit union it does not make sense that I am responsible for these charges. I tried calling the company to request further information concerning the investigation and was connect to an operator who put me on hold and proceeded to disconnect the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a continuance from a complaint I have already filed. More happened after I made the original complaint. The file number is # XXXX. 
I received an email on XX/XX/2021 stating there has been unusual activity on my account and they are restricting it. I called and they advised me that I need to open a new one and transfer my money into that one since this current one was compromised. She ( the employee ) walked me through opening a new account and I was able to transfer what I had in the old account into the new account. 
2 days later, I receive the same email on my new account and they locked it down and restricted it. Only saying they denied my claim and will not be doing business with me again. I drove over an hour to withdraw my money in person. I have been with Capital one for many years and I have always bragged on them and told people what a good company they were and how easy they were to work with. 
I have 1 issue ( and a major one ) and they deny it and try and get rid of the problem. After much research, I found where there has been XXXX fraud with Capital One before not long ago. I will not let this issue go. I have lost a lot of money with this and I won't be quiet about it.

Company response to consumer: Closed with explanation