BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is my 2nd time contacting you guys about the inaccurate reporting of my credit account first by XXXX  XXXX XXXX  and now XXXX XXXX XXXX has reported to the Credit bureaus and all have fixed the info except transuinion I have filed several disputes initially because XXXX  XXXX removed and closed 2 of my credit card accounts when they had XXXX balances and where still very much open and being used this lowered my score substantially and was almost impossible to get them to fix it. They eventually fixed one account and reported it and the credit bureaus made the change to my report which raised my score minutely. But they would not correct the second account which had a credit line and greatly affected my score for almost a year I have been paying off the balance each month trying to build my credit to purchase a home and while im doing all it is not reflecting on my score. I spoke to XXXX XXXX and they state now they got their act together and everything has been reported which seems correct as XXXX  has updated my report to reflect both accounts as of 3 weeks ago, but transuinion has not and will not. I lost out on 2 home purchases and probably won't have a score that will allow me to secure a loan for quit some time because of this even though I have worked very hard paying off my balances and doing so early every month It has not appropriately benefited like it should have. I have lost almost a years worth of great credit payment history and can't purchase a home can't rent a home couldn't buy a car when mine broke down because I have a credit score that doesn't accurately reflect my credit history. And I have done everything possible to get this addressed and here I am. I'm so beyond frustrated and it's becoming more difficult to be respectful when trying to reason with transuinion and XXXX XXXX. They either just don't care.. Or they are plain incompetent. XXXX XXXX should not have closed the accounts to begin with and I guarantee if I wasn't making my payments they wouldn't hesitate to take steps and act on collecting what they are owed! But yet they have no problems and pay no regard to damaging a customers credit score and essentially causing homelessness when they make sure they are paid in full and before the date they are due every month. What a shoddy way to do business.

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 2023-06-06
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
These are unauthorized inquires. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I sent out letter to all the credit bureaus Experian XXXX and XXXX on XX/XX/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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2021-01-11
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Westlake Services, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have tried to lower the interest on my car loan since due to the situation of the pandemic I lost my job but still I continue to pay my payments and the interest is at 14.99 % and now the interest has dropped and I want to lower it but They don't want to help me, they say it can't be changed. To this day I have never stopped paying my car, I just want my interest to be lowered as the law stipulates at this time The bank that has my car loan is Westlake Financial

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 2023-05-05
Company: TD BANK US HOLDING COMPANY
State: MD
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:
Td bank has been showing my Transactions and experiences. They have been doing so in a negative fashion since XXXX of 2018. They have been notified by my by every Avenue required by law and they still refuse to remove or put things into a positive. They have caused me pain and suffering, loss of jobs, dropped credit score, denial of residency, weight loss, increased insurance rates, loan denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CITIBANK, N.A.
State: OH
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:
Citi bank is not processing my credit card payments in a timely manner. After 3 months of refusal to process my payments I have discontinued sending them. After closing my account as an act of retaliation and revenge, Citi bank refuses to work with me, refuses to provide me with customer support, refuses to accept and process my payments, all in retaliation to complaints filed. 

I sent Citi a check for {$330.00} in XXXX 2019 along with my last complaint to Citi and the XXXX. In XXXX I opted in to reduced payments at approximately {$60.00} per month due to covid19 relief, however Citi has not granted me the same covid reief as everyone else and continues to charge me full payments despite granting me covid relief. 

Citi refuses to provide me with customer support and refuses to accept my phone calls when I attempt to reach out to Citi. Since Citi does not want their employees talking to me, and since Citi does not want me communicating with them via telephone, Citi needs to mail me their response and correspondence. 

Citi has not responded to my complaints, has not cashed my check or processed my payment, has not granted me the covid relief and reduced payments promised to all customers, and is now stating I owe {$1000.00} dollars as of today.

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 2021-01-11
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notification that my credit score has dropped 50 points from a debt collector XX/XX/XXXX. The debt is showing for Speedy Cash, the original debt was added over 7 years ago. The debt was sold twice since then and removed twice to be added back on XX/XX/XXXX. The debt is {$520.00} added by XXXX, XXXX XXXX XXXX. I reached out in form of a letter requiring proof of debt and is still awaiting a response. This has caused inconvenience by dropping my credit in the times of a pandemic. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I WAS APPROVED FOR AN AUTO LOAN AS STATED BY SALES SPECIALIST AT XXXX XXXX BUT WAS ASKED TO PUT DOWN ENORMOUS DOWN PAYMENT OF {$5000.00} AFTER INFORMING THEM OF INQUIRY DISPUTES ON CREDIT REPORT WAS TOLD I WAS APPROVED BUT DENIED BY CHRYSLER CAPITAL FOR NOT WANTING TO PAY A HIGH DOWN PAYMENT I EXPLAINED I WAS A XXXX XXXX  AND THAT THE VEHICLE WAS FOR PRIVATE USE LATER TO FIND I WAS DENIED FOR NO SCORE ON CREDIT REPORT THEY ASKED ME TO COME UP WITH CO SIGNER AND TOLD ME I CANT USE MY WIFE BECAUSE HER CREDIT IS BAD AT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX, I received notification from XXXX XXXX XXXX XXXX XXXX in attempt to collect a debt ( original creditor : XXXX  XXXX XXXX  XXXX. ) in the amount of {$1300.00}. I called XXXX XXXX XXXX to address this issue as well as to offer a settlement. I provided the Male Representative with a settlement offer in the amount of {$800.00} dollars, the Representative declined my offer and he stated that he would take {$990.00}. I told the Representative I do not have that much money and I would have to call back. 

On XX/XX/XXXX, I received legal communication from various attorneys ' office regarding a lawsuit being filed against me by LVNV Funding LLC ( collection agency ). I never received any telephone calls or notification about this matter. Nor did XXXX XXXX XXXX contact me in attempt to collect this debt. 

I would like to settle this debt in the amount of {$660.00} dollars. I will make a payment in this amount ( {$660.00} ) to close this account immediately. Thank you for your time and consideration. 

With gratitude, Debt Owner

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: TX
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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: KY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them in my file immediately : 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 explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: KY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them in my file immediately : 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 2023-10-26
Company: NEW YORK COMMUNITY BANCORP INC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I have a home loan that I originated with XXXX, which was sold to XXXX, and re-sold to Flagstar all in the space of 3 years.

Flagstar did an escrow " analysis '' early this year and added an additional XXXX dollars to an already overcharged XXXX a month escrow account. Thus I was forced to pay XXXX dollars a month which totals XXXX dollars annually. Taxes of XXXX and a homeowner policy of XXXX per year total XXXX. 

This meant Flagstar was taking about XXXX dollars more from me per year than they needed to. I am retired, live on a fixed income, and that additional XXXX dollars or about XXXX bucks a month would help me pay other bills. 

After a 3 month process which I began on XX/XX/XXXX, Flagstar finally waived my escrow account. They forced me to sign a waiver that allows them to take XXXX dollars from my escrow account before they would refund the balance to me which was XXXX. After they took their cut of my escrow- the net amount was XXXX. 

Here are my complaints. 

XXXX. I originated my loan with XXXX. I never agreed to these terms with Renasant. Or XXXX. Or Flagstar. I have no contract with Flagstar other than- apparently my application and loan can be resold and new terms added at will- without my approval. 

XXXX. It was Flagstar 's fault for overcharging my escrow account which necessitated my asking escrow to be waived. It seems rather dubious and shady that they can complete an escrow analysis, overcharge customers, and then keep the money all year until the next " escrow analysis. '' Had they left the escrow at XXXX a month, it would have worked out fine. 

XXXX. Flagstar forced me to sign a waiver giving them XXXX XXXX of the outstanding mortgage balance or XXXX. In order for me to have my escrow waived and refunded- they forced me to sign that waiver first. This was not voluntary. In order for me to regain control of my money and finances- and obtain that refund- I was forced to sign. 

I did not cause any of this. Flagstar took XXXX from me. I would like my money refunded.

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 2021-02-05
Company: Carma Enterprises Inc
State: NV
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:
After months and months, I have still not made any progress in getting this company to do the right thing, So i am turning to CFPB for help. They are reporting inaccurate information to my credit report and it needs to be deleted ASAP. They never seem to investigate only give false claims, The XXXX  was unable to help i am hoping that you can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please re-investigate the information that are NOT relating to any transaction by the me. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit 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 2019-04-17
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was contacted by my spouses 's brother and wife regarding phone calls from XXXX XXXX onXX/XX/2019.They had been receiving calls for about 6 months prior to this date. XXXX XXXX identified themselves as a debt collector, the name of the store card they represent and gave them my name. I am not associated with these family member 's and my personal business has now been shared with other family members, causing further hardship, anxiety and distress for my immediate family and I. I never gave this phone number as a contact number and it should have never been called. What actions can I take?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Accounts : XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00} XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00} XXXX XXXX Date Opened : XX/XX/2019 Balance : {$5000.00} XXXX XXXX Date Opened : XX/XX/2019 Balance : {$7900.00} XXXX XXXX Date Opened : XX/XX/2019 Balance : {$7600.00} I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy...

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 2021-02-05
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: Information belongs to someone else

Complaint:
This serves as a follow-up to my previous complaint. I have also filed a report with the FTC XXXX reports attached ). 
In XX/XX/XXXX I opened an account with XXXX XXXX ( acct ending XXXX ). I never missed a payment. In XX/XX/XXXX I was notified by XXXX XXXX that my account had been charged off. Knowing that to be false, I asked them to produce proof. The account number ( acct ending in XXXX ) they provided me didnt match my account. They then told me that I opened a second account with them sometime in XXXX. I notified them that wasnt the case and asked them to produce something in writing showing that I asked for a second account. They were unable to do so. In XX/XX/XXXX I filed a formal challenge with Equifax XXXX please see attached ). They never investigated the case. I reached out to them again in XX/XX/XXXX to plead with them to finish the investigation they started in XXXX. Not only have they done nothing, but they also lowered my score just for challenging them ( please see attached ). The Fair Credit Reporting Act states that disputes must be completed within 30 days of the initial dispute. It has been over four months. In addition, Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, states that [ Equifax ] is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Equifax has done neither. In my initial complaint with the CFBP Equifax accused me of using a 3rd party to file this complaint. This shows their contempt for the investigation process.

Company response to consumer: Closed with explanation