BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I opened a Fifth Third XXXX XXXX account on XXXX for {$200000.00}. We were told the process would take 3 - 4 business days. By XXXX XXXX we still had no access to our funds and 2 letters arrived from Fifth Third informed us that our account was on temporary hold. Reason for hold on deposit : Confidential information that check XXXX not be paid. Date funds available for withdrawal : XX/XX/XXXX. 
XXXX XX/XX/XXXX we visited the XXXX XXXX branch. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX said she would see about getting the temporary hold pulled by Monday ( XXXX XX/XX/XXXX ). We did candidly express our concerns over The Consumer Financial Protection Bureau filing a lawsuit in federal district court in the XXXX XXXX XXXX XXXX against Fifth Third Bank , National Association ( Fifth Third ) ( RE : XX/XX/XXXX ). 
Also we learned that the U.S. Attorney 's Office, Southern District of Ohio announced XX/XX/XXXX : XXXX charged in conspiracy to steal account information, money from bank customers. 
Also we learned that the U.S. Attorney 's Office, Southern District of Ohio announced XX/XX/XXXX Defendants sentenced for roles in conspiracy to steal account information, money from bank customers. 
With this unusual temporary hold that was never disclosed upon opening the account on XXXX XX/XX/XXXX we felt that the CFPB should be advised. 
Fifth Thirds XXXX XXXX did assure us that we would still be accruing interest from the account opening date XXXX XX/XX/XXXX. However, in the meantime Fifth Third, XXXX, Ohio has put a hold on {$200000.00} of our funds until XXXX XX/XX/XXXX ( 11 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2020, I started the refinance process in NY with Mr. Cooper ( formerly Nationstar ). The loan officer XXXX XXXX provided me a loan estimate with a 3.25 % interest rate after a 1 % point purchase without my knowledge. After a few months of them processing the loan, closing was scheduled in XX/XX/2020. I learned of the average interest rate at that time and realized they were charging me a much higher interest. I received a loan estimate from another bank, and they offered me 2.75 % with 0 points. I brought this to the attention of my loan officer and he said company will match it with extra {$500.00} fee. I then asked him if the original points would be removed from the loan and he said no. I was forced to buy points without my consent for an interest rate much higher than the average. Then when he said he would match the other bank 's offer, he refused to remove the points but only matched the interest rate to 2.75 %. Why am I forced to still buy points if my interest rate is not going to be brought any lower?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TrueAccord Corp.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX I received an email from shop-pay saying my loan had been charged off. Since then I have received for XXXX emails from XXXX consistent names. XXXX XXXX and XXXX XXXX have both harassed me via email claiming to represent True Accord in an attempt to collect the alleged debt. I have never had any contact with True Accord or done business with them before. In addition to this shop-pay is consistently denying my creditworthiness because of this decision. I know this is unlawful to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
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: Their investigation did not fix an error on your report

Complaint:
For the past two years, I have been investigating my credit report and this process has caused XXXX XXXX upon me as XXXX, XXXX, and Transunion Credit reporting continue not to respond toall of my disputes, report inaccurate information on my report, and fails to verify the inaccuracies. Information between the three reporting agencies varies tremendously. TranUnion consistently have ignored all of my disputes. I have had my identity comprised several times from my previous employers and even by XXXX. My monitoring of my credit file has unverifiable, invalidated, inaccurate, and questionable items that these agencies were reporting as 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate in my credit report and under 15 US Code 1651e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my rightsprotected consumer rights to privacy and confidentially under XXXX XXXX XXXX 

XXXX XXXXXXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX  XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

Under 15 USC 1681 section 602 A, I have the right to privacy. Under 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information isinaccurate.

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 2019-10-10
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: Information belongs to someone else

Complaint:
Inaccurate information on my credit report. Accounts does note belong to me. FTC violation. 
name ID # XXXX does not belong to me. 
Social security does not belong to me. 
phone XXXX does not belong to me. 
adress ID # XXXX does not belong to me. 
XXXX XXXX XX/XX/XXXX {$2600.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$4000.00} does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$1600.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$5500.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$5000.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$640.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3800.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$10000.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$7100.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3200.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$51.00} does not belong to me.

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 2023-01-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 USC 1681 Section 602 ( A ) States i have the right to privacy 15 USC 1681 Section 604 ( A ) Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( c ) ( 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 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the statute regarding ID theft victims having information blocked from their reports, the statute requires the CRA 's to block the information within 4 business days, it's been longer than 4 business days!!

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 2021-03-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I've been trying to recover my paypal account. Its started when my money is on hold and i waited for many days before they returned it. I already send details for account limitation but they responded that i am permanently limited. Now i cant even convert my USD money to PHP. It always stated that " Were sorry, things dont appear to be working right now. Try again later. '' How can i convert my money and how to withdraw it? Can my paypal account limited becomes unlimited again? How? Thanks and i hope you could help me resolve my problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I mailed a letter about inaccurate accounts showing on my credit file and asked for an investigation. It has almost been two months and I still haven't received a response in the mail. This is way past the time that the FCRA allows!!!

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: FL
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: Was not notified of investigation status or results

Complaint:
I am composing this letter to request the elimination and exclusion of the specified accounts and associated information from my consumer report. The accounts and details listed below should not be present in my consumer report, as their inclusion constitutes a clear breach of both the FDCPA and FCRA. I urge you to promptly take action to delete and expunge this information from my consumer report, as it is in violation of numerous legal regulations. Please proceed with the removal of these accounts and information without any delay.

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 2023-08-08
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Midland Mortgage division of Midfirst bank. 

I am in the beginning of XXXX  XXXX bankruptcy. I filed because of credit card debt not because of my mortgage. I pay on time and only had problem during covid. I was with " another mortgage company at that time. I was given a forbearance followed by a partial claim. Since then I had no problems until I went online at the first week in XXXX and discovered no online options for payment were available for me. 

I called customer service and was told because I am in XXXX  XXXX, I will have to mail or overnight my payments. I commented that is causing a hardship for people trying to hold it together. The said that is just the way bankruptcy customers payments are accepted by the company. I had received no communication from them alerting me to this procedure. 

I was upset and hurt because I believed I was dealing with a pretty good company that cared for customers. I called back and I was informed that I could wire my payments. I wired my payment that day. I had to pay my credit union {$15.00} to wire it and pay the mortgage company {$8.00} to receive it. That was XX/XX/2023. I called today XX/XX/XXXX and I was first told they didn't see it. Then they informed me that my payment would be credited to my account within 5 business days of them pulling it down? ( I think that's what she called it. ) I asked them to provide me with written acknowledgement. The said I could see that info on my statement. I told her I checked on line for payment history and it was turned off. She said, yes bankruptcy customers don't have access to that information. 

I don't think this is right. I can't get confirmation, I can't see my payment history, I have to pay money to get payment on time and they do not immediately apply the money to my account. Please help me. This is bad business! I just want a receipt when i pay my bill l and having to go through so much to pay money on time and I can't see or get confirmation is like dealing with a loan shark or some other type of villain. I don't trust this kind of dealing. My payment is XXXX per month and I have no way to acknowledge or see when it is posted until my statement is sent.

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 2015-09-09
Company: BBVA FINANCIAL CORPORATION
State: NM
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Sub was repossessed XX/XX/XXXX when I was on unimployment XX/XX/XXXX I got a call from compass bank XXXX to satisfy the loan which was XXXX at the time so we negotiated for half that and XXXX dallers a month which I could not afford but I said ok she said make a few payments and they might right off the rest so after making a couple of payments my XXXX dollars a week of unemployment benefits I could not pay it they must have sold it to a company because when I went back to work XX/XX/XXXX I got a letter from my employer that I had to relinquish 25 % of my after tax income to the sun loan company and that I owed the. XXXX And some change I 'm at a lost for this please help my phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Paramount GR Holdings, LLC
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 status incorrect

Complaint:
GoodLeap is a finance company for solar panels. On XX/XX/2023 I sent them a debt validation request and requested that until they sent a response to the debt validation they cease reporting any negative or derogatory reporting to the credit bureaus and code the tradeline as " in dispute. '' To date GoodLeap has not provided validation and reported the tradeline as delinquent causing my transunion credit score to drop XXXX XXXX this month. They knowingly violated the FCRA by not accurately reporting the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: NY
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
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: Account status incorrect

Complaint:
Recently, I filed for an Auto Loan and I came across discrepancies on my credit report and my credit score. According to the report, I have a total of 8 accounts on my credit file when I have a total of 6. Secondly, I have XXXX XXXX as a satisfied account for my credit and my balance is in good standings. Thirdly, XXXX XXXX should not have screened my credit multiple times when they initially had ran my information on file to share with there sister branches through XXXX. Furthermore, I contacted XXXX XXXX  XXXX about my ambulance bill from XX/XX/2018. They have submitted a payment request last month on the XXXX of XXXX to my insurance and told me they will remove this off my credit once satisfied from pending claim. Lastly, my credit score shouldn't be so drastically different from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: U.S. BANCORP
State: WA
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:
Received my report from XXXX after I was denied a checking account at XXXX, I saw that there was a erroneous charge on my file from US Bank in the amount of {$1300.00}. I filed a dispute with XXXX and requested validation, they claimed the debt was valid and refused to give me documentation from US Bank proving the alleged debt. I believe that XXXX is continuing to report this account in violation of FCRA, since they should have deleted it when they couldn't produce validating documentation for this alleged debt. They are causing me economic damage at this point, as I have been denied other accounts due to this false information they are publishing about me. I have read online that they have a history of this false reporting, which has led to class action lawsuits in the past.

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 2021-02-11
Company: Santander Consumer USA Holdings Inc.
State: IL
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 purchased a car and I see there are 2 credit inquiries from Chrysler Capitol just 7 days apart. There is no reason why this company needs to pull back to back credit inquiries, other than to lower my credit score. I did not authorize 2 credit inquiries. For some reason, it's only XXXX that has multiple double credit inquiries on my report, significantly lowering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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