BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
In accordance with thee 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, Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Apple Bank suddenly decided to close their branches, claiming due to covid, while other banks remain open, depriving me of access to my banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX/ Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX UNIVERSITY OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/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 2022-08-09
Company: ALASKA HOUSING FINANCE CORPORATION
State: AK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for Homeowners loan financial relief through the Alaska XXXX XXXX XXXX, Application # XXXX, I applied XX/XX/XXXX, Submit the XXXX, with application received XX/XX/XXXX. Deadline was XX/XX/XXXX. XXXX. We went through every step required and were denied due to our homeowner 's loan being through our Business account with Alaska XXXX XXXX XXXX. The business closed in XXXX of XXXX. The Bank gave us a business loan in XXXX to buy our home since we couldn't qualify for a conventional loan. It wasn't an equity loan for the business because the business was already closed. We gave them all the loan paperwork, plus the second we took out on our home to pay off the business line of credit we owed on. This process took Alaska Housing 3 months to process on their part. Finally, XX/XX/XXXX they denied my appeal because XXXX ) Both documents are documented business loans, but the business closed in XXXX and the loan for the house was in XXXX. XXXX ) Both loans had a loan date of XXXX and XX/XX/XXXX of XXXX. The reason was the loan had been extended year to year and they were due again. The Bank wrote a new loan for 15 years to help us out, so we weren't having to renew every year. The loan numbers never changed and were just renewed to prevent foreclosure. I provided Alaska Housing the contact info for our loan officer to verify the information I provided them, but they were never contacted. I have been unemployed since XXXX and XXXX limited to a XXXX. I have been turned down on all my interviews to date. When I researched the XXXX program it states any mortgage, or deed of trust, through any business identify holding the deed of trust. There is no language that states it can't be through a business loan for my personal home. My wife and I won't be able to make XX/XX/XXXX payments on the XXXX and XXXX. We are also our being foreclosed on for our property taxes that exceed XXXX Dollars. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
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 have been a victim of identity theft and I noticed new accounts on my credit report. 
I have sent in a Federal Trade Commission Report to have the items removed direct to the credit reporting agency and they are still have not removed it 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 2020-08-02
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have been disputing this account for a couple years now. Experian does not review information given in the comments for the dispute. I have sent in documentation to fix these errors and Experian has updated portions, but has left very hurtful and inaccurate information on many accounts. There are accounts that I have proven to be paid in full and Experian update the info but still it as a charge off. Much of the payment history in accurate and not on the credit report at all. I also have collections accounts on my report, but when calling to verify for myself, the information provided on the report does not match what these companies had. They could not verify without me giving them sensitive information ( SSN and DOB ). Experian, therefore could not have done an independent verification process with the original creditors. Additionally, there are things in collections that I have invoices for, showing creditors being paid on time ; Experian has updated that information as collections. They have also reaged debt with collect and have re-added information that was rightly deleted for lack of verification. I have also request information on how Experian conducts its independent investigation and have never received those reports.

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 2021-09-13
Company: General Motors Financial Company, Inc.
State: GA
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:
GM financial is reporting the account that I had with them inaccurately. XXXX is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent certified letters out to them and I am not getting know respond at all. The debt that they are trying to receive have been removed off of my credit report and put back on there. By Law they can not remove debt and put back on there. Once it comes off my report it must stay off. They will not respond to none of my certified letters that I have sent out. Please Help. 
Thanks. 

Account ; Midland Credit Managem Account Number ; XXXX Balance ; {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2019 I contacted Chase about an email message I received from them ( see `Chase denied it sent this notification from Chase XXXX` attachment ). To my surprise Chase in its response denied that the email message was sent from Chase and claimed that it was a " phishing '' email message ( see 'Secure Messages - chase claiming that the email was not sent by chase XXXX ' attachment ). 

It is not clear to me if Chase does not want to discuss the contents of the messages it had been sending to me by making such denials or it truly believes that my email address that I have provided to Chase and which the message was sent and the balance on my credit card account that was included in the message were accessible by some other party that was sending " phishing '' messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Windham Professionals, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly told this debt collector to stop contacting me let this is harassment they still try to call me. I have reported the harassment to law enforcement please see the attached police reports. I also told them that I'm on the federal do not call list. The company has been spoofing their number

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 2022-09-07
Company: Experian Information Solutions Inc.
State: OH
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 received an alert that my credit score had dropped. When I called Experian, they stated that I was more than 150 days late on payments in XXXX. I asked them why you are reporting on something last year. They said that XXXX reported it. I called XXXX, and they stated that no one had reported my account as late for this year. XXXX noted that I had late payments in XXXX but nothing for this year. XXXX said they would send me a letter and let Experian know that I have not been late on any payments for XXXX, and they have not reported a negative on my account. When Experian settled my dispute, they said XXXX said I was still late. When I tried to look at my history for the late payments, Experian blocked that view. They reported my payments as late and dropped my credit score by XXXX  points. I have no payments due currently after I lost my job. Between Experian and XXXX, someone is damging my credit score on purpose. When I was going to dispute with the other two credit agencies ( XXXX and XXXX ), there were no late payments to dispute. Experian dropped my credit score by going back to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Good Morning This involves Bank of the West. They reported to the credit agencies a 30 day late on my HELOC account XXXX took out a monthly payment with ACH from my XXXX account for over 2 years. I made every payment on time, and was never late. The missed payment occurred for the XX/XX/2022 payment. I found out about it when I got a notice of a change in my XXXX score. I called XXXX, they said they changed my account number, and notified me by mail. I told them I never got the letter. They basically said, too bad. I also said they were taking the monthly payment from XXXX for two years and why did it stop? They said they never took money out each month ( Please see attachment ) I called XXXX and they advised me that ACH means that XXXX  was definitely taking the money out each month. I called XXXX and they said they weren't, and that as previously stated they sent me a letter with the account number change ( one letter total ). They wrecked my perfect credit ( see attachment ), I was denied a credit card ( see attachment ), they have been terrible over the phone, and have caused me countless hours of phone calls and follow-up calls. 
Please Advise Thank you 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 2022-06-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 -Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX -Account Number XXXX XXXX XXXX - Account NumberXXXX XXXXXXXX -Account Number XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

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 2022-06-20
Company: Experian Information Solutions Inc.
State: FL
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 : US DEPT ED # XXXX US DEPT ED # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX has violated my rights.

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

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 2024-01-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Experian credit bureau used an onslaught of advertising to truck me into taking a pre approved credit card. I decided after almost daily emails and internal pop ups to do it. XXXX XXXX XXXX XXXX XXXX '' Card was issued without the limit I was guaranteed for applying and they PRE CHARGED me from some other company for the fees charged. They adversely effected my credit in callusion with the Experian Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX etc is the president of a XXXX XXXX  entity known as XXXX  XXXX at the address used physically. This seems to be a XXXX  situation and there is no way of knowing who this person is. The affiliated XXXX XXXX XXXX is an INACTIVE company located in NB. 

I have not researched Experian for shell games and possible maphia fronts perhaps you should. 

There are multiple internet predator complaints about ALL 3 of the companies in question. Please help the other victims of the interactive predatory lending and data breaches. 

They have also yet to answer for the XXXX XXXX XXXX sole proprietorship breaches and alterations of my business file in their business division. Please don't hesitate to mention that.

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 2023-11-11
Company: Experian Information Solutions Inc.
State: KY
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-06-20
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a $ XXXX check that was issued from the State of California on XX/XX/15. I always deposit my checks via the ATM and this was no different. I also deposited a workers comp settlement check for $ XXXX about a month prior with no issues or holds. I requested an email receipt which did not state anything about an excessive hold. A couple of days go by and I notice that they have not made any of the $ XXXX state check available to me. I contact the bank and they gave me reasons that don't make sense as I've never had any type of hold on any checks before. I told them this was a state check and funds will be there with no issues with it clearing. I also provided proof that this payment is legit and belongs to me. Proof from the state of California regarding approval for the $ XXXX workers comp voucher return to work fund as well as a copy of the check stub with the State of California information on it. That did not matter. Now my funds are on hold for almost 14 days. 12 days after I deposited them. They will not release funds from a STATE ISSUED CHECK until XX/XX/XXXX! This money is to help people who have been injured on the job to compensate for loss income. And US Bank wants to HOLD this money from me. I needed the money to help move. Unreal.

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