BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: Synovus Bank
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX stated they were not a debt collection company. They were working to negotiate a resolution for a debt that was from 2004. The first woman was very rude and kept hanging up when I tried to get additional information. They have called my mother, wife, father, and one of my brothers ( at this point ). I did ask them to stop all contact. I still have no idea what the supposed debt is for. The representative also told me that they are going to do a review of my assets to determine what they will take to resolve this and that a public judgement will be issued against me that my neighbors can see. I believe this is a scam and not sure of this is a reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: ID
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:
Equifax ; XXXX  and XXXX should not be reporting a chargeoff in the amount of {$970.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was XXXX and on XXXX XXXX. My wife had power of attorney and she called XXXX to make payment arrangements on this account however, the representative she spoke with told her that she did not have any authority to discuss any matters regarding this account on my behalf because she was not listed on the account. This is completely false. Power of Attorney gives her the legal right to negotiate on my behalf regarding financial matters while I was XXXX. We used the entitlements listed in The Servicemembers Civil Relief Act ( SCRA ). The SCRA clearly states if any of the benefits under the SCRA are used : The delay of payments wont reflect on a credit report. This false reporting of a chargeoff is seriously harming my credit score. Consequently, this account needs to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have recently entered into the loss mitigation program my mortgage company XXXX XXXX COVID-19 related hardship, including a payment forbearance program made pursuant to the Coronavirus Economic Stabilization Act, section 4022 ( 15 U.S.C. 9056 ) ; it also includes, without limitation, all other principal and interest payments that are due and unpaid by a borrower experiencing COVID-19 related hardship. For purposes of this paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ), the term of the mortgage loan means the term of the mortgage loan according to the obligation between the parties in effect when the borrower is offered the loss mitigation option. ( 2 ) Any amounts that the borrower may delay paying as described in paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ) of this section do not accrue interest ; the servicer does not charge any fee in connection with the loss mitigation option ; and the servicer waives all existing late charges, penalties, stop payment fees, or similar charges promptly upon the borrowers acceptance of the loss mitigation option. ( 3 ) The borrowers acceptance of an offer made pursuant to paragraph ( c ) ( 2 ) ( v ) ( A ) of this section ends any preexisting delinquency on the mortgage loan. XXXX XXXX : Acct # 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 2023-07-13
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract NATIONAL CREDIT ADJUSTERS. They did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX i was financially struggling shortly after XXXX hit and this company did not notify me nor were flexible with working with my financial crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There are numerous hard inquiries posting on my credit report for which are inaccurate and not authorized by me. According to consumer law, any unauthorized activity must be investigated. The following inquiries need to be removed from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-05-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a promotion in XXXX of 2020 where HSBC would pay $ XXXX/mo for 6 months if I kept a minimum direct deposit amount of $ XXXXmo. The promotion was supposed to start paying $ XXXX/mo at about 2-3 months after opening a checking account.

I messaged them about 4-5 months after opening my checking account when I did not receive my $ XXXX/mo. They said that they could not give an answer about the issue until more time had passed from the start of the promotion. 

I messaged them again recently, and they now are saying that they will not honor the terms because I did not use their " Apply Now '' button on their promotional page. Their excuse is not true. Their promotional page is the only one that I used to sign up for an account. There were two different options with the " Apply Now '' button and I remember deliberating for a while between the options before deciding to use the button that matched with the $ XXXX/mo for 6 months.

This is a classic bait-and-switch from HSBC. They promised an offer, gave me the run around when I asked about it, and now are saying that they won't honor the offer after the promotion is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

I WANT ALL THE BELOW ACCOUNTS TO HAVE ALL LATE PAYMENTS REMOVED ASAP. This is illegal and a violation of credit reporting act. I will be suing the credit reporting bureaus for falsely reporting and causing me to be homeless for over a year. 

All inquires not tied to an open account need to be removed asap. 

Late payments needed to be removed ASAP : XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, I, XXXX XXXX have contacted the fraud department of Transunion and XXXX several times through mail and by phone in XX/XX/2023 to request the immediate removal of two unauthorized inquires. Furthermore these inquires aren't connected to any of my items on my credit report so it is very concerning to me. I am anxious to begin the process of buying me and my families first home soon, but these unauthorized inquires are hindering my ability to be appealing to lenders yet alone qualify for the best, competitive rates and mortgage opportunities.

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 2019-08-25
Company: Bull City Financial Solutions, Inc
State: VA
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:
This is concerning XXXX XXXX of North Carolina. I was first contacted in 2014 by their collection department stating I owed {$200.00}. 
I explained to the person that I have never lived in the State of NC so this was impossible & that someone must be using my personal information fraudulently. They did their investigation and told me they obtained my information from a rental application for an apartment. I then contacted the rental company who had also filed a claim against me for non payment of lease. I was shocked because I have never lived in NC. The rental agency cleared me of all liability. I contacted XXXX XXXX again and they assured me not to worry that the charges would be deleted. I thought this was supposed to be handled in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
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 have requested proof off debt and any sign agreement or contracts related to the fraud account.,

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 2020-11-08
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I'm being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I has been well over 45 days. Which mean it should be deleted immediately. If they are deleted from my credit report. I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company ( AmeriHome ) sent me notice that my insurance policy was ending in 15days. I reached out to the insurance agent, who informed me that the mortgage company was billed for the insurance. 

Now I have reached out several times to the mortgage company to see what is going on and can not get any response. I emailed customer service, sent a message through their website, and I have called and never been able to reach an agent/person. 

This is the second time in which the mortgage company has been completely unresponsive during a serious and time sensitive issue, that has been caused due to their mishandling. What am I supposed to do if I have no possible way to contact the mortgage company at all, and they are responsible for having the issues taken care of?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance {$170.00}, XXXX XXXXXXXX Balance {$2000.00},, XXXX XXXX Balance : {$7600.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 non-monetary relief
Consumer complaint received 2022-03-11
Company: Alpine Financial Solutions, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Company approved me for a business loan of XXXX but pay them back XXXX in XX/XX/21. 
They debit XXXX a day from my business account mon-fri. 
I recently left the contract I used the loan 4 to start up. They couldn't pay what they promised so I went back to old job under another contractor and had to stop my business. 
They held last 3 checks for 90 days to ensure no claims were issued. I told XXXX I need to pause payments until 2 weeks so I can pay with new job settlement. 
They would not do that so they spiraled my account into negative. Down to XXXX I then asked 4 another loan so I can use business account to pay them Now there saying after 5 days of non payment they will add XXXX on the balance 2pay back. 
They have handled this wrong and would not help me in anyway. My business account is ruined.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I was trying to refinance my car today XX/XX/20 and I was unable to do so because when they ran my credit, I was told that there were accounts and inquiries reflecting badly on my credit history. I had no idea what they were talking about but after looking through my credit report myself I saw five accounts and a few inquiries on there that I never opened. The five accounts listed on this report do not belong to me nor did I give anyone permission to open them in my name using my personal information. At this time, I still don't know who is responsible for opening these accounts but I have already filed a police report. I did not benefit anything as a result of these account being opened in my name such as money, goods, services or any other benefit nor did I ever contribute to any payments that might have been made towards these debts. I am not affiliated to any of these companies in any way. I never signed any contract with them and I never allowed them to access 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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