BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have an open account with XXXX XXXX XXXX XXXX, they had a wrong address on file for my account it was a Virginia address, while I was living in North Carolina. I had to call them and let them know I never stayed at that address they had on file and had to get it changed. 

In 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.

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 2023-08-09
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: Their investigation did not fix an error on your report

Complaint:
Please be advised that the final account statement in the amount of {$4600.00} shall be waived as my lease agreement with XXXX was terminated due to incapacitating injuries arising out of an automobile incident which occurred on XX/XX/. As such, I submitted a notice to vacate on XX/XX/2023 

Under the Texas Fair Housing Act, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas Fair Housing Act broadly prohibit discrimination in rental dwellings. 

Additionally, XXXX XXXX XXXX XXXX XXXX has admitted to closing the account and XXXX has removed the collection from my report. However, XXXX and TransUnion refuse to do so, I'm not saying my information is incorrect, I'm stating that the account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is regarding a XXXX XXXX Rewards Visa issued by Comenity Bank. The last week of XXXX my card started being declined. I do not have any past due. with {$3000.00} in credit. I have called customer service many times and nobody ever answers. They hang up after 25 mins. Luckily I was able to pay my bill online. The phone number XXXX. This is only number for everything, including fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EMCC Holdings, LLC
State: AZ
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 had my credit ran by a mortgage lender and an account EQUIANT FINANCIAL SVCS is reporting with XXXX. I had already reached out to this company letting them know this is NOT my account, i filed a police report ( attached ), I reached out directly to XXXX and let them know that the account is not mine and that there was someone else 's name on my report 'XXXX  XXXX XXXX. I also went to the Social Security Office and let them know to flag my account/ SSN. I have done my due diligence and this negative account is still reporting and negatively impacting my ability to purchase a home. This account is showing as a 'foreclosure ' status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions 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:
All FTC violations XXXX violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.

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 2021-08-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$940.00} XXXX XXXX  XXXX Balance : {$720.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$340.00} XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX we found out on our bank/checking acct got fraudulent ACH transferred of XXXX. Right afterward, we noticed it is fraudulent, we call the bank to freeze the account, and submit a claim. There were two others fraudulent attempts later on but thankfully the account is frozen. The next date XX/XX/XXXX the acct got charged XXXX dollars and XX/XX/XXXX it was attempting to charge XXXX. We got all the funds back from XXXX and XX/XX/XXXX. However the first fraudulent Ach of XXXX was still under investigation according to bank. I submitted everything they needed and police report. I am having no luck on bank of America replying back to me. XXXX is not a small amount of money and I need the fund for my business to operate. Please help thanks. I have been calling the Bank of America every two days, only thing they reply back are " working on it '', I felt like this is inadequate for a big corporation especially a bank we all trusted.

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 2018-08-27
Company: CITIBANK, N.A.
State: NY
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/2018, I contacted customer service to activate a " lounge key '' program benefit that I was previously told I would be eligible for after XX/XX/2018. I contact XXXX at an XXXX Customer Service Call Center, whom initially told me there was no such benefit. After asking to speak to his manager, I was placed on hold for approximately 15 minutes and then told I would have to speak to the benefits team. 

I was then transferred to the benefits team and spoke with XXXX of the XXXX call center. XXXX did not provide her last name, employee ID number or Call Center City stating she is not allowed to give out that information. 

I was instructed by XXXX that I had to contact XXXX XXXX  in order to get this benefit activated. I explained to her that my credit card was not an XXXX XXXX card and that it was a XXXX XXXX XXXX - and XXXX  XXXX benefit - that required Citibank 's activation. XXXX placed me on hold for 10 minutes and then stated she could not assist me and that I would have to speak to customer service. I requested to speak to a manager and was told that no manager was available.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-08-19
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in accordance with the Fair Credit Reporting act IC SYSTEM # XXXX has violated my rights. 
15USC 1681 section 602 A States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instrutions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan.

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 2022-03-01
Company: JPMORGAN CHASE & CO.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I applied to my Chase XXXX holder # XXXX for a Partial Release of Land. account # XXXX. After poor customer service along with being threatened that Chase could pull my mortgage. I had no other alternative but to seek refinancing from another bank. At that time I paid a {$300.00} application fee along with paying a surveyor to write a written description and a {$500.00} fee for an appraisal. ( that was not conducted ). 
I have since then made numerous complaints with no satisfaction. Until one day I received a voice mail from XXXX XXXX, Executive Office Senior Specialist from Chase. 
Phone # XXXX ext. XXXX. This voice mail was received on XX/XX/XXXX, from XXXX informing me " within 10 days I will receive a refund check from Chase for the amount of {$500.00} for the appraisal that did not happen. She also was somewhat snippy informing me I refinanced. AS of this date XX/XX/XXXX, I have not received the refund of {$500.00}. I have attempted to alll her regarding status and she does not return my calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: PA
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:
I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/2023. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2023, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why these accounts shouldve already been deleted. The account not being deleted, proves I am owed monetary compensation for the violations of the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2020-05-07
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I was on forbearance with Navient and was then never informed that I was off of forbearance. They subsequently reported all 6 of my federal loans as being 90 days late in XX/XX/2019 to the credit reporting agencies, which is false. The attached email shows that I was unaware that my forbearance was taken away until XX/XX/2019 when I was put back on forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I received a check in the mail that I thought was for my previous employer. Went to deposit it then I got an email saying my account has been Flag for fraud and my account closed. I tried to contact the bank so they can stop processing that check. But they said it has already started, and there's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for HAF through state of Florida. Caliber had received past due amount from XXXX. They posted this on XX/XX/XXXX. They also received XX/XX/XXXX 's payment in early XXXX and posted the mortgage to my account on XX/XX/XXXX. XXXX 's payment ( send on XX/XX/XXXX ) was not posted until I made a CFPB complaint - then it posted on XX/XX/XXXX. I have tried to contact them via email and via telephone to inquire about XX/XX/XXXX mortgage ( {$1300.00} ) that was sent to them on XX/XX/XXXX. I have now been assessed a late fee, although HAF has indicated the payment has been received and posted by Caliber.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I made a call to XXXX  XXXX and made a {$990.00} payment for my father 's account ( co # XXXX XXXX. The representative took my payment and said there may be a small sum left over. A week or so ago I am called back by XXXX XXXX asking if I could cover the remaining of the balance. I informed her that I was not the account holder, and that this was my cell phone number ; never provided or gave them authorization to call. She asked if I had another number so I could reach my parents. I provided it, and ended the call. The next day she called informing me that she was trying to collect the payment. Again, I informed her this wasn't my account and that she needed to call the number I provided. Mrs. XXXX advised that there was a note to not call the number I provided, and asked if I could get a message over to my parents to have them call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had asked for a credit increase to my amazon store card back in XXXX that was denied. My credit limit then was XXXX XXXX In XXXX I was notified by XXXX XXXX that this account had reduced my credit line impacting me negatively. It also made sense when I looked into it knowing i had transactions on XXXX declined because again that credit line had been reduced. 

I contacted synchrony which provided me as evidence my XX/XX/XXXX letter of the denial for my limit increase. They have yet to provide any letter or proof of that notification. I have asked why i was notified my my credit monitoring service, and for an increase back to my original credit line. Changes like this impacted me negatively by both making my credit utilization to almost 100 % on that line, while leaving me to improperly plan expenses. This should never happen and they should address concerns like this more accurately.

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 2022-11-17
Company: Ready Capital Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The company is GMFS mortgage. The problem is in how they apply their mortage payments. I asked to see consumer disclosures where they explain how payments are applied and they do not have forms online. They told me to MAIL a letter to GMFS XXXX XXXX XXXX GA XXXX and they there are no payment disclures they they would just respond to the letter. The problem is if you make payments throughout the month, they put the money into a suspense account. Then wait until you have the full balance to apply the money to the payment. BUT sometimes they take the money and apply it all towards principle. Even though when making the payment they ask if you want it applied towards the payment, principle or escrow. I put the amount in payment, but they applied it towards principle. They state that after XXXX hrs any money in suspense is applied towards principle. Although this is not stated anywhere nor do they have anything that was signed and agreed to for payment terms. This is alarming, becuase this creates late payments and fees. Also this is not in a written disclosure that you can find online or in a signed document. Who knows how many people they have frauded and recived late payments or misapplied funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: WI
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:
I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

INITIAL DISPUTE DATE : XX/XX/2022 30 DAY DEMAND DATE : XX/XX/2022

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 2022-04-09
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: Was not notified of investigation status or results

Complaint:
I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INCORRECT ACCOUNTS ON MY CREDIT REPORTS. I HAVE YET TO RECEIVE ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

INITIAL DISPUTE DATE XX/XX/2022 30 DAY DEMAND DATE XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2023-02-28
Company: HW Holding, 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:
Hunter Warfield is reporting into XXXX XXXX inaccurate information that was removed from my XXXX report due to Identity Theft in XX/XX/XXXX and XX/XX/XXXX. I was denied housing on Friday, XX/XX/XXXX due to false credits reporting by the aforementioned into XXXX and I promptly contacted Hunter Warfield. They advised Accounts # XXXX XXXX XXXX XXXX {$490.00} # XXXX Commons of XXXX XXXX {$150.00} # XXXX XXXX XXXX Apartments {$180.00} were marked as Identity theft fraud but were still showing up in rental history databases. I asked for a prompt deletion and removal from all databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Nelnet, Inc.
State: CT
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:
XXXX  is reporting an inaccurate account with Great Lakes Servicing. It is incorrectly listed as Open. It has been closed/transferred. I disputed the item with XXXX  but XXXX  did not investigate the item or even attempt to verify it with the company. I called Great Lakes Servicing and was hung up on by two supervisors ( XXXX ph : XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation