BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax, is a reputable company. They have assumed the position of providing consumer reports for decades now. I find it interesting in this time where I have started disputing some inaccuracies on my report that my entire consumer report profile has gone blank. Nothing being report, whats ever. Is this was we have come to? This is why we dispute the incomplete and inaccurate data. Didn't they just have a data breach in 2017, where millions of consumers were impacted. When I log into my account with Equifax, I am fearful, that when I see the " technical issues '' prompt, immediately I think that my profile has been hacked or worse, my information is now going to be used against me. I don't know what to believe with these companies anymore, my trust with them is shattered. A few disputes and then suddenly account wiped blank and even worse, we have to wait 31 days for an update with Equifax for any relevant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX : XXXX billed the wrong insurance company ( XXXX XXXXXXXX ) for my XX/XX/2021 visit. XXXX XXXX  denied the bill because I was no loner insured by them. I am insured by XXXX. I have gone to quest several times since my XX/XX/2021 visit and they have correctly billed my XXXX insurance. They wrongfully sent my bill to a collections agency called Radius Global. 

RADIUS GLOBAL SOLUTIONS LLC : I originally disputed the validity of the debt because it was billed to the wrong insurance company. Since, the original dispute. I have sent several emails with proof of my correct insurance, proof of coverage etc. However, Radius global is still contacting me saying that XXXX says I am still responsible for the bill. My correct insurance has STILL never been billed.

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 2022-12-30
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:
In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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 have fraudulent inquiries on my transunion credit profile. The inquiries have prevented me from obtaining credit and I need them removed immediately. The fraudulent inquiries are from a company called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. A company called XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 usc 1681 section 602 A my privacy rights have been violated.

Also 15 usc 1681 section 604 states that the company transunion can not publish information on my account without my knowledge

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 2023-07-12
Company: Synovus Bank
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Affirm Holdings, Inc
State: NV
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid 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:
I received a pre-screened offer in the mail for a Chase Sapphire XXXX card with a unique invitation number, implying that I had been individually pre-approved for this card. When I applied I was declined. This immediately knocked 6 points off my XXXX XXXX which will make credit more expensive to me in future. Also, the enquiry will be on my credit history for 2 years making it more difficult for me to obtain credit cards from other providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
There is 2 different people that has used my social security number and got In trouble in two different states one was in New York and the other Arazona

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX XXXX # XXXX 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 explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In 2019 I interviewed a girl named XXXX XXXX for a possible part time roommate for a friend of mine. She preceded to move in with this friend and stole my Identity. At the time my purse, Id, clothes, jewelry, birth certificate, and car went missing. Also credit cards, checks and merchandise adding up to over {$10000.00}. Ive reported to all agencies including a police report, IRS and credit bureaus. So Im finally repeating this last time to you all. I was made aware of this in 2019 when my credit score was abruptly taken down.

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 2021-12-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax removed an account with XXXX & XXXX from my credit report as neither company has been able to validate this debt! Equifax then reinserted the negative information on my credit report on XX/XX/2021 without sending me CORRECT documentation as required by law 15 U.S.C sec 1681i! Nothing was supplied via the original creditor or Equifax! The violation here is the REINSERTION of the item!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received court summons on XX/XX/ without prior notice and proof of claim, requesting that the office provide me with competent evidence that I have any legal obligation to pay. 
Request VALIDATION pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have had this mortgage for a numerous of years and as soon as it was changed to Mr. COOPER We had a problem. We have NEVER had a late payment on our loans and we have had a number of them as we are XXXX XXXX XXXX. A few months ago somehow a payment was made from our XXXX XXXX with an incorrect number on it. Is would have been easy for them to contact us because our name was there in plain sight. Instead they sent the check back to our bank without contacting us. By the time we got the returned check it was about a month out. We started contacting Mr. Cooper and trying to figure out what happened. It took several calls just to find out why the check was returned. They didn't even tell us the problem until WE started calling them. We eventually figured out the problem and sent several payments to fix the issue. 
I tried reasoning with them to fix the credit reporting because they can plainly see we are great customers with NEVER a late payment. They didn't care! OUR CREDIT WENT FROM AN XXXX TO A XXXX BECAUSE THEY COULDN'T BE BOTHERED TO CONTACT US WHEN A CLERICAL ERROR WAS MADE ON A XXXX XXXX PAYMENT. THEY WAITED UNTIL IT WAS A MONTH LATE TO START CONTACTING US! 
I HAVE TRIED SEVERAL TIMES TO SPEAK WITH THEM TO FIX THE CREDIT REPORT AS THEY CAN SEE WE HAVE ALWAYS BEEN GOOD CUSTOMERS BUT NO! THEY REFUSE.

IT SEEMES LIKE A SCAM TO ME.

T E R R I B L E C O M P A N Y

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: SOUTHERN TRUST MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am aXX/XX/XXXX XXXX veteran and I was attempting to purchase a home that was new construction. The home was XXXX and I was already pre aprroved through XXXX XXXX  for up to XXXX but the builder and they realtor was requiring me to have his bank look over my application to see if they would be able to approve my loan. They were forcing me to have their lender look over my credit to see if they would approve my loan. They were also giving an incentive of 2 % on closing costs if I used their lender but refused to offer it to me because I refused to utilize thier lender. I had already chosen XXXX XXXX  to do my mortgage. I had no affiliation with XXXX XXXX  so I refused to let them go over my credit. they refused to sell me the house if I didn't let their lender which was XXXX XXXX  look over my credit. I refused to let XXXX review my credit so they refused my offer for the house. I subsequently bought a XXXX house 2 weeks later with no problem. I feel like they discriminated against me due to the fact that my Mortgage Company and my Realtor are both XXXXXX/XX/XXXX owed and because I am also XXXX XXXX. I'm filing this claim because I know tht they have done this to other XXXX veterans

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 2023-05-22
Company: EQUIFAX, 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:
When I looked into my credit report, I found that there was inaccurate. The XXXX credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify this reporting account as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the unverified account ( A ) : XXXX XXXX XXXX Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: GA
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 XXXX  Account # 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 setcion 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 2022-07-07
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on the forbearance program for XXXX  months after the forbearance program mortgage company offered to modify my loan but instead of keeping payment the same or lower the monthly payment increased and the interest of the loan increased as well from 3.875 % to 5.125 %

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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I made an in-person deposit in form of a United States Treasury check at my local Bank of America branch on XX/XX/XXXX and was assured the funds would be available the next business day. The teller swiped the check through their reader and verified the authenticity of the check. 

Later on in the evening of XX/XX/XXXX I received an email from Bank of America telling me that my funds would not be available until the end of the following week on XX/XX/XXXX due to them believing the item/check may be returned. 

That is simply unacceptable. We are talking about a somehow larger check, sure, but its a valid check from the US Treasury and not subject to significant holds under Regulation CC and if, on the rare occasion, an exception is invoked you better be very sure there are grounds for that and you arent placing an undue burden on the customer. A week and half hold for the full amount of the deposit of an, again, US TREASURY check is simply unacceptable, so I have to wonder why and how this decision was made. 

Apparently the person at the bank, who actually held the check and verified it, had no issues with it, so what happened here? Someone in the processing center came across this deposit and decided to just slap on a hold on it due to believing the funds wouldnt be available from the US Treasury? 

My account is in good standing and has always been so. My balances are typically in the neighborhood and have been in excess of this $ XXXX deposit, so its not like Im a new customer or someone who isnt known to the bank. 

Was it my foreign sounding name that caused someone to put this hold on my account, because I cant imagine what else it was? 

BoA didnt even attempt to mitigate the situation even somewhat by making a portion of the check available, but instead is holding the entire amount. 

BoA also did this after close of business at which point I couldnt go back into the branch and ask for the check back so I could deposit it at my credit union, who wouldnt have acted in this manner. 

There simply is no good reason to have this long of a hold on a properly endorsed check from the US Treasury, because surely if the check was fraudulent, law enforcement for the treasury wouldnt be waiting until the end of next week to notify BoA and myself of that l, and if the check cleared, it would happen also way before that, so for me to not have access to the funds before some arbitrary date is unacceptable.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have tried to remove wrong personal information on my credit file with Experian and it has not been removed. 

15 USC 1681. I did not give anyone written permission to use my personal information on my behalf

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 2022-05-17
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Prepaid card of {$200.00} would not work or be activated. 
When I called the number on the back of the card, they assured me that a replacement card would be mailed in 2-4 weeks. 
No card has arrived yet and 2 months have passed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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