BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: TEXAS CAPITAL BANCSHARES, INC.
State: OK
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, opened an internet-only XXXX XXXX  account XXXX XXXX XXXX  is an online-only bank of Texas Capital Bank XXXX headquartered in XXXX, Texas. 

On XX/XX/XXXX, successfully linked new XXXX XXXX  account to another personal banking external account and accomplished test deposits between the two accounts. 

On XX/XX/XXXX, while trying to sign on to new XXXX account, while receiving the access code via smartphone, I received another call and ended the access code call. Later in the day, when I attempted to sign on to the XXXX XXXX  account, I received the following message : " This Login ID is currently disabled. Please contact your financial institution to re-enable this Login ID. '' I immediately called XXXX XXXX  Customer Support and the CSR indicated she was " filing a case with Internal Tech Support ''. 

On XX/XX/XXXX, I again called XXXX XXXX Customer Support to try to receive an update on the situation as it had not been resolved and I was still unable to access my account. The CSR indicated there was " a pending case with Internal Tech Support '' and she would attempt to escalate it and would call me ASAP. 

On XX/XX/XXXX, per the XXXX XXXX Terms of Service, I wrote a letter requesting the account be closed and the balance of the account mailed to me at the address on file. 

As of this date, XX/XX/XXXX, I have not received the requested funds. I have no indication the account has been closed. I am still not able to access the account online. I simply want the account closed, the balance remitted and be able to put XXXX XXXX  in my rearview mirror. 

I hope CFPB can help me accomplish this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquires and a XXXX XXXX account that I did not authorize or give consent that is being furnished on all credit reporting agency 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 2022-12-07
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Credit card Company XXXX XXXX by synchrony bank Has issued cards to fraudulent persons using my name address and personal info And bill me for the fraudulent charges on the miss issued cards How many times you drive to resolve the issten times I have attempted to resolve the issue with the credit card company with the aid of XXXX XXXX XXXX With no results We have spoken with their fraud department at least 10 times since for the last 3 months with the help of XXXX. Each time we talk to someone that's supposed to be able to resolve the issue it is a different person and very seldom they keep notes or refer to the last person we talked to this has been gone over and over again with no results and XXXX has helped with each conversation but still without obtaining any results

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 monetary relief
Consumer complaint received 2022-11-18
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:
You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm really beyond bothered. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt but look how far weve gone! Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like you to delete the account below from my file : 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 2023-05-22
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: Personal information incorrect

Complaint:
I have reached out to XXXX, XXXX and Experian about the personal infomation pertaining to my name and my address. Due to the incorrect info on my report it is causing me to lose out on career opportunities as well as housing myself and my family. My name is XXXX XXXX XXXX, I go by no other name. My address is XXXX XXXX  XXXX XXXX  XXXX. Past address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX there should be no other addresses listed for me. XXXX has a least 10 wrong address listed. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. 

There are collection account on all three that are not mines. Please Update and remove them from my 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 2023-06-16
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I surrendered the home in my divorce in XXXX. My ex-husband was not able to refinance the mortgage and fell behind. Several lawyers advised me that I would have to file bankruptcy to prevent the mortgage company from attempting to collect the debt. The bankruptcy was XXXX in XXXX, including that mortgage. That account showed " included in Bankruptcy '' until earlier this year when ShellPoint Mortgage acquired the loan. A new open mortgage appeared on my account showing missed payments, and in foreclosure. The account was listed as an open, individual loan in my name for that property on my credit report. 

I contacted ShellPoint and spoke to Loan Mitigation XXXX XXXX XXXX. She informed me that filing bankruptcy did not do anything to keep me from being liable for that debt, and that the company could legally report the information on my credit report. She said that the information would remain until my ex-husband made 3 trial payments and they received a copy of the divorce decree and quitclaim deed. I also spoke to a gentleman in Account Services about the incorrect information on my credit report. I advised him that the account should show closed and the comment should state " XXXX in bankruptcy ''. He said that they would not remove the information and that they had every right to collect on the debt, even if I had released it in bankruptcy. There was a notice before that call that it was a recorded conversation. 

I have repeatedly sent the certified divorce papers and quitclaim deed. XXXX continued for several weeks to say they have never received them. Today she has claimed that they received them, but they have to make sure that it " suffices to remove me from the loan ''. Also, she continues to claim that payments haven't been made, despite proof my former spouse has provided that the money was sent and withdrawn from his account. 

ShellPoint has blatantly violated Federal Bankruptcy laws as well as the Fair Credit Reporting Act. They have bullied me and outright lied about my rights as a consumer in an attempt to collect a debt that was XXXX in bankruptcy. They have provided inaccurate information to the credit bureaus to be filed on my credit report, and refuse to remove it. They hold my credit XXXX while they attempted to collect a debt from my former spouse. I have filed disputes with the credit bureaus, but the disputes cam e back that ShellPoint verified that the information was correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, 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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 the attached items, Are two accounts that I did not open, My mother opened those accounts in my name years ago and did not make me aware of them. It wasn't until I looked at my report myself and saw these accounts. I've filed three disputes however they were ineffective seeing as she used my name and social security number for these cards however they were used without my knowledge and There's not an available option for that circumstance, so i'm just trying to undo this mess

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX Balance {$400.00}

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 2023-10-07
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I repaid my loans sometime in XXXX and have since had a negative account balance for my subsidized and unsubsidized loans. I have tried contacting my servicer ( aidvantage ) many times since then. When I could not get in contact with anyone I tried contcing the numbers listed on the Federal Student loan website, anybody i got into contact with told me I had to speak to my servicer. I submitted a complaint on said webite on XX/XX/30 and have not gotten any information since the,. i do have a case number but no representative or any new imformation. On my studentaid.gov account it says I still owe {$1.00} on each loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 non-monetary relief
Consumer complaint received 2023-06-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid our mortgage through ACH. Mortgage payments have been deducted every month on the first business day after the first of the month. PHH reversed the XXXX and XXXX payments on our account and IMMEDIATELY transferred the loan to XXXX. XXXX, upon receiving the loan, thinks we are two months behind on our payments because PHH reversed the payments and put the money in the escrow account. PHH then created a statement for XXXX that indicates we did not pay our XXXX or XXXX mortgage payments, and XXXX also believes we are 90 days behind on our mortgage because PHH FRAUDULENTLY REVERSED OUR PAYMENTS. We did not receive the money back in our account. 

When we have tried to contact either PHH or XXXX, we get " your call will be escalated '' but NOTHING IS HAPPENING. It is unconscionable that PHH can reverse the application of our funds to our loan ( which, it turns out, are sitting in our new escrow account at XXXX ). It is similarly unconscionable that XXXX can not, when presented with evidence of our payments ( which have been provided, including PHH 's statements reflecting our payments PHH 's FRAUDULENT REVERSAL OF THE PAYMENTS and our bank account statements which show the payments deducted from our accounts ) stop the erroneous mail saying that we are in DEFAULT on our loan WHEN THEY HAVE THE MONEY IN OUR ESCROW ACCOUNT THAT EXACTLY MATCHES THE TWO PAYMENTS THEY SAY WE ARE MISSING. No investigation on XXXX 's part appears to account for the mental stress caused by this situation. They insist that they have 15 days to resolve the matter, EVEN THOUGH IT IS OBVIOUS AND THEIR REP SAID IT WAS CLEARLY IN THE ESCROW ACCOUNT. 

We have had mortgages for 20 years. They transfer regularly and we have NEVER been behind on our mortgage. We have NEVER had this happen before and can only attribute it to PHH 's incompetence and FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is absurd. These debt collectors ( Resurgent/LVNV funding ) are using the default date as the date they bought the debt. The original default date of the account they bought was more than 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
The ITEMS listed below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unconfirmed & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to properly investigate the matter by using a third party as their verification provider. I've tried to address this directly with XXXX Credit Bureaus, but despite my efforts, they have been willfully negligent and in violation of XXXX  law. I need this situation to be resolved right away. Please delete the following items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$260.00}.

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 2023-02-27
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX  XXXX XXXX : {$560.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$520.00}

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 2023-11-26
Company: Experian Information Solutions Inc.
State: NC
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 submitting this complaint to highlight a potential violation of the Fair Credit Reporting Act ( FCRA ) by Experian, specifically related to identity theft. Despite notifying the company of inaccuracies in my credit report on [ date ], they have not taken the required action to investigate and remove the disputed accounts within the stipulated four-day period, as mandated by the FCRA. 
On XXXX, I formally disputed inaccurate account information with Experian, providing supporting documentation and a clear explanation of the errors. 
Experian received my dispute on XXXX. According to the FCRA, they are obligated to investigate and correct inaccuracies within XXXX days of receiving the dispute. 
Despite the FCRA 's requirement for a prompt investigation, Experian has failed to take any action to correct the reported inaccuracies within the specified time frame. 
Identity Theft Concern : In addition to the FCRA violation, I believe that the inaccuracies reported in my credit report may be indicative of identity theft, which is addressed by specific provisions in the FCRA. 
Relevant FCRA Provision ( 15 U.S.C. 1681c-1 ) : " Section 605B of the FCRA requires that a consumer reporting agency block the reporting of information that is the result of identity theft within four business days of receiving an identity theft report from a consumer. '' I request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes appropriate action to ensure Experian complies with the FCRA, including provisions related to identity theft. My desired resolution includes the prompt removal of the inaccuracies from my credit report and any necessary corrective actions. 

Thank you for your attention to this complaint. I trust that the Consumer Financial Protection Bureau will address this issue promptly. 

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