BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: TD BANK US HOLDING COMPANY
State: CA
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 hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding the reporting of late payments associated with my account. It has come to my attention that you have been reporting these late payments to the credit bureaus, which is in direct violation of the provisions outlined in the United States Code ( 15 USC 6802 ). I am writing to demand that you promptly update the status of my account to " paid as agreed '' with the credit bureaus within four ( 4 ) business days from the receipt of this letter. Failure to comply with this demand will result in legal action, and I will seek charges of {$1000.00} per violation.

Section 15 USC 6802 ( b ) explicitly prohibits the disclosure of non-public personal information without the explicit consent of the individual. By reporting the late payments to the credit bureaus, you have breached this legal requirement, as I have not authorized the disclosure of such information. I kindly request that you cease any further disclosure of my non-public personal information and comply with the provisions of 15 USC 6802 ( b ) moving forward.

Additionally, I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which strictly prohibits the disclosure of experiences or transactions to non-affiliated third parties, such as the credit bureaus, without the individual 's consent. Given that the late payments are part of the account 's transaction history, their reporting to the credit bureaus violates the FCRA. I expect you to rectify this situation by updating the account status as demanded above. Company policy doesn't not supersede federal law. 

I urge you to take immediate action to correct this matter and ensure compliance with both 15 USC 6802 and the FCRA. Failure to do so will leave me no choice but to pursue legal remedies to protect my rights and seek damages for the violations incurred.

Please provide written confirmation of the actions taken to rectify this situation, including the date on which the account status was updated with the credit bureaus. You may send this confirmation via email or to the address provided above.

I appreciate your immediate attention to this matter. I trust that you will take the necessary steps to resolve this issue promptly and prevent any further violations of my rights under applicable laws. 

Thank you for your prompt action in this regard. 

Sincerely, XXXX XXXX [ Account Number : XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
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 am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-06-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I don't have a late payment on XXXX, my balance is less {$900.00} and they report {$1900.00} and wrong utilization pourcentage I have called them to fix this, they referred me to the reporting agency all XXXX bureaus did not correct it despite I sent pictures of my new balance and no late payment

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 2022-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I'm a XXXX. customer of Bank of America and have a Preferred Customer classification with BofA. On XXXX XXXX I started the loan process to obtain a loan for {$89000.00} to purchase a second home. I had already deposited {$22000.00} with my escrow company to purchase a second home. On XX/XX/XXXX BofA provided a loan estimate. I worked with their local credit solution advisor ( XXXX XXXX ). After several discussions with the bank, they told me the home I wanted to buy was too close to my existing residence. It would have to be an " investment property '' requiring the 20 % down payment with the escrow company. BofA quoted me estimated closing costs of {$6800.00}. After several more document requests and few answers why they considered my loan an investment property they up the closing costs to {$10000.00} for {$89000.00} XXXX. loan. My complaint is Bank of America 's online process provided little guidance on why they need so much documents, many they already have. And little explanation why they changed their original estimate and up the costs. They also quoted me and obtain an appraisal fee of {$950.00}, other lenders were charging {$650.00}. My BofA credit advisor told me they charge more because they require faster service from their appraisal partners. I paid my appraisal fee on XX/XX/22. I'm still waiting for the appraisal report ( XX/XX/22 ). And due the delay, by BofA, the seller has to pay an added " padding '' fee to escrow company and a delay in closing of the loan. BofA is unprofessional in providing information on specific loan questions, I requested and explaining added charges. I am XXXX and wonder if BofA is discrimating against me or they system is flaud and their staff is not properly trained. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-06-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I don't recognize this inquiry I never apply foXXXX XXXX XXXX I have tried several times to remove this fraud and the 3 reporting agency cant provide the method of investigation. XXXX XXXX doesn't answer to my communication neither by the fcrc, this should not happen

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 2022-11-15
Company: Paypal Holdings, Inc
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, My name is XXXX XXXX My paypal account is XXXX. 

I received notification from paypal about my account has been permanent limited reference XXXX. 

I think this arbitration desicion, i never has dispute about nothing. 
I never has any problem asociate with fraud activity. 

I just use paypal for made purshase. 
I always use paypal in a good manner. 

I want get help about this situation if my account never has any dispute or involve in any fraud activity i dont think my account is associate to any risk if i use paypal for many year without any issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Factor Trust
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:
No open account associated with these inquiries and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 I HAVE CONTACTED YOU NUMEROUS TIMES, YOU MAKE IT DIFFICULT BY PHONE, ONLINE I AM UNABLE TO ACCESS MY ACCOUNTS REMOVE AND SUPRESS THESE INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS, THEY ARE NOT MINE I HAVE NO KNOWLEDGE, OF THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX sent a letter to me informing me of this XXXX XXXX open and Acct XX/XX/2021 for amount of XXXX which is false i did not they stated afte conducting a through investigation into this matter we concluded that someone did obtain a loan with our company using XXXX XXXX personal information 's

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I live in California. On XX/XX/XXXX in California time, I submitted 2 payments selecting XX/XX/XXXX as the payment date on the Ally app. One for {$28.00} and another for {$23.00} both to the same biller : XXXX Credit Cards. 

I submitted the payment and then received an email from Ally that I submitted 2 same day payments and would be charged a {$9.00} fee for each. The issue was timezones as Ally uses Eastern time. 

I don't have issues with the timezone cutoff, but my issue is that I was not warned that a fee would be charged for those payments or else I would not have submitted 2 payments for such small amounts to the same company each triggering the {$9.00} fee! 

Prior to that email, I received no warning that I was either making a same day payment nor that I would be charged a fee. I was also unable to cancel the payments. 

I contacted Ally immediately and asked them to assist. I offered to show them exactly what occurred and they declined to walk through it with me on the phone but said I could upload proof via their secure messaging system. 

I captured a video showing the issue, as I was able to replicate it again but then when trying to upload the video their secure messaging system only accepts images. 

The issue with screenshots is that I'm trying to how proof of not being warned of the fee, which is not something a screenshot can convey, that something is missing .... 

I uploaded some screens anyway and they said they found no issue, the problem is that it's only apparent in a step by step video. 

I called them back today asking if I could send them the video via email or some other means showing everything end to end and they stated that they're unable to accept any kind of video and that their decision was final. 

In essence, they are unwilling to even review my video proof of the issue, refused to acknowledge the issue and would not refund the fees. This is appalling especially when it involves charging customers fees that they then can not escape. I think this could be a UDAAP violation. 

I have attached video showing that I was able to replicate the exact issue minutes after those payments were created. The app showed XX/XX/XXXX as PAY TODAY and that selecting XX/XX/XXXX did not trigger a same day warning or any kind of fee.

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 2020-09-17
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I lost My wallet While on a trip to Georgia in 2013 and ever since then i've realized accounts like medical, Apartment Fraudulently rented under my name, and Loans.

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 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Trans union is reporting inaccurate and outdated information regarding student loans. The XXXX XXXX XXXX accounts were paid on time and in full more than 10 years ago.

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 2017-12-22
Company: Fay Servicing, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I received my property tax bill from my town. I immediately asked for ( in writing ) an abatement from them because they had omitted the homestead exemption. The amount they assessed in error was $ XXXX.The correct amount was in fact {$980.00}.

( The taxes were due XX/XX/XXXX ) On XX/XX/XXXX I was granted the abatement by the town and my taxes due amounted to {$980.00}. I mailed letters about this change to my servicer, Fay Servicing at 2 addresses they listed, as well as emailing my account manager on XX/XX/XXXX.

On XX/XX/XXXX I got an email from Fay Servicing saying my taxes had been paid to my town for {$1200.00} ( more than was due, even if the original bill had been correct. ). There was no mention of receiving my letter that the original bill had been in dispute, and not to pay that amount until I got this sorted out. I had my sister call Fay on XX/XX/XXXX and left a voicemail for my account manager saying the taxes were paid in excess. ( Im hearing impaired and do not use the phone ) That check was not cashed and Fay voided the check on XX/XX/XXXX.

On XX/XX/XXXX Fay remitted the corrected tax amount to the town for {$980.00}.

That is issue # 1 I have with Fay : paying the incorrect amount although they had advance notice my original taxes were in error. Even then, Then the taxes were paid late.

My 2nd issue is that today XX/XX/XXXX I received a letter from my homeowner 's insurance company that my policy was cancelled due to nonpayment. My monthly mortgage payment includes an escrow account from which taxes and insurance are to be paid. The insurance was due XX/XX/XXXX. My insurance agent had sent Fay the insurance bill on XX/XX/XXXX.

When my agent today ( XX/XX/XXXX ) talked to Fay about the home insurance he told me they ( Fay ) were off nearly a month on my coverage dates comapred to what my insurance company has. The lady he spoke to was going to " make the necessary changes. '' This happened last year too ... .Fay didnt pay the insurance on time and I had to sort things out with them and the insurance company. I also get charged more because the bills are paid late.

I also have an issue with Fay not setting up the initial escrow account on time. It took them 2-3 months to set up the escrow, then only after I asked " why dont I see payments going into an escrow? '' The answer was " whoops, sorry, oversight. '' My last complaint is that the customer activity statement is so convoluted that I am having trouble understanding it ... .And there are several late charges noted although since Fay took over my servicing I have never been late nor missed a payment. There are also charges for property preservation in spite of my questioning this on the basis of never having left my home, and always maintaining my wish to live here permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSWORLD SYSTEMS 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Dear Sir or Madam : I am the victim of identity theft. I am writing to dispute fraudulent charges on my credit reports for the reporting providers listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 15 USC 1681 Section 604 States rights to consumers privacy Reporting agencies can not furnish an account WITHOUT my written consent! 
I am requesting that the charge be removed from each reporting agency. I have not received any account number or correspondence regarding these accounts. Pursuant to the law, I am providing you with the following documentation, so that you can verify my identity : ( A ) A copy of my drivers Please investigate this matter and correct the fraudulent charges/debit as soon as possible. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Global Asset Agency, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023, I received an email from my credit monitoring service that Global Asset Agency has flagged my credit report with a collection for {$2500.00}. This was odd to me because I didn't receive any correspondence from this company. The only notification that I received, was the alert from my credit monitoring service informing of the collections being reported. On XXXX XXXX, I expressed mailed a dispute, validation and request for removal letter to Global Asset Agency to the address showing on my credit report ( USPS tracking # XXXX ). Global Asset Agency received the letter on XX/XX/2023. As of today, I still haven't received any correspondence or any other form of communication from the company. I never received any validation of this alleged debt, yet they took it upon themselves to flag my credit report. This is a violation of the FDCPA and I want this inaccurate reporting removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was working with a credit repair company. They obtained my personal information under the false pretense of helping me repair my credit. They moved on to open several credit cards and max them out as well as take out loans from banks. Once I became aware of this I filed a police report this was in XXXX. Even with that these XXXX were still using my information and going into my bank account taking out money all the way up until XXXX. I was not sure how to deal with reporting this outside of filing a police report. I did close the bank account. There was credit card maxed out and a loan taken out in my name which I found out was done online for XXXX. These XXXX accounts are now in collections and I have tried contacting them via certified Mail letting them know this is not my debt. As well as letting them know they are in violation of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief