BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had previously requested Bank of America not to send me unsolicited email messages similar to the ones that are attached to this complaint. Bank of America responded that as part of my agreement with it to receive the banking and brokerage services I had agreed and am obligated to receive and read the email messages similar to the one attached to this complaint. 

In the attached message Bank of America requests that I must according to my agreement with Bank of America " watch your 2019 Preferred Rewards video summary ''. I do not believe that I ever signed any document or agreed online to any terms and conditions of service that would require me to watch any videos as part of the banking and brokerage service that I receive from Bank of America and its affiliate XXXX XXXX. 

I would appreciate that Bank of America acts professionally and that it stops sending me email messages asking me to watch any videos according to Bank of America 's language " as part of your existing relationship with us ''. 

Dear CFPB, It has been a wide spread problem in the banking industry recently when banks and other financial services companies attempt to bypass the privacy policy requirements of not sending marketing materials customers who choose to opt out of receiving such materials by disguising their marketing materials as " service related messages ''. The so called " service related messages '' are designed to contained persuasive language to use other services that the company has to offer such as " Watch your 2019 Preferred Rewards video summary '', are generic in nature ( not related to specific services or transactions that the customer had participated in ), and do not include any methods for customers to indicate that the messages are not desirable for customers to receive such as UNSUBSCRIBE buttons.

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 2022-11-04
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent Santander Consumer USA a letter to validate my debt they did not submit the proper documentation to support. Also when the car was repossessed they did not send the proper documents to allow me a chance to get it back. When the car was sold after i wasn't able to get it back they did not send documents stating it was sold and the balance has been reduced. These are laws stated by the FRCA that should be followed by all creditors. I think they are illegally reporting to the credit bureaus based on these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So I was expecting my tax return to deposited into my account on XXXX XXXX and the day before on XXXX XXXX my account was blocked because I was negative- {$4.00} for about a week. So I called and they told me that all deposits would be sent back. So I waited and checked the Citibank app again on XXXX XXXX and had a positive balance of {$1700.00}. I called and asked them to unblock the account and they said they cant and it will take 60 days to receive my money in the mail and they could give me no further details and hung up on me. I just think this is ridiculous and I need that money as soon as possible.

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 2023-04-21
Company: SANTANDER HOLDINGS USA, INC.
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:
This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. SANTANDER CONSUMER USA claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
contacted company to inform them of such mistake on my report and they informed me that account were verify without telling how they verified it to prove it was mines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Nelnet, Inc.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They reported that I was late on payments from XX/XX/2019 until XX/XX/2019. I submitted information inXX/XX/XXXX of last year to defer my payments until I could find work, it should have been current in XX/XX/2019. I called them and evidently they didnt receive documentation on the deferred, so they didnt process it but I specifically remember mailing it in. I didnt receive a phone call that told me I was late or a letter. When I finally found out I was late i.XX/XX/2019 I was able to defer it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-12
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Case # XXXX. I don't agree with this matter being closed. Please look at the case cited above. Mohela has not reduced my payments to {$200.00} - {$300.00} as requested. The letter they sent did not address this issue. They said on the phone that they could reduce my payment to {$530.00}. This is not affordable. Please continue to work on this as Mohela has not responded favorably to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
Company: DISCOVER BANK
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I took out a personal loan for {$10000.00} with Discover. I made the final payment for this personal loan on XX/XX/XXXX, in the amount of {$730.00}. This payment settled my account in full, completely paying all interest/principal that was due. Discover has not reported this payoff to the credit bureaus, and this personal loan account still shows as open on my XXXX credit report with a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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: Account status incorrect

Complaint:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX : {$0.00}

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 2021-03-02
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX is designed to reduce mortgage payments to XXXX percent of a homeowner 's pretax income or suspend monthly payments for at least one year as he seeks employment. The borrower must be unemployed and eligible for unemployment benefits, use the home as his primary residence, have taken out the loan no later than XXXX XXXX, XXXX, and owe no more than {$720000.00} on the mortgage balance. Borrowers who have fallen behind on payments, or expect to fall behind, may apply for XXXX 

XXXX  Application Process Applying for an XXXX  modification involves paperwork and an income review, similar to qualifying for a new home loan. Applicants complete the MHA " Request for Mortgage Assistance '' form, an MHA hardship affidavit and sign an MHA authorization form. A borrower who is already in foreclosure at the time of application may have to sign a letter acknowledging the simultaneous foreclosure and forbearance processes. Lenders may verify unemployment income borrowers are either drawing or eligible for, as well as borrower assets. Lenders may require that homeowners receive up to three months of unemployment benefit payments before an XXXX forbearance begins. 

THIS IS THE LOAN MODIFICATION IN WHICH I QUALIFY FOR. FREEDOM MORTGAGE KEEPS WANTING TO TAKE A FORBEARANCE WITHOUT MY PERMISSION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}.

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 explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have had my mortgage with XXXX XXXX XXXX for over two years. During that time I never paid late. My loan was recently transferred to XXXX in XX/XX/2022. The process was very confusing and I received little notice. I ended up paying my XXXX mortgage late according to XXXX. However, I expressed to them how confusing their website was along with their app and was rest assured that because of the transfer there would be leniency. They ended up reporting me late although I was told by law I have a 90-120 day leniency for credit reporting during the transfer process from XXXX to XXXX. They reported me on the 31st day! I tried to dispute with the credit agency and got nowhere. XXXX would not help either. This has damaged my credit severely and has stopped me from pursuing financial prospects. I have worked very hard for the last 3 years to build my credit up and would appreciate a further investigation into this matter. Thank you for your help.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: DC
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 are in Direct Violation of The Fair Credit Reporting Act ( # XXXX XXXX CREDIT CARD ) has violated several of my rights. 

15 U.S.C 1681 SECTION 602 A Clearly states that i have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 writing to formally complain about the repeated and unsuccessful attempts I have made to rectify inaccurate items on my credit report. The continued presence of these inaccuracies is causing me significant distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The inaccurate items that have been reported on my credit profile are having a detrimental impact on my creditworthiness and overall financial stability. I initially identified these discrepancies, and since then, I have made numerous diligent attempts to have them removed through your organization. Unfortunately, my efforts have not resulted in any meaningful resolution. 

I first submitted a dispute request to address these inaccuracies, providing all the required documentation and evidence to support their inaccuracy. However, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second request, reiterating the evidence that these items are indeed inaccurate. To my disappointment, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Regrettably, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the severe consequences these inaccurate items have had on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive and impartial investigation into the legitimacy of these inaccurate items and, if found to be erroneous, their swift removal from my credit report. Furthermore, I request written documentation confirming the correction of these inaccuracies and their impact on my credit score.

I also urge your organization to enhance its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. The following items are needs to be removed by the Credit Bureaus : 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

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