BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 710. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have five negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/18 XXXX a.m. ATM at XXXX XXXX XXXX XXXX. 
I tried to withdraw XXXX dollars from my account ( non-Bank of America account, even though I am a BOA customer ). The ATM gave me back my card, but no funds were disbursed. I drove away from the location. There was another car right behind mine and they had to take the money if it was disbursed after I left. 
I went to another ATM machine and withdrew XXXX dollars with no problem. 
When I went back to my house, I checked the balance in the account and there were XXXX withdrawals for XXXX dollars. 

Bank of America feels they are not responsible because it isn't a BOA account. I went to a branch and asked if could review the videos they have to see what happened. They refuse to do any research. 
I called many different numbers and they say they can't help me. 
I have filed a police report to ask BOA to review their tapes. I am sure this is not a priority for the XXXX Police Department. 

I would like to know if something can be done to have BOA review their recording. 
Any help will be greatly appreciated.

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 2021-10-15
Company: EOS Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2021 at XXXX I have been repeatedly been called about someone named XXXX XXXX over the last 15 years. I am not XXXX XXXX I am XXXX XXXX and this has been my number for over 15 years. I do not have collectors calling me because I pay my bills. I want this to stop once and for all. I called this morning and was told they would remove my number as usual. This has been told to me in the past and it has not stopped. XXXX told me the company was EOCCA and would not give me any more information. The number that called this time is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2022 An unknown account has posted {$67.00} negative collection account on my Experian account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the account and I have disputed this account on XXXX and XXXX XXXX XXXX XXXX and this account was found incorrect and has been removed. But this account is still on my Experian account. I have also connected Experian several times about this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: In progress
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I believe that someone used my personal information and applied for this

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 2021-10-15
Company: Receivables Performance Management, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was notified that I owed XXXX on XXXX XXXX XXXX with vin # XXXX I have no clue who account that is and, someone used my id without my consent.

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 2021-10-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Theres an address on my credit report that does not belong to me. XXXX XXXX XXXX XXXX XXXX, IL. is not my address. I have never lived at this address. I have never been to this address and I dont know anyone who live at this address or previously have live at this address. Ive disputed this information with Experian several times and this address is still on my report. I dont care who reported the address, obviously it was some type of mistake. Ive already resolved the issue with XXXX and XXXX. But Experian is now validating the FCRA. I have no idea who this address belongs to. But its not mine. I also have inquiries that I didnt authorize. Someone also tried to open bank accounts under my name that I didnt authorize.

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 2023-03-26
Company: DHI Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home from DR Horton and obtained my mortgage from DHI Mortgage and used DHI Title to close on XXXX XXXX. At settlement, they collected {$1200.00} from me for three months of property taxes. Soon after closing, they sold my mortgage to XXXX XXXX XXXX ( XXXX ). After selling my mortgage, DHI Mortgage paid my property taxes in full ( XXXX ) and requested that full amount be sent back to them from XXXX in XX/XX/XXXX. I had noticed my escrow account balance was extremely low and asked for an Escrow Analysis be performed by XXXX. While I was waiting for this to be performed, I noticed on my transaction and payment history with XXXX that {$3200.00} was sent to DHI Mortgage on XXXX XXXX. I then went back and looked at my Closing Disclosure and confirmed that I had paid {$1200.00} towards property taxes at settlement. I contacted DHI Title on XX/XX/XXXX about this and have not had a resolution to this issue. I had been told that XXXX XXXX, the Area Manager with DHI Title Agency, had escalated the issue to their Customer Care team. I received an email from XXXX XXXX Customer Care Specialist with DHI Mortgage on XX/XX/XXXX stating that they reached out to XXXX and they decided that another escrow analysis was not needed. That a new analysis will be completed in XXXX of this year. 

They have never addressed the fact that they still have {$1200.00} of monies I paid to them at settlement for three months of property taxes. I have not been given any explanation as to why the requested the full amount be sent back to them from XXXX. I understand that they paid the full amount of taxes outside of settlement, and they are due monies from my current escrow account, but not the full amount. It should be {$3200.00} less the {$1200.00} they had already collected from me. 

The entire transaction with Horton has been a nightmare. I need someone to please help me get these funds back to me personally or back into my escrow account with XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Wells Fargo has scammed me out of money

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 2022-10-06
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-10-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account multiple times beginning in XX/XX/XXXX. I have been told that Experian uses the lender ( XXXX XXXX XXXX XXXX ) to get their information. The last few times I have disputed the account ( XXXX and XX/XX/XXXX ) for incorrect information, Experian refuses to delete the account and just updates the Foreclosure date. I have contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and they have not updated any information. The account was foreclosed in XXXX, NOT in XX/XX/XXXX or XX/XX/XXXX. I have contacted Experian as well on XX/XX/XXXX with this information and they have told me that XXXX XXXX is the one that keeps changing the date. However, XXXX XXXX does not have any record of the changes. What Experian is doing is fraud. This account needs to be deleted.

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 2021-10-15
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Starting on XX/XX/2021 I tried to add daughter as authorized user to my Goldman Sach Apple card. Had technical difficulties and was unsuccessful. Reached out to company and absolutely no help. 

Sometime on XX/XX/2021 I was able to get her added. Tried several times to order her a physical card and was not able to do so. Talked to several different reps and nothing but misinformation. 

On or before XX/XX/2021 I received a physical card. I was not able to activate card after several phones calls and text messages with Goldman Sachs. 

XX/XX/XXXX contacted again still not able to activate card. Supposedly been escalated to tech support with no resolution. 

XX/XX/XXXX contacted again no resolution. Told would be 10 ten more days. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

XX/XX/XXXX contacted again no resolution. 

Dates listed are only days I used text messaging. I called many more times trying to get an update and card activated. I am always told someone will call me back and the issue will be handled with in 10 days but no one has called me back or helped me get daughters card activated. I asked for case/complaint number and they said it is against company policy to provide that information. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 NATIONAL CREDIT SYSTEMS stated the account was REMOVED from my dad 's consumer report. I am still being violated by them. They are still reporting on my consumer report. XXXX XXXX stated it would be removed and it has not. They are damaging my character and in violation of 18 of the FDCPA Laws as you can see in Exhibit A, and C. As you can clearly see there is nothing but harassment from NATIONAL CREDIT SYSTEMS By reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I demand remedy by paying the invoice included of {$18000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX of XXXX I received letters in the mail stating that I owed Property taxes on my car. The total of taxes owed was {$1800.00} for 3 years worth of back taxes. My car is leased so the company pays them directly to the town and then I pay them back with my car payment. I promptly mailed in paperwork showing that my taxes had been paid and I did not owe the money. A few months later I realized the charges were still on my account so I called the company and they claimed they never received my paperwork in the mail so I then proceeded to fax it to them on XX/XX/XXXX. They told me it takes 72 hours for faxes to be uploaded to your account so I called back a few days later and they claimed they had not received my fax. I then faxed the paperwork again on XX/XX/XXXX as well as sent the paperwork via certified mail on XX/XX/XXXX. I called back on Monday  XX/XX/XXXX because I had gotten a delivery confirmation of my certified letter. They stated that none of my faxes had been received and my certified letter would take up to 3 days to be uploaded to my account. At this point I asked to be transferred to the escalations department. The lady then tells me she is not sure why none of my paperwork has been received, but she will send me an email from a secured email address that I can send my paperwork to. I sent the paperwork on XX/XX/XXXX and called back on XX/XX/XXXX. At this point they tell me they finally had received my paperwork a few days prior, however, they need more information because the secondary taxes that were put onto my account were from a different town than the one I had originally paid my taxes to, so essentially the leasing company had paid my car taxes to two different towns. On XX/XX/XXXX I faxed and emailed over more paperwork showing that I did not live in the secondary town and my car was insured and registered in the original town I had paid to for the past 3 years. I called back on XX/XX/XXXX and again, they told me they did not receive anything but to try and email it again. I then emailed the paperwork to them once more and called back on XX/XX/XXXX. On this date they told me they still had not received my supporting documents so I ask to be transferred to a supervisor. When he gets on the phone he tells me he is not sure why nothing is coming through and gives me another fax number to send my documents to. I tell him I will try to fax the paperwork again, but would also be filing a complaint at this point.

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 2021-10-15
Company: Bread Financial Holdings, Inc.
State: CO
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I currently had sold my home and was going to purchase a new build home and wanted to put the money in a " safe place '' while the construction on the new home was being completed so I opened a CD account with Comenity online bank for {$140000.00} that was funded from my regular bank account on XX/XX/XXXX. My plans changed and I found a new build house that was available now and made an offer on that property and needed to close the CD in order to put a down payment on this house. I called their customer service as soon as I knew of this change on XX/XX/XXXX to request information on how to take a penalty and close my CD with them. I was given the information on the penalty, and was told it would take 3-5 business days for them to send the money back to my original account. I requested that the account be closed on XX/XX/XXXX. The closing on my new property was scheduled for today XX/XX/XXXX. They still have not completed this transaction. They have an online messaging system that I have sent 10 messages inquiring about the status of this account and the only response I have received is that it is " under review ''. I have called their customer service line daily starting on XX/XX/XXXX since I was getting no response on their online messaging system. I have spoken to several members on their customer service team and their " escalation '' team. I have asked to speak with a manager, director, supervisor and have been told that they do not take direct calls. Multiple customer service agents have assured me that the account has been escalated, however when I called yesterday on XX/XX/XXXX the customer service person I spoke to said she could not see notes that my account has been escalated. I contacted the bank again today XX/XX/XXXX and the customer service rep told me that my only next step might be to write a letter to their corporate office and was unable to give me any further information regarding my account. 
As a result of this, I have had to scramble to try to find other ways to fund the closing of my home. It is a very disconcerting thing to put your money in a place for safekeeping just to feel like you need to actually be protected from the financial institution itself. I would want other consumers to know that this bank does not make good on the information they give you, and will not transfer your money to you even in the case of an emergent situation.

Company response to consumer: Closed with explanation