BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I went to the TD Bank on XXXX XXXX in XXXX, Massachusetts. I requested a letter from the bank with the following information : date account opened, total amount deposited in the past 12 months and current balance. I explained that the letter is for immigration purposes and was told that it wouldn't be an issue. The request went to headquarters according to the representative I spoke to and would be made available to me within 2-3 business days. A week went by and I didn't receive the letter or a call from the bank. I called the bank and requested the letter again. On XX/XX/XXXX I got a secure email with a letter from TD that has my available balance and average balance for 6 months. I called the local branch and spoke to the manger regarding the discrepancy. I explained that I need a letter with these specifications due to immigration asking. She later informed me that they can not generate that request for past total deposit for 12 months. I called corporate to file a complaint and was met with the same response. I am entitled to this information and it shouldn't be so hard. I want the institution to provide me the proper information as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I am formally requesting that these matters be investigated properly and immediately. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the XXXX XXXX, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct. 

For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually.

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 2015-12-30
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan was recently taken over by Nationstar Mortgage LLC. They sent me a letter saying I had insufficient flood insurance and needed to raise my insurance or they would add gap insurance to my policy. Even though my principal balance owed is less than {$27000.00} they are requiring me to match the replacement value of {$150000.00} set by my homeowners policy. When I called and explained that I read the policy set forth XXXX that XXXX of these apply Under the FDPA, the mandatory flood insurance purchase amount is the lesser of : The outstanding principal balance of the loan ( XXXX XXXX, or The maximum amount of insurance available under the XXXX XXXX XXXX XXXX ( XXXX ), which is the lesser of The maximum limit available for the type of structure ( {$250000.00} for a residential structure, ), or The insurable value of the structure ( typically the replacement cost value of your home ). 

According to this the lesser of these would be that I have at least {$27000.00} of flood insurance coverage, ( I currently have a policy of {$30000.00} coverage ). They said according to XXXX they can charge what they want. By adding this additional coverage my payment will go up over {$100.00} a month! 
If I do n't get my own coverage they will force me to get their insurance and raise my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: SYNCHRONY FINANCIAL
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:
In XXXX of XXXX, I noticed inaccurate information being reported on my XXXX credit report. Synchrony bank was reporting two of my accounts as late multiple times. They are even reporting my payment status as late 90 days when my account was paid and closed in XX/XX/XXXX! I then began sending dispute letters to get the incorrect information taken off. I asked them to please conduct an independent investigation. I submitted a total of 5 letters listed the inaccuracies on my credit report and the 4th time they responded with saying one of my disputes was verified as " account paid, never late '' yet they did not remove the late payments. Instead, they added more back on without notifying me within 5 days as they are required to do. This has hurt my credit score and prevented me from obtaining a home loan. I have also reached out to Synchrony bank via certified mail with no response. I have the documentation to show each time I reached out to XXXX, I tried so many things to get the inaccuracies removed and they have now told me they are no longer going to conduct further investigations on my disputes. Please help me!

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 2022-10-24
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts, addresses & employers below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These following accounts, addresses & employers have violated my rights : Account Name : XXXX XXXX Acct. # : XXXX XXXX XXXX XXXX Bank Acct. # : XXXX XXXX Acct. # : XXXX XXXX XXXX. OF XXXX Acct. # : XXXX XXXX XXXX XXXX  Acct. # : XXXX TOTAL XXXX Acct. # : XXXX XXXX XXXX Acct. # : XXXX XXXX Acct. # : XXXX These following Addresses must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX These employers must be removed : XXXX XXXX ARTS XXXX XXXX XXXX  XXXX. 
XXXX  XXXX 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.

REMOVE THESE ITEMS FROM MY REPORT AND PROFILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: CCF Intermediate Holdings LLC
State: OH
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:
{$310.00} XXXX LOAN BY PHONE XX/XX/2023 I called the company to figure out what this loan was and its fraud.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
XX/XX/2022 amount {$670.00} Iam really disappointed about capital one credit card.i file for dispute for my one transanction 6 months ago. whatever documents they ask me i provide them but they said its not enough so i upload more documents. They respond me with letter change the date of the letter and give me same answer provide more documents. so after 3 weeks i start calling customer service whatever they ask me to provide i provide all documents i used to stay with them line for 1 hour talking to them and upload all documents they asked me to send. after 4 months they send me letter they cant do anything about my dispute because i didnt submit this within a month which i inform them within a month after transaction. so i called customer service to closed my account she told me i will received my statement bill by mail i was waiting for that. after 1 month i see their online account they charge me interest and late fee. i called them up and pay my full bill. supervisor pickup call their she said if i paid full iam not going to responsible for any charge. next month i see they charge me again interest fee then i call them they said its their policy thats why they charge me interest fee even though i paid on time before due date full amount and my account closed is well. they are scam people and disrespectful. every customer service represtatives every time give different kind of answer for same problem. Even though supervisor is really rude they even dont know what they doing. Every supervisor give different kind of answer as well. When I told them listen to the recording call what other customers representative Ive or supervisor tell me. They said they dont care. big scammer they just want to get the money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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:
My personal information was used without my permission to open a fraudulent account and fraudulent inquiry with Equifax. I have contacted the credit bureaus, furnisher of data, federal trade commission, and police department to report the unauthorized fraudulent accounts below. I am demanding for the information to be blocked and deleted by Equifax per federal law FCRA section 609

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
Looking on my main consumer credit files, I see the corporation XXXX is on it, as well as the company they sold the alleged debt to, XXXX. If they are no longer collecting on this alleged debt, why are they still on my consumer credit files?

This is why I sent the Cease & Desist and Debt Validation to XXXX. The cease and desist was sent for them to stop the illegal activity they are doing. I mentioned the remedy for the injury you caused, which was illegal. As the consumer and the creditor, I invoke the specified remedy under 15 USC 1692c ( c ).

Their so-called validation sent to me failed to meet all 5 requirements under 15 USC 1692g , which means they are in another violation. An original writing, recording, and photograph are required in order to prove its content. Bill statements are not mentioned as validation, according to congress. Bill statements with the name of my organization on them are nothing but receipts, proving that XXXX ( the debt collector ) was credited for the transaction already through me, the original creditor.

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 2021-04-14
Company: BTS Motors, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ibe asked several times over a period of a few months to have information properly updated, because the only information reported ; however incorrect is public information and used as such by any private parties.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
All my data was sold by XXXX and possibly to many other unknown companies starting several years ago potentially as far back as 2007, even during my time in the XXXX XXXX. Between then and now I am not sure to what extent my personal identity and information has been breached and shared. There is an XXXX XXXX account that I am not aware of in collections. There are three unknown hard inquires on my report as well. There is also a XXXXDept of Ed account that should not be there, as that loan is not valid because the original loan was cancelled as a result of a class action lawsuit ( Sweet v. Cardona ) XXXX I also did not give, authorize, or provide any WRITTEN CONSENT for any of the information shown on my credit reports of which are being reported by these reporting agencies.

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 2015-12-30
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX unknown debt collectors impostering as illegal Creditors has for the past two years threatened illegal confiscation of real property for personal family or household purposes. The Consumer has served several notices upon XXXX Law Firm and Nationstar Mortgage LLC. XXXX parties have failed to comply with federal Consumer Laws such as the FDCPA. The Consumer has attached a copy of all communications from and to the data collectors.

Company response to consumer: Closed
Consumer complaint received 2015-12-31
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I have been trying to get my house refinanced for months, and I keep contacting my own mortgage company, Nationstar, to get this accomplished. I have twice now been switched to Greenlight. They run me in circles for months with lies and inaccurate information, have me submit the same information over and over, and pull my credit over and over. 
I attempted to contact Nationstar again yesterday, and was assured I was working directly with Nationstar, and not Greenlight. Greenlight Financial has horrific reviews online because they flat out lie and give out inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -NOT A DUPLICATE -- -- -- -- -- -- -- -- -- - I AM THE ORIGINAL CARD HOLDER AND ORIGINAL CREDITOR ( see 15 USC 1691a Definitions BY CONGRESS ) I HAVE EXERCISED MY RIGHT TO CREDIT BEING A RIGHT GRANTED WITH WELLS FARGO FOR AN EXTENCION OF MY OWN CREDIT. WELLS FARGO HAS OBTAINED MY SOCIAL AKA CREDIT CARD ( ASSET/SECURITY ) AND HAS NOT GIVEN ME ANY BENEFIT IN RETURN THS IS A VIOLATION UNDER 15 USC 1644 FOR UNAUTHORIZED USE OF A CREDIT CARD. MY SOCIAL AKA CREDIT CARD IS USED FOR THE SOE PURPOSE OF EXTENDING CREDIT WITHIN THE BNAKING SYSTEM. IN MY CONSUMER CREDIT TRANSACTION WITH WELLS FARGO THEY HAVE OBTAINED MY CREDIT CARD AND APPLICATION ( NEGOTIABLE INSTRUMENT see UCC3-104a ) BUT HAVE DENIED ME MY OWN CREDIT THEY HAVE ALREADY RECEIVED MONEY FOR BY THE FINANCE CHARGE THERE FOR WELLS FARGO HAS DISCRIMINATED AGINST ME UNDER THE ECOA. -- -- -WELLS FARGO HAS COMMITTED SECURITIES FRAUD AND WILL RECIEVE A IRS AUDIT UNDER IRS FORM 3949a and IRS FORM 211 -- -- UNDER TILA SINCE MY RIGHT TO RECIND WAS NOT DISCLOSED TO ME AT THE POINT OF DISCRIMINATION THE DEAD LINE TO RECIND Is NOT 3 YEARS. I OFFICIALLY EXERCISE MY RIGHT TO RECIND AND DEMAND WELLS FARGO SEND BACK TO ME MY -- ORIGINAL CREDIT APPLICATION -- OR THEY WILL BE IN BREACH OF THEIR TRUTH IN LENDING REQUIREMENTS AND HEAVELY LIBALE FOR DAMAGES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: 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.

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 2022-02-04
Company: EQUIFAX, INC.
State: NC
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:
Here we go again! 

Omission from the credit report is a problem. Intentionally deleting data from a credit report and refusing to fix it should be a crime! It fraudulent to sell bad data and defamatory to spread incomplete and harmful data on someone. 

Equifax deleted the entire record of my XXXX revolving credit account from my credit file impacting my overall credit picture and credit score to companies paying good money for this information and who may lose money and business by rejecting a more than qualified customer. The account deleted is over 36 years old, uninterrupted, with a superior payment record, has a substantial credit limit and I use almost exclusively. It contributes substantially to my FICO score and the longevity shows highly responsible credit utilization over three decades. 

After repeated attempts to get this account back on my credit file, Equifax refuses to do so with various pretexts and excuses, even blaming XXXX for not transmitting the data- never mind that their competitors, XXXX and XXXX, have no problems. 

Today I received a notice from XXXX that my FICO score had changed - ironically, they use Equifax to generate a score. For no reason at all, it had dropped 54 points. Nothing in my finances had changed. The two standard blurbs given for what caused the drop was the length of my credit history was too short ( 36 continuous and documented credit history is too short? ) and that my credit utilization was too high ( it looks that way when you do not mention the substantial credit line I have on the deleted XXXX account ). This is a clear example of the harm against me given that XXXX routinely obtains a soft inquiry with Equifax as part of their maintenance of my account to decide on interest rates I will pay and credit limit I merit. I will continue to advocate to XXXX they change to XXXX or XXXX to get their money 's worth and complete data. 

Why did Equifax delete the record? Why won't Equifax restore it? Why is Equifax intentionally defaming my credit score? 

Today, the Equifax representative I called at XXXX simply hung up on me. That triggered my contacting the CFPB on this matter again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CITIBANK, N.A.
State: CA
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:
I got a past due of 30 days reported to CRA and it is incorrect information being reported. I contacted citi bank and was told that I can pay balance off and they would reverse late fee and also not report to my credit bureaus. I lost my job because of COVID and under the Cares act program I was told I would not be reported to the bureaus. After paying my account in full the rep XXXX at Citi advised not to worry about it. I need this removed immediately.

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