BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck 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 transunion i spoke to a representative agent name XXXX and XXXX and 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 three 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 inquiries 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 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2023-09-15
Company: Bread Financial Holdings, Inc.
State: TX
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:
In accordance with the fair credit Reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 16666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Several calls were placed to XXXX, XXXX, and Transunion Consumer Solutions reporting agencies on XXXX XXXX and XXXX XXXX to inform them that these names addresses phone numbers and employers are inaccurate which have been reported without my consent nor to my knowledge.

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 2022-07-22
Company: Experian Information Solutions Inc.
State: LA
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:
inquiries was not done by me XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA ( ON THE REPORT XXXX TIMES ) XXXXXXXX XXXX XXXX ( ON THE REPORT XXXX ) FACTUAL DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( ON THE REPORT XXXX  TIMES ) XXXX XXXX XXXX ( ON THE REPORT 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 2021-06-03
Company: Flagstar Bank, N.A.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar mortgage company 's escrow department issued at total of {$10000.00} in gross error. {$4600.00} was issued on XX/XX/XXXX for a policy cancelled in XXXX. On XX/XX/XXXX they issued a payment of {$2900.00} to the correct insurance company then issued a second payment to the same company on XX/XX/XXXX for a total of {$10000.00} in 7 days. 
Since XX/XX/XXXX I have spoken to flagstar mortgage 5 times for an approximate phone time of 1-2hr per call. The insurance department has no explanation for the error and the escrow department has a shortage of {$7600.00} resulting in an {$800.00} increase of my monthly note and informs me until the shortage is resolved there is nothing they can do regarding the next payments extreme increase. It has been my responsibility to contact the insurance companies, request refunds, follow up on refund status, XXXX mail service. 
This has been extremely time consuming and frustrating as Flagstar 's departments do not speak to one another causing constant transfers of call with ridiculous wait times. To date, I am awaiting refunds via mail with great concern in trust that this company can accurately manage the loan services agreed upon. This in not the first time I have experience insurance and escrow errors with Flagstar.

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 2023-07-03
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I had a dispute open about several charges totaling about {$970.00} through NetSpend all access s prepaid debit card They deemed that the charges that were on my card were not in error even though I did not make the charges and I was unable to ever speak to anyone in the dispute resolution department and I have called multiple times waiting on hold for an hour hour and a half 30 minutes 45 minutes different variables of time and every single time the phone hangs up on me when I finally get a human on the phone I'm going to fix the income I need all my money I did not make those charges if cameras are pulled back or FDIC laws are followed I should have already had my money back this was in XXXX maybe XXXX update later but I still haven't received any of that 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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
its been 3 months since I notified the credit bureauby mail that my identity was stolen. I have been sending letters and placing several calls a week disputing the fraudulent information on my credit report. The erroneous information is ruing my life financially and need this removed asap!

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 2023-05-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I know this is many years later, but as I was going through it I could not find resources for anyone to contact to helpme.

My home was foreclosed on and sold in an auction back in XXXX of XXXXPrior to this when I first started having trouble I contacted Wells Fargo and let them know I'm having medical issues and trouble making the mortgage payments. The person told me I needed to be 30 days late before they could do anything. Once I was 30 days late I contacted them and they said oh no you need to be 90 days late. When I was 90 days late I contacted them and they put me on a trial payment plan and after that trial period raised the amount that I was supposed to pay monthly to more than it was when I first contacted them which made no sense to me. Then I was going through the XXXX XXXX XXXX XXXX that came out back then to help people not lose their homes. I was working with XXXX and Wells Fargo knew I was going through the process trying to get approved for that program. After I finally got approved, the person from the program contacted me and said that Wells Fargo would not accept the modification. I was devastated. My health and XXXX got worse. When I asked why I was told the funder of the loan didn't want to accept it. Later on I decided to call the check to see if I can find out who the funder was and it was Wells Fargo. I just recently heard of something going on where they're going back to XXXX, I purchased my home in XXXX, because of a glitch in the system WF not doing all they could to help peoples as they shouldhave. Because of how the things worked out not only did my health get worse I've been struggling trying to repair my credit ever since the Foreclosure. I was misinformed during that time when someone told me to file for bankruptcy, and I did, so that's still on my credit. I've been trying to find a place to live I've been trying to find something I can afford but I can't. Wells Fargo I feel was completely wrong, deceptive, and ruined many years of my life. I am currently trying to get into a loan again since enough time has passed, but homes are so expensive now that i can't find anything worthwhile. just too much right now I just feel like Wells Fargo needs to be made to make it right.

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 2020-06-16
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: WI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX 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 2022-07-25
Company: Aldridge Pite, LLP
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Clear Recon Corp ( CRC ), AKA Aldridge Pite , LLP ( AP ) is illegally foreclosing non judicially on XXXX loan that was secured by a deed of trust recorded on XX/XX/XXXX in the XXXX, Alaska, Recording District XXXX and natured in XX/XX/XXXX on a XXXX XXXX XXXX alleged default stated by Clear Recon Voluntarily as XX/XX/XXXX. Unknown party referred the loan to AP for foreclosure in XX/XX/XXXX already time-barred in AK. Thereafter, CRC who can not record Substitution of Trustee to themselves also recorded Notice of Default on XX/XX/XXXX for the time-barred date XX/XX/XXXX, which notice set the trustee 's sale for XX/XX/XXXX. Due to a bankruptcy petition filed by the Consumer on XX/XX/XXXX ( XXXX XXXX. XXXX ), the trustee 's sale was postponed multiple times and eventually canceled because the statutory number of maximum postponements had been reached. On XX/XX/XXXX, the bankruptcy court granted a relief from the automatic stay to XXXX  XXXX XXXX that does not own the loan but not to XXXX erroneously allowing the foreclosure action to proceed. CRC was instructed by unknown servicer to proceed with the foreclosure, however, the file was placed on hold due to the COVID-19 moratorium. After the COVID-19 moratorium ended, on XX/XX/XXXX, the servicer instructed CRC to place a hold on the file for loss mitigation. Once the loss mitigation hold was released, CRC prepared and recorded a Voluntary Termination Notice rescinding the XX/XX/XXXX Notice of Default. A second Notice of Default was recorded on XX/XX/XXXX setting the trustees sale for XX/XX/XXXX. CRC has not responded to the Consumer regarding the CFPB Complaint and does not intend to so. Clear Recon Corp filed on XX/XX/XXXX an illegal non judicial notice of default and sale on his home with a XXXX XXXX XXXX stated default date on XX/XX/XXXX, years time-barred past the Alaska statute of limitations on mortgages, and requests that this time-barred non-judicial foreclosure be stopped. On XX/XX/XXXX, the Consumer filed an Adversary Complaint in the U.S. Bankruptcy Court, Alaska District, as Case No. XXXX ( Adversary Complaint ) for wrongful foreclosure naming CRC and the servicer as defendants. On XX/XX/XXXX, CRC filed its Motion to Dismiss Adversary Action erroneously alleging the Consumers claims are barred by res judicata or claim preclusion. At this time, there has been no ruling issued in the action on the Adversary Complaint, and a hearing was set to XX/XX/XXXX. CRC is violating AS 34.20.070 ( a ) that clearly precluded 4th non-judicial bite of the apple after judgments have already been given in the previous case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: LEXISNEXIS
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On all three credit reporting bureaus, XXXX, XXXX, and XXXX XXXX, numerous accounts reporting data from LexisNexis has and continues to cause great harm and injury to the Consumer 's Credit report and file. For Example, LexisNexis is reporting to XXXX, # XXXX that Bankruptcy # XXXX was dismissed, talking with the Clerk of Bankruptcy Court, she informed me from a document that the case was closed, not dismissed and that this Court does not report data to the Credit Bureaus. Also, for example, on a XXXX  report # XXXX, a Judgement # XXXX was opened on XX/XX/XXXX, stating date of last delinquency was XX/XX/XXXX, stating the account is has been delinquent since XX/XX/XXXX, which is false and these inaccuracies and many being reported by LexisNexis is causing great harm and injury to the Consumer XXXX XXXX and requires to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$6700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: MD
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 Report 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 XXXX XXXX  Account # : XXXX 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 USC 1681 s-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 this information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: FL
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 XXXX  account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck 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 and XXXX and 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 inquiries 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX 2019 ( COVID19 ) pandemic during the covered period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Truist will not allow me to open a banking account with them. In the past, Truist overdrew my account and shot it down. When I try to open a business account they denied me. They discriminate against me due to past banking history.

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