BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: Credit Collections U.S.A., L.L.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The apartment complex where we lived before our current address sold a debt to a collection agency related to the rental agreement for the apartment. This contract was in my name and my husband 's name. The amount is XXXX for alleged unproven damage to the apartment after the lease ended. The collection agency is attempting to collect the full amount of the debt {$1200.00} in double form. XXXX to my husband and XXXX to me. And reported this debt to all three credit bureaus as two separate accounts when it comes to a single lease signed by my husband and me. I have disputed this error in the three credit agencies without success, this debt remains in my credit history in the three agencies. 
My husband did too, XXXX removed the debt from his credit history, but the other two agencies XXXX and XXXX did not. 
The document that the collection agency sent to support the debt is only in my husband 's name.

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 2022-07-26
Company: Fairway Independent Mortgage Corporation
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Violation of Appraiser Independence - TILA XXXX Real estate agent and mortgage lender attempted to influence the appraisal selection process of the VA. 
On or about... 
XX/XX/2022 : recevied order from VA. 
XX/XX/2022 : emailed listing agent for access/appointment to see property. 
XX/XX/2022 : email sent from loan officer to the VA indicating they received an addendum not allowing me ( Certified Res. Appraiser ) on the property to be appraised. Addendum was forwared to VA. Loan officer requested a reassignment to another appraiser. 
XX/XX/2022 : VA refused the request. 
XX/XX/2022 : filed a complaint with WA DOL Real Estate Section. 
XX/XX/2022 : WA DOL will not investigate further.

Attached : -PDF of VA communications portal showing copy/paste of email from loan officer and VA.

-PDF of Loan officer licensing/contact info.

-PDF of Real Estate Agent licensing/contacXXXX info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX or XX/XX/2019, I opened a Schwab Bank and Schwab One account. Schwab had requested additional details such as a proof of address and identification to complete the opening of the account. 

The client data verification department of Schwab had successfully verified my details approximately the end of XX/XX/XXXX. Approximately a day later, my online access to Schwab was blocked and suspended due to 'security reasons '. 

Calls to Schwab had indicated a fraud flag, and multiple calls ( over 8 ) to Schwab went unanswered as the representative was told that the fraud department does not speak with the client directly. 

After a week, on XX/XX/2019, another call was placed, and a Schwab representative informed me that the account was closed without notice by the fraud department. 

Unfortunately, the lack of communication and reasoning by Schwab is ludicrous, as well as the multiple phone calls and communication attempts that were needed to gain even a single piece of information.

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 2023-08-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 explanation
Consumer complaint received 2023-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I did a mobil deposit of a check from IRS on XX/XX/2023 they put a hold on it. i called on the XXXX and the check had already been cashed and they had the funds from IRS.i went to the branch on monday and was told it would not be in myn account until midnight of the XXXX. they said it was at the clearing house for my protection. and to make sure the funds were good. they know they are good because it had already cleared the IRS.well here it is the XXXX and they still have not put them in my account when they have had them since the XXXXthey have put over draft fees on my account now for things coming in on auto pay. i have made multiple calls to bank of america with no resolve, they offered to " loan '' me XXXX $ but with terms on it, yet not offering to just give me my XXXX $ I have ran out of gas, they are going to turn my electric off tomorrow, and i missed my neices and nephews graduation because they live XXXX hours away and i dont have gas to get there. they have no reason to keep this money from me and have caused me issues in my life. i have banked with them for XXXX years and this is wrong of them and for them to take total control of my life is not right or fair. i will be closing my account the minute they credit me the XXXX $ but i feel they need to be accountable for this and I will be seeking legal assistance as well as filing complaints everywhere I can. I am beyond mad there is not one thing i can do to get my money its not right even thoough they admitted had i taken the check to the bank it would have been just cashed on the spot and i could have walked out with my money so whats the hold up they are just earning intrest on customers money and its wr. like i said i will be seeking legal council to find out my rights in making them accountable in 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 monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: KS
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and unfairly damaging my credit score. Specifically, I am disputing the following accounts : XXXX. XXXX XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Charge Off Account These accounts are not mine or have been previously resolved. I have made every effort to rectify these errors, but they persist on my credit report. The incorrect reporting of these accounts has negatively impacted my ability to obtain credit, resulting in higher interest rates and fees. 

I have attached supporting documents that demonstrate my attempts to rectify these errors, including correspondence with the companies in question and records of payments made. I am requesting that these items be removed from my credit report immediately, as they are causing undue stress and financial hardship. 

According to the Fair Credit Reporting Act, you have a legal obligation to investigate and correct any errors on my credit report. I expect a prompt response from you regarding this matter, as I am eager to rectify these errors and improve my credit score. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 below has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681. Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Have violated my rights. 
15 U.S.C. 1681 section 602A - states that I have the right to privacy.

15 U.S.C. 1681section 604A section 2 - states that a Consumer Reporting Agency CAN NOT furnish an account without my written instruction.

15 U.S.C. 1681c- ( a ) ( 5 ) Exclusions - states that No Consumer Reporting agency may make 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 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 2020-11-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The company recently changed the way that they calculate credit scores. During this period i refinanced my equity line, keeping the same amount but lowered my payment by about $ XXXX/mo. My first mortage lender ( XXXX ) went bankrupt. My first mortgage was taken over by another lender XXXX XXXX. They use a servicing company called XXXX XXXX XXXX credit score drops by more than 80 pts. and a comment on my credit report appears saying that my real estate loans are too high, and that my credit useage is 74 %. 
Experian has no idea of the value of the house securing the loans, and they are lumping my secured line of credit mortgage with unsecured credit cards. As a result, my credit score is XXXX points less than that of other credit reporting bureaus. When i contacted them, i was told that i could not challenge their scoring. How can they say real estate loans are too high, when they have no knowledge of the asset value? When asked about the difference credit scoring with the same information, they had no answer. 


















.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: OR
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:
signed up for experian boost, gradually adding bills & eventually I realized they had real time access to my checking accounts I realize now that several times my boost bills would spontaneously drop off and I had to sign in and re-submit them.., I believe this is why I eventually just gave them full access to my checking account, because I was tired of seeing my credit score go up and down. 
However, a few large drops in my score had no explanation whatsoever even after hooked up with bank accounts daily hourly reports in real time. 
After securing a decent credit card in spite of this prior roller coaster with my score, I cut off access from my bank 's end I now have had months of dire warnings on the part of Experian about drops in my score & " hook up '' your bills again before " date '' deadline. 
I was tired of appearance of credit score growth only for them to drop bills off the roster forcing me to regularly sign back in and in most cases restart the record of each of these " lost '' bills history, so I never really was getting anywhere but stressed.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-03-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used the Cash App to have someone send me funds. I went to deposit the funds into my bank out of Cash App. I check my bank account on the day that the funds were meant to be deposited into and they were not there. I then reviewed the transaction on the Cash App and saw that the direct deposit was set for a bank routing number I had never heard of. I looked up the routing number of the bank and it appears that it is the bank that Cash App runs all of its transactions through. I am unable to see the full account number that the money was transferred to. Cash App has no direct customer service. No phone number that they currently have listed gives you any information, they only have messages about things that are not what they state on their website. There is only a limited way to send in a complaint on their site ; you have to hunt through their menu to even find a form. This was clearly a mistake and it seems clear that Cash App put in a placeholder direct deposit account that went to their own bank. I have no idea why they would do this, why wouldn't they just leave it blank?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was told that such inquiries would be soft inquiries not hard inquiries. However, my credit report shows otherwise. 

Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX of XXXX : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : 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 2021-10-24
Company: DataMax Corporation
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:
I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Nelnet, 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:
I am a victim of identity theft and/or breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and/or breach of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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 is missing that should be on the report

Complaint:
MY CAR LOAN IS NOT SHOWING ON MY CREDIT REPORTS PLEASE UPDATE MY INFORMATION THANKS

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 2019-06-27
Company: Westlake Services, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is in regards to 2 accounts that I have with XXXX XXXX. One  account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX lowered my credit limit on my XXXX XXXX account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by 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 explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXXXXXX : ACCOUNT # 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 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 non-monetary relief