BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-19
Company: ALLY FINANCIAL INC.
State: MS
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:
XXXX XXXX said my credit score was 200 points lower than it really is and caused me to be denied auto financing. I've never even heard of this company and I definitely did not give my permission for my personal information to be given to them. Their reasons for such a low credit score were not true either. Ally Bank will definitely never get any business from me in the future and I will make sure to let everyone possible know about these two companies and what they have going on

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 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Applied for mortgage loan through XXXX XXXX in XX/XX/XXXX, and XXXX  XXXX XXXX XX/XX/XXXX. Both stated they received no scores from TransUnion, XXXX, and XXXX. In XX/XX/XXXX, I got scores for them when I applied for rental units. So XX/XX/XXXX, I called the bureaus listed, asked why they reported no scores? I was told by customer service representatives they were showing scores for me. They refused to give me the score over the phone, citing I had to pay for it ( {$9.00}, etc. ). I questioned why two different lenders were getting the same result, they claimed not to know and said I needed to have them call the bureau directly. I shouldn't have to pay for my own credit report and submit it to lenders. 

Something does not add up!

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: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My original mortgage was with XXXX and was sold to Shellpoint. I was unemployed due to a wrongful termination from work. I was granted a forbearance by XXXX in XX/XX/XXXX. I was to start work XX/XX/XXXX but Covid-19 prevented that. With Shellpoint I asked for and was granted a Covid forbearance. Now that my forbearance is over I was told that if I paid the 6 payments I missed before the Covid forbearance then and only then can I apply for a modification or deferment of the missed payments during Covid. I can never get in touch with my representative except through email. She has been pressuring me for over {$10000.00} but never explained clarity on the situation. Now after speaking to others at Shellpoint and NEVER a supervisor even though I have asked for one, I am being told that even if I make the 6 back payments I will not be granted a deferment or modification because I was 30 days past due on my mortgage before the Covid forbearance started. I am just being told this information. I am told the only thing i can do is to sell my house before they foreclose on me. I am working now and just want to start making my payments and keep my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My checking and savings as well as my credit card account at Bank of America were all arbitrarily closed without providing me the reason for such closure, except it was explained that it was in their right to close those accounts. Dates of closure notice were given on XX/XX/2023. 

It is extremely unfair and presumptuous on part of BoA to close my accounts and I would like my accounts to be reinstated as there is no good reasson to close them when I have a good credit score, pay my credit cards on time and maintain the monthly limit on those accounts.

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 2022-10-13
Company: Medical Business Bureau
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This medical debt is not owed I have health insurance and do not owe this bill. I did not sign anything with my signature stating this debt belongs to me. Please remove this from my credit report immediately. This is a medical debt that's not owed when there is health insurance. I signed no papers owning this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$1500.00} ; XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: ID Analytics, Inc.
State: MS
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:
XXXX XXXX said my credit score was XXXX points lower than it really is and caused me to be denied auto financing. I've never even heard of this company and I definitely did not give my permission for my personal information to be given to them. Their reasons for such a low credit score were not true either. XXXX XXXX will definitely never get any business from me in the future and I will make sure to let everyone possible know about these two companies and what they have going on

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 2023-01-23
Company: Experian Information Solutions 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:
To Whom It XXXX Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act Section 609 A 1 A, you are required by federal law to verify through physical verification of the original signed contract for any and all accounts you report on credit reports. I demand to see a verified proof for any and all accounts on my credit report. If you fail to validate, remove from my account immediately. 

XXXX XXXX XXXX does not and has not ever belonged to me. It is not mine. I have never been in a contractual agreement with the respective company. 


Sincerely, 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 2022-11-22
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX XXXX 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 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. Section ( A ) ( 5 ) 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 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) states 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 2022-01-15
Company: Experian Information Solutions Inc.
State: PA
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 went to check my credit as I always do because Im in the middle of purchasing a home I am a first time home buyer. When I check my credit I found out that my credit score have been lowered by XXXX  points on all of the credit companies. I then reached out to the lender that I was working with and she explain to me how to handle it. I called the federal student loan company to tell what had happened he informed me that the federal student loan has a right to close my account and transfer it to someone else. I told him I understood that however the Fed student loan company did note it in my credit report. Neither did they note that when they closed my account that my account was in good standings and it was of no fault of me as the consumer that my federal student loan account was closed. Nor did I have anything to do with it, as a matter of fact I did not even know until I went to pay my monthly payment and it was rejected.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-02-16
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I have a credit alert account with EXPERIAN and I pay monthly fee. When I bought a new car in XXXX XXXX2022, the car dealer XXXX of XXXX XXXX used Experian to check credit. The Salesman showed me my credit report Score from Experian is XXXX, yet when I opened my ONLINE ACCOUNT WITH EXPERIAN MY SCORE IS XXXX... XXXX ON MY PHONE the same day I showed this to SALESMAN. This is fraud and Breach of Contract. I pay Experian to protect my credit and Experian send BAD SCORE to merchants, so I ended up paying more, merchants make more money. EXPERIAN USES DECEPTION

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 2021-02-06
Company: MEMBER FIRST MORTGAGE, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The loan was all set to close. On XX/XX/2021, we received an email from XXXX XXXX of Member First Mortgage, regarding the closing disclosure which included a fee of {$33.00} for an employment verification. We request information on this transaction and received no response from XXXX XXXX We had submitted check stubs up to the finial time of the closing, which the employers name and phone number was available. Please review the receipt from the XXXX  XXXX XXXX  order by XXXX XXXX of Members First Mortgage. If XXXX wanted to verify employment she could have contacted the employer or addressed in concerns with my husband. At one time she was questioning the hours he worked being shorten. He hauls gasoline which the pandemic we are going through all over the world caused his company to shut down this year, as well as reduce the number of work hours for all drivers in the company. We have asked everyone about this charge no one seems to know why the charged is placed on us or should it be the responsibility of Members First Mortgage? Members First Mortgage would not provide us with the attached receipt we had to obtain it from another source.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 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 PLEASE SEE LETTERS FOR REFERENCE

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have been a co applicant on my home equity aka mortgage for the last 20 years and it does not show up on my credit report and never has and it has negatively affected my credit all these years. The primary person has it show up on his credit report and I notified the bank to no avail.

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 2019-09-20
Company: Community Cash Management Corp.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I received a notice in the mail stating that I owed {$340.00} to our doctor 's office. My husband also received a notice and that will be addressed in a separate complaint here. My husband and I have the same doctor. We always are told if we owe money for the day 's visit, but we also have an arrangement of {$25.00} per visit per person. The last time we were in the office, we were NOT TOLD that we owed any money nor did they ask for our arranged payment. To me, that is THEIR RESPONSIBILITY TO let us know that we owe the payment.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2021-02-06
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is showing one time late in there categories box. I requested and received and reviewed my full credit report. There is no lender reporting a 30-day late on the report at all. I have tried to relate this information to Experian and have not heard anything back from them. I want the one time late from some unknown entity removed from my credit report.

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 2018-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
urned in my XXXX XXXX XXXX lease with XXXX XXXX  in XX/XX/XXXX under the provisions of the XXXX. Received confirmation of the lease turn in XX/XX/XXXX after several attempts to contact XXXX. Received multiple statements from XXXX claiming that we owed money on the remaining payments while I was XXXX to the XXXX XXXX. XXXX XXXX  told us multiple times to disregard the statements that our account would be fixed since it was turned in under XXXX. In XX/XX/XXXX we went to purchase some land and saw that we were shown as having late payments on our account for several months after the car had already been turned in under XXXX. After several attempts ( probably 20 or so ) contacting XXXX XXXX and talking to multiple customer service reps and managers we were assured that our account had been corrected. As of today XX/XX/XXXX the account still shows 60 days late on all three credit reporting agencies with updated dates in XX/XX/XXXX despite XXXX telling me that their system shows it being cleared with no late payments. I have been promised that we would get a letter that states the account is incorrect on multiple occasions and have still to receive any letter. This has now cost me hundreds of dollars in additional fees and deposits required to establish new accounts because of the incorrect information. I have been promised for months that the issue would be resolved, yet nothing has been done to correct the issue. I was told to dispute the information that it must be incorrect with the credit reporting agency. I did dispute with XXXX  which returned with an affirmation from XXXX XXXX that the information was correct.

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 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Contact credit bureaus about unauthorized inquiries no help at all inquires are as listed ... 

XXXX XXXX/XXXX  XXXXXXXX/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