BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Freedom Mortgage, through their subsidiary XXXX XXXX XXXX, purchased the rights to my loan in XX/XX/2020. In XXXX, I was contacted directly by Freedom mortgage to offer a 0.25 % rate reduction at no cost to me, no term reset, no addition to my loan balance. This was provided in both email and on a recorded line. 

After accepting, providing authorization to run my credit, and providing a full package of bank statements, pay stubs, w2s, insurance information, loan agreements for auto loans, and many more daisy chained requests, Freedom delayed the closing for weeks upon weeks at a time, then requesting a refresh of information ( new pay stubs, additional payment information on insurance even through they hold my mortgage, and escrow my homeowners insurance, etc ), and re requesting information that was already provided. The result is now 3 months later that they are ready to close, but my rate lock has expired and will now require me to pay points to process the refinance. 

Per the literal dozens of emails and phone calls that were recorded, there is a clear chain of provided requested information, only to have the company wait 5-10 business days at a time and then request the same documents again. The Company deliberately delayed on multiple occasions to allow the rate lock to expire, allowing them to collect fees to complete this transaction, as well as delay for months what should have been lower payments to the company.

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 2021-12-01
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Huntington bank bill pay services deduct money from a checking account at initiation of the check, not at time of cashing of check. This opens door to several issues. Man issue is who s in possition of funds when check is not cashed? How does the bank report this addition income?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a a check from the school I recently graduated from. I decided to open a bank account because the check was for {$2500.00}. So I went to chase bank branch in XXXX CA XXXX. After opening a checking account I was informed that my check will take XXXX to XXXX business days to clear which I was totally find with. After the first week I was only able to get XXXX dollars. I called the bank and was told that my account was suspended and that I needed to come into the branch to verify my identity so I went in and took XXXX forms of identification. After that I was told that I should receive a email well I never received a call or email so I decided to call again. Then they said that they couldn't verify if the check was made out to me. I tried giving them XXXX different phone numbers of the school I graduated from and they won't accept it and won't return the funds or release the XXXX have all the proff of why and how I received the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account in Bank of America around XX/XX/2021, using this account to receive services fee from my clients. I am self-employed account, providing tax and account service to our XXXX clients. The account balance is about {$3900.00} when the bank decided to close my account without any reasonable reason. I can't decide which account my clients use to pay me the money, but the bank said I receive money from unemployment benefit card. So I can let my clients to prove this thing, I just received the money from the work I did. I did not do anything fraud or wrong. 

the bank said they will send this decision to XXXX XXXX , XXXX and XXXX XXXX XXXX , XXXX. So it may affect my credit. I totally can't accept this decision. It's unfair to me. 

We family just bought a house right now, we are in closing time to apply for a mortgage loan. I don't wan na this decision will affect our to get the loan. 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 monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-07-13
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon checking my credit report. I see that your company is reporting that i owe a debt from the original creditor of XXXX XXXX XXXX. I do not know anything about this debt. I never had a XXXX XXXX XXXX  account and never will. I am a victim of identity theft and had one through different things to get my credit repaired due to these fraudulent accounts. I am asking your company to send the debt back to XXXX XXXX XXXX  so i can handle this personally with the company and not a collection agency that i nevered heard of. I will attach a police report to this also.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-07-13
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I received a message from XXXX XXXX inquiring about tires and rims I was selling on XXXX XXXX XXXX for {$600.00}. He inquired about whether I used Zelle for payment. I told him that I did. Then I received a notice from what I thought was Zelle stating that the person that was sending the funds were using a business account and because my account was a personal account needed to be updated to a business account. It stated that the pending payment of $ XXXX. We should be crediting your account now, but funds coming from a business account are pending until the following steps is applied so it cant be credited. We need you to contact the buyer to send in the amount of XXXX XXXXXXXX to your Zelle account so that your Zelle account can be changed to a business account and be credited immediately with XXXX XXXX.Then XXXX XXXX stated that he send the {$300.00} and I had to guarantee him that I would send the {$300.00} fee back to him. Which I did. I was unaware that I was being scammed. I sent the money back from my account on XX/XX/2023, but had a feeling after all the back and forth from XXXX XXXX. I contacted my bank about this being a possible scam.On XX/XX/2023, I received a letter from XXXX stating that there was no error. Also that based on Zelle terms of service agreement or payments for goods, or services. They declined to return the money and that should try to make the effort to retrieve my money from the buyer. I tried to contact the buyer via Zelle making a request for return of funds only to find out that the recipient isnt eligible to use Zelle any longer and to contact the recipient to verify the information is correct. I know that the information is correct as they used the same information to send my money to recipient. At this point I am not sure how to proceed and {$300.00} is a lot of money for me to lose due to this type of scam that seem to spoof XXXX information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$2600.00} ; XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX & XXXX {$2600.00} Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX : {$660.00} ; XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXXXXXX Balance XXXX {$950.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/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 2023-08-25
Company: Sentry Credit, Inc.
State: NM
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company has not provided proper debt validation. response was sent to company in XXXX ( attached ) and nothing was provided back. initially there is no documentation provided even telling me this debt was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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: Was not notified of investigation status or results

Complaint:
I sent a letter to the Credit Bureau on XX/XX/2022 and XX/XX/2022 and have not received any response via mail or any other communication regarding the accounts that I have requested verification and validation of the debit. According to the FCRA credit bureaus are required to validate each debt they report with in 30days and reflect on a consumer 's report to ensure the validity of that debt with an original signed contract for validity of the debt. No action has been taken because I have repeatedly sent letters and have not received any response in a timely manner nor do I have an original signed contract stating regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: Was not notified of investigation status or results

Complaint:
I have sent multiple dispute letters to XXXX XXXX and Transunion. I have not received a response or an intent to verify and investigate. I would greatly appreciate if you could investigate and delete the follow inaccuracies off of my credit report. thank you.

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 2023-07-13
Company: Harvard Collections, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Where do I start. My Person information was hacked via several companies since XXXX. 
XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX ) ; and XXXX ( XXXX ). 
I have been fighting a credit nightmare with XXXX debts that are fraudulent every since. 
By : ( Harvard Collections Serv.- {$2600.00} ) and ( XXXX XXXX XXXX {$1000.00} ). 

I having been " Disputing '' having fraudulent reports removed by credit bureaus ; only to have them resurface year after year via the same collection agency or a different collection company, who so called purchased the debt. from the one in which was previously disputed and removed. I know, its ridiculous, and even more concerning that the credit bureau are allowing this process without cross referencing them as a previously disputed and removed from my report under the same name, and or a duplicate disputed collection removed under a different name. Please help! I worked so hard to be economically responsible ; only to spend a ridiculous amount of time disputing obvious fraudulent reporting in efforts to intimidate and fraud innocent consumer out of their hard worked finances and to tarnish their credit history.. 
As a consumers, the current resources the credit bureau have in place are not in the best interest of consumers who have been victimized over and over by hackers, scammers and collection practices that not only operate unethically ; but also abuse their ability to report debt prior to proof of identity ; and or ownership of reported debt in and attempt to collect via thieft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SPS select portfolio services and XXXX  was paid in full in XX/XX/2019. They both had removed the fraud and wrongful information off credit report but now placed this same fraud and wrongful information back onto my credit report Im an XXXX XXXX XXXX XXXX war veteran that needs to buy a new home and this wrongful information is preventing me from buy a new home that will accommodate my war XXXX Please take appropriate actions against these to companies for malicious fraud actions these companies have taken in putting this fraud information back onto my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CITIBANK, N.A.
State: CA
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:
I have repeatedly told these companies, the account have fraudulent activity and Im a victim of identity theft and accounts and charges arent mine 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed 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
Consumer complaint received 2023-07-18
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 belongs to someone else

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX

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 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There is a XXXX  on my report that is incorrect please remove. This item is not mine please send verification or remove. Ive requested legal correspondence and have received none. Please remove I have contacted the courts they say theyve never reported this information to my report I dont have these on XXXX or XXXX XXXX guys seem to report this fraudulent information monthly again please remove.

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 2023-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My problem is with Bank of America. I have filed a complaint with them, and my claim number is XXXX. I have complained to OCC and my claim number with them is : XXXX. I filed a complaint with my local police department, XXXX XXXX  in XXXX, to XXXX XXXX. The file number with the police XXXX is XXXX. The address of the XXXX is XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX The detective'snumber is XXXX. 
My complaint is that my credit card was charged {$2000.00} and {$500.00} respectively on XX/XX/XXXX and I noticed the charges on XX/XX/XXXX. The bank has not sent the new card. They sent a replacement cardthat now expires XXXX. This is the second time that I have had a serious problem with Bank of America. A few months ago, one of my checks was laundered and cashed in Bank of America. The check was for over {$6000.00}. It was very hard to get closure. My other bank, on which the check was drawn, made things right.

Please look into this bank 's practices. 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 monetary relief