BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Reporting Act, [ XXXX XXXX XXXXXXXX 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The Estate of XXXX XXXX XXXX is not privy to any contracts between XXXX XXXX XXXX and its associates. I DO NOT UNDERSTAND, I DO NOT CONSENT, I DO NOT ACCEPT. I DEMAND A CEASE AND DESIST, YOU XXXX XXXX XXXX ARE NOT AUTHORIZE TO USE OF THE TRADE NAME OF THE ESTATE OR COPY RIGHT ON ALL MEDIUMS AND PUBLIC PLATFORMS. FAIR NOTICE TO ALL PARTIES INVOLVED. THIS IS A XXXX COPY RIGHT INFRINGEMENT VIOLATION ACCORDING TO THE ESTATE FEE SCHEDULE OF FILE. THE ESTATE WILL ALSO BILL XXXX FOR COMMERCIAL INJURY. THIS IS A PUBLIC COMMUNICATION TO ALL All rights reserved UCC1-308 Notice to agents is notice to principles Notice to principles is Notice to Agents Applications to all successors and assigns

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 2023-11-15
Company: M&T BANK CORPORATION
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XXXX XXXX a tree crushed our house. My mortgage sold my property loan at the same time. I was informed that my Loan would now be managed by M & T Bank. Long story short we received a large check from the insurance company to start repairs and it had to include the mortgage since there was a loan in play. M & T uses a XXXX party to manage these type of funds. The XXXX XXXX XXXX XXXX is XXXX XXXX XXXX They have a reputation for holding funds online, I called the bank to inform them I was not comfortable with using them and I was told it was not optional. Since that time it has been a nightmare, I could write a book. I have placed XXXX XXXX complaints and nothing has changed. They have to have more documentation every time we call, this has been since XXXX XXXX and repairs are held up as we are out of money and have called multiple times, requested that a supervisor call several times and they continue to need things in order to release funds. 
They are absolutely heartless and just want to hang onto the money while we work normal jobs and then work on the house till its too dark. We are tired and would like to complete our home and not have to be dealing with this company. We need help! Disaster victims should not be treated like this. I am constantly having to upload documents and if you call, just getting to someone is at least XXXX minutes as they try to direct you to the website several times. Supervisors never call back and when they do they do not listen or care they just want something else.

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 2023-01-13
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX : XXXX ( XXXX XXXX XXXX  ) Balance : {$1100.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$460.00} XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Balance : {$190.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$570.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$580.00} XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$340.00} XXXX ( XXXX XXXX XXXX XXXX ) Balance : {$240.00} XXXX  XXXX ( XXXX XXXX XXXX  ) Balance : {$530.00} XXXX XXXX  : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$190.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$570.00} XXXX XXXX XXXX ( XXXX XXXX  XXXX ) Balance : {$580.00} XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$340.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$320.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$1100.00} EQUIFAX Collections : XXXX XXXX ( XXXX XXXX XXXX  ) Balance : {$340.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$320.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$51.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to ar y consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX ( Original Creditor : 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 2023-01-13
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 receipt by such agency of- ( 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 information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 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 2016-11-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This complaint is concerning missing information on my Equifax credit report. I have called numerous times to let Equifax know that they had removed XXXX of my positive credit card accounts. XXXX XXXX, XXXX, XXXX XXXX Bank and my XXXX XXXX Bank Account. My score has plummetted because of this. I have attached a previous credit report from Equifax that shows the accounts were previously on the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
The last time I checked I had a credit score of over XXXX. I applied online with Bank of America for a credit card. I have never been late on a payment. I have never been denied credit before. I pay my balance in full unless I have XXXX  % interest but always pay my balance before the interest offer expires. I have less than {$1000.00} outstanding balance. Yet I was denied a credit card with Bank of America. 
I was asked if I have dual citizenship by BoA. They were the only credit card company to ask that. I do, with XXXX. I live and work in the XXXX and my permanent residence is in the XXXX. I own my home and have lived in it since 2015. 

If this decision was made based on my also being an XXXX citizen even though I do not live there this constitutes discrimination.

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 2022-03-03
Company: BSI Financial Holdings, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a followup complaint to the original submission on XX/XX/22 with BSI financial. I have still not heard from them, and as of today XX/XX/22, my county government still has not received escrow payment from them.

Since my original submission, I have talked to a real estate attorney and housing counselor. I have contacted my district 's councilman.

They all told me to file complaints to other agencies. The housing counselor is suspicious that BSI is using 3rd party paper checks in this day and age and that BSI could not provide me a tracking number of the check when asked. 

If you look at their online reviews, they are all negative. Interestingly, there are a lot of reivews asking if the place is hiring which is also strange. 

I have been instructed to submit these new complaints and report to local authorities about possible money laundering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Public record information inaccurate

Complaint:
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 I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX Bankruptcy, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I disputed the information with the bankruptcy court, XXXX XXXX and XXXX. Bankruptcy court stated they do not verify any bankruptcy open or closed with any third party including pacer. I never gave written permission for anyone or any company to furnish any information on or about me. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy 1 5 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 1 5 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 2022-11-25
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: Old information reappears or never goes away

Complaint:
On XX/XX/2022, XXXX XXXX XXXX stated they would cease efforts to collect a debt they alleged I owed. Once this was resolved, they removed all information from my credit reports. Experian is listing this debt as true and accurate, despite a request to dispute submitted on XX/XX/XXXX and additional information shared on XX/XX/XXXX. I added the official complaints filed against XXXX where they confirm the account is closed to the CFPB and the credit bureau is still reporting the account as open and alleging I owe a debt.

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 2022-06-01
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-04
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 it was brought to my attention that Navy Federal Credit Union has been collecting unearned interest which is a violation of ( 15 U.S.C. 1615 ). Also, Navy Federal Credit Union has not been applying/transfering my principal balance to my account and have told me after a phone call to customer service that they was going to charge me late fees and have put my account in collections because I haven't sent them Floating Rate Notes/ Federal Reserve Notes. Navy Federal is demanding that I send them a total amount of {$79.00} before the XXXX of XXXX. I'm trying the understand how Navy Federal thinks I owed them U.S. Currency which is an obligation of the United States? pursuant to ( 18 U.S.C. 8 ). Also, I have been sending my endorsed dividend check/ coupon/ remittance slip that comes on the bottom of my Bill to Navy Federal po box /LOCKBOX and Navy Federal has not applied them to my account or has not sent them back which is a violation of Uniform Commercial Code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions 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:
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 FCRA 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 from erroneous reporting in my file are listed on my credit report : DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX*Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}

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 2022-06-04
Company: PNC Bank N.A.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I, XXXX XXXX came to XXXX PNC bank located in XXXX, AL on Sunday, XX/XX/2022, around XXXX and tried to deposit money onto my cash app card. Why I thought I could do that, I am not sure. However, the ATM took my money and didnt return it to me. I gave the ATM over {$1200.00} I visited the bank and they told me it wasnt anything they can do because I didnt bank with PNC Bank XXXX I will have to dispute it with cash app which Im not understanding because the bank has my money not cash app. Please let me know if there is anything you all can do to have my money return to me. I also reported this incident to XXXX. XXXX XXXX from PNC Bank gave me a call concerning the deposit at the ATM. She stated that the ATM was a third party machine and that the third party company havent reported any overage in the ATM. I reported this incident to cash app and they stated that they do not see any transaction being made to my card and since I deposited the money at PNC Bank ATM that PNC Bank will have to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: IL
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 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XXXX : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 alleged fraud or extortion. 

XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00}

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