BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
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:
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 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 2018-10-24
Company: AmeriHome Mortgage Company, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I took a mortgage in the amount of {$660000.00} to buy a house in XXXX. The mortgage has been serviced by AmeriHome Mortgage, with loan number XXXX. 

On XX/XX/2018 I made a special payment ( in addition to the regular monthly payment ) of {$38000.00}. 

My intention and understanding when making that payment was to apply the entire amount toward principal reduction. 

I later found out that instead of used for principal reduction, AmeriHome processed it as nine monthly payments. That meant that the principal amount of those payments was applied immediately ; the escrow amount was added to the escrow account ; and the interest amount ( which is most of that amount ) was held by AmeriHome.

Even though it processed it as nine monthly payments, AmeriHome continued to draft the monthly payments from my bank accounts. 

That raises the question : what happens to the interest portion of the payment I made? I do not want AmeriHome to hold these funds ( apparently indefinitely since they kept drafting the monthly payments ) while I earn no interest on them. 

I contacted AmeriHome and repeatedly asked what happens with those funds, but never got a clear answer ( see attached correspondence ). 

In addition, on XX/XX/2018 XXXX XXXX XXXX, a AmeriHome representative, wrote to me in response to my inquiries that " If there are any additional funds in your escrow account when it is analyzed, a surplus check will be released and mailed to you. '' However, on XX/XX/2018 a county tax disbursement was made from the escrow account in the amount of {$2400.00}, leaving a balance of {$11000.00} in the escrow account ; however no surplus check was released to me. 

After some back and forth, on XX/XX/2018, I requested that the payment be reversed and applied to principal ; this is exact language of my request : " On XX/XX/2018 I made an online payment of {$38000.00}. 
Of that amount, {$7900.00} was applied to principal, {$22000.00} to interest, and {$7400.00} to escrow. 
I would like the entire amount to go towards principal therefore, can you please apply additional {$30000.00} ( this is the combined amount applied towards interest and escrow ) to principal, effective XX/XX/2018. '' On XX/XX/2018 I received a reply from XXXX XXXX, an AmeriHome representative, saying : " Please be advised that we have submitted a request to have these funds reversed and applied to your principal per your request. Please allow 3-4 business days for this adjustment to be completed. '' That never happened. 

On XX/XX/2018 I contacted AmeriHome again to ask why my request was not processed as promised ; I received no explanation, except stating that my payment was applied as nine monthly payments ; and that for further questions I should contact XXXX  XXXX XXXX. 

I request that this issue be taken care of before transferring loan servicing to XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act, the following XXXX accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX XXXX - XXXX XXXX XXXX - However, theyve stated everything was complete and accurate. But how is that possible if the date of last activity for each mentioned account and much more is incorrect. According to 15 USC 1681i ( 5 ) Credit reporting agencies are supposed to delete accounts if it isn't reporting accurately. Also. 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. Lastly, these accounts arent in compliance with metro 2 credit reporting. I have evidence to prove my case. If your company doesnt honor my request to remove the above-mentioned alleged accounts, I will enforce my rights as a Federal Protected Consumer and litigate under the laws of the FCRA. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
DATES SHOWN IN ATTACHMENTS ACTIONS TAKEN TRIED REACHING OUT TO XXXX XXXX XXXX, TRUSTEE, AND INDENTURE TRUSTEE SENDING REGISTER BOND WHICH WAS ALSO SIGNED FOR RETUNED BACK STILL NO ACTION TAKEN NOR RESPONE GIVEN. 

15 U.S.C. 1681a 1681a. Definitions ; rules of construction BY LAW SAYS IT IS ILLEGAL FOR CREDITORS TO REPORT LATE PAYMENTS A.K.A TRANSACTIONS ON CREDIT REPORT. 

( A ) credit or insurance to be used primarily for personal, family, or household purposes. 

( B ) employment purposes; or ( C ) any other purpose authorized under section 1681b of this title. 

18 USC 1951 INTERFERING IN COMMERCE CAUSING HARM AND THREATENING MY PERSONAL LIBERTY, RIGHTS TO CONDUCT TRADE OR BUSINESS. THIS IS A VERY VIOLENT ACT AS IT CAUSES ME TO NOT BE ABLE TO FEED MY FAMILY AND HARM UPON MY PURSUIT OF HAPPINESS TO FEED MY FAMILY. 

DENIAL OF CREDIT IS INTERFERING WITH COMMERCE, USING A CREDIT REPORT TO DENY ME CREDIT INTERFERENCE IN COMMERCE. AND YOU CAN NOT DENY ME MY RIGHT TO CONDUCT TRADE AND BUSINESS BASED ON THE FACT IM PROTECTING MY RIGHTS THATS DISCRIMINATION AND INTERFERENCE IN COMMERCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm a former tenant at The XXXX of XXXX XXXX and moved in XXXX of XXXX. I put in a 60 day notice and my lease ended XX/XX/XXXX. I actually moved on XX/XX/XXXX and paid the full month 's rent as expected. The apartment keys were returned when I moved out. I was a great tenant who always paid on time and only made a few maintenance requests while living there. The dire being when a piece of the bookcase shelving fell in and rained in my apartment and was never fixed before moving out ( this happened months before the end of my lease ). 

I started receiving calls from a debt collection company ( XXXX XXXX XXXX ) because my account was turned over to them. I went to XXXX XXXX XXXX XXXXXXXX XXXX to have this resolved and received a printout and was told to contact the person over billing ( XXXX XXXX ) on the following Monday. After doing so through email I received an attachment that contradicts the original printout ( please see attachments ). I don't believe that this is good business practice to try to cheat someone out of their hard-earned money so I chose to come directly to you with this issue since the apartment management wouldn't resolve it. I've worked for years to achieve excellent credit in order to achieve a home loan and then this happens to me. The collection agency nor the apartment complex is seeing the issue. 

Attached you will find ; Residential ledger from XXXX XXXX XXXX XXXXXXXX XXXX ( I've highlighted payments ). 
Print out of payment directly from creditor. 
Move-in statement from XXXX XXXX XXXX stating when my new lease started.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had XXXX cars loan from wells Fargo few years ago. but I heard they are having issue with extra charge and etc., but I still didnt get any call from wells fargo.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
credit reporting agencies willful non-compliance with FCRA 15 usc 1681n, 15 USC 1681e ( b ) causing damages to my personal reputation with lenders and creditors, preventing me to enjoy my federally protected constitutional rights to ensure my domestic tranquility, general welfare and pursuit of happiness for family, home and personal use.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: WI
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. I have advised the creditor and credit bureau to remove this fraudulent account, and they have refused.

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 2023-06-07
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: Information belongs to someone else

Complaint:
XXXXXXXX XXXX  has a XXXX XXXX  account that is closes on my credit. 
XXXX XXXX XXXX has went to collection for XXXX XXXX also for XXXXXXXX XXXX  XXXX XXXX XXXX has went to collections for XXXX $ XXXX. XXXX, XXXX has went to collections for XXXXXXXX XXXX XXXXXXXX XXXX has been placed on collections for XXXXXXXX XXXX XXXXXXXX XXXX has been placed collections XXXX XXXX  XXXX is placed in collection 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 2023-05-01
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:
credit reporting agencies willful non-compliance with FCRA 15 usc 1681n, 15 USC 1681e ( b ) causing damages to my personal reputation with lenders and creditors, preventing me to enjoy my federally protected constitutional rights to ensure my domestic tranquility, general welfare and pursuit of happiness for family, home and personal use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: RFNA, LP
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a credit alert that stated my credit debt had increased by {$1000.00}. Upon checking my credit I realized an old debt from Republic finance had now increased from {$3100.00} to {$4.00}. they also reported on my credit that I made a payment on XX/XX/XXXX that is not true my last payment was in XX/XX/XXXX before my accident. I am starting to rebuild my credit and this hurts my chances I would like for it to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: LEXISNEXIS
State: MS
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:
My name is XXXX XXXX and I'm file an complaint because of the fact that my rights have been violated under 15 U.S.C.1681 sec 602 a in accordance with the fair credit act. 15 U.S.C. sec 604a also states that a consumer reporting agency can not make any of the following information or adverse item of information other than records of convictions of crimes dates more than 7 years. i have informed the company of this and also the information that I have attached below as prove. It has been more than 30 days that I haven't received an apply. Also 15U.S.C. 1681-2 1 states a person shall not furnish my consumer reporting to any consumer if the person knows or has reasonable cause to believe that the information is inaccurate. I wrote the clerk of the court and the court informed me that they don't give out information to third parties. i feel my rights have been violated!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
State: MN
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:
MAJOR issue here. Back in  XXXX ,  XXXX , I contacted  XXXX  after I received a letter about an  XXXX   XXXX  credit card application denial after never submitting an application. I contacted  XXXX , and they told me they would remove the inquiry. I put fraud alerts on my credit reports, and still get hard inquiries. Fast forward to  XXXX , and I 'm still regularly ( at least 2 times a month ) receiving application denials for the  XXXX   XXXX  credit card, which still to this date, I 've NEVER applied for, nor ever want. I contacted  XXXX , again, and was told they 'd remove the inquiries, even the one from  XXXX  still on my credit reports. Then I was told that they were n't going to remove some of the inquiries, and to submit a request for removal with the credit reporting agencies. I did so, VERY begrudgingly, and received denial of removal letters stating, and I quote, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' As of today 's date   XXXX   is showing : Company Information :  XXXX   XXXX  Date of Inquiry :  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  Experian is showing :  XXXX   XXXX  Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX    Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX  And   XXXX   shows nothing.     I 've put a fraud alert with the credit reporting agencies, and still get hit with these inquiries. I 'm at my wits end with  XXXX   XXXX , and  XXXX . Although this is n't so much  XXXX  's issue as they 've reset my  XXXX  account thinking I was a victim of a hacked  XXXX  account. Even after that, the issue is still occurring even after  XXXX  reset my account information. The issue is n't so much with  XXXX , but with  XXXX  repeatedly processing unauthorized credit requests for the  XXXX   XXXX  credit card, as well as repeatedly telling me they 'll remove the hard inquiries from my credit reports, and failing to do so.

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 2019-01-21
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
I HAVE ASK FOR PROF FROM BARCLAY THAT THESE CHARGES WERE MADE BY ME THEY HAVE YET TO SEND ME PROF OF ANY PURCHASE MADE IF THEY CANT SEND PROF I WANT IT REMOVED FROM MY CREDIT REPORT BY LAW THEY MUST SEND PROF

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 2023-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was a victim of identity theft. 
Someone opened a checking account in my name using phone numbers I dont recognize. But had my old apartment address. And now Bank of America has closed all my accounts and will not let me open another one. 
I did not ask them to open an account they allowed someone else to in my name so I dont understand why I am being punished.

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 2019-05-10
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX I requested my hard copy.It looks the same as the one I can check online through XXXX no score only personal information, general inquiries, on the back of the one page report it says I am to purchase my score their services are {$30.00} approximately a month.According to XXXX and past hard copy my score has not changed in over a year.I have exhausted calling, filing complaints, filed recently with the XXXX XXXX XXXX have been denied repeatedly and not given any information as to why my score has not changed.I recently opened an account that reports to the credit agencies.It shows up the account is reporting.my XXXX score has went up alot in the last 6 months.XXXX no change.i was a victim of the Experian XXXX hack over 3 years ago and it froze my credit.every since then I have been repairing that damage.I have been hung up on, denied any information and told they do have to supply me that information unless I pay for it.

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 2023-10-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX I mailed an Identity Report stating I have been a victim of Identity Thief. They reply back as if I was filing a dispute and did not fellow the rules that apply when reporting Identity Thief. And did nothing about it.

Company response to consumer: Closed with non-monetary relief