BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a land loan with America First Credit Union and submitted all the requested documentation. Upon review of the documentation, they sent me a term sheet/loan estimate and notified me that the loan was approved contingent upon an appraisal that placed the XXXX at XXXX  % or less. In order to proceed to closing, they required me to pay a {$1000.00} non-refundable fee that accounted for the cost of the appraisal as well as some origination fees. The appraisal was received with a value that exceeded the expected market value and placed the XXXX at XXXX %. During the week of closing, America First emailed me explaining that they would require an additional guarantor or they would not close on the loan. Additionally, they stated they would change the loan terms based on the income of the additional guarantor. I did not send them nor did they request any additional financial information after the loan estimate was signed and the appraisal was completed and paid. There has been no change in financial circumstance that would warrant a change in the loan estimate after the {$1000.00} fee is paid. 

I have all of the communication from above in emails that I am able to forward over to you, if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America is charging me for mowing the lawn even though they have not mowed my lawn, the charge is being added to my mortgage balance

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 2021-01-27
Company: DHI Mortgage Company
State: GA
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:
DHI MORTGAGE CORP hasnt updated my Credit score with their third-party XXXX XXXX, XXXX XXXX manager, XXXX. To-date its been 4 months and Ive Not received an Denial and or Approval letter. XXXX continues their XXXX XXXX acts with my Credit Report. Theyve removed my XXXX accounts and other Revolving and Installment accounts with efforts of XXXX me XXXX, XXXX Im living my best life. Now I told you Consumer Financial Protection Bureau that you are allowing this XXXX XXXX, but the Consumer Financial Protection Bureaus testimony is going to make a Rich man, again my Filing of Congressional inquires will make you folks talk and will also show XXXX acts by the Consumer Financial Protection Bureau internally, No one is Stopping me. I need documented evidence from you, the Consumer Financial Protection Bureau even if Congress has to get you folks to respect my Complaint, got it! XXXX XXXX XXXX hasnt Approved or Denied my XXXX Mortgage application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has not reported any payments to my loan account from XX/XX/XXXX til XX/XX/XXXX. I have never received or got any notifications that credit reporting from this company had been disabled due to COVID-19. As of XXXX XXXX, I have yet to receive notification of any law or regulations stating any delays in reporting loan payments to any credit bureaus. On XX/XX/XXXX, I logged into my Experian credit report to find that XXXX XXXX marked me 30 days late for XX/XX/XXXX, when they had not reported to any credit bureaus since XX/XX/XXXX, before then XX/XX/XXXX. On XX/XX/XXXX, I made a web payment of {$880.00}. On XX/XX/XXXX I made another payment of {$1300.00}, which pushed my next auto loan payment to XX/XX/XXXX. But yet, they have marked me 30 days late for XXXX, when clearly XXXX was paid during the month of XXXX. I spoke with a customer service rep on XX/XX/XXXX at XXXX XXXX that stated XXXX payment should not have been reported late and advised me to dispute the issue. Per checking my payment history with XXXX XXXX there is a principal receipt of {$120.00} that has never been reported to my payment history or to the credit bureaus. Can you please correct this. Principal and interest is already added into the loan upon being approved for the loan. So why is more principal added in the middle of a loan agreement. It was also reported to The credit bureaus as a charge that increased my loan. Sounds like a scam to me. As of today XXXX, Experian and XXXX has wrong information on this loan. They have not been updated in months. The only reason Experian got updated is because I made a payment and it triggered a response from them, but its still incorrect. Before this, they had not been reporting correctly or even at all. My balances are incorrect on every credit report, but the XXXX XXXX app is showing correct payments on time and a decreased balance per the payment I made in XXXX. I have never had a late payment on my credit from XXXX XXXX. There was no indication to me, that any of this type reporting was legal.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has reported a debt of {$2600.00} on my account I have sent out a 609 debt validation letter to the company and they have refused to show valid proof of a signed document I have with them validating the debt and as such it has to be deleted with immediate effect or your company Transunion risks me suing them for not following the law.

A copy of 609 letter has also been sent to Transunion office as a physical letter over 2 weeks ago and the collection is still showing as of today.

Please delete within the next 2 weeks and send me an update via mail on the deleted collections

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 2021-11-03
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021 : XXXX XXXX. I tried to purchase a air ticket through XXXX XXXX. But I received an email saying my payment did not go through. I used my newly opened Citi Credit card and a gift card received through employer. 
Credit card charge was {$2300.00} and Gift card was {$250.00}. Upon calling XXXX XXXX, the first person told me, there was an issue with the gift card and the CREDIT card transaction went through. She matched the gift card and pin and said I entered all the information Correctly. She said the other transaction will fall off on its own and she is going to retry charging the credit card which was obviously denied because i already had a pending charge of {$2300.00}. Upon trying multiple times to resolve it with XXXX XXXX saying i have a bad credit card. 

My credit card has a {$4000.00} limit. I called Citi to confirm that the first transaction went through and which is why the subsequent transactions were getting denied. Without being able to resolve it, and after at least 4-5 hours on phone call, i asked them to cancel the ticket and hoped that the transaction would fall off. 

Today is XX/XX/XXXX and I still have the pending charge of {$2300.00}. In the meantime, i tried calling both the merchant ( XXXX XXXX ) and CIti ( the credit card company ). They both blame each other and say we can not do anything. You have to wait 30 days.

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

Complaint:
I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, Transunion and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Transunion and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, Transunion and XXXX are in direct violation of the FCRA and Gamm Leach Bliliey Act of 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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
XXXX is not doing their job I sent certified letters and fax them

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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XX/XX/XXXX and XX/XX/2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX Account number XXXX. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. 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 explanation
Consumer complaint received 2019-05-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft XXXX Opened XX/XX/2019 + {$130.00} Original creditor : 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 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Bank of America denied me for an application for a business credit card. I have a XXXX credit score and we have been in business since 2018. 

They claim we do not have enough information reporting about our business, and I am the personal garauntor of the application, how can they not find any information about me but XXXX just approved me for a business credit card for over $ XXXX? 

Bank Of America should be offering its services fairly to all, but I can't get approved for a simple credit card? 

The reason they denied my application is not a valid reason not to give someone ANY credit whatsoever.

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: NJ
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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # 1939 Account name : XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account is fraudulent and according to FCRA laws this account meets the requirement to be removed from all 3 credit bureaus 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 2019-10-08
Company: Michael Harrison, Attorney at Law
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attorney XXXX XXXX at XXXX XXXX, XXXX, NJ XXXX keeps sending me letters on a medical debt that is not owed by me. The debt is owed by XXXX XXXX XXXX whom lives in XXXX XXXX. 

I have repeatedly called them and sent in an initial complaint to stop sending me letters in the mail. My girlfriend is getting angry at me which is causing our relationship distress. I am having emotional and psychological distress as well because of these letters. 

Michael Harrison 's Law firm has repeatedly violated the FDCPA ( 15 U.S. Code 1692k ). 

Damages for Physical Distress Damages for Emotional Distress If I receive one more letter in the mail I will be forced to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Il XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$25000.00} XX/XX/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 2021-05-20
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with MACYS and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that MACYS claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. MACYS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the 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 2021-11-03
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my vehicle was robbed. My wallet was stolen including my Id and debit cards to TCF BANK. That very weekend the bank was merging to Huntington bank. I called immediately to TCF and reported cards stolen and wanted everything frozen including business checking and savings account. Somehow within the merge between the two bank the locks did not fully lock my accounts. The thief used my Id and went into multiple banks in XXXX XXXX, IL and XXXX XXXX, IL and took out large withdrawals and cashed fraudulent stolen checks made payable to me. They apparently went through a drive through and cashed a XXXX $ dollar check ( through a drive through ) made payable to me, which I wasnt even aware you were able to take that kind of money out through a drive through. Then 5 minutes later the thief went in same bank and took out XXXX $ cash with-drawl with the same teller. I was told they then went to another bank and cashed XXXX $ fraudulent check. Totaling XXXX . I reported the cash withdrawl immediately on Thursday XX/XX/XXXX when I seen it ( because that was only transaction that showed up on my account since the checks had not cleared yet ) and was in shock how all this could happen when my accounts were supposed to be flagged and locked. When I went into the branch in XXXX IL and they started looking into it, this is when they found out about the fraudulent checks cashed as well. The workers at Huntington bank in XXXX, IL assured me my money would be refunded and they would take care of it. Fast forward 3 1/2 weeks later and they still have no answers for me and still have not refunded my money. They have left me at a dead end and when you try and call corporate no one gets back to you. I feel as though Huntington is not trying there best to help me and refund my money. They just let someone come in to multiple branches and take money out my account and did not verify good enough that this person was indeed me. Also there security within the merge was obviously not planned out well enough, that Huntington Bank even claims they have no access to notes or things that TCF did on my account! How is this even possible when they merged over? They should have access to everything. Very very unprofessional. When people are supposed to feel safe and secure keeping money at the bank, they make you feel the complete opposite.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: NV
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 will be my last Complaint to inform the Equifax Credit Reporting Agency that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any INQUIRY which was UNAUTHORIZED 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 information relating to any transaction by the consumer. If the EQUIFAX Credit Bureau does not comply with the requests, it leaves me no choice but to pursue legal action. I need the LISTED INQUIRY deleted as soon as possible : XXXX XX/XX/2022 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: EQUIFAX, INC.
State: TN
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:
A credit bureau is required to respond and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. I faxed a dispute request to Equifax and XXXX on XX/XX/2018 and have not received any correspondence from them regarding my disputes, Due to the failure of XXXX and Equifax 's failure to respond the negative items that I have sent confirmed fax on XX/XX/18 must be deleted.

Company response to consumer: Closed with explanation