BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Beginning on XX/XX/XXXX I began having ACH transactions reversed from my business checking account to my creditors. All of the transactions listed below were coded incorrectly. All the transactions were coded XXXX Frozen Account when in fact my account was not legally frozen. The bank verbally agrees that my account was not legally Frozen. They ( branch manager and the asst manager ) say account was never Frozen but yet the ACH department gets their information from the bank as to why ACH transactions are reversed. I did make a deposit in the amount of {$2000.00} on XX/XX/XXXX that the bank put a hold on. They say this is the reason for the returns but that does not explain why I had the return on XX/XX/XXXX that was coded as if my account was frozen and furthermore these other transactions should have been coded XXXX uncollected funds not XXXX Frozen account. The deposit in question never should have been held as it cleared the other bank the same night it was deposited but my bank said the funds couldnt be verified. They already had the funds. I have spoken to the branch manager 3 times, the Asst manager atleast 5, customer service 8-10 times, I have filed a complaint and a dispute with the bank. All I need is a letter from my bank stating my account was never frozen and is a valid account. The branch has contacted the legal department and they are not allowed to write a letter for anyone about anything. I have contacted XXXX and spoke to customer service manager who was the first person to understand the ramifications to my business due the codes being wrong. The bank XXXX manager was supposed to call me but I never heard from them. It has been 6 weeks and no resolution. I have no access to my business line of credit, I have to now hand walk my XXXX XXXX payments in person to pay in cash at a XXXX store for the next 12 months and due to the XXXX return I may not be able to get another working capital loan from XXXX for my business. This has greatly effected my business and I am unsure of the future ramifications to my business. This could honestly put me out of business if it is not resolved and I can not access my line of credit or renew my working capital loan. I started this XXXX in XX/XX/XXXX and my account has been with Huntington for about 19 years back when it was XXXX XXXX. Also, none of the transactions show on my account that they were returned or paid and I was not charged a fee for any of these returns. XX/XX/XXXX- XXXX return code XXXX {$240.00} XX/XX/XXXX- XXXX XXXX return code XXXX {$230.00} XXXX XXXX XXXX return code XXXX {$240.00} XX/XX/XXXX - XXXX XXXX return code XXXX {$230.00} XXXX XXXX return code XXXX {$240.00} XX/XX/XXXX- XXXX XXXX return code XXXX {$230.00} XXXX XXXX ( XXXX ) return code XXXX {$200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16
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:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
THE DISPUTED INQUIRIES LISTED ARE DUE FOR REMOVAL OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I receive no less than 4 calls a day from Discover Card, which is disruptive to me and is harassing. I receive these calls starting at XXXX every day of the work week

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've disputed with the credit bureaus for months because the inaccuracies, incomplete, and unverifiable accounts that have been reporting on my account. I would like for these accounts to be removed because they are purposely reporting these account to damage my credit worthiness, could you hold them accountable?

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 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I didn't authorize these inquiries.

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 2020-01-23
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The is a debt collector for XXXX XXXX XXXX, XXXX and is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is violating the Truth and Lending act and has not sufficiently established that it is the owner of the alleged debt The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached a letter to have this debt verified on my verification letter dated XX/XX/2020, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase closed my account and sent a check to me for my balance. 
Now I get a 1099-not showing that I received a bank account bonus and interest that was taken back! 
If I never received the income then I shouldn't have to pay taxes on it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Capio Partners, LLC
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 been trying to get information corrected on my credit bureau report with XXXX  and XXXX. Capio Partners of XXXX Texas are reporting a medical bill dating back to XXXX of 2014 as a new account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
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:
After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 I wrote Experian they failed to reply within 45 days to verify these inaccurate accounts. Please delete and block these negative accounts from my credit report, they are causing serious harm.

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 2021-03-28
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We filed a complaint with the CFPB on XX/XX/XXXX regarding our mortgage servicer, NewRez. We received a response on XX/XX/XXXX from XXXX XXXX of the NewRez Compliance Department. 

XXXX XXXX stated " The loan payment history we have available starts on XX/XX/XXXX through the present date. Unfortunately, the prior servicer, Ditech Financial LLC ( Ditech ) did not provide the life of loan history ; therefore, we are unable to comply with the homeowners request for a payment history from origination through XX/XX/XXXX ''. 

In XXXX XXXX 's response, inaccurate and incomplete Escrow Payment records from XX/XX/XXXX to XX/XX/XXXX were provided. Escrow Payment Records from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX were not included. 

1. Where are the Escrow Account Payment RECORDS including the Escrow balances from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX? 

2. In reviewing the documents that NewRez supplied in their response, there are no ESCROW ACCOUNTING RECORDS from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Apparently NewRez does not have any Escrow Account Records at all from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX because in their reply on XX/XX/XXXX the only Escrow Payment Records that were included were up to XX/XX/XXXX. Therefore what records did NewRez use to calculate the claimed amount of due of {$4400.00} which was filed on Official Form 410S1 on XX/XX/XXXX with the United States Bankruptcy Court for the : Western District of North Carolina? 

3. Why did XXXX XXXX state that " The loan payment history we have available starts on XX/XX/XXXX through the present date '' However she only provided Escrow Account Payment Records up to XX/XX/XXXX and not the present date? Why did she not provide any Escrow Accounting Records for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: FL
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:
I have recently tried to apply for a business loan and was rejected because XXXX, Equifax and XXXX do not have up to date credit reports on my credit file. The last documented credit reports are as follows .... 

XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX I have made several attempts to contact XXXX and never get through to anyone. I have sent them a message and finally received response today and they are pretty much saying the issue is on my end. Which is inaccurate. Even the creditors are seeing the same thing. 

Equifax is stating they can see a recent credit history but won't give details. Even when I login to their site, it says they can not help me and that I need to call the XXXX number to speak with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: DE
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30,60, and 90 days late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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: Personal information incorrect

Complaint:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 5 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company calls from the same number every day. I spoke to them in the past and expressed that I have never done business with them. Each time they want me to reveal personal information. I asked them several times to refrain from calling and to use the US Mail if they want to communicate. They have been calling daily for over 4 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One auto finance let someone use my name to get an auto loan. This account does not belong to me i have tried to contact the company i have submitted an identity theft report and Capital One keeps verifying that this account t belongs to me. The account is reporting as closed.i have tried to dispute this fraud the the bureaus but capital one keeps verifying this account. I should not have to go through this the FRAUD is ruining my name. I have a family. i have done everything that i can do i am fed up. XXXX, XXXX and XXXX is not helping my situation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017 i sent a dispute letter. Grant & weber did not respond and the account was only on my XXXX  credit report and is now on my XXXX credit report as well. I do not have a contract with this company. The amounts are XXXX and 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 2021-01-28
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I was set up for an introductory meeting with a Mortgage Banker from Quicken Loans, that was set up as a referral from my co-worker. The call started at XXXX MT and immediately the Banker, XXXX XXXX ( XXXX XXXX XXXX  ) started asking me questions about my current mortgage and gathering information from me he needed to qualify me for a refinance. He asked for my Social Security Number and said it was so he could see my current loan information ( outstanding balance, rate, etc. ). He proceeded to ask more personal questions. I stopped him and asked if he was planning on doing a hard or soft credit pull - he proceeded to tell me that " he has already done a full credit pull ''. 

I contacted credit disputes at Quicken Loans and they said they will not reverse the credit pull. 


I never approved a credit pull. I've never refinanced ( I was a first time homebuyer in XX/XX/XXXX ) and never worked with Quicken Loans. I feel taken advantage of by cut-throat sales tactics fear the long term loss of buying power as a strong lender created by a lower Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: M&T BANK CORPORATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, M & T Bank accepted a completed form to request automated payments to the HELOC. They have never initiated the automatic payment service and they continue to send bills that are incorrect and show additional money due. M & T is also charging late fees for the amount that they claim has not been paid. In the mean time the correct payments are being made each month. The minimum monthly payment is about XXXX, the fees are XXXX per month, payments of XXXX per month are being made but the bank still claims the payments are not adequate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28
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: Their investigation did not fix an error on your report

Complaint:
On or around XXXX of 2019 I submitted documents to both XXXX and TransUnion regarding a bankruptcy being reported to my credit. I submitted proof from the XXXX XXXX they DO Not report to credit bureaus. The bureaus insisted that they recieved the information from the courts which was in fact false. Also, the bankruptcy is reporting as a name other than my own. The bureaus have yet to remove this item from my report. The Bankruptcy is not reported on XXXX and XXXX sent documentation to both. They have refused to comply as detailed in law regarding credit agencies reporting public records.

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 2021-03-28
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX I filed my initial dispute requesting for investigation and shows nothing was done. Then on XX/XX/XXXX sent another investigation sent in a request for investigation and if go pass 45 days threat to file a complaint and then 60 days request to file a complaint and still NO INVESTIGATION was performed. I am aware that due to the pandemic the bureaus have 60 days ; however it has surpassed that time. I am now requesting REMOVAL of the derogatory, inaccurate erroneous accounts immediately. Attached are letters from my initial dispute and the 45 day request and then the 60 request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear CFPB I am seeking help, my rights have be violated as per 809.Validation of debts Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 809 by TRANSUNION & XXXX XXXX XXXX. I sent a letter of validation in response to the letter notice of payment by XXXX XXXX XXXX XX/XX/XXXX I sent the response letter on XX/XX/XXXX and have not received a response back as per 30 days. I sent a second letter of non-response XX/XX/XXXX. XXXX XXXX  XXXX failed to respond to my letter and has since now to put erroneous and inaccurate information on my credit report. XXXX XXXX  XXXX has failed to report to XXXX that this matter is in dispute and by law can not pursue any credit reporting agency until the matter is resolved. XXXX XXXX XXXX   has not validated this debt as per required by the fair credit reporting act section 809. I  have Proof and certified mail of the timeline which shows the violation. Since they are violating the law and have not proven that this debt is mine I am requesting that all information passed on to any credit reporting agency should be removed.

THIS ACCOUNT HAS NOT BEEN VERIFIED. PROVE IT. 

I HAVE ALREADY DISPUTED THIS SAME ACCOUNT WITH TRANSUNION FROM XXXX XXXX ( XXXX/XXXX ) ACCT. XXXX TRANSUNION HAS DELETED THIS " Between XX/XX/XXXX and XX/XX/XXXX, your credit card with XXXX/XXXX was removed from your credit report. '' FILE NUMBER XXXX ( DATED 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 explanation