BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021 I received a payment from an user name XXXX XXXX for a transaction we made on a platform in XXXX, she transferred {$700.00} as she supposed to, she also sent money to other people I know who uses that platform. On XX/XX/2021 I noticed on my bank a hold for that money, when I called the bank the bank fraud department told me it is because she is saying someone stole her identity and made those XXXX payments, how is it possible that the bank more than a month later allow someone to claim such a thing without even a police report or something. So basically at this point I dont have my money and that person could have performed a perfect fraud to me and the bank is not protecting my assets correctly cause all they tell me is there is nothing they can do. This is gross negligence they are saying that if they notice that someone made a transfer from an IP address that is not the ones they usually use they are giving the claim to them. So technically if I use the phone of someone I know and make a transfer and then call the bank and say hey I was victim of identity theft they will just simply give me back my money cause the money was not sent from my common ip addresses? That doesnt even make sense. I am not the only person I know who has suffered from this scam in the past couple of months and the bank seems to not care.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NV
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern : I have been with the company since XXXX XXXX i have had 3 accounts with you guys all in good standing during that time, I have enjoyed our experience with XXXX XXXX XXXX, greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on the above reference account before covid-19 i was an exceptional customer, hopefully the Carest Act, also i have experience a death in my immediate family I would like to reconsider removing the negative payment history from my credit report .At the time of the late payment my hours were cut short so I went from working XXXX unexpectedly. This is not to justify why the payments were late, but rather show that the late payments are not a good indicator of my actual credit worthiness. I hope the XXXX XXXX XXXX is willing to work with us on erasing these marks from my credit report. 

I have been a very happy customer in the past. I hope to continue a long relationship with XXXX XXXX XXXX with today 's industry being so competitive. I know how important it is to keep a good relationship.I highly recommend it to all my friends. I look forward to your reply. 
Thank you in advance. 

In accordance with the fair credit reporting act XXXX  account XXXX  XXXX, has violated my rights 15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section2 : It also stated that consumer reporting agency can not furnish account without my writing instructions 15 usc 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
-UNRECOGNIZED INQUIRIES- 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 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent your office a notice and you have violated my federal consumer rights. Notice, it is a fact that I am a federally protected consumer. So now, this is my second and final request of compliance. If within, 30 days TransUnion fails to comply we will have to handle this in court. Notice, it is a fact that I know it is a crime to threaten a lawsuit if I don't intentionally plan to do so, so please take this matter very seriously.

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 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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, XXXX and XXXX of 2017. I was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: TX
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX # XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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. 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.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2017-07-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made a phone call requesting a replacement debit card for my lost card. I received the new card on Monday XX/XX/XXXX at XXXX. I activated over the phone that night. The next morning I tried using the new card it was declined. I called Citibank and I was told I would be sent another card. I then went to a close branch on XXXX XXXX XXXX XXXX and was told I could not withdraw any money from my account. I am actively being denied access to my money. I have XXXX children to take care of and I need my money.

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 2021-03-02
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied in XX/XX/XXXX with existing mortgage company NewRez for rate/term, was told XX/XX/XXXX that it was clear to close. no calls no responses to inquiries until mend of XX/XX/XXXX. Final CD never sent for review. When CD was sent it was incorrect. Processing manager reached out for clear to close call and to set up closing. NO final CD sent, closing was no call no show. No one at lender responded to any emails or calls. Closing was supposed to be for first week in XX/XX/XXXX. Closing agent from title company calls on XX/XX/XXXX out of now where and says they will be there to close. No final CD has been given to me in advance, at least not one that resembled what was told to me, and no advance notice on closing. When speaking to lender on XX/XX/XXXX and title agent, based on their recommendation we rescheduled closing for XX/XX/XXXX so i can " skip '' a couple payments instead of paying an entire month of per diem interest ( or so it was sold to me this way ). XX/XX/XXXX roles around and no call no show again. When I get Operations and Sales Manager involved, come to find out I am now back in underwriting AGAIN because of a credit pull and supposed collection ( which was also on the original report ) again. Literally sat on the file for a week and waited until 10 minutes before closing to tell me this. The practices of this lender have resulted in numerous TRID violations, not to mention the appearance of multiple unfair, deceptive, and abusive practices. I would have to imagine this treatment is not reserved for only me, but others are experiencing it too. In addition to the above, no one could give me a correct LE or CD based on what I was told i advance and once they actually did they cancelled closing. It appears not only are they trying to waive the lender credits and rate promised to me, they are actively working to discourage this application for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: FORD MOTOR CREDIT CO.
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: Problem with personal statement of dispute

Complaint:
I find the Consumer Finacial Protection Bureau Complaint Number XXXX response from Ford Credit rude , suggestive, derogatory and favorable to their affiliate XXXX XXXXXXXX XXXX  with admitting of participation in illegal activity. If there is something I have done, I think everybody should bring it out in the open. 
Here is the complaint revised. On XXXX XXXX XXXX I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I was never given a form to sign stating who I am applying for a car loan with. I was though given a piece of paper to sign labeled XXXX stating that XXXX XXXX XXXX XXXX is helping the government to fight terrorism and I would need to show my diver license to identify myself. Remember I was only shown document labeled XXXX and I will solemnly swear under oath and with a lie detector to that fact. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan likening. I finally got up and headed home. When I returned home, I seen that there were seven banks on my XXXX account that said I applied for credit with them. XXXX XXXX XXXX XXXX was the only place I visited on XXXX. I also see that XXXX XXXX XXXX XXXX a system from a company called XXXX XXXX XXXX XXXX. They say their service provides car dealers with a credit score so that the car dealer can make a loan offer. So why the other seven bank loan applications that I was not informed of by paper or word of mouth. I know with my experience in going into car dealerships that the car dealership has the consumer sign every piece of paper shown to the consumer to prove that every piece of paper was shown. Can Ford Credit provide the only legal way of giving permission for this credit application of a signature on that letteral page/paper?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: OK
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:
My account with XXXX XXXX XXXX was originally showing paid as agreed after a payment extension was granted to me and an additional payment was received. On XX/XX/11 my mortgage company pulled my credit report which showed paid as agreed. I am in the process of trying to buy a home which I was supposed to close on this month and now may not be able to. XXXX XXXX XXXX is now reporting to the bureaus that I was 90 days late for the months of XXXX and XXXX and it has removed my payment for XXXX that had been reporting current and is now not. 
Not only is it reporting inaccurately and is representing false information since I have NEVER been 90 days late, it is also showing I am passed due XXXX which is also a lie as that payment has been made and was never late. 
I am at risk of losing my mortgage approval and feel this is an injustice to me as the way they are reporting and their reporting practices are severely unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Cawley & Bergmann, LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from Cawley & Bergman. After attempting over ten calls weekly, I could not speak to a live person. The recording asked to leave a name and phone number. After making a few phone calls directly to the creditor I was able to confirm that the account Cawley & Bergman states it's mine is incorrect. I have attached my communication with the original creditor. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00}.

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
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a formal complaint against TransUnion regarding their inaccurate reporting of an XXXX account on my credit report. I believe that this reporting is unjustified and violates the Fair Credit Reporting Act ( FCRA ). 

I received a copy of my credit report from TransUnion, and to my surprise, I discovered that an XXXX account was listed. I would like to point out the following issues with this account : Lack of Business Dealings : I have never conducted any business or entered into any contractual agreement with XXXX. There is no history of any written or verbal contract between XXXX and myself. 

No Outstanding Debt : I do not owe XXXX XXXX XXXX any balance. The account in question with XXXX XXXXXXXX XXXX  was closed, and there are no outstanding debts or balances associated with it. 

Unauthorized Reopening : TransUnion reopened the account with XXXX without notifying me or seeking my permission. This unauthorized reopening is in direct violation of my rights as a consumer. 

Missing Disclosures : XXXX has not provided any written disclosures with my signature to support the validity of this account. As a consumer, I have the right to receive written documentation regarding any debt, especially one that negatively affects my credit score. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my credit report. I also ask that TransUnion correct this erroneous information and provide me with a revised credit report that accurately reflects my financial history.

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 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This credit card was written off because CaptialOne listed me as deceased. I am very well, I'm not dead. The this is why this negative remark on my credit report ( all three credit Bureaus ) is fraudulent. I want it removed from my report as it has affected my credit score. I've already filed the report with the credit bureaus and they are choosing to side with CaptialOne. I've also filed this complaint with CapitalOne and they have admitted that it is there fault and are working to have it removed. The information is below. 


Account name CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$390.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$500.00} Highest balance {$550.00} Terms NA Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage Servicers charges me {$5.00} to make a payment using their online system. When they put it on my account statement they classify it as a late fee for {$5.00}. 

They continue to do this every single month. For my latest mortgage payment that was due on XXXX, I paid the mortgage on XX/XX/26 and they called the {$5.00} a late payment on my statement. What it actually was, was a payment processing fee that they are charging too much for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 2014 I was advised to consolidate my loans, including my parent plus loan. Because of the negligent advice I am now unable to qualify for a lower payment with the income based payment plans.

Each time I call XXXX XXXX I am told something different by different agents. It is very frustrating and I finally had to pay a nonprofit debt service to help me and give me sound advice about my student loans.

I feel that the agents at XXXX XXXX  need proper training.

The error of consolidating all my loans is a difference of about a {$400.00} to {$700.00} dollar a month more in payments. I just want to get my payments down to an affordable amount.

I recently was told to re-consolidate my parent plus loan and now my new payments went from over {$1000.00} to {$1300.00}. How is this helping me lower my payments if it has now gone up by {$300.00}.

Please contact me about this issue because I have more horror stories about the untrained agents as well as recordings of them giving me inaccurate information.

Company response to consumer: Closed with explanation