BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: Valon Technologies, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
What happened : On ( XX/XX/XXXX ), I Spoke with a supervisor regarding my insurance. I explained that I was able to find a lower insurance premium that I would like to purchase. This insurance needs to be purchased directly from us. We were told that he would allow us to purchase this insurance but we needed to complete a form so they could approve it. We ask if we could go ahead and purchase this policy because it is only valid for that day. He gave us permission to purchase this policy. Now we received an email communication stating the removal of the insurance from escrow was declined. We already spoke on the phone regarding the 80 % XXXX  from initial purchase. He said he would approve it for the exception of the insurance but not the property tax. 
We agreed and he said he would send us the form and we could go ahead and purchase the insurance that day. I asked several times to make sure we were clear about the decision to purchase the insurance. There is a recording of the conversation. 
I feel I was misled, and wrongly informed to go ahead and proceed to buy the insurance. 
In XXXX, Valon was late in paying my property tax, and XXXX XXXX kept contacting us and sending us notice with late penalty fees. We had stress during this time caused by this issue. In my experience the idea behind an escrow account is to eliminate these issues from the customer. However, this was a very stressful event for my husband and myself. I still have the letters from XXXX XXXX stating that our payment has not been received. We were very upset, and nothing was done in return to make up for this stressful event that was clearly Valons fault. The only thing we received was an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX system did not correctly update or accept the correct reporting from XXXX a XXXX XXXX. XXXX is INCORRECTLY stating that i was late with my credeit card payment in XXXX and XXXX of 2021. I called XXXX  a XXXX XXXX, and it was confirmed through staff there that I did NOT, indeed, miss a payment. There had been a mistake with XXXX. My credit report with both Equifax and XXXX is XXXX points higher. This is a problem with Equifax. I am demanding that my information as well as my score be updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There are currently 9 inaccurate late payments reported on my credit for multiple loans which have all been reported on my credit reporting/affected my credit score. These negative reports were for supposed late payments on XX/XX/XXXX and XX/XX/XXXX. I was XXXX  in a XXXX XXXX program from XX/XX/XXXX until XX/XX/XXXX and thus my payments were deferred. I have attempted to rectify the issue with the lender multiple times ( at least 5 ) in XXXX and there was no resolution. I submitted proof of XXXX  as well as what is reported on my credit report and they said the information was accurate with no explanation as to why or acknowledgement that I was in fact XXXX  XXXX from XX/XX/XXXX until XX/XX/XXXX. Before XXXX school, I had never missed a payment.

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 2023-11-04
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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: TX
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX A Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-02-28
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/XXXX2023 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Virginia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts have been reported incorrectly and I would like them to be investigated and corrected : XXXX XXXX XXXX XXXX : Late payment account ( XXXX ) XXXX : Charge off account ( XXXX ) XXXX XXXXXXXX : Charge off account ( XXXX ) XXXX XXXX : Charge off account ( XXXX ), Charge off account ( XXXX  ), and Charge off account ( XXXX ) XXXX XXXXXXXX XXXX : Charge off account XXXX XXXX ) XXXX XXXX : Charge off account ( XXXX XXXX, Charge off account ( XXXX ), and Charge off account ( XXXX ) XXXX : Charge off account ( XXXX ) XXXX XXXX XXXX XXXX Collection account XXXX  XXXX ), Collection account XXXX XXXX ), Late payment account ( XXXX ), and Late payment account ( XXXX ) XXXX XXXX XXXX XXXX Collection accounXXXX ( XXXX ) XXXX XXXX : Collection account ( XXXX ) I believe that some of these accounts may have been reported in error or contain inaccurate information. I would appreciate it if you could investigate these accounts and correct any errors that you may find. 

Please provide me with a written explanation of the results of your investigation and any actions taken to correct these errors. Also, please provide me with a copy of my updated credit report once these corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-04-12
Company: UHG, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstafements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There has been a huge miscommunication between XXXX XXXX AND XXXX  ( XXXX ) I have a XXXX balance turn in al my equipment and no longer have any contract whatsoever with either company. I dispute this debt. I was current and paid off, 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 2023-03-01
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:
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Having gotten furniture with an ex significant other, the relationship did not last. All payments were made on time up until the split. When the split happened i was the on who moved out and my ex kept the furniture. 
I contacted the company after this ordeal and informed them to come get their product as i was no longer going to be in need of it. I gave Conns the address and contact info for my ex. 
They did not go collect product nor attempt to contact the other involved. 
They continued to bill me and sent contract into collections where they made some sketchy changes to the payments made/received on my account before sending to collections. Odd payment amounts for interest bearing and longevity. not professional. 
the fact they did not contact me or the ex to set up time to retrieve product and continued to charge/bill is bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a XXXX account. I 'm trying to move one from there to my bank account. So far, I get a message saying that my banks ; TD Bank AND XXXX XXXX will not enable external apps and I can not transfer money into those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Santander Consumer USA Holdings Inc.
State: PA
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 have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me at least twice a day, and sometimes 3 or 4 times a day, every day of the week. They far exceed the 7 calls they are permitted to make every week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
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:
Have been receiving calls daily from Cash Central requesting my information such as ss # and address. I repeatedly told them I have not ever done business with them and to not call me. Calls persisted. They even contacted my brother to ask me to call them. 
Today received email from credit monitoring to review my account due to activity. I noticed XXXX with a balance amount of {$3800.00} which I never took out. States on report that account was open on XX/XX/XXXX, 2017. Once again, I never took out a loan or have dealt business with this company..

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 2021-08-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a dispute of items that were alleged to belong to me to Experian, XXXX, and XXXX. It has been past the 30-day time frame outlined in the FCRA 611 ( 15 U.S.C. 1681I ). This is unacceptable I and this inaccurate information is staining my credit report, which I've worked hard to build. I'm not sure, but the alleged items could be linked to the XXXX  data breach are. I would like this information removed immediately per the law or I will instruct my attorney to proceed with filing litigation to remedy this problem.

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 2023-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting 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:
I have XXXX inquires on my XXXX credit report that I do not know anything about I have report this to the XXXX credit company and there is know action taken place my wallet was lost by XXXX XXXX XXXX police department and my information was taken by somebody and it has been use still today their useing my identity

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 2023-04-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am unable to transfer funds from my USAA checking account to an already linked and approved external account. I've been able to previously transfer funds to this account, so I know it worked at one point.

I always get an error message saying I can only transfer less than {$35.00}. I have called in multiple times, chatted, DM 'd USAA on XXXX. Via phone, they just bounce me between departments and say it's another departments responsibility/area. 

I have contacted USAA several times within the last few weeks. 

I've tried via a laptop and my phone, neither work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had applied for a refinance loan from Bank of America ( BOA ) with loan number of XXXX. I applied the loan on XX/XX/XXXX and BOA had the first loan closed date on XX/XX/XXXX. I always provided the document request within the same day or next day and never being late. BOA never notified me the status only if I called and most of time no response. BOA has been continuously asking the same information again and again ; BOA even asked a closing statement which is a property that I had sold 4 years ago ( by real estate law I am not required to keep document for more than 3 years old ) and the property is totally irrelevant to the loan. On XX/XX/XXXX which is 5 days before the original closing date, I can BOA to ask my status, the mortgage broker told me my application was declined by underwriter for no evidence of primary residence and ownership. Then I asked the broker why the underwriter never asked me to provide the utility bill, car registration, bank statement to prove my residency but directly to decline my case. The broker said this was totally wrong. Within the next day, I provided the said document volunteering to BOA to ask why my case was rejected on XX/XX/XXXX. 
No one including the manager can not provide me a reason and do not want to provide the listed questions that I want BOA to answer. BOA just continue to ignore me and not allow me to know my status of application. On XX/XX/XXXX, I called the manger to indicate that BOA 's rejection my loan is violation of Fair Lending Act not just basing on my age, my ethnicity and continuous harass me with irrelevant document request. The manager told me he would review my case but it turned out to be today, BOA is asking me to provide a " Notarized Attestation letter '' to explain why the subject loan property is the primary property. I wrote back to BOA by email to explain the reasons why I moved from the previous address to the current address. To me, there is no loan company has been asking me to provide " Notarized Attestation '' Letter only BOA trying continuously to make me frustrated and hard time to the loan. I think this is a discrimination against me personally but not a fair lending because I ask BOA manager to provide me the BOA lending guideline why I need to provide a " Notarized Attestation '' but not an explanation letter. BOA again rejected to provide the details. It let me feel BOA is treating me not just like a criminal but also a serious discrimination against me.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 had an account with XXXX that was charged off in 2022 and sold to a collections agency, I settled this debt in 2022 with the collection company, however the original creditor is still reporting this debt as charged off and unpaid. This is greatly affecting my credit score and violating my rights.

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 2022-12-25
Company: Experian Information Solutions Inc.
State: AZ
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:
Hello I sent a letter on XX/XX/2022 to the XXXX Credit Bureaus : Experian, XXXX and XXXX. The letter was sent via XXXX XXXX mail and the tracking number is XXXX XXXX XXXX XXXX XXXX XXXX I asked them to remove my personal information that is inaccurate on my credit report. They have multiple old addresses on file that do not belong to me as I do not live there. 

According to the fair credit reporting act 12 USC 1681, I have the right to privacy and also according to 15 USC 6802, no financial institution is supposed to share my information with third parties.

These are clear violations of my federally protected consumer rights.

I have attached the letter I sent them as well as proof of identification and proof of my current address. I have also attached my identity theft 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 non-monetary relief