BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I, the consumer pulled my consumer report and notice some unauthorized inquiries on my report. I called TransUnion, XXXX, and XXXX  stating that the following inquiries were unauthorized. These companies are in violation of 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. No consent is identity theft. Pursuant to 15 U.S. Code 1681c-2 this information should be blocked as it is a result from identity theft. Pursuant to 15 U.S. Code 1681n ( 1 ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; meaning I the consumer am owed XXXX per inquiry as each inquiry is a violation. 
I did not consent to, authorize nor benefit from any of the following inquiries. Please block and remove the following inquiries from each bureau. 
TransUnion XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 negative items on my credit report I also have disputed these items in XXXX and I have not seen any changes or notification as to why these items are on my 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
Consumer complaint received 2022-02-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is my second complaint against Chase. This is not a duplicative complaint. My first complaint was regarding depositing a valid state government check from EDD, and Chase egregiously placed a two week hold on my funds. My valid state check is unemployment insurance that I am legally entitled. There was absolutely no reason to place a two week hold on a valid state check. I was then instructed by Chase to call the Hold Department. I was on hold for over three hours and never got to an agent. I attached a screenshot of the excessive hold time as supporting documentation for my first complaint. Two weeks later, Chase removed the hold and I received my funds. For my second complaint, I then deposited more checks from the same issuer : the state of California. Chase again, placed a two week hold on my funds. Why is Chase placing another two week hold on a valid check from the same issuer previously deposited and cleared? I have no history of bouncing checks. I am now going to leave a negative review against Chase on XXXX and XXXX reviews. If I had known in advance that Chase would place a two week hold on a valid government check, I would have never deposited my checks. I would have taken my business elsewhere. To do this to a customer during a deadly pandemic is incomprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX to SunTrust Mortgage ( now Truist ) effective XX/XX/XXXX. My loan has escrow for taxes and insurance as confirmed on my closing disclosure as well as my escorw analysis received from XXXX on XX/XX/XXXX. However, SunTrust failed to pay my Summer Taxes due and payable in XXXX and it appears they have no plans to pay my winter taxes either due and payable by mid XXXX. It appears they have a loan boarding issue as you can see from the screenshots as the system shows my next Summer tax is due in XX/XX/XXXX ( its past due for XX/XX/XXXX ) and my next winter tax is due in XX/XX/XXXX by it indicates ( mock ) and amount due as XXXX ( taxes are over XXXX ). Now there are outstanding fees and penalties for the late taxes from XX/XX/XXXX. As indicated in XXXX ( k ) of XXXX XXXX, the servicer is responsible to pay escrow items on time to avoid a penalty as long as I am current. I've been current the whole time and they did not pay my taxes ( XXXX failed to pay my insurance timely in XX/XX/XXXX and I let that slide ). As a regulatory myself, I can't help but think how many other consumers are also affected by this error and have no idea how to make sure this gets corrected without fee 's being assessed to them. I am sure XXXX and Suntrust will point fingers at each other meanwhile the consumer who does what they are supposed to is harmed.

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 2017-07-27
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:
Defamation of Character and credit worthiness!!
In efforts to regain custody of my life and credit I have begun my process of rectifying inaccurate information on my reports. I have sent multiple letters and placed many phone calls to solve these issues with no success. The law is very clear as to the civil liability and the remedy available to me under FCRA section 616 & 617 if you fail to comply with federal law.
Accounts : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( XXXX ) should be one inquiry XXXX XX/XX/XXXX XXXX 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
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EXPERIAN was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXXXXXX 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 2021-03-08
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance at the end of XXXX where I was quoted 2.0 %. I accepted that and had several disclosures with the amount of 2.0 %. Several weeks went by and I did not hear from them at all. After emailing several times Jump to mid XXXX and it went up to 2.25 % when I asked why the jump, the lender told me he didnt know why and that it shouldnt have happened. He was going to get it changed with his manager. Weeks pass and Im emailing several times a week to see what is happening. This past Friday I get an email from the lender stating that he is still waiting for management and that we should be able to close this week. Today, Sunday XX/XX/XXXX, I get a phone call from the lender stating that they wont be able to get me that percentage rate, not even the 2.25 % and that they will probably have to add more points to the loan then already mentioned before. The lender was apologetic and said that he was sorry because he had to call a lot of people today to tell them the same thing and that management was telling him what to say. He also stated that he had no control and was out of his hands. I have tried to reach out to management, but no answer. I missed other opportunities with other lenders because Amerisave stated they will give me 2.0 %. Now I cant refinance because rates are back up.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TRANSUNION was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2018-06-04
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:
My wife and i went through a financial hardship due to her being pregnant fall of XX/XX/XXXX. We went from two incomes to one. As a result we were a few days late on payments a total of 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Besides these times we were on time for the prior 10 months. This damaged our credit and will possibly impede on our chances and rates on getting a home. We reached out to the bank and they responded saying they do not have a forgiveness procedure. 

Account- XXXX XXXXXXXX XXXX XXXX Dispute - late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature- seeking forgiveness due to hardship resolution- reflect late payment statues as current/paid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: SYNCHRONY FINANCIAL
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. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-19
Company: NCB Management Services Inc.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had an account with them. I got laid off wasn't able to make payments. Couple months later they sold my account to NCB Management services without notifying me now i have a collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: RSH & Associates, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my credit report I noticed accounts from RSH AND ASSOCIATES placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medical information to RSH. I requested FULL documentation of what was received from the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. RSH has NOT complied AT ALL with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Signed up for Kabbage checking account offering a { {$300.00} } cash bonus if terms are met. Earn a {$300.00} cash deposit into your Kabbage Checking account after you complete a total of 5 debit card purchases within 60 days of account opening. ( You must apply and be approved by XX/XX/2021. Terms apply. ) Opened Account on XX/XX/2021. Met the terms of the promotion on XX/XX/2021. Terms state bonus will be deposited 8-12 weeks after account opening and after meeting terms. XX/XX/XXXX bonus should've been deposited per the terms. Called in XXXX and said it would be deposited in 2 weeks. Called in XXXX, said it would be deposited soon. Called XXXX and said it would be deposited end of XXXX. Called today XX/XX/XXXX and still not sure when. Have to confirm with business team. False advertisement and not following terms of the promotion. I just want the bonus I qualified for per the terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I filed an initial dispute with the bureaus on XX/XX/XXXX due to there being invalid and unverifiable information on my credit report. I never received a response from the bureaus so I sent another dispute on XX/XX/XXXX. Still, nothing from the bureaus! So I submitted a 3rd dispute on XX/XX/XXXX as well as a complaint through you because of the bureaus not communicating or acknowledging my disputes at all! This is now my 2nd complaint because you claim you need me to AUTHORIZE myself and my complaint, this is just hindering the process even more so!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 is denying credit based on federally protected characteristics as opposed to credit strength. I applied for their XXXX XXXX credit card. The application went pending, then was denied. I called the reconsideration hotline and the woman told me she would personally reconsider the application. She then denied it stating there were too many inquiries. I asked her how many was too many. She stated she did not know. It didn't make sense she was making a credit decision without any credit guidelines. I then asked to speak with a manager. I asked him the same question : how many inquiries are too many to be approved for an XXXX XXXX credit card? He told me it varied by customer. He also told me he did not have an answer. Since he could not produce credit guidelines related to inquiries, I believe that he and the other representative, who were clearly not based in the United States, are basing lending reconsiderations on XXXX XXXX and XXXX. If there is no standard, why am I being denied as a person with a XXXX name and American accent when they have told me that other people can be approved with the same profile since there is no credit guideline standard? It is discrimination, plain and simple.

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 2017-07-27
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My mortgage was purchased by Loan Care LLC several months ago. I have first contacted Loan Care back on XXXX/XXXX/2017 to request my PMI be removed as I have nearly 50 % equity in the home. Since they have my home only valued at {$290000.00} they have my equity listed at % 87. After spending several hours and many calls and emails I was finally given information on how to start the process for getting an appraisal to have the PMI removed. I mailed in a check with " PMI Cancellation Request Appraisal '' in the memo as directed in their letter. Loan Care has cashed my check on XXXX/XXXX/2017 and has still not contacted me. When I call they keep passing me from department to department all with conflicting information. They inform me that the decision is up to the escrow department but they refuse to let me talk with anyone in the escrow department. It is all very frustrating as their associates are rude, uniformed and do not assist in resolving the issue. I have also paid my home insurance in full and have requested for Loan Care to remove my insurance from escrow as I have provided them with documentation proving that the insurance has been paid but I do not get any response and no one will answer my questions when I call. Currently they are collecting insurance monthly to pay insurance that I have already paid. Please help!

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 2022-02-03
Company: Financial Credit Network Inc
State: CA
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 account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The FIN CR NETWK XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


FIN CR NETWK XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation