BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed the inaccurate bankruptcy in my credit report. Recently I dispute the bankruptcy with XXXX XXXX and they have removed the item from my credit file. XXXX XXXX suggested I notify all 3 credit bureaus to remove the bankruptcy. This is your notification to remove the inaccurate bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
XXXX XXXX XXXX reply result Dear cfpb Complaint ID : XXXX It is refer to the feedback. TCF Bank refuses compensation my all deposit. 
TCF Bank copied my deposit checks and sent to the bank in front of me. I wait for over two months without the reply. I asked the reason. They said they do not reply me. You can contact them. They refuse the compensation. 
I said I only gave money as deposit for your TCF Bank. You gave to the bank without my permit and I do not know that you gave the bank and I do not know that bank. Thus I only ask your TCF Bank compensation. TCF Bank refuse the compensation. 
Because TCF Bank owes my money. It is the fact and they refuse the compensation. Thus I ask TCF Bank to compensate {$2500.00}. Add interests. 
Now the national all attorney general together object the company to bully the People. Therefore I ask the compensation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
Company: General Motors Financial Company, 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 have written letters and called each of these creditors multiple times who are reporting fraudulent inquiries and continue to report these to the credit bureaus. These request were not authorized and need to be removed but they will not assist my request. 


XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My ReliaCard card isnt working Im receiving benefits I turned in information to unlock my account they received my information and they still playing with 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 explanation
Consumer complaint received 2018-12-27
Company: Moiharwin Diverisfied Corporation
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I wrote to Vegas Valley Collection to verify that the debt was mine because I had no knowledge of the debt owed until I was denied due to my credit. I requested further information from Vegas Valley Collections and they did not comply with my request of verification. The amount owed totaled to {$58.00} from back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: DISCOVER BANK
State: OH
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:
What is this complaint about? Credit card company reporting balance and payment history on my son 's credit report without my knowledge or consent. Misrepresented adding another users and how it would show up on credit report. 

Step 2 : What type of problem are you having? Discover Card Services asked me if I casually wanted to give anyone else in my family a card attached to my account. My son who was not yet XXXX but getting ready to attend XXXX  was provided a separate credit card in his name but attached to my account. What they did not tell me is that my balance and history would show up on his credit reports. I asked for proof that they told me about how this would show up as an authorized user from XX/XX/2016 and they told me they don't keep the recording and that I was stuck. My son never used the credit card yet it shows on his credit report. He is not responsible for balance or any payment of it. They said by law they have to do this but never told me that as I just believe he was getting a card with his name but my account. I would not of taken the card. They indicated I could take him off now but the last balance amount would remain on his account for at least 7 years even if I paid it off to XXXX. 

Step 3 : What happened? I explained that the card was not presented it to me in that fashion and requested they removed it from his credit report. They said I could file a complaint with the credit bureau which I know will do nothing. They misrepresented the terms of the additional card. I spoke to a supervisor who dodged my questions then asked to speak to the credit department which I was told would call me in 24-48 hours and did not. 

Step 4 : What company is this complaint about? Discover Card Services XXXX Step 5 : Who are the people involved? XXXX XXXX and XXXX XXXX ( XXXX ) at XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Account ending in XXXX. I'm in good standing with Discover and pay more than asked every month. I get no second statement or anything in my Discover bill or mail that has my son 's name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mortgage company set a property foreclosure sale for my property. My husband recently passed I am presently in processing for mortgage assistance with my mortgage company. I requested a forbearance because I had been affected by Covid-19. My mortgage company is giving me a hard time even though President Biden has signed and executive order for foreclosures to be put on hold. My property is set for foreclosure sale XXXX I need Help, I'm a XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My initial loan was through XXXX XXXX. They sold my loan it is now with New Rez LLC shellpoint mortgage servicing. My payment amount is XXXX per month. I have paid ahead and wanted to pay biweekly as I did with XXXX XXXX. NewRez holds my partial payment rather than putting it through. They put it in once a month rather than bi-weekly as requested. I paid XXXX on the XX/XX/XXXX and XXXX on the XX/XX/XXXX which is more than the amount of the loan. This keeps me from paying towards my principal in hopes to pay off my loan quicker. I have never had a bank hold my payment before. I called to try and resolve this they will not put my payments in as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to correct this situation with Honda Financial to no avail. I sold a leased vehicle in XXXX XXXX and the license plates were sent to DMV to be cancelled. Honda Financial is attempting to collect pro-rated funds in the amount of {$130.00} for past due personal property taxes for XXXX. I did not own the vehicle in XXXX and the county does not assess property taxes until XXXX. 

Honda Financial has admitted they have filed for an abatement for refund of the personal property taxes they incorrectly paid which means they know it was in err. They had the necessary documentation in XXXX to decline the tax assessment as it was not valid. 

At this point, Honda Financial has place a delinquency on my credit report which has caused my harm financially. This needs to be removed immediately and the amount owed is not my debt nor responsibility

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
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:
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$260.00} Status Collection account. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$630.00} past due as of XX/XX/XXXX. 



fcra violations see HIPPA VIOLAITONS

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 2018-06-12
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband and I lived in an apartment complex in XXXX from XX/XX/XXXX to XX/XX/XXXX and upon moving out, they sent us an incorrect bill. I called them and explained that we had paid the fee to have our apartment cleaned using their cleaning program and even took them a copy of my cancelled check. They still sent this inaccurate amount to a collection agency named Hunter Warfield. I called Hunter Warfield and even sent them a letter plus corroborating information and they refused to budge stating that the apartment complex said that it was a valid debt. When we applied for an apartment and were denied here in XXXX where we currently live, I learned that this was on my credit report. I contacted XXXX credit reporting agency and filed a dispute. On XX/XX/XXXX, I received a letter from XXXX stating that this collection was no longer on my file. Two years later ( now ), my husband got a free credit report and this collection account is on his account now, when it wasn't 2 years ago. I also found out that it was put back on my account after I was turned down for an apartment. I have contacted XXXX and they are telling me that this collection agency is able to put this information back on my credit report because they are members of the credit reporting agency. I was never notified by XXXX that this was put back on my credit report. I do not understand how a collection agency is allowed to report false information and the consumer has no right to keep it off of their credit report.

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 2021-03-05
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2021 my Experian online account was hacked and the personal information was changed, I was locked out of my account. I called Experian and got my information changed back to my information and supposedly put a freeze on the account. My SS number was stolen and one of the accounts on my Experian credit report was contacted by this hacker. 

One week later, on XX/XX/2021, my Experian online account was hacked by the same person ( I know this because the email address used and all the information changed was the same as last week ) and I was once again locked out. I called Experian again and got control of my account by changing all the information for a second time. 

The Experian account, in my opinion, is being hacked into by someone related to Experian, or from within Experian. My password was a 20 digit randomized password and no one has access to this information. I fully expect to go through this again next week. I believe my SS number was stolen from the Experian account only after the account was accessed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Repoting act XXXX these accounts have violated my rights. 

15 U.S.C 1681 Section A. States i have a right to privacy.

15 U.S.C 1681 section 602 section 2. States a consumer reporting agency can not furnish an account without my written instructions.

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 2018-10-17
Company: JPMORGAN CHASE & CO.
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:
battling ID theft for over 7 years seems like its getting no where all the banks are deny me b/c of my ID theft sent over ftc and police reports from XXXX and XXXX county

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was attempting to refinance a mortgage at a lower rate with the same company that had my mortgage, Wells Fargo. The rep sent me some documentation. This documentation indicated my credit file would be reviewed by Wells Fargo. We were not at the point where I would let them review the file, not knowing what the new rate would be and knowing their receipt of my file would lower my score. I telephoned the rep, and she told me there would be no inquiry. This rep lied to me in order to obtain my report and without my consent. I complained to Wells Fargo, and they told me they would fix it. They routinely sent me notices extending the date by which they would reply. This past XX/XX/XXXX (? ) they told me it was fixed. Today, XX/XX/XXXX, I look at my XXXX   report, and the inquiry is still there. I eventually refinanced with another lender. 

XXXX/WELLS FARGO MOR Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2021-04-24
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX, Assistant Vice President of Executive Services at Suntrust now Truist did not follow the Judges court order. In her letter in responding to prior complaint regarding safe deposit box contents, info is absolutely not truthful or accurate. The contents were not made available for XXXX XXXX to view.

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 2017-08-01
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being contacted by a debt collection company for a debt that is not mine. I believe this debt is a result of identity theft. This company has not validated this debt per my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: EQUIFAX, INC.
State: OH
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:
To : XXXX  or Equifax or XXXX  I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. 
XXXX XXXX XXXX {$1600.00} I have been informed by your company the item ( s ) was/were deleted PERMANENTLY from my credit report.

Now, I have discovered the item ( s ) have been REINSERTED on my credit file.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within FIVE business days. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

You have failed to comply with documentation bearing my signature associated with this account, as per the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ). I am keeping a careful record of your actions, including Method of Verification, I DO NOT CONSENT to e-oscar or any means of automated verification. In maintaining a careful record, I will file a complaint with the Consumer Financial Protection Bureau should you continue with your erroneous reporting of the item ( s ) and non-compliance. I further remind you, as in Wegner vs. TransUnion Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for the willful non-compliance and failure to respond satisfactorily I will seek {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act I hereby DEMAND you immediately delete the item ( s ) from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office and the XXXX XXXX XXXX. 

Please govern yourself accordingly,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/XXXX my Transunion FICO score was XXXX ( XXXX   XXXX ) On XX/XX/XXXX my Transunion FICO score was XXXX. A drop of 33 points in one week. 
My score had been increasing steadily for the past 6-12 months.

Each of the six factors used to calculate the score either remained the same or improved.

There are ( 0 ) derogatory remarks, and my payment history is 100 %. Credit card use declined. 

Despite several calls, Transunion is either unable or unwilling to explain the huge drop. Their dispute process only allows for individual line item questions. I feel that there must be some internal data snafu, or calculation error. 

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 2018-12-27
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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove the inquiries listed below as they are not familiar to me and I did not authorize them. The inquiries are damaging to my credit and score. Please Remove these items from my report ASAP. 

XXXX XXXX XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX   XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX XXXX XXXX  XXXX-Inquiry from XX/XX/2018 Experian XXXX XXXX  XXXX- Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX XXXX- Inquiry from XX/XX/2018 XXXX  XXXX XXXX  XXXX-Inquiry from XX/XX/2018 XX/XX/2018

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