BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested In processing disputes on my credit report to delete an report all inaccurate information that needs to be delete to correct my file. ive noticed alot of errors that are hindering my credit report an Needs to be removed asap. please review an delete all items listed to correct the file asap.

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 2023-12-01
Company: EQUIFAX, INC.
State: MI
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 countlessly tried to reason with this company regarding my identity theft I have sent multiple police reports they told me they were edited I have contacted the authorities I have disputed these accounts countless times with simple responses from this data furnisher saying they are verified they have sent me no proof of how they were verified when I ask for proof they will return with account has been updated. I am not resposible for opening these accounts. This identity theft with my personal information has caused defamation of character has caused me emotional, psychological, mental and financial distress. I am pleading with your company to help me. I have all documentation to move forward with a lawsuit. This will be my last attempt to reason with this company I need proof bearing my signature on any contracts signed, photos or video of person physically there or IP addresses for electronics used to open these accounts. If you can not produce these I will need all accounts removed immediately within the lawful time period. 

XXXX XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$280.00} XXXXXXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$4300.00} XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1600.00} XXXX  XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$610.00} XXXX XXXX, XXXX - XXXX DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$1800.00} XXXX XXXX  - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$740.00} XXXX XXXX - OPENED DATE XX/XX/XXXX ACCOUNT NUMBER XXXX {$740.00} XXXX XXXX XXXX XXXX XXXX DATE - XX/XX/XXXX ACCOUNT NUMBER XXXX {$160.00} XXXX XXXX XXXX XXXX DATE - XX/XX/XXXX ACCOUNT NUMBER XXXX {$24000.00}

Company response to consumer: In progress
Consumer complaint received 2019-10-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hey I had a bank account for 6years never had one problem from one day to another one. My bank account was closed I've been waitting for weeks and my check Is supposed to come in the mail and nothing yet. I had a checking account and they closed it too without my consistent. I called several times and they cant give me exact day when I'm going to have my my funds available. And I cant get an answer why my account was closed. From santander bank my name is XXXX XXXX and I've been searching for answers as to why it happened to 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 2023-11-30
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is for late payment still reporting on my credit history and my husbands even after creditor agreed to remove late payment. Ally case # XXXX XXXX XXXX XXXX- XXXX, XXXX ( XXXX ) XXXX if creditor doesn't update the credit history like they agreed I will escalate to a lawsuit. They have no evidence what so ever that my payment was late. I informed them several times that their website was down besides that they agreed to remove it so them going back on their agreement is unfair.

Company response to consumer: In progress
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CXXXX 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 XXXXXXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2019-03-12
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on a house XX/XX/XXXX. I have made a payment every month of around XXXX. XX/XX/XXXX I made another payment to XXXX XXXX for the XX/XX/XXXX due date, it came out of my bank account on XX/XX/XXXX, not knowing they had transferred my loan to Mr.Cooper. I have called both agencies countless times trying to find the money. XXXX XXXX said they transferred the full payment. I eventually found out from Mr. cooper my account was transferred in XXXX. I have called mr cooper several times over the last few months seeing if they had found the payment. They kept telling me they would look into it and contact me as soon as they found something out or received payment. I would get three to four phone calls a week from their automated service trying to get me to make a payment. After a few calls, when Id answer, it would just be static and noise, no talking or anything. So I made them remove me from the call list. Today I went to make a payment because I had to wait to get the checks from both of my jobs to deposit in the bank to pay the XX/XX/XXXX payment ( which would technically be XX/XX/XXXX since Im still a month behind due to them not having my XXXX payment ) but when I saw that my new payment with two months due was {$1600.00}, I panicked. I couldnt even make a partial payment because they required at least 50 % of total due. I only had XXXX. When I called to figure out why my payment increased that much, after finally understanding since this is my first home, they made a tax payment at the end of 2018 which set my escrow balance at - {$2300.00}. The statement says lowest projected escrow balance at XX/XX/XXXX is - {$2900.00}, minimum amount {$680.00} for two months, amount to be current {$3600.00}. If I was to pay the full amount it would still leave my monthly payments {$770.00}, which theres no way I could just come up with the money to pay all at once. If the amount was added to the 12 months I would have to pay {$1000.00} a month. I got a USDA loan because I do not make a lot of money and rent isnt that affordable. However Im also not at all capable of a thousand dollar a month payment on top of all of my other bills. Now that Ive had help understanding this, I see how theyve screwed me. Ill be happy to provide any more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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:
On XXXX XXXX, 2020, Transunion reported to Bank of America that my credit score was XXXX. At that time, Bank of America was considering closing two of my credit card accounts. 

Ultimately, they did decide to close those accounts, and their letter states that they used that XXXX score " in taking the above action. '' However, by all accounts, including their representatives on the phone, my credit score has never been that low, especially on or around that date. 

In fact, from XX/XX/XXXX XXXX, it was at 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 2021-07-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX has misreported this account in blatant error and violates the provisions of the FCRA and must be removed from my credit report for inaccurate reporting. 

This account is reporting Date open : XX/XX/2018, additionally this same account is reporting a 60 Day Late Payment XX/XX/2018 this information is inaccurate and inconsistent based on if the account was opened in XXXX, it is not possible to be late 60 days in XXXX. Please remove this account immediately!!! 

XXXX XXXXXXXX XXXX has supplied information to Experian that it knowingly inaccurate. Experian has failed to conduct a reasonable investigation of my dispute and I am asking for the following ; DELETE INACCURATE ACCOUNT, INCOMPLETE, OR UNVERIFIABLE INFORMATION WITHIN 30 DAYS ( OR 45 DAYS IN SOME CASES ) OF RECEIVING NOTICE OF MY DISPUTE My rights have been violated under the FCRA, I am entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages. 

Experian is required by law to do everything in its power to accurately gather and report accurate consumer information.

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 2015-12-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have been attempting to arrange a payment plan that i myself could maintain. While in doings so I have recieved the run around via telephone for months when trying to communicate payment arrangements and/or agreements. I have tried communicating with them atleast once a month upon my first letter to start repaying this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 been contacting Bank of America, who appear on my credit file as BK OF AMER numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquire date of XX/XX/XXXX, And listed on me XXXX   report with a inquiry date of XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud. 

The listed contact information I have for this company differs, one is XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX and another is XXXX XXXX XXXX XXXX XXXX Tx 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 2023-04-26
Company: Experian Information Solutions Inc.
State: AL
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 XXXX Account # XXXX ( XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 2 : It also 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 2023-04-26
Company: Experian Information Solutions Inc.
State: AL
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 XXXX Account # XXXX ( XXXX XXXX  ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 2 : It also 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 2021-02-17
Company: CITIBANK, N.A.
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:
On XX/XX/2020 and XX/XX/2020, THD/CBNA add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorizat ion Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Saw two accounts and two inquirires that are not mine they do not belong to me and I have not signed or authorized these accounts or used them for that matter I need help removing these from my credit report they are not mine!!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

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 2018-11-20
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:
I DISPUTED SOME ACCOUNTS THAT I DO NOT OWE TO. I DISPUTED WITH EXPERIAN AND XXXX AND XXXX, I WANT THESE ACCOUNTS DELETED ASAP, I WILL SUE IN FEDERAL COURT, AND I ALSO FILING A XXXX  COMPLIANT, DELETE ALL ACCOUNTS FROM CREDIT REPORT ASAP

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 2019-09-04
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a mortgage with DiTech Company in the last several years. Recently I sold my property and the closing already took place in the first week of XXXX 2019. Outstanding loans have been paid off. However, the mortgage company which is DiTech still took out from my checking account for the mortgage payment of {$1200.00} on XXXX XXXX, 2019 even though the loan has been paid off. I called the company at least 3-4 times since XXXX of 2019 to address this issue because I want my money back. They keep saying that they will mail me the check and until today XXXX XXXX, 2019 no check has been sent to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Credit Karma, LLC
State: OK
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 in the process of buying a home in XXXX, Oklahoma and I authorized a Hard Pull from the mortgage broker I was dealing with. And then on XX/XX/2021, Credit Carma emailed me and told me that I have 14 ( two weeks ) to get other quotes from lenders and that it would not affect my credit score. So I ended up getting another quote from another Lender a few days later. And then I got notified today on XX/XX/2021 that my credit score went down over 21 points with XXXX. And it is probably going to go down with the other bureaus as well. My score is now around XXXX and it should be a lot higher around XXXX like it was before. I uploaded the email that they sent me. But I should not be penalized for this and I want why credit score points back. It was false advertised. And we are still within the 14 day window, so my score never should have been lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
These people brought a illegal loan usury interest rate account from XXXX XXXX XXXX ... XXXX XXXX does not have a license to provide illegal loans ( Usury interest rates ) in the state of Ca. By the CA. Department of Business Oversight and the federal consumer protection bureau. their phone number is XXXX ... I am XXXX years old and want these people to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Upgrade, Inc.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My checking account with Upgrade was supposedly closed, however, the message shown when signing in states deposit accounts suspended. I request account fully closed at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: U.S. BANCORP
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have documentation from US BANK on an agreed payout amount. I finalized this payment in XXXX and they are still saying I owe {$6100.00} as of XX/XX/2021. I a have the agreed document and a ledger of all my payments. This account XXXX is still active when i go into USbank and its not correct.

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 2019-07-17
Company: Lendmark Financial Services
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a credit inquiry on my credit report from Lendmark on XX/XX/XXXX that I do not recognize. I contacted Lendmark on XX/XX/XXXX to find out why I have this credit inquiry on my credit report and they did not respond. 

They have not provided me with any documentation or proof showing that I allowed them to inquire about my credit. This credit inquiry needs to be removed from my credit report.

Company response to consumer: Closed with explanation