BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The following late payments are reporting inaccurately on my credit report in violation of Section 15 USC 1666b Section 15 USC 1681a ( 2 ) ( a ) ( i ) I would like these items REMOVED from my credit report XXXX acct # XXXXXXXX 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 2019-03-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I got a promotion offer to open a new checking account with HSBC in XXXX, 2018. I have met all requirements of the offer for more than 6 months. I have contacted HSBC more than 5 times for the {$350.00} promotion but no any response has been provided to date. Therefore, I am filing the complaint to request HSBC honor its promotion offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: SUNTRUST BANKS, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a XXXX on XX/XX/XXXX and was Out of work for 6 to 7 months. I contacted the bank and asked for help and I spoke with XXXX XXXX whom said she was the client foreclosure prevention representative who would help me with resolving the matter. I was encouraged to apply for a modification. I applied for a modification and got approved for a forbearance for the months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I didn't have the full amount due which was for 7 months. I spoke with the preservation client representative and advised that I didnt have the full amount due for the entire 7 months but only a portion of the amount {$5400.00}. She advised me not to send in the money, that I had to fill out a new application form for the modification and she was going to mail it to me and she would review it and respond back in 30 days. She sent the application, I filled it out and sent it back then I received a notice from the bank saying the modification was unapproved and I only had the option to do a short sale and I had to reply by XX/XX/XXXX to accept the offer to do the short sale. I looked for an attorney that practices in foreclosure prevention and located the XXXX XXXX XXXX and asked for 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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Are transactions & experiences allowed to be reported on my consumer/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 2022-12-28
Company: EQUIFAX, 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:
Hello, so as a result, I do have two inaccurate accounts reporting on my credit profile that has been impacting me tremendously. I have not been able to apply and correctly get approved for new lines of credit because of XXXX XXXX XXXXXXXX, as well as XXXX, XXXX and XXXXXXXX XXXX XXXX XXXXXXXX the account has been reporting inaccurately I have tried resolving those accounts with the companies but they have not responded. I need the information to be removed because I am being denied for accounts and I feel like Im being denied my right for credit. This is a burden to me and I feel like Im being XXXX  XXXX because of it. I have not given

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
see attached identity theft report for accounts that have been reported to the FTC as identity theft

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 2021-02-15
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: LAND HOME FINANCIAL SERVICES
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Land Home FS is making the understatement that I dont have Hazard Insurance to justify XXXX reasons to the filing of a Frivolous Foreclosure on XX/XX/XXXX. They said : your failure to either ( a ) independently acquire and maintain residential property insurance, or ( b ) make monthly payments necessary to satisfy the cost of lender-placed insurance added to your account upon your failure to demonstrate evidence of property insurance acquired by you There are not pending insurance issues in this case : o XXXX XXXX XXXX cancelled its lender placed insurance claim on XX/XX/XXXX effective XX/XX/XXXX and it was prior to the filing of the wrong foreclosure on XX/XX/XXXX. ( Exhibit 1 ) o Also XXXX XXXX made a refund of charge for wrong placed hazard insurance fees ( Exhibit 2 ) Land Home FS sent me a letter on XXXX this year ( Exhibit 3 ) saying my hazard insurance had expired therefore they know I have that coverage from my XXXX XXXX XXXX XXXX ; Proof of insurance of XXXX was sent to Land Home through Legal Aid Society. ( Exhibit 4 ) Please find here enclosed proof of insurance on my property from XXXX to XXXX ( Exhibit 5 ) Land Home FS continues in an unlawful request of payments ; in their mentioned answer they said : we have not received the payment ( s ) due beginning with XX/XX/XXXX on your mortgage loan. Please send the amount shown below which includes any additional fees and charges dueTotal amount due {$15000.00} But payments have been timely made according to the Permanent Modification Agreement from XXXX this year, and all payments have been returned ( Exhibit 6 ) Because there are not pending insurance issues and Land Home FS said the Permanent Modification Agreement is not in dispute they must accept the check I sent to them on XX/XX/XXXX for {$4200.00} that includes all pending payments. 

If they dont agree with the allegations of this complaint they must explain it clear and simple without making reference to any previous letter and send proof of any statement that can differ from those exposed in this letter. 

Sincerely, XXXX 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 2022-04-07
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
You know, theres always a risk and that understandable but when you're making deals for parts in a forum you hope people are legit, followed the rules and don't ghost you. I was looking for the XXXX XXXX springs and I had posted in the For sale post about the springs. No response right, then I get a message with the email of the guy/girl selling them so I made the inquiry. Get a quick response from [ EMAIL ] XXXX [ /EMAIL ] and tells me the springs are still available. I figured they were gone and i'll take the blame for not verifying more. We made a deal on the price plus the shipping to my location. Both agreed and the money was sent. All seemed to go well. Then later that evening I receive an email telling me that the shipping was much more than expected and was asked for {$50.00} more. HOLD UP, I know theres no way it's {$75.00} to ship those, especially since he originally wanted {$150.00} and then dropped the price to {$120.00}. I responded with " we made a deal and I could have bought them cheaper from a site as we agreed on {$200.00} shipped, send them the less expensive method. '' I then get some response about trying that and they would be shipped out Monday. Well, here it is Wednesday and numerous emails later with no responses. 
The alternate email I have for him is [ email ] XXXX [ /email ] I am assuming at this point I have been ghosted and at a loss. Not sure theres anything anyone can do but I wanted to let the community know of this shady character. 

Here is the Original Thread [ URL unfurl= '' true '' ] https : XXXX [ /URL ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Resurgent Capital Services L.P.
State: NJ
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:
Someone opened accounts using my private information without authorization and caused a debtor status to be placed upon me without authorization or disclosure. I am requesting original documentation to proving these obligations placed upon me that is damaging my financial status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EAST WEST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/ 2021 The banker would not let me open an account. They asked inappropriate questions over the phone. The questions were offensive and bigoted.

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 2021-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

Identity Theft XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft CAPITAL ONE BANK USA N.A. 
Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX XXXX. 
Account XXXX : XXXX This is not mine. 

Identity Theft CAPITAL ONE N.A. 
Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I SENT A INVESTIGATION LETTER TO THE CREDIT BUREAU ASKING THEM TO TO DO AN INVESTIGATION AN CHECK EVERYTHING ON MY CREDIT REPORT TO MAKE SURE EVERTYTHING WAS XXXX XXXX ACCUTE WITH TRACKING NUMBERS. THEY DIDN'T DO A PROPER INVESTIGATION ACCORDING TO THE LAW DUE TO IT IS XX/XX/2022 AND MY CREDIT REPORT IS STILL INACCURTE. 

TRACKING NUMBERS BELOW : XXXX XXXX XXXX 15 U.S.C 1681 Section 603 ( 3 ) ( E ) States : The term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning such items of information. 

The credit bureaus stated account name & account # was properly investigation but how is that even possible if the Account status, Date opened, Date last Active, High credit, Last Reported and Date of last payment is still incorrect and not accurate. This ground for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written instructions or permission to furnish these accounts on my credit report. 

I'm sure you know the law just as well as I do my right 's was violated by the credit bureaus XXXX XXXX under 15 U.S.C 1681 : 15 U.S.C 1681 SECTION 602 A.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : 15 U.S.C 1681 S-2 ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CITIBANK, N.A.
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:
Fraudulently opened accounts multiple accounts none of them are minea

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 2019-01-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX - called USSA for justification *had policy explained redundantly, transferred to resolution department *resolution department extremely rude and unhelpful *Senior memeber advisor to the super boss told me i was not allowed to record him and disconnected the call. Even though they were recording. He said he would not email me any policy letter that shows what he was informing me on and i could find the information myself online. Apparently, explaining i was stranded on vacation and could not wait 5 days for the funds ... an exemption wont be granted that will release XXXX because of XXXX worth of clarification. Instead he captured the complaint for a team to reveiw. When banks are too big to need customers we clearly have an issue. Take your money to a bank that doesnt spend millions on marketing to cover up terrible customer service. Or contiue to receive explanations like you clicked agree so technically we can hold it for a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX through XX/XX/XXXX Trans Union dropped my credit score by XXXX because a closed mortgage account account with XXXX XXXX XXXX was removed from my Credit File. This account was paid in full & closed in good standard in 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 2022-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX I put in for a reconsideration for XXXX well I received a letter XX/XX/XXXX telling me that my account will be credited in its still hasnt be done so I been calling about the missing funds Well when I call Bank of America there telling me that this amount has been paid way in 2020 which isnt true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-16
Company: ID Analytics, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Was denied credit for inaccurate information reported by Sagestream LLC. I called many times to freeze my report, view the report and to block any potential false information from being reported. No one answers calls or responds to the many voicemail messages left. Their website says to fax all of my personal information just to request a freeze on my report. I never heard of this company and do not feel safe sending them my information and I can't even reach them by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: AZ
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:
fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2019-08-16
Company: John C. Heath, Attorney at Law, PLLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Lexington Law is currently being sued by the CFPB. Our company regularly receives bulk faxes from Lexington Law impersonating consumers and spoofing their number to look like the fax is coming from a consumer and not their company. These faxes come from the same 3 numbers ( XXXX, XXXX, XXXX ) for all consumers and pretend to be dispute letters from the consumer ( including fake signatures ). These faxes are disputing legitimate debts ( violation of the laws governing credit repair companies ) and are coming from area codes no where near where the consumers reside. Additionally they will come o

ne after the other with the address line showing the same number each time but with a different persons name on it. One would have though that with the CFPB currently suing them they would have already stopped this practice, yet it continues every day. Attached are the faxes we received just yesterday from this company. as you will see all faxes are of 1 or 2 formats. They all come from 3 n
umbers. Each number is spoofed to look like the fax came from the consumer. In most instances when we receive these faxes we will contact the consumer to speak about the dispute letter received and in over 90 % of the time the consumer is both unaware of the letter sent in their name and admit that they are in no way disputing that tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I sent letters to make my personal info on my credit report be updated. Specifically, I requested my old addresses be updated or removed because I don't live there any more. Moreover, I have submitted necessary documents to show my identity and current address, respectively but TO NO CHANGES AT ALL. 
I also submitted a complaint on FTC about this matter.

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 2020-01-28
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I just got a Synchrony Master Card, I pay my bills on line.. 
My bill is due on the XXXX of the month. 
I set up an electronic payment from my bank to Synchrony for that date. 
They did not process it until the XXXX and then charged me a late fee, When I asked why it was not posted on the day it was transferred to the bank I was told that it could take up to three days for a payment to be posted. 
I have never heard of a bank holding electronic payments for up to three or more days. 
All my electronic payments are credited on the day they are received, no I am not sure why Synchrony withholds payments., Seems that they want to hit their customers with the late fees. 
When I called they did reverse the late charge, Seems odd that they would withhold electronic payments since there is no need to manually do anything, Bank to bank transfers should be accepted and credited not withheld waitng for what I am not sure.

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