BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 had spoke to XXXX about the following hard inquiry pulls that they had said they would remove from my file. They were pulled without my authorization. They had agreed to remove the following dates from any credit report such as transunion, XXXX and XXXX. Here are the dates that need to be removed. I had to spoke to them last In early XXXX and they said by XXXX everything should be taken care of but they still show up. 

Here are the inquiry 's I am asking to be removed as agreed upon. 
Inquiry from XX/XX/XXXX Inquiry from XX/XX/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 2021-11-27
Company: EQUIFAX, INC.
State: NY
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 have contacted Equifax via certified mail multiples in XXXX, XXXX, XXXX ( XXXX & XXXX ) and XX/XX/2021 about removing the fraudulent items on my report and i also sent them my FTC Identity theft form notarized. They still have not the negative fraudulent items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For over 40 years, my father Mr XXXX XXXX XXXX has been a loyal Bank of America customer. In recent years he added my sister XXXX and myself as signatories to his account. This is an account he has used mainly to deposit his lifetime savings, it's not an account with a large number of transactions. 

In XX/XX/2020 he found that all his savings had been withdrawn from the account without his knowledge. After contacting the banks fraud claims team and a lengthy investigation, the funds were reimbursed to his account. To prevent any possible future fraud taking place, additional measures were implemented ; his voice was needed to request any changes or give the bank any instructions. He Insisted in not having an ATM card, as he only manages the account with his checkbook. To his surprise, in XX/XX/2020 the account was emptied again. We have found that a card was issued on my name, delivered to an address in XXXX FL and then used in cash machines in XXXX. We never requested a card, have never provided an address in XXXX and have never had an ATM card for this account. 

After 6 months of continous emails we had received {$60.00} of the total of {$70000.00}. See the detailed of the withdrawals attached. 

I would really appreciate it if you could guide us to someone in the bank who could own the resolution of this case. As you can imagine, for an XXXX year old person, this situation creates levels of stress which are not healthy. 


PD : Attached is an XXXX sheet with all the withdrawals made from the account with the atm card that sum sometimes {$3.00} in just one day. 

Sincerely, 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 monetary relief
Consumer complaint received 2021-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX and Trans Union , LLC have recklessly failed to follow reasonable procedures to ensure the accurate reporting of my credit under the FCRA Notice on the XXXX XXXX XXXX, XXXX wrong information as to # 2 ( You have too many delinquent or derogatory accounts ) only. 

In addition, I contacted both agencies ( XXXX and Tran Union ) in regards to the recent reporting of my credit report. I attempted to get credit with XXXX XXXX and XXXX XXXX XXXX. Both creditors reported back the following on or about XX/XX/2021 1. Balance on your accounts is too high 2. You have too many delinquent or derogatory accounts and ; 3. The total of all balances on bankcard or revolving accounts is too high.

This information would be totally old and incorrect. I have no balances on any of my revolving accounts and havent had any for more than 60 days.

Misreporting such information after being made aware willfully and/or negligent violates Section 1681 e ( b ) of the FCRA. Such action of delayed or failure to update reporting files in a timely matter also violates Section 1681 I of the FCRA. 

I was denied a mortgage and housing rental due to the negative and incorrect information provided by these two agencies. The information being reported to creditors is old and outdated by at least six ( 6 ) to eight ( 8 ) months. 

I am demanding that they correct the information within my report and provide me written notice that it has been corrected in writing.

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 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 sent a dispute to Transunion on XX/XX/2020 and still have not heard anything back. While I understand that we have a pandemic going on the laws haven't changed and this is affecting my life. 

1. Transunion is reporting multiple errors on my report including : Account XXXX XXXX XXXX XXXXA XXXX is reporting the wrong balance 2. Transunion is reporting that XXXX XXXX XXXX XXXX owns this account but XXXX  is reporting this account is owned by XXXX XXXX XXXX. This is a direct violation. 2 companies reporting the same account and both with a balance. 
3. XXXX XXXX XXXX XXXX XXXX is a collection account reporting a balance which is a violation. 
4. The account numbers for this account is reporting as XXXX on TRANSUNION and reporting as XXXX-XXXXXXXXXX on XXXX. 

These are all violation and shows complete disrespect for my livelihood and total neglect in ensuring my report is accurate.

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 2021-02-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX XXXX, a XXXX American. " On or about XX/XX/XXXX XXXX XXXX  formerly known as XXXX XXXX XXXX XXXX  sold a pool of charge-off accounts ( the Acounts ) by purchase and Sale Agreement and a Bill of Sale to Midland Funding LLC. '' I, XXXX XXXX XXXX does not have a contract with Midland funding and I signed a court document T.D.C. meaning threat duress and Coercion and A.R.R. on XX/XX/XXXX. XXXX  and XXXX  the attorney 's for Midland Funding got a Final Judgement for me XXXX XXXX XXXX to pay the debt in which there is no contract that I XXXX XXXX XXXX does not have. The final Judgement was on XX/XX/XXXX in XXXX XXXX County so called " Court '' of the XXXX XXXX XXXX in and For XXXX County. A Delegation of Authority Order was never shown forth by XXXX XXXX XXXX. I am moving this case to XXXX Court. This is the 2nd time I had to file a complaint against Midland Funding LLC. The number of the first complaint I filed with the XXXX XXXX XXXX XXXX was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: Home Point Financial Corporation
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX I really need your help I pray you can do something. Listen to this, home point finical changed my XXXX mortgage check to XXXX dollars less and then never told me ( federal offense ). 3 weeks later I received a letter and called right away but couldnt get through due to the virus. Next, I got a hold of someone that said he would fix it but didnt. I sent a check that got there on the XXXX I believe of XXXX and my check was dated XX/XX/XXXX. They held my check 3 weeks and cashed outside the XXXX window of XX/XX/XXXX. They cashed the XX/XX/XXXX check on XX/XX/XXXX. I called and screamed it killed my credit score down from XXXX XXXX XXXX XXXX to almost 600 with the way they are reporting it. 
So now they are telling the credit reporters Im not caught up with payments but I am and they said the only way I can get them to remove it is if I send XXXX roughly ( 3 mortgage payments ). Listen, there is a national crisis, Im trying to get payment to them. Its not fair if the mail was slow. Everyone is short staffed. They cashed all my checks but wont apply then and notice there are no late fees. Meaning they got my payment on time. 
After looking up reviews of the company they are doing this same thing too people. 

Anything you can do Im going to lose my house

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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:
Experian re : XXXX XXXX XXXX. 
I contacted Experian on XX/XX/2021 to begin a dispute against the above Collection Agency. The dispute is stating that XXXX XXXX is reporting inaccurate information. Based on FCRA, the DOFD that must be reported is date of delinquency. The Collection Agency illegally re-aged the account and committed a serious violation. Attached are copies of my dispute results from Experian along with copies of the communication received from XXXX XXXX XXXX verifying the CORRECT dates. I previously called XXXX XXXX XXXX and was told that I had to write a letter and mail. I am an unvaccinated person and don't really go out to Post Office and this was an undue burden for me. The person on the phone was rude and unwilling to cooperate although I have the PROOF of the inaccuracy.

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 2021-10-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have recklessly failed to follow reasonable procedures to ensure the accurate reporting of my credit under the FCRA Notice on the Equifax Information Services, LLC wrong information as to # 2 ( You have too many delinquent or derogatory accounts ) only. 

In addition, I contacted both agencies ( XXXX and XXXX XXXX ) in regards to the recent reporting of my credit report. I attempted to get credit with XXXX XXXX and XXXX  XXXX XXXX. Both creditors reported back the following on or about XX/XX/2021 1. Balance on your accounts is too high 2. You have too many delinquent or derogatory accounts and ; 3. The total of all balances on bankcard or revolving accounts is too high.

This information would be totally old and incorrect. I have no balances on any of my revolving accounts and havent had any for more than 60 days.

Misreporting such information after being made aware willfully and/or negligent violates Section 1681 e ( b ) of the FCRA. Such action of delayed or failure to update reporting files in a timely matter also violates Section 1681 I of the FCRA. 

I was denied a mortgage and housing rental due to the negative and incorrect information provided by these two agencies. The information being reported to creditors is old and outdated by at least six ( 6 ) to eight ( 8 ) months. 

I am demanding that they correct the information within my report and provide me written notice that it has been corrected in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Some company by the name EOS CCA put a collections from XXXX XXXX and XXXX on my credit report on XX/XX/21 and XX/XX/21. I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX or XXXX. I have had another cable in my for years I have had XXXX as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of you or received any bills from XXXX XXXX or XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with XXXX who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have two issues with ALLY bank. They denied two transfers that I requested from my brokerage account. The first transfer was from an automated portfolio. I attempted to contact them about it and they said that they denied the transfer because the funds hadn't settled. Unfortunately, I am unable to place trades in the account because it is a managed portfolio, so if they deny my ability to withdraw funds that aren't settled then it would be impossible to withdraw the funds. They need to liquidate the account and then transfer the funds after 2 days. Denying the liquidation gives me no options. 

Next, they denied my ability to remove XXXX dollars from another account of mine. They stated it was because the funds are not settled, but the issue I am having is that their web interface explicitly stated that the funds were available for withdrawal on the day that the transaction was denied. I attached the screenshots to this complaint.

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 2022-01-09
Company: American First Finance, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i was a victim of identity theft and was currently incarcerated at the time the account was opened i have identity theft affidavit and my ftc report and my jail release form to confirm it so im demanding this item to be removed off my credit report or else i will file a lawsuit because this is complete nonsense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the original amount was {$190.00} which was charged on XX/XX/XXXX i requested a fraud alert on my bank account because i didn't know where that money was being pulled out from then i received a call from the debt collector saying the amount was doubled the original amount plus the money the bank " took from them '' which was mine since it was taken out of my account first, once i knew why the money was being taken i cancelled the fraud but i keep receiving constant calls saying the amount due to pay is {$390.00}. other than that when i cancelled the fraud the balance of {$190.00} was payed in full it shows in my credit score that it has been payed but the debt collector still harassing me through constant phone calls when the debt has been payed in full already. also when i spoke to the agent collecting the debt they told me the collection charge was going to be lifted which haven't done since XXXX because they keep saying the balance due is over {$300.00} should I filled a lawsuit against the XXXX? what should I do?

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 2021-11-05
Company: EQUIFAX, 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:
On XX/XX/XXXX, I filed a police report stating that i was the victim of identity theft. I then forwarded a copy of the identity theft police report too the credit reporting agencies XXXX XXXX, Equifax, and XXXX and requested that they deleted the fraudulent accounts and I requested a updated copy of my credit report Equifax and XXXX failed to respond to my request. Then re-sent them the letter with copies of the identity theft reports in XXXX and XX/XX/XXXX and again they never responded. I received a response from XXXX XXXX and they refused to delete the information stating that XXXX Americans are always breaking the law and that XXXX people cant be believe and they refused to remove the contested information. I am now requesting that your agency conduct a investigation and order all three credit bureaus to remove the contested information. Thank you for your time. Additionally at the time that the accounts were opened I was XXXX in New York XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my first house in XX/XX/2020, regretfully with LoanDepot. During the closing they told me I and the property would qualify for an XXXX loan which we then proceeded to do. Last minute, they said they the property type doesnt qualify because its a condo. ( Its actually a townhouse community with an XXXX fee ) Based on that information I was forced to go conventional, which was very misleading and bait and switch-ish to me. And we had the loan and homeowners insurance set up based on the information they provided ( condo and conventional ). I had signed up for my homeowners insurance to paid from the escrow account, like most homeowners. A year later ( renewal time ) I receive a threatening letter from LoanDepot regarding the insurance had not been paid and needed to be right away. So unknowing I paid directly from my bank account. I then later found out ( from my very responsive loan XXXX ) that I should have never paid directly. I then reach out to customer service which is a sea of transfers to unknowledgeable reps. After weeks, found out that the need a declaration page, which I sent to them via email, fax and online upload. A week or more later, the issue is still not resolved. I then have to call again and spend hours and hours through the sea of transfers and the unknowledgeable reps, because each one tells me something different. Then make me go through the same story for them not to be able to help. So I finally found a rep that could find the many declaration pages I sent and then said the issue was property type. I dont understand how after a year that is an issue AGAIN? I received the letter on XX/XX/XXXX, its is the XX/XX/XXXXand still in the exact same spot. I then called and asked for payoff to refinance with a more customer friendly mortgage company and I was told I would receive that the same day, its been XXXX and still havent received it. I hate paying my money to people that are dishonest with me. During all this, they were still taking mortgage payments instead of rectifying the issues they have created to make my life more difficult and making me lose income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I applied to an apartment and was denied because of an old outstanding debt that was never disclosed to me. I never received written notice, this debt never went to my credit report and I am completely unaware that this debt existed. There is still no written proof of the debt despite countless attempts to retrieve them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX Equifax and XXXX XXXXor inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


On ( insert date ) please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cavalry sent a letter regarding a debt which i have no knowledge of, i submitted a letter via certified mail letting Cavalry know this debt isn't mine. They have continued reporting this account on my credit reports for months and its affecting my credit.

Company response to consumer: Closed with explanation