BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have had this credit card with BoA for probably twenty years. My ex-husband left me with a lot of debt on this card and I paid it all off last year, over {$30000.00}. My credit limit got reduced slightly at some point but was still I believe over {$25000.00}. This year I used the card very little because I am trying to refinance my mortgage so that I can hold on to my home post-divorce. Recently I noticed I had missed a payment, not realizing that I had used the card for some on-line purchase. I paid the total in full, to zero. It was about {$450.00}. The next day, I received notice that my credit limit had been reduced from over {$25000.00} to {$500.00}. 

I called BoA to find out what happened and to complain. The woman on the line kept telling me how much she valued me as a long-term customer but that she was unable to explain why my limit would be so drastically reduced. She promised that someone from the correct department would call me the next day. No call that day, nor the day after that. it has been five days, still no call. All I got was a letter with no explanation except to say that my credit report showed a delinquent bill. 

I am in good standing with mortgages on my home and rental property ; all are in forbearance and I make regular monthly payments to cover the interest. I had one blip on my account from a company that bought an old debt of my ex husbands from XXXX and put it in my credit score ; I quickly got that removed. So I have no idea what this is about, but a credit limit reduction of that size is going to damage my credit score so irreparably that I will literally not be able to refinance my mortgage. This decision by a company that I have faithfully been a customer of for twenty years, and with whom I paid last year, by myself, a {$30000.00} debt to XXXX, has just made it impossible for me to hold on to my home because of the impact of this unfair decision. I was rarely even using this card this past year, so there was no risk of my suddenly using up the credit! 

If they want to make a reduction in my credit limit, they need to explain what it is about and allow me to correct the record if they are wrong ; if they still want to make a reduction, it needs to be a reasonable reduction, not a reduction of XXXX percent of my original limit!!! They have claimed to care about their customers, and this is how they treat a customer of 20+ years, destroying our relationship and making it impossible for me to refinance my mortgage and hold on to my home during a global pandemic and a difficult divorce.

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 2020-12-10
Company: U.S. BANCORP
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:
Payment was made using a bank account that had been closed due to identity fraud, I remedied the payment error but it was not within 30 days of the due date because I was sick with XX/XX/XXXX. US Bank is not willing to amend the delinquency report. They stated that they have consumer protections in place if you want a deferment but I did not need a deferment since I was sick and unable to amend the payment error within the 30 days.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX has violated XXXX XXXX XXXX XXXX In accordance my rights. 
15 U S C 1681 section 602 A. States I have the right to privacy 15 U S C 1681 Section 602 A Section 2. It also states a consumer report agency can not furnish a 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 2022-09-05
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive always had medical insurance and do not know where this debt came from. I had XXXX XXXX XXXX XXXX  for years.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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

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 2021-01-26
Company: Solar Mosaic LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX, I entered into a contract agreement for {$45000.00} to finance solar panels for my house. I agreed to have payments of {$180.00} withdrawn from my bank account on the XX/XX/XXXXof every month. I was told that I have the option to also apply the tax credit that I receive from the IRS to this balance and the loan will be reammortized. After my payment was automatically deducted from my bank account, I paid an additional {$200.00} in XX/XX/XXXX ( applied XX/XX/XXXX ) that I expected would be applied entirely to the principal balance. Instead, only {$150.00} was applied to principal and {$44.00} was applied to interest and the next due date was extended to XX/XX/XXXX. 

I called customer service and was informed that Mosaic always takes interest first. This seems highly suspect and illegal to me. I'm now worried that the tax credit that I plan to apply will also have interest deducted from it. Please look into this unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I reviewed my consumer reports and noticed that my personal information is being reported inaccurately. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. Please investigate and update my personal information to the following : XXXX XXXX XXXX XXXX XXXX XXXX PA,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 2023-01-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Company refuses to reinstate my credit limit of {$1600.00}. They should have contacted me before obtaining a credit report on XXXX XXXX XXXX  They should had gave me 30 day notice of decreasing my credit limit. Also, on XX/XX/XXXX I purchased XXXX  gift cards that I paid cash and they charged my target card. I only charge my target card for the non-gift cards. I called to file a dispute and they said they did it, but it was never put through. When I first open the account up with them, I was promised a {$40.00} voucher part of my new membership for opening the card.never sent to me.every time I try to use my card in target half the time it doesnt work. This is the worst stire card I ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2018-10-31
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My bank failed to refund overdraft fees when I reported transactions as fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F )  otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete Thanking you in advance. 

I demand the following inquiries removed immediately. 

The following inquiries are unauthorized : XXXX XXXX XXXX   Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX0, CAPITAL ONE BANK USA add a hard inquiries on my credit reports per XXXX and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a copy of my credit report and notice a derogatory account for {$4600.00} that shouldn't be there. I disputed this account with all three credit bureaus by mail. On XX/XX/XXXX this account has been removed from my XXXX credit report as unverified but it still remains on my TransUnion report. After another dispute this account Still Remains I tried to explain to the representative at TransUnion that this account does not belong there and it has been removed from XXXX. The representative advise me that he cant remove it and stated this is TransUnion not XXXX. After another dispute I received the results on XX/XX/XXXX and this account is still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: ENCORE CAPITAL GROUP INC.
State: ID
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 was sued by Midland Management. I paid their lawyers and now Midland Management has yet to update the status of my account with them. They used the law firm XXXX XXXX XXXX. I paid them on XX/XX/XXXX and it is still on my account. I have documentation showing I paid the law firm. I called law firm and they said for me to contact midland management at XXXX. 

thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: LD Holdings Group, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or around XX/XX/XXXX I closed on a no cash out refinance of my primary residence mortgage with a new lender Loan Depot. Prior to the closing I provided them with evidence of hazard insurance along with the new lender mortgagee/loss payee clause. On or around XX/XX/XXXX I received a letter dated XX/XX/XXXX from Loan Depot informing me that my hazard insurance was expiring and that they did not have evidence of coverage. As a result of this they were going to purchase force placed insurance coverage if I did not provide them proof. I contacted the XXXX XXXX XXXX  XXXX and ask them to fax over the current policy declarations along with the lender clause showing that Loan Depot was listed as mortgagee/loss payee. This was done on XX/XX/XXXX. Prior to requesting my insurance agent to send this fax, I logged onto Loan Depots website and was able to confirm that they had hazard coverage in that there was no expiration until XXXX, XXXX. I called Loan Depot on XX/XX/XXXX and spoke with a customer service agent. They informed me that my agent had sent them proof of coverage and that no force placed coverage would be bought. I requested they send me written confirmation that they had coverage in file and that they would not be proceeding with force placed coverage. They refused to acknowledge in writing this fact that I was not in default and that they would not force placed coverage. They need to be held accountable for sending me a letter informing me that I was in default of my loan terms for failing to provide adequate coverage when in fact they had it before the closing took place. If they are going to send an in accurate nasty gram, they should also follow it up with a letter of apology for their mistake so that I dont have the mental burden of wondering if they are going to Force Place coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 




XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX  ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was late on mortgage payments. Wells Fargo refused to apply my payments that had cleared my bank, to my mortgage loan until I paid their over estimated attorney 's fees. Beginning XX/XX/2018 through XX/XX/2018. A portion of those attorney 's fees were refunded back to me, but not until XX/XX/2018. When I resolved the foreclosure process on XX/XX/2018, I paid the XXXX payment that was not late along with the attorneys fees they demanded before they would reinstate my mortgage. They were holding a total of {$5000.00} of my money, but would not apply it to my mortgage note.They help previously paid mortgage payments for several months. So it appeared that I owed more than I actually did. This led to me also being sued by my ex husband in Texas court and now I owe him a judgement as well.

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 2020-12-10
Company: MIDFIRST BANK
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: Account status incorrect

Complaint:
I am in the delayed payment assistance program for COVID-19 for my mortgage. I was current on my mortgage when I went into this program. I was told by Midland Mortgage that this would not negatively impact my credit in anyway, it even shows on the website when I log in that I am current and on a delayed payment program because I have a FHA backed loan and I am due to resume payments in XX/XX/2021, however they are reporting to all three credit agencies that I am late 60 days on my payment. I have called Midland Mortgage at XXXX and discussed this with them however they continue to report me as late even though when I log in on the website it shows me current, this is lowering my credit score tremendously.

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