BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
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 submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2022-11-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ; XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to remove my mortgage insurance with my Loan Servicer. I have a conventional loan and have had this loan for over 2 years. My value has increased greatly and my equity has increase to a point that i could request to petition this MI with a new appraisal to show my current value. I started this process in XX/XX/2018 and they have not replied back to me by letter or phone. I called the company on XX/XX/2018 and spoke to a customer service person and then a supervisor. I was told that they would have an appraiser contact my within a week and help me take care of this. As of today the XX/XX/2018 i have not had an appraiser call me. The company has called me and when i call back they tell me this is still pending. I can not get a straight answer from them and i feel like they are taking advantage of me. My father is a real estate appraiser and my mother is a loan officer and they know the rules regarding the removal of  mortgage insurance.

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 2019-12-21
Company: PENTAGON FEDERAL CREDIT UNION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I called PenFed Credit Union to submit an application for home loan. The call was answered by XXXX XXXX who asked me a series of questions and quickly determined I was pre-qualified for a loan. He proceeded to set up a portal for me to forward information and sign papers to continue the process. So far, so good. On XX/XX/2019 I was contacted by XXXX XXXX Identifying himself as my mortgage processor and he emailed a preliminary list of items needed to continue the process advising me to have them sent in 48 hours. Once received he stated, he would review with his underwriting partners. He went on to say once that review is completed, he would know the requirements needed get the loan in for final review with his underwriting partners and off to closing. One item on the list was my tax returns which I downloaded and forwarded on XXXX XXXX and was confirmed to have been received in the portal.The remaining items,17 pages, where scanned and emailed to XXXX at XXXX CST on XXXX XXXX from the XXXX  XXXX service desk in XXXX Mo XXXX Now hear this, I would NEVER hear from XXXX XXXX again!! Despite numerous unanswered phone messages and numerous unanswered emails trying to get an update on the process, I never got one response. At the same time, again on numerous occasions, I began calling and emailing XXXX XXXX trying to get answers but to no avail. Again, many calls and emails with XXXX have gone unanswered.On one contact with him on XXXX XXXX, I stated my case and I was told " I will look into it sir. '' Then, after XXXX instructed to resend the 17 pages, I responded by both emailing and faxing the same to BOTH XXXX and XXXX on XXXX XXXX. Never got a response. Furthermore, in the correspondence email from XXXX, the name of XXXX XXXX, XXXX was given as the person to contact with concerns. I called and left 3 messages on her voice mail that were never returned. Can you believe it? After 2 months I am no further ahead obtaining a loan than I was on XX/XX/XXXX and after XX/XX/2019, the last day I had a communique with XXXX XXXX, I was dropped like a rock. No closing date, no money, no communication. Period. End of my story.

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 2023-06-21
Company: Southwest Credit Systems, L.P.
State: NC
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:
On XX/XX/XXXX I got a notice on my credit report about an account going to collections in the amount of {$520.00}. But I have no clue what this debt could be or where it came from. I never received any notice or verification of this debt. Not even a phone call to try and collect the debt before reporting it. I get a lot of spam calls so I don't answer the phone if I don't know the number. I wait till a message is left so I can confirm the legitimacy of the call. I tried to go on to South West Credit Systems website and make an account to verify this but all information I put says there is no record of it. And I am scared to call because I don't want to be pressured to pay a debt I know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi. I paid for my credit report initially on XXXX/XXXX/2020 and found that two collection agencies were reporting inaccurate information to the three credit bureaus. It is to my understanding per the FCRA that I am able to dispute these inaccuracies with the 3 credit reporting agencies and that they will investigate. To date I have reached out multiple times and I have not received and VERIFICATION or PROOF that I in fact owe for one collection agency in the name of ACCOUNT RESOLUTION COR with the account number XXXX. They are reflecting a balance of {$180.00} on XXXX and a balance of {$260.00} on XXXX and a balance of {$180.00} on XXXX. This is in direct violation of the laws put in the place to protect me. Please assist me with this matter and have this account removed from my reports. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I spoke to my local US bankruptcy courthouse here is XXXX XXXX XXXX. I was advise by XXXX XXXX, that Bankruptcy court does not give out personal records regarding bankruptcy to ANY 3RD PARTY companies AT ALL. That is against the law to share any personal information with anyone. I have made many attempts to get the credit Bureau to remove of my credit due to the fact they had no rights to add the bankruptcy to my credit report at all without my permission.

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 2021-12-15
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company for {$5100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit Bureau Reporting Current address, since XX/XX/1989, XXXX XXXX XXXX, XXXX XXXX, TEXAS XXXX INCORRECT Reported Addresses : XXXX, TEXAS >>>Incorrect XXXX, Oklahoma >>>Incorrect Over the past year ... I've worked to update and make corrections on my credit report. 

The above 2 addresses STILL remain. I believe XXXX reports the XXXX, TX., and Trans Union , XXXX , Oklahoma . A few years ago ... I had another parties credit cards being reported on my credit. Through my own investigation, I learned the ss # associated was different. Which caused the credit company to request removal. The point. Reporting incorrect addresses, can lead to identify theft and other incorrect information being reported. 

I've lived at my current address since XX/XX/1989. Reflected by Federal Tax Rtns, Voter Reg, and Gov issued Id 's. This dispute request is for CFPB to please use whatever guidelines are available to resolve this matter once and for all. If necessary, I can sign sworn affidavit. Federal Tax Run, Gov Issued Id 's again.

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 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Problem with personal statement of dispute

Complaint:
I had an existing account with Bank of America and at the time i was doing freelance videography through a site called upwork. I was hired by an individual to do some work which they sent me a {$5000.00} check to be deposited into my account and hire a model for the shoot which is what i did. I never received any money from the bank, thank god, and the account was flagged for fraudulent activity which i had no knowledge of, im just and honest man trying to make and honest living and Ive never scammed anyone a day in my life. But Bank of America closed the account and put it on my early warning consumer report wnd refuses to remove it after I explained and showed them the supporting documents from the scammer

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: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called LoanCare on XX/XX/XXXX and was told a would get a reduced payment loan modification offer in 30 days. Its XX/XX/XXXX and it was not received. I called several times and after talking with service representative I a transferred and wait listening to music for an hour or 2 and then disconnected. Yesterday I got direct number - but it rings several times and disconnects

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 2021-12-15
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Recently I switched banks and notified the creditor of the new bank account, and requested that my autopay be updated to withdraw from the new account. Instead of updating autopay, they cancelled it altogether. After this, they also made it extremely difficult to log back into the payment portal ; even using my valid username and password, they required me to input a one-time passcode, but never sent the passcode despite several attempts from me to retrieve it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 5 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 non-monetary relief
Consumer complaint received 2019-12-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Dear Sir/Madam, I have a complaint for TD Bank. This bank is changing the dates of your transactions and when you make a payment which has caused an overdraft, you have to pay {$35.00} overdraft fee for the previous transactions while still you think you have money in your account. 

I made XXXX different transactions on XX/XX/XXXX and checked my account and saw all of them have been posted. At the end of the day, I withdraw {$500.00} which I'm willing to pay {$35.00} for. Today I saw they changed my other transaction dates as of XX/XX/XXXX charged the fee for each. I spent my own money and I had to pay {$170.00} for this. Customer service is not helpful and They kept saying there is nothing they can do. They told me I don't understand anything about this service but they are wrong. There is nothing to understand why do you have to pay a fee when you spend your own money. 

Is there any way that you can help me for this issue? This wasn't the first time but this was too much. It's just not fair and I kindly ask your help. 

Regards,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-21
Company: EQUIFAX, INC.
State: GA
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 tried to dispute the fraudulent inquiries through customer service and by disputing online through the credit reporting website and the fraudulent inquiries are still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Yes I paid off in full my comenity-XXXX the XXXX XXXX XXXX account in XX/XX/XXXX then they said I still owe XXXX so I paid that at the store ; so the next month I get another statement in mail saying I owe XXXX more so I called they claim they never received so I sent them a copy of receipt and they're still harassing me about now they've sent another statement this month XX/XX/XXXX saying I owe them XXXX $ when the said account was supposed to be closed in XXXX paid in full, tired of the harassment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt is XXXX XXXX  old 2003 a credit card with my ex husband. They just sent a wage garnishment from the courts. I am XXXX XXXX XXXX on social security and a government pension which are both exempt. How are they allowed to do this with a XXXX XXXX old debt. I believe they are a scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2019-12-21
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: Their investigation did not fix an error on your report

Complaint:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit B and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. XXXX XXXX Copied from the affidavit attached ) **** Alleged Account XXXX : XXXX XXXX auto Alleged Account # : XXXX Alleged Account XXXX : XXXX XXXX Alleged Account # : 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 2023-09-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a complaint with Bank of America XXXX  prepaid card they denied my complaint I put in for reconsideration that as well was denied there's a federal lawsuit against Bank of America right now that they're not to freeze block or deny any claims due to the XXXX fraud A new card was sent out to me but no credits were ever applied

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 2023-09-12
Company: EQUIFAX, 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:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX, and Equifax have all received that the credit card XXXX XXXX XXXX XXXX Account XXXX is a business credit card and should not be reporting on my personal credit and all three credit buraus have received the information that this is a business credit card and continue to keep this card on my personal credit.

Company response to consumer: Closed with explanation