BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Trans Union incorrectly listed a credit card balance o na XXXX XXXX. I filed a dipsute. Instead of fixing the error and updating my balance they erronesoulsy just DELETED the whole account from my credit file. That is totally incorrect response. Thjey need to ADD the XXXX Account BACK into my credit report and UPDATE the BALANCE on the account to XXXX ( XXXX ). The DATE TRANSUNION completed their investigation was XX/XX/2019. The amount disputed was XXXX Balance. The current balance is XXXX. 
I could not dispute their action online and I have not been able to get them to re-instate the account by phone.

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 2021-08-17
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FTC filed Macy departments account is no obligation of mines and was the result of identity theft. Macy refusal to remove this fraudulent account violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691

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 2018-01-25
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
TD bank opened an account without my authorization. I advised them, but they keep sending me statements and state I owe them money. I had security alert on my reports, FREEZE as well, and they should have never opened an account in my name with all of the alerts I 've had on the credit report. They do n't want to resolve this issue and closing the account. I keep getting statements that I owe them money etc. I have never opened the account and they fail to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
After Wells Fargo closed my Time Account and stole the {$6500.00}, I called and closed my checking and saving accounts with 3 different agents. 
To NO surprise, the accounts have remained opened and they are allowing companies to withdraw from the account, thus creating negative balances. 
All this in retaliation of filing complaints against them for fraudulently raising the interest on a credit card without my knowledge AND closing the Time Account, thus pretending they need 90 days for find a so-called check they sent. 
These people are white collar criminals to the nth degree. 
Upon calling them tonight ( XX/XX/19), the Supervisor could not close the account because closing it has been prohibited ; so they can continue to charge fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a second loan that was owned by XXXX XXXX and went dormant when the market turn bad. Years later the loan was purchased for pennies on the dollar by XXXX XXXX XXXX. Back in XXXX this bully company filed a notice of default after they purchased the loan and started strong arming me to pay or they will foreclose. At that time the lender committed procedural errors. Respa, Fair Debt Collection Practices Act, Home owners Blll of Rights, Loan Modifications violations. They said they would modify only if I paid them $ XXXX which I did so to modify. XXXX XXXX demanded this money as profit and if I didn't pay it they said they were going to foreclose on the property. This sounded illegal but I agreed because I didn't want to lose my house. So now XXXX XXXX has filed another notice of default. I ran into a few financials hurdles that I'm fixing at this time. I called to try to work something out with them and they refuse and want {$14000.00} ( incorrect amount due ) up front which they know I don't have at this time. So now they are taking this opportunity to try to steal my home. They did not follow the states preforeclosure loss mitigation requirements, mediation options, options to avoid foreclosure. I filled out a RMA and sent back to the servicer and the owner responded with a denial stating I failed the first loan modification. How did I fail it, it cost me $ XXXX to even get the loan modification that was given. This company is XXXX XXXX  to take my home that I've had since XXXX. I am willing to work out some type of payment plan to resolve this matter ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Premier Lending, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refi application of my primary residence with Premier lending inc, XXXX  CA XX/XX/XXXX, I submitted all requested docs and kept supplying all docs for 3 months, the last 6 weeks I have been waiting to draw docs and no answer to any of my questions, I honestly believe there is a discrimination against me, and there is malicious intention to delay the process but I can not identify the motive behind it This delay is causing me to force to sell a property that i would not have to sell otherwise My trial to resolve the delay was not successful as there was no answer to all my questions and emails and texts, i asked to speak to the CEO or the CFO but they have not responded I assumed that they are trying to stall fro funding as they are loan originators well but I Have a jumbo loan, and they only do the UW but not the funding, So I am Puzzled an don't know if i am contacting the right agency, PLease advice on where to report them so that their license can be revoked or suspended?

i have all docs requested and sent to be furnished upon request, and all email an dtext communications available upon request cpmany info XX/XX/XXXX Jurisdiction : CALIFORNIA Entity Type : DOMESTIC STOCK Status : ACTIVE Agent for Service of Process : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Entity Address:XXXX XXXX XXXX XXXX XXXX   XXXX  CA XXXX Entity Mailing Address:XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Starting towards the end of 2017, I began getting almost daily recorded calls from Transworld Systems , Inc., saying it was very important I call them to resolve a debt. The recording said toe call XXXX XXXX XXXX at XXXX. Since I knew I had no uncollected debts, I asked my accountant to the call the number. She did, and said it was clearly a scam - the company could not identify any unreported debt, but simply kept asking for personal information about me, such as Social Security #. She asked them not to call anymore. 

Nevertheless, I get these robocalls almost every day. This is obviously a fraudulent attempt to gather information about me. If it were a real debt, they would put it in writing and mail me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Commercial Acceptance Company
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: Account information incorrect

Complaint:
I filed a complaint against commercial Acceptance, they responded with an inaccurate information. I never received services from XXXX XXXX or Commercial Acceptance. They must provide full verification of any such transaction with a contract that have my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have called to opt out of overdraft service, so that all transactions that would overdraw the account should just be declined. The bank falsely told me that that is not possible. I later learned that there is a law that requires them to allow me to opt out. When I saw such transactions pending on my account on XX/XX/XXXX, I called in to request complimentary stop payments, but the bank refused.

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 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT /ACCOUNTS SUBMITTED/OPENED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES.

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 2018-01-25
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Southwest collections is still reporting the account as being an open account, when it should not be. In California there is a 4 year statute of limitation an open account. The original company was the XXXX so the account has also been reaged to when Southwest collections got it. I am requesting a verification of this account, which I am entitled to within 5 days of request.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had a private student loan from XX/XX/XXXX for 3-4K and have had no contact nor received anything from this company Citibank Student loans since XX/XX/XXXX-XX/XX/XXXX.  This collection agency claims that now my balance it XXXX and because it was charged off in XX/XX/XXXX that they can still report this to my credit agency even though it is past 7-10 years. I was willing to work with them so long as they remove it from my credit report but they say the time starts again in XX/XX/XXXX since Citybank charged it off.

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 2020-12-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never done any type of business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX. The accounts are errors 623,611 609 FCRA and need to be removed at once. I am in the middle of closing on my new home and these errors are holding me up from my new home purchase. I have attached a copy of my ID and SS and a request for a NEW UPDATED CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed this account and also this account was open during time of fraudulent activity on my credit and I have filed a ftc report and also another one and this account is listed inaccurate and it needs to be deleted and THIS IS NOT MY 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 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XXXX XXXX, 2018, I mailed a letter to TRANSUNION disputing erroneous information I discovered in my consumer credit file that was publish for others to view by TRANSUNION. 
Under the FCRA act I expected TRANSUNION to investigate my disputes, delete or correct the information. To ensure accuracy I mailed the letter using certified US mail. 
To date TRANSUNION has failed to respond to my dispute and it has been more than 30 days. 
I would like your assistance ensuring that big corporations comply with the law. If after 30 days TRANSUNION is unable to verify the negative information I insist that they delete the information from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: ID Analytics, Inc.
State: NY
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 have disputed information with Sage Stream for years with no avail. Sage Stream refuses to remove fraudulent information, they knowingly list on my report. I also have proof that their credit optics score is showing a low score regardless of negative information falling of the latest report. Score dropped from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX XXXX XXXX was recently removed and regardless of negative info falling off, the score dropped. Sage Stream optics score is designed to hurt the American Consumer. They attempt to keep consumers at a low score in hopes to sell consumers " consumer credit repair products '' for a profit. Sage Stream is colluding with multi national organizations to scam consumers for credit repair when they don't need it. Consumers need protection from Sage Stream. 
Sage Stream refuses to remove fraudulently listed information listed on my credit report. For years, they have retained fraudulently reported information, regardless of my communications with the company. Sage stream places the onus on the creditors that report to them ; however, I have confirmed with the creditors reporting on their consumer credit report that they have requested removal, and Sage Stream has not complied. Sage Stream violates the fair credit reporting act guidelines and needs to be fined by the FTC. Furthermore, the Sagestream " optics score '' is flawed. The score goes down regardless  of negative info falling off. 
XXXX needs to be removed as well. Also, phone number on file, I have used since XXXX, yet sage stream reporting " limited info at this phone number, '' they rate me based on phone changes which is a false narrative, lived at listed address for over ten years, I should have 0 inquiries. The score should be a perfect XXXX, regardless of their objections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax, XXXX, and XXXX  are unfairly setting my credit scores. In the month of XXXX, my credit score dropped ~30 points down to a XXXX due to an incorrect late pay reported by my mortgage company ( XXXX XXXX ). I got this corrected and saw no adjustment in my credit score. My credit just dropped another ~30 points because my credit balance increased ~XXXX. I believe Equifax is displaying unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: GA
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 recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : 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 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 2021-08-17
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : OPORTUN/PROGRESO FINAN Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: KEYCORP
State: SC
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:
I applied for a student loan refinance w/ XXXX XXXX XXXX a division of KeyBank XXXX on or about XX/XX/2021. They advertised competitive rates along with a bonus of {$500.00} if you opened a checking account and funded with a {$2500.00} ETF. After a month of providing numerous documents ( I am a self-employed ), they denied my application for my self-employment length. 

My issue is that they knew this from the beginning. They were provided a profit and loss statement from my business at the start, previous years tax returns, etc. My debt/income ratio was strong along with my credit score. However, at the very end ( likely because the debt amount and interest rate offered would not recoup the {$500.00} bonus they offered to me ) they arbitrarily declined my application without allowing any discussion. 

My major concern is that towards the end, I consented to a hard credit pull. Now, they have harmed my credit for any other refinance opportunity based on a decision they knew from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have called and sent In letter to credit agencies about deleting my wrong name my new name XXXX XXXX XXXX  XXXX XXXX And my only address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Nevada XXXX I would like XXXX XXXX XXXX deleted off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation