BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX. I pulled my credit report and noticed some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the an error on 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 non-monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 account # XXXX has violated my rights. 

15 USC 1681 Section 602 stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as law for any purpose.

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 2019-10-14
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2018 my wife lost her job and her brother, who had helped when he could, enlisted in the XXXX at the same time. It was like losing more than half of our household income all at once. We scraped by for a while, but one month we just couldnt put together enough to pay everything. We fell behind on our mortgage, and with the late fees, it started to pile up. 
When we were finally all working again and got enough to be able to put together a month or two, our bank declined the payment. They wouldnt take our money or work with us.They said they wouldnt do anything until we paid the entire balance. There were fees that wouldnt be explained and when they said we could apply for help, it seemed like I would send our paperwork over and over, but it was always lost. We applied for help in XXXX, XXXX and XXXX of 2018 and were denied every time even after we showed the proof of income they requested. After doing this for months, they said the only option was to give them the house. 
We have stable employment again, but we just cant pay twelve months of mortgage payments at once. We have been in foreclosure since 2018 and just want to save our home but the bank refuses to work with us and we feel we have been unfairly denied. Weve talked to many different representatives at our bank, repeatedly, but it doesnt matter to them that our crisis was temporary. They refuse to listen, or help. 
Please help us save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
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:
This is my Complaint about the negligence of the XXXX Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want them to correct : XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$310.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
My husband and I are both minorities and have been loyal customers to TD bank for a number of years. The branch on XXXX XXXX and XXXX in XXXX, PA has always shown some form of discrimination against us whenever we use the drive through services. On every single encounter, we are not served in the order we arrive, we are always asked for extra verification and information that isnt required of neighboring clients that arrive after us ( that happen to be XXXX ), and our wait time is always between 15-20mins for simple transactions. We never have issues at any of the other branches we go to. This branch needs to seriously reevaluate its employees and review its discrimination policies, especially to those who work the drive through area.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I tried to apply for the XXXX XXXX XXXX issued by Goldman Sachs. At the end of the application, it asks for a scan of an official government ID. I tried and tried to scan my passport but it kept rejecting it. There is no way to ask for help, no phone number, no chat bot nor email address to complain and ask for assistance. When I call XXXX  or Goldman Sachs they have no idea where to direct my call and just tell me to resubmit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, INC.
State: KY
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 been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows 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 non-monetary relief
Consumer complaint received 2021-09-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In late XXXX to early XXXX, XXXX, my Experian account was hacked and my debit card info stolen. During this time, the subject attempted to apply for several loans and credit cards and was able to open one with XXXX XXXX After I obtained access back to my Experian account, I placed a fraud alert. I was not notified of the XXXX credit card account until XXXX  XXXX once it popped up on my credit report. It said that this account owed nearly {$10000.00}. I did not apply for this account and contacted XXXX. I sent them the requested documents to their claims department as directed by the employee. Its been three weeks and I havent received a response even after sending several emails and voicemails requested a reply. This fraudulent account has also resulted in approximately {$3500.00} being withdrawn automatically from my checking account. I have received zero assistance from XXXX XXXX regarding this fraudulent 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 2022-09-22
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Completed a successful XXXX loan mod this year. I have a payment issue. My mortgage payment ( PITI ) as per the escrow analysis done on XX/XX/2022 is {$2100.00} starting XX/XX/2022. Selene Finance ( the servicer ) claims they errored in the analysis and are now asking for {$2500.00} starting XX/XX/2022. The taxes and insurance have not increased. The variable is ( {$4700.00} yearly ). They have not been able to explain other than stating the PI of the loan was calculated incorrectly. They claim the PI to be XXXX. I also asked Selene to remove the mortgage insurance retroactively from my account being that the property market value vs the current principal loan balance is well under the 80 % mark. They have denied this request with no real basis to substantiate themselves. Finally, they filed a foreclosure action at the beginning of 2022 that was finalized with a court order in which all parties were ordered to pay their own attorneys fees and cost. Selene added their fees and cost to my loan balance. I have provided a copy of the court order to Selene and have yet to see any action on their part to remedy this. It has been months and nothing to date. A payment was made in the amount of {$2100.00} for XX/XX/2022 and they have cashed this check placing the funds in a suspense account. My mortgage loan now shows as past due in Selene 's system. Please assist to resolve these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Experian Information Solutions Inc.
State: FL
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:
15 USC 1681c ( a ) ( 2 ) -Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( Does not meets requirement of the Fair Credit Reporting Act On Record Until XX/XX/2019 )

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 2021-06-05
Company: Kovo
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I signed up for Kovo, which is marketed to be a credit building service. Its actually a {$240.00} library of resource materials that the customer pays for in installments. The payment history is reported to the credit bureau. 

I do not want to purchase resource materials that I can get for free. This companys advertising is misleading and confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions 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:
Your failure to maintain reasonable procedures is disheartening and discriminatory. I have provided material information in the form of an identity theft report. I am asking to be treated fairly. I provided written instructions about my credit report. Again I am requesting deletion of erroneous, inaccurate accounts that were the result of identity theft. I am aware you are required to adhere to rules when it comes to identity theft and your refusal has caused me financial harm, risk, XXXX, marital issues, and undue stress. I also am aware that Transition is required to send the results of its investigation. In case you didn't receive them I have enclosed the results as an attachment

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 2019-09-10
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
-Made payment western union byXXXX XXXX -Made payment XXXX checking account on XXXX XXXX.-Made final payment for XXXX on XXXX.Had a phone conversation with Ally in XXXX total due on vehicle was XXXX Now they claim. I owe over XXXX. I recieved a letterswith conflicting amounts XXXX payoff XXXX   payoff. And last payment was made in XXXX they wont send me my title to my vehicle. My credit score went to XXXX  to less than 500 in 4 months. They wont send me the recorded conversation we had in XXXX till I agree to be recorded again that I owe. Now they have sent it to asset collections. Payments were in good standing over a 6 year period. Now they are requesting additional money. All I want is my title and my credit fixed.Loan ended in XXXX  of 2019. I thought I completed payment as of XXXX 2019. Tried to rectify in XXXXl will Ally final pay off was XXXX as of XXXX talked to representatives and made payment accordingly. Now there are additional charges.

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 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX XXXX Capital One XXXX XXXX XXXX Capital One XXXX XXXX, VA XXXX United States XX/XX/XXXX XXXX : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

( the missed payments are inaccurate ).

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX  that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX  in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from XXXX XXXX showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus ( Experian, XXXX, and 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 2023-07-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FLXXXX ; XXXX / XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$420.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
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: Public record information inaccurate

Complaint:
The County Recorder of Bankruptcy courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the County Recorder U.S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public records entries on my credit report, neither will they ever be by them, They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are report by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information currently showing under my social security number to be PERMANEMTLY DELETED from my credit report immediately.

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 2021-03-01
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 information incorrect

Complaint:
XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX  that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX   in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from Portfolio Recovery showing the agreement between XXXX XXXX  transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus XXXX XXXX Equifax, and XXXX XXXX.

Company response to consumer: Closed with explanation