BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: Synovus Bank
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I haven't provided evidence in accordance with the doctrine, so you may assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1.

Please evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence of your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature bearing my signature bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TransUnion and XXXX  is not allowing me to get access to my mortgage credit scores. I recently made an application to get a first time buyer 's home mortgage loan. When I received my scores from the lender I was not aware of the scores they sent me, a copy of the scores TransUnion and XXXX  provided them. These score are TransUnion 's XXXX  XXXX XXXX and XXXX  's XXXX XXXX XXXX model scores. I was able to get a copy of XXXX  's XXXX, XXXX XXXX XXXX score from a membership subscription they provide to me. My mortgage score from TransUnion and XXXX  seems to be impossible to obtain. I need access to these mortgage scores from these two credit bureaus to know what they are before applying for a home loan. They are using different models with XXXX XXXX XXXX XXXX XXXX  XXXX ) which is easy to obtain, but this is not the scores used to get a mortgage loan. I recent had an issue with TransUnion not updating and report accurate credit card information. I believe this caused me to be denied over one point ( 619 ) with TransUnion 's XXXX XXXX XXXX due to not reporting accurate account information on my credit report. Yet, without me having access to the correct credit score model for a mortgage, I am in the dark of when and how this score is updated/calculated. I have a monthly membership subscription with XXXX  with the XXXX XXXX  XXXX score of ( 659 ), but they are not providing me with the XXXX XXXX XXXX score to know my mortgage score. The same issue with TransUnion 's XXXX XXXX  XXXX of XXXX. This is very confusing because these two credit bureaus agencies are not being fair on the access to the mortgage scores that the mortgage lender pulled with the application I submitted on XX/XX/2020. If XXXX  can provide access to my mortgage credit model score, I should have the same fair option to obtain these hidden score from TransUnion XXXX XXXX XXXX XXXX XXXX and 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 2019-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX, XXXX, XXXX, my aunt attempted to lend me {$800.00} via XXXX. She used my email, which I didn't know at the time, was linked to an old Capital One account. I had not used the account in years and was unaware of why it was even still open to begin with. We attempted to cancel the transaction by calling XXXX, which is my aunt 's bank. They said they couldn't do anything because it was already accepted by Capital One ( my bank ). I then called Capital One because I had no access to the funds in that account. I tried to get them to tell me why I had no access to this account but, they wouldn't really answer my questions, only that it had to do with something from years prior, like I mentioned before, this account hadn't been used since XX/XX/XXXX, why it was still open in XXXX is beyond me. I tried to ask Capital One what were my options in order to either get the fund released to me or even sent back to my aunt. Capital One informed me that they would mark my account to release the funds back to XXXX XXXX  as long as they received a letter from XXXX stating to do so. My aunt said she spoke to XXXX on two separate occasions asking for them to request the money back and they informed her that they did. When I called Capital One again, they said they never got anything. 
Basically, Capital One is holding onto my money for no reason what so ever because the account is not and was not overdrawn prior to the money being deposited. There was no pending charges either. I even spoke to the company XXXX and they refuse to get involved. This has been going on for months with nothing happening from either bank. I've tried to get this solved numerous times to no avail. Capital One is wrongfully holding my money that is rightfully mine. There's even a banner on my account now that states " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I have statements from my Aunt and her bank that they have tried to work with Capital One to get the money sent back to her, but have yet to receive a response from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Under the FCRA I have the right to have promotional suppressions placed on my account without requiring a full account freeze. Over the past 2 years, I have written TransUnion, both via certified mail, and through their Live Chat feature to have this suppression added to stop creditors from accessing my information and sending me promotional credit offers. TransUnion has repeatedly ignored and directly denied ( in writing ) my requests.

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 2022-10-05
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX credit card paid off as soon as I got unemployment from the Covid epidemic XXXX XXXXXXXX Sold my debt apparently according to credit report Also this was all during Covid epidemic

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 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 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 2021-07-09
Company: CarMax, 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:
I overpaid my car loan and now I am awaiting a phone call to explain how they neglected to apply additional payments to my principal and how they adjusted the final payment from XXXX to XXXX to keep a credit of {$110.00}. Keep in mind my account was set on auto pay I was never late but somehow they couldn't understand the payment schedule they created to receive a bonus amount at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive any notice of this debt showing on my credit report until I seen my credit drop due to this unrecognized debt occurring on my credit report. I had no prior knowledge I had owed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: General Motors Financial Company, Inc.
State: FL
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:
We were looking for a new car at XXXX XXXX GMC located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL. We never came to an agreed price for the vehicle or our trade so how could they possibly put through a loan app. not knowing how much we ; d need? Without our permission or knowledge they sent out multiple " Indirect Loan '' inquiries. We are now receiving letters of rejection from XXXX XXXX, XXXX  XXXX, and XXXX knows who else 's rejection is headed here! They have messed up our credit history and the wrong information now needs to be corrected. They had no business doing this without notifying us. We have our own banks, we'd never have dealt with one of theirs. We've filed complaints with the XXXX, GMC, XXXX and now the CFPB. The sales person told us she was going to check our credit rating not apply for a {$27000.00} loan for a used car with a sticker price of {$21000.00}!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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:
The following inquiry is unknown to me : XXXX XXXX XXXX - XX/XX/2019. Please investigate and delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: MOHELA
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: Reporting company used your report improperly

Complaint:
As a natural person, who is federally protected I did not give this consumer reporting agency written permission to furnish any accounts on my consumer report according to 15 USC 1681 ( a ) ( 4 ). It is an invasion of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Also, according to 15 USC 1681a ( e ) factual information shall not be included on a consumer 's credit record. This consumer reporting agency is in violation of three federal laws. I demanded her to remove the accounts referencing federal laws as a protected consumer exercising my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is in regard to a previous complaint I submitted on XX/XX/2023. The company responded with an itemized statement of charges. However, the account numbers provided on the statement, do NOT match the account numbers provided on my credit reports. As I mentioned in my previous complaint, I have disputed these 2 collections numerous times, due to the inaccurate information being provided/reported. These collections are also medical bills, below {$500.00}, and from what I understand, they will no longer be reporting under {$500.00}. 
The itemized statement also states that the accounts were Write Offs, for this company. And I also never had a contractual agreement with this company, nor have I ever given them my permission to share anything whatsoever on my credit report. How many laws are being broken/violated by this company? One too many for me! I am requesting the collection accounts be removed, ASAP, as well as monetary relief for the following violations, for the last 4 years that they have negatively impacted my consumer report. 
15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Violation of TILA 15 U.S. Code 1666 ( b ) Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose If you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed above. Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result in the above actions being taken against your company in small claim state proceedings ; I will also be seeking monetary relief of { {$1000.00} } per violation for : 1. ) Defamation of Character 2. ) Negligent infliction of Emotional Distress 3. ) Violations of 15 U.S.C 1666 ( b ) & 15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 got a copy of my credit report and have noticed some accounts that i have zero knowledge of. I have contacted the following companies about these accounts and have supplied them with the necessary documents to have them removed, yet the still are being furnished. see attachments

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 2019-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After having a checking and savings account with BOFA for over 10 years, I was the victim of fraud. Bank of America chose to close my account and failed to protect me pursuant to federal law that protects consumers from fraudulent activity and further restricts financial institutions from closing accounts as retaliation for reporting fraud. Notably, I recall having a balance of about {$1300.00} in my checking account at the time of closure which was never sent to me in the form of a check. I would like the money I am owed from BOFA or I will file a small claims lawsuit.

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 2022-11-22
Company: EQUIFAX, INC.
State: LA
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 submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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  Bankruptcy XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Experian Information Solutions Inc.
State: GA
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 recently disputed incorrect info on my experian credit report It is a bankruptcy filed XX/XX/2013 and a XXXX XXXX card XX/XX/2013 for XXXX that says it was included in a bankruptcy I have disputed it several time as not mine and they have refused to do anything about it. Now they will not even allow me dispute it anymore. It is effecting my score greatly. Thanks for your help.

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 2018-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX client, XXXX XXXX is a victim of identity theft. She received an XXXX  credit report and was notified of an inquiry made into her credit file from three creditors concerning fraudulent applications submitted ; Capital One XXXX XXXX, inquiry made XX/XX/2018 ; formal dispute was submitted XX/XX/2018 ( no reply was received concerning dispute ) ; XXXX XXXX, inquiry made XX/XX/2018 ; formal dispute mailed XX/XX/2018 ( no reply was received ) ; XXXX XXXX, inquiry made XX/XX/2018, formal dispute mailed XX/XX/2018, ( no  reply was received ). A current XXXX  credit report still has these banks listing the now know fraudulent related data and each of these banks are in violation of my clients federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have this Mortgage Account opened with XXXX XXXX XXXX ( XXXX ) which is also known as United Shore Financial Services , LLC Account No. XXXX, they opened by Mortgage Account on XX/XX/XXXX. Based on all the documentation I submitted and house Value, they came up with the payment of {$2700.00}. 

The distribution is in this manner - Principal {$580.00} Interest {$1900.00} Escrow Amount ( for Taxes & Insurance ) {$180.00} it comes out to be a total of {$2700.00} {$180.00} is the PMI ( private Mortgage Insurance ) which I pay monthly. 

So when they approved the loan they already calculated my taxes and Insurance and accordingly how much my PMI should be. 

Now three days ago XXXX sends me this letter which states that they have increased my payments from {$2700.00} to {$2800.00} because there are changes in taxes and insurance of my property ( please see attached ). 

I called XXXX and spoke with the Supervisor and he said my Taxes and Insurance has changed and that is why they will increase my monthly escrow ( PMI ) payment from {$180.00} to XXXX ( XXXX has made an increase of {$45.00} ). 

Well, I have my Home Insurance through XXXX and their insurance for the whole year is {$420.00} which is already paid. 

I also called the county assessor office on XX/XX/XXXX and the assessor office told me that my house taxes haven't been prepared yet as I just bought the house 5 months ago and system hasn't registered my name yet, so they don't even know how much are my house taxes yet. So I do not understand on what basis XXXX is increasing my Escrow amount. 

When I asked the XXXX supervisor about this, he sent me a PMI disclosure ( Please see attached ) which doesn't mention anything that PMI will be increased anytime and out of no reason, in fact it just states " PMI protects lenders and others against financial loss when borrowers default. Charges for PMI are added to your loan payments. '' So this is an extortion from the Lender.  People in southern California can not afford to buy the house, those who can face big extortion from companies like XXXX. 
They haven't learned the lesson after loosing a Lawsuit in XXXX over bad FHA mortgages and settling the case for {$48.00} XXXX. 

They just increased my PMI by {$45.00} out of their whim and have no explanation to it.

Company response to consumer: Closed with explanation