BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: Mythe Huff & Murphy, PC
State: NC
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:
Attorney XXXX XXXX office located in Tennessee pulled my credit report without written or verbal authorization for unlawful purposes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Possible Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-01-27
Company: EVERBANK, NATIONAL ASSOCIATION
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:
XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning of XX/XX/XXXX all payment went through XXXX XXXX as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XX/XX/XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XX/XX/XXXX or XX/XX/XXXXthey held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially XX/XX/XXXX in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
inquires were placed on my credit report on XX/XX/XXXX thru XX/XX/XXXX i want to alert companies to remove inquireies and also make them aware that this is fraud and to not issue any credit

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 2018-01-27
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: Account information incorrect

Complaint:
On my XXXX credit it shows I work at XXXX which I don't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-09-13
Company: EQUIFAX, 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 have been trying for well over a year maybe to get 4 credit accounts off of my credit report. The items are XXXX XXXX Account # XXXX {$8300.00}, XXXXXXXX XXXX  Account # XXXX for {$8600.00}, XXXXXXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX. I am unable to dispute online or with customer service representatives as my credit report is said to be handled by a special department and its hard to get in contact with them due to work schedule. But I have mailed in my FTC Affidavits and police reports and Equifax still doesn't remove the items. Disputing as fraudulent and these need to be removed as it is causing me financial harm right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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:
I have attached an FTC report with inquiries I did not authorize and are fraudulent

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 2019-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank of america only allows last 30 days previous transactions to be disputed online. This is crazy to me as i need to dispute a charge and do not want to call their terrible call center. It seems like an attempt to reduce disputes, despite MasterCard and Reg-E allowing me unlimited timeframe to dispute a transaction unauthorized. 

Please change their practices, also you can not close an account online either.

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 2023-02-16
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The Texas Deceptive Trade Practices Act ( DTPA ) prohibits false, misleading, or deceptive acts in trade or commerce. 
I have been lied to, misinformed, and ignored by Honda Financial on various occasions. I want to bring attention to this matter. XXXX responded that I had a conversation with Honda Financialfailed to follow through on an agreement of making a payment on XX/XX/XXXX, so for that reason, Honda Financial is not honoring a deferment. That is not true I never had an opportunity to set an agreement, that is why I called after I found out but they told me I was wrong. This company has not lowered my fees or worked with me since I Lost my business during covid. Instead, I received a letter with false, misleading information. Cfp needs to step in I have a right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, 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:
XXXX, XXXX and equifax are reporting negative items on my consumer file without consent from me. As pursuant to 15 usc 1681b ( a ) ( 2 ) I never gave no company written instruction to furnish anything on my consumer file. I am requesting to remove these negative information from my report immediately this is DEFAMATION OF CHARACTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, 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:
Hello, My Credit Card/Credit Line Debt balance is showing incorrect.. 
Also, the late payments are inaccurate for XXXX XXXX for XXXX, XXXX XXXX XXXX  for XXXX, XXXX XXXX XXXX ( XXXX ) There are other discrepancies also, but this is a good starting point.. 
I have excellent payment history yet not getting approved due to the low score XXXX keeps showing..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Eastern Revenue, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notification that there was a collection account being added to my credit report. This account I am not aware of. I have filled out an FTC Affidavit and a police report attached. The account needs to be removed from all three credit reports and closed a s identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-03-01
Company: Capital Management Services, LP
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital Management Services , LP has a case of FRAUD. Stealing my information and reporting it on my credit report. I ask they delete this immediately. During a pandemic I have had my personal information jeopardized. Please have them delete all false and fraudulent claims off of 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
Consumer complaint received 2021-02-18
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I get my payment taken out of my account automatically every month to avoid it being late I have never missed a payment in French 2021 ally bank returned my payment I called them deb 3rd to Ask why and to pay my bill so it didnt report past due or not paid on my credit they assured me my payment pasted and cleared and Eve would be fine I told them I could pay today so that nothing happeneds to my account she once again assured me that it was fine my acc was paid and up to Date I asked her to note in my acc what was going on she said all calls are recorded so if they need to go back and listen to the call they can well 2 weeks later XX/XX/XXXX my car note is reporting not paid! I tried to call and now they are giving me one week to Come up with the money and not going to fix the credit reporting factor! This is wrong and I am very upset that due to a system error on there side my credit will take a hard hit

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for XXXX XXXX a day before covid, never been to the gym, but I was charged with XXXX  dollar, I cancelled my account. I shouldn't be charged

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
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: Account status incorrect

Complaint:
The FCRA states that it is EXPERIAN 's duty to report correct and accurate information on my credit report and file. However, they are not. EXPERIAN is reporting inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. These inaccurate late payments include 150 days delinquent on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, according to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give EXPERIAN written instruction/ permission to furnish these late payments on my report or file, violating XXXX XXXX XXXX 1681b ( a ) ( 2 ). It is CRYSTAL clear that EXPERIAN has violated my federally protected consumer rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.

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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Thank you for taking the time to read the complaint. After reviewing all credit reports XXXX XXXX placed a collection on the credit report from XXXX. I am requesting not a bill, however a signature to validate and possible contract.

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 2020-07-16
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this letter to document my verbal conversation with Flagstar Bank on Thursday XX/XX/XXXX and their customer service department. I was told that I had broken the loan modification terms for failure to communicate with Flagstar. 

The statement was made that FSB was trying to discuss with me the reason for my mother in law, XXXX XXXX being on title with my husband, XXXX XXXX and I and her failure to complete any paperwork for the modification. 

I explained that I had indeed tried to communicate with them last month when I was told verbally that there was a question regarding the title. 

In fact I was told in XXXX of XXXX, via a phone call that I made to FSB to check the status of my modification that XXXX, either a loan underwriter or supervisor needed to discuss with me the situation stated above in regards to my mother in law and title. 

I even confirmed the phone number for XXXX of XXXX and explained that I had returned her phone call and had left at least 2 messages that I can recall although there may have been more and that prior to the initial call in XXXX I was told that my loan was approved and all that was needed was a assignment of release from the previous servicer, XXXX XXXX XXXX, XXXX, XXXX. The assignment was completed and recorded on XX/XX/XXXX. I have attached the recording information. I also called again on Friday XX/XX/XXXX and left a message for XXXX. 

The original modification was set to be completed in XX/XX/2020 and since this time I have called, emailed and continued to ask when this would be made permanent and had been assured several times that the loan was approved and the assignment from XXXX/XXXX was all that was needed. I even contacted the attorney for XXXX XXXX XXXXFlagstar Bank and was told that they were dismissing the court case and that my file was still on hold for loss mitigation. A copy of that email is attached as well. 

As to date I still do not know the reason for the modification being rejected or if it has even truly been rejected., although my most recent mortgage statement suggests that it has. 

I have attached the following documentation for review : Assignment recording information Email from XXXX Previous mortgage statements Documentation of all payments being made In closing my XXXX payment will be made the same as the previous payments via phone with customer service and XXXX XXXX XXXX on XX/XX/XXXX. 

Please email your correspondence as it is much quicker than regular mail and phone calls do not seem to perpetuate any results.

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 2020-12-05
Company: Stern Recovery Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
STERN RECOVERY SERVICE a collection agency has placed a derogatory account on my credit reports THAT I HAVE NO KNOWLEDGE OF. they are attempting to collect on an alleged debt in the amount of {$310.00} for their client : XXXX XXXX. 

I never received a notice from XXXX that they were collecting on a alleged debt from XXXX XXXX. I was never given my right as a consumer which is federal law the opportunity to dispute this debt nor was i ever allowed to request validation of this alleged debt they just place this unknown / invalidated information on my reports as if it were valid when in fact it is not. This is a direct violation pursuant to the FCRA, FDCPA, and the Fair Credit Billing Act ... ... and possibly the HIPAA Act Additionally, North Carolina Courts allow for reasonable time to investigate into the facts regarding validation of a debt ... .reasonable time that I was never allowed

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