BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
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:
In according with the Fair Credit Report Add this creditors reporting late payment on my credit report have violated my right under 15 U.S.C.-1681 section 602- say I have the right to privacy 15 U.S.C. -1681-6048-section 2- confirm a consumer reporting agency can NOT furnished on account without my writing instruction. Under 15 U.S.C. 1666 B. creditor my not treat a payment on a credit card account under an open a consumer credit plan as late 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 2019-11-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Presently asking to have the support with the monies in escrow immediately released to present roofing company that performed the work and must be paid and must help me to complete my closing XXXX XXXX to provide a noc termination. My closing is late and monies held against my many requests to release these monies to pay roofing company that has completed the project. Monies are to be released immediately and w my  request to have a copy of this protected escrow agreement is to be respected too. 
I have no copy of the agreement and have asked this many times and asked to be released to the contractor {$19000.00} + {$9000.00} to XXXX XXXX immediately Have been asking to have this completed more than 2 months. This is monies that is insurance monies and the work has been completed and we have been previously asking to have this pretty much 2 months beginning XX/XX/2019. 
The {$6500.00} is to be credited to my payoff to close my loan XX/XX/2019. 
The bank has been holding on to at least {$40000.00} close to 2 years in a protected account and I have asked to have the agreement on the account protected escrow and where has the interest been on this monies. The people at Rushmore Loss Draft keep on pushing me from person to person without any cooperation and have been many times requested to release the payment in to the roofer and to put monies that are above this in my payoff {$6500.00}. This was to be completed XX/XX/2019. 
This is now late and my payoff {$120000.00} was to be completed then. They are holding on to my monies and putting more monies on me and I have asked the to work with me and now my home is in a vulnerable position and they are sending this in to have a court date of my home to be sold on XX/XX/2019. 
Please help this is very serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 changed my legal name in my local circuit court on XX/XX/2019. Then changed with SSA and Virginia DMV. Also changed with 36 banks and online vendors. It has been over 2 months now and the 3 credit reporting agencies have not picked up my new name. Several services such as XXXX XXXX depend on the CRAs as their source of information and won't update it directly. So I suffer because of the delinquency of the CRAs. I have tried to file disputes, but they don't have a way to dispute your name of record. What can I do to get this messy business of legal name change finally cleared up and resolved?

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 2019-04-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
This is XXXX XXXX. I used this card to do my Experian credit reports and after the initial month cancelled it from the account as well as removed it from the account. A week later I was still billed for the service that I had cancelled which has caused me to be overdrawn. I have tried to call Experian to resolve this matter and can not get a live person on the phone. I do not want this service anymore and can't afford it. Stop rooting out old forms with my info and charging my. Refund my money and I'll be done with this.

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 2023-03-08
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
Equifax deleted XXXX acct : XXXX because it has been over the allowed seven years on my credit back in XXXX XXXX XXXX since then they have re-aged the accounts Date Opened from XXXX  to current showing XX/XX/XXXX. i have disputed this account numerous times for inaccuracies especially when the date opened was XX/XX/XXXX and it was verified multiple times, but now they have blatantly re-aged the information on this account. Also it appears that even the account number may have been altered or cganged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My ex-girlfriend added me as authorized user on her Bank of America credit card, when we broke up I returned the card to her and asked her to remove me as authorized user. Now I am trying to apply for a loan but I can't get the loan because she never removed me as authorized user and the account is in charge-off collection status. I have no clue about her or I don't know where to contact her to request again the removal. I called today Bank of America and I explained them I DON'T WANT TO BE AUTHORIZED USER OF THIS ACCOUN, however they said I can't request that and the primary user of the account should request it but how if I can't get a hold of her.

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 2019-04-27
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Received a car XX/XX/19. One month later XX/XX/19 financial manager said to return car after bank withdrew my loan. After being welcomed by the bank one week after XX/XX/19 I went in again to sign another loan with an additional increase of {$50.00} for the loan and signed another sales contract. I highly suggest that you get approved before driving off the lot because this dealership is not right. Ruining my credit and inquiries. These all need to be removed for my own good!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: U.S. BANCORP
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We sold the house that had a HELOC through US Bank. The title comoany requested a pay off to close, I signed a authorization for a pay off and close. They recieved the funds on XX/XX/XXXX and applied it as a pay off to XXXX. I recieved a check with a letter stating my account had been paid off and an overpayment was issued, so I cashed it. Then on XX/XX/XXXX I noticed a balance still owing in that account, called the customer service number, not able to speak directly to payoff dept. finally after several calls the notes are stating that an error was made and if I send them the balance of XXXX they will back date the payment and refund me what was left. I have a letter stating the account was paid off. So now Im confused. They at no time notified me of the error. I have done all the leg work to find out what happened. The customer service reps have been helpful but every time I call in I have to explain AGAIN what is going on and they repeat the exact same thing back to me per the notes. I am frustrated That they messed up and now they are charging me for interest. They also are reporting to the credit bureau as me being late.

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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following hard inquiries were not done by me as I suspect it may be fraud and it's reporting on my credit report : XXXX Credit Inquiry to XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2020-12-04
Company: EQUIFAX, INC.
State: TN
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 sent out original dispute letters to all 3 credit bureaus on XX/XX/2020. After not getting any investigation results back I sent a 30 day demand to comply on XX/XX/2020. These agencies are not abiding by the law or holding up to the Fair Credit Reporting Act. I have still not received any investigation results and I want my items deleted. This is my second complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: LA
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:
I was checking my credit report and I observed that there is a bankruptcy that is reporting on my credit report. So I wrote a letter to the Bankruptcy XXXX in XXXX XXXX and they sent me a letter stating that they do not report bankruptcies to the credit bureaus. I sent a letter to each bureau previously and they said that they had validated it with the courts. So that information was not true. My personal information is supposed to be protected as a consumer. This a violation of my right to privacy reporting this to Experian, XXXX, and XXXX. Also dishonest disputing methods were used because nothing was able to be validated as accurate.

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 2023-01-24
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: Account information incorrect

Complaint:
TransUnion continues to house incorrect invalidated information causing great harm and damage to my personal life/consumer report. 
TransUnion continues to violate my consumer rights, while breaking the law by ignoring FCRA FDCPA and XXXX XXXX compliance guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
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 not my account, I never consented in this account being opened nor it being reported to and credit reporting agency. I have no knowledge of this 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 2021-11-05
Company: OPORTUN FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had never received the card in the first place and I got not one but 2 late fees of {$35.00}. I was unaware that I was getting charged these fees because I never got the card and they never called me. They did waive one of the late fees. Please waive the other. I should have a balance of - {$70.00}. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: FIDELITY CAPITAL HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I've filed multiple disputes on an account that is inaccurate on my credit report with the credit bureaus, however they continue to report that the information has been confirmed as accurate by the collection agency. I've requested from Fidelity Crd to verify the information that they are reporting is in fact accurate, however they have failed to provide me with anything. As many times that I've disputed the account, advising of inaccuracies between the reporting of different bureaus, XXXX XXXX XXXX XXXX Type, request for FCRA Compliance Date and Date of First Delinquency/Last Activity, I haven't been able to obtain the information. The FCRA states that if an item is reporting on my credit report, that item must be accurate and verifiable. Fidelity Crd has failed on both of these instances. The Credit Bureaus have also failed their duty in " Conducting a Reasonable Investigation '' as they were made aware of the issues regarding the account. During my research, I've found that " Parroting '' isn't a legal way to conduct an investigation. When I requested the credit bureaus method of verification and to review the documents that they have physically reviewed to confirm the accuracy, they blatantly ignored my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: NC
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:
Did not authorize these inquiries Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXF 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  XX/XX/XXXXXXXX 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 XX/XX/XXXX Equifax inquiries Inquiry details 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax unauthorized inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: REGIONS FINANCIAL CORPORATION
State: AL
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 had a account with regions and I stayed getting a overdraft charge they couldn't explain where and how i got them I went and talk to a representative in the bank he was very rude and told me it's nothing he could do until I pay the balance

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 2021-09-14
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our second mortgage was discharged in a bankruptcy and the company Shellpoint Mortgage Serving also " wrote off '' the debt. We are requesting a letter from them stating this has been discharged so are insurance company does not require checks to be sent to them as they have cashed it and left us without funds.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid a XXXX card in full but there was accumulated interest that was not on my statement. I was not made aware of that until after I had a 30 day late put on my credit report. I paid the balance in full soon as I found out about it. I contacted XXXX but they would not correct the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi dear PayPal team! 

My account : XXXX has been limited and I need to appeal or remove these limitations from it since I need to use it again : XX/XX/2018 : We need some more information about some of your recent sales. 

( Your case ID for this reason is XXXX. ) XX/XX/2018 : We need additional information on your recent transactions and account activity. 

( Your case ID for this reason is XXXX. ) I need to appeal or to remove these limitations and I would be so happy to continue using PayPal. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Chime Financial Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed out of some money for two vehicles. Once I realized it was a scammed, I then called Chime to report it. They said it was nothing they can do. I then called to dispute with unauthorized payment. They denied the disputes. 
There are 2 {$450.00} payments, 2 {$100.00} payments and 2 {$600.00} payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to call XXXX several times, been transferred and the line disconnects or I am placed on an endless hold. No resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: MIDCOUNTRY FINANCIAL CORP
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Acct is reporting inaccurate late payments and never late

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 2021-10-02
Company: ERC
State: CA
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 have contacted the original creditor for these accounts and explained that I have been a victim of identity theft for many years now. This has has effected my life in so many ways. i have sent in prior FTC reports showing that i was a Vitim of identity theft and these companies continue to harass via mail, by phone, and also by reporting negative and false information to the credit bureaus. I have also requested supporting documentation signed by me and there has not been any response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: TCF NATIONAL BANK
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This company continues to apply payments incorrectly after asking them to apply to principle. They make it very complicated on all matters. I have set up payment arrangements and they refuse to adjust if needed. They offer for you to speak to one person " the account manager " who is never there. If you inform them it's not a fair practice, they leave you on hold continuously as punishment. Recently on XX/XX/XXXX and XX/XX/XXXX they refused to allow me to change my payment amount. This company reports you to the better business bureau incorrectly. If you review other customers online we all complain about the same issues. Their practices are not regulated therefore they could care less about the customer. A consumer lawsuit is on the horizon due to all of their unethical practices as a company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation