BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
gentleman. I did apply and approve for my home refinance mortgage with bank of America. they took in advance around {$500.00} for credit report and home appraisal.

the loan officer made a mistake and after the loan was approval by the underwriting said my loan was cancelled because I was in a temporary loan modification with my present lender ( XXXX  ) I disclose that at the beginning, verbally and in writing in the application of the refi. 
the loan officer told me that, was not a problem ( the temporary modification ) so he collect the money for the appraisal and the underwriting approve the loan. 

later on, someone review the application and said the temporary loan modification was a problem and denied the refi. But I told them at the beginning and mr XXXX and XXXX told me that was not a problem. so they took my {$500.00} and refused to return the money and get in contact with me .loan officer Mr XXXX XXXX XXXX XXXX ( XXXX ( XXXX ) XXXX XXXX manager XXXX XXXX XXXX XXXX XXXX ,XXXX XXXX they made a mistake and made me paid for an appraiser I want them to get in contact with me and get my money back. 

Mr XXXX told me I ll received a letter that explain why my loan was cancel. 
they lie to me never received any letter and they don't answer my calls. 
I want a writing explanation and my money back. Please help me. 

yours XXXX XXXX XXXX XXXX XXXX manager 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 explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.

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 2021-01-31
Company: EQUIFAX, INC.
State: MN
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 got a copy of my credit report from Equifax and found an inaccurate bankruptcy listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as XXXX. Public Records cant be validated due to the FCRA Privacy Laws. If Equifax cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy, if the Bankruptcy Court and 3rd party vendor XXXX doesnt verify Bankruptcies? I have attached a letter from XXXX that this bankruptcy is not reporting under my credit profile with them. This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the MN Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I extend my appreciation for your previous efforts in addressing certain fraudulent items in my credit file resulting from an alleged identity theft. However, it has come to my attention that specific items persist, requiring additional attention and resolution. This marks my third complaint, wherein I declare myself a victim of identity theft and submit a dispute for the remaining items in my file associated with this crime. I wish to underscore that the contested items bear no relation to any transactions involving the acquisition of goods, services, or funds that I have personally authorized. I kindly request the removal of the reporting of these distinct items from my credit file, attributing them to the alleged identity theft. For your reference, I have provided the relevant details below : -- -- -XXXX  XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX -- -TRANSUNION -- -- XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. These items were previously unknown to me, and it is noteworthy that the information you provided on them has already been deleted from other bureaus. Consequently, I harbor doubts about the accuracy and reported history of these items in my credit file, as outlined in accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2022-12-13
Company: EQUIFAX, INC.
State: AZ
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 am in receipt of my most recent consumer reports. As per recent correspondence, I have requested for my consumer reports to be updated and reflect the following information as follow : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX All other names, addresses, ssns, employer and phone numbers does not accurately reflect me and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This morning I checked my checking account and found that there were funds taken from my account twice - once from the previous month, and this month - services I already paid for, and that were deducted from my account on the days they were reported. My account, on the days in question had about a thousand dollars in it, enough to cover XXXX bills and payments. These are not accounts that have my account information, XXXX XXXXXXXX, XXXX XXXX, or XXXX XXXX. I went into a US bank branch to stop them from allowing XXXX to take money out of my account, as I'm unable to reach anyone from XXXX, to have them fix the issue. Here 's the crux of my complaint. A bank can not charge your account twice for services it's already allowed to be taken from your account. I want my money back, and If this persist, I will file a civil suit against USBank corp.

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 2018-02-09
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted a certified letter to COMMONWEALTH the collection agency, in fact I used cfpb.gov ( Debt collector response sample letter template ) and within this letter I asked them to contact the Credit Bureaus ( If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. ) Well my letter is dated XX/XX/XXXX I am sure of it because the certified receipt is dated XX/XX/XXXX. This was a month ago. This was for the Unverified/Validated information concerning the medical debt for XXXX. 
CommonWealth reported to XXXX a 'New collection ' letter on XX/XX/XXXX, another letter I received from XXXX on XX/XX/XXXX letting me know changes on my credit file has taken place from this ( misinformation account XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened XXXX, as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section XXXX of the Fair Credit Reporting Act.

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 2021-09-14
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
J.P. Morgan Chase is marketing a " My Chase Plan '' on their Chase credit card accounts as a way to pay off purchases over time with " no interest. '' However, if you calculate the monthly fees they assess on each payment, the actual interest rate of their financial plans is between 22.37-22.91 % over 6-18 months periods, on my account, which has a 22.99 % purchase APR. The " no interest '' payment plan is being deceptively marketed to consumers as a more efficient way to finance larger purchases, but clearly provides little to no actual savings, and commits cardholders to a significantly larger minimum payment than they otherwise would be required to make each billing cycle had they simply made a purchase. https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report 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 2021-12-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: AZ
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a used car at the end of XX/XX/2023. Two days later I went to the dealership and had them add an extended warranty. The dealership said they would have to redo the first contract. I cancelled the extended warranty the next week because I got approved for a refinance with XXXX XXXX XXXX. The refinance happened in XXXX because I was supposed to make my first payment to Truist in XXXX. However, the dealership sent in the second contract after the refinance and now Truist is saying I owe them the monthly note and they have reported that my payment is past due. I disputed this on my XXXX credit report and somehow it was verified as being correct.

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 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These items have already been removed for the credit bureaus but have came back on my report. I have submitted the things are not mines and they have already been deleted from your reports last year. Please remove these items listed on my attached documents

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 2021-01-31
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Synchrony Bank issued a XXXX XXXX for Cancellation of Debt on a debt they listed ( inaccurately ) as charged off in XXXX and which was litigated in court in XXXX - verdict for me noting that my payment constituted payment in full of the debt. They are intentionally harassing me for a debt they know has been paid in full.

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 2023-09-12
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
These hard inquires are hurting my credit o have called the bureaus and explained my car is paid for Im not sure why some many card inquires for my cars I brought my vehicle with cash I have over 13 hard inquires please remove

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 2023-09-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On numerous occasions I contacted Experian Credit Bureau about why it is a negative account attached to my consumer report. I was given a phone number to contact the original creditor so I can get this off my consumer report. This information is report inaccurate on my Experian Consumer report and I would like it removed immediately. I am going to attach both my XXXX and XXXX Consumer report to show that I don't have any negative accounts. I am being violated by consumer law 15 US Code 1681 s 2.

Please help me with this problem.

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 2019-12-21
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened XXXX, as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section XXXX of the Fair Credit Reporting Act.

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 2022-10-17
Company: EQUIFAX, INC.
State: TN
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:
There is Inaccurate Data that is reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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