BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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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 2022-12-30
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
collection company added a closed account to my credit reports that has been closed over 7 years now stating the account was opened with them XX/XX/2022

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 2019-10-22
Company: EQUIFAX, INC.
State: VA
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:
In XX/XX/2018 my bank XXXX XXXX that I had my Auto loan through accidentally hit my credit with a missed payment. The bank admitted it was a mistake multiple times when I approached them about the situation. Both the XXXX branch and the XXXX XXXX XXXX have requested Equifax to remove the missed payment multiple times with no response has to why it hasn't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Chime Financial Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I called on XX/XX/2022 And asked for the balance of XXXX to be moved from my credit builder account to my checking account and was told that they would instead they closed my credit builder account and sent a check to a address that I was not living at for a year now I told them that I had no way of getting access to the address nor did I have access to the mobile app I told them my id was misplaced they then opened my credit builder account back up and have issued another check after telling me they were going to put the money immediately back in my credit builder this has been going on for 3 plus weeks and they keep telling me different stories everytime I call I told them that my car broke down and I was far away from home and I needed my money they are taunting my situation and I don't think it is funny I just want my money placed back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
IN REGARDS TO TRANSUNION XXXX. XXXX XXXX XXXX P.A. XXXX I HAVE TRIED SENT CERITFIED AFTER CERTIFED LETTER TO THESE GUYS TO TRY TO GET WITH PROPER DOCUMENTATION TO ADD AN EXTENDED 7 YEAR FRAUD ALERT TO MY FILE AND THEY HAVE YET TO DO SO. THEY HAVE NOT EVEN ANSWERED ANY OF MY DISPUTES BACK WHICH IS BECOMING VERY TIRESOME FOR ME AT THIS POINT SO I TURNING TO MAKING A COMPLAINT. I HAVE A LAUNDRY LIST OF THINGS THAT NEED CORRECTING. IM A VICTIM OF IDENTITY THEFT AND I HAVENT BEEN TREATED LIKE SUCH WITH HAS ME VERY XXXX AT THIS POINT. WRONG FRAUDULENT NAMES AND EMPLOYERS AND CREDIT INQUIRIES AND IDENTITY THEFT ACCOUNTS.

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 2023-03-02
Company: CHARLES SCHWAB CORPORATION, THE
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I attempted to make an ATM withdrawal from a XXXX XXXX ATM in Terminal 2 of the XXXX XXXX, XXXX XXXX XXXX. After inserting my Charles Schwab Debit Card into the ATM, I entered my PIN and then entered the amount {$11000.00} Mexican Pesos to be withdrawn. After this screen, the ATM indicated the exchange rate and ATM fee that I would incur and I was asked whether I agreed to this amount. At that moment I declined the transaction as I did not agree to the exchange rate being provided. The ATM cancelled the transaction and it returned my card to me. Upon returning from my trip in the first few days of XX/XX/XXXX I realized that this transaction had not been cancelled and my account had been debited {$570.00} USD as if the ATM withdrawal had been completed. I called Charles Schwab at that moment and they opened an investigation and provided me with a temporary credit which the investigation was carried out. On XX/XX/XXXX I received a letter informing me that XXXX had concluded their investigation and came to the conclusion that this withdrawal was made at their ATM. Due to these findings, Charles Schwab reversed the temporary credit I had been given. I then called Charles Schwab to dispute these findings as I did not make this withdrawal and wished that they take additional actions to dispute this claim. Charles Schwab indicated that they had done what they can and that my request to ask for video footage from the ATM can not be honored as VISA does not allow this type of request. I then contacted XXXX to request this video and was told that they can only authorize this type of request to my bank. I relayed this message to Charles Schwab and was once again told there was nothing more they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collector is EOS CCA. This is for XXXX home. Bill is  dated XX/XX/2015. Ammount on bill {$2600.00}. Agency claims I  owe approximately {$1200.00}. Final bill was paid to XXXX immediately after I discontinued services and all equiptment returned within one week. Collection agency can not provide me with any documentation. I have explained that no money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
It started when i got XXXX for the FIRST time in the middle to end of XXXX. I was out of work for a month, and i could not leave the house. Fortunately, i had enough saved up to make all my payments on time. I returned to work and because of COVID 19, my company cut my pay 20 %. Then after a month of working at less salary then i was used to, i unforunately caught XXXX AGAIN. This time i was out of work for another month, both because i was sick and as precaution. This time i could NOT afford to pay all my bills when i was out. I fell behind on a lot of things but i was able to eventually catch up 5 months later and i have been on time and going strong ever since. I even got my original pay back. I was physically unable to pay on time and because of that, financially unable to do so too. I reached out to TD Bank, who owns the Target Card, and tried to beg with them to work with me, not on late payments, i paid them ALL OF THOSE, but on their credit reporting. They not only refused, they didnt even answer me. Those late pays in those months have destroyed my credit and even though i make good money now, i can not get into a house for me and my, now, 4 kids. We have been renting and are struggling all because of COVID and this company 's unwillingness to work with me even a little bit. I am not asking for " financial relief '', they can keep those late payments as good faith, i just am begging for all, or ANY, of the late payments between XXXX XXXX and XXXX of XXXX to be removed. I know the bureaus will report what they are told so this is up to TD Bank and they seem to just not care at all about customers or the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've reviewed my credit report and notice a lot of inaccurate, invalid, wrong information reporting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: MN
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:
The Fair Credit Reporting Act, 15 USC 1681 section 602 a, explicitly states that consumer reporting agencies must treat their duties with 'fairness, impartiality, and a respect for the consumer 's right to privacy. ' As the Consumer, it is my right to ensure that my private information is not shared, as supported by 15 USC 6801, which outlines each financial institution 's obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information.

Under 15 USC 1681 section 604 a section 2, 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' I have not given my written consent for XXXX XXXX XXXX, Equifax, and XXXX, to share my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that 'a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' XXXX XXXX XXXX never informed me of my right to opt-out of information sharing. 

Equifax and XXXX 's reporting practices violate multiple sections of the Fair Credit Reporting Act, including 15 USC 1681C ( a ) ( 5 ), which stipulates that no consumer reporting agency may include any adverse information without the consumer 's permission. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the sharing of inaccurate information, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures. 

I am exercising my right to opt-out of XXXX XXXX XXXX reporting services, per 12 CFR 1016.7. This reporting agency has not demonstrated reasonable procedures and is failing to uphold the Fair Credit Reporting Act. Therefore, I object to the continued sharing of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Starting in XX/XX/XXXX My ex-husband was court ordered to pay all expenses associated with the house. This did not happen and the mortgage co and its legal reps harassed, stalked and threatened legal action if i did pay a loan I did not own. In XXXX XXXX XXXX ex husband was awarded the house and I in his Attorney 'S office signed the house over. He was too get it refinanced and out of my name and ownership/loan contracts. Due to extreme intimate partner violence as stated in PA 21-78 these mortgage reps and banks colluded with my ex husband to corrupt my finances, damage my credit and economic abilities as a protected person ( female, mental and physical XXXX and XXXX ) and have harmed me to the point of permeanant XXXX. 
Starting in XX/XX/XXXX I received notice of foreclosures and the litigation process, I could in no way avoid. My ex Never communicated with the bank, attorney 's or mortgage company to settle his affairs. Liens have been placed on the home and he filed fraudulently for bankruptcy leaving me holding the debt that I am legally supposed to be held harmless from and violates basic professional conduct but also violates CGS46b-1. I also frequently communicated with the bank/mortgage companies and they were aware of the financial XXXX. 
I then was served XX/XX/XXXX with the lawsuit and those other people who gave him services he never paid. 
I should not be involved in any of this mess. It is costing me my sanity, health, financial duress to the point of becoming indigent. I have rights, especially as a XXXX person. Attorney 's are empowering this abuse and taking advantage of a battered woman 's financial exploitation and multiplying it. It is unethical and I feel this is a hate crime.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for

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 2018-08-14
Company: CITIZENS FINANCIAL GROUP, 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: Account status incorrect

Complaint:
I had a checking account with citizens bank since XX/XX/XXXX. I arranged for automatic checking account deductions for a service at that time. After I moved from New York, I left the checking account open with a balance remaining in the account of approximately {$2000.00} as I had automatic payments coming out of the account. When the balance was at XXXX, I switched to my new checking account and closed the Citizens bank checking account. Unbeknownst to me, the account remained open and there was a line of credit attached to it. When one of my creditors submitted a final automatic payment, the overdraft line of credit was accessed in the amount of {$20.00}. I did not have notice of this event and had no idea that I had a line of credit or that I now owed Citizens {$20.00} on that line of credit. Months later, I have found on my credit report that I am delinquent. When I contacted Citizens to inquire I was advised that I must pay {$190.00} due to late fees and interest. I offered to make the payment online and close the account, but I was informed that the only way to do so was to come into a local branch. Because I was no longer in the area, my elderly father went to the branch to pay the account and resolve the credit report issue. Citizens accepted the payment but stated they could not expunge the derogatory entry on my credit report. This was unfair and deceptive as I was led to believe this matter would be corrected upon payment. Moreover, since I had no notice of the line of credit access or that I had a balance, Citizens bank accrued charges to my detriment in excess of {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Carrington Mortgage company settled with me, a XXXX veteran, on a short sale buyer in 2019. They have now filed a 1099-C form illegally by seeking the benefit of a 1099-C and a guaranteed loan by the VA. Please help us get the 1099-C revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX po box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4800.00}

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 2017-09-20
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My complaint is regarding unethical late fees charged to my account. My first payment was made late and thus a late fee was assessed appropriately. However, the agent had helped me set up automatic payment after that payment to avoid any late fees. However, even though the automatic payment was set up, their system did not process the automatic payment resulting in me falling behind two months and having two late fees charged to my account. In addition the customer service rep, XXXX, from their collections department in XXXX, Arizona, informed me the automatic payment was set up to collect funds after the billing due date, which would have resulted in late fees being applied every month and automatically being taken out of my account had the automatic payment not stopped working. I think this is a thematic issue and could be affecting other individuals whom have had their automatic payments set up to have funds taken out after their billing date ( with the help of Chrysler customer service representatives ). XXXX requested her manager to refund my late fees however, her manager refused. The manager 's name was not provided to me over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/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 2018-08-14
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my house in XX/XX/XXXX my mortgage company was XXXX XXXX XXXX. In ct u have to pay ur taxes and my flood in a advance before you close. XX/XX/XXXX freedom mortgage bought my mortgage from XXXX XXXX. I'm getting letters from freedom mortgage that I'm XXXX in debt. When I call them and ask them why they can't give me an answer. And the only thing that changed was XXXX my property taxes went up XX/XX/XXXX. I tried 2 times contacting freedom to find out where the probaly is. They sent me 3 different statements wanting different amounts. I dont know if it stems from XXXX XXXXXXXX which I asked for my papers they claim they don't have anything on me cause I'm no longer with there company. XX/XX/XXXX I called freedom at XXXX XXXX trying to request an escrow analysis. The woman # XXXX was basically denying me says I dont have a valid reason to have one. Then continue to explain I had one in XXXX by the state of ct.and would send that analysis that they claimed they sent me already. Then she continues to say i need to have a cusion of XXXX in my escrow. Im very concerned I never missed a payment I can't get a straight answer out of any one. I'm going to make my XXXX they wanted XXXX. Then it was XXXX. Now it's XXXX. My credit is gon na b affected by not giving XXXX that I don't have.

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