BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 being charged for a credit freeze and have been a victim of fraud and online hacking. Transunion and really all of them are doing a major disservice to people by collecting ans then storing my info ( data ). In the past someone used my credit info to open charge accounts and those XXXX pay loans. I am so sick and tired of companies and people making money off my image and my data ... illegally or what society has allowed to be considered legal. In order to collect my data or to house it on a computer you must have my permission to access, house or use my info and my image and I have not granted permission to any of them, ever and they continue to use my image which is my data. To turn around and try to sell me my own info or to lock my info is wrong and should be illegal. I am filing complaints with consumer complaint organizations as well as the Federal Trade Commission and my Attorney Generals office in XXXX, OH. These companies need to lock my info immediately and they DO NOT have my permission to retain my information on me on any system any further.

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 2021-10-15
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told by XXXX XXXX XXXX that if I signed up for monthly pet insurance through them I will not be charge for neutering my dog since it will be included in the insurance and it will be covered. after the surgery they did not charge me for the monthly cost and only charged me around {$700.00} for the surgery. I did not agree to it and they lied about the cost previous to the procedure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions Inc.
State: HI
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 am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges .Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

U S DEPT OF EDXXXX XXXX, XXXX XXXX, U S DEPT OF ED/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 explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions Inc.
State: HI
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 am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 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 2017-11-10
Company: EQUIFAX, 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 filed an investigation request with Equifax via mail back in XX/XX/XXXX. They were supposed to respond within 30 days. Almost four months have passed, and despite previous complaints, they still have n't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below 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 explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: HI
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 am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: SunTx Capital Partners
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019, XXXX XXXX -- a collections agent with XXXX XXXX XXXX, reached out to one of my contractors via telephone, and then through deception had the driver call me while XXXX XXXX remained on the line as an undisclosed 3rd person. 

Upon answering the call, XXXX began disclosing my personal financial information. He never confirmed my identity, nor did he ask whom he was speaking with. Instead, he began disclosing the reason for his call and how much money he believed was owed. All this while on the phone with an unspecified number of person 's on the phone line. 

This has had a negative impact on my business and the relationship I have with my contractors. 

I would like to know what steps can be taken to resolve this case. I would like to see this person removed from this position, because he has no decorum. Secondly, I want to know how this company intends to right this situation.

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
My mortgage payment up to date but the credit bureaus still showing a balance over {$160000.00} though my statement showing as of XX/XX/XXXX an outstanding Principal {$110000.00}. But my loan year to date Form 1098 showing outstanding mortgage {$100000.00}. Its been 3 years Ive been asking XXXX Mortgage to fix it and several disputes made with Transunion XXXX XXXX. Both XXXX XXXX Department & credit bureaus pointing to each other not updating my payments. Way back XXXX, my outstanding principal only showing {$100000.00} but starting XXXX, my principal goes up to {$110000.00}. Right now, my XXXX credit score showing XXXX. But Transunion score XXXX & XXXX still showing XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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: Information belongs to someone else

Complaint:
BEING A VICTIM IS VERY STRESSFUL, AND THE FACT THAT EQUIFAX IS GIVING ME HARD TIME AND CAUSING ME MORE PROBLEMS, BY NOT REMOVING THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. FOR THE PAST 3 MONTHS I HAVE BEEN ASKING THEM TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, EQUIFAX HAS RECEIVED MY IDENTITY THEFT REPORT 4 TIMES AND HAS DONE NOTHING. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions Inc.
State: HI
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 was not late on my accounts, I wonder why XXXX, Experian and XXXX  report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me 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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 was not late on my accounts, I wonder why XXXX, XXXX and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me 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 2022-03-04
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hi CB/Victoria Secret Card XXXX I'm personally writing you here because i've tried every channel to resolve this plus i had paid off this account since XX/XX/2021. Why are there so many lates on my accounts during covid19? COVID19 and you still ruin your clients credit? Wasnt there a special accommodation set in place for this not to happen when I called? Listen, I was protected under Mr. Trump Cares Act and i've called you guys before to make proper accommodations because of the COVID19 pandemic. 

Basically, I was reviewing my credit report and noticed a late payment reported on my credit report by your company. I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditors can not report payments as past due, and make proper accommodations to consumers. 

Also, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and notice that you deducted the money out of my checking account on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Reported my Account late to the Credit Bureaus but whenever I Logged into my Account is said, it didn't separate the account due from past due so I paid it on the due, but they reported my Account 30 Day 's Late to the Credit Bureau 's I have never ever paid this item late ever. 

2nd Problem is with XXXX XXXX XXXX reporting incorrectly to all 3 Credit Bureaus that I paid my account late in which they applied the {$500.00} to my other car loan and didn't apply it to the correct car by the time I noticed it, I sent an extra {$500.00} to the past amount but the only reason it was reported late to the Credit Bureaus was because they credited the {$500.00} to the wrong car payment I have 3x car loans with this company a simple mistake but it's affecting my credit score a lot. 

XXXX is reporting a closed credit card 30 Days late 2 year 's ago in which also I never paid 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 2022-03-04
Company: ALLY FINANCIAL INC.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I requested a wire transfer. Ally then locked my account for no reason. I called numerous times and I have provided all information that Ally told me to send them. I have asked to speak to a supervisor and I had to leave a message and after calling the fraud department again they told me it would be a few days before a supervisor returned my call. I asked the rep XXXX what Ally 's address is and he told me to go look it up in XXXX. I did XXXX it and Ally has numerous Address 's so which one to contact is difficult to determine. Most of the customer service reps have been unhelpful. Even though Ally claims they are available 24/7 that is not the case. I have called in the middle of the night and I am told to make a selection and it does not allow me to. Ally 's customer service has has dropped into the gutter. You can only contact their fraud dept from XXXX XXXX  to XXXX and then they request proof of life and all sorts of personal identification which I have previously provided them when I opened my accounts and my accounts are still locked. I only found out my accounts were locked by accident. Ally sent emails but they should have called me. The emails said I had to call and verify some information which I did now Ally takes their time verifying the info I sent and my accounts are still locked. I have been a customer of Ally for at least 10 years and once I sent the information they requested they should have unlocked my accounts. Does Ally have this much supposed fraud going on that it takes them days to verify my info. Something is wrong with Ally to have this much fraud taking place when a long time customer like myself is suddenly lcoked out of my accounts and then Ally will not resolve the situation in a timely manner and then not able to contact a supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
Company: Credit Bureau of Carbon County
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX never gave me the 6 months window before sending to the first collection agency. This took place in XX/XX/XXXXand they were reporting it in XX/XX/XXXX, who then took a medical bill and reported it to my credit bureau inside that 6 months as well. I have had this debt removed already because of this over steping their boundaries and not giving me enough time to submit to insurance and make sure all debt is mine. they keep selling it to new collection agencies who re-report debt to my credit bureaus. I have removed this debt at least once maybe twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
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:
There is an inquiry on my report from XXXX on XX/XX/2021. This is a fraud inquiry. I did not make or authorize anyone to pull my credit report from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear Bank of America ; Im a little confused after I review my credit report earlier. COVID19 and you still ruin your clients credit? Wasnt there a special accommodation set in place for this not to happen when I called? Listen, I was protected under Mr. Trump Cares Act and i've called you guys before to make proper accommodations because of the COVID19 pandemic. 

Basically, I was reviewing my credit report and noticed a late payment reported on my credit report by your company. I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditors can not report payments as past due, and make proper accommodations to consumers. 

Also, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and notice that you deducted the money out of my checking account on the month that you marked me late on 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 2022-03-04
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: Information belongs to someone else

Complaint:
I have received several calls about accounts that do not belong to me. I even received a few things in the mail. My personal information has been misplaced since i moved and now i am finding all of this information the first time i try to use my credit. I have not used credit before and i am learning more about it. I have several accounts on my credit report that are not mine in addition to the ones listed Creditor : XXXX  acct # XXXX Amount XXXX Creditor : XXXX XXXX XXXX XXXX Acct # XXXX Amount : XXXX XXXX XXXXy XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information is also fraud /incorrect incorrect names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ar XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A. In XX/XX/XXXXBank of America & 4 other major American Banks agreed to the National Mortgage Settlement ( NMS ) with 49 state attorney generals & Department of Justice ( DOJ ) under XXXX XXXX, Bank of Americas contribution was {$17.00} Billion good thru XXXX, monitored by XXXX XXXX a XXXX lawyer, in exchange BofA formally agreed, admitted : # 1. They knowingly misled the government and public about the value of toxic mortgage securities and # 2. Cease their previous illegal foreclosure practices. This agreement provided true principal reduction relief to struggling homeowners with a fixed 2 % P & I mortgage interest in exchange BofA would receive a {$2.00} credit write off for every dollar forgiven of mortgage interest, property taxes & insurance. I had 3 properties with Countrywide/BofA in some stage of foreclosure at the time & chose to resolve only 2 of the 3 properties thru this excellent program so why did they leave the 3rd property ( this one ) hanging with no written offer or resolution? nevertheless my 3 property arrears forgiven on their accounting books thru the NMS agreement. <P/><P/>B. Around XX/XX/XXXX i started a mortgage modification with BofA assuming it was the 2 % P & I with forgiveness they had agreed to & were suppose to be applying instead process dragged on for 3 months with piles of personal financial information requested while knowing they were trying to transfer the servicing & were never going to complete mod instead transferred service to XXXX who approved a mod in XX/XX/XXXX that added {$110000.00} to my original principal balance of {$130000.00} for total of {$240000.00} on a home worth {$140000.00}. How does this modification help? what a joke on top of it XXXX established an escrow account without my consent while threatening to foreclose since i will NEVER sign their illegal predatory permanent modification in its current form. I do continue to make my mortgage payments however in hope this is corrected. <P/><P/>C. How is this fair to borrower? The current modification environment forces you eventually back into foreclosure if you sign the permanent modification, it does not resolve the problem but temporarily delays the situation.

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