BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX XXXX, my SS # is XXXX. I am FILING THIS COMPLAINT TO XXXX XXXX FILE # XXXX I HAVE A FEW ISSUES WITH FURNISHED ITEMS ON MY REPORT! Please send me the name and address of the provider or furnishers providing this data, and the manner in which it was provided so I can conduct my own research with additional legal remedies. FCRA requires a reasonable procedures to assure 100 % accurate the information on my credit report. I request you verify the items disputing without a simple computer generated inquiry, XXXX  or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. FCRA Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. I DO NOT CARE TO USE Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. PLEASE DELETE THE FOLLOWING UNKNOWN ACCOUNTS :  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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-03-02
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: SD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Hello. My ex-husband took out a construction loan ( s ) with First Interstate Bank to build a home ; the property ( which was out of state from our residence ) was valued at XXXX, we borrowed at total of XXXX from the bank, paid another XXXX for it's construction and then ran out of funds. The bank then issued us credit cards to continue to make loan payments. We sold the home for XXXX and were coerced into signing a collateral loan for XXXX on a business property in our home state. We have been trying to obtain our loan file ( containing loan draws - which the bank was directly distributing to the construction company, invoices, receipts, etc. ) from the bank for 5 years. Despite hiring 4 law firms to obtain our loan files - THE BANK HAS REFUSED TO ALLOW US TO VIEW OUR FILES. Recently the bank sent an email to my ex-husband, who gave them permission the release the loan files to current attorney - XXXX XXXX ( XXXX ) XXXX, AGAIN THE BANK HAS NOT RELEASED OUR LOAN FILES. In fact, they have added {$870.00} to the payoff balance of the collateral loan for their legal expenses ( my attorney tells me that this is a violation of South Dakota law ). Should a US bank be permitted to withhold loan file details from the loanee 's inspection? Is the loanee ( who is responsible for paying back the loan ) not the owner of the content of the files? Can the bank unilaterally decide to add their legal fees to a loan payoff? If so can I unilaterally decide to deduct my legal fees from the loan balance? PLEASE assist us in dealing with First Interstate Bank. I realize, that this is a complicated complaint that has unfolded over years and contains hundreds of pages of documents, letters, and correspondence - I am incredibly frustrated trying to deal with First Interstate Bank - they have been unwilling to negotiate with us. I am attaching 8 documents ( the 2 original loan contracts, 4 collateral loan documents, email stating that they would release loan files to MrXXXX XXXX, and email where bank 's legal fees were added to our loan ) to get you started into understanding what has occurred. Please call me and Mr. XXXX for more details and to answer any questions you may have. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act 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

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 2021-12-13
Company: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Paypal allowed someone to go into my XXXX acct via my paypal acct. XXXX and paypal both refunded me the money. XXXX stated paypal paid me and took they money back out my acct. Paypal decided to allow XXXX to think paypal paid me and took the money out another account I had with paypal. On XX/XX/XXXX XXXX took XXXX out and again on XX/XX/XXXX. Claiming it was pay paypal. So I was never refunded any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
XXXX  identity theft and fraudulent charges! 

In XXXX of 2021, XXXX charged my debit card for 60 transactions totaling {$9900.00}. As this is a business account for XXXX XXXX XXXX  and I am the XXXX, I identified the problem at month end reconciliation and immediately reported it to Bank of America. The criminal also used my debit card to charge {$1200.00} in auto loan and Bill Pay expenses without verification. 

I have NEVER used XXXX and do not have an account. I have contacted XXXX multiple times but XXXX agents refuse to provide any details on the transaction. Multiple claims have been filed, including fraud claims open with Bank of America claims with identitytheft.gov, and police/FBI reports filed. XXXX has trapped me in a web of never-ending transfers and no one can provide any information despite transaction dates and unique identifiers being provided. 

Authorities are proceeding with the criminal case. Bank of America continues to move very slowly and provides no details or communications on their progress. XXXX refuses to answer any questions. Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Spoke to someone about the overage when transferred to this company and the escrow. I wasnt negative. Then a few months I am. I had XXXX. Extra from payments being sent. No one said anything about the time it will sit account before they will take it after question the amount. Ask for it to be refunded told no. They were to ask where I would lime for it to go and never did. So instead of refunding me or out to escrow that they say I'm short in. They moved the money to principle on their own to make my payments higher which is XXXX and I'm on fixed income. Ut that way they get free money and more from me. Making it harder on me. To include I still never recieved the back pay from the old company that sold my acct when they found out I had recording of them owing me my tax payment amount that I filed before on here. I sent that info with. We company and still nothing. I'm due XXXX plus from that still. They still havent refunded the late fee with this new company or the XXXX fee that the last company lied about a forclosed fee to my investor. I want to be refunded all my money and them to put that XXXX to that escrow and lower my payment back to it's original payment XXXX. XXXX where it should be. I called them again and spoke to a guy and gave permission to call bk if disconnect and no call back or anyone.

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 2021-12-13
Company: EQUIFAX, 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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX has not proven or justified the issue of the California All Purpose Certificate of Acknowledgment to how XXXX XXXX XXXX the notary sign and Witness me being XXXX XXXX personally appeared on the document to make the instrument being the deed legally binding. 

I have attach the document as proof and have sent it to document places to get the document verified as it is the same signature that did and sign and fill out the document. 

XXXX XXXX XXXX XXXX has yet to give a truthful answer its all ways something I did not request or some slick talking or trying to act as if there not at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My merchant account with Bank of America was unfairly closed randomly. In addition, the remaining funds on the account were automatically withheld as a result. I was advised the funds an amount over {$2600.00} will be on hold for approximately 6 months, which was excessive in comparison to the 90 days norm from other financial institutions. Furthermore, I received XXXX charged back during the holding period, and all three charged back were deducted from my business checking account instead of the funds on hold. To my concern another red flag. Besides, I was informed by Bank of America otherwise, that funds are placed on hold for this specific reason to cover any potential charge back. Move forward, on XX/XX/XXXX a representative from the risk department advised to call on XX/XX/XXXX in order to have the funds release. After all, upon calling on XX/XX/XXXX, another issue arise detailing that the funds will not be release until late XXXX, since the last charged back occurred in XXXX. Therefore, an additional 6 months, were added and will continue to add in conjunction of potential future charge back. At this point Bank of America failed me at every point, by using tricks and malpractice to not release the funds as promised within the 6 months period.

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 2023-05-30
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We sold a house on Friday XX/XX/XXXX. We filed all the paperwork according to what Carrington sent us. We did close one day late past the original close out settlement but was told to pay the {$12.00}. and some od cent charge to cover this and we would be good. Out attorney did all the paperwork to reflect this and money was wired and taken care of. Monday the XXXX rolled around and they kicked it back and told us it was not the correct amount and told us we had another XXXX on there we have to pay and now we are disputing the charges but because change of ownership has happen we are forced to pay the additional fees to complete the title transfer. We were not told about any additional charges and when we spoke to a rep from Carrington on the 3rd they indicated the charge would be fine.

Spent over 3 hours today talking to reps and all telling me different stories and no one wanting to help resolve this besides pay the additional fees. We don't mind paying the extra couple of days interest but almost XXXX worth fees is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
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:
XXXX XXXX is reporting a paid as agree a, with no late payments, as 60-90 or more late. I have tried countless times to contact company who does not answer as well as have spent countless hours trying to resolve this matter and to date this has not been corrected permanately. I have stressed my concerns and frustrations to XXXX and Trans Union and have been told that the merchant has updated my file when I am advising them that the information is incorrect. I have sent all documentation that was provided by Consumer Financial Protection Bureau as well as New York XXXX XXXX XXXX. They reporting agencies ( Trans Union and XXXX ) will updated the information to report correctly and not even 72 hours later, they will change the reporting back to the incorrect information. 

I am in need of help getting them to STOP reporting incorrect information as the merchant has admitted to incorrectly reporting information.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 account listed below 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : 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 2021-12-13
Company: Experian Information Solutions Inc.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-26
Company: NAVY FEDERAL CREDIT UNION
State: OH
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:
Navy Federal is reporting inaccurate information on my credit reports. On XXXX, they are reporting that I owe {$150.00}, with a high balance of {$210.00}. On XXXX they are reporting a high balance of {$570.00} with a balance due of {$150.00}. On XXXX they report a high balance of {$0.00} and past due of {$150.00}. All the dates of activity and payment dates are also different on each credit report. I've disputed the account as inaccurate several times and have gotten nowhere. Navy Federal has been automatically withdrawing money from my bank account, so none of the information being reported is accurate. I'd like the information accurately reported or removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
sent validation letters and called all credit bureau for them to investigate, also contact this alleged junk debt collector by phone to self investigate and they threaten me if i dont pay, the guy would not answer any of my questions instead transferred me to a non working line. letter sent to credit bureau listed below ... and behind the letter is the companies information which has no account number etc., Collection company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can not access TransUnion Consumer Report/Disputes/scores or freeze

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 2019-12-17
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from a collections agency [ AFNI Inc ], claiming that I opened a loan from XXXX. I responded to the letter asking for more information and validation, proof, and an original copy of the loan agreement with my wet ink signature. They habitually ignored my request. It has been well over 90 days and I have not gotten a response to what the loan is. Upon further investigation it appears that my name and address was used to open the account and/or billing reasons. This is without a doubt true name fraud, which I informed them because I have never lived in the city or address that they claimed or received any goods from XXXX.

Company response to consumer: Closed with explanation