BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-20
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:
My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

They have removed some of the fraudulent accounts but still several remain. 

This has been going on for over a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation. 

I have wasted dozens upon dozens of hours trying to get the situation rectified but it seems they only care about the money being paid to them by the creditors and not the law or my rights.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: MI
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:
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. 

Account Name : XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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
Consumer complaint received 2019-07-20
Company: Experian Information Solutions 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:
My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

They have removed some of the fraudulent accounts but still several remain. 

This has been going on for over a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation. 

I have wasted dozens upon dozens of hours trying to get the situation rectified but it seems they only care about the money being paid to them by the creditors and not the law or my rights.

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 2021-01-27
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Regarding Specialized Loan Services owned by XXXX XXXX XXXX XXXXXXXX XXXX. 
My HELOC was sold to this company XX/XX/XXXX. I was never sent any means to access the funds for this loan. I have been telling this company I need this $ IMMEDIATELY!! 
XX/XX/XXXX I contacted the company to ask for my funds. Spoke to three representatives before I finally spoke w/someone who seemed to know how to fulfill my request. I was told checks would be sent to me " over-nite '' and I should receive by XX/XX/XXXX ( weekend in the way ) ; I was also sent a HELOC WIRE REQUEST form which I followed the directions and resubmitted exactly per instructions XX/XX/XXXX Had not heard anything about my wire request ; called in. Was told there was no record of that form. Resubmitted it AGAIN per the new instructions as well as the old instructions and demanded to speak w/a supervisor. Did not hear back until next day XX/XX/XXXX Called in XXXX. Still no progress. Demanded to speak w/a supervisor. Supervisor called back and said he would get a message to department to expedite. XXXX CST ; that person called back and completed the " security process '' of the wire transfer and said processing immediately. I asked when would I see the funds and was told either today or tomorrow. 
XX/XX/XXXX STILL no evidence of funds and my bank indicates no record of receiving them. Called back to the company and am now being told the wire transfer takes 7-10 business days ... WHAT? Asked where were the checks that I was promised. That representative also told me 7-10 business days. WHAT?? 
Once again, I have asked to speak to a supervisor and have to wait for a call back. 
I emailed the " customer service '' address with a copy of this complaint since I'm at my wits end. 
What recourse do I have for not only not receiving these funds but the " fall-out '' of not being able to use these funds as intended? 
I have names ; dates ; times and identifying i.d.s for each conversation.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A total of five unauthorized inquires from three companies are on my TransUnion consumer report, I never benefited from any of these transactions between TRANSUNION and these companies and I never gave these companies my consent to pull my consumer report and add information to it. TRANSUNION never even disclosed to me that they received a request from these companies to pull my consumer report. Pulling up my nonpublicinformation without consent and adding information on top of that is identity theft XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX 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 2018-05-21
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX DOB : XX/XX/XXXX. My Address is XXXX XXXX XXXX XXXX tx XXXX. I submitted letters to TransUnion XX/XX/XXXX about accounts that weren't mine. They have failed to provide physical proof that the accounts are mine. this has been over month roughly 120 days trying to sort this out.I 've sent 4 609 letters and they haven't deleted the accounts that i'm concerned about. Im beyond exhausted and have decided to file a formal complaint.

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 2019-07-20
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I XXXX XXXX have a credit card with Barclay for over five years. My credit line was XXXX XXXX dollars. On XXXX XXXX I received a letter from the company stating their were cutting my credit line. The letter was dated XXXX XXXX. I didn't understand the letter because I WAS NEVER LATER, NEVER PAID THE MINIMUM ALWAYS OVER SO I COULDN'T UNDERSTAND. 
I Called the company to redeem my rewards, and was told that I could use them toward my payment. i believe this started the whole thing. My plan was to take the bill down, i was paying {$120.00} and I wanted to add the {$31.00}. 

I received notification the my credit score had dropped from XXXX to XXXX because of Barclay report. Barclay is always sending communication on surveys and other notification. Why couldn't they notify me  about cutting credit line before the credit bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Innovis
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019, I sent a certified letter to Innovis Consumer Assistance requesting validation bearing my signature of an account they are reporting under XXXX XXXX and if they could not provide the information that the account be deleted. On XX/XX/2019, they sent an " account has been verified as accurate '' but provided no validation documents and placed no dispute remarks as required by federal and state reporting laws. On XX/XX/2019, I sent a second letter requesting the verification documents bearing my signature and their failure to place dispute remarks and they not only did not respond to the request, they also did not place dispute remarks. On XX/XX/2019, I sent a letter requesting the procedure used for validation within 15 days and they have since failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I got a call from upgrade about personal loan. I verified with upgrade. Upgrade said there is a loan applied with my identity. I informed immediately close the account dont disperse funds. 
I also got call from XXXX XXXX platinum card about fraudulent account I replied immediately close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Reverse Mortgage Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My XXXX yr old Mother signed for a Reverse Loan on a Home that was paid off. XX/XX/XXXX She made payments on this Reverse Mortgage. after filing Bankruptcy XX/XX/XXXX an she was told by XXXX XXXX XXXX She was to continue her payments. Our trustee XXXX XXXX XXXX discovered we wasnt to pay. Reverse Mortgage did nothing. My Mother passed XX/XX/XXXX. Reverse Mortgage filed a Automatic Lift an Stay. XX/XX/XXXX. We hadn't filed her Will. Judge Rule we simply Talk. They would not receive our Calls. 
From XX/XX/XXXX to XX/XX/XXXX.Mother had paid XXXX we told the judge were willing to sell the house but we want the XXXX applied to the balance I wrote emailed an faxed several letters XX/XX/XXXX an  XX/XX/XXXX to RMS asking was they going to apply the money? their Attorney 's do not rec calls or talk to any one I was told. I rec a letter in XX/XX/XXXX an XX/XX/XXXX saying the was doing an Inquiry in to the situation. I never heard anything. I then rec a letter XX/XX/XXXX stating we would be foreclosed on XX/XX/XXXX. we then heard from XXXX XXXX 3 days later thru our Probate Attorney. I was told they couldn't foreclose because we was in Probate. an heirs are allowed 6 mos. 
1 ) Reverse Mortage Solutions received payments they haven't acknowledged an attempted to Illegal Foreclose.

2 ) RMS stated in Court before the Judge XX/XX/XXXX. I could refinance the Loan. Not true. you can not refinance a Reverse Mortgage 3 ) RMS also stated they applied the XXXX ( while in Bankruptcy XX/XX/XXXX ) the money was applied to fees an interest. Not true. 
4 ) RMS didn't honor my Mother ( XXXX XXXX XXXX ) wasn't to make payments heirs suppose to make payments. 

I rec monthly statements from RMS an alledging XXXX dollar loan. The balance is now XXXX. The balance clearly hasn't decreased with payments from XXXX. 
Im attempting to sell her home of 50 yrs. Im aware I must seek an Attorney. RMS is unethical, illegal. I personally have witness 5 people in our neighborhood that Reverse Mortage illegally took their homes. 
I would like for you all to inform them that what they've done Illegal. 
I would like a pay off statement with all payments attached Including RMS adding Insurance after they was informed WE had insurance I have Bank Statements etc. 
Please stop RMS from treating the Elderly an their families this way. 
Please contact me for forms receipts Bank statement whatever you need to confirm my accusations. 
XXXX XXXX excutator of Estate then Daughter. 
Email : XXXX Cell : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Was in an accident and was in hospital for several months. Did not receive my information on payment. Once I was better I paid off the amount owed. Recently tried to dispute so that my credit can be clear, however it was denied.

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 2019-12-02
Company: HW Holding, Inc
State: KS
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:
The initial date reported is inaccurate and the original amount owed is inaccurate. The original amount given to the collection company was over {$4000.00}. I informed them the amount was incorrect. They adjusted the amount owed but left the amount of over {$4000.00} as the original amount owed. I filed a dispute on that and the incorrect date. They changed nothing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Village Capital & Investment LLC
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I attemped to close on a FHA Streamline Refinance with Village Capital and Investing in XX/XX/2019. They sent a notary to our house on XXXX with the closing documents and had us a make out a bank check for {$870.00} to their title company, XXXX XXXX. Several weeks later, on the afternoon before XXXX, the company contact my husband to say that the " paperwork was all wrong '' and that they needed to send out a notary " that night '' to have correct documents signed. My husband was away from home for work, and I was already out of state visiting relatives for the holiday. Village Capital never submitted payment to our original lender, which put us at risk for falling behind in payments. Due to their errors and poor customer service throughout our interactions with them, we do not want to proceed with this transaction and we want a full refund of the {$870.00} check we submitted to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Gap has a past due payments for the month of XXXX and XX/XX/XXXX and 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 explanation
Consumer complaint received 2021-01-27
Company: Galaxy Capital Acquisitions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification from my employer via USPostal service, that my wages were being garnished beginning XX/XX/XXXX in the amount of 25 % to a debt that I know nothing about. There was a hearing sometime in XX/XX/XXXX, which I never received any type of notification of, and the judgement went to this debt collector whom I have never in my life signed a contract with for any type of services. From what I could tell by what was sent to me by my employer, they received notification from the XXXX County Municipal court to garnish my wages to be paid to Galaxy Portfolios , LLC, c/o XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX, which had apparently filed a claim in XX/XX/XXXX, saying that I owed them something like {$7000.00}, which I have no knowledge of this nor have I ever signed a contract with any of these companies. From that judgement in XXXX, they have now filed saying I owe over {$18000.00} for what I have no idea, and have won a garnishment due to falsely sending notifications to an address that I do not have, under a married name that I have not had since XXXX when I got divorced!!!! This is such a violation!!! they are now taking money from my paycheck, that they falsely have obtained through unfair debt collection!! Please HELP!!!!!! During this time of COVID-19, I can not afford to be abused this way!!! I was never contacted regarding the initial judgement 20+ years ago, had no idea of anything about it, until the garnishment came from my employer with copies of the paperwork they were sent. I've never known anything about any of this, had I, I would have had representation and fought for my rights! They did not send the notice of hearing for the garnishment hearing or whatever it was, in XX/XX/XXXX, so I had no way to know to show up! This is how they win by being deceitful! I do not owe them any of this money and they are taking it from my pay!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Company was taking money from account not sure who and how told Wells Fargo was told by them that they can not promise they will not stop taking money and it continued to take me into overdraft. Money was lost for several months. One of my accounts was closed due to account being overdrawn for so long.

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 2022-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
BANK OF AMERICA is reporting information on my credit report that is NOT permissible and inaccurate. They have violated my consumer rights under FCRA 15 USC 1692g, 15 USC 1681 ( 2 ) ( a ) ( i ), 15 USC 1681b. 

I have documented XXXX attempt for BANK OF AMERICA to cure the errors. However, they have been unwilling to fix these errors. 

See attached.

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 2021-10-01
Company: Resurgent Capital Services L.P.
State: AL
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 demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Experian Information Solutions Inc.
State: IL
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 multiple occasions I have contacted Experian in regards to their reporting of XXXX XXXX XXXX ; a collection agency reporting a medical debt from a state that is not my own. 

I reached out to the collection agency and they sent me documents that not only provided a signature that was not my own, but had documents that would clearly be a violation of HIPAA. This debt belongs to XXXX XXXX XXXX. XXXX has not contacted me about this debt. 

I spoke with an Experian representative on XX/XX/XXXX. On XX/XX/XXXX I received an alert on my Experian account. XXXX XXXX XXXX came back verified. This was absolutely impossible. 

Experian is the only credit bureau I have had an issue with. This fraudulent collection account is only on this report and it is the only collection account I have on all 3 of my credit reports.

If Experian actually verified that this account was mine they would know that XXXX is 1 ) not legally allowed to collect in the state of Illinois 2 ) attached documents that have a signature that is not mine 3 ) the originating debtor is showing an address in Georgia.

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