BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Requested a forbearance and Bank of America Agreed.. with no payments from XX/XX/XXXX to XX/XX/XXXX. 

Then they called XX/XX/XXXX and spoke to them. They then informed me that payments were being backlogged and that they were all due XX/XX/XXXX. 
This was not shared with me when they approved the forbearance. 

This is another attempt by Bank of America to defraud the public and sieze property as an attempt to foreclose. 

A clear bait and switch program.

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 2022-08-08
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
The website on the back of the card that the bank tries to get us to use to activate and check balances is constantly down. It has been unreachable since I've had the card. When you call to report this issue you get an outsourced untrained useless rep. 

This has been a long standing problem with this bank as there are dozens of complaints about it all over the internet for years

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 2021-02-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, 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:
XX/XX/2021 Clarity Services Inc States I requested a credit freeze on my credit report. I have never heard of this company until this. I never requested nothing from this company nor can they provide any documents me agreeing to any of there terms or agreement.

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 2023-04-06
Company: Experian Information Solutions Inc.
State: MO
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 3rd request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX , XXXX XXXX XXXX XXXX  XXXX, MO XXXX , XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00}, XXXX XXXX XXXX Balance : {$0.00} , XXXX XXXX Balance : {$420.00}, XXXX Balance : {$400.00}, XXXX XXXX Balance : {$300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00}

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 explanation
Consumer complaint received 2021-09-19
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:
SEVERAL UNAUTHORIZED FRAUDULENT ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT. I AM ALSO A VICTIM OF NUMEROUS DATA BREACHES ; THESE ACCOUNTS MUST BE REMOVED AND BLOCKED UNTIL INVESTIGATIONS ARE COMPLETED.

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 2016-06-22
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my husband and I are having hardship now we are two payments behind on our payments aand Selene finance wants us to pay over a thousand dollars and XX/XX/XXXX payment of XXXX and tis is not possable for us, we also found out that they have our loan now as being over XXXX after all 19 yrs, we started out in 1997 with only XXXX Ica n't understand how they did this to us. please try and help, thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX HAS A CHARGE ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME, THIS IS FRAUDULENT AND I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT AND ALL CREDIT BUREAUS THAT MAY BE REPORTING THIS ACCOUNT.

IN ACCORDANCE WITH THE FAIR CREDIT ACT 15 U.S C. 1681 AND DEBT COLLECTION PRACTICES ACT 15 1692 XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

I HAVE A RIGHT TO PRIVACY 15 U.S.C. SECTION 604 A SECTION 2 CONSUMER REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY CONSENT AND 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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX creditor has violated my rights.

1

0 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 an account without my written instructions.

Under 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 any purpose.

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 2021-12-29
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Improper debt collection amount

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1-XXXX XXXX opened XX/XX/XXXX {$210.00} 2-XXXX XXXX opened XX/XX/XXXX {$420.00} 3-XXXX XXXX opened XX/XX/XXXX {$900.00} 4-XXXXXXXX XXXX opened XX/XX/XXXX {$1000.00} 5XXXX XXXX XXXX XX/XX/XXXX {$10000.00} 6-XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$530.00} 7XXXX  XXXX opened XX/XX/XXXX {$1600.00} 8XXXXXXXX XXXX  opened XX/XX/XXXX {$520.00} has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the 2nd ( 3rd party ) collector to try to collect a debt that is not mine. Please verified or delete from my 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 2019-10-06
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
{$1500.00} Original creditor : XXXX XXXX XXXX EOS CCA XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
I called the XXXX Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and I am hoping that these accounts will be corrected. 

XXXX XXXX XXXXXXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$330.00}

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 explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
When I pull my XXXX, XXXX, and Transuion credit reports from XXXX or from each credit reporting site directly, I see my full credit history going back over 20 years with dozens of accounts and with only small variations between each report that are normal given that various creditors may report to different agencies. But when creditors request my report from Transunion, they are receiving a credit report that has almost no accounts and no credit history on it. For example, XXXX card says that they are receiving a credit report from Transunion that shows I have only two accounts open with a credit age of 6 months even though I have had a XXXX credit card open for 17 years. XXXX XXXX  tells me that they see I have no open accounts or credit history at all despite the fact I have XXXX loans with that bank. Other lenders have reported receiving similar reports that show I have little to no credit history. 

I contacted Transunion to complain about this. They said that my credit report looks fine on their end. They told me that when they send out credit reports in response to requests from lenders that data is sent through a company called XXXX that Transunion bought a few years ago. Transunion told me to call XXXX. When I called XXXX, they told me the data they are receiving from Transunion shows I have nearly no credit profile with no accounts open. XXXX told me to file a dispute on their website, factortrust.com. When I went to that website, it redirected me to the Transunion website. When I tried to log in to file a dispute, I was sent to a webpage that did not load anything. When I called Transunion, I was asked about 20 verification questions by their voicemail system to verify my identity and was then disconnected. At this point I am unable to proceed so ask for help from the CFPB in getting my report information correctly transmitted to banks, lendors, etc. This incorrect reporting of my credit history is causing me substantial financial harm as it has limited my ability to apply for credit as many lendors use Transunion to check credit during the application process. 

I have uploaded pdfs of what XXXX is receiving ( limited, incorrect info ) and what XXXX shows ( correct info ).

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 2019-05-24
Company: Solomon and Solomon, P.C.
State: NY
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:
Solomon and Solomon are trying to collect on a debt that is closed. The debt is an old XXXX bill from 2014. XXXX is showing account closed and XXXX does not show it at all. XXXX, on the other hand is showing an open collection. I did try to disputed this with them and got nowhere. There showing an outstanding collections balance of {$2000.00} which is affecting my credit score as Im trying to rebuild it to buy a house. This account should be updated on my XXXX cbr as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank ( Citigroup , Inc. ) unilaterally cancelled my DoubleCash credit card account without notice on XX/XX/XXXX. I paid my balance in full each month. My XXXX   credit score is XXXX. I had accumulated {$380.00} in Cash Rewards at the time Citi cancelled my card. Citi has now denied my ability to redeem the Cash Rewards I've earned by virtue of using the card. 

On XX/XX/XXXX, I opened my account. In XXXX and XXXX alone, I charged over {$42000.00} to the Double Cash card. I paid this amount off in full. My XX/XX/XXXX statement shows a balance of {$96.00}. However, on XX/XX/XXXX, Citibank informed me that my account was being cancelled due to a returned check fee in XX/XX/XXXX. 

I switched checking accounts in XX/XX/XXXX. On XX/XX/XXXX, Citi attempted to make a {$130.00} autopayment from my prior, closed XXXX XXXX account. This resulted in a returned payment from the account and a {$25.00} fee. On XX/XX/XXXX, upon discovering the issue, I made the {$130.00} payment from my current XXXX account. I then called to explain to Citibank that I simply created a new checking account. Citibank then indicated their intention to refund me the {$25.00} returned check fee ; the refund appeared on my XX/XX/XXXX statement. 

Following my XX/XX/XXXX conversation, I requested a review of my account closure. The supervisor I spoke with stated that my account would be reviewed and reopened within the week because of my exemplary payment history and credit score. However, I received notice from Citibank on XX/XX/XXXX that Citi would not reopen my account. I called Citibank on XX/XX/XXXX to inquire about my outstanding {$380.00} in Cash Rewards. The representative stated that the rewards were forfeited because Citi unilaterally closed my account. 

I used my DoubleCash card with the expectation that the cash rewards connected with my spending belonged to me. Certainly that is how Citibank advertised them. It appears that Citibank reviewed my account on XX/XX/XXXX and saw an opportunity to cancel my account before paying out the {$380.00} Citi owed to me. 

Citibank cancelled my account without cause. If there was a critical issue with the XX/XX/XXXX returned check fee, why refund the {$25.00} penalty to me? Why then cancel my account two months later? The reasoning provided is misleading, if not fraudulent. The cancelled account will negatively impact my credit score, without any adverse action on my part. 

I can not believe Citibank would knowingly deprive a customer of the benefit of their contract with the bank. I have asked Citibank to issue me the Cash Rewards I am due under my XX/XX/XXXX statement. I hope the CFPB can assist in resolving Citibanks unjust action.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 two loans from XXXX XXXX XXXX XXXX XXXX in XXXX VA that went into collections in XXXX and XXXX. I paid both in full and they should NOT still be on my credit report as they are too old. I have argued with this bank to get these removed as they are too old. The bank refuses to do it and keeps reporting the loans as currently active. This is not correct and I want it fixed. The bank should be fined for false information and refusing to update the correct 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 non-monetary relief
Consumer complaint received 2022-08-12
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On about XX/XX/XXXX I entered a Covid 19 extension loan program with Santander Consumer USA. I was told the loan would mature in XX/XX/XXXX. I made every payment every month, then came may and I still kept paying until XX/XX/XXXX. I then received an 30 day late from my credit bureaus and it was Santander Consumer USA. I then called them and was told its late because your loan matured in XX/XX/XXXX. I never knew that at the end of the loan that there would be a balance due. I signed a contract telling me that loan would mature in XX/XX/XXXX, without it telling me that there would be a balance. Had i known that there would be a balance due then I couldve sent extra money during the loan that would it brought it to XXXX or a small amount. Even when my loan matured I still kept making usual payment of XXXX then in XXXX I paid the final amount owned of XXXX. Santander Consumer USA reported to all my credit bureaus that I was late 60 days, when in fact I never was. I made every monthly payment. Plus they also stated in the payment history that i paid for an extension in XXXX and XXXX. I believe Santander Consumer USA has committed fraud because in the documentation they never wrote that there would be a balance amount due at end of loan. They could have come up with any number. I do not care about the balance that I pay, i am concerned because they hurt my credit by them reporting it 60 days late, at end of loan. Had I been properly notified that there was a balance due at maturity it would have been paid. Santander never made any attempt to notify me. I spoke to several of their supervisors the only one that took sides with me was the first one I spoke to in around the middle of XXXX when I first knew about this. I would like you to investigate Santander consumer USA into its loan practices. They could have come up with any number at the end of the loan and I just paid it plus I was also hurt by them reporting a 60 day late on my credit bureau. I also feel that I was not the only client this happen too, because representatives told me that they did this to all. So imagine how many people got the same malpractice of fraud and deception.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
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: Information belongs to someone else

Complaint:
I discovered my info was breached in the XXXX XXXX and EQUIFAX Data Breaches and was given settlement. I have written, disputed on line and on the phone to clear up the erroneous accounts.

Addresses and accounts that have disputed have come back saying they wont look into my file. How can you verify and say evrything is correct when I dont live at those addresses and my names are wrong. 
I have sent my FTC ID Theft AFFIDAVIT along with Equifax Settlement, XXXX said to contact Bureaus and will be notified of litigations Please remove these erroneous accounts and give me my peace of mind back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2023 I wrote a letter to all 3 Credit Bureaus concerning a Auto loan from XXXX XXXX. In the letter I asked them to please verify the information being reported because it was being reported with the wrong amount showing after the car had be sold. Well after waiting 45 days I called each reporting bureaus only getting through to 2 out of the 3 with them saying that the balance has been updated which is hasn't. According to the Fair Credit Act if wrong information is being reported even if it is off by a couple of XXXX of dollars. It's causing me financial damage so my question is shouldn't it be removed? I just believe these bureaus have become untouchable and feel like they are able to do whatever they want.

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