BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 an 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 2019-08-23
Company: Ashfield Management Services Inc,
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I keep receiving rude calls from different numbers about a debt. I have my credit reports and all of my accounts are current. They say that a court order will be sent to my home or place of employment. I have asked them to please do so, that way I know they are legitimate and not trying to scam me. Of course, I have never been served or received any form of legal documentation. 

Their supposed information AMS XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Someone may have stolen my identity. There are accounts, addresses and inquiries that don't belong to me. Please remove them. I have attached my personal information as well. Thank you.

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 2020-10-21
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a Victim of fraud.Some how my Checking account and savings account was depleted with ill activities that has left me owing Chase Bank. I first noticed that my cell phone, was missing on XX/XX/XXXX. I thought i had left it in my car. Since i was not feeling well, i thought nothing of it, I have a land line. my friends and family can always reach me. When i left the house on the XX/XX/XXXX i couldn't find it in the car. next i went to the grocery store. When i went to pay for my groceries I then noticed my Bank debit card, driving licenses and social security card was missing. I immediately went directly to my bank. To my shock i was given a print out of all the fraudulent activity on my accounts.They gave me a new checking and saving acct #. The bank was closing so they gave me two numbers to call. The  fraudulent activities started on the XXXX and ended on the XXXX of XXXX. I submitted my claim three times and was denied three times. the reason the claims were declined, according to Chase was that whoever used it knew the pin number. i have never given my pin number to anyone nor have i written it down anywhere. This has been going on for over a month now. Finally after my disputing their results.  I was given a claim # and turned over to the corporate office on Ohio on XX/XX/XXXX. I also filed a Police report. I truly believe a young lady who was helping clean my house victimized me. She is the only person new in my life since COVID-19. I feel i am being victimized double. Once by the cleaning person and now by Chase. I'm going on  XXXX years old. I have several chronic illnesses that make me high risk for Covid. i have been Banking with Chase since XXXX with no problems and in good standing. I have an excellent credit score and on social security. I have trusted my check to go auto deposit since my retirement. I thought my money would always be safe and protected by FDIC. Now my savings accounts is missing my {$10000.00} and in the minus of {$8900.00} They claim I'm responsible for paying. Please help me I am a victim of elder abuse. When i first reported this to mybank branch, the banker told me i was lucky because a lot of withdrawals were made inside the bank and the camera 's should be able to show who it was. When i talked with one of the investigating clerk 's, i was informed that they didn't go that far. Once a week i go to church to pass out lunches. This is were i met XXXX the cleaning lady. who strangely I haven't seen since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We discovered that our Mortgage lender Fifth Third Bank have been for many years, treating us unfairly with our monthly mortgage amounts and payment of Principle and interest and our escrow amounts and balances.This resulted in a prolong legal battle between us and fifth third bank.After our lawyer won our case not once but twice, fifth third agreed to another modification in 2018 and agree to a new principle and interest amount {$260000.00} cents, we have accepted this new modification and have been paying on time, but fifth third mortgage department have been treating us unfairly and have since increase escrow payments on us, which they were not suppose to charge us, and have also increase the monthly agreed mortgage payments to more than $ XXXX addition to these complains, they have ignored the legal settlement amount that " no other amount but the said amount of {>= $1,000,000} cents is owed to fifth third bank from the XXXX, XXXX defiance to the law, and legal council Fifth third Bank has added a deferred balance of {>= $1,000,000} cents to our mortgage balance of under {$220.00} at present.In repeated contact to the bank, ourselves and our Lawyer they have not removed that deferred payment clause and, now it is causing us great difficulty, in starting a new project with the equity we have built up in our property.We need your help in resolving this problem as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 I first spoke to a XXXX XXXX agent. They were unable to verify credit reference due to security alert. I was transferred directly to XXXX. Please acknowledge this - I have been two months trying to reach a person by phone at all the credit bureaus. Today it took almost an hour to finally get a person to talk to. I have also made many effort to use the online services and I get - no such account, you may have an account - over and over until I am locked out and not do any more. Today after talking the smart A -- who took my information, in order to  verify my identification finally asked me the XXXX $? which I could not do because I have never been able to get into my account and the time has lapsed so long that I have forgotten the darn answer. Therefore, now I have to prove my identity by providing documentation. I was given the web site to use and guess what, I was locked out and every document that I took hours to put together, copying, scanning and uploading has now been erased and my next option is to mail everything in. I tried to  call, the hours for today, close at XXXX. I call @ XXXX and sorry we are closed. What's with these people. Enough is enough!!!!! This is MY LIFE and MY CREDIT, they do not own me and I want my information, a score without paying and the security alert lifted so I can move on. Thank you

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 2023-10-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All 3 credit bureaus are reporting 2 collections on my credit report that is inaccurate. I have asked for proof of the collection being valid and for proof that notice was given to me. Neither has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
Company: Resurgent Capital Services L.P.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
LVNV funding LLC I believe this is an installment loan that my brother in law or someone fraudulently opened in believe its fraudulent I have never ever gotten an installment loan or a loan with such high interest my identity has been stolen over 5+ accounts have been fraudulent made what makes me think this is my brother in law is because this company is in South Carolina where he is from and lives and he has had access to my info and the time period just makes sense that it was him

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America dishonored a check I wrote to my client which caused my client to incur a {$12.00} fee. 

Bank of America refused to make good on the {$12.00} fee that was incurred. 

I wrote a check for {$41000.00} to my client on XX/XX/, and my client deposited the check into their account on about XX/XX/. Instead of honoring the check I personally wrote, or contacting me about any concerns Bank of America had before dishonoring the check, the check was dishonored on XX/XX/, and the funds returned to me. 

My client incurred a {$12.00} returned check fee due to Bank of America 's error. 

I have today, XX/XX/, tried to correct the issue and have Bank of America make good on the {$12.00} fee which their error caused, but they have refused to, and they will not make good on the costs their error caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
XXXX XXXX sent me my title, stamped Free And Clear and Lien released. Attached was a letter telling me how to go about filing my title at the XXXX or how to use it if I want to trade in my vehicle when I purchase a new vehicle. I am in the process of trying to purchase a home, and they can not proceed because they are reporting my loan over 90 days late and saying my account is a charge off, which is dropping my credit score too low to purchase my home. I need this to show that the loan is paid off and that the lien has been released. This is not ok, that I have this title for my vehicle in my hand. If XXXX XXXX made an error in sending me my title, then this is something they need to eat not me. I should NOT be showing a charged off account for my vehicle that is in my name and now owned by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: Fleet Financial Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Yesterday, XX/XX/XXXX I was called on to refinance an auto loan for my XXXX XXXX XXXX, I applied via lendingclub, and XXXX from " iLending Direct '', phone number XXXX reached out to me and told me I was approved and qualified for an auto loan refinance through their company as an intermediary for a loan from XXXX XXXX XXXX XXXX, we went over all the specifics and told me I was for sure approved for this refinance and was asking me to authorize a hard credit pull be done to complete the steps to refinance. I then sent him my license, auto registration, insurance docs, and odometer reading and VIN. This morning at XXXX PST he sends me " we got an approval back for you buddy '' I chat with him again and provided the 2 referral sources he asked for. By XXXX PST I received another call, regrettably denying me for this same loan I was previously coerced to do a hard pull for. He said, I'm sorry, I'm new here and I didn't know that California auto notes need to be made for at least {$10000.00} ( mine would have been for XXXX after a {$1600.00} deposit ), he says " I messed up, but hey, at least I learned something today. '' I feel like I was bait-and-switched and taken advantage of, now, my credit report has another hard inquiry because of the negligence of the company and the ignorance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries appear on my credit report that I dont recognize they should be remove promptly XXXX XXXX XXXX XXXX date XX/XX/XXXX remove date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX remove date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX remove date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX remove date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Trans union credit bureau 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 explanation
Consumer complaint received 2019-03-24
Company: MoneyLion 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:
I disputed this account aroundXX/XX/XXXX/XX/XX/XXXX. They are showing my account is 60 days past due which it isnt Especially for the months XXXX, XXXX and XX/XX/XXXX. I've contacted the company several times. Wrote letters and complained to the XXXX. I've made multiple attempts over the phone as well to get this resolved. Several times over the phone when their System never took out onXX/XX/XXXX and XX/XX/XXXX I paid afterwards and they still weren't 30 days past due. The screen shots show missed payments on loan and yet the membership fees always went through

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: EQUIFAX, 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:
XX/XX/XXXX noticed there inaccuracies on credit report phone in and wrote letters to have items investigated have not received results nor has items been removed ; accounts addressed were : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Bankruptcy, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. And XXXX has never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: U.S. BANCORP
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In 2006, I filed for bankruptcy if my real estate investment company. My primary residence was included but we wanted to keep our home and reaffirm the mortgage. 

We signed the reaffirmation agreement, but it was NOT sent to the recorders office by out attorneys. 

For 3 years U.S. Bank took our mortgage payments after the bankruptcy was discharged. Once they found it that our primary residence WAS included in the bankruptcy, U.S. bank stopped accepting our mortgage payments.

We have tried unsuccessfully for over 13 years to fix our mortgage but U. S. Bank has thwarted our efforts. 

It has caused so much stress and strain that it affected my marriage and after 29.5 years we divorced. 

U.S. Bank  has not assisted me, like it has assisted so many other clients, in trying to keep this XXXX veteran in his home. 

I dont believe the modification process has been fair and Ive had an undue burden placed on me and my family. 

I have been approved for a loan modification at least 3 times and approved for a short sale once because U.S. Bank got the information wrong and processed our home for a short sale when we requested a loan modification. 

The delays have lead to an insurmountable debt that U.S. Bank should take some responsibility for. I was approved again for a modification but my ex wife will NOT sign the modification paperwork. 

U.S. Bank is moving forward with the foreclosure process when all they have to do is give the homeowner a new mortgage. 

I would like some help in keeping my home of 23 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 non-monetary relief
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am super frustrated, this is my 3rd complaint. Take action Please. I purchased a home using XXXX XXXX, they provided Down Payment Assistance tthru Texas-see attached page. I was aware it would be recorded as a second lien, I was not aware it would be reported as an open debt that never goes down, it is affecting my credit rating downward, I was told by a lender that it reports like a collection, just an unpaid bill. I contacted the servicer and they have just ignored the situation. I need this loan dismissed as paid in full or removed from the credit bureaus with no derogatory remarks. I am so frustrated I thought I should just start paying it off, nope they make that also super hard. I can't use their website to pay safely and when it's convenient. Nope I need to call them and work pout some arrangement. The first mortgage is actually a mortgage, this second lien reporting is ruining my credit, I never agreed to this, there was no disclosures regarding any credit reporting of this second lien. My latest correspondence, rest assured it is still on my credit report. 

From : XXXX-XXXX XXXX Date : Fri, XX/XX/2020 at XXXX XXXX  Subject : RE : Borrower Connection Contact Email From XXXX XXXX . Loan # : XXXX. Subject : MakingAPayment To : XXXX XXXX Hello, The only way to make a payment on this smaller second deferred loan is to pay over the phone with customer service at XXXX or to send a check with the loan number to the address : XXXX XXXX XXXX  XXXX XXXX, ID XXXX Make sure your loan number, your property address, and your phone number are listed on the check. 









XXXX XXXX | Customer Service Rep I XXXX XXXX XXXX XXXX, XXXX, ID XXXX Phone XXXX or XXXX XXXX From : XXXX XXXX   XXXX Sent : Monday, XX/XX/2020 XXXX XXXX  To : XXXX-XXXX  XXXX Subject : Borrower Connection Contact Email From XXXX XXXX. Loan # : XXXX. Subject : MakingAPayment Name : XXXX XXXX Email : XXXX Selected Loan Number : XXXX All Loan Numbers : XXXX, XXXX Subject : MakingAPayment Message : I want the ability to pay towards the second mortgage online, please make it happen

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 2023-07-14
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
Inquiries XXXXXXXX XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Bread Financial Holdings, Inc.
State: NM
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:
XXXX Bank - torrid credit card. They have not reported any account changes since XX/XX/2022. I have since paid off the account, and my report is still reflecting a high balance of around {$2300.00}. My balance is now at {$200.00}. It has impacted my ability to gain financing with other lenders. I have reached out to Commenity and they state that they will update my account in 1 to 2 billing cycles, but it still has not happened. It has been almost 6 months and I don't know how to get them to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$95.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX XXXX  XXXX Balance : {$2900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief