BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I filed for chapter  XXXX  bankruptcy on  XXXX   XXXX  of  2017. I filed jointly with my spouse. The bankruptcy was discharged o n  XXXX   XXXX  of  2017 . The bankruptcy is still not showing on my credit report with any of the  XXXX  bureaus. It does n't even show that I filed at all. It is already showing on my husbands that it was discharged. I contacted Transunion,  XXXX , and  XXXX  on  XXXX   XXXX  to see why it still have n't reported it. They all tell me, it 's nothing they can do because that are just a monitoring agency. They have n't given me any resources or any other response besides there is nothing they can do since it 's not reporting. I called again on  XXXX   XXXX  once it was  discharged  and was told the same thing. I know the bureaus received the notice because again, they are reporting the accurate information on my credit file. I was told there was no reason to send the documents, because they ca n't correct my credit file because they only do " credit monitoring ''.

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 2020-07-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was DENIED a small business account stating my business is high risk. Thats clearly defamation and DISCRIMINATION. 

As a XXXX woman whose father served in the XXXX and who struggled with credit for years, I decided to educate myself and become certified to started offering credit repair services last year. 

My business has been open since 2007 with Career and business services. I am a military dependent and have the right to use my bank for my business. 

I am DISGUSTED with NFCU, and have filed several complaints about discrimination and prejudice because if I were XXXX, a loophole or exception would have been made. 

I shouldnt be punished because Im assisting others to learn how to be more financially literate by offering credit repair & budgeting, so they can open a small business to get business funding with their established credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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:
On XX/XX/2022 XXXX XXXX Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
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: Information belongs to someone else

Complaint:
Equifax breach. There are discrepancy in my report that is still there and Equifax doesn't do anything about it. In resulting in my accounts are being closed and I can't pay bills. XXXX credit card is one of them. It stated to XXXX last month that they closed account yet when I got Equifax report over the past weekend it states I closed the account and they are adding charges to card that I did not authorize. XXXX is another one. XXXX told me that Equifax closed my account for too many open new accounts. This is untrue. I never opened new accounts yet did not receive any cards. Then XXXX counterdict by saying I made payments that I never authorized. Equifax is telling these companies of new accounts that I did not open yet received any cards, making companies close my account and destroy my credit. I also received an email from business consumer alliance stating they tried to reach out to XXXX and XXXX never responded to their inquiry twice not once but twice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: MO
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:
I have sent letters and never got a reply, I have called and never got anyone to answer just a repeating auto information, I am locked out of my accounts with Equifax and XXXX. They are no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I Am a natural person, I Am a living human being. I have rights under 15 USC 1681 : Equifax is governed by 15 USC 1681 ;, and they have violated my rights numerous of times. I Demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy. I did not give Equifax written permission to furnish these accounts. XXXX {$140.00}. XXXX- {$220.00}. XXXX- {$190.00}, XXXX- {$220.00}. XXXX- {$220.00}, XXXX- {$290.00}. XXXX {$290.00}. XXXX {$320.00}. XXXX {$350.00}, XXXX- {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted the company numerous times and I haven't gotten any response. They are violating my right. I never had any services from this company. 

15 USC Section602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any6 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 explanation
Consumer complaint received 2017-06-13
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name was forged on a contract with  XXXX  for a cell phone. I never agree to a two year contract and buy my own phones. A signature on the contract is n't mine. After several conversations locally and with their accounting department over a bill for early termination of {$160.00}. I offered {$50.00} to settle the account. I sent a check which clearly states " Full and final payment '' which they cashed.  XXXX  then sent the account to PiinnacleLLC, a collection agency. They have done nothing to collect the remaining {$110.00} except harass me by reporting me to the  XXXX  major credit bureaus each month fo r three years and three mo nths. The account is no longer collectable, the statute of laminations has expired aft er three yea rs. Please note also in the file I attached  XXXX  other collection agencies plus  Pinnacle  have called me. After each contact I explained to the  XXXX  others they dropped out and the account goes back to Pinnacle. Please look at the contract signatures plus my actual signature as an example.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am making a complaint against this company because they are refusing to remove this collection that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting with XXXX. Remove this item from my credit report ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im accordance with the fair credit reporting act XXXX  account numbers : ( XXXX XXXX XXXX ) ( XXXX -XXXX  ) XXXX XXXX also using account # XXXX- representing as XXXX XXXX investments ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX  ). ( XXXX also using account # XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). ( XXXX- XXXX XXXX XXXXXXXX XXXX  ) ( XXXX. -XXXXt ) all listed has all 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 2022-08-29
Company: EQUIFAX, INC.
State: KY
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, 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 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 2019-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Online I notified the Bank of America that there was a fraudulent charge on my card I didnt realize that I was also asking the Bank of America to close my account resulting in the loss of my earned points

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 2022-01-10
Company: Cornerstone Home Lending Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I made a partial payment on the mortgage out of my 100 % service connected XXXX XXXX funds and was going to pay the last {$140.00} that I owed Cornerstone Home Lending when I got my Social Security funds in less than two weeks after I paid the other amount. I had just gone through the 14th time I had fraud and ID theft on my bank accounts and through email, XXXX, phone, and snail mail and everything was a big mess for me financially. This is because I was an intelligence officer in the XXXX and speak XXXX, and had an application to teach XXXX at the XXXX XXXX XXXX that was active when the Russian government hacked into the XXXX XXXX 's XXXX IT XXXX. 

The mortgage payment I made was refused and when I called to find out why, the customer service agent said they only accepted complete payments. Now I owe them money for their late fee as well as the mortgage payment I missed. I had to get help from our local social services office in our county, but the charity that is helping has not paid the overdue payment yet. 

I am making the complaint because this mortgage company will not help the borrower make arrangements to pay less than the complete payment or take a partial payment. Therefore they make more money off the borrowers through charging extra fees and it is easier for them to foreclose and kick the borrowers out of their houses. 

Certainly this should be illegal and the US government should do something about this!!! 

It

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Account Control Services, Inc
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have already paid this debt in full but XXXX XXXX still have on my XXXX has not notified them that it has been fully paid with interest so it is troubling that I in good faith paid it up but they have not do their part. I notified them but thinking about a legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I changed banks, updated my account information online with Ally, they continued to pull from wrong account even after multiple calls to correct. They then instructed me that i would have to make six months payments through moneygram because of their mistakes. Ist payment went through fine. 2nd did not go through even though the money has been verified as received by Ally. This has been going on for three weeks. When i asked to speak with a manager i am told they cant transfer m e, they will call me in three days, they will call me today or they just cant do that at all. Help! This is impacting my credit as well. They keep continuing to try to collect a debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I spoke with an agent at Navient on XX/XX/XXXX about a refund for my loan payments dating back to XX/XX/XXXX. I was given a lot of incorrect information on the call. I stated I only wanted the refund if my loans would not show delinquent status. I was told the refund amount would be {$37000.00} ( which I told the agent wasn't right ). They said I would receive a written letter detailing the refund and correct amount before it was approved. I received no written communication, the refund amount was incorrect, and my loan was marked delinquent. Please review this call and correct my delinquent status, I do not want a refund if my account will be marked delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: LD Holdings Group, LLC
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I entered the forbearance program last year as random cutback and layoffs over covid were affecting my company of emplyment. Later in the year, they cut work force permanently. Loan Depot had approved my program and was very helpful with the process. In the beginning of this year, the servicing went to XXXX about the time I was coming out of the forbearance program. In XXXX, I requested to be remeoved from this program and to start making my normal payments again. I was informed that there was all this new paperwork to fill out to see if I was eligible for the forbearance program after a year of payments in arrear and I could no longer make payments except to certain agents. I filled out the paprwork and offered them a good faith payment to start out. I didnt hear from them again until XXXX, when XXXX XXXX told me they needed more information. I sent the information and attempted to make payment, which was refused by their agent. The next month, a new agent, XXXX XXXX, came in and said they just needed one more piece of information and all was approved to move forward, a statement that I wasnt working any extra income jobs. I provided this and gave her a payment with extra. She then emailed me that I would receive a form to sign and the amount to catch up my payment in the mail. The email also stated to ignore the coming bills demanding full balloon payment from loan depot as these were computer generated. I received one bill that had notarized court intent to forclose my home without full ballon paymenty and reached out since I had not heard from them since XXXX, over a month. I was put with a different person who then said all the paperwork needed to be completely resubmitted and start all over after 7 months of trying to get this situated and make payments, even though they intend to forclose in two weeks and have stalled me from action this long. upon my study, XXXX has been sued multiple times over 20 years for this action and taking houses to flip.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CrossCountry Mortgage LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Per complaint id : XXXX Cross Country Mortgage is responsible for paying the property tax bill on my account. I contribute money to an escrow account with them for this purpose. It was discovered on XX/XX/XXXX that Cross Country Mortgage was delinquent on paying a tax bill that was due on XX/XX/XXXX. As of today, XX/XX/XXXX, they still have not paid the tax bill which is now past 90 days. I have contacted Cross Country Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Despite all assurances they would pay the bill and the associated late fees, they still have not. Additionally, I sold the property on XX/XX/XXXX and closed the account. They are currently holding my escrow money ( approximately {$8500.00} ) and can not confirm whether or not they will pay the tax bill. They state again that it will be several days to process anything and can not give me a direct line of someone that can follow through. 

Update : XX/XX/XXXX I finally received the escrow money from Cross Country Mortgage and paid the taxes. However, I was promised reimbursement for the fines and my requests are being ignored. I followed up with the necessary evidence per the letter I received. The letter stated " submit proof of payment to our offices to request the reimbursement of any penalty fees paid. '' I submitted the proof of payment on XX/XX/XXXX and a detailed e-mail. I received no response from XXXX Mortgage. I called them today ( XX/XX/XXXX ) and they are now stating they need a signed letter from myself requesting the funds. This was never stated in any written or verbal communications with them. This is now delaying the process even further. I have submitted the signed letter today, but am told it will take at least another 15 days to resolve. This is on top of the 13 days I have already waited after submitting what was originally requested as the necessary documentation. 

I am opening another complaint in hopes that CFPB can help to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: SC
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 XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX BANK # XXXX, has violated my rights. 
XXXX BANK XXXX # XXXX, has violated my rights XXXX XXXXXXXX BANK # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
US DEPT OF EDXXXX # 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 15 U.S.C 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 explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation