BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Trying to get late payment report from XXXX and XX/XX/2021 to be removed from Planet Home Lending. From XXXX until XXXX our family came down with XXXX. My husband and I was hit very hard with XXXX and was in the XXXX room. When we were feeling better we called to make a payment on the mortgage and the first time we called to make the payment, they took it over the phone and the payment was never processed. So a couple of weeks later we called back again and took another payment and actually processed the payment. We were not aware at that point that they offered help with COVID issues cause we were never told and also our mortgage was being sold to another company. Another week went by and the payment was still not processed. We were told that they no longer had our mortgage that it was transferred to XXXX. When it finally got to XXXX in XX/XX/2021, we had to make 3 months payments. We are trying to refinance our home but it is showing late payments. We tried to explain this all to them and they said that there is nothing that they can do cause the payment were late. We told them what had happened and sill nothing. They are saying that they tried reaching out to us but never got an answer but dont show us calling in. It is not our fault that they wouldnt process our payments. We tried and it never went through. We cant refinance as long as they are showing, we need you help. When the loan was transferred to the new mortgage company they had no issues with processing our payments and never issued a late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

These inquiries are on my credit report and are not mine.

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Please have XXXX and TransUnion update my XXXX 's account to reflect no late payments. Attached is a copy of my XXXX report dated today, showing that there are no late payments on this account. 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 non-monetary relief
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The following closed accounts placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative accounts on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX ( XXXX. XXXX, 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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2022-01-26
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI MIDLAND CREDIT MANAGEMENT ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After the holidays, I reviewed my bank account and saw several unauthorized charges ( I had traveled north for the holidays, and these transactions were in Socal and also Arizona ). I reported them/filed a claim and closed my debit card and requested a new one be issued. They assured me I would not be responsible for any of the  transactions that were not mine and that was it. I moved the remaining funds out of my account in the meantime to avoid further issues, and heard nothing back on the claim status and didn't think anything of it as I have a medical condition and have been in and out of the hospital while I wait for XXXX in the next couple of weeks. I called to follow up today as I had received my new card and needed to activate it. They informed me the claim had been closed after a " thoroughly exhaustive '' review which somehow was performed that same day within a matter of hours and then closed. They denied my claim and said my only options were to call the merchant and file a police report. I informed them I had already contacted the merchant and they'd told me to contact my bank. Their response was they could do nothing else. I asked to be transferred to someone to close my account, but was left on hold for over 20 minutes so I had to hang up as I have doctor 's appointments today. I will call back and close my account later today but am so frustrated this has become so much work for me.

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 2020-08-01
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
SunTrust is the worst bank i have ever known..im a single mom and on short term XXXX. They closed my checking account after 2 weeks and i had set my direct deposit up. After being out of work for 2 months and waiting and needing my check on XX/XX/XXXX they froze my account and causing me not to have access to my money. Said they will send me a check in 20 days. I have cried to them explaining that money was my only income to pay my bills and buy food for my family on the XXXX. They refuse to release my freeze to get my money. This will cost me everything and put me and my family on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
BANK OF AMERICA/BAC loans and XXXX XXXX under all known subsidiaries plus with the aid of government resources plus bankruptcy fraud used my property and my identity on property loans that have continued to force my property into fictitious foreclosures that are not investigated by any oversight. 

BAC LOANS with dozens of individuals did participate in loans schemes without my knowledge and outside of regulations of SEC for no less than one decade. 

Bank of America to Pay {$16.00} Billion in Historic Justice Department Settlement for Financial Fraud Leading up to and During the Financial Crisis BAC LOANS with Countrywide have been investigated, sanctioned and fined for all types of violations under financial fictitious loans schemes, and consumer frauds. 

Bank of America BAC has been hit with substantial financial penalties that amount to {$250.00} XXXX. 

CFPB Fines XXXX XXXX  {$37.00} XXXX for Illegally Exploiting Personal Data to Open Sham Accounts for Unsuspecting Customers The bank pressured employees to sell, leading them to access credit reports and open accounts without permission XX/XX/XXXX  This includes {$100.00} XXXX in customer reimbursements and {$150.00} XXXX in fines due to a trio of unsavory practices involving overdraft fees, withholding credit card rewards and opening unauthorized accounts.6 days ago Consumer Financial Protection Bureau ( CFPB ) took action against XXXXXXXX XXXX for illegally accessing its customers credit reports and opening checking and savings accounts, credit cards, and lines of credit without customers permission. XXXX XXXX pressured and incentivized its employees to sell multiple products and services to its customers, including imposing sales goals as part of their employees job requirements. In response, XXXXXXXX XXXX  employees unlawfully accessed customers credit reports and sensitive personal data to apply for and open unauthorized accounts. XXXX XXXX  must make harmed customers whole and pay a {$37.00} XXXX penalty.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: NY
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 one of my numerous 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. XXXX XXXX XXXX XXXX. Please delete this account immediately.

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 2020-01-07
Company: Cawley & Bergmann, LLP
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions 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:
The following late payment remarks have been placed onto my credit report without my verbal or written consent to do so which is a direct violation of my rights under the FCRA and section 15 USC 1681B. Due to these facts given the following late payment remarks must be removed : XXXX XXXX XXXX for the months of XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

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 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

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 2022-10-07
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, Since XX/XX/XXXX I have been receiving emails from US BANK ( XXXX so far ) that do not pertain to me. My email address is XXXX. I do not have an account with US Bank since XXXX when I had a mortgage there. 

From the emails I've been receiving it looks like someone is trying to open an account with my email and possibly my name. One email it addressed to XXXX XXXX XXXX. My name is XXXX XXXX XXXX. 

I have called the bank each time I've received an email and have been transferred to the Fraud Dept. XXXX has a different social security number. I was told they may have mixed up our accounts and was given an email to go to and told to write in STOP. My email did not go through. 

I have attached the emails.

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 2023-06-08
Company: Experian Information Solutions Inc.
State: TX
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 received notifications of 2 hard inquiries of my credit report without my authorization.

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 2022-01-27
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To whom it may concern, MCM-Midland Credit Management Keeps contacting me, i told them i have no Knowledge of the account, I told them i want a copy of the signature they say is mine. all they can provide is a bill on what was charged ( this keeps going on ) with MCM. now they have threated me ( this is the 3 collection co. ) the others removed me. then mcm bought the this from another collection co, They can not verify the account other than a bill for XXXX XXXX, i Don't even have a credit card for XXXX XXXX ) they are threating to sue me. i sent them a letter told them if they cant find a signature then i will get my attorney involved, ( they seem like a scammer, will not take no for an answer. MCM ( Midland Credit needs to close up ) will not take no for an answer. ( Scammers ) I want a copy of the Signature, that they can find.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, 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:
I recently reviewed my credit report and found that one account balance is being reported incorrectly. The account balance being reported incorrectly is XXXX account ending in XXXX. The correct balance is {$200.00}. I contacted XXXX XXXX XXXX and was given the attached letter and told to contact the credit bureaus to have them update the account to reflect the correct information. I have attached the letter from XXXX to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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:
I recently reviewed my credit report and found that one account balance is being reported incorrectly. The account balance being reported incorrectly is XXXX account ending in XXXX. The correct balance is {$200.00}. I contacted XXXX XXXX XXXX and was given the attached letter and told to contact the credit bureaus to have them update the account to reflect the correct information. I have attached the letter from XXXX to this 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 non-monetary relief
Consumer complaint received 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently paid off approximately 80 % of my credit card utilization ( about XXXX  ) XXXX  and Transunion dropped my score 26 points. 
Upon investigation on each ones website on the FAQ 's it states factors that affect your credit score The main one is Used : Credit vs Available credit. 30 % In reality they do not take into account the Available credit and now only use the 5 cards I have open as the metrics for my score.

This is an unfair practice, even the agencies couldn't explain why I dropped 26 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 explanation