BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: M/I Homes, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I am being asked for the 2 most recent statements per my personal checking account and paystubs showing 30 days by MI Homes Financial. I sent them the information they asked for except I blocked out all but the last 4 digits of the banking account number out of privacy concerns. I do my best to protect myself against fraud. I also block out my employee id from my paystubs. After submitting it, I was told they needed the documents resubmit without blocking out the account number or employee ID. When I asked why they needed that information. This is the response I received : " Our investor and FHA will need to see all of the information reflected on the bank statements and the paystubs without any markings We have submitted documents in the past to our investor and FHA with mark-outs and obstructions, and they unfortunately kicked the loan back to us We would hate for your loan to be kicked back, so please be sure to resend your documents without any markings or obstructions '' As if they would deny me the loan for not sharing what I believe to be private information. This explanation does not make sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Wow! Nasty trick on my Chase Credit card. Glad that I caught it... I'm sure that many will fall for it. I went to my Chase App looking for my statement balance with the intent to pay in full. Usually they will list the minimum payment due along with the full statement balance. Today, the " Full statement balance '' was replaced with " remaining statement balance '' ( full balance - minimum payment ). This would have of course led to me not making a full payment and being subject to fees and charges. I had to open an additional page in order to find the " full balance '' to pay in full. Nasty trick!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I mailed a certified letter to the US Bankruptcy Court XXXX XXXX of Michigan. In my letter I requested that they provide me with the process and/or procedure they follow to verify records regarding bankruptcies, and if they supplied the information to the credit bureaus. I received a letter response from the Bankruptcy Court stating, they do not report individual bankruptcy case filing data to credit reporting agencies, nor do they update information directly to the credit bureaus. '' With that being said ; how did the credit bureaus verify the bankruptcy? According to the 15 USC 1681, my rights have been continuously violated : 15 USC 1681 ( a ) ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I got these negative items from unknown companies to show up on my credit 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 non-monetary relief
Consumer complaint received 2019-01-11
Company: WELLS FARGO & COMPANY
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:
There are 2 issues with Wells Fargo Dealer Services : 1 ) I secured a deferment for account XXXX  in XX/XX/XXXX to ensure that i would be caught up and not 30 days late. However, looking at my report, it appears that i was dinged in XXXX for being 30 days late. This error needs to be corrected as my credit score is dinged because of this late mark.

2 ) Account XXXXXXXX is over 7 years and needs to be removed from the Adverse Accounts on my Credit Reports. The Date of First Delinquency on some credit reports is XX/XX/XXXX and others is XX/XX/XXXX. I can not find a complete list of payments for this account and believe a delinquency occurred earlier. Since Wells Fargo hides the payment information, i can not find a complete picture on any credit monitoring system. The credit report data i have seen only goes to XX/XX/XXXX. In order, to be able to manage my credit i need a complete picture of all payments - that is from XX/XX/XXXXthru 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 2020-10-06
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
COMPLAINT ABOUT A FINANCIAL INSTITUTION/CREDIT CARD Issue was with the companys negligence and lack of cooperation with me resulted in failure to resolve issue with provider in XXXX. 

Providers delivery was inaccurate and unacceptable. It was an internet food order from XXXX XXXX  XXXX  Stores left outside in extreme heat without notice and no receipt. I didnt know who to contact as they said it was a third party, XXXX XXXX. 

Generally, when an issue is raised the institution will put the amount into dispute category until resolved. This was not done until XXXX. 

My experience with institutions has been that once they are billed, they have contact information. In fact, they provide telephone numbers and ask you to try to resolve. Not done. The usual process is efficient, meaning usually resolved within 30 days. Here it was 3 months after I said I would not pay. 

This was blatant neglect and passing charge on the me. It was a small amount, I could have paid it. In fact, I probably had more than that amount in points/ $ $ on their card that I left. They should not be allowed to steam roll anyone because some people would pay simply to keep it off their credit. My credit report for XXXX years never a late payment nor unpaid bill, until now XXXX {$56.00} ) amount owed. I am challenging this unfair treatment.

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 2022-10-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, I mailed a certified letter to the US Bankruptcy Court XXXX XXXX of Michigan. In my letter I requested that they provide me with the process and/or procedure they follow to verify records regarding bankruptcies, and if they supplied the information to the credit bureaus. I received a letter response from the Bankruptcy Court stating, they do not report individual bankruptcy case filing data to credit reporting agencies, nor do they update information directly to the credit bureaus. '' With that being said ; how did the credit bureaus verify the bankruptcy? According to the 15 USC 1681, my rights have been continuously violated : 15 USC 1681 ( a ) ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my review of my credit report LVNV FUNDING LLC is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company calls me more than 3 times in an hour and more than 12 times in a day. Even after I have spoken with someone the day before, the calls continue to come in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a car from US Auto XXXX XXXXXXXX XXXX and found out that Westlake Portfolio Management has taken over the loan. However I see that Westlake Portfolio is a debt collector. So I was trying to trade in my vehicle and the car dealer will not take my vehicle because of who i purchased it from. I have had this issue with several dealerships. Something about US auto is on the report but westlake portfolio owns it. They will not touch the vehiclewhen it comes to getting the title. However I noticed a few months back that US Auto has closed down due to bankruptcy. So can somebody please explain how a DEBT COLLECTOR has my vehicle and access to my vehicle if the car company has shut down and no longer in business

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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:
In accordance with the fair credit reporting act XXXX account 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any reason.

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 2019-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank of America has failed to send payment to me after checks they sent me were returned to them or XXXX XXXX or XXXX Bank. These checks were returned by XXXX as I no longer lived at the address where they sent them. XXXX XXXX XXXX calls and tells me that Bank of America will reimburse me {$360000.00} yet I have received nothing : FACT : XXXX XXXX XXXX XXXX XXXX calls ( XX/XX/XXXX XXXX tell me I will be receiving checks for {$360000.00}. B of A calls and tells me same. Due to loan servicing errors and equity I will be receiving check/checks from RUST soon. We know that as many as XXXX people are in the same position as me. LOST CHECKS, RETURNED as UNDELIVERABLE Sent to wrong person. Most of them were found and paid. 

FOIA Paragraph from Letter of XX/XX/XXXX from XXXX XXXX XXXX FOIA request through my letter to head of XXXX XXXX XXXX XX/XX/XXXX. 

" The OCCs enforcement action that led to your payment originated from examinations conducted in the fourth quarter of XXXX and is described in the report available at http : XXXX. The consent orders involving your specific servicer are also available online at http : //www.occ.gov/independentforeclosurereview '' XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX of XXXX XXXX and XXXX of 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 2023-04-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Send the company a letter in regards of late payments show up accumulated during the pandemic. Demand them to remove it and it be more then 45 days this company has not responded or hasnt removed the late payment. 
According to the CARES ACT Under Section 4021 of the CARES Act, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et. seq., this is violating my rights as a consumer I ask for you to remove it immediately with a copy of the update or removal thank you. I havent received anything and I have gave this company more then a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022, I mailed a check to pay off my account in the amount of {$950.00}, the check was endorsed on the back by XXXX Bank and cleared my bank on XXXX XXXX. That amount has not been credited to my account. In fact, on XX/XX/2022, they applied a {$30.00} late fee to my account. I have made numerous phone calls and sent numerous emails about this error and have not gotten a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: PA
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 U.S.C 1681 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years.

! 5 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 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 lost my wallet and now after reviewing my credit report I see someone has been trying to buy things using my personal information. I have not given any of the companies that are on here to review my credit for anything.

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 2022-07-19
Company: American Credit Acceptance, LLC
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XXXX agreed to settle my loan for XXXX XXXX, they requested that I receive an appraisal to gauge the amount of what the vehicle is worth. I went to XXXX dealerships and received XXXX online appraisal offers, XXXX  additionally requested pictures of the interior and exterior of the vehicle. We agreed to settle account for XXXX, they sent me a settlement agreement which I signed and returned to them. I visit the dealership to sell the vehicle to satisfy the terms of the agreement and close the account, they report to the dealership that I owe XXXX. I called them, they only want me to sell the vehicle to a certain dealership which was not the agreement. The agreement is between me and them to satisfy the financial requirement to close the account, irrespective of if I sell the vehicle to a private buyer, a dealership or elect to keep the vehicle its my choice, theyve agreed to settle for the XXXX and they should honor this

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11
Company: ID Analytics, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am still having an issue getting my Sage Stream Consumer Report. I have sent identification documentation, but I havent received my Sage Stream Consumer Report as of today. All of the information, accounts and credit inquiries listed on my Sage Stream Consumer Report is all fraudulent information, accounts and credit inquiries, because I was just recently released from XXXX after being XXXX for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, DOB : XX/XX/1974, SSN : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: IL
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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