BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-31
Company: LANIER COLLECTIONS AGENCY AND SERVICES 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:
XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$620.00} There are no contracts, no valid claims ... account was settled original with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX OF XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX CB XX/XX/XXXX XXXX AUTO AN XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.A. 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 non-monetary relief
Consumer complaint received 2019-12-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was not approved to open a XXXX credit card today XX/XX/19 because there are accounts reflecting badly on my credit report ; I was not aware of these accounts until today. None of those accounts belong to me nor did I allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts on my behalf without my consent but I have already filed a police report. I did not benefit anything from these accounts such as money, goods or services and I did not make any purchases or payments towards these accounts.

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 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The credit reporting industry does not provide accurate credit scores that the mortgage lenders are using. For example XXXX  gives you a XXXX Score XXXX, but lenders use XXXX score XXXX. There is a substantial difference between these scores and there is no explanation as to why there is such a difference. I have a great history on payments for mortgages and auto loans. I have never been late on either and have payed off mortgages and auto loans in the past. I have never foreclosed on a home loan nor short-saled, I have never had my cars repossessed, yet my XXXX  score for the mortgages and auto is much lower than what the XXXX  score being reported to me is, by almost 72 points. I am being told there are different models for determining scores for mortgages and auto loans. I don't understand why there are different models and why we can't get the formula for determining our scores ourselves.

It seems to me that this is a tactic lenders are using to justify giving you a higher interest rate to good paying consumers. It's an unfair practice and this industry needs regulations. Right now consumers can not dispute their scores only their credit reports. It is in my opinion that a consumer should have the right to know how XXXX determines your scores for mortgages and auto loans. There should only be one score that is used by lenders, whether applying for a credit card, an auto loan or home loan and not this convoluted system they've created to scam people out of more money.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Bread Financial Holdings, 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 status incorrect

Complaint:
I was speaking with this company about settling my debt. I provided them my card information and all and agreed to pay the debt for a lower amount. This company used my card without my permission and charged it for the entire amount of debt rather than the amount we agreed on settling for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was not approved to open a XXXX credit card today XX/XX/19 because there are accounts reflecting badly on my credit report ; I was not aware of these accounts until today. None of those accounts belong to me nor did I allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts on my behalf without my consent but I have already filed a police report. I did not benefit anything from these accounts such as money, goods or services and I did not make any purchases or payments towards these accounts.

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 2023-08-10
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: Information belongs to someone else

Complaint:
I have an account from XXXX XXXX XXXX and XXXX that XXXX BOTH fraud and both that are almost seven years old and is fraud with XXXX. I have disputed it several times and they are saying its valid but wont give me any documentation on it being valid cause its NOT. I was deleted once then came back. I called and said I filed a fraud affidavit with FTC which I did as well as a police report. I submitted this stuff to them and have had no resolution. I call time and time again and get no where. The last representative got an attitude with me and said if I dont like it to file a complaint with FTC XXXX I asked for a supervisor he kept stating I need a reason to talk to a supervisor and will get the same response. I finally hung up they are rude, disrespectful and no help. He couldnt give me an answer on the resolution with submitting the FTC and police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: CITIBANK, N.A.
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

2. Identity Theft CITIBANKNA Account Number : XXXX This is not mine.

3. Identity Theft CITIBANKNA Account Number : XXXX  This is not mine.

4. Identity Theft THD/CBNA Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX XXXX  Account Number : XXXX  This is 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 explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

The letters are stated with items and issues.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Upgrade, Inc.
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: Other problem

Complaint:
I am aware and have proof in attachment labeled as Exhibit A An application was made in good faith, with the understanding that I would be considered for credit based on my creditworthiness and other relevant factors. Despite my application being made in good faith, no credit was receive. I am aware and have proof in attachment labeled as Exhibit A These facts are proof of fraudulent activity and unauthorized use of a credit card on behalf of Upgrade , Inc . This conduct is in violation of various federal laws, including but not limited to : 15 USC 1602, 1642, 1691c, 15 USC 1692k, 1681m, 1681n, and 1681o, as well as 12 CFR 1002.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the credit bureaus as well as Bank of America to remove this fraudulent closed account that was opened under my name and with my information. I disputed many times and no results. I kindly ask for the removal of this account from all my credit bureaus and my history. 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 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
I logged onto XXXX and filled out the COVID-19 request free weekly credit report page, as directed by the consumer.ftc.gov website. N
ot one of the 3 reporting companies, XXXX, TransUnion nor XXXX is able to supply me with the report online. 
The only option is to fill out a PDF form AND send copies of my personal information ( SSA card/Driver 's License ) etc through the mail. This is not secure, nor is it what is promised by the FTC. The FTC states that I can receive copies of my credit report ONLINE. I use a VPN, so I know the information sent/received online is secure.

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 2023-09-06
Company: NEW YORK COMMUNITY BANCORP INC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2023 I noticed the deduction from my checking account was increased by {$2300.00}. I called Flagstar bank and was told my insurance was cancelled in XX/XX/2023. The policy was issued in XX/XX/2023 and paid through my escrow at the bank. I called the insurance company, XXXX, and was told I did not respond to a letter to schedule a home inspection. The letter was mailed to an incorrect mailing address, thus I never received it. They had my phone number and email but did not use either to contact me. So the bank took out a homeowners policy for over {$13000.00}. They used escrow funds and 6 days later returned the funds to my escrow all without my knowledge. I live in Connecticut at XXXX XXXX XXXX XXXX. XXXX, Ct. The bank mailed information to me at : XXXX XXXX XXXX XXXX XXXX XXXX, Ct They used part of my Connecticut address and part XXXX, Ma address so nothing was ever received. I would suspect it was returned to Flagstar which should have triggered a different contact method but did not. 
On XX/XX/2023, after speaking with Flagstar bank, I immediately found and secured a new homeowners insurance with an annual premium of {$3100.00}. My previous policy with XXXX was approximately {$2800.00} per year. After numerous hours on the phone with Flagstar I was told the excess withheld on XX/XX/XXXX would be placed in escrow and a check mailed to me for {$820.00}. I asked if anything else was necessary and was told no and the matter was resolved. However, I received a letter from Flagstar dated XX/XX/2023 stating that an insurance charge of {$3600.00} would be charged to my escrow account for the lapse in insurance for approximately 4 months. This amounts to more than my current annual premium. In fact, it showed it was paid on XX/XX/XXXX. I did not approve this and am not willing to be incorrectly charged due to their error The resolution I am willing to propose is to pay a portion of the previous policy premium for the time the policy was not in force. This amounts to approximately {$930.00} or 4 months premium. I can be reached by email or cell phone at XXXX. 

Flagstar Bank XXXXXXXX XXXX XXXXXXXX XXXX, oh XXXX XXXX XXXX I can provide copies of correspondence if needed. 


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 2023-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 want to report some fraudulent inquiries that are on my Equifax credit report and I want them to be deleted as soon as possible. They have been laying and sending me papers saying that the fraudulent inquiries have been deleted but they are still on my credit. Here are the fraudulent inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
PAN NO. XXXX Name : XXXX XXXX XXXX This is regarding a credit score report sought by my bank for a Loan where one my loan that has been closed long back is still showing as open or delayed. I am sharing herewith the XXXX from the loan provider for necessary corrections and resending the mail to my bank XXXX, XXXX, XXXX, XXXX so that the necessary approvals will be accorded in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I reached out to Mr.Cooper regarding an increase in my mortgage with a new monthly bill of {$2200.00} that was scheduled for XXXX via telephone on XX/XX/XXXX. There was an escrow shortage in the amount of {$490.00}. I paid the shortage to avoid an increase. I was told to call back in on XX/XX/XXXX to give time for the payment to process and have a new analysis to be run, so that there will be no shortage and my mortgage would go back to the original amount. I called on XX/XX/XXXX and the person refused to run the analysis and was very rude. I sent an email on XX/XX/XXXX and a new analysis was ran ( doc attached ) which put my mortgage back to the original amount. 

I checked my account and see my payment due is {$2200.00}. I reached out to XXXX again via email and they responded by saying my mortgage will increase in XXXX because my escrow might be short in the future. However my bill has increased for the month of XXXX. However, my bill should not increase based on a possibility and should be based on the analysis and whether I currently have a shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Solar Mosaic LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Mosaic : Solar panel loan, has been auto-drafted from my account for over a year. I was not notified that there were any issues with the auto-draft. 3 months passed before I got a letter in the mail saying we owed over {$800.00} to mosaic. I immediately researched my bank account statements and noticed the payments have come out in 3 months. I immediately tried logging in to the mosaic loan portal. Access was denied. I sent an email to the company asking about the past due balance and my account not letting me access. Case no : XXXX. These emails occurred on XX/XX/2023 and XX/XX/2023. I have not received a response from either inquiry. I had no idea the auto draft wasnt happening or the loan was defaulted. I have made every attempt to contact Mosaic but they refuse to speak with me and want me to communicate only with the debt collector. I have received zero written communication from the debt collector. My address was not accurate in the mosaic system. They were saying my physical address with the state Arizona. I live in Arkansas. But we use a XXXX XXXX XXXX We havent been properly notified.

Company response to consumer: Closed with explanation