BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX IN ( Original Creditor : 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, and XXXX XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: MLB Residential Lending, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
This is XXXX XXXX and I'm a XXXX XXXX XXXX FROM XXXX XXXX XXXX. I'm submitting a complaint of behave of my client ( THE BUYER name XXXX XXXX XXXX  ). My client put an offer on XXXX XXXX XXXX XXXX FL XXXX and he had under contract by XX/XX/XXXX. My client was prequalified for FHA loan. The lender asked for the conditions the bank needed to approve the loan. My client sent them in time. My client paid for the home inspection, appraisal and 4 hours online course to qualified for a government program. The lender agent ( XXXX XXXX MLB RESIDENTIAL LENDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX  cell XXXX, Office XXXX, Fax XXXX and email XXXX  ) didn't try to help my client as he supposed to do. According to lender the bank denied my client and he had to submit another application to an investor. The new investor was out of state and it took a week to response every time that we sent a document to approve to my client. Lender ask for documents that my client already sent all the time. I had to issue the first extension on XX/XX/XXXX due to the delay in this process. Seller agreed to sign it. Lender ask for two more weeks to finalize the loan. After two weeks of waiting on the investor, the loan was approved. The lender asked for another extension XX/XX/XXXX. The seller agreed to sign it, but stated that she won't sign another extension. According to the lender, the investor wasn't responding on time. My client, the seller, the listing agent and myself were upset with the way the lender handled this loan. Seller didn't want to cancel, but she feel sorry for the buyer. It wasn't his fault. No to mention that I tried to contact the corporate office and they were worst than the local office. I was transferred to XXXX  ( XXXX ) who is the manager for that area of the country. He lied to me all the time and ignored all my phone calls and texts. I couldn't update my client through the corporate office. I believe my client deserve a better treatment and respect and myself as agent representing the real estate industries. I let the lender know that the seller would wait until Tuesday XX/XX/XXXX to submit a cancellation of the contract and my update was ignored. Seller cancelled on Wednesday XX/XX/XXXX and the lender texted the listing agent to inform her that all the conditions were met. Meaning with that we would have needed another week to wait for the clear to close. My client signed two disclosure statement that weren't accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXXXXXX 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
Consumer complaint received 2022-09-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Paypal Mastercard on JXX/XX/2022. The website requested that I unfreeze my credit report, which I did with XXXX. Then it asked me to unfreeze my credit report with XXXX, which I did. Then the website locked me out. Subsequently I received notice that my application had been denied due to a credit freeze. However, when I checked with XXXX I found that Synchrony bank had accessed my credit report with XXXX and did a hard pull which decreased my credit score. Synchrony claims they did not, and XXXX said they did. XXXX then sent Synchrony an inquiry on this matter on XX/XX/2022 and they have not replied. I need to have the hard pull removed from my credit report, or the credit card be issued. I am attaching a screenshot from my credit report from XXXX showing the hard pull and also the three letters of decline from Synchrony stating I was declined because they could not access my credit report, when in fact according to XXXX, they did.

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 2017-08-17
Company: EQUIFAX, INC.
State: TX
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 sent a request via certified mail : I am requesting the removal of a bankruptcy ( below ) on my credit report due to Civil Case No. XXXX XXXX, XXXX XXXX, XXXX XXXX, v. Equifax Information Service , LLC , I did not know the source of their information on those judgments and bankruptcies and due to this, Equifax, XXXX and XXXX has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. My request have been ignored and unfulfilled and not validated : XXXX has the phone # XXXX listed ( which is a recording stating " You have reached a none working number. '' as a source of validation on the XXXX report. I have tried to speak to Dispute dept Reps from XXXX  only to be told that they use a 3rd party to validate the Bankruptcy, but did not know the name of the 3rd party company that XXXX uses so they could not help me or remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Dear Sir/Madam, I am writing to file a formal complaint against XXXX ( XXXX XXXX XXXX XXXX in relation to a debt in the amount of {$810.00} that was charged off in XXXX but continues to be reported on my credit report as charged off. This ongoing incorrect reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ) and is negatively impacting my financial situation. 

Despite the debt being charged off by XXXX in XXXX, they continue to report it on a monthly basis as charged off. This continuous reporting not only misrepresents the current status of the debt but also violates the FRCA rules regarding accurate reporting of credit information. The incorrect reporting of this charged-off debt has had a detrimental effect on my financial well-being, making it difficult for me to obtain credit and negatively impacting my credit score. 

Additionally, I want to bring to your attention that I have not received a Form 1099 for this charged-off debt as required by the Internal Revenue Service ( IRS ) regulations. XXXX 's failure to provide this necessary documentation further adds to their noncompliance with relevant laws and regulations. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against XXXX. Specifically, I seek the following remedies : 1. Immediate removal of the charged-off debt from my credit report, as it is inaccurately and unfairly reported. 
2. Correction of any negative impact caused by the ongoing incorrect reporting, including the adjustment of interest rates and credit scores.

3. Compensation for any financial losses or damages I have incurred as a result of this inaccurate reporting. 
4. Enforcement of penalties on XXXX for their violation of the FCRA rules and failure to provide a Form 1099 for the charged-off debt. 

I trust that the Consumer Financial Protection Bureau will handle this complaint promptly and ensure that justice is served. Attached to this letter are supporting documents, including copies of my credit report showing the ongoing incorrect reporting of the charged-off debt, as well as any relevant correspondence with XXXX. 

Should you require any further information or clarification, please do not hesitate to contact me. Thank you for your attention to this matter, and I look forward to a swift resolution. 

Sincerely,

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 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent a request via certified mail : I am requesting the removal of a bankruptcy ( below ) on my credit report due to Civil Case No. XXXX XXXX, XXXX XXXX, XXXX XXXX, v. XXXX XXXX XXXX XXXX XXXX , I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX, TransUnion and XXXX has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. My request have been ignored and unfulfilled and not validated : XXXX has the phone # XXXX listed ( which is a recording stating " You have reached a none working number. '' as a source of validation on the XXXX report. I have tried to speak to Dispute dept Reps from XXXX  only to be told that they use a 3rd party to validate the Bankruptcy, but did not know the name of the 3rd party company that XXXX uses so they could not help me or remove it from my 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 explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to contact Transunion for over a week on trying to identity why I am unable to view my active disputes & dispute history online. 

Every time I call Transunion support, they end up transferring me 3-4 times, and I end up getting transferred to a " complaint and support dedication '' hotline where I have to leave a voicemail with my name & personal information. I have left several voicemails and no call has been returned. 

I have advised representatives multiple times that I am not trying to make a complaint about the company. But rather, I am simply wanting the ability to dispute online and see my active & previous disputes. 

My last resort now, is making a complaint with the CFPB since I am unable to get any support from Transunion.

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 2017-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I was charged a foreign transaction fee for a transaction for a purchase through XXXX, even though XXXX is not a foreign company. Additionally, the IRS ( https : //www.irs.gov/uac/newsroom/irs-virtual-currency-guidance ) seems to indicate that purchases on this platform should not incur such a fee. I tried to dispute the charge but the website does not allow customers to dispute fees.

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 2023-09-01
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Via my previous employer, XXXX ( owned by XXXX XXXX XXXX ), benefits program, I was able to open an XXXX account and XXXX  account - both managed by Webster Bank under their " XXXX '' brand. Both accounts are solely funded by my deposits. There are no matching funds from XXXX placed into either account. Neither account has a " use it or lose it '' policy within a calendar year. That is, no unused funds expire and all unused funds roll-over into the next calendar year. 

I am no longer with XXXX but am still able to use my XXXX debit card until all of the funds are depleted. Since I'm no longer commuting to an office, I called XXXX XXXX asking to cash-out the {$880.00} in my XXXX  account. Instead of informing me how to withdraw the funds- and possibly issue a 1099 statement- they told me that I can't access the funds because I am no longer with XXXX. 

If the account was funded by XXXX or if it was a " use it or lose it '' account, I could accept Webster Bank 's response- but neither is the case. I believe it is illegal for Webster to take my funds and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau Complaint against Bank of America From XXXX XXXX XXXX and XXXX XXXX, husband and wife In the year XXXX my wife, XXXX XXXX, and I set up a Health Savings Account through the Bank of America. In the subsequent years I made deposits into this account, as well as make disbursement requests from our banking accounts. The account number was # XXXX under my wifes name. Our mailing address and email address has not changed over the years. These were no problems for several years. 

In XXXX of XXXX, I went online to their website to request another medical expense for reimbursement. My password was refused. I called the helpline at ( XXXX ) XXXX. I was told by the agent that our account did not exist. I gave the agent all the information requested, including our names, social security numbers, and birthdates. I was told that they could not pull up the account. Calling back another day, I asked to talk to a supervisor. Her name was XXXX. She said she would look for the account in the back office to see if it was there. Calling me back, she had found it. We proceeded to reset our access into the account with a new user name and password. Subsequently I made two reimbursements requests, and the monies were deposited into our non-Bank of America account. 

In XX/XX/XXXX, I again went online to their website to request another medical expense reimbursement. My password was again refused. I again called the customer service number at ( XXXX ) XXXX. I was again told that the account could not be pulled up. After days of calling and talking to a different agent every time, I finally found one that listened to me. I suggested, and she confirmed, that I should scan and send supporting documentation from the account to her email address at Bank of America. I did this. I was later contacted by XXXX XXXX, Bank of America XXXX, Florida. We talked on the phone. She told me that the account was again found. XXXX stated that the account needed to be updated. She asked me to fill out two Bank of America forms, and send the supporting documentation to her email address. The address was XXXX. I have never received direct verification from anyone at Bank of America that my emails have been received by them. The forms I returned to them were an HSA Account Identity Verification Form, and a Name Change Request Form. These two forms and supporting documentation were sent on XXXX XX/XX/XXXX. We have not heard from them since.

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 2023-09-01
Company: Kikoff Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Have Been A Victims Of Identity Theft upon getting denied a credit union. I have reviewed my credit reports, and I have accounts that were opened in my name, Debt collectors mailing me stuff in the mail. I lost my social security card and drivers license on approx XX/XX/XXXX, Since then I have reported the identity theft to the social security administration and got a new drivers license, the accounts that are identity theft I will list below XXXX XXXX ) XXXX XXXX XXXX opened on or about XX/XX/XXXX XXXX ) EXTRA credit card opened on or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( auto ) opened on or about XX/XX/XXXX XXXX ) XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX  Self Lender opened on or about XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened on or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened on or about XX/XX/XXXX XXXX ) Self XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX XXXX Date Filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below XXXX ) XXXX XXXX  self lender opened XXXX XXXX ) XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX date filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below XXXX ) XXXX  XXXX XXXX opened XXXX XX/XX/XXXX XXXX ) XXXX  XXXX  opened on XX/XX/XXXX XXXX ) XXXX XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  opened XXXX XX/XX/XXXX All of these accounts were not authorized by me. I also have multiple inquires on all my credit reports that were not authorized by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
IN XXXX CAPITAL ONE WAS INVOLVED IN A DATA BREACH THAT CAUSED HARM TO MY LIFE. I HAVE SPENT COUNTLESS OURS AND MONEY TRYING TO REPAIR MY CREDIT SINCE THEN. I MAILED IN A REIBURSEMENT APPLICATION ALONG WITH A STATEMENT ON XX/XX/XXXX. IN WHICH THEY RECEIVED ON XXXX XXXX XXXX. I HAVE YET TO RECEIVE A RESPONSE

Company response to consumer: Closed with explanation