BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-17
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: Public record information inaccurate

Complaint:
There is two Bankruptcies on my credit files in error. I have contacted XXXX, XXXX   and TransUion via certified mail to dispute these errors several times with no resolution. These Bankruptcies do not belong to me and they have negatively effected my business and personal life. Each credit reporting agencies was provided notice that I was a victim of identity theft. TransUnion has deleted this erroneous error, however the other two credit reporting agencies have declined to do this. 

I requested that each of the credit bureau contact this Bankruptcy court to validate the actual identity of the individual these Bankruptcies actually belong to. I also requested proof to support that these reporting bureaus actually contacted this specific Bankruptcy court for verification. That information has not been provided by none of the credit reporting agencies. I sent this request in writing and via certified mail with return receipt to verify my request. It has been over four months and I still do not have resolution.

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 2021-03-30
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXXXXXX XXXX Inquired onXX/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 2023-02-07
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
I have repeatedly sent proof and documents stating I was a victim of fraud and identity theft to each credit bureau. The documents I sent in have been a police report, ftc report, and proof of identity such as my I.D and social. Accounts will be removed temporaryily then it'll reappear without any notice. This is in violation of FCRA XXXX XXXX XXXX XXXX Not my account XXXX XXXX  XXXX Not my account XXXX XXXX Not my account XXXX XXXX XXXX Not my account ACCORDING TO 15 U.S. CODE 1681B ( 2 ), NO ACCOUNT CAN BE REPORTED TO YOUR CONSUMER CREDIT FILES WITHOUT YOUR EXPRESSED, WRITTEN CONSENT 15 U.S. CODE 1681I ( A ) ( 1.A ) THAT ONCE YOUR PROCESS OF DISPUTE BEGINS, REGARDLESS OF THE STATUS OF THE ACCOUNT, THE ACCOUNT UNDER INVESTIGATION MUST BE REMOVED UNTIL THERE IS A FULL AND COMPLETE INVESTIGATION. 
I WANT THESE ACCOUNTS REMOVED ONCE THE PROCESS BEGINS UNTIL INVESTIGATION IS COMPLETED

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 2018-08-31
Company: Maury Cobb, Attorney at Law, LLC
State: GA
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:
I noticed Maury Cobb on my credit report for a collection i am disputing. I first called the law firm the week of XX/XX/2018. I was told my debt hasnt made it to an attorneys desk yet but will be if i didnt pay. the lady offered me XXXX to settle the alleged debt. 

i called today XX/XX/2018 to make the payment. I was told after i gave my credit card info that i will be charged a processing fee. i told the gentlemen i do not want to pay a processing fee. he goes on to tell me its going to affect my credit and will be going to one of the attorneys.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see attached complaint. Step 2 of 5 does not capture my complaint. I chose " Trouble during payment process '' but that is not the issue and the other choices do not apply either. Our situation involves an insurable loss to our residence. We can not get BSI to pay out insurance funds we were required to endorse over to BSI so they could control payments to contractors to repair our kitchen after a fire.

The Company is currently operating under a Consent Order with the CFPB for traditional mortgage servicing activies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 non-monetary relief
Consumer complaint received 2021-11-28
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter saying I didnt have wind insurance on my house. I called the number on the letter and spoke with a representative of the company, who investigated my current insurance and assured me that I indeed did have wind insurance. She said it was probably an oversight and they would fix it. Yesterday I received another letter saying my payment was going up because I didnt have wind insurance when they know I do!!!

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 2017-09-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closed with XXXX XXXX, one XXXX XXXX and one XXXX. I did n't have a balance on either. When I called XXXX XXXX, because it was first, I was told because I do n't use my card. The representative explained to me 92,000 cards were closed for the same reason. WOW! XXXX, had the same response. The letter stated serious delinquency, however upon review of my credit report nothing has been paid late. I am being punished for choosing not to carry a balance, for being wise about my spending habits, for having an open line of credit, and not giving the bank money in interest.

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 2023-01-30
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 non-monetary relief
Consumer complaint received 2023-05-12
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received on XX/XX/XXXX XXXX payment from my tenant ( at the time, is now evicted ) a payment towards XXXX rent of XXXX through Venmo... Unaware, until venmo took the money BACK FROM ME... and gave his his money back?? I'm beyond words, angry ... .HOW COULD THEY DO THIS ... which resulted in my account being negative on which I had to repay the XXXX to get my account in positive status... I want my money back... they had absolutely NO RITE TO TAKE what little money he did pay me BACK?????? I'm reaching out because I'm lost... Sad.. And I need help, they basically stole my money and I want it returned please.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2018, in anticipation of paying off my auto loan with XXXX XXXX XXXX, I updated my address in their online account management system. On XX/XX/2018, I paid the balance of this loan on their online system. On XX/XX/2018 I still had not received my title in the mail. I called their customer service line at ( XXXX ) XXXX and was notified that my title had been mailed to the wrong address. I was placed on hold for over 30 minutes. The customer service representative acknowledged that the title was mailed to the wrong address. I was then told I would have to go to the DMV for my title. The customer service rep mentioned I would be " reimbursed '' but did not have any details regarding how this would be accomplished. It is my understanding that as the lienholder, they must be the ones to apply for the new title, so I do not know how I can get this from the DMV.

Considering how difficult it was just to get information from them on the phone, I do not have any confidence that I will be able to get my title or get reimbursed. Further, how will they reimburse me for the time I have to take off of work and the inconvenience of visiting a DMV? How will I be reimbursed for the hours I spend on the phone with this company? It is not my duty to obtain this title - they need to send it to me. They need to go to the DMV and sit and wait and waste all day and send my title to the correct address. Further, they are not taking any action regarding the fact that the title was mailed out to the incorrect address and could now be in the hands of the incorrect car owner. 

While on hold with XXXX XXXX XXXX on XX/XX/2018, my account was updated to reflect that I am owed a refund in the amount of {$2.00} since XX/XX/2018. This money has not been remitt4ed to me to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account information incorrect

Complaint:
As per TFS payment statement there we payments in XX/XX/2018 and XX/XX/2018. However TFS reported 30 day late to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had an active account and service with XXXX at my home for over five years. I have never been past due and my account has never been closed for any reason, including nonpayment. I am attaching my most current billing from XXXX showing my account has an active status and is indeed current. XXXX would not allow me to have an account if I had not paid. I am supposed to close on my family 's new house in the next couple of weeks. When this erroneous collection was posted to my credit, it made my score drop from XXXX to XXXX. Please remove this from my credit report ASAP as the amount is not owed by 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 2022-11-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The account XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Seterus, Inc.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
According to Federal Law the PMI is to be removed automatically once the balance of the mortgage is 78 % or less of the homes original value. Ive contacted the lender and they are using a XXXX loan modification to push the date out to XX/XX/XXXX. Original value was {$190000.00}. Mortgage balance is XXXX approx.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I checked my account on the morning of XX/XX/XXXX, I noticed I had been charged {$420.00} in overdraft fees. I was concerned as to why this happened so I looked through my account. A {$500.00} student loan payment I originally intended to be made on XX/XX/XXXX was mistakenly scheduled for XX/XX/XXXX instead. I was not scheduled to be paid until XX/XX/XXXX so the money deducted for the {$500.00} payment caused my account to go into the red. 

When I signed up for my account with TD Bank in XXXX I opted in for an alert when my checking account balance was low ( {$100.00} ). For some reason I never received that alert, thus I did not know that I was running a low balance and kept making purchases. 

On XX/XX/XXXX I went to a local branch where the Manager said she was doing me a favor by reimbursing {$100.00} of the {$420.00} to my account. I think this is extremely unprofessional to tell a client that you are doing them a 'favor '. I then called customer service and they only reimbursed me {$35.00}. In light of recent overdraft related class action lawsuits against TD Bank one would think they would do the right thing here and help their customer out. 

I have a clean record with the bank. There has been no other instance of an overdraft happening on my end. I want the remainder of my money back. It is disgusting that such a large institution knowingly takes advantage of its so called customers. 

Also, as a side note, when I spoke to customer service the first person I spoke with told me he already briefed his supervisor on my situation and that she was not going to reimburse me any more for the fees and then proceeded to ask if I still wished to speak with her. It seemed as if he was trying to convince me nothing more could be done and to silence me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX/XXXX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/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 2020-12-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX < -- -- ALL accounts above NOT MINE ^^^ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL ADDRESSES DO NOT BELONG TO ME. Remove all above FCRA violation, how is this verified? Inaccuracies placed on my report. Have not given written communication or oral communication on when, how and why these accounts are reported negative on report. Remove all above FCRA violation, how is this verified?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My debit card, account, online access where locked on the XXXX of XXXX XXXX On the XXXX, I called Citi to the Fraud department where they explained they locked my account due to " suspicious activity ''. I had deposited a check for {$23000.00} the day before. 

They wanted to verify if the deposit and I confirmed that it was. I also confirmed who the payor on the check was. They also reached out to that person who confirmed that the check was valid. I was told that in 24-48hrs after investigation that I would have access to my account. 

On the XXXX XXXX XXXX, I called the Fraud department and they repeated the same. They told be to call back again on the XXXX. On the XXXX XXXX I went to my local branch and explained to the manager what happened. He looked into the system and confirmed that my account was locked and that my account was slated to be closed for NO APPARENT REASON. I was then told that I would get a letter in the mail in 5-10 days and that Citi would send my money back to me within 30-60 days. I told him that this was outrageous and that I wanted my money back immediately since I had confirmed from the payor - a customary business associate - that everything was fine with the check. 

I then call the Fraud dept. and explained everything again and they repeated the same policy about 5-10 day letter of explanation and then 30-60 day return of the funds. I then requested to speak to a Supervisor. That Supervisor contacted the payor on the check XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX who confirmed the validity of the check and transaction. We were all on the fone as a conference call. AND the Supervisor separately talked to XXXX XXXX via a call to him from the Tennessee office. 

She called me back and confirmed that the transaction was valid and that she would be sending an email to a n " investigator '' who would review things and then release the restrictions on my account in 24-48 hours!!

I want help in : 1. unblocking my account 2. I want my money back IMMEDIATELY not 30 - 60 days. That is nonsense.

There was no reason to restrict my account, no close my account, no refuse to return my money 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 non-monetary relief