BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started a refinancing process with U.S BANK in XXXX of this year, we are in XXXX and they have not given me a definitive answer. On XX/XX/XXXX we paid {$390.00} for the application fee. The closing date was XX/XX/XXXX, later they told me it was XX/XX/XXXX, then it was XX/XX/XXXX and finally is XXXX and we don't have an answer. During this time I got better rate for the home insurance but I could get because they never made the closing. As time has passed, they asked me again for information that I had already given ( pay stub, bank statements ) and  additionally they ran my credit again, they have run my credit report twice. Now they are asking me about the new requirement and when I applied I met all the requirements. We lost money and time.

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 monetary relief
Consumer complaint received 2022-05-25
Company: LJ Ross Associates
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a legal binding contract with L J ROSS ASSOCIATES, If they are licensed to collect a debt, please send me your license to collect a debt in New York State. you purchased this as a debt collection device to make money as a debt collector. You have 5 days to respond with a statement of account with a XXXX balance and remove any and all off my credit report. Failure to respond in 5 days is acceptance and failure to cure your dishonor will recieve notice and demand for XXXX in damages for violations included : Fraud, Extortion, Denial of Right to happiness and privacy, Dishonor in commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violation, FDCPA violations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm reaching out because it is now XX/XX/XXXX and both of my credit reports are still reflecting incorrectly. The I nstallment payments for the loan during the timeframe of XXXX should have been updated on my credit reports ( Transunion and XXXX ) as on time. I spoke w/ manager XXXX and she stated on XX/XX/XXXX that the reports would be updated by the end of XXXX. It is now XXXX and this is halting my progress in being able to purchase a home. I've reached out on several times via email because XXXX XXXX added to my credit reports as a collection account dropping my score even lower. XXXX stated in her email on XX/XX/XXXX, immediately after our phone call " To fix this error retroactive waivers were applied to your loan covering installments owed from XX/XX/XXXX through XX/XX/XXXX. Your credit report should update to reflect those payments as on time during the next reporting cycle. '' It never happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Total XXXX XXXX These companies have violated my rights 15 USC 1681 section 602 8 states I have a right to privacy.

15 USC 1681 section 604 A section 2 i, also states a consumer reporting agency can not furnish my 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 non-monetary relief
Consumer complaint received 2022-09-08
Company: Union Home Mortgage Corp
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My name is XXXX XXXX. My brother submitted a complain earlier today. I also want to file a complain against XXXX XXXX, and XXXX XXXX ( real state agent ). She also convinced me to apply for a mortgage in XXXX. She ran my credit, and told me I didnt qualify. Why does she need my social security number when she no longer has a loan originator license. Her XXXX license number : XXXX. XXXX also asked me to drop my taxes to her house. Her address is : XXXX XXXX XXXX XXXX XXXX XXXX. Why would she asked me to drop my taxes? all personal documents need to be secured according to federal rules. Does she think rules do not matter? Her license was taken away and she still does this with the help of her husband, XXXX and now XXXX XXXX. She wants to triple dip and take advantage of costumers like me. She lied to me, and now has all of my personal information. 

Also her current address is a home her mom bought with XXXX  in XXXX but never moved in. In other words, XXXX lives there with her kids and husband and the mom committed residence fraud. 

Why does this keep happening? Why cant we trust that you guys will do something about it this time? First it was my brother, then it was me. I can not imagine how many others are out there believing her lies.

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 2017-09-11
Company: EQUIFAX, INC.
State: CA
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:
This is a complaint about the handling of the security breach that happened XXXX XXXX through XXXX XXXX. 

The only protection Equifax is offering at no charge is for one year. This needs to be extended to life. It also should be provided from an outside source not related to any credit reporting agency and paid for by Equifax. This is because Equifax has shown they can not be trusted to keep the data secure. 

Equifax should be investigated about this breach and made to explain the delay in notifying the public. They should also be investigated for insider trading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to know why Shellpoint sold our account to XXXX XXXX XXXX. 

Our account went from XXXX, Shellpoint to XXXX XXXX  XXXX. There is no reason for this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: AL
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:
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.

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 explanation
Consumer complaint received 2023-04-10
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Lvnv bought my debt they had XXXX XXXX XXXX XXXX attempting to collect it. They sent me a letter. I requested a debt validation. They then sued me. I was served by law enforcement 26 days after I recieved the initial letter. I contacted a lawyer and they had my suit dropped. They counter sued Lvnv. Even unable to verify my debt lvnv will not delete the account off my credit. The original letter was dated XXXX It came in the mail XXXX ( per informed delivery/with photo ). My court documents were dated XXXX  My attorney has copies of communications and the outcomes of litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
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: Personal information incorrect

Complaint:
I need my name and addresses to be corrected

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 2018-11-28
Company: STERLING BANCORP
State: NY
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 was charged {$240.00} in overdraft fees. 

At the time there was a balance of {$11000.00} in my second checking account XXXX. 

I have been a customer since XX/XX/XXXX and have never once overdrafted either account. 

After weeks of phone calls and several exchanges of letters to senior management, I have been refunded for four of the seven fees but that is not sufficient to resolve this issue. 

1. 
On XX/XX/XXXX I overdrew my account XXXX four times and was charged {$35.00} for each point of sale transaction. 

2. 
On XX/XX/XXXX there was a balance of {$11000.00} in my second checking account XXXX. 

3. 
On XX/XX/XXXX at XXXX XXXX, upon learning of the fees, I immediately transferred in {$2000.00} from account XXXX. 

4. 
Later on XX/XX/XXXX three more fees were assessed to my account. This totals seven fees in all. 

Chronologically these three fees followed the {$2000.00} deposit. 

5. 
When I opened my account in XX/XX/XXXX, I enrolled in an overdraft protection product that would draw from my second checking account XXXX. 

At some point since XXXX, without my knowledge, this overdraft product was discontinued. The product I was automatically enrolled in at that time was useless to me. 

I do not understand whatever product I am now enrolled in which will pay transactions on account XXXX for a {$35.00} fee. This product is useless to me since I dont even have checks for this account. 

If I was informed my overdraft product changed at some point in the last seven years I would not have agreed to it since I dont care if a transaction is rejected on account XXXX. 

If I were attempting a purchase at a merchant -- and my point of sale transaction was denied -- that would be my cue to check the balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
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:
Credit karma. I have constantly been told that i have high approval odds and apply get denied and now have inquires. XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint to you today to follow up the the most recent complaint I submitted last XX/XX/XXXX. I believe that the Credit Bureaus are not doing their job properly and needs a constant reminder that they have huge responsibility. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft. But in my case, I believe that the Credit Bureaus chose to not comply with the FCRA statute. I was a victim of identity theft and the accounts and information I am disputing are the results of such crime. I am requesting the Credit Reporting Agencies to please remove the following fraudulent items completely from my Credit Report : 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 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 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX, 2017 Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had to get a new checking account due to fraud, and when I contacted support to change my banking information, which I did not want to provide via phone or email, as most companies nowadays have ways for you to fill out this information online without emailing over financial documents that contain sensitive information. 


This institution only allows you to update your banking information by providing sensitive financial documents, i.e., statements or voided checks, which contain all your banking information and can easily be hacked, making you vulnerable to fraud. 

This institution needs to implement much safer ways of updating banking information, as this current way puts many people at risk for bank account fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened a new card with Bank of America for a balance transfer. It took BoA a number of months to show the transferred balanced. Finally BoA sent a statement in XXXX that indicated not only a balance but a late charge. 

I paid the total immediately using my chase account as well as the XXXX balance so this would have been less than 30 days after BoA claims I missed a payment. I also configured autopay at this time. 

BoA waited another month and then reported XXXX as 30 days past due! I discovered this when they sent a letter indicating they were reducing my limit. This gave me an artificial high utilization and the combination destroyed the excellent credit rating I've carefully cultivated for years chopping it to a 'good ' overnight. 

Since BoA was unwilling to fix the score I contacted two of three major credit bureaus. XXXX 's dispute mechanism seems to be broken. XXXX refuses to correct my report, siding with BoA despite my ability to show proof of payment within XXXX. 

It is impossible for a payment in XXXX to be 30 days late from a bill BoA claims was due in XXXX even if they had actually sent me a bill to indicate a payment due in XXXX ( which they did not ). 

This is BoA up to their now notorious anti-consumer tricks, manufacturing late fees and destroying people 's credit to keep them XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My card was FRAUDULENTLY charged {$37000.00} by someone and used on XXXX. I never authorized or made this purchase on my account or ANY account. My card was on file with the merchant XXXX  but I never made a purchase or authorized a purchase of {$37000.00}. I have filed and have an active FBI Complaint against the company and person I suspect involved as I was the victim of a financial scam that Ive informed NAVY FEDERAL about. My debit card was not in my possession at the time this charge of {$37000.00} was made on XXXX

NAVY FEDERAL denied my CHARGEBACK claim for the {$37000.00} and did NOT THROUGHLY INVESTIGATE who made this UNAUTHORIZED and FRAUDULENT charge from XXXX  on my debit card. NAVY FEDERAL gave unsubstantiated reasons why they didnt honor the claim, but I was supposed to be covered by their ZERO LIABILITY POLICY and they were supposed to PROVIDE a PROVISIONAL CREDIT and never did that also. 

I NEVER participated, Authorized, or Approved any charge in the amount of {$37000.00} from XXXX or any other retailer. 

PLEASE HELP ME and tell NAVY FEDERAL to chargeback this FRAUDULENT and UNAUTHORIZED charge of {$37000.00}. Me and my family are in the process of filing BANKRUPTCY now because of this DEVASTATING FRAUDULENT CHARGE. We are in a lot of DEBT now with multiple CREDITORS. 

PLEASE return whats rightfully ours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXXBalance : {$9.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remover per 15 USC 1681c-2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
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 am appalled by the inability of the Credit Bureaus to correct my Credit Report despite the multiple dispute letters and CFPB complaint I have done! There are accounts that are reporting erroneous information on my Credit File and needs to be corrected since it caused a drastic damage to my Credit Score. I have read that under the Fair Credit reporting Act, the Credit Bureaus are required to verify the information being reported on my Credit Report per consumer 's request and needs to update and or delete for any damaging erroneous reporting. I noticed the following upon doing a further research with my Credit File : a ) There are accounts reporting as late even though I never missed a payment ; b ) there are closed accounts reporting as late even though the balance is {$0.00} ; c ) there are charge off accounts reporting balance and as far as I know charge off accounts MUST show XXXX  balance ; and d ) there are accounts that are already deleted from the other Credit Bureaus but are still indicated from the other Bureaus. Under the FCRA, I need the following accounts investigated and updated or deleted : 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

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 2023-10-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On Friday XX/XX/, I had applied for a loan to purchase a XXXX XXXX  through Synchrony Bank. I only filled out one application. The next day I got 4 hard inquiries when I should have only received one. I left the lady who called me during the credit application process at Synchrony and voicemail but did not receive a call back. I called XXXX XX/XX/XXXX  to notify them of this report, and they helped me with creating a file number under 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