BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I have written and called all three credit agencies regarding the inquiries on my reports ... They have still not removed the unverified accounts ... 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately. 

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed.

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 2023-01-05
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2021-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account for no reason, and I cant give a reason. I have used Bank of America for more than three years and the account was closed, but the account was about XXXX, but a check of XXXX was returned, and another XXXX has been about 8 months so far., I have never returned or exchanged, I have been pushing to call customer service, and have not given an accurate answer

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 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 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 2020-11-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After onset of Covid, my son lost his job, we were struggling to pay bills. Carrington placed my loan on forebearance, but didnt inform me that after the forebearance, I would have to come up with a lump sum to pay the past due payments. How is someone going to pay a lump sum if they couldn't afford the mortgage during the first wave of the pandemic? They gave me a pymt plan of XXXX for 3 months to catch up. I paid 2 pymtns of XXXX for two months and didnt have the XXXX for the 3rd month. They put my loan up for foreclosure. I called them and they said i have to come up with {$5000.00} to get caught up and thats without late fees and foreclosure fees which arent guaranteed to be removed. I don't want to lose my house. I have lived here for 15 years. I have fought so hard for this house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: MD
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2021-04-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We started the refinance in XXXX with TD Bank. All papers were submitted by XXXX. We changed over our homeowners insurance to list TD Bank as loss payee as requested. We have several times gotten a payoff amount from our current mortgage company as requested for closing. We were credit approved in XXXX. We were told numerous times that we were close to closing but would need to lock in the rate for 5 days a fee, leaving us to believe that we would be closing within the next 5 days. It is now XXXX and we still have not gotten a closing date nor a reason why not. Our emails requesting status updates go unanswered. We now have to start the process all over with another lender and have wasted 9 months. We had to pay for an appraisal. And I fear the good rates have now gone up and we missed out on them waiting for TD Bank to give us a closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a Bank of America customer. I have an open checking and savings account. I opened an additional savings account for my daughter. I declined opening any other type of account at that time. Immediately upon opening my new savings account, the Bank, of their own volition, decided to open another account called " XXXX XXXX Banking ''. I specifically declined this option yet the bank opened it anyway. In addition, I got an immediate " low balance '' notification and they are charging me a monthly maintenance fee! I called to cancel and am unable to get the bank to close the account. I explained that this was opened fraudulently by them without my application or consent. They are refusing to cooperate with me in closing the account. 

They transferred me to their own fraud department which has opened an identity theft claim despite my explaining to them that the " theft '' was perpetuated by the Bank themselves!

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 2023-02-28
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on 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 XXXXXXXX

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 2021-04-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. 
I have not been able to get help from them but I just remembered I could file a report on here, as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. 
They are also holding my money too for over 180days, and everyone needs money during this rude period of covid19. 
My email linked to my PayPal is " XXXX '' Thank you so much for your help : )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
The following accounts below are listed as a Charge Off on credit reports. XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX  - closed XX/XX/XXXX - {$530.00} XXXX XXXXXXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX - closed XX/XX/XXXX - {$460.00} XXXX XXXX  - closed XX/XX/XXXX - {$1700.00} XXXXXXXX XXXX  - closed XX/XX/XXXX - {$3300.00} Grain Technology - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00} **Above accounts show as Write Offs **

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 2020-11-24
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: General Motors Financial Company, Inc.
State: NH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
RE GMAC Financial Leasion XX/XX/XXXX Turned in my lease to the dealership XX/XX/XXXX called to check on status of my bill. Told me it may be up to 90 days. 
XX/XX/XXXX called again to check on status as was showing up as unpaid debt on my credit reports. They told me this was impossible since the bill was not completed. 
XX/XX/XXXX After failing to acquire a loan b/c of " overdue '' charges, to my GMAC Financial, I spoke with " XXXX '' and then " XXXX '' who noted " there was trouble with the system '' and they would expunge the negative report from my credit ( did happen ) ; send me a copy of the correspondence ( failed to do this ) and refused to have someone reach out to me RE what went wrong and how they would correct this in the future. 
XX/XX/XXXX. Seeing again, that money was owed to GMAC financial on my credit report, I spoke to " XXXX '' and then " XXXX '' who was unsure why a bill had not been sent ( after again confirming my correct address ). Again, they essentially refused to have someone reach out to me. This has taken hours of my time to resolve and created financial stresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have submitted several letters and complaints to XXXX XXXX XXXX XXXX  and the credit agencies with regards to an account that was opened XX/XX/2017 with a balance of {$6600.00}. This account is opened and is reporting as a result of identity theft. Please assist me in getting this account removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated My rights. 


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

15 U.S.C 1681 section 604 A Section 2 : it Also states a consumer reporting agency can not furnish a account without my 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 2019-02-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a follow up complaint on a problem I had with funds transfer my USAA checking account on XX/XX/2019. I transferred {$1100.00} from my XXXX XXXX XXXX checking account to my USAA on the USAA app and when the transaction was completed, USAA put a hold in the amount of {$700.00} until XX/XX/2019. On XX/XX/2019 I logged on to my account and saw that USAA changed the hold until XX/XX/2019. I contacted USAA and after being transferred to several representatives, I spoke with XXXX on the CEO 's Office who told me that he filed a ticket and I would be contacted in two days. USAA never contacted me in response to XXXX 's ticket and since I also filed a complaint with CFPB, yesterday I received a voice mail and an email from XXXX XXXX from USAA, but when tried to contact her today at XXXX to discuss my car payment which USAA returned unpaid, although funds were available on my USAA checking account, I only reached her voicemail. I called USAA again and was transferred to XXXX at XXXX, also in the CEO 's office. He told me that he could not help me because he was not assigned to my case and again, my issue was not resolved. I contacted USAA on regular business hours to ensure that my problem would be resolved and that I would be able to request a letter from USAA to XXXX XXXX XXXX explaining the return on my payment when funds were on my account. but was not able to speak with XXXX XXXX or anyone else who could help me. XXXX XXXX was clear on her voicemail that she was calling me to discuss my complaint with CFPB, but didn't seem to be interested on discussing the problem with my account. Today I withdrew the funds from USAA and will make my payment to XXXX XXXX XXXX from my XXXX  XXXX XXXX account, since USAA is not a reliable bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: WA
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:
My mortgage has been paid in full but it's still reporting on my credit report opened and reporting a balance and it's affecting my ability to obtain new credit.

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 2017-09-15
Company: JPMORGAN CHASE & CO.
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:
XXXX XXXX XXXX is reporting a credit card on my credit report that is not mine. I did not apply or sign any documents to authorize a credit card to be opened under my name. This credit card is showing on my credit and I have been denied credit by other companies because this credit card is over the limit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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:
Hi, Back in XX/XX/2015, I confused the monthly payment due date of my Capital One credit card with another of my credit cards payment due date. The amount was under {$50.00} and by mistake, I made the payment on the other card. That novice mistake ended up counting as a missed payment on my credit report preventing my credit score today from being excellent to good ... 
I have never confused credit cards payments due dates ever since and also I have never missed a payment on any of my credit cards since as my credit history record will show ...

Company response to consumer: Closed with explanation