BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: LoanCare, LLC
State: VI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare stole money from me under the guise of forced lender placed insurance.  They are now refusing to let me out of escrows therefore requiring me to pay into an escrow for an insurance policy I have already paid for.  They took money from me over the course of an entire year, then failed to renew my policy THEN they continued taking money from me despite the fact that the absolutely KNEW I had already purchased a policy in full.  They do things to confuse and slow the process like make it impossible to get a human being on the phone.  They do EVERY SINGLE THING by email but then when they were trying to contact me about their screw-up with my insurance, they sent me PAPER LETTERS VIA SNAIL MAIL.  So when it has to do with me paying them, they want email and everything to be smooth.  But the one time that it has to do with them telling me they screwed up, they send paper letters via regular U.S. mail.  Their staff was obviously trained to try to confuse me and thank God i kept asking questions because I wound up getting three different stories for what happened.

LOAN CARE ESCROWS ARE A SCAM AND THEY ARE STEALING FROM ME.  THEY TOOK MY MONEY FOR INSURANCE AND THEN DIDN'T RENEW THE INSURANCE.  THEN WHEN I WENT AND BOUGHT MY OWN INSURANCE POLICY THEY TOTALLY SCREWED ME AND KEPT TAKING EXTRA MONEY OUT OF MY ACCOUNT.

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 2021-11-18
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX paid in full still on my credit file XXXX Rausch Sturm LLP I asked them to pay but don't want to take payment reported to the credit reporting agency put lean on my house. 
XXXX XXXX paid in full is still on my file Ice system paid in full still on my file

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 2021-11-18
Company: Sequium Asset Solutions, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX XXXX received a letter from Sequium Asset Solutions on XX/XX/2021 in reference of a Debt for XXXX original creditor XXXX. On XX/XX/XXXX I wrote a notice to dispute the Debt and requested for validation of this debt with competent evidence that I have legal obligation to pay Sequium Asset Solutions LLC. For this debt. I mailed my notice on XX/XX/2021 certified mail. This debt has never been validated by Sequium Asset Solutions LLC and my notice for validation was sent within a timely manner of the 30 days of validation. Sequium Asset Solutions took it amongst themselves to assume that this debt was valid and completely ignored my my rights and my request for validation by not validating this debt or any portion thereof before reporting this debt to credit reporting bureaus slandering my name and damaging a portion of my credit. Sequium Asset Solutions also stated in their notice to me pertaining to this debt. That I should, '' please be advised this matter will not be reported to a credit reporting agency until 30 day validation notice as stated below has expired or validation has been sent to you. '' So Sequium Asset Solutions intentionally assumed that I let validation letter expire without requesting for validation within a timely manner and there was no reason for validation to be sent so this debt is valid. Intentionally taking away a consumers right to request for competent evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted several disputes with Experian with no resolution. 
The other 2 credit bureaus XXXX and XXXX updated my balance with the creditor promptly after I submitted the proof that my account balance was incorrect. 
I opened my dispute with Experian in XX/XX/2021, XX/XX/2021 and again in XX/XX/2021. My dispute is to update that my accounts were paid in full and the balance should be listed as {$0.00}. 

Experian kept updating the account balance with outdated incorrect account balance information and kept updating/resetting my dispute resolution date whenever I updated my dispute with additional documentation provide by the creditors to help resolve the dispute. 
I continued to get the run around and continued delays in answering phones and they kept sending me back to the creditors to update my credit report. 
My creditors also kept saying Experian has been provided with updates that my balances were {$0.00}, but my credit report has never been updated to {$0.00} balance. 

As a consumer, it is unfair that Im caught in the middle of the poor communication and being passed back and forth between the creditors and this credit bureau which has negatively impacted my life. 

My creditors in dispute were XXXX and XXXX. 
I advised Experian that their delay in updating my credit report with valid information was delaying my approval for a mortgage and negatively impact my life and the lives of my family. 
I am still waiting for these creditors to update my balance with Experian, I would like to add again, that XXXX and XXXX are showing {$0.00} balances with both of these creditors which is accurate.

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 2021-11-18
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account paid in full

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 2023-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
It all started in XX/XX/XXXX when I received a notification to my email from Bank of America about an unusual movement in my business account, I immediately responded by email notifying that I did not recognize these bank movements in my business account, I called the bank and They made the decision to close the business and personal account, from that moment on for my family and my personal life it has been very difficult, they bankrupted the company and emotionally and financially destabilized my life and that of my family, it made us XXXX Our lives around the world were surrounded by the decision of the bank. I called several times and they did not give me any solution to my case. From then on it became difficult for me to fulfill my credit card commitments, all because of the closing of bank accounts. 
I am currently out of the country, possibly at the end of XXXX, as soon as my XXXX XXXX is renewed, I will return to the 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 2021-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
ON XX/XX/2021 I GOT E-MAIL STATING WE HAVE CLOSED YOUR SAVING ACCOUNT ENDING 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 monetary relief
Consumer complaint received 2016-01-14
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. The Trustee noted a property mortgaged by SUNTRUST MORTGAGE as " REJECT & RETURN '' and by Order of the Court, the property was returned to SUNTRUST MORTGAGE and subsequently sold. 
XXXX currently reflects SUNTRUST MORTGAGE as a " Negative Account, Closed Account '' however it continues to report the status as " Wage Earner Plan ''. XXXX reflects negative payment history entries for SUNTRUST MORTGAGE for the month of XXXX XXXX, during which I filed bankruptcy and for XXXX XXXX, the month I was discharged from bankruptcy. 
XXXX currently reflect SUNTRUST MORTGAGE as " Potentially Negative Closed ''. It continues to reflect the " Payment Status '' as " Making regular payments under XXXX. '' I have disputed the incorrect information with XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to three SUNTRUST MORTGAGE addresses, the address listed with the Bankruptcy Court and the addresses listed by XXXX and XXXX, respectively. I am seeking your assistance to resolve these inaccuracies and correct my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion consumer solution does not want to remove inquiries that do not belong to me. 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 explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: SC
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A CREDIT CARD WAS OPENED FRAUDULENTLY UNDER MY NAME WITH DISCOVER. AS SOON AS I FOUND OUT ABOUT THE FRAUDULENT CREDIT CARD I CONTACTED DISCOVER AND I ASKED THEM TO CLOSE THE CARD, AT THAT TIME I GAVE THEM MY CORRECT MAILING ADDRESS, EMAIL AND A PHONE NUMBER. DISCOVER NEVER UPDATED ANY OF THE INFORMATION I GAVE THEM. THEY APPARENTLY MAILED A FINAL BILL TO THE ADDRESS THAT DOES NOT BELONG TO ME. I HAVE NOT RECEIVED ANYTHING FROM DISCOVER AT MY CORRECT ADDRESS THERE IS NOW 4 MONTHS NEGATIVE REPORTING ON MY CREDIT PROFILE FROM DISCOVER. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE ALSO REPORTED THIS TO THE LOCAL POLICE STATION AND TO FAIR TRADE COMMISSION, AND TO THE CREDIT REPORTING BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
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 avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I initiated a dispute on XX/XX/2023 with Transunion to remove information from my credit report that unknown and suspicious. The account shows inaccurate information and I can not confirm this is my account. When I asked for the account to be remove I receive no action and no response. The account shows a balance due and it is also reporting as a collection/charge-off. Since the account is inaccurate it must be removed because it can not be proven that it is my account with inaccurate information. Remove this account immediately. I also never received any notice that this matter was being investigated.

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 2023-12-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I wanted to transfer my money from BMO ALTO to a XXXX XXXX account, which has been established within my BMO ALTO account, which was opened in XXXX, XXXX. 

I have spent hours on hold to speak with an agent authorized to unfreeze my account. I have not once talked to any agent that can assist me. After being on hold for around XXXX minutes, there is a message stating there is no one available to help, leave a message. 

I have left over XXXX messages over XXXX  days. 

No call back. 

I have over XXXX in this account and I need access to it. As of now, I can not even sign in to the account, as it is frozen.

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 2020-01-24
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX sold my mortgage loan to ShellPoint Mortgage Servicing, which I assume it was sold based on lies. They gave SMS the illusion that they could collect a due debt that did not exist. It has been a nightmare for me and my family since XX/XX/2015 when the XXXX had me sign a deceitful loan modification. I have never stopped paying my mortgage loan, but SMS keeps claiming that I have a debt for more than {$6000.00}. I am willing to pay this sum as long as they show me what month I owe them. I have shown XX/XX/XXXX and SMS all of the payments of each month since XX/XX/2015, proving that I have not missed any monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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 had an active Kohls credit card for years. I have used it and typically pay the balance in full. Over the years I have missed payments because I forgot to pay before the deadline or missed the statement ( in my defense Kohls sends so many emails ). In the past I have paid a late fee or interest but nothing had ever been reported a credit agency. On XX/XX/XXXX, I made a purchase using my Kohls credit in the amount of {$1.00}. This was first recorded on the XXXX statement with a due date on XX/XX/XXXX. I did not see the statement and it was again reported on the XXXX statement with a due date on XX/XX/XXXX. I again did not see the statement. I received an email of a missed payment on XX/XX/XXXX and promptly paid the balance. 

At the beginning of XXXX I pulled a credit report and my scores dropped by almost XXXX points and upon inspection it was because Kohls reported a delinquent balance. I acknowledge the payment was delinquent. But, I am confused why they decided to report that one and not prior missed payments. This is not the first time I have been two months late, but its the first time the balance was so low that they were unable to charge the {$25.00} late fee or significant interest. I assumed that based on our course of business there would be no further issues. However, I was wrong because they couldnt extract more money from me. In my opinion that is a predatory practice. 

I called Kohls and attempt to resolve the issue. The customer service agents were limited in their ability to do anything other than submit a request. I received a letter in a couple of weeks but all it said was there were no errors. I still am trying to figure out why they report items inconsistently. I agree that accurate reporting is necessary under our credit system. However, transparency and information asymmetries are also huge issues. Creditors should not be able to inconsistently report delinquent payments during the course of a relationship. Kohls coerces people into using the their proprietary credit card to access coupons or discounts. Baits consumers by providing leniency when they can extract fees or interest but then slams users when they can not. There is no worse feeling than having your credit wrecked over {$1.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My employer is incorrect on my experian, XXXX and XXXX report. Please update to XXXX. XXXX has only ever been my employer.

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