BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
I received alerts from XXXX XXXX on one of my credit cards that there was a hard inquiry reported on XX/XX/22 and a phone call and email that my credit score had changed from XXXX XXXX XXXX. Both alerts said that it was through Bank of America and XXXX. XXXX indicated that the alert was for XX/XX/22. I have been a victim of identity theft before so I had previously locked my credit on all three lines. When I called XXXX that report was unlocked and Im unsure if it timed out or if it was unlocked from when I purchased a car earlier this year. I then made sure XXXX froze it again. After calling Bank of America they let me know that someone had applied online for a XXXX XXXX credit card and was approved for a {$16000.00} credit limit. Bank of America was unable to find the address directly related to the application but they did have an address of a family member that I had not provided. I asked them to remove it. They said the card hadnt been used yet and Bank of America also closed the account. They ensured me that they would work to correct any issues with my credit score.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2023 All 3 credit bureaus were reached out to via mail. I mentioned multiple of times that these hard inquiries do not belong to me. The hard inquiries have not been removed and needs to be removed immediately so I can utilize my credit. I am suffering without my credit and need this corrected as soon as possible. 

Transunion & XXXX Inaccurate Inquiries : XXXX XXXX, XXXX, XXXXXXXX XXXX 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 XXXXXXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX Inaccurate Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX - 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed 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
Consumer complaint received 2019-03-20
Company: DISCOVER BANK
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchase some parts off the internet through XXXX XXXX. I never received the parts. XXXX XXXX did nothing and told me to contact my card company. Before I made the purchase, in a recorded conversation, I asked my rep if I Pay and dont receive my item was I covered? She without hesitation said if I do not get what I pay for Discover will refund the item. Discover turned it into and XXXX issue that they say I sent the money and that its kver. The issue wasnt did I send the money? The issue is I was defrauded, which they said I was covered. Had they said no in our conversation then I would have never used XXXX, which I will never use again. I feel as though XXXX has bullied them into keeping my money and not protecting me, their client. 
fraud /frd/Submit Learn to pronounce noun wrongful or criminal deception intended to result in financial or personal gain.

" he was convicted of fraud '' synonyms : fraudulence, sharp practice, cheating, swindling, trickery, artifice, deceit, deception, double-dealing, duplicity, treachery, chicanery, skulduggery, imposture, embezzlement ; More a person or thing intended to deceive others, typically by unjustifiably claiming or being credited with accomplishments or qualities.

" mediums exposed as tricksters and frauds '' synonyms : impostor, fake, sham, pretender, hoodwinker, masquerader, charlatan, quack, mountebank ; More

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Citibank called my father, whom I do not live with and disclosed personal information about my debt and being behind with my bills. The third party ( father ) was informed about how much I owe them. They leave robocall messages on my phone every day, and do not make themselves accessible for me to try to call back at an appropriate time that allows me to solve the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: South Carolina State Housing Finance and Development Authority
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I did an application with my mortgage company, South Carolina State Housing Finance and Development Authority for an COVID-19 Mortgage Assistance Application. In may application I explained what was occurring at the time, but the gentlemen in charge of the process told me I did not need to explain my situation. I was approved for six months of forbearance. In XX/XX/XXXX I received a phone call from someone, an women in a high position from the mortgage company asking why I applied for the COVID -19 Mortgage Assistance when I was on a fixed income. I explained to them the same situation I put on my application, but I was informed as outlined and told, you did not need to explain if your loan was being held by a specific corporation. The lady that called me was rude and made me fell like my income and XXXX was going to be a problem with my mortgage. I received a letter on XX/XX/XXXX that my loan was being transferred back to my original mortgage lender due to something being written wrong in the underwriting. After calling and speaking to someone in charge she said my debt to income did't meet requirements to be in the program. I explained to her I had no debt on my credit report, before the loan or now and I owed no one anything. I had a conversation through text with my original Mortgage Corporation that my student loans was forgiven prior to finalizing the loan. Documentation was included. She could not effectively tell me why my loan was sent back due to the lack of investigating before giving my loan back to the originator. I am disappointed and I feel like I am targeted due my XXXX, fixed income, and for me asking for the COVID-19 Mortgage Assistance. This is not fair for anyone. She explained to me with an FHA loan nothing changes, but I explained to her its not the same. I told her I did my research and I told her the percentage of loans normally stay with State Housing throughout the term of the loan. I then asked her how many loans went back to the mortgage originator during this covid period and she said several, I then repeated so seven went back. She said again several and I explained several. After not getting my concern across to her, because I felt like I was targeted due to the call I received in XXXX among the fixed income and XXXX, I told her thank you for accepting my loan and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2023-07-30
Company: EQUIFAX, INC.
State: CA
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:
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, last activity date, and more are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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

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

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.

Also, they aren't even in compliance with Metro 2 credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX, the following accounts/creditors : Accounts : XXXX XXXX  XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-07-15
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Navient XXXX XXXX  XXXX XXXX XXXX, PA XXXX. Paid the amount in full XX/XX/XXXX. A debt collector that threatened to freeze my bank account if I don't make a payment on my student loan which was opened XX/XX/XXXX XXXX XXXX ago. XXXX XXXX sold my account to this collector Navient. I have paid the amount in full and have suffered credit Hardship for over a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After receiving a letter from IC System on  XXXX   XXXX ,  2017  of the alleged amount of {$51.0 0} ( see attachment # 1 ). I se nt out a dispute letter asking them to verify debt owings on  XXXX   XXXX ,  2017  ( see attachme nt # 2 ). I have y et to hear back from this company nor do i believe that they posses my original instrument of indebtedness in its original form.

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 2018-12-15
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
My bankruptcy has failed to provide procedure for verification. They are non compliant and has failed to perform a real investigation I contacted United States Bankruptcy Court and they stated they do not release sensitive information about the consumer bankruptcy to the credit bureaus. I am trying to understand why this inaccurate information is still reporting on my credit report .... Failure to provide the procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 2022-07-15
Company: EQUIFAX, INC.
State: VA
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 dispute for XXXXXXXX XXXX XXXXXXXX XXXX to be remove from my report on XX/XX/XXXX on XX/XX/XXXX the report came back as Accurate. However I have no knowledge of this account and I feel this is fraudulent. I feel as though Equifax didnt do a thorough investigation because this account does not belong to me and I would like for it to be removed immediately as it has cause detrimental impact to my credit report. there is no contract or any agreement between this company and myself. Also Equifax XXXX XXXX reported an on time payment that has not XXXX updated to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
My bankruptcy has failed to provide procedure for verification. They are non compliant and has failed to perform a real investigation I contacted United States Bankruptcy Court and they stated they do not release sensitive information about the consumer bankruptcy to the credit bureaus. I am trying to understand why this inaccurate information is still reporting on my credit report .... Failure to provide the procedure.

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 2020-11-05
Company: SYNCHRONY FINANCIAL
State: IN
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2017-01-20
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Good morning I have a Navient Student Loan Account # XXXX with a new balance of {$90000.00} compounded daily at 6.800 % daily ( Direct Loan- Unsubsidized ). In XX/XX/XXXX, I called Navient for help & advise because my husband just died of XXXX. I lost my husband 's income and my student loan balance was right around {$78.00}. I graduated XX/XX/XXXX with my XXXX degree as a XXXX. 
I called and asked Navient for help ( XX/XX/XXXX ). I asked if I could reaffirm my loan and they said " NO. '' I never received any counseling on the issue. They said there was n't any other options, except Forbearance. So I had no choice. I needed to get on my feet again & pay for a funeral at that time. So I took the " one & only option. '' which was forbearance. For the last year I have accrued daily interest at 6.8 % on my loan resulting in over XXXX in loan debt. 
So three month 's ago the forbearance period was up & I started paying monthly on my student loan. My complaint is, I was n't given any other option and have accrued over {$10000.00} in interest and by balance is still increasing every month. Navient never gave any counseling or alternative & most of all they would n't help at all. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
i made a payment from my checking account to XXXX credit card on XX/XX/2018. my account was not charged until XX/XX/2018. i made a deposist of XXXX usd on XX/XX/2-18. as of today XX/XX/2018 it still has not registered. i called 5th third on XX/XX/2018 and was told the deposit would be availible on XX/XX/2-18. it is still not availible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
About a month ago, I inquired about the HARP program, and I was assigned to XXXX XXXX. I was told by XXXX that in order to be approved with the HARP program I have to be working. At that time I inquired about the HARP program, I was in between jobs and was only receiving unemployment benefits. On XXXX XXXX, I went back to work and contacted XXXX XXXX again. He instructed me to send him a copy of my paystub, and so I did on XXXX/XXXX/2015. As of today, I still have not heard from XXXX XXXX. I have been leaving messages at XXXX XXXX XXXX XXXX, but would not return any of my calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
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:
None of my information on my co sumer report had been updated since XXXX. I've had credit card accounts that has had all of the utilization paid down to XXXX for months now. Why aren't any accounts reporting on Equifax?

Company response to consumer: Closed with explanation