BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I consolidated my delinquent student loans with the Dept of Education. Yet, my loans are still showing delinquent status on all three bureaus. This is hurting my ability to correct my credit profile. DPT EDXXXX {$2800.00} Balance updated XX/XX/2021 5 late payments DPT EDXXXX {$3100.00} Balance updated XX/XX/2021 5 late payments DPT EDXXXX {$1800.00} Balance updated XX/XX/2021 5 late payments DPT EDXXXX {$5000.00} Balance updated XX/XX/2021 5 late payments DPT EDXXXX {$2300.00} Balance updated XX/XX/2021 5 late payments DPT EDXXXX {$4000.00} Balance updated XX/XX/2021 5 late payments XXXX {$0.00} Closed 9 late payments XXXX {$0.00} Closed 9 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments US DEPT ED {$4200.00} Closed Unknown payment history US DEPT ED {$2300.00} Closed Unknown payment history US DEPT ED {$1400.00} Closed Unknown payment history US DEPT ED {$3400.00} Closed Unknown payment history US DEPT ED {$7300.00} Closed Unknown payment history US DEPT ED {$2100.00} Closed Unknown payment history US DEPT ED {$2300.00} Closed Unknown payment history US DEPT ED {$0.00} Closed 23 late payments

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 2021-02-25
Company: Fairway Independent Mortgage Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I refinanced my house at XXXX XX/XX/XXXX XXXX, TX XXXX with Fairway Independent Mortgage Corporation. An escrow account was created for property taxes and homeowners insurance. 

In XXXX of XXXX, the XXXX XXXX, TX property taxes were assessed, and the bill was sent in the amount of approximately {$7000.00} with a due date of XXXX XX/XX/XXXX. 

In early XXXX of XXXX, I called Fairway to verify they were planning to pay the tax bill and knew the amount. They internally verified that the amount to be paid was {$7000.00} and that the bill would be paid on XXXX XXXX. 

Sometime in midXXXX XXXX, my XXXX XXXX, TX XXXX application was approved, and the property tax amount was lowered to approximately {$6000.00}. 

On or about XXXX XX/XX/XXXX I checked the XXXX XXXX, TX public records to verify payment of the property taxes. The property taxes were not paid and a late fee of approximately {$450.00} was assessed. That same day I contacted Fairway and I was informed that an 'investigation ' would occur. 

On XXXX XX/XX/XXXX I contacted Fairway again in regards to the property tax payment. The investigation was 'still on-going '. 

At this point, I am majorly concerned with damaging effects to my credit score if the tax bill is not promptly paid. Fairway 's blatant inaction on paying my property taxes is appalling. I do not trust their ability to 'investigate ' this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are numerous accounts and inquiries listed on my credit report that I have no knowledge of. This was not initiated or authorized by me and was a result of malpractice or an error.

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 2020-10-21
Company: Experian Information Solutions Inc.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2100.00}, {$6600.00}, {$0.00}, {$8700.00}, {$9500.00}, {$63.00}, {$520.00}, {$360.00}, {$2300.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX VISA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not 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 2023-02-11
Company: Experian Information Solutions Inc.
State: AL
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 HAVE REACHED OUT TO THIS COMPANY NO LESS THAN 3 TIMES. THEY HAVE FAILED TO PROVIDE PROPER VALIDATION AND CONTINUE TO REPORT THE ACCOUNT IN ERROR. ACCOUNT NUMBER IS REPORTED WITH SYMBOLS. ACCOUNT STATUS IS NOT IN COMPLIANCE. IT HAS NOT BEEN 12 MONTHS SINCE THE ORIGINAL DATE OF SERVICE. HIPAA VIOLATION AS I GAVE NEITHER PARTY PERMISSION TO SHARE MY MEDICAL RECORDS. THE SUPRISE BILLING ACT HAS ALSO BEEN VIOLATED.

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 2020-10-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2021-05-20
Company: ENOVA INTERNATIONAL, 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: Account information incorrect

Complaint:
I am currently enrolled in a credit counseling and debt consolidation program through XXXX, which Net Credit signed and agreed to, but Net Credit financial solutions continues to report late charges and charge interest to my balance due that is not what they agreed to. It is making my debt and credit score worse, and supervisors are having a difficult time getting communication and compliance from the credit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX Ending in XXXX In XX/XX/2020 I called XXXX XXXX  Credit card and told them I had the XXXX. They stated to me it was no problem, that my payments would not be marked late. When I went back to work the end of XXXX I called XXXX XXXX  on XX/XX/2020 and paid the account in full. On XX/XX/2020 XXXX closed the account and put it in " charged off '' off status on my credit report after paid in full. The late payments during the virus months and the charge off after payment in full has severely damage my credit. XXXX XXXX refuses to fix. This is unacceptable that a credit card company not only mireported late payments and a charge off and refuses to correct the tradeline on my reports!

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 2023-02-14
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX left my newborn baby, my wife, and myself without electricity for over two weeks while just giving us the runaround. Every day they said they would send someone to fix the electricity until they just stopped answering our phone calls. I finally had an electrician come out and change the main fuse of the house because I work from home, we have a newborn and the house runs completely on electricity, so we were even without hot water. I sent the bill to XXXX and they refused to pay it. I took it out of the rent and they continued to give me late fees. After covid hit, they tried to have me illegally evicted even though I had submitted the covid-19 memorandum. I was already leaving on the move-out date in the contract because they refused to renew my lease ( which is illegal under the covid-19 memorandum ). The day before the move-out day they said I could renew my lease, I said I only need two more weeks and they said that is fine but I needed to sign the contract or they wouldn't let me on to the gated community. On the last day of the two weeks, they came and served me with eviction papers, which I responded to and received a court date. Two days before the court day, XXXX dropped the case ( case number : XXXX ). Then I received a debt collection for {$15000.00} and when submitted the request for verification to Transworld Systems, they only sent me a photocopy of the two-week lease, which I was forced to sign or I would not be able to leave the property and if I did, I wouldn't be able to get back onto it. They are pulling {$15000.00} out of thin air. XXXX is actually fighting a class action lawsuit for forcing tenants to pay out of pocket for repairs on their dilapidated houses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX they stole my identity and took out cars in my name in a state where I'm not, I want to stop that process, they took out cars in XXXX different delear, I'm just the owner of a single car that is a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting act. I am attaching a Copy of the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 to 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 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Trans Union had an " inquiry issue '' Trans union deleted XXXX inquiries from my trans union credit report. About a week later they replaced these items back on my report. They never sent me any letters or attempted to make contact with me to let me know they added items back on to my report..

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 2018-05-09
Company: CITIBANK, N.A.
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:
XXXX XXXX, XXXX XXXX is a victim of identity theft. He was notified by CBNA bank of a fraudulent application submitted with his information without his consent XX/XX/XXXX with an inquiry reported to his XXXX credit report. An official dispute of this application was submitted to CBNA XX/XX/XXXX however as of this date CBNA has failed to send a reply to the outcome of the investigation which is a violation of the FCRA and my clients consumer rights.

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 2023-02-13
Company: OneMain Finance Corporation
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: Credit inquiries on your report that you don't recognize

Complaint:
ON XX/XX/2023 I WAS NOTIFIED BY XXXX XXXX XXXX  THAT ONEMAIN FINANCIAL HAD MADE A HARD INQUIRY TO CREDEIT BUREAUS ABOUT MY CREDIT HISTORY. THIS INQUIRY IS FRAUDULENT. ONEMAIN FINANCIAL MADE THIS INQUIRY WITH NO PRIOR VERIFICATION OF MY IDENTITY. HOW IS IT LEGAL TO MAKE HARD CREDIT INQUIRIES IN THE ABSENCE OF A GOVERNMENT ISSUED ID? 

I CONTACTED ONEMAIN FINANCIAL ABOUT THE FRAUDULENT INQUIRY. THEY ASKED ME TO COMPLETE AN AFIDAVIT, SEND THEM A COPY OF MY DRIVERS LICENSE AND A BILL WITH MY ADDRESS ON IT SO THEY COULD CONFIRM MY IDENTITY. I COMPLIED WITH THAT REQUEST. THE INQUIRY HAS NOT BEEN REMOVED FROM MY CREDIT REPORT PER MY REQUEST. HOWEVER, ONEMAIN FINANCIAL DID STOP THE LOAN FROM BEING FUNDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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: Personal information incorrect

Complaint:
My Full First name is 'XXXX XXXX XXXX and my Last Name ' XXXX XXXX So my total Full name is " XXXX XXXX XXXX '' as per state government-issued ID. I have got my credit report from Experian when I first looked at it showed me my name as 15 names. The same name is shown on the Experian report in different ways wrongly. 


XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # 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 2020-09-22
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
today on XX/XX/20 i tried contacting reliacard by US bank and spoke with XXXX he gave me a number of XXXX and that was to the us treasury dept, now this is a bank account not dept of treasury and want to close this account out all together because i thought it was a credit card and its not, nor do i need any unemployment i work for a living and i want this account closed and trying to get a hold of anyone of for customer service for reliacard is horrible it will just disconnect you if no one is available and you have to call back and put all that information again and restart waiting all over again and they refuse to the shut down this 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 2023-04-26
Company: EQUIFAX, 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 Account # 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: SANTANDER HOLDINGS USA, INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I the consumer and natural person was denied line of credit by Santander when I submitted a consumer credit application to obtain a vehicle which is a violation of cfr 1002. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified 15 u.s.c 1691c and is pursuant to civil liability under 15 u.s.c 1692k. I have proof that I was discriminated against due to your letter that was sent XX/XX/23 which makes you criminally liable for violating 15 u.s.c 1691. Furthermore, my social security card ( credit card ) was used, and I received NO BENEFIT which is proof of fraudulent activity on behalf of Santander. If Santander fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Santander criminally and civilly liable for all actual damages pursuant to 15 u.s.c 1681n and 15 u.s.c 1681o. Without Prejudice All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: BOK FINANCIAL CORP
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I closed on the sell of my home expecting that the mortgage was to be paid off and for my escrow funds to be returned by BOK Financial Mortgage ( BOKF ). That did not occur since 2 weeks later I discovered that my loan had been sold off to a new lender, XXXX XXXX ( XXXX ), on XX/XX/2020. This caused a lot of confusion and frustration because BOKF should have sent the funds to XXXX XXXX according to Federal Law,  which has a 60 day transition period. BOKF returned the funds to the title company, XXXX XXXX, via a mailed check. The delay in payment caused additional interest to accrue on the mortgage. 

I did notify my contact at BOKF of my intent on selling the home in early XXXX. Also, I pulled a payoff quote from BOKF on XX/XX/2020. The title company also worked with BOKF for the payoff amount even though it knew that it no longer owned the mortgage. 

Additionally, the XXXX XXXX representative told my Title Services representative that the additional interest should have come out of my escrow because I had money available. This sounds illegal, if not unethical. 



Original Lender : BOK FINANCIAL MORTGAGE XXXX XXXX XXXX XXXX, XXXX XXXX PAYOFF STATEMENT XXXX, OKLAHOMA XXXX New Lender : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX

Company response to consumer: Closed with explanation