BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On or about XXXX XXXX, XXXX, I received a disclosure of credit score information ( XXXX ) from XXXX XXXX. I continue to see the very same key factors that are adversely affecting my scores. 
The very same key factors have appeared on disclosure received on or about XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Disclosure attached for your information I have file complaints to credit bureaus and the Consumer Finance Protection Bureau. XXXX credit bureau ( TRANSUNION ) responded that key factors will not be deleted. Why? XXXX responded that dispute was not specific. How specific must I be? In the disclosure information it clearly states the key factors that are adversely affecting scores. There were no specific accounts provided. I have not received any responses from XXXX on this issue. Each one of these disclosure information pages appear to be identical to each other. I am shocked that one of the credit bureaus has the audacity to comment that these adverse key factors will not be deleted. Does n't this credit bureau realize that continuing to report these adverse key factors are affecting my financial life style? 
After reviewing the latest credit files from XXXX ( XXXX-dated XXXX/XXXX/XXXX ; XXXX ( XXXX-dated XXXX/XXXX/XXXX ; TRANSUNION ( XXXX-dated XXXX/XXXX/XXXX ) and going line by line I found no evidence to support these adverse key factors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
on XXXX I filed a complaint with the cfpb. BNY Mellon lied in it's reply to myself and this agency and stated it was a duplicate complaint and closed the case. In fact new documents that came out AFTER the original complaint were provided in the XX/XX/2023 complaint. 


It is in fact not a duplicate. BNY Mellon and XXXX XXXX are engaging in fraud. They have in fact, repeatedly denied owning the loan while XXXX XXXX repeatedly states that BNY " OWNS '' the loan. 

Both companies use this exact language. 


BNY Mellon is listed as foreclosing on our property but claim in correspondence they do not own the loan OR the property. 

We have also repeatedly requested the loan owner, investor or creditors name, phone and address from both BNY Mellon and XXXX XXXX and both companies refuse to provide the information which is a violation of TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is my Son old address ( XXXX ) XXXX, HI XXXX I have never lived at this address, ever. 
Please Remove from my Trans Union Information

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 2017-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have XXXX accounts on my transunion credit report that not being reported correctly. THE FIRST ACCOUNT IS XXXX THE ACCOUNT NUMBER XXXX. I HAVE DOCUMENTS TO SHOW WHY I BELIEVE THE INFORMATION IS BEING REPORTED INCORRECTLY. SO LETS START WITH XXXX I AM MISSING TRADELINE OF THIS ACCOUNT ON MY CREDIT REPORT. THIS CAR WAS FINANZE FROM XXXX ON XX/XX/XXXX AND ON TH RATING PART ON MY CREDIT FILE IT DOESNT SHOW THAT DAT ANY MORE BUT ON MY EARLIER CREDIT REPORT IS SHOWS THAT AND I WANT THIS PUT BACK ON AND STAY ON. I HAVE MY INSTALLMENT AGREEMENT THAT SHOWS THAT DATE AS I AM REPORTING. SO I AM DISPUTING THE MISSING TRADELINE ON MY CREDIT REPORT. I AM MISSING THE BALANCE ON MY CREDIT FILE ON MY EARLIER CREDIT FILE IT SHOWS THAT BUT ON THIS IT DOESNT SHOW THAT. I AM MISSING THE HIGH BALANCE COLUMN ON MY CREDIT REPORT IS SHOWING IN BRACKETS ON THE BOTTOM STATING AS HIGH BALANCE OF XXXX FROM XX/XX/XXXX TO XX/XX/XXXX THAT INFOMATION IS BEING REPORTED INCORRECTLY. I WANT THAT REMOVED OFF MY CREDIT FILE AND I WANT THE COLUMN AS SUCH BEFORE THAT SHOW HIGH BALANCE AS XXXX LIKE IT STATES ON MY EARLIER CREDIT REPORT. WHNE YOU LOOK AT THE INSTALLMENT AGREEMENT IT STATES HIGH CREDIT XXXX AT THE START OF THE LOAN FINANZE. ON THIS ACCOUNT I SHOULD HAVE LAST PAYMENT MADE FOR XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX PLUS THE TRADELINE AS XX/XX/XXXX IT SHOULD SHOW XXXX FOR RATING PART ON THIS CREDIT FILE. WHEN I GOT FINANZE I WAS INFORMED PAYMENT ARE DUE ON THE 4 DAY OF EACH MONTH AND I WAS INFORMED THEY UPDATED MY CREDIT FILE ON THE 14 DAY OF EACH MONTH AND THEY UPDATE MONTHLY BUT I DONT SEE SOMETIMES THEY UPDATE WHEN THEY FEEL LIKE IT. I WANT THIS ACCOUNT UPDATED CORRECTLY AND I WANT MY DOCUMENTS TO SHOW AS MY DISPUTES. ON MY XXXX XXXX ACOUNT XXXX THIS ACCOUNT NEEDS TO BE UPDATED ON MY DATE OF LAST PAYMENT IS SHOWING AS XX/XX/XXXX. BUT ON MY RATING PART ON THIS ACCOUNT IS SHOWING CORRECTLY FOR XX/XX/XXXX. I WANT DATE OF LAST PAYMENT TO SHOW AS CURRENT MONTH AS MY LAST PAYMENT. I WAS INFORMED FROM XXXX XXXX IT SHOULD BE SHOWING XX/XX/XXXX SINCE THEY REPORTED RECENTLY SO MY LAST PAYMENT DATE SHOULD BE REFLEXING XX/XX/XXXX AS MY DATE OF LAST PAYMENT. I WANT PAYMENT RECEIVED UPDATED,. I WANT THIS COLUMN UPDATED EACH MONTH WHN IT GET UPDATED FROM THE CREDITOR BUT THAT THE ONLY ISSUE I HAVE ON 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 2022-11-16
Company: Movement Mortgage LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company overestimated my escrow by over {$2000.00} and was aware of my totally XXXX veteran status, which reduced my property taxes by 75 % or more. I was advised by the escrow depart, via letter dated XX/XX/2022 of the overage of {$2000.00}. 

The funds have yet to be received by me, even after I have made more than four contacts with the mortgage company, since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I made an uninformed decision to apply for a best buy credit card. The terms of the agreement between best buy and myself were spread out across dozens of pages in a pamphlet that I was told I did not have to read.

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 2021-12-17
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the company Lvnv to verify debt, after a balance of {$400.00} was reported to XXXX and XXXX the debt was there after, it was deleted from XXXX. Since it has yet to be verified I still have not been contacted from the company LVNV. While they are still reporting this debt and I sent them verification letter over 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: DISCOVER BANK
State: NY
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 made my payment XXXX on time through money order. An employee explained to me if I mail out a payment I will get it on time. 
I called the company when I noticed that the payment was sitting in the process room. It's a secured card and XX/XX/2022 will make 7 months and a consideration for graduating to a unsecured card. Discover withheld my payment and applied it a day after the date. I have never been late and they are penalizing me when they gave wrong information and withheld my payment. They need to rectify this immediately. I will be reporting them to XXXX XXXXd my attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I contacted Synchrony Bank on XXXX to close my account and transfer {$510000.00} to my XXXX bank account which has been linked to my Synchrony Bank account for XXXX  years. I was told i would have the money within XXXX business days. I expected the money by XX/XX/XXXX. On XX/XX/XXXX i called Synchrony Bank when XXXX told me there were no pending XXXX  transactions for my account. I was told i would have it by the end of the week. I called again on XX/XX/XXXX I was told it was " in process '' and was being worked on at XXXX and could expect the funds on XX/XX/XXXX. Today, there are still no pending XXXX transactions. Synchrony Bank is holding onto my funds and failing to release them in a timely manner. I have spoken to many people and they don't have anything to say except please wait.

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 2020-04-17
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi I have raised two complaints with CFPB related to fraudulent activity by Best Buy Credit Card Services and Citi where there were two hard hits put on my account Complaint Numbers : XXXX AND XXXX I have received a response from Citi that this was going to be resolved and the hard hit will be removed from my report but that has not happened and still I have two hard hits Request you to please escalate and get this resolved

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 2015-10-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting calls from MCM ( Midland Credit Management ) and sometimes calling themselves XXXX. I believe these are related companies. 

I only returned to the XXXX in XXXX 2015 after living XXXX for over 20 years, and have no outstanding debt overseas ; in the XXXX, I have XXXX long term loan ( a car partially financed through XXXX ) and a couple of credit cards ( all of which are known and show up on my credit reports ). I have no other debt - no mortgage since we bought our house for cash, no student loans, or any other type of loan at all. 

MCM refuses to give me the last for digits of the SSN of the person they are calling. Further, they have said that they will take my number off the call list, but this clearly DOES NOT happen. 

I have told them - each time - that they are calling the wrong person, that I have no outstanding debt, and that they do not show up on my XXXX or XXXX Credit Reports. 

They continue to call, looking for a person with my name - and I admit it is a fairly common XXXX - but it is not me. My XXXX reports appear to be accurate ( there are no outstanding debt or unresolved credit issues ) but their continued calls are hugely annoying and verge on harassment. 

Finally, I tried to call the number on their website to speak to a CS representative, but they would not pick up. 

MCM/XXXX need to cease and desist this harassment immediately, but they do not appear interested in getting the facts straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX  XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: MORTGAGE LENDERS OF AMERICA
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
after 1 month was told I needed to refi my loan at no cost to me. Then was told they would add the cost to my loan. then received inter office mail that the papers were not filled out properly to sell the loan. Then found out they sold the loan without us fixing the paperwork. Got different mortgage co. After almost 2 months still have not gotten my escrow moneys. I called and was told they sent it to the home I was renting before the home they issued a mortgage to. Nothing but lies

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: ALLY FINANCIAL INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
cosigned for a loan for XXXX. she had all cash in bank at the time to pay off loan. 
when I read the information they had changed that XXXX lived me which she did not and that she worked for me which she did n't. she then paid off loan after ally finanancial said the transaction would happen immediately and then XXXX removed the funds from XXXX bank and took possession of car. Ally financial did not let me know till nine days latter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: ALLY FINANCIAL INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Auto agreed to let me skip XXXX payments in XXXX and XXXX of XXXX due to my employment layoff. A partial payment of {$260.00} was made on XXXX, skipping XXXX, and then a final partial payment on XXXX/XXXX/XXXX. In reality you are skipping XXXX payments. My next full payment was due in XXXX XXXX. I paid the full payment due starting in XXXX XXXX up until right now. They are reporting me over 30 days late in XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. If you look at my payment history on THEIR OWN PRINTOUT I paid every month and never late. I have tried to work w/them you get back in the mail is a " form letter '' saying their reporting is accurate. There is no name nor no signature. They honestly do n't want to help. My credit score has plummeted over XXXX points because of this. I have their printout of all my payments made and I agree with it. I believe the skipped payments have caused an effect making my account " look '' like I was continuously " behind '' when I was n't. I paid on time until my next approved skipped payments in XXXX XXXX. In fact, why did they not report me late XXXX? Why did they skip that XXXX? It makes no sense. Just another point their reporting is flawed. 
I have had this loan since XXXX of XXXX and was never late all that time. Their own printout clearly shows I made my payments. I honestly do not think they care or someone would have called me and not sent me a just a form letter not even signed. When you call you are lucky if you get someone with some smarts. They are like robots in their canned response. I do not know where to turn at this point. 
Being in the mortgage business has caused numerous layoffs and I have always honored my auto loan. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Halsted Financial Services, LLC.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
letter dated XX/XX/XXXX from HALSTED FINANCIAL SERVICES. stating that I owe them a debt for {$570.00}. The Original Creditor was XXXX XXXX, who previously charged off the alleged debt. I have no contract with HALSTED FINANCIAL SERVICES nor XXXX XXXX XXXX. They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I donot owe them anything I donot know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). They are offering 40 % off the alleged debt along with their symbol which is a violation of 15 USC 1692b ( 5 ). They are threatening me with harmful action towards well-being via credit report which is a violation of 15 USC 1692d ( 1 ). By them even communicating with credit agencies is a violation of my privacy per the Privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( XXXX ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account number : 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

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 2016-09-08
Company: Atlanticus Services Corporation
State: MD
Product: Credit card
Issue: Payoff process

Complaint:
I am desparately seeking your assistance with having a creditor ( that was paid in full per a mutually agreed upon settlement payment offer in 2013 ), with continuing to NOT report that the account been satisfied ( in 2013 ), and by constantly reselling it to collections agencies. I do have my proof that this debt was paid and settled via a letter from the law firm that originally handled this matter. The creditor is XXXX XXXX issurer of the ASPIRE credit card. Further information can and will be provide upon your request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: NV
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:
Please remove address XXXX XXXX XXXX XXXX NV XXXX. I am no longer reachable and dont live there and I dont want anyone opening important letters, bills and statements by someone and to prevent any identity theft and fraud activity. Please only put one address on my credit file and my name showing on my drivers license only. i attached copy of my drivers license.

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 2022-11-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
They will not provide me with a release of lien, I've called on multiple occasions and they continue to tell me they will not give me the release of lien

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX FL XXXX To Whom it May Concern : XXXX, TX XXXX XXXX, GA XXXX TransUnion , LLC XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Creditor Name Inquiry Date Removed By* Type XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX FL 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 2015-10-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i lost my business and lost almost XXXX doller and my debt collecting companies were keep calling frequently and any how i managed to pay off all their debt and i made settlement on time, but the have destroyed my credit score history and they put as a charged off account on my credit report. i need please attention to the issue

Company response to consumer: Closed with explanation