BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I received an updated report history on my credit file from delinquent to current on one of the accounts I previously reported as inaccurate ; however, the company closed the account immediately after this occurred but did not update the credit file on the second card as requested. I have continuously asked this company to update my credit file to current so I can resume payments on the account, even offered to pay the account in full to delete the negative payment history because this is affecting my credit history in an attempt to purchase a home. I would like for the remaining account that is open to be updated to the current so I can resume payments on the account. As stated before, I was under financial hardship due to my personal bank account being compromised, and have made every attempt to resolve this issue. Per the letter that was sent back in XXXX, the company stated they were going to close these accounts ; however, again one has remained open and constantly reporting late so this is an inaccurate reporting.

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 2023-09-12
Company: NEW YORK COMMUNITY BANCORP INC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Flagstar bank has violated the cares act multiple times and put myself, my family and my work in unnecessary financial stresses that have led to negative outcomes. They admitted it once and then turned around and did the exact same thing they knew they did wrong all over again. 

The Cares Act stated that they can not charge fees or refer to foreclosure and they referred you to f/c 2 times once on XX/XX/XXXX and then again on XX/XX/XXXX. This is considered dual tracking and is not legal. 

This is the second time I have had to deal with this. They have sent people to my door weekly with foreclosure papers, harassed us, and told me the VA denied everything when none of this is true. The VA has extended the program out until XX/XX/XXXX and I am supposed to be able to be on it by then. 

My VA rep sent me documents showing that I am on forclosure till XXXX and I was calling to get the extension but was once again told my home is going to forclosure and I am not on a forbearance plan. I have tried contacting Flagstar countless times and have left countless messages for XXXX in lost litigation and noone ever returns my calls. 

This has cause a huge strain on my family and is part of the reason we are now in the middle of a divorce. 

They have destroyed my credit and cause so much strain on my family and work. This is uncalled for They contacted me while on my family vacation telling me my appeal has been denied and if i dont pay XXXX my home will be taken in foreclosure I can get you any documentation needed from the VA that shows all the dates etc. My rep there is 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 2023-09-22
Company: EQUIFAX, INC.
State: CA
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : $ {$0.00} XXXX XXXX XXXX Balance : {$500.00} XXXX Inquired on XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME XXXX XXXX  ACCOUNT # XXXX DATE OPENED XXXX Company contact info XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone # XXXX XXXX XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 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 results from an alleged identity theft. not later than XXXX 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 identit theft!! Please delete these items as soon as possible! 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 und the following circumstances and no other : ( XXXX ) 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 consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Navy Federal closed checking and savings account saying they did not like some deposits. However, will not release funds back to me. They are holding onto over {$4000.00}. They note that I must go into a branch 26 miles away to collect my funds. I do not have the means to travel 26 miles each, nor spend the 3 hours round trip it would take to do it. I am happy to provide any ID verification requested online and would like my funds transferred to me via ACH or to the address on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022 Dear Comenity Bank, I am a XXXX XXXX customer. I made several payments to Comenity Bank after XXXX XXXX transferred to another company. Please refund ALL of the money I paid to Comenity Bank! 



My phone calls have been ignored therefore I am writing this letter to you and consumer affairs. Please feel free to reach out to me to rectify this matter. I can be reached at ( XXXX ) XXXX after XXXX. My address is XXXX XXXX XXXX XXXX XXXX CT XXXX. 



I look forward to hearing from you. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account info 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, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 2022-12-12
Company: EQUIFAX, INC.
State: OH
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 rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
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 attached an FTC report with a fraudulent account and fraudulent inquiries I did not authorize, please delete

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 2023-10-06
Company: NEW YORK COMMUNITY BANCORP INC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In XXXX, our loan payment jumped by {$150.00}. We had no idea this was going to happen, because we never received an escrow analysis or notice from the loan servicer. They insist they sent it to us, but we never received it. They even accused me of not checking my mail rather than try to help. 

I eventually found the escrow analysis on their website, and it states incorrect information about escrow cushions. Where it calculates the " shortage '' it says that the escrow cushion must never *fall below* 2 months of escrow payments. This is backward- it should never exceed 2 months. And yet, they seem to have done their escrow calculation based on the incorrect information, and determined that we have a shortage of over {$1000.00} to bring the escrow cushion up to 2 months. 

Except there is no requirement for this, at all. They seem to have made this determination completely arbitrarily, based on incorrect information ( not letting the cushion fall below 2 months ). See the description in the attached escrow analysis, " Determining Escrow Shortage '' heading, on the first page. 

I spoke to them about this, and they refused to make any change. They insist that it is their right to collect escrow in whatever way they see fit, even if it is apparently based on an incorrect understanding of the regulations.

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 2023-08-25
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I mailed letters to Equifax in XXXX, XXXX and XXXX to dispute incorrect information reported to my bank. I was denied a loan in XXXX based upon incorrect information reported to this lender from my Equifax credit report. 

I've included with my letters mailed two copies of my driver 's license and a copy of my electrical bill to confirm my identity to Equifax. I have been told repeatedly by phone my letters haven't been received. 

I have copies of receipts for my letters mailed from the U.S. Post office. The Equifax customer service reps tell me they haven't received any correspondence from me since XXXX. 

Second issue is access to my credit reports via free Equifax online account. I can log into my account but can't view any previous or current credit reports. Since XX/XX/XXXX this has been an ongoing issue. 

When I ask for IT technical support, I'm told repeatedly this issue has been escalated. But I can never speak with their IT technical support team, told by the Equifax employees that the IT tech department doesn't take customer calls. 

I've called many times, and my concerns aren't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.

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 2023-09-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Four fraudulent charges on my Wells Fargo Visa card ending in XXXX charged at four different XXXX XXXX locations on XXXX XXXX. XXXX XXXX is closed. New card ending in XXXX was issued. 

Fraudulent Charges dates/merchant/amount XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} Charges were disputed and last letter dated XX/XX/XXXX from Wells Fargo stated charges on your credit card account are valid and appear to be authorized by you. As a result, you are responsible for payment, and your claim has been closed Several calls immediately after this letter to continue to dispute the charges were unsuccessful. I pleaded my case that I am a student living in XXXX XXXX. At the time of these charges I was in XXXX XXXX XXXX. 

Please help reverse these charges. I have never been involved in any fraudulent charges. I am a XXXX XXXX XXXX female student and can not absorb these blatantly fraudulent charges. 

Thank you for any assistance.

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 2023-08-24
Company: Solar Mosaic LLC
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: Account information incorrect

Complaint:
In XX/XX/XXXX, XXXX XXXX submitted a loan request to a vendor for my solar panel project and the contract was never signed. The loan request was incorrect with $ XXXX in monthly payments with incorrect loan terms of 5 years. We brought this to the attention of XXXX XXXX XXXX and they advised that it was canceled. They provided a new contract with the correct loan time line of 25 years we signed and for nearly a year now, We have paid the correct loan on time to Mosaic Solar. 
We recenly recieved a notice for payment on the contract that was initially created in error dated from XX/XX/XXXX to start payments on XX/XX/XXXX. We have been in communication with Mosaic and they say we are still obligated for payments to the contract that was in error until our solar installer called them. Additionally, I receive notice that a payment was due for the INCORRECT loan amount that was supposedly canceled. This has been reported to my credit; there are TWO active loans in my name when there should only be one. 
Mosaic needs a cancellation form from XXXX XXXX. I called XXXX on XX/XX/XXXX and requested a status update. They advised they would call me by that Saturday with an update. I didn't receive that call. On Thursday XX/XX/XXXX and waited for 10 minutes for an agent to pick up the phone. I called again Monday XX/XX/XXXX at XXXX CST and waited for 30 minutes before I opted to leave a voicemail requesting a call. At XXXX XXXX  CST I called again and waiting for 31 minutes but was never offered voicemail or a call back. I called again on XX/XX/XXXX and waited 5 minutes until prompted to get a call back when an agent was available. On XX/XX/XXXX I requested an update via email. I had gotten replies about this issue on XX/XX/XXXX, so I had hoped my XX/XX/XXXX follow up email would prompt a response and the response I received is that they want to increase the loan amount by {$2000.00} due to some error on their end, not cancel the loan as needed. 
Needless to say communication has been difficult and XXXX XXXX and Mosaic Solar instead of communicating with each other have us playing the middle person in an error of thiers and neither company is taking responsabilty to resolve the isue we have communiacted by phone and in written emails to both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: IA
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:
I was trying to open a new cell phone plan and they advised me my social security number had been compromised and they cant verify it with my correct information so they couldnt help me. When I pulled my credit report, there were about XXXX inquiries that were not me, there we charges, taken out of my account, that I did not do - they applied for a car loan and an installment loan impacting my credit - and everything I try to apply for or verify my identity is says my identity can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
This account is for XXXX. 
I've disputed the missing Payment History several times. Experian removed the year XXXX and XXXX from this account. This is no longer FAIR. 
Experian claim the account open date is XX/XX/XXXX but the Payment History begins XX/XX/XXXX. How? 
This account is missing 17 months of Payment History that's required to make this account ACCURATE and COMPLETE. Based on the reporting of this account it must be deleted under the FCRA

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