BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
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:
Since XXXX, Experian has ignored and dismissed my letters of disputes regarding numerous credit inquiries on my report. In XX/XX/XXXX, I contacted Experian regarding 3 inquiries by XXXX, for the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Experian refused to remove those three inquiries and kept my file unlocked. Recently I had 3 more inquiries posted to my report that dont belong to me. The first is by XXXX XXXX, posted on XX/XX/XXXX, followed by Experian Business Credit on XX/XX/XXXX, and lastly XXXX on XX/XX/XXXX. In total this makes five unauthorized inquiries on my credit report where someone is attempting to obtain lines of credit using my information. Experian has been reckless and continues to post this fraudulent information on my file. They have refused to lock my file upon my request if these five inquiries arent removed, I will proceed with legal action against Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Is your policy to keep reporting bankruptcies which are filed or adjudicated for 7 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

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 2016-06-19
Company: LJ Ross Associates
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never given a chance to dispute the debt. I did not know about this debt and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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 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 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX XXXX XXXX. I opened an additional account with Bank of America on XX/XX/2022, and set up direct deposit from XXXX XXXX XXXX XXXX On XX/XX/2022 my employer sent my funds to account ending in XXXX. The bank have not released my funds in the amount of XXXX. My child and I need medicine and much needed supplies, do to me having covid. Also, I asked for a regular checking and they gave me a different checking acct. Which they didn't explain anything about the new product.

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 2016-05-26
Company: Seterus, Inc.
State: WA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After going through a long modification process with BofA, I finally got my loan modified and began making regular payments again last fall. In XXXX, I received notice that my loan would be transferred to SETERUS, INC. effective XXXX/XXXX/15. Having not received a 'welcome pkg ', I called Seterus to learn my new acct # so I could put it into my bank payment system and I made my XXXX & XXXX payments on time. Made my XXXX payment on time but did not get a statement until XXXX XXXX which said I was late and late charges were applied. That is when I checked the # I put into my bank system vs the # that was in the welcome pkg & statements : they were not the same -- -not even close enough to have been a typo on my part. I called Seterus and actually got a nice female rep who tried to help me. She could n't find any record of my payment until I gave her the # that the rep gave me back in XXXX. Then she found my payment but said it had been pulled out of the erroneous account but she did n't know where it went. She said she would do some further checking and would submit a reverse the late fee charge. Made XXXX payment on time with correct # in system but when I got my statement, it still showed me a month behind. I faxed in a detailed letter explaining the problem, the error & listing of all my transactions. On XXXX I got another late notice and charge. I called again and a nice male rep helped me. He found my letter in the computer files but it was as if no one had even read it. He told me talking to a supervisor would n't help but he looked over my letter and said he would escalate the issue to get it resolved. He asked me to submit a copy of my bank statement for XXXX showing the payment was made which I immediately did that day. XXXX payment made on time but again statement showed month behind and on XXXX received another late notice and charge. Two months gone by and issue has not been solved. Faxed another letter today to Seterus and filed complaints with XXXX of XXXX, XXXX, XXXX, the XXXX Attorney General Office and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX I just checked my report and I noticed that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Is your policy to keep reporting bankruptcies which are filed or adjudicated for 7 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Is your policy to keep reporting bankruptcies which are filed or adjudicated for 7 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

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 2020-06-18
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX  is reporting a Chapter XXXX Bankruptcy on to all 3 credit bureaus although I submitted to them a letter from Georgia 's Bankruptcy Clerk of Court to them on XX/XX/XXXX stating that I do not have bankruptcy in my name. I have spoken to XXXX XXXX on XX/XX/XXXX at which time the representative was unable to verify their records because they started the dispute and by XX/XX/XXXX they XXXX XXXX was still trying to verify the bankruptcy. According to her it takes up to 30 for their investigation to be complete which gives them up to XX/XX/XXXX to be complete. However on XX/XX/XXXX XXXX XXXX verified this account with Experian Credit Bureau although they were not able to provide me with verification. This is a violation of FCRA Section 609.

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 2020-06-18
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We deposited a check with Citibank XX/XX/XXXX, and they put it in my Checking Plus account unauthorized. It was supposed to go into checking. We were released {$7100.00} on XX/XX/XXXX, and we were just released a letter stating that my credit line was reduced to {$300.00} from {$3000.00}, so they were not able to release the rest of the funds. Now, these funds were not intended to pay off loans, which I was paying every month. So, this was an unauthorized move by the bank. We need the {$3000.00} to pay our movers, and we have asked a relative to cover this, which they may not do. I would like compensation from the bank Citibank, to cover this problem.

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 2016-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently received a copy of my Transunion credit report. The credit report showed a credit inquiry by XXXX XXXX on XXXX/XXXX/2015. that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

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 2017-01-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I just discovered that I 've evidently slept walk through a buying a car and mortgaging a house. I rent and my car is 15 years old. How the XXXX do I fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was incarcerated on XX/XX/XXXX. I was released on XX/XX/XXXX. Unauthorized, fraudulent transactions starting on XX/XX/XXXX and ending on XX/XX/XXXX took a total of {$4300.00} plus associated fees out of my account. I immediately filed a report by phone the night I was released from jail when I found out about the transactions and through the website once I was able to log in. The company denied my claim on XX/XX/XXXX saying that because my pin was used for some of the transactions, they were not unauthorized and I was responsible for them in full. I fully complied with all requests for information. They accused me of making the transactions myself and lying about it, even though I was clearly in jail the whole time this was going on. I submitted an appeal on XX/XX/XXXX. They sent me an email on XX/XX/XXXX saying they had received my appeal but they could give me no time frame on when it would be completed. That money was everything in the world that I had. My home, my car, all my possessions were lost when I went to jail. Please help me. I've always tried to do the right thing and it is unconscionable that Navy Federal Credit Union could get away with this without so much as performing an investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: TD BANK US HOLDING COMPANY
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: Old information reappears or never goes away

Complaint:
Target RedCard promised to delete my account once I paid it off. They broke this promise and the information on my credit report is still there. I have tried calling this department, but the agents are rude, laugh at me, and hang up on me. Very terrible customer service and a terrible representation of Target Stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: CA
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:
Equifax has mishandled my information, did n't notify me for a full six weeks ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours and will continue soaking my time. Eventually this will cost money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 


Equifax breach date : XX/XX/2017 Equifax breach disclosure to public via social media and not directly to consumer : XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made bi weekly payment to my mortgage. I was advised that because the payments were made separately that a portion of the payment went to the principle balance, and the remaining went to an unappiled status. I informed the representative that I need to have both payments applied to the mortgage. I have made 5 calls to Shellpoint Mortgage LLC, each time I was advise this matter would be resolved. I am now receiving calls and emails that my mortgage is pastdue and late fees will be applied. I do not know what to do. I'm afraid of getting a credit hit. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was laid off of my job in 2011. My mortgage was with XXXX XXXX XXXX at the current time. XXXX XXXX XXXX was working with me in a forbearance on my loan. During the time I was in my forbearance period my loan was stole to Bayview Loan Servicing llc. Bayview stated to me that they was n't honoring the forbearance that XXXX XXXX XXXX had granted me before the loan was sold to them. Since my loan has been with Bayview I have tried getting a modification several time with no success. While looking for avenues to save my home I learned that my loan was switched from an FHA to an conventional loan without me signing any paperwork. Bayview has attempted for foreclose on my property which led to me filing bankruptcy. Since I have filed bankruptcy I tried for a modification again. It has been several months with no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
When going through the verification process it was asking me questions about a mortgage loan which I have never had. Also, while on unemployment I was notified that the State of Oregon 's XXXX database was hacked and I never received identity theft protection. I know that there is erroneous information on my reports and I can not access it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Resurgent Capital Services L.P.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Opened XXXX XXXX sometime XXXX. Sent to collections XX/XX/XXXX. They left my account open and charged enormous amount of fees. Now owing XXXX from a credit card of XXXX. I made 1 payment, then fell upon hard times with my husband out of work. Credit limit was XXXX. I believe there was an annual fee. Most of the XXXX was fees etc. I talked to XXXX at lvnv funding and tried to explain I need printout of fees etc. I never received anything since XXXX. I talked to a lady a couple days ago. And asked for printout of fees. Nothing, instead sent my file to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TD BANK US HOLDING COMPANY
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: Information is missing that should be on the report

Complaint:
Td bank!! Why did you stop reporting my credit card payment to XXXX? Since XX/XX/2021 you have not reported my credit card payment. I have made all my payments on time and I deserve credit for that! Update my payment history!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
credit bureaus have failed to remove fraudulent accounts off my file that 's a result of identity theft

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 2015-05-26
Company: Ocwen Financial Corporation
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2015 received a call at XXXXXXXXXX/XX/2015 received a call at XXXX, XXXX,XXXX,XXXXXXXXXX/XX/2015 received a call at XXXX XXXX, and XXXXXXXXAll calls were received from Ocwen financial about my mortgage payment . My payment is due on the XXXX of every month, however it is not considered late until the XXXX of the next month. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Grant & Weber
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX  sent me a letter notifying that my credit card I have not used  in two years will be closing due to a recent scan of my credit report.  Urgently, I got a copy of my report and saw that I had  XXXX  outstanding medical bills since  XXXX  unpaid and sent to collections. I had never seen these before. I called the collections agency, Grant & Weber, and after verbal mistreatment they pointed at me saying it was my fault for not receiving the statements. I had moved to  XXXX  different states within  XXXX  years and  XXXX  residencies in  XXXX  of those states. I calmly asked them what rights I have to verify that they had been sending me letters. They told me I had to pay my collections up front. I let them know I was educated to know I had the right to ask for proof of mailing me these letters from collections. They put me on hold and yelled, " I 'm answering this other guy that wants to pay! I have no time for you! '' Because of this treatment, I will fight this and do what is right. If I owe, of course I  would pay to my Dr. 's. No way am I paying these debt collectors. You are a disapp ointment to our people.  XXXX   XXXX , o f Grant and Weber Collections said, " I have  no interest in helping people. '' Well,  XXXX . No one wants your help if it 's going to be harassment.

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