BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have 2 accounts showing late, this is incorrect. the statue for reporting thesis passed and should be removed XXXX Account number XXXX Account status Open Date openedXXXX XXXX, XXXX Account type Revolving account Usage : XXXX XXXX Balance on XX/XX/XXXX Credit Limit {$9600.00} {$12000.00} XXXX XXXX Account number XXXX Account statusClosed Date opened XX/XX/XXXX, XXXXAccount type Revolving accountBalance on XX/XX/XXXX Credit Limit {$0.00} {$20000.00}

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 explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I APPLIED FOR A CAR LOAN AND THE DEALERSHIP SENT MY INFO TO MANY BANKS I WAS TRYING TO REFINANCE MY HOME FOR A LOWER RATE/PAYMENT AND THEY SENT MY INFO TO ALL THESE BANKS. 

BELOW ARE ALL THE INQUIRES LISTED ON MY XXXX CREDIT. 

XXXX INFORMATIVE RESEARCH 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

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 2017-10-13
Company: Synovus Bank
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: Old information reappears or never goes away

Complaint:
This is more involved than just my credit score. When we started shopping for a mortgage in the summer of XXXX, we ultimately chose XXXX XXXX, which was recommended by our realtor. Shelter initially said they could give us a Jumbo Loan at a fixed rate for 10 % down on our $ XXXX purchase. Other companies could n't offer that so we went with XXXX. When it came down to crunch time, we learned that XXXX could no longer offer us that product because our credit score was XXXX, instead of the required XXXX. We also learned that we then needed 15 % down. By that time, it was too late to change companies. So we were told that we needed to have two mortgages- initially both were to be fixed rate. We sought the secondary mortgage from the XXXX XXXX XXXX XXXX. At the last minute, we were told that my credit score dropped to around XXXX. Now, we certainly did n't open new lines of credit or make an large purchases as we were anticipating getting our mortgage. It seems as though a " serious delinquency '' from over 5 years ago ( which was disputed and resolved ) re-appeared on my XXXX credit report. I called XXXX and disputed this report again, but it would take 30+ days to be corrected. In the rush to finish our mortgage before we lost the house ( our " drop dead '' date was fast approaching ), we had to accept a second mortgage at an adjustable rate. Because of all the errors along the way, we ended up with a larger monthly payment than anticipated. We have also estimated that we will pay an additional XXXX over the 30-year lives of our loans due to these errors. In a high-pressure situation as first-time homebuyers, we were in a vulnerable position and were at the mercy of professionals who we feel wronged us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
Credit card payment, for groceries purchased at the XXXX XXXX commissary on XXXX/XXXX/15 and XXXX/XXXX/15, were denied

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I carry debt on a private school loan. I receive at least XXXX calls per day from XXXX different numbers. I feel as though I am being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: First Federal Credit Control, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2013 My Mother-In-Law went to the doctor. She was XXXX yrs old at the time. She gave them her insurance. They were suppose to cover the whole bill. When we received the bill my wife spoke to them and said they needed to submit it to the insurance company as My mother in law was 100 % covered for this. I have Never spoken to this collection company. My Mother in law passed away 3.5 yrs ago. This collection company is attempting to damage my credit by putting it on as a recent non medical collection. They are misrepresenting the debt and who it belongs to. This needs to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquiries on my credit report that I did not authorize. The hard inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) also (XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). They are all unauthorized hard inquiries. I have contacted all credit bureaus to get the inquiries removed but they have yet to be removed from my credit report. I was told that there was nothing that could be done by one agent at transunion. I simply want these inquiries removed from my credit report with all credit bureaus.

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 2022-10-08
Company: Credit Karma, LLC
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I receive a message saying my account was locked. XXXX days prior, I made a large credit card payment by mistake that overdrew the account. To amend that error, I started to deposit money each day. The issue arose when I switched my primary bank account t this account was connected to. I had to open a new checking account recently and all my money to make that card payment was in there. Even though these were actions done by me, the account owner, they locked my account. 

XXXX cases were opened up after I called their support team. Both of them asked me for the same info : my ID, Bank Statement ( which was empty because the account was new ), and a screenshot of recent transactions which showed the XXXX {$2500.00} deposits I made. After providing this information to XXXX case on Thursday and another on Friday, Ive been ignored by the Credit Karma Spend account support team and they have locked out access to {$5000.00} in cash. Ive tried calling them and they give me the run around. After not hearing back on this money I really need back, I decided to submit this complaint. These were actions I took and I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SLS loan servicing is the most unresponsive, irresponsible, unprofessional loan servicing company I have ever seen. I have been in communication trying to get relief for a hardship experienced early in 2016. It is as if they lose my paperwork every 29 days. This is my second complaint and their response to the last complaint was to write a bunch of jargon that basically said XXXX you, you ca n't do nothing about it. Unfortunately there 's not much protection for the consumer. HOW MANY COMPLAINTS DOES IT TAKE TO GET ACTION? In the month of XXXX there were XXXX complaints filed and the consumer basically had the same complaint in each of their cases. Is there anyone that regulates these scammers? I was unemployed for 6 weeks so I missed two payments and have been making payments on time since XXXX when I returned to work but was forced to sell my home because there is no help available to deal with the two payments missed in the spring. PLEASE HELP WITH THESE SCAMMERS. When you call, you get a new story which is basically just another stall tactic. SLS claims they have no history of any communication prior to XXXX XXXX, 2016. The attached supporting documents prove otherwise

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 2021-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had received multiple emails from Bank of America regarding a {$300.00} bonus offer for opening up a checking account with the company. It required opening an acct with the offer, creating a checking account, and direct depositing over {$4000.00} over the course of 90 days. During the course of time I had over {$6000.00} direct deposited into the acct. 

I have called on multiple occasions between ( XXXX and XXXX ) and several agents assured me that I have met the requirements and to just give it time for the money to post. I called again in XX/XX/XXXX because I still have not had anything posted to the acct and a representative XXXX stated there was a message that I did not meet the criteria. 

This was the first time I heard this and she we went over everything on my acct and showed I was aligned to meet. I have been coaxed into signing up for a checking account and lied to by several agents at this point only to be denied afterword 's. Bank of America has lied. 
A complaint number was filed :

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 2022-05-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 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 2018-12-01
Company: Innovis
State: MS
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 been disputing with XXXX XXXX for over a year. Ive filed disputes with XXXX, XXXX, XXXX and XXXX XXXX. XXXX deleted XXXX a inaccurate accounts all together but XXXX is still reporting late payments on my credit files with XXXX and XXXX. They are reporting a 90 day late payment in XX/XX/2017 and reporting a 120 late payment in XX/XX/2017 but in XX/XX/2017, XXXX is reporting that the account was paid on time. How is it possible that in XX/XX/2017, the account was in good standing showing paid on time and suddenly ONE month later in XX/XX/2017, the account was reported 90 days late. Thats not accurate at all especially since my account was in forbearance. This error shows the negligence of XXXX, XXXX   and XXXX XXXX. I sent requests for correction to XXXX and they denied it and I disputed with XXXX  and XXXX and they both keep saying its correct. This error couldve been caught earlier on if a person did a thorough scan of the account but instead, Ive had to endure credit rejections for over a year due to these inaccurate late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, INC.
State: MD
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:
On XXXX XXXX,2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, INC.
State: MD
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I submitted a request to remove an error on my credit report with equifax nearly XXXX months ago now. Since then they have ignored me 100 % and refuse any contact. 

After submitting a claim to the CFPB, equifax finally replied with a blatant lie stating that in my request for them to correct my credit score, I never listed what it was I was disputing. 


That 's 100 % impossible with Equifax 's system, you HAVE TO LIST YOUR DISPUTE in order to submit the dispute. I did list what item I was disputing, it was literally the only way to submit the claim, you can not submit XXXX without listing your disputed item. So how on earth can Equifax claim in any sincerity that I never submitted the disputed item on dispute form that requires you to submit that item to continue? 


Equifax are lying and still to this date refuse to remove an error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX  XXXX XXXXXXXX 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 instruction.

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 2022-05-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a personal account in PayPal from XXXX I deal with it on a daily basis until XXXX PayPal upgraded my account to Premium I have an account manager and follow up on my account periodically UntiXXXX XXXX  month XXXX My PayPal closed my account and it was XXXX XXXX dollars I contacted them a lot to understand the issue and explained the reason to me, but they did not give me any clear information and they told me that I should go to any other bank to deal with it And they told me that the money will be withdrawn to my bank account 180 days after closing the account 170 days have passed and then all my balance was deducted and the money was transferred to the benefit of Paypal Without any right, they take your money I called them a lot but they don't get any response or response unfortunately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX XXXX Credit card was stolen. I contacted XXXX XXXX and they sent me a replacement card two weeks later. So, the account was not eliminated or removed, it was simply replaced by another Credit Card.

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 2015-04-28
Company: Pacific Union Financial, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX 2014 I refinanced my VA loan with a VA IRRRL with Pacific Union Financial - however instead of my interest rate going down it went up. The lender then discovered they could not insure the loan with VA, so the made me refinance, although they fired me XXXX 2014. They could not refinance me until XXXX, so they held the loan in their portfolio - and made us pay the higher interest for those 8 mos. In XXXX they paid my escrow from the old loan, collected escrow funds on the HUD and I 've been paying monthly escrow. My current escrow balance is over {$10000.00} ( my RE taxes are only {$6500.00} annually ). The escrow balance from the old loan was applied to new loan.. and I can not get Pacific Union to release the extra funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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 XXXX, XXXX and Transunion did not provide proof or verify that these accounts are mine. I sent in letters 60 days ago asking that XXXX, XXXX and Transunion verify the accounts with my signature on them and they failed to do so. 

Below the uploaded documents also shows that the payment history are not the same faulting in inaccuracies on my credit report for all three of credit bureaus XXXX, XXXX and Transunion. Therefore I ask that the accounts are removed.

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