BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To Whom It May Concern, I am currently looking at my credit score on XX/XX/XXXX and notice a few things still have not been removed as I was told they would be. Derogatory marks reported on XX/XX/XXXX would removed completely off my credit file and it is currently still showing. Any responsibility I had with them was validated. On Hard Inquiry It still shows from XXXX XXXX XXXX  XXXX on XX/XX/XXXX. XXXX This was fraud and was never authorized by me ) I have contacted the company multiple times to show me proof type of proof that I personally signed up or did business with there bank. They kept saying they would get back to me and now it's been well over 60 days which to my understanding of the fair credit act means it should come off since they have not provided any proof on this?

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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX reporting AS INQUIRIES to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 explanation
Consumer complaint received 2017-05-23
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: Account status incorrect

Complaint:
You have reported wrong status in my report I have never paid late these accounts : "  XXXX  -  XXXX  " "  XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  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 2017-05-22
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Boeing employees credit union recently reported my current home loan as derogatory, and closed due to chapter  XXXX  bankruptcy and now my excellent credit has dropped  XXXX  points at one credit bureau. I was legally divorced in  XXXX   XXXX . My ex wife filed bankruptcy a month later in  XXXX   XXXX  and included our home loan in the bankruptcy. The home was awarded to me. She signed a quit claim deed in  XXXX   XXXX .     I was in the process of assuming the loan with BECU to get my ex wife 's name off the home loan. In approximately   XX/XX/XXXX /  XXXX   XXXX   XXXX    I assumed the loan fully so that the loan is in my name only. None of the payments for this house have ever been late. No portion of this loan has ever been forgiven or written off. I have never filed bankruptcy or co filed bankruptcy I do n't see how it is even legal for them to report that my home loan, in my name only, has bee n discharged due to bankruptcy when it never was discharged. I have always been current with my l oan The credit union needs to remove the wrong derogatory information from my report and restore the loan as it was to show it current, all payments on time and no bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Information belongs to someone else

Complaint:
I want these accounts removed off my credit reports because of fraud, all these accounts were open fraudulently, my information was exposed in a data breach with XXXX, these creditors are providing false information to experian and XXXX, I will provide a ftc identity theft report, and my personal information to block these accounts once removed, XXXX XXXX remove this account, I called because a card was sent out to me for an account I did not open remove this account I ask XXXX XXXX to remove this because its fraud, XXXX XXXX XXXX XXXX credit card remove this XXXX XXXX XXXX XXXX has committed fraud against me, enhanced recovery for XXXX dollars original creditor XXXX this account is fraud because XXXX leaked my information on the dark web, I have filed complaints with both attorney general in ga and XXXX  XXXX, XXXX credit card please remove this account is fraud my information matched because someone open this account fraudulently, XXXX XXXX car loan, remove this account is was open fraudulently using my information because of XXXX XXXX breach, 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 2022-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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 Capital One ( XXXX XXXX  Account ending in XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
both XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX ; Midland funding LLc continue to send me letters to collect a 3rd party debt, after I wrote to them informing them that I do not deal with 3rd party debtors or their attorneys. XXXX XXXX keeps putting the address of the local courthouse on their communications, to imply some threat of legal action or debtors prison. attorney XXXX XXXX XXXX State bar # XXXX is the XXXX or XXXX lawyer from XXXX to contact me about the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being " locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.

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 2022-09-15
Company: FIRST HOME MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been approved for financial assistance for my mortgage from the federal Homeowners Assistance Fund, more specifically, the Virginia Mortgage Relief Program, or VMRP, which provides assistance to homeowners experiencing delinquency due to a financial hardship as a result of COVID-19 to help address mortgage and/or other qualified home ownership-related delinquencies to avoid default, foreclosure, or displacement. 

The program has reached out multiple times to First Home Mortgage Corporation ( my leinholder ) to verify the debt and get the funds to pay my back mortgage sent to them. First Home is not responding and when I call they make note on my file but have not followed back up with them. The money is ready to be sent but First Home Mortgage is not cooperating with the federal program which will pay my delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: TN
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:
According with the Fair credit reporting act XXXX  accounts- All accounts from XXXX XXXX XXXX. 
To be removed/Deletions for all repeated accounts on my report and all violations from accounts to be deleted and took off my credit report. 
They state a full investigation was done and came back verified and updated but that's a lie and another violation of my rights. 

because under 15 U.S.C 1681i - procedure in case of disputed accuracy.

. Has violated my rights. 15 U.S.C 1681Section 602 A states I have the right to privacy.

15 U S.C 1681 Section 604 A section 2. It also state 's 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 explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2019-10-23
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
FRANKLIN COLLECTION SERVICES is reporting a collection on my credit report that does NOT belong to me. Numerous attempts to request Franklin collections to validate this account were ignored and instead they are now calling non stop and demanding personal information instead of proving to me that they have the right person they are trying to plug in the ss # and other sensitive data of a consumer which they don't have in first place. Don't they need to be a law firm to  threaten to send sheriffs to the house and why are they allowed to call at 4 or 5am. this is a total violation of FCRA AND FDCPA ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Lendmark Financial Services
State: DC
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:
LENDMARK FINANCIAL SERVICES IS TRYING TO COLLECT ON A DEBT THAT DOES NOT BELONG TO ME. I SENT 3 LETTERS TO THEM REQUESTING FOR VERFICATION AND VALIDATION AND AS OF TODAY THEY HAVE NOT VALIDATED THE DEBT. THE DEBT IS NOT MIND AND DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Since I am unable to get in contact with management at my bank, I would like to know why the practice of overdraft fees continues during the COVID-19 pandemic? Am I incorrect in thinking that banks will be getting stimulus packages like any other business? I have not worked for a month now and have recently incurred overdraft fees which I will not be able to address until XX/XX/XXXX. I have already been charged {$150.00} in overdraft fees and my account and additional fees begin XX/XX/XXXX or XXXX. Of the {$160.00} I am presently overdrawn, without the {$150.00} in overdrafts I am overdrawn by less than {$10.00}. Surely given the extreme circumstances of the pandemic the practice of charging overdraft fees should be waved. 

According to many sources over 75 % of American families live paycheck to paycheck. Certainly my situation is not unique and if allowed to continue will cause irreparable financial crisis ' to millions of American families. Overdraft fees are ethically questionable in the first place, but in these extreme times their continuation is the worst form of usury.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: NC
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:
After carefully reviewing my credit file. I am concerned with some items you are reporting for Account Number XXXX and Account name XXXX XXXX XXXX XXXX date opened XX/XX/2017. I am aware that under the FCRA 15 U.S. Code 1681 e, Compliance Procedures. B. ) Accuracy of reporting shall follow reasonable procedures to assure maximum possible accuracy. All three bureaus are reporting different account status, balances, payment history, closed dates, last activities, high balance, etc. Please correct these inaccuracies or remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have been requesting a modification since XXXX. We have been jerked around over and over. We have even called the corporate Headquarter to no avail. Our mortgage company is Bank of America. Loan # XXXX. Promise after promised. We have contacted many difference agencies and have been approved under the, ( XXXX and XXXX XXXX ect, which Bank of America has denied all of these programs approvals for us.. We have worked with XXXX for years and every time we got close to being modified, BOA told us we had to drop XXXX in orderr for the to help us and as always we end up in FORECLOSE again, again, again, .They promised if we could not get APPROVED we could use the XXXX program or short sale route to liquidate the property. But as always. Forecloser notices ARRIVED AT OUR DOOR OVER AND OVER AND OVER.We deserve a second chance like everyone else.Why have n't we received ours?

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 2020-08-19
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX inquiry on my Equifax credit report that I dont recognize and I never applied for any products or services with XXXX I dont have a XXXX. Please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2020 I called Mr. Cooper to inquire about the COVID-19 assistance programs they have available. I was on hold for over an hour to finally be connected to a person who just took my information to transfer me to another " specialist ''. Another lengthy hold and I was connected. I asked ( along with my husband on the call ) what our options were with regards to paying our mortgage. The lady informed me that the only resolution was to do a Forbearance Program. She let me know that this would affect our credit and told us all of the details. We were shocked this was all we had available due to no fault of our own being out of work since XXXX. She said the application would be coming via email and for us to look it over and resubmit online, by email or fax. We reviewed and considered our circumstances and decided not to send it back in and just do what we could to pay our mortgage during this difficult time. I received the paperwork via our account on XX/XX/2020. The 2nd letter arrived in our account on XX/XX/2020 saying after reviewing our documentation we were approved for a forbearance plan. Knowing that we didn't send anything in, I assumed it was just a formality. Today XX/XX/2020 we received yet another letter ( same letter as before but with an added paragraph ) telling us our inaction was approval of the forbearance if we didn't call in by the end of the month. We both felt this was deceptive and if others did not read the letter entirely, they might miss that added paragraph and be in a forbearance agreement that they did not agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: NY
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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Hi, On XX/XX/XXXX my bank account for XXXX Bank account was charged twice for the amount of {$110.00} which was the balance on my Capital One Credit Card Account. 

Since Capital One charged me twice for a single payment, I requested my bank to return the additional payment, which was returned on XX/XX/XXXX. 

However, the second payment, which was deducted from the bank account, did not reflect on my Capital One balance. 

I have already paid Capital One and provided proof of the payment, and they have done nothing about it. I still have balance which I already paid for, and now I have a late fee along with interest charges. I have spent over 6 hours over the course of the month to try to get this resolved. 

Furthermore, I humbly request the consumer finance agency to take action on my behalf. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard hit unknown. Not i

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 2021-11-12
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XX/XX/2020, Barclays Bank DELAWARE ( BANK ) put a Hard inquiry in my credit report for a credit card i never received. I never got accepted into the bank credit card and would like this hard inquiry removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation