BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act 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 2020-08-04
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:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-01-23
Company: Experian Information Solutions 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:
Someone stole my identity and opened a fraudulent account with XXXX XXXX  without my consent. Inquiry date was XXXX, XXXX, 2022. 

This account is fraudulent and it has affected my credit negatively. Please help

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 2022-01-23
Company: EQUIFAX, 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:
Someone stole my identity and opened a fraudulent account with XXXXXXXX XXXX without my consent. Inquiry date was XXXX, XXXX, 2022. 

This account is fraudulent and it has affected my credit negatively. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: GUARANTEED RATE INC.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
The company did not follow state/federal guidelines regarding providing final numbers for closing. We did not receive the final numbers until 15 minutes before we closed, versus the legal guidelines to provide us those numbers 72hours before. Additionally the numbers that were provided to us 15 minutes before closing, were over {$3500.00} more than what we had discussed the previous day. We then had to bring that difference unexpectedly to the table for closing. The company also charged us {$810.00} for an extended rate lock guarantee. This was not discussed and closing was held up by their inadequate filing of our documents, not because of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
This situation relates to a recurring problem I 've been having with Experian. I keep my credit frozen, and only lift the freeze when I know I am applying for credit. I have not had a problem temporarily lifting freezes with XXXX. For the XXXX time in 3 months I have had credit denied because Experian will not lift the freeze on my account. They requested I send additional information to them. I have done that using XXXX XXXX Mail and I have a receipt to show they received the information. They still have not lifted the freeze. Not to mention the other XXXX agencies charge {$5.00} to lift a freeze and Experian charges {$10.00}. I do not believe they are acting in a way that encourages consumers to protect their credit. The XXXX time I complained to you about this, they sent me a credit report. I never asked them for a credit report - I asked them to lift the credit freeze on my account! I am at the end of my patience with them and hope you can help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
{$5600.00} XXXX XXXX keeps dinging my credit for a car that has been totaled out. Vehicle has no use and not in possession of it. I have already provided information to dealership to speak with insurance to resolve this issue, also have spoken to numerous people who said vehicle also had gap coverage and Im not obligated to any further payments on vehicle.

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 2020-07-06
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:
I AM HAVING A SERIOUS ISSUE GETTING SOME ACCOUNTS REMOVED OFF OF MY CREDIT. I HAVE SENT 5 DISPUTES TO EXPERIAN, XXXX  AND XXXX. I CAN NOT SEEM TO GET THEM TO DELETE THESE LAST FEW FRAUDULENT ACCOUNTS.

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 2016-01-08
Company: Rauch-Milliken International, Inc.
State: CA
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 hired a marketing company to start a Pay per Click ad campaign. I had two months worth of services. I paid for one month of the services and the other month i fell behind because our business started to slump dramatically. We are on the verge of going out of business and i was contacted by this collection agency and they claimed i owe XXXX when in fact i only owe {$600.00}. im willing to make payments on the {$600.00} and only the XXXX XXXX because we are under substantial financial hardship. Thank you

Company response to consumer: Closed
Consumer complaint received 2017-05-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have contacted you --  XXXX   Fifth Third B ank -- our accountant emailed to them our taxes   XXXX   XXXX   they " ca n't find them '' I sent them again twice.     is this a scam to say they can not find the required documents & taxes???     very frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
SOMEONE TOOK MONEY FROM MY ACCOUNT AND STOLE FROM MY ACCOUNT AND NFCU CLOSED DOWN MY ACCOUNT AND I CAN'T ACCESS MY ACCOUNT, IT IS RESTRICTED BECAUSE SOMEONE TOOK MY PERSONAL INDENTIFICATION INFORMATION AND DEPOSITED CHECKS, I HAD A BUSINESS ACCOUNT AS WELL AS A PERSONAL AND I DO NOT KNOW WHO DID THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX, I have been charged unexplained fees to my mortgage. On XXXX XXXX I became aware that my XXXX payment came back NSF. At that time, I called and spoke with a representative and paid the past due payment, late charge, and NSF along with a {$15.00} fee to make payment over the phone. When I went to pay my XXXX payment, I noticed their were {$70.00} of unexplained fees in the payment amount. At that time, I called and spoke with a rep who took my payment over the phone and told me the fees would be researched but he would waive the late charge and took my payment over the phone. As of XXXX XXXX when I reviewed my account the amount due was the normal monthly mortgage payment. I have not received a new billing statement as of XXXX/XXXX/17 and one is not available online. When I went to schedule my mortgage payment on XXXX/XXXX/17, the amount due has {$70.00} of unexplained fees assessed again. At this point I am unable to schedule a payment and this will cause my payment to be late because I do not have the {$15.00} to make the payment on the phone. This is causing a huge inconvenience. The mortgage company has still not followed up with me about last month and the fees that were assessed. I am afraid this will become a revolving cycle month after month. 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 2016-06-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Request SPS to provide the following items to me ( this has been ongoing since they became the mortgage servicer since XXXX XXXX XXXX ) 1.written explanation why my property tax ( 1st installment due XXXX/XXXX/XXXX ) was paid late XXXX XXXX which incurred a penalty from the State of California ( $ XXXX est. ) which as of today has never been provided after 5 requests through letters and faxes 2.request for my impound account that pays my property tax and fire insurance be terminated and have the mortgage note modified to reflect the principal and interest payment without the impound..sent two letters as well as a fax letter and no response in writing from SPS as of today date 3.request a written explanation of why there is a escrow shortage for the tax and fire insurance impound since it is being added to the principal and interest payment and how did this occur..request three times via letters fax to their customer service account supervisor XXXX XXXX, XXXX XXXX, XXXX XXXX without result . last two months to date. 

Please have SPS comply to my written requests without further delay. I have been in contact with them long enough toi realize that it is a total waste of time and energy without your help to force them to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from 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 explanation
Consumer complaint received 2020-11-23
Company: TRANSWORLD SYSTEMS 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:
I had a billing dispute with my old apartment complex in terms of an alleged past due balance. I had to relocate for work. I specifically requested a complete breakdown of charges in writing and never received a response. Now this alleged debt is showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX XXXX I received a notice from Flagstar Bank that a vendor they use ( XXXX ) had breached my personal confidential information. The unauthorized data breach took place in XX/XX/XXXX, I was not informed about this event until 3 months later. 

In XX/XX/XXXX- I received another notice from Flagstar Bank that they had breached my confidential data again. There was a " cyber incident involving unauthorized access '' to their network - files containing my personal information were compromised again. 

I am filing a formal complaint against Flagstar Bank, a mortgage company that at one time " bought, owned, and then sold '' my mortgage, through no choice of my own. Flagstar Bank is putting me at risk and not protecting my privacy! I want it on record and this complaint is demanding that Flagstar Bank fix their problems and PROTECT my files/records, confidential, and private information to STOP putting my identity and private information at risk. This financial institution must do better and this must be corrected effective immediately.

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 2022-01-23
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I sent letter to all three Bureau more than a month ago and i have yet to receive a response.

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 2016-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I had a Capital One credit card. I had unexpected medical bills so I called all the credit card companies to see if they work with me in interest rate and lower payments. Capital one agreed to let me pay {$50.00} a month. They never sent a statement after that and drafted the money out of my account every month probable over a year. Then a couple of months there was nothing. The next thing a policeman shows up at my door serving me papers where they had turned it over to XXXX and XXXX. I did n't want to go to court so I set up payments with XXXX and XXXX. I do n't if that is what I owe them. I never received a letter from Capital one saying they were turning my account over. Never received statement from Capital one and never received anything from XXXX and XXXX as proof that I owed the amount they said I owed. I have been paying them for well over a year and now I get a letter saying to mail my payment to XXXX attorney at law. Do I need to request that they send proof of the amount they say I owe. I do not feel like I owe that much and why would attorney turn it over to another attorney. I feel like they are scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 reported to Transunions through XXXX that the balance to our home depot account should be XXXX, paid off, but still open. 
I get a email from XXXX XXXX that my credit score has changed, dropped, i go look at my credit report and my scores decreased by XXXX points. I notice the home depot account is gone completely. I try to call Transunion and no luck as cant get through on the automatic prompts for my reason, then i instant message transunion on XXXX XXXX  and reps told me that the reason it was deleted entirely from my credit score is because i am a authorized user, that i disputed the account. All i did was mention the balance should show XXXX now. The rep, actually twice now today XXXX told me that their system is automatically set up to anytime a authorized user enters a dispute, they call this a dispute, it deletes it all, all of the history to that account. BUT, if it were XXXX that said hey this balance should be XXXX, they would not have deleted the account history from my score, so my credit score is lower now and it is not fair. Transunion told me to call the bank ( XXXX XXXX ) to have the credit history re inserted for myself that it would go back but it will be mid or late XXXX before XXXX XXXX runs a report again. The XXXX XXXX rep told me no when i asked for something from them to document my request and calling them today. They said they have no way to do that as all correspondence is pre typed, nothing for this matter. Just for me to check my credit score in late XXXX. this is not good. XXXX XXXX guy also told me that Transunion needs to be the one to put the info back on my credit report. I asked Transunion on chat again where it has this on their steps or website and everyone has replied saying it is NOT listed, it is not out there and that it is where I am a authorized user they automatically delete it, ( they didnt say they edit the balance or question XXXX or question me ) they just delete it all. This needs back on my credit report asap. I asked where the instructions are for a card user like spouse or other person on a card and they at transunion told me each time that there is no such thing thats just how it is. I asked how i would know this and they at Transunion just keeps saying thats how it is.

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 2019-12-31
Company: BROKER SOLUTIONS, 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 XXXX and /NEW AMERICAN FUNDING pulled my credit twice with out my permission, they pulled it on XX/XX/2019 and then pulled it again on XX/XX/2019 which should have no affect on my credit score, XXXX XXXX and new american funding came back with a false reading they stated my XXXX  was at a XXXX and my XXXX  was at XXXX and my XXXX  came back as a XXXX, which is a big discrepancy, as of XX/XX/2019 XXXX XXXX stated my XXXX  is XXXX and my XXXX  is XXXX and my XXXX  at XXXX. I want XXXX XXXX to remove the hard inquiry on XX/XX/2019, and XX/XX/2019 I Okayed XX/XX/2019 but not the XX/XX/2019, they was to look at my credit report for positive changes. and to be honest when they pulled my credit on XX/XX/2019 it was a big descrepency from what XXXX XXXX was reporting as well, this is not right, this is not just, this is poor lending practices, again XXXX XXXX and new american funding is not reporting credit score correctly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am getting a bill form Alliance One who bought a debt from XXXX that also not my account and I have disputed this account with the credit bureaus and it was deleted. Now Alliance One wants to buy debt and try to come after me and jepordize my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: JPMORGAN CHASE & CO.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Unfortunately, Chase has closed my 4 credit card accounts due to my recent disputes. This has been confirmed to me by the banks ' representative over the phone on a recorded line. Disputing charges is a statutory right under the Fair Credit Billing Act, which is protected by Equal Credit Opportunity Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it contains my requests.

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 2022-01-23
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a venmo account under the id : XXXX back in XXXX ( XX/XX/XXXX ). After not using the account actively for 5 years, in XXXX I got my friend return my money I loaned her through venmo service. 2 days after that the customer service sent a note to me saying I have violated the service agreements and permanently closed my account without giving me any more reasons or details. This is bizarre and very unethical. I have asked them to reconsider my account situation or provide more details multiple times. I have not gotten any response from them at all.

Company response to consumer: Closed with non-monetary relief