BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 disputed a debt appearing on my TransUnion report in the amount of {$1200.00}. As of today, no action has been taken. The dispute process has not been completed, and it was initiated on XX/XX/2021 with the estimated completion date as XX/XX/2021. I have now waited almost a week extra beyond the anticipated completion date with no results. This is making it where I can not file additional disputes regarding other inaccurate information reported for which I have gathered appropriate documentation to dispute.

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 2022-08-04
Company: BSI Financial Holdings, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
So back in XXXX I did a refinance mortgage fha with a company XXXX XXXX. The loan was bought by freedom and paid to freedom starting XX/XX/XXXX. As I was paying freedom I received XXXX mails and calls from XXXX saying their was a compliance issue and they need me to do another refinance left v mails they would make it fruitful and emails I have all. I called freedom they said nothing was wrong XXXX my mortgage. I continue to pay and XX/XX/XXXX I called freedom to make payment they said the loan was sent back to original loan officer at XXXX and should I have gotten a letter or call. Which I didnt. Then XXXX XXXXXXXX XXXX called me to meet. I met with him a another loan XXXX XXXX cabals. My husband and another attorney XXXX XXXX they proceeded to tell us their was a compliance issue XXXX original refinance and we needed to do another one and they would make it beneficial to me. I refused and contacted the fbi and got a attorney. The company attorney for them was XXXX and he kept calling me to tell me they will give me XXXX months free. I said call my XXXX. Me and my son XXXX XXXX met with the fbi in XXXX. Gave them flash drive all documents. Im XXXX office in ny. I have never received anything from this company. I have been paying my own home owners and taxes I have all proof. Now I have a attorney XXXX XXXX PC XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX phone XXXX. I retained him XXXX his been working on my mortgage fraud case since. Now we have a company reporting on our credit report BSI financials XXXX XXXX XXXX XXXX XXXX PA XXXX. Phone XXXX. XXXX they own my loan which they couldnt. Cause Im In Supreme Court with XXXX contact my attorney. They keep changing things saying amounts are ridiculous and Im In foreclosure which im not and then sat delinquent status missed payments from XX/XX/XXXX. I have never received paperwork or anything in mail at all this company then changes says deed in leu. Then says bank liquidation. I have police reports on them I submitted to credit bureaus also This company puts conventional loan which is not. Both company are in violation of nys mortgage laws and also fha violations and consumer mortgage violations. XXXX also made the mistake and recorded XXXX different things on my deed. They also stole XXXX from me. I paid to have my husband added on deed At original refinance. They took advantage of me during this whole Process of mortgage fraud. Im fighting them in Supreme Court. I would Like XXXX XXXX off my experian report. As I have XXXX Police reports not from any state troopers They are the only Ones that are refusing to take off and this is violating the police report and my credit rights. I also had a report with CFPB back in XXXX with a XXXX. Who didnt ever get back to me just dropped off the report was against XXXX XXXX XXXX XXXX can look up. My name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: IN
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:
This is my third time filing a complaint about this credit reporting agency and no one has taken any action to correct the violations that have occurred. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should NOT be included on a consumer report. However my Experian consumer report is currently showing 25 accounts in the account summary section where I have received an authorization or approval of an extension of credit. Federal law prohibits Experian from including these extensions of credit on my consumer report. Those in positions of authority at Experian have failed to comply with the FCRA and as a result Experian is in violation of federal law. Experian has no control or authority of natural persons and their consumer reports. Pursuant to 15 USC 1681 ( a ) ( 2 ) Congress has made it clear that credit reporting agencies are elaborate mechanisms. Pursuant to 15 USC 1681 ( a ) ( 3 ) Experian was not given the role of compiling and reporting information on consumers they assumed that role and their assumption has negatively affected my life by violating my right to privacy. Experian has a grave responsibility to respect my right to privacy as a consumer pursuant to 15 USC 1681 ( a ) ( 4 ). I am demanding that Experian delete all 25 accounts where I have received an authorization or approval of an extension of credit.

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 2022-08-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX, I opened a Checking Account with Citi Bank to avail of their promo that would earn me XXXX miles as long as I fulfill all the required activites and maintain my minimum balance in 90 days. I had a list and made sure to fulfill all the requirements. When I made a follow up on the miles I earned, I was told that there was a mistake on how I used my account to make the bill payments that was part of the required activities. They said it was not how I was supposed to do it. I feel like these promos are put in place to lure consumers into opening an account with them only to be disqualifies later on based on these technicalities. I did my homework and made sure I did every single thing on the list. Now I need them to hold their end pf the bargain and award me the miles I was promised. I work hard for the money I entrusted them and I deserve those miles that I earned.

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 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Transunion computer glitch that added inquires that originally was deleted. Transunion later added them all back on without giving me required 5 day written notice prior to re-adding them. this has been a violation of my consumer rights.

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 2022-01-26
Company: DISCOVER BANK
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To whom it may concern, I am writing to dispute a fraudulent item listed on my credit report. Upon reviewing my credit report to start the process of buying a home with my fianc, I was appalled to learn that an account from Discover Financial Services had been opened in the name of my burgeoning credit history that I did not authorize. I am getting married in XXXX of this year, and I am being penalized for a higher debt-to-income ratio for having this fraudulent item on my credit report. 

This discrepancy is impeding our progress of fulfilling our dreams to buy our first home. 
After reviewing the account, it appears that payments have been made consistently to pay off the balances accrued. However, any payment methods that have been used to pay these balances are not affiliated with my bank account nor institution. In addition, there is a phone number listed on my credit report that does not match my cell phone number with which I conduct business. 

I am requesting that the following item be removed from my credit history to correct the information as the fraudulent charge was not made in good will nor with my authorization and knowledge. The fraudulent item can be found below : Item 1 Account Name DISCOVER FINANCIAL SERVICES Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$2800.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$83.00} Credit Limit {$5500.00} Highest Balance {$2900.00} Terms NA Please investigate this matter and remove the disputed item as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06
Company: AES/PHEAA
State: NJ
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:
This complaint is in regards to Fed Loan Servicing. I currently have 21 different accounts reporting on my credit report for all three bureaus. The accounts are listed a late payment in XX/XX/XXXX and XX/XX/XXXX. The loan payment was not late, but in deferment during this time. I have contacted Fed loan to request that they update my credit reporting on several occasions. Once in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I have asked them to update my credit report to show that I was in forebearance during this time. Please see below : Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. This is adversely affected my credit as there was no payment due during XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: OH
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'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Bread Financial Holdings, Inc.
State: UT
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:
Comenity Bank failed to disclose that by applying for a line of credit with them they can pull other credit reporting agencies without disclosing a list of possible credit reporting agencies they will use. The CFPB has over 100 or more documented credit reporting agencies for 2017. As a consumer I was only aware of Comenity Bank pulling one of the three major credit reporting agencies to obtain a line of credit with them. However, they failed to disclose that they can access any of the 100s of Credit Reporting agencies available to them without disclosing this information to me as a consumer. I requested that they use my XXXX hard pull or remove it but they instead sent me a letter stating they tried to also pull my XXXX report which I have frozen with a security pin due to identity theft that recently happened to me. I requested they could access my XXXX with my security pin or remove the XXXX Hard pull due to failing to provide that they can pull any of the 100 available credit reporting agencies that are listed from the CFPB. Which to me is dishonest and doing business in bad faith. Why? Because a consumer is not aware of the fact that multiple inquires from up to 100 credit reporting agencies is accessible to Comenity bank to make a decision simply for a store card seems to be illegal in my opinion. How can Comenity Bank do this? Run multiple inquires, fail to list the credit reporting agencies they use since there are 100s of Credit reporting agencies based upon the CFPB lastest updates? How is this legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
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 tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.

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 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.

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 2017-07-20
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: Credit inquiries on your report that you don't recognize

Complaint:
There are re-added hard credit inquiries on my TransUnion account that were previously deleted and added back again to my account again. I 'm requesting that these be permanently deleted per my legal rights have been adversely affected. I will be following up in 30 days.

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 2020-01-06
Company: Experian Information Solutions Inc.
State: NC
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:
Information remains on my consumer report despite filling the necessary documents to have all 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
Consumer complaint received 2022-06-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # # # # # # # XXXX, XXXX XXXX XXXX XXXX Account Number # # # # # XXXX, XXXX XXXX XXXX  XXXX Account Number # # # # # # XXXXXXXX XXXX XXXX XXXX  Account Number XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX, XXXXXXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, Account Number, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX  Account Number 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 an 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 2022-06-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # # # # # # # XXXX, XXXX XXXX XXXX XXXX Account Number # # # # # XXXX, XXXX XXXX XXXX XXXXXXXX Account Number # # # # # # XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXXXXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, Account Number, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number 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 an 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 2022-01-26
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I financed this vehicle I believe in XXXX and on the report it shows that I refinanced this in XXXX. Also, I voluntarily gave up the vehicle to them because I became ill with XXXX and could not keep up with the payments and it states that it was involuntary repossession. I know they sold the vehicle and it says on my credit report the wrong balance. It should be lower than what it is. Its still reporting higher than it should be. Also, Ive been trying to get this removed from my credit for false Information because its holding me back from purchasing my home. Ive gotten it removed from XXXX, but the others will not remove it. I got a letter from them years ago, but it was from the law firm theyve sent it to requesting the money. Ive sent them my information and hospital information to show proof that I was sick at the time. I have not received anything else from them about this vehicle or a settlement or anything. Thank you for taking out the time to read my complaint.

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 2022-01-26
Company: EQUIFAX, INC.
State: DE
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 ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I sent my payment in to Navient which was received on XXXX XXXX, 2017. I sent a letter with the payment, as I do every month, and specified which four loans were to be paid with the payment and stated that under no circumstances was any amount to be applied to any other loans. Instead, Navient applied the payment to five loans which are in default. This is in clear violation of my instructions and is also a blatant attempt to restart the clock on the statute of limitations for the five defaulted loans. This is illegal and fraudulent.

Company response to consumer: Closed with explanation