BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are a lot of items on my credit that doesnt belong to me. They have names that i have never went by. Also they are the XXXX party collection agency and they dont have the orignal documents. And i feel that these items should be remove off my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Pacific Union Financial, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Lender is forcing a {$4000.00} flood policy which is increasing my payment by over $ XXXX/mo. Problem is ; i already have a flood policy and they acknowledged it. they are still demanding this new, much higher payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several letters not only to all 3 credit bureaus but to the creditor directly as well. TD Bank/Target Credit  {$570.00}. A dispute was mailed out to all XXXX, XXXX and XXXX on XX/XX/22, XX/XX/22 and on XX/XX/22. A dispute letter was also sent to the creditor as well. Upon sending notice and receiving a frivolous investigation from all 3 bureaus and it's creditors information reporting, you will clearly see the the FCRA violations. You will see on the supporting documents that both creditor and the 3 reporting bureaus information do not correspond accurately with each other. The TD Bank USA/Target Credit XXXX XXXX XXXX is completely fraud and I have no knowledge of this account. Per FCRA ss 602 [ 15 U.S.C. ss 1681 ], ss 603, ss 605, ss 607, ss 609 and ss 611 which are all violations of Tittle 15 USC ss 1691 and it's sub sections. I demand that you correspond with the Attorney General of California and Secretary of State about these fraudulent matters as I will also correspond with them myself. I demand that you correspond with all e Credit Bureaus demanding the removal and relief of this fraudulent account from my credit profiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX incorrectly shared/ reported a Bankruptcy attached to my name to the three Credit Bureaus ( Experian , XXXX and XXXX ) I disputed the inaccurate information with the credit bureaus several times. Each time they told me the BK was verified through XXXX XXXX. I contacted XXXX XXXX via phone in XX/XX/XXXX and explained to them my issue. XXXX XXXX started an investigation and after thoroughly investigating they realized the error and removed the BK from my report. In addition, they mailed a letter to me in XX/XX/XXXX. I submitted a dispute to all 3 CBs and attached the letter that is on official company letterhead stating the BK was deleted from my file. All 3 CBs responded to my dispute and said the account was verified. This is inaccurate and they did not investigate with XXXX because it would have shown that this was an error and was not my BK. Under the FCRA, companies must conduct free of charge a reasonable investigation of this dispute. I did not receive this from Experian, XXXX and XXXX. I notified XXXX XXXX on XX/XX/XXXX and they stated they will submit a request to delete this information and the 3 CBs ( XXXX, Experian and XXXX ) have yet to remove this erroneous information from my account.

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 2016-11-03
Company: Core Advisory Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This company is a scam, I knew I should have never trusted them but they talk a good talk and took my money and did nothing. I paid them over {$3200.00} because they had promised me they will be able to save my house. I told them that I was already denied a loan modification but they insist their program is different and they get complaints open with government officials to force my lender to agree to reinstate my loan and restructure the loan to a more affordable term, which was a lie. After that fail even tried to tell me to file for bankruptcy and referred me to some lady name XXXX who advised me to file chapter 13 but could n't because I had filed too many times already so I do not understand why they would take my money and offer to file bankruptcy for me, that is not what they advertise. I almost lost my house because of them. I tried asking them for my money back in XX/XX/2016 and they took more than 4 months just to offer me a refund of {$320.00}??? All they did was file a complaint which I could have done myself, this a complete scam. I do not believe it is worth {$3000.00} to file a complaint to help me secure a loan modification. They are nothing but scam artists and they need to be stopped. According to the FTC MARS rules, it is illegal for them to collect my fees upfront but they claim they do not have to follow that law. I just want my money back since they did nothing they had promised. I refused to accept their offer to just return only {$320.00} out of the {$3200.00} I had paid them not to mention additional out of pocket expense of {$120.00} to use their notary service. So total I paid for help through them is {$3300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, my credit card was used around XXXX XXXX and I reported to Bank of America about the fraud. The amount was {$42.00}. Bank of America refunded the amount at first, then the bank charged me 2 times for taking back the amount, which is {$84.00}. I have called the bank several times to request for help to clear the charges as I did not use my credit card for XXXX  *XXXX XXXX onXX/XX/XXXX. My issues have not resolved.

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 2020-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was open by an unknown person has has stolen my documentations.in 2013 my wallet got missing in a bus.in the missing wallet was my XXXX XXXX, social security card, drivers license, XXXX   id and my bank debit cards.i reported the missing documentations to the police and a police reports was issued.i mailed copy to the bank of America several times.i also followed up with calls but they refused to removed the item from my account.and this is affecting 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
Consumer complaint received 2021-07-25
Company: Experian Information Solutions Inc.
State: AZ
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 have sent numerous request to remove fraudulent inquires and 1 fraudulent collection account i have contacted all companies and all tell me its experian that needs to correct the information i have contacted experian and everything still remains unchanged the collection account with XXXX is a cosign account for a person i never known and at a address i never resided at please correct ASAP thank you XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX/XXXX  Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX/XXXX  General Clothing Store Inquiry date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX XXXX  XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX XXXX XXXX Telephone Service Provider Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/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 2021-07-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was told that I can reach out to you all regarding accounts on my credit that Is not mine. I even saw some student loans on there and I dldnt even graduate from high school. I really need to get a larger home for my family. I'm doing this alone and need your help.These are the accounts I saw XXXX XXXX XXXX US DEP ED, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCC, XXXXXXXX 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 2015-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have come to the conclusion that the credit bureaus are violating my rights under section 1681 and that they have received the following : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. I had previously sent my XXXX and XXXX rounds to the bureaus with no resolution, and round XXXX on XXXX/XXXX/15 and round XXXX on XX/XX/XXXX. I receive the same response each time saying " verified '', and yet section 609 ( c ) states that I am allowed disclosure of the documentation used to " verify '' the accounts. They refuse to provide the documents as well as their method of verification ; the results they send state that I can request such and then they deny this. The accounts I am disputing do NOT belong to me. In addition, there are multiple addresses on my file that do not belong to me ; therefore, I am positive they belong to someone who has used my information in one way or another. I have attempted to contact each creditor and have not resolved with them either. I am going to have to resort to suing the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Experian Information Solutions Inc.
State: OR
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 called XXXX  XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 in regards to using covid debt relief payment option for my card. They agreed and allowed me to skip the payments during those months and not report this to the credit agencies. XXXX failed to follow through with the latter and have been reporting those late or missed payments to the credit bureaus even after calling and talking to them multiple times.

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 2016-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX 2016 : XXXX XXXX XXXX XXXX XXXX ( creditor- XXXX XXXX ) {$450.00} account removed by Transunion ; still being reported on XXXX . I have disputed with XXXX and they have not removed. It is also showing on XXXX still. 

XXXX XXXX 2016 : XXXX XXXX XXXX ( credior- XXXX ) {$91.00} : removed by Transunion : XXXX has not cooperated in deleting, and is still reporting. Still showing on XXXX. 

XXXX XXXX 2016 : XXXX XXXX XXXX ( creditor- XXXX ) {$360.00} removed by Transunion , XXXX has not cooperated in deleting and is still reporting. Still also showing on XXXX. 

XXXX XXXX 2016 : XXXX XXXX XXXX XXXX ( creditor XXXX ) {$540.00} removed by XXXX Transunion is still reporting, although I disputed with them. Also showing on 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 2021-07-24
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
on XX/XX/21 my email was hacked temporally. I had a Coinbase Account associated with the email. I was able to get control of my email address within a few hours. They never hacked the coinbase account. It was secured through XXXX. I emailed Coinbase customer support to inform them of the security problem. My plan was to switch the email to a more secure email address for the account. They emailed me back and elected to lock the account down. Since that time - now 5 weeks ago. They have not allowed me access to the account. There is money stored on their platform as cryptocurrency. I have no access to the account. They have sent emails stating they have turned the case over to a specialist but have not emailed me anything further. I have filed a separate Coinbase complaint ticket. They said they would respond within 15 business days. It has been 5 days now but I have read they do not respond to these emails and I want to be proactive. Someone needs to investigate Coinbase for fraud. The internet is littered with thousands of similar stories of customers being locked out of their accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Had a tax lien put on credit report from a past tax bill die from a death in the family. Paid bill in full when found out bill was due. This reflects mine and my husbands credit score. 
Tax lien was from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX {$550.00}. Paid in full

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage employees XXXX XXXX, XXXX XXXX deliberately delayed processing of my refinance loan. XXXX XXXX 's supervisor was copied on some of the e-mails but failed to intervene. XXXX XXXX and XXXX XXXX would not return my calls, or answer questions. They failed to put information I sent them in my file. They said they were my primary point of contact. My file was shifted to about three other processors who requested same information I had already sent XXXX and XXXX. Application process started on XX/XX/2021, and did not close and fund until XX/XX/XXXX, XXXX was locked into this transaction and not allowed to take advantage of historically low interest rates on other financial matters. I could not use credit cards or engage in other financial matters. Took about 90 days to close. No home appraisal or inspection was needed. I was already and existing XXXX/Freedom Mortgage customer. I only wanted to refinance my existing principal balance. I sent documents to them promptly when requested. Closing date changed 3 times, my payoff letter expired, substantial incresases in closing costs, my rate lock expired and had to be extended.

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 2015-11-02
Company: Reverse Mortgage Solutions, Inc.
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
the reverse mortgage lender ( reverse mortgage solutions inc ) provides a procedure for the struggling homeowners to short-sale their property. ( short-sale letter exh XXXX ) stating that " Once the process begins, an associate will review your application and contact you within 5 business days to discuss next steps. '' FHA 's parent agency, the U.S. Department of Housing and Urban Development, also has guidelines for lenders handling short sales. we have submitted a complete short-sale package both by fax and email on XXXX XXXX, 2015 ( see exh XXXX ) only to be told that the package was lost by the lender. 
we have resubmitted that package on XXXX XXXX, 2015 ( see exh XXXX ) of which the receipt was acknowledged by the lender. 

despite the clear short-sale guidelines by the lender and XXXX XXXX Department of Housing and Urban Development the lender is not responding to short-sale requests and seems to be purposely dragging the process unnecessarily and causing the home-owner, who is a XXXX citizen, additional financial and emotional hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: PA
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:
Below are listed the hard inquiries listed not once but more then once. I have rights and to my fair credit reporting act they Need to show me proof as to where I signed an have copy of my license to prove it was me to run my credit. They not only did it once they have ran my credit multiple times at different months. I am not happy an tried my best to fix issue on my own but I need help. I want proof I allowed these companys to run my credit. My rights are being violated. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This 3rd party collection reporting company AMSHER COLLECTION SERVICES INC will not Delete this account from my credit report after its paid in full. Under Fair Credit Reporting Act Law, Section 609 through 617 I have the rights to have this account Deleted permanently from my records once paid in full. Ive sent them letters stating I would pay along as they would agree to Delete from my report and the still refused and stated there is nothing I can do about it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to update this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$3800.00}

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 non-monetary relief
Consumer complaint received 2021-07-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a account with Synchrony Car Care for a gas card, I had stop using their card for about a month and they closed the account and it affected my credit score and claims that I owe them money I had sent them a debt validation letter and they did not respond after 30 days. By law since they did not reply this item must be removed from my credit report. Attached is the proof of the certified mail sent to them, the first request of debt validation sent and affidavit of truth that was sent on XX/XX/2021 listing violation made by Synchrony Car Care. Please have this removed 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