BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was a customer with First Horizon Bank. I had XXXX funds in the amount of {$15000.00} that were deposited into my account XX/XX/XXXX, my account was placed on hold, {$15000.00} of those funds were then withdrawn internally the same day. I was asked to provide tax returns to show my business was mine and I did that. Was told there was no exact time frame on when I would here anything or the hold would be lifted from my account. After hearing nothing for a month, I called the bank only to find out that the remaining {$800.00} of the funds had been transferred from my account as well. I was told that all funds had been returned to the XXXX on XXXXOn XX/XX/XXXX, I received communication from XXXX because I had been working with them to have my funds re-issued to a new account. The agent stated that they had never received the funds and to request a letter from the bank stating that the funds were sent back. Called the bank the same day and they were very rude and then told me that my money had been transferred to their corporate security and never sent back to the XXXX and I would have to wait until the branch manager returns from vacation to get an update, mind you anytime I would call or go up there she was never there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I currently have a Capital One credit card with a {$700.00} limit. This is one of my oldest cards and I have NEVER been late. The account is very much still open and being used. It has been removed from all 3 of my credit reports. I've called Capital One and all 3 bureaus and both keep passing the issue back and forth. This has caused a decrease in my credit scores and I am in the process of purchasing a home. I can't have these types of errors right now. PLEASE HELP! SOMEBODY, ANYBODY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Franklin American Home Loans did provide me with a loan ownership transfer notice nor did the new servicer, Citizens One Home Loans. I found out about this today when I went to make my mortgage payment and was unable to access my account. I then wait 1 hour and 23 minutes on hold while calling Citizens to obtain my new account information. Extremely poor service from both lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 60 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 60 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the XXXX data breach and may have found its way 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 non-monetary relief
Consumer complaint received 2021-12-28
Company: Eastpoint Recovery Group, Inc
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
First, Received calls from debt collector for the amount of : {$2000.00} from a XXXX  account in my name. So, I know I have not used XXXX in like many years and then I was under the name XXXX XXXX. So my Credit report shows on XX/XX/2020 a transaction with XXXX XXXX  XXXX. On the other part report date XX/XX/2020 an address associated my current name XXXX XXXX as : XXXX XXXX  XXXX XXXX, XXXX, XXXX. I have never been to Georgia let alone live there let alone during the hight of the pandemic! I was home here in XXXX XXXX XXXX I tried to get the address off of my credit report. I tried calling XXXX to figure out how to get into my old account and they said I have no account? Even in that old account I would have been XXXX XXXX with a very old Credit card I no longer have. I am debt free. My credit report is very clean and I have a very high credit score. Please help me get rid of these people. How in the world did they associate a XXXX XXXX from XXXX, XXXXXXXX with me here in XXXX. I only ever lived here and even ran a business etc. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: TX
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 ad 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 the 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 2020-10-09
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/XXXX, I accessed my Equifax credit report. In the section for Inquiries '' there is an inquiry placed by XXXX XXXX XXXX XXXX dated XX/XX/XXXX and annotated as XXXX -- an inquiry placed for a pre-authorized offer of credit. 

First of all, XXXX XXXX XXXX XXXX has never sent me notice of any pre-approved offers of credit. 

Secondly, I am not a member of XXXX XXXX XXXX XXXX. I cancelled my XXXX membership approximately two years ago and closed all of my accounts. 

XXXX XXXX XXXX XXXX had no permissible purpose whatsoever under the Fair Credit Reporting Act to access my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 60 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 60 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the XXXX data breach and may have found its way 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 non-monetary relief
Consumer complaint received 2016-04-14
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home is in foreclosure, and despite the fact that in XXXX, Caliber/XXXX Master Permanent Trust informed me that they were the new creditor/assignee of my mortgage, there is no recording in land records as to this day to support this, and further, XXXX, the supposedly " former '' loan holder still continues to be listed as the plaintiff in the Sheriff 's sale. I suspect that Caliber may be deliberately not recording recent changes in mortgage assignments to further enrich themselves, ( by avoiding paying the real estate recording fees ) and at the same time to shield themselves from legal action, as technically, XXXX is still the plaintiff. I feel that XXXX and Caliber are in colusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Commonwealth Financial Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account was already disputed and removed from my report at an earlier date. It was a mistake from the insurance company and the medical provider would not correct or remove the debt. It was sent to a collection agency and they removed the debt. It seems as if it was sold to a different collection agency and put back on. I was never contacted about this once. Nothing in the mail, no phone calls, nothing. And now my credit report has been reduced by XXXX points and Ive worked so hard to get it there. This medical debt is at least XXXX years old and was dealt with years ago. Ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions 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:
under 15 us code 1618B Permissible purpose of consumer reports. ( a ) any consumer reporting agency may furnish a consumer report under the following and no other ; In accordance with the written instructions of the consumer to whom it relate. I XXXX XXXX did not give Experian any written consent to report to anything on my consumer report. NO CONSENT IS IDENTITY THEFT. PLEASE REMOVE THESE ITEMS 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 2017-03-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Yesterday I applied for a home loan but was turned down because of XXXX negative entries on my Experian credit report. And I have not been able to get my FREE annual copy of my Experian credit report either.

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 2015-08-18
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
We have been dealing with SunTrust Bank since we came to the US.We must admit we were getting excellant personalised service since 2013.In all we had two chek in accounts, two savings accounts & two secured credit card accounts.We had closed Saving Bank accounts since we did not find any specific benefit of having these .We have been maintaining the accounts in the best possible manner i.e maintaining desired balance, not overdrawing, paying in time & thus have been maintaining strict financial discipline from day one till date.We also have a safe deposit locker. 

Few days back we received two letters fom the bank asking us to close all the accounts without telling us the account number or the reason of this uncalled action.We talked to Consumer affairs section of the bank to inquire the reason .We were told it is a business decision. 
We feel this uncalled action of bank is illegal & will cause undue inconvenience to us, a XXXX couple.We are living very cl ; ose to the branch & this action of bank without any reason or rhyme appears to us as an infringement of our basic as well as banking rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: CITIBANK, N.A.
State: OR
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:
Purchased {$23.00} item online, month later it never showed up, so I went back to original purchase site and called the number that said it was XXXX. 
I spoke to a female who connected me to another person who was in the fraud department. 
Found out later that was the scammers the whole time he claimed he was reversing the charges. It never happened he was using me to purchase more XXXX XXXX gift cards with my credit card. 
It totalled 8,000+ in charges. 
I finally got thru to the real XXXX and they reversed the {$23.00} dollar charge, they said I need to speak to citi bank for the rest. 
I called citi Bank they did an investigation and determined I was liable, they suggested I call XXXX XXXX for help getting this reversed on there end They have an investigation open for a week now but will not respond to any of my inquiries for an update. 
I've sat on hold multiple times for up to 40 mins only to get hung up on..

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 2016-10-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
For Experian I have several XXXX Inquiries ( XXXX ) that were reported and listed on my credit report - impacting my Experian credit score. All these inquires are NOT associated with any loans/credit cards/accounts that are active on my credit report and I issued a certified letter to Experian with a copy of the letters that were also sent out to the companies for verification ; the date of Experian 's signature of retrieval is XX/XX/2016. According to the FCRA, investigation has an allotted time of 30 days from the date of retrieval, which is XX/XX/2016 As of today, XX/XX/2016, I have received nothing from Experian stating anything about the investigation of these inquires. In my letter, I have kindly asked that Experian remove these inquires from my credit report since these inquires reflect negative information without representing any active accounts with my current credit. I would like for Experian to remove the following. ( Please see attached spreadsheet ).

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 2021-12-28
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I requested Equifax to remove addresses that did not belong to me over 2 months ago and they still haven't done anything and it's effecting with my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage for our property located on XXXX XXXX XXXX in XXXX XXXX CA. with M & T Bank. I send mortgage payments from XXXX XXXX XXXX online payments regularly. The M & T Bank is asking for late chargers, even though XXXX XXXX XXXX processed ( delivered ) payment on XXXX XXXX, 2016. 
Please see attached report from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Overtime they have continually reported my credit inaccurately ( reporting I owed money that had already been paid, multiple listing on my credit report, etc. ) I have been able to get a lot of it removed. I have been trying to get them to accurately report my charge off as settled, but have been unable to get in contact with them. I have tried to contact the number listed on my credit report and they told me to call XXXX XXXX XXXX to get it taken off. I called the number and got a weird dial tone and then a disconnect. I also contacted AES, the servicer of the loan and they claimed they were unable to remove the information. They also claimed that they had tried to get a response from National Collegiate Trust, but were unable to achieve XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Without my consent, my student loan servicer ( AES ) has added in federal loans to this balance, driving up interest capitalization. These federal loans should have been consolidated with my other federal loans but now these are not eligible. I gave no consent to add these loans in with my private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am distressed that Experian have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
How did you verify the date last active? Also how did you verify the date of last payment? May I know your investigation resources? This misleading information has reporting on my credit profile for over a year. The last payment for this account was XX/XX/2018, therefore the date you have reported for date of last payment & date last active in inaccurate. The following information therefore needs to be re-investigated and removed from my credit profile for immediately Account : XXXX XXXX XXXX XXXX I respectfully request proof of your investigation. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 

In this complaint accompanies a copy of my Experian credit report showing proof of the inaccuracies reporting on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Home American Mortgage Corp
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are building a home with XXXX XXXXXXXX XXXX. They offered a promotion on the house if we used their loan officer at Home American Mortgage. We signed our papers for the loan months ago and paid our deposit. We thought that our rate was locked in the day we signed. This week when the rates increased we were told that our rate increased over 2 points. The loan officer did not contact a head of time and did not return our phone calls. With this increase we can not afford our house.

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 2020-06-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've been having issues with someone using my information to try and obtain 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