BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: AL
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 am distressed that you 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint mortgage has not complied with their agreement of assumption making it difficult for me to pay the mortgage to the account in which I assumed. 

They still have the account opened in my ex husbands name after the assumption was granted and an account in my name as well. ( please see document dated XX/XX/XXXX. ) I had to endure ongoing fax, email and calls, showing them documents from my bank stating only one mortgage payment was returned to my bank ; however, they placed account in delinquency. ( XX/XX/XXXX letter, outline my efforts ). 
I requested the online account access information be in my name only, which I was told the IT department will correct. Account not updated as of this date. 

I obtained an email last week to notify ex husband the mortgage is due. 
I am being harassed by ex husband because this information is still on his credit report. 

.They caused me financial hardship by taking two mortgage payments in the month of XXXX ; hence they have and still continue not to close the account in my ex-husband name. 


They failed to file the new deed in my name only with the City of XXXX deed department. They failed to send me a copy of the assumption paperwork after I requested on several occassions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
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: Personal information incorrect

Complaint:
I have a some addresses on my report that are not mine. 
My name is XXXX XXXX XXXX please remove any other variation. 
My company is XXXX XXXX ( XXXX XXXX ) My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE/REMOVE ALL OTHERS ADDRESSES XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: TN
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:
I am a natural person..I am a living human being.. I have rights under the FCRA, 15 USC 1681. 

Equifax is governed by the 15 USC 1681, and they have violated my consumer rights numerous of times..Not long ago they were giving out fake credit scores, and its been hurting me, it's been hurting my payments, my credit utilization, i have high interest rates because of it and much more.. I demand these accounts listed below to be completely removed from my credit report.. 

According to 15 U.S.C. 1681b, section 604 2 ( a ) of the FCRA, it says a consumer reporting agency may furnish a consumer report with the written instructions of the consumer. I, the consumer, have not given Equifax or any other agency any written consent or instructions, nor have i signed my signature on anything to furnish my consumer report. 

According to 15 U.S.C. 1681 ( a ) ( 3 ) of the FCRA, it says Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

According to 15 U.S.C. 1681 ( a ) ( 4 ) of the FCRA, it says there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

As a consumer, according to the FCRA, my rights have been violated and i've been taken advantage of..The law is the law. We must abide or face severe consequences..Please delete the accounts below from my credit report. 

XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX- Act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Call them. Email them. Fax them .file motions .in the XXXX county probate court.. Ask for the ownership papers. Like deed of trust or testimony will, beneficiary contract too the ownership lf the company .i need this information so i can no how too go foward on what i need too do .and not too do .i ask them for also public accounting too what they are doing with my money. Cpa .it my right to this information. I also alert the attorney on the estate to this request XXXX XXXX, served him by the probate court, XXXX XXXX. Staff .. bank of america is own by me. And all attached too it .they are refuse too give me information. The trustee are important too this company but i am the owner .in XX/XX/2009 address XXXX XXXX XXXX XXXX ga XXXX was under bank of america and XXXX XXXX as owner.

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 2022-07-20
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I sent my money ( {$2300.00} ) from my Venmo account to my friends Venmo after being told it was okay to do so. After I sent money to my friend account the following day the funds were returned to my account. Then my account became frozen with funds stuck into my account and I was told I cant get money out my account for 180 days because the Venmo account specialist said that was a violation of user agreement. I constantly contacted Venmo letting them know I need money to pay my bills and that I believe my account was frozen incorrectly because I was told that it was okay for me to send money to my friend. Company is vague with responses and told me that my account is closed and Ill have to wait until XXXX to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/2021 ; GA XXXX XXXX XXXX XXXX : {$0.00}.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: AL
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 am distressed that you 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: U.S. BANCORP
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I been thoroughly off and on, on this web site to clear, Fix, and dont do this again. 
And Still too my surprise, AGAIN!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 in letters to credit bureaus about fraud on my reports and only get back they verified it. i asked for proof of verifications along with my signatures which have never been provided to me. It is ruining my life and name and just want it resolved. I have filed a police report also with XXXX VIRGINIA POLICE DEPARTMENT REPORT NUMBER : 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 2017-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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/17 I submitted a dispute to transunion regarding tax leins that are still being reported on my credit report, they have refused to remove these leins from my report. It is my understanding that as of XXXX XXXX 2017 these items can no longer be reported by credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, 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 XXXXXXXX Account XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I am the co-signer on a Synchrony Care Car credit card. On XX/XX/2018, I called Synchrony Bank about a lot of late payments that have been reported inaccurately to the credit reporting agencies. This has been a consistent problem for me and the person that I co-signed for. The person that I co-signed for, has on numerous occasions, had to call the bank to have the discrepancies fixed. The bank even issued a letter the primary person, which apologized for the errors. However, the bank continues to make the errors and now refuses to fix the errors on my credit report or stop making late payments appear on the other persons credit report as well. I have tried to call to resolve the issues, but I am given a blanket statement that there's nothing I can do without the other persons bank account information! They can't look it up in the system to see that this is a continuing problem and I have spoken to representatives on a few occasions, including supervisors who can not fix the issue.

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 2020-12-05
Company: Experian Information Solutions Inc.
State: NM
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:
Experian did a major violation of my rights under the FCRA by changing and/or illegally updating the date of status and date of first reported on XXXX XXXX XXXX XXXX  XXXX XXXX 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 2017-12-16
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
On XXXX XXXX as of XX/XX/17 there is an address linked to my credit which I have never resided at. XXXX XXXX XXXX XXXX XXXX texas XXXX. I would like it removed from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Home Depot Citi Bank They are not helping about Coronavirus. Not able to make my XXXX payment due to unemployment. They will still charge late fee.

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 2016-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I have been a Bank of America customer for over a decade, and my wife has been XXXX for longer than that. I was pre-approved for a mortgage by XXXX at Bank of America in XX/XX/XXXX of this year. I was very up front about my income XXXX salary, bonus, cash, stock, etc. ) which did not change through the underwriting process. Over XXXX weeks with very limited communication from underwriting, XXXX assured me that I did not need to apply with another bank ( where I had been preapproved as well XXXX and that this was going to work out. The only reason I applied with Bank of America was the competitive rate and your assurances that the loan would close. 

In an email from XX/XX/XXXX, XXXX told me that she checked on Bank of America 's treatment of my bonus income and " we should be fine. '' When I called her to follow-up, she told me that she had spoken with the loan processor and even though the bonus was down in the most recent year, the underwriters would take an average of the last XXXX years and we would be fine. 

In actuality, she informed me on XX/XX/XXXX nearly a month later and just 10 days before close that the underwriter would not use an average and would actually not give me credit for any bonus at all even though I was preapproved, none of my information changed, and we had talked about the declining bonus specifically and she told me it would be OK. She also told me in the XX/XX/XXXX email that I had to pay off my car loan, which I did on her advice, but it was not necessary because Bank of America never made the mortgage loan. In the end, I nearly lost the house, and incured thousands of dollars in extra closing costs. 

Adding insult to injury, Bank of America charged me {$870.00} in fees on XX/XX/XXXX, which I do not believe is fair, as I would have never applied with Bank of America if I had not been preapproved by XX/XX/XXXX and assured along the way by her that Bank of America would be able to close my loan. 

I ca n't tell you how frustrated I am by this, not because I was not approved, but because I provided everything up front, was told it would work. I had other options, but I went with Bank of America as a customer given the preapproval and repeated assurances that things would work out. I almost lost the house and was charged fees by Bank of America for this disservice. 

I am asking that Bank of America reimburse the {$870.00} in fees I was charged, as I would not have applied with the bank if I was not preapproved and assured it would close. I asked XXXX by email to reverse the fees, but she told me that was not Bank of America 's policy. I emailed her XXXX XXXX twice to review the situation but never even received any 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 monetary relief
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In my previous dispute against TRANSUNION, they responded that the collections, charge-offs, and late payments were all verified as accurate. I would like to know what method of investigation was used to verify the accuracy and validity of the disputed accounts? 

According to 15 USC 1681b section 1 & 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. Was a court order issued or was my written permission given to furnish these fraudulent accounts? 

This is aggravated identity theft and defamation of character. I have not been able to qualify for a loan for my house because of these unfair and inaccurate practices. I will reattach the previous dispute letters and affidavits so that you can use them as a guide as to which account/inquiries should be removed and DO NOT add a fraud alert. My next step is civil court.

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 2018-01-13
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wrote letter on XXXX to CAINE & WEINER that  negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify  me by mail before placing negative items on my credit report. Advised CAINE & WEINER to removed incorrect information off my credit report. More importantly, CAINE & WEINER are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from CAINE & WEINER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have not bee late on this account there was not full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of this year showing I was late and that have NEVER been provided. 

XXXX XXXX Account # XXXX Please correct payment history as it not reporting correctly.

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