BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-21
Company: EQUIFAX, INC.
State: MD
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:
Several months ago, I suppressed my information with XXXX from sharing my information with any credit reporting agency or anyone. I had my information suppressed through both XXXX and their sub-company XXXX. In XX/XX/XXXX, I spoke with a representative that verified that my information and the law prohibits them from sharing any information up to and including public records. I have also disputed negative information being reported on my credit report with Equifax, XXXX, XXXX and XXXX and neither company will correct the information. The most recent response I receive via email from Equifax on XX/XX/XXXX was the information they are reporting is accurate and that it was verified through XXXX. Now I wonder how that could be possible when per XXXX all my information with them is suppressed and frozen and they are forbidden by law to report any information pertaining to any aspect of my person, however Equifax, XXXX, and XXXX on every occasion of dispute has verified that their information they receive is accurate and it was provided to them by XXXX. I information should have always been suppressed/frozen with XXXX from several years ago, when I became a victim of from around XX/XX/XXXX, however per a representative from XXXX unfortunately the suppression was compromise and it was being reported. Suppression numbers for XXXX XXXX & XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX per Equifax, XXXX and XXXX is in violation of privacy law, practices, information, policies and procedures. These above-named companies have caused me great stress duress and financial losses due to their blatant disrespect for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We took out a loan with XXXX and it was sold to GreenTree Servicing last summer. While dealing with XXXX, we never had any problem with our monthly loan payments being received and credited correctly to our XXXX accounts we had with them. When GreenTree took the XXXX loans over beginning XXXX XXXX, 2014 we began to have problems. 

XXXX of the XXXX checks sent in XXXX envelope for the XXXX payment was lost ( the other XXXX was cashed ), and numerous times both payment were posted to XXXX loan even though each check had the correct loan number written on it. We have sent in payments each month for the correct amount, but they are saying that we owe them approximately {$1200.00} on each account. 

We have repeatedly talked with their servicing agents, but they continue to say we owe these large amounts. We have even received information from them recently regarding loan defaults. We have been unable to get this straightened out with them and very much need some XXXX party help. 

The original PITI on each loan was approximately {$480.00}. My calculations for PITI monthly is {$460.00}. Their current billing is for about {$610.00}. My number is based on actual principal, interest, taxes and insurance. 

Their agents call us frequently wanting additional payments at odd amounts. 

We would like very much to talk with someone from the CFPB to help us get this straightened out. We can supply an actual payment history ( from our bank account ), as GreenTree 's numbers bear no resemblance to the actual payment schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I moved recently to my new house and was trying to transfer my previous apartment on a sub-lease. I posted vacant apartment advertisement on wXXXX email XXXX phone XXXX. 
I received XXXX offers for rentals, first one by a man from XXXX who was moving to Washington DC, in chain of emails he sent me a check from his company, which never arrived and later on contact I never heard from him back. 
Few days later another man with name XXXX XXXX XXXX Phone XXXX, email XXXX XXXX emailed me a check of first months rent and deposit amount total {$XXXX}. Instead of this amount he sent me {XXXX} check XXXX. XXXX, which I deposited in my account, and following day it went through, and amount came in account. He then asked me to return his extra amount as his company included his moving expenses in the final check. In a written e mail he provided me Bank of America account with routing number for the transfer. Which I did following day. 
Today XXXX/XXXX/2021 when checked my account I saw an over-draft fee on my account by the Bank, that meant that the check that he had sent me via email bounced back, it did not go through while the amount I transferred to the account he provided, it went through. ( See attached print out of the email with account information. 
I spoke with Bank of America and reported a financial fraud and scam. Bank of America gave me fraud claim tracking number XXXX. 
In this scam I am victim of financial fraud and I have suffered losses of {XXXX}. 
I want this case to be investigated. 
I also want to report the other person who was trying to use similar methods of fraud from XXXX. I am providing his emails that shows people like them are out doing frauds with innocent people like me. Their modes operandi is same. 

Applicant

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 2020-01-13
Company: CL Holdings LLC
State: MD
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 file a dispute with XXXX about this company reporting information that is bogus. JEFFERSON CAPITAL SYST Account XXXX is in my credit report I dont know who they are and I don't owe them anything. They claim on my report XXXX XXXX XXXX is the Original Creditor. XXXX never notify me that they sold my account to anyone and they closed my account as a charge off. If they sold my account this should be remove from credit report. Jefferson is in violation od the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: NY
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 Account # XXXX XXXXl XXXX, Account # XXXX, Account # XXXX, account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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:
The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.

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 2019-10-21
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hi i dont know who is the creditor and i have this account on my profile show a balance of XXXX , ,i would like to request a validation from a third party collection agency .. i need proof of either own or were assigned the debt from the creditor. and i need a copy of original contract with my signature! please if would like to respond to : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: DISCOVER BANK
State: AL
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 an account reporting on my credit report from Discover Bank that I did not apply for. In fact, I was not even in the country when this account was supposedly applied for and used. 

XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 BEEN REVIEWING MY CREDIT FILE AND HAD NOTICE SOME ERRORS AND FRAUDULENT ADDRESSES. THE FOLLOWING ADDRESSES ARE NOT MINE. PLEASE REMOVE THE FOLLOWING ADDRESSES THEY ARE INACCURATE : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THESE NUMBER LISTED BELOW DO NOT BELONG TO ME. PLEASE REMOVE FROM MY CREDIT FILE. : { XXXX } XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2016-12-09
Company: Midwest Recovery Systems
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Got notice that there was new claims on my credit report so I looked and there 's one from Midwest recovery and they reported it twice and it on there twice so it shows I owe {$880.00} dollars twice for the same dept and my credit score took a huge hit from XXXX to XXXX and no information on dept or any notice at all and another from XXXX for XXXX and that 's paid as of 9 months ago and still remains in my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : The list of accounts below has violated my federally protected consumer rights privacy, and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX Account, has violated my rights. 
2. XXXX XXXX XXXX XXXX XXXX has violated my rights. 
3. XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) on behalf of XXXX XXXX  XXXX XXXX has violated my rights. 
4. XXXX XXXX XXXX XXXX has violated my rights. 
5. XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, CA XXXX ), has violated my rights. 
5. XXXX XXXX  ( XXXX XXXX XXXX, XXXX, MN, XXXX ) has violated my rights. 
6. XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX XXXX has violated my rights. 

Furthermore there is an address I have never lived in that has been reported. I have never lived in address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX. 

15 USC 1681 SECTION 602 A, states I have the right to privacy.

15 USC 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furninsh account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report continaing any of the following items of information, any other adverse item of information, other than recortds of convictions of crimes which antedatates the rport by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consume rreporting agency if the person knows or has reasonable cause to belive that the information is inaccurate.

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 2020-01-13
Company: Experian Information Solutions 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 BEEN REVIEWING MY CREDIT FILE AND HAD NOTICE SOME ERRORS AND FRAUDULENT ADDRESSES. THE FOLLOWING ADDRESSES ARE NOT MINE. PLEASE REMOVE THE FOLLOWING ADDRESSES THEY ARE INACCURATE : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THESE NUMBER LISTED BELOW DO NOT BELONG TO ME. PLEASE REMOVE FROM MY CREDIT FILE. : { XXXX } XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-01-13
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is our first home and when we visited the XXXX XXXX ( XXXX ) model home we were shared information about their upcoming community Smooth stream at the time of the sale we were told by the sales person that this is part of XXXX XXXX XXXX. On XX/XX/XXXX we were shared a governing document which we signed and send it back and we also gave {$49000.00} check as earnest money deposit under the impression that we were purchasing a home in The XXXX city. On XX/XX/XXXX we signed the pre contract document. In all of the documents the city information was used as XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. The closing date for this property was shared with us XX/XX/XXXX. 
We decided to go with builders lender XXXX XXXX XXXX XXXX funding as part of sales agreement being a first-time home buyer after receiving the appraisal report we had the option to decide whether we should proceed with the purchase of this property or not. We were given an appraisal report with the valuation of home being at {$600000.00}. On XX/XX/XXXX I signed the appraisal acknowledgement report and sent it back to the lender. The closing date was pushed to XX/XX/XXXX due to the property not being ready for closing. The closing for this property happened on XX/XX/XXXX title company was XXXX XXXX XXXX company. In all the loan and closing document the address for this property was used as XXXX XXXX XXXX XXXX The XXXX TX XXXX with the city information being XXXX XXXX. After closing at the time of transferring the utility service we found out that this property is actually located in XXXX but since the USPS uses zip code for mailing information the builder and lender used XXXX XXXX as city information. This property is located in XXXX XXXX township not the city when I tried to solve this with the builder and asked them to address this issue they refused and pointed me to the governing document. When I asked them to show me document with signature showing that we agreed to the fact that although this property is located in XXXX but we agreed to use XXXX XXXX as city information. 
We were trying to cope with the fact that we were cheated by deceptive tactics used by the builder and lender. The worst was yet to come we tried to re-finance this property on XX/XX/XXXX and on XX/XX/XXXX an appraisal was performed by XXXX XXXX and this property was appraised to the value of {$500000.00}. The builder and lender not only used deceptive techniques to sell us a property making it look like it is located it The XXXX XXXX and appraised the property to inflate the value of home higher than the actual value and being a first time home owner not giving us an opportunity to back out at the time of first appraisal performed for this property before closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2015, I received a Promotion paper from FIFTH THIRD BANK : basically the promotion was to receive {$200.00} if I open a checking account and set up a direct deposit for more than {$100.00}. I visited one of their offices in XXXX XXXX, FL and I did exactly what they told me to do in order to receive the {$200.00} bonus. I 've been waiting for 90 days ( time they told I have to wait ). I just received yesterday an email from XXXX XXXX ( the office manager ) saying : " After completing my research it shows that the type of account that you opened does not qualify for the bonus ... '' I feel disappointed because I trust them but my feeling are that this is just another false advertising to get people work with the bank without paying any bonuses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I applied to renew my PA XXXX license in which I was denied due to bank of america reporting to XXXX that my account as " abuse ''. As a direct result I am unable to open a new bank, new line of credit or renew my XXXX license as stated. Prior to me switching banks I opened a request to investigate a payloan who debited me multiple times until they were successful to get the money which threw my entire account off. Multiple representatives told me there is no way to stop them once they have my account number and routing number. Upon researching online I noticed bank of america has come up more than any other bank with this process tarnishing millions of consumers. On XX/XX/XXXX, I requested information from Bank Of America about this via certified mail with no response after 35 days. This should be removed 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 2015-05-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX, experian and XXXX keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation