BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I filed a previous claim # XXXX reference numerous repeated charges, large additions to balance owing after signed modification, confusing nature of Selene 's payment history documentation, needed explanation for double charging of loan amount monthly and failure to report to credit bureaus since initiating account with Selene. 

Selene 's response ignored any of these concerns, included only a forwarded copy of my modification document ; which didn't address any of the above noted items, and they promised to stop asking for my dead father with each call. 

Well, Selene still asks for my dead father on each call... 

Their documentation is the same ; without reason or clarification of repetitive and double fees, and they continue to ignore my requests to reduce my loan to a fair amount, to restore their fraudulently applied check and NSF fees, or to explain {$37000.00} in " Corporate Advance Adjustment fees '' that increased my balance after signing. 

My prior complaint included a 17 page log with minimal, detailed compilation of all correspondence/transactions with XXXX. I organized it in the closest semblance of intelligence that I could create from their chaotic and inconsistent documentation. 

My {$150000.00} balance, that I signed as {$130000.00}, should have a XXXX XXXX monthly payment, plus escrow. Selene mandates an {$1800.00} monthly payment, to prevent Foreclosure. 
This is equivalent to a {$250000.00} mortgage, not the {$130000.00} I signed documentation for. 

This company refuses to be transparent, consistent or apply honest business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2022-08-19
Company: Experian Information Solutions Inc.
State: MD
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:
My current score with Experian is over 100 points less than XXXX and XXXX. Nothing is ever updated, not paid accounts, not on time payments nothing. In the past year it has changed maybe twice. When I called to ask why they arent updating my information and why are they the only credit company not doing so, the representative told me they dont know and to wait. I understand that the scores from all three would differ but at a XXXX point gap, that is egregious and without any explanation. No agent has explained why and Im wondering if this is discriminatory. I need this investigated and rectified. In addition, Experian has Experian boost. I have tried to link my bank and they didnt have it, but stated it would be available within a three month period so I could update it. This was a year ago. They still havent included the bank and when I call, the agent, it seems, didnt know. Once 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 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward that the disputed items will be updated immediately : 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 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 2023-11-15
Company: Affirm Holdings, Inc
State: NC
Product: Credit reporting 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 this creditor has violated my rights. 
Under 15USC 1681, Section 602 states I have the right to privacy.

Under 15USC 1681, Section 604A, Section 2 states a consumer reporting agency can not furnish an accout without my written instruction.

Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$960.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX  XXXX XXXX XXXX : {$500.00} XXXX XXXX Balance : {$630.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$290.00} XXXX  XXXX XXXX XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/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 2023-09-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit 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:
On XX/XX/23 I inadvertently purchased counterfeit silver coins. The XXXX merchant used a fictitious U.S. address to infer creditably. Upon determining said coins were fake I contacted FBI who referred me to local police dept. & I filed a report ( XXXX XXXX, Fl. XXXX. Synchrony Bank, dba PayPal Credit refuses to secure said report & accordingly isnt attempting to recoup {$220.00} from their banking contact, as per Consumer Credit Act. Theyve disputed charge only to bill me again ; please help! Thank you

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 2023-09-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX, Equifax and XXXX XXXX XXXX XXXX XXXX refused to remove fraudulent account form my credit report, after I sent them a copy of my Identity Theft Report, Police Report, ID, SSN and utility bill which I will include in this compliant. I am requesting that all companies listed send verified documents and the methods that was used to verify this fraudulent account per the information act and FCRA. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bal : XXXX Date Opened : XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Delete hard inquiries associated with 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 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 from my credit report 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 non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away 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 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 non-monetary relief
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: DE
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:
when I recently checked my credit report I seen that there was a closed XXXX XXXX account on my report opened XX/XX/2022 I was not made aware of it this is my XXXX time seeing the account on my report and since it was reported as a closed account I would like for it to get removed of my report I contacted both XXXX XXXXXXXX and the XXXX XXXX  but they have not made the actions to get the account removed off of my credit report Its been past XXXX XXXX I have put the report in with identify theft as well and now I am here reporting this I would like for this to XXXX off my report it is 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 2023-09-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX inquiries to be removed : 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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant. XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus Last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts : XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} Consider this as a follow-up complaint to my previous letter and to notify you to validate the aforementioned accounts

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Unauthorized Inquiries appearing on 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
XXXX going thru hardship financial I had lost my job due too false allegations felony charges in my name the interest rate is too much for me too pay my monthly bill on time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: MO
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXXXXXX Balance : {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To Whom It May Concern, I am writing to formally lodge a complaint against Bank of America concerning an incident that I believe constitutes a violation of the Expedited Funds Availability Act ( EFAA ) and Regulation CC. On XX/XX/2023, I deposited a cashier 's check into my account at Bank of America. Despite the nature of the instrument being a cashier 's check, which typically warrants a shorter hold period due to its near-equivalent status to cash, Bank of America has placed an extended hold on these funds, with a release date set for XX/XX/XXXX. 

This extended hold is considerably longer than the standard timeframes outlined in Regulation CC, which generally requires XXXX XXXX to make funds from cashier 's checks available within one business day after the deposit is made. The delay in the availability of my funds has caused significant inconvenience and potential financial hardship, as I am unable to access my own money. 

I have attempted to resolve this issue directly with Bank of America, but have not received a satisfactory explanation or resolution. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to investigate this matter. It is my understanding that the CFPB is committed to ensuring fair and lawful practices in the banking sector, and I believe this situation warrants such attention. 

Please find attached relevant documentation, including the deposit receipt and any communication I have had with Bank of America regarding this issue. 

Thank you for your attention to this matter. I look forward to a resolution that upholds the standards of banking regulations and protects consumer rights. 

Sincerely, Attachments : Deposit Receipt, Correspondence with Bank of America

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