BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: TN
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. I sent dispute letters via certified mail. To all three consumer reporting agency 's. Demanding the XXXX XXXXt account be removed due to the fact I did not give the reporting agency 's written consent to furnish such information. 15 USC 1681b Permissible purpose of consumer reports. 
In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
If the reporting agencies have written consent from me regarding this account please provide the evidence.

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 2018-07-27
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute the following information in my file waypoint resource group llc # XXXX The item I have identified is inaccurate because I never had a account with XXXX XXXX and or a credit card with XXXX 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 2017-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Bank of America 's Collections Unit sent a NOTICE OF INTENT TO FORECLOSE ( NOI ) letter dated XXXX XXXX, 2017. They are trying to foreclose on my property.

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 2020-03-06
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX notified me in my XXXX credit card statement that TD Bank had purchased the XXXX XXXX   Cash back Visa card, and that TD Bank would no longer be continuing the XXXX Cash Back Rewards program. As a result, no more cash rewards would be deposited into my XXXX online savings account after XX/XX/2020. At that time, I called XXXX XXXX to redeem the current balance in my Cash Back   Rewards account, and deposit them into my XXXX   online savings account. I was asked if I wanted to continue my credit card account with TD Bank even though they would no longer be offering the XXXX Cash Back Rewards program. I told them that I did not want to continue my credit card account with TD Bank if that were the case. 

I got my final credit card statement on XX/XX/2020 for the period XX/XX/20 - XX/XX/20. During that period, I had accumulated {$20.00} in current cash back rewards in my account. When I called to redeem the rewards, TD Bank told me that since I had declined their credit card offer, the accumulated rewards were no longer available to me. They stated that by not accepting their offer to continue my credit card account with TD Bank, I had " by default '' closed my account. And they stated that once an account is closed, the cash rewards are forfeited to TD Bank. 

When I called to complain, I spoke with Agent XXXX # XXXX and Agent XXXX # XXXX, who both told me there was nothing they could do to get my cash rewards back to me because that was their company policy and they can not change company policy. They further stated that they could prove that this was their company policy because it says so in their credit card agreement that they can keep these cash rewards funds once the account is closed. 

I don't see how this can be legal. If so, TD Bank is being allowed to keep all the cash rewards that have accumulated in all the accounts for all their customers who did not agree to accept their TD Bank credit card. They are telling me it is legal because they sent me a notice stating that if I did not redeem my remaining cash rewards by XX/XX/XXXX, then I would forfeit the rewards, but I told them that I did not get that notice. Their position is that since they told me that they sent it to me and it states in my credit card agreement that they can keep any cash rewards from an account that is closed because I did not accept the terms of their new credit card, then there is nothing they can do. 

I don't think the cardholders who decide not to accept the TD Bank credit card terms are aware of this policy by TD Bank. And that's a whole lot of money that will be forfeited by a whole class of consumers, including myself, who will lose thousands of consumer dollars in cash rewards balances that must be forfeited to TD Bank as a result of this self-serving company " policy ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Recently went to a car dealership and only authorized an inquiry for XXXX however the dealership ran my social across many companies and that has tremendously affected my credit score these are the unauthorized Inquiries XXXX XXXX, XXXX, XXXX  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, 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 2015-03-24
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My daughters account keeps on getting charged an overdraft fee on her account. They claim when Internet transaction is made it is not debit the day of the transaction. They also state that the merchant has up to XXXX days to submit there debit to get paid. The bank never puts a hold on the transaction and subsequently charges an overdraft fee. They also say that they ca n't tell me who the Internet transaction is from until it is completed. When I complained that XXXX was unauthorized to debit the account they took there time to investigate RIDICULOUS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
online not seeing how last payment posted, told then I was afraid to send next payment until I know where my money went. they just say researching. 
balance not going down it was originally XXXX, conventional fixed rate loan in 2005, now they say interest bearing. Something not right. principle basically stays the same. When I send " extra '' in the " get caught up '' they always have some fee that eats up my unapplied balance. right now at XXXX but over XXXX disappeared since 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 2020-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: AZ
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 Recently went to a car dealership and only authorized an inquiry for XXXX however the dealership ran my social across many companies and that has tremendously affected my credit score these are the unauthorized Inquiries XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) EXPERIAN XXXX XXXX, XXXX XXXX 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 2016-06-28
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Quicken Loans Mortgage Company has been making credit inquiries on my credit report since XX/XX/XXXX. Quicken Loans are using a Company call XXXX to make inquiries on my credit report. Quicken Loans / XXXX are causing my credit score to decline from mid scores of XXXX down to lower scores of XXXX on my credit record due to their inquiries. I need this stopped immediately and my credit score returned back to XXXX+ score, prior to a mortgage loan they process for me doing that time. 
Documents Quicken Loans would need Finance XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX/XXXX/XXXX at XXXX To XXXXXXXXXXXX Message body XXXX We would need : XX/XX/XXXX & XX/XX/XXXX Tax returns XX/XX/XXXX & XX/XX/XXXX XXXX XXXX paystub dated within the last 30 days Lease agreement for rental property. 



XXXX Quicken Loans XXXX XXXX | Mortgage Banker Direct : ( XXXX ) XXXX | Toll Free : ( XXXX ) XXXX XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | XXXX # XXXX Highest in Customer Satisfaction in the U.S. by XXXX. XXXX XX/XX/XXXX - XX/XX/XXXX Primary Mortgage Origination | XX/XX/XXXX - XX/XX/XXXX Mortgage Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: CITIBANK, N.A.
State: PA
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 received a bill from Best Buy for an unauthorized charge to renew the XXXX XXXX. I immediately contacted them. They assured me that I would be refunded the full amount of the charge. I then closed the account on XX/XX/21. I then get a notice from XXXX that I have a delinquint account. Best Buy for {$10.00}. I contact them and they informed me it was an interest charge on that item that I never purchased. They said they emailed me the bill which I never received. My credit score was XXXX. I worked very hard to get it there. XXXX dropped my score 75 points for this????? # 1 Don't you think I would have paid a {$10.00} bill? # 2 How can they drop my score 75 points over this? I filed a dispute with XXXX over this on XX/XX/21. I don't have any results of the dispute and my credit score is XXXX!!! This is so unfair!

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 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

TransUnion are reporting the following fraudulent accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX, and XXXX - XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.

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 2022-03-15
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Step 1 : Sent off dispute letter. National Credit Systems respond in 30 days. Letter was sent off and delivered certified mail XX/XX/XXXX XXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX. Company Responded XX/XX/XXXX not being able to validate debt or records and proceed not to remove the reporting collection off my credit. 

Step 2 : Sent off letter 2 dispute letter. National Credit Systems responds in 30 days :. Letter was sent off and delivered certified mail XXXXXXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. No response. 

Step 3 : Sent off dispute letter. National Credit Systems respond in 30 days. Letter was sent off and delivered certified mail XX/XX/XXXX XXXXXXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Company Responded XXXX XXXX still not being able to validate debt or records and proceed not to remove the reporting collection off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: OR
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:
CRA of 15USC ; 1681, SECTION 602A, states I have a right to privacy. Also, it states the credit reporting agencies can not furnish account data without my permission/consent.

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 2021-08-25
Company: Southwest Credit Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from the credit bureaus that your company is attempting to collect an alleged debt that you have listed on my credit reports. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions 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  XXXX XXXXXXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX  XXXX : Account # 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 : 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 2022-07-11
Company: Brightfunders, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Lender sent Final closing disclosure on XXXX for XXXX closing with locked-in rate and 1.25 % of Loan Amount ( Points ) {$5000.00} that I'm paying to reduce the interest rate to 5.625 %. Lender requested subject-to solar pay-off revision in appraisal which Title sent XX/XX/XXXX that it was paid off which they delayed submitting, and now requesting a revision from appraiser to remove subject-to. I wired closing funds already based on Cash-to-close. On XX/XX/11, Lender sent another final closing disclosure XXXX XXXX states : " Per borrower 's request the lock has been extended 11 days. The discount is now set at 1.375 % ( {$5500.00} ). '' I did not request this, the lender is the one that delayed with appraiser. I can close ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' so if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. they never did a fair investigation according to the 15 USC 1681.XXXX XXXX also sent me a letter stating " There is no bankruptcies reporting on my credit report. 

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigate consumer report '' means a consumer report or potion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681 s-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