BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # # # # XXXX, XXXX XXXX # # # # # # # XXXX, XXXX XXXX XXXX # # # # # # # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-07-06
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am extremely devastated, embarrassed and damaged by the shameless actions and decisions that Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX have made against me and my family. I was discriminated against. I, consumer, beneficiary and natural man was denied an extension of credit when in good faith applied for an extension of credit. I applied to use credit for my personal, family and household use. According to the Equal Credit Opportunity Act it states that it is unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction- because the applicant has in good faith exercised any right under this chapter. Not only a federally protected consumer was discriminated against, this company violated their fiduciary duties as trustee in which I, the beneficiary sent a notice of breach on XXXX in accordance to the uniform commercial code. I receive no adequate consideration as I provided this company with my trust documentation and all XXXX XXXX evidence to conquer that I am claiming what is owed to me. Goldman Sachs Bank USA and Apple 's deceptive business practices has stressed my family and I and has caused us a great deal of mental anguish in which I needed that credit line to move my family out and Goldmans Sachs Banks shameless decision has left us XXXX. I have proof and certified mail receipt to show that I tried to rectify the matter and multiple calls and this company decided that they should act with unclean hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This issue regards my Macy 's American Express credit card issued by AMEX/DSNB, XXXX XXXX XXXX XXXX, OH XXXX, XXXX. 

My credit limit was cut in half early in XX/XX/2019. I received no notice of the change from AMEX/DSNB. I learned of the change from an alert issued by XXXX that stated : " AMEX/DSNB lowered your credit limit to {$900.00}. 
Credit limit is the maximum amount a borrower can draw upon or the maximum that an account can show as outstanding. A reduction in your credit limit may negatively impact your Credit Score. '' Subsequently, I learned from AMEX/DSNB that my credit limit was lowered because of inactivity. 

MY COMPLAINT IS THAT MY CREDIT LIMIT WAS LOWERED WITHOUT PROVIDING ME WITH ANY NOTICE, AND THAT MY CREDIT SCORE COULD HAVE BEEN AFFECTED. 

The customer service representative at AMEX/DSNB informed me that they have no obligation to provide me with notice. If this is correct, I respectfully suggest and request that CFPB adopt a rule requiring issuers of credit instruments to provide customers with notice of any changes, including credit limits, to their accounts. 

AS A RESULT OF THEIR LOWERING MY CREDIT LIMIT WITHOUT NOTICE, I CLOSED THE ACCOUNT AND DECIDED TO MAKE A FURNITURE PURCHASE FROM AN ALTERNATIVE VENDOR INSTEAD OF MACY 'S

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 2017-08-20
Company: JPMORGAN CHASE & CO.
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:
XX/XX/XXXX : Chase requested information regarding a credit card requested in my name, suspected fraud. XX/XX/XXXX : Advised Chase that I did not request the credit and it was indeed fraudulent. Chase advised they would cancel the pending application and remove the credit inquiry from my credit report. They also advised me to request a copy of the fraudulent application in writing and they would release a copy to me so that I could file a report of the identity theft. Advised Chase again in writing on XX/XX/XXXX that the credit inquiry had not been removed and that they had still not provided me with a copy of the fraudulent credit card application that I had requested in writing. As of today, XX/XX/XXXX, still no response from Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: NJ
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 name XXXX Account # XXXX, Account name XXXX XXXX Account # XXXX, Account name XXXX Account number # XXXX, Account name XXXX  XXXX Account number # XXXX, Account name XXXX XXXX Account number # XXXX, Account name XXXX Account number # XXXX, Account name XXXX XXXX Account number # XXXX, Account name XXXX Account number # XXXX, Account name XXXX Account number XXXX, Account name XXXXXXXX XXXX  Account number XXXX, Account name XXXX Account number 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 non-monetary relief
Consumer complaint received 2021-12-22
Company: T.S. Holdings
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My daughter applied to XXXX XXXX XXXX Townhomes and only listed me as an emergency contact and mailing address. I was not on the application and did not sign anything. She was the only person on the lease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On X/XX/17 I called TransUnion Credit Bureau and told the representative that I was a victim of the " inquiry issue ''. To my dismay they told me that they did not know what I was talking about. There was indeed a glitch and TransUnion took off inquiries and then put them back on my credit report.Clearly a breach of FCRA 611 5 ( b ). Attached are copies of my most recent credit report with all of the inquiries I want 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 2017-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I AM AWARE THAT TRANSUNION HAD A GLITCH IN THERE SYSTEM IN THE SUMMER OF XX/XX/XXXX AND AGAIN IN EARLY XX/XX/XXXX. I HAVE CONTACTED TRANSUNION AND SENT LETTERS ABOUT INQUIRIES THATS LISTED ON MY CREDIT REPORT THAT I DO NOT RECONIZE. THE INQUIRES WERE DELETED FROM THE CREDIT REPORT THEN LATER TRANSUNION ADDED THEM ALL BACK ONTO MY CREDIT WITHOUT GIVING ME LEGALLY REQUIRED WRITTEN NOTICE 5 DAYS PRIOR TO THE READDING THEM. I HAVE CONTACTED TRANSUNION IN GOOD FAITH TO HAVE THE INQUIRES AND NO LUCK I KNOW MY RIGHTS AND WILL NO ALLOW TRANSUNION TO VICTIMIZ MY TRANSUNION

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 2022-07-06
Company: EQUIFAX, INC.
State: NY
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:
Equifax re-inserted a bankruptcy into my Equifax file after deleting it. However, they never notified me within 5 business days of doing so nor did they provide the contact information for the company that furnished the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked mt credit report through my bank and there was an inquiry for a credit card that I did not apply for. I called the credit bureau and they said I had to call the credit card company. I called the credit card company and they said the card had been issued and was coming to my address. I told them I did not apply for or want that credit card. They said they would cancel it and remove it from my credit report. It is still on my credit report the credit card is from XXXXXXXX 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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX SPECIALISTS OF ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX XXXX ( Original Creditor : XXXX XXXX EMERGENCY XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX PA ) 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 2018-08-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a complaint against XXXX XXXX, XXXX XXXX XXXX XXXX  my original loan was with XXXX  until they were indicted been sold off to XXXX XXXX XXXX who promised me a modification made me go into default and then while I was in XXXX they foreclosed on my property this unaccredited service or XXXX XXXX  based out of XXXX what is going on here. I am in litigation and I need assistance Does this agency really protect the consumer. I tried to modify my loan in XXXX What does property in XXXX and put a ton of money into it. They purposely did not want to modify my loan. To collect fees from the Fed. There is a case of XXXX County court the property is XXXX XXXX XXXX XXXX XXXX XXXX mass I have been obliterated by these banks please assist as I may have to go to the press for this entire event, this is ruining our socioeconomics in the country running our children and our economics with unfair play. Please assist XXXX XXXX XXXX. A law firm called XXXX XXXX XXXX XXXX  based out of XXXX illegally foreclosed on my property on XXXX XXXX put it on auction and illegally sold it off without proper notice and jurisdiction of the Commonwealth of Massachusetts. Supposedly the new owner never closed he came to my door and told me he bought my house online. I have no Trust passing signs on my property and yet he still knocked on my door looking in my windows I filed a complaint with the police department. I am suing the servicer the bank and the attorney that represented the bank or an accredited service are based out of XXXX Florida XXXX XXXX who I never heard of Ive been paying my mortgage since XXXX taxes insurance maintenance this is got to stop please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am surprised to see a late payment reporting in XX/XX/2017 from Toyota as far as i'm concerned all my payments have been made on time. I have made requests from toyota to show me when they received the payment which would have caused this late to occur I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am XXXX XXXX  XXXX on SSDI due to catching XXXX in XXXX that destroyed my credit with medical bills. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX working with XXXX manufacturers. Sue to wide spread XXXX in my body the State of Massachusetts hid the XXXX illness and I was assigned a Lawyer that was promoted to Judge. I was passed on to a corrupt lawyer that never brought my case to trial. She was disbarred for stealing funds from clients funds. Since my Bankruptcy in XXXX of XXXX I have paid all my bill on time 100 % of the time. XXXX had defamed me by reporting inaccurate information and rejection of an application XXXX and reporting inaccurate credit score of XXXX. They also used statements that are untrue to date. Currently my TransUnion report is inaccurate. I need to file suit to clear my name. My current credit score is 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 2021-04-14
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am having a financial hardship due to COVID-19. I Requested a FHA COVID-19 Forbearance for my loan payments, but did not get a reply regarding the FHA COVID-19 Forbearance UCC 1-308 All Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: National Enterprise Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National enterprise systems who is a third party creditor sent me a letter on XX/XX/XXXX stating I owed a debt. On XX/XX/XXXX I sent National enterprise systems a Debt validation letter, National Enterprise sent me a letter back on XX/XX/XXXX stating I owed a debt the company has not provided any contracts between me and the company and they have not sent anything back pertains to what I sent in the debt validation. National Enterprise Systems is in a total of XXXX violations. EXHIBIT A 15 USC1692B ( XXXX ) EXHIBIT B 15USC 1692 ( j ) EXHIBIT C 15USC 1692 ( j ) EXHIBIT D 15USC 1692 B ( XXXX ) EXHIBIT E15 USC 1692 ( A ) ( B ) EXHIBIT F 15USC 1692 B ( XXXX ) EXHIBIT G 15 USC 1692 XXXX EXHIBIT H 15 USC 1692 B ( XXXX ). 
I have explained over the phone to to XXXX different employees that I do not owe the debt. I sent the company a consumer affidavit of truth, Federal consumer violation invoice.

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 2022-07-06
Company: EQUIFAX, 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:
The student loan account had incorrect contact information and I did not receive mail correspondence about bill being due. Additionally, this happened during COVID pandemic and XXXX XXXX like myself should be given leniency with these things. I'm not sure why this account did not continue to be under the federal pandemic forbearance either. However, since I became aware of this account being actively due I have brought the account to current status and will be making monthly payments to satisfy my loan obligation. 

Account in question Equifax : XXXX XXXX XXXXXXXX Student loan Balance {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX & XXXX Account Number:XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2019-07-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since Bayview took over the mortgage from XXXX XXXX company in 2018, there have been issues with Bayview not applying payments, adding " fees '' that are not ( in my understanding ) appropriate, and then sends letters stating that I am behind, when I am actually paying based on the figure settled with XXXX ( {$400.00} / month ) plus additional to cover any late fees. In XXXX, just after I separated from employment with XXXX XXXX, Bayview began sending letters stating that I was approximately {$1600.00} in arrears, even though I had had been paying monthly ( again, based on XXXX 's amount ). I viewed my Bayview account online today to see where Bayview actively held some payments, and applied others. Attached are documents showing the payments via XXXX XXXX bill pay, and additional documents ( submitted to Bayview ) showing a hardship that should resolve in the next two weeks ( car accident in XXXX prohibited my gaining new employment whilst receiving chiropractic care ).

Company response to consumer: Closed with explanation