BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-11-16
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: Account information incorrect

Complaint:
Late XXXX, my wealth manager discussed a better credit card for me. I signed an application. Sometime in XXXX, the bank sent a card to me. As I am out of the country often, my mailing address is a PO Box that is checked every week by my CPA, XXXX XXXX. No one from the bank called me to tell me that the card application was approved. No one from the bank called me to tell me that they were sending a card to me. The bank sent the card to the wrong address. I never received the card. Then the bank sent statements to the wrong address. I never received the statements. The only charge on the card was a charge for opening the card. A charge I was never informed was made and was due. As a result the balance became past due. When I discovered the banks mistake. The bank immediately corrected the mailing address, sent a new card and reversed the late charges. I have contacted the bank, and while they admit that they sent the card and statements to the wrong address, they refuse to reverse the negative reporting. This was not my fault, but was the fault of XXXX XXXX XXXX, as such I should not be penalized with a derogatory statement on my credit report. I have several accounts with XXXX  XXXX XXXX totally almost {$2.00} XXXX  in debt. My payment history is STELLAR. It is LUDICROUS that I would have failed to make a $ XXXX  monthly payment on a {$95.00} balance for a card charge.

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 2022-06-15
Company: SYNCHRONY FINANCIAL
State: IL
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 went on to XXXX XXXX and noticed that there was an account opened in my name fraudulently. I never opened account in question so I am a victim of fraud.

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 2020-01-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE RECENTLY CHECKED MY CREDIT REPORT AND IN MY AMAZEMENT, THE FRAUDULENT ACCOUNT WAS REINSERTED IN MY EXPERIAN CREDIT FILE. I'VE DISPUTED THE XXXX XXXX XXXX  FRAUDULENT ACCOUNT ( ACC NO : XXXX* ) ON XX/XX/2019. EXPERIAN, XXXX, AND XXXX  DELETED THIS ACCOUNT FROM MY CREDIT REPORTS. HOWEVER, EXPERIAN REINSERTED THE FRAUDULENT ACCOUNT WITHOUT NOTIFYING ME.

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 2021-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Bank of America account was closed because of Fraud bak in XX/XX/XXXX. I contacted their fraud department and they told me they would close the account but I would not be affected adversely. Later, I tried to open a business bank account but I was not able to because I had fraud on my XXXX XXXX report. I contacted both XXXX  XXXX  and Bank of America and I still have not been able to resolve this issue. I called Bank Of America on or around XX/XX/XXXX and I was hung up on twice. They just keep switching me between departments. I keep asking for verification or something that can be sent in the mail such as an affidavit stating that it was fraud but they have no detailed information on my account. Only that It was closed in XXXX. The sent me " verification in the past but even the verification absolved me of wrong doing because the signature on the forged check and my personal signature on Bank of America Paperwork are different. If they verified the information correctly it would have been manifest that the information should no be on my XXXX XXXX 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 2017-07-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient was attempting to force me to get a Forbearance instead of a Deferment based on the loans and the information contained in my loans as far as amounts does not look accurate. Also I was mislead into thinking I need to take out loans versus using other methods to fund my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-01-09
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: Their investigation did not fix an error on your report

Complaint:
I previously notified Equifax that I am a victim of identity theft, I am not a credit repair company I am me, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: ID Analytics, Inc.
State: UT
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:
XXXX XXXX failed to disclose that by applying for a line of credit with them they can pull other credit reporting agencies without disclosing a list of possible credit reporting agencies they will use. The CFPB has over 100 or more documented credit reporting agencies for 2017. As a consumer I was only aware of XXXX XXXX pulling one of the three major credit reporting agencies to obtain a line of credit with them. However, they failed to disclose that they can access any of the 100s of Credit Reporting agencies available to them without disclosing this information to me as a consumer. I requested that they use my XXXX hard pull or remove it but they instead sent me a letter stating they tried to also pull my Sagestream report which I have frozen with a security pin due to identity theft that recently happened to me. I requested they could access my Sagestream with my security pin or remove the XXXX Hard pull due to failing to provide that they can pull any of the 100 available credit reporting agencies that are listed from the CFPB. Which to me is dishonest and doing business in bad faith. Why? Because a consumer is not aware of the fact that multiple inquires from up to 100 credit reporting agencies is accessible to XXXX XXXX to make a decision simply for a store card seems to be illegal in my opinion. How can XXXX XXXX do this? Run multiple inquires, fail to list the credit reporting agencies they use since there are 100s of Credit reporting agencies based upon the CFPB lastest updates? How is this legal!

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 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-01-28
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, Huntington, has not paid any of my taxes or insurance in XXXX from my Escrow account. I have since found out they had the wrong parcel number and paid taxes on the wrong property. Additionally they did not pay my insurance so I've gone out to pocket to pay that. 

Now, my escrow for XXXX states a $ XXXX deficit and estimated $ XXXX in taxes ( my taxes are around $ XXXX ). That has ballooned my mortgage payment by $ XXXX which I can not afford to pay. However, Huntington says there is nothing they can do until their tax and escrow team can resolve the issue which will take " months ''. In the mean time I am expected to fork over $ XXXX additional over the next year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
To whom this may concern : What I want to know is how Experian, let all these accounts fraudually pass through there system when I never opened a member ID with them? They used my name for different loans and credit agencies through 3rd parties. On top of that they dont even have my social security number right. The account has my name and my wifes social. I am very disappointed!!!! For years Ive had to pay out of my federal taxes to pay agencies back that I had to fight because I knew it was not my credit. Ive been trying to get a loan for years and never been able to buy a house or a vechicle to provide for my wife and kids. We have XXXX kids that suffered through all these rough times with us. For somebody else to steal our identity, right from under our nose with not even knowing. I finally caught up with my student loans and I couldnt understand why I couldnt approve for any loans until I finally decided to check my credit report to find out that somebody had stolen our identities. Now under the Fair Credit Reporting Act to know the information contained in my credit report. Now we understand ourights under the federal law and as of now we will be seeking legal actions to resolve this unfortunate matter. This is fraud!!!! How could this happen to my wife and I? We have not been able to prosper for our children. My wife is ill and cant even walk and I cant even afford for her to get seen. We have a son in college and a daughter that is a senior this year and she had to work super hard to get scholarships because we cant afford to get loans approved to be able to contribute to our children furthering there education. Now this matter needs immediate action. 

XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX P.S. Lawfully wedded in XXXX XXXX, IA

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 2017-07-20
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Disputing a auto loan account. I am having an issue with Equifax. I have submitted 3 disputes with them regarding the following account : XXXX XXXX XXXX. It is a paid off car loan. My husband and I are joint on this account. I believe Equifax has corrected and updated my husband XXXX XXXX XXXX credit report but not mine. On my credit file it is supposed to be a CLOSED and PAID account. It was paid off in XXXX  2017 and Equifax keeps saying the dispute is complete but never updates the info. I have not had a problem with XXXX or XXXX. They have updated my credit file to {$0.00} balance-PAID and CLOSED. On my Equifax credit file it is still showing OPEN- {$11000.00} and Equifax will not remove or update it. I contacted the creditor and they updated Equifax with the correction and Equifax had it as $ XXXXPaid and CLOSED for one month and then it changed back to OPEN with a balance. Hopefully you can correct this with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX a Phoenix Financial Services requested a debt be paid of {$550.00} to a medical company by the name of XXXX XXXX XXXX XXXX, which when researching online is considered a highly illegal and wrongfully created debt creditor. I spoke with the emergency room and original collector who filed a claim with my health insurance and the original claim was collected. The original account number and original creditor listed on the form from Phoenix Financial Services are incorrect and they stated that I would need to still pay out of pocket for the debt even though it had already been paid. Phoenix Financial Services is using childrens medical issues to gain monetary funds to their benefit. It is disgusting that this is happening to anyone. Let alone that there are already multiple lawsuits against said company beginning in 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 2022-06-15
Company: EQUIFAX, INC.
State: GA
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:
The Credit Bureaus XXXX XXXX and Equifax stated my account was properly investigated but how is that possible when the open dates are inaccurate, the dates last active are inaccurate, and date last reported is not accurate. This is grounds for removal. XXXX, Equifax, XXXX, and XXXX have all violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish account without my written instructions. 3. Violation of FCRA 623 ( a ) ( 5 ) did NOT validate information with original creditor. 
These are the tracking numbers USPS XXXX XXXXXXXX Results # XXXX XXXX XXXX XXXX XXXX refused delivery Equifax XXXX Results # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Today ( XX/XX/2022 ) I received a predatory mailer from the student loan servicer Navient. The mailer encouraged me to refinance my federal student loan, currently in coronavirus related forbearance until XX/XX/2022, with Navient. The mailer incorrectly states that the federal student loan payment pause will end on XX/XX/2022 ; this is months earlier than reality. Its predatory and unethical to mislead consumers about federal protections in order to make money off their existing debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
My husband and I sent a letter to the credit bureaus XXXX XXXX 2017 asking them to investigate numerous issues we had on our reports. They responded to my husband but sent nothing about me, even though my information was in the same letter!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
My husband and I sent a letter to the credit bureaus XXXX XXXX 2017 asking them to investigate numerous issues we had on our reports. They responded to my husband but sent nothing about me, even though my information was in the same letter!

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 2017-07-20
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Yes I Purchased furniture from Conns in 2015.. When I made the purchase my limit was XXXX. I did use the line but now the line is showing on my credit report 2 x one for XXXX and one for XXXX. I could n't even purchase that much. I have made several attempts to dispute and I even informed the collector I would not make any payments until the XXXX $ was removed. I will accept the higher one. They also called me back into the store that same week to resign paper work which I thought was weird because they say the signatures did not match. How is that? this is crazy to me and it is going on 2 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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 has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i just submitted a complaint XX/XX/XXXX today. involveing newrez mortgage services.shellpoint, a division of newrez. i made an error i put XX/XX/XXXX XXXX this complaint happen XX/XX/XXXX. also my account no is XXXX XXXX XXXX XXXX the complaint no is XXXX .this complaint was filed because newrez in part is chooseing to use my rental property to deny my application for refinance.in XXXX an XXXX .XXXX  caused myself as well as my tenants a hardship .i followed all the rules of the forbarence. i brought my account current .before the end of the forbarence.my tenants lost their parents.shellpoint divison of newrez. denied my application bacause XXXX XXXX XXXX said the proccesor can not except my rental income .or my XXXX  hospital income, the income is on my taxes .i showed proof of my retirement, which is XXXX dollars.my social security of XXXX an my rental of XXXX .its counted against me .but not for me .pls this not fair practice.

Company response to consumer: Closed with explanation