BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I cosigned for my brothers private loans which are now with Navient. It was explained to me to make 1 yr of consecutive payments and my brother can then apply for the co-signer release so that my name an then be removed. We complied with those terms. Each month my brother gave me the funds which I logged onto the portal and paid under my account. My brother has no bank account mind you. All documents were submitted for processing as a year of payments have been made on XXXX 's account by him from my account. This evening I speak with the rudest member of management who basically tel ; s me application denied. XXXX ( myself ) has been making payments for the past year not XXXX. He is not credit worthy. Excuse me, how do you know XXXX has n't paid. He has paid, just because it was paid from my account with my banking info means nothing. You can not prove he did not give me the funds each month, when in fact he did. Navient dances around the truth to get money and will tell you whatever you want to hear. Then when you call them they dance around the truth to get rid of you. I can not let this go because I was under the impression, I 'd be released from being a cosigner after we met Navient terms & conditions ( consecutive twelve payments ). I am trying to purchase a home and Navient is hindering me from doing so with this loan. I did everything they told me to do and now they are going back on everything!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.

( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 )

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 2021-03-11
Company: ALLY FINANCIAL INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am updating on filed complaint. There is no way I could figure it out how to provide update. 
I received a call back from XXXX XXXX. & as per my phone conversation with her, as she requested, I have immediately faxed her Settlement offer letter at the fax # she provided- XXXX. 
I have offer {$6000.00} of settlement to this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Paid off an account with XXXX XXXX listed in collections about two months ago, but it 's still listed as outstanding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home was flooded in XX/XX/XXXX & we received checks to repair our home from XXXX with no problem, but we had to forward those checks to our mortgage company, which is Loancare in XXXX. They are refusing to forward our final check to us, in the amount of {$9500.00} ( which we sent to them in XX/XX/XXXX ) -the reason they are giving is because we allegedly owe the contractor we fired in XX/XX/XXXX, {$2500.00}. This is false, because the sub-contractor who actually finished the work for us was paid this remaining {$2500.00}. ( The sub-contractor was approved by Loancare ). The contractor we initially hired was XXXX XXXX of XXXX in XXXX TX, and he was not what he appeared to be, so under the advisement of both the XXXX and our Insurance Adjuster, we fired XXXX. Also, XXXX of the XXXX is in the process of investigating XXXX as they can find no trace of him having a plumber 's license, which was needed to do the necessary plumbing work in our home. We asked XXXX for proof of his license/insurance on several occasions, and he provided false numbers to us each time, and so we terminated his contract with us. We did keep Loancare apprised of everything, including sending them copies of all our correspondence with XXXX, but Loancare still refuses to release our money to us. Loancare is stating that in order to release our money, we need to get a signed statement from XXXX that we do not owe him the XXXX-which he refuses to do-so we are at a stalemate, and therefore can not complete the repairs on our home. We feel that Loancare is just using this as an excuse to hold on to our money, and have told them as much, and we do not get anywhere at all when speaking to a CSR. They will not respond to our repeated requests to release our money-they just say it is " in escrow '', and refuse to release it! We have had horrendous treatment from Loancare from the very beginning, and they have given us a very difficult time on each and every occasion we requested them to forward us a check from our insurance money. They also kept changing the percentage of " inspection completed '', so that they could hold on to our money longer! Loancare are very unhelpful and unprofessional, and we have seen a great many complaints from other people regarding similar issues with this company, and we feel they need to be investigated for these kinds of irregular practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Upon receiving statements and other correspondence in the mail I contacted my mortgage lender and requested that they immediately stop all mail. I explained that I do not want to receive anything in the mail and that if they must reach out to me or contact me they are welcome to do so by phone or email. They 've refused to honor my request due to what they 've stated is a legal requirement under Regulation Z, Section XXXX They stated that because they do not have a system for sending out statements electronically ( mind you they 've explained this by email ) that they can not fulfill my request. I responded by waiving their obligation to send me statements altogether and I told them that if they can not send statements to me electronically then not to send them at all. I explained that I simply do not want any further mail from them and that it is my right to privacy to place such a request. They however responded that regulations do not allow them to stop mail and they have since continued sending statements to me in the mail despite my numerous requests to stop.

Company response to consumer: Closed
Consumer complaint received 2020-11-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, {$1000.00}, {$670.00}, {$840.00}, {$2900.00}, {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXXith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my 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 explanation
Consumer complaint received 2022-09-18
Company: FIRST FINANCIAL BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Sir! 

Bonus for new checking accounts www.bankatfirst.com I opened a checking account at First Financial Bank at XXXX XXXX XXXX Branch in XXXX. 
It was opened in person and with reference code as per flyer available at branch. The bonus amount or {$200.00} was in relation to meet requirements to be accomplished by account holder. 

I could say that the account holder should three transactions ACH or check clearance. 
Since XX/XX/2021, I am not finding the bonus amount reimbursed. I had talk at the same branch. But we could not ascertain the terms of bonus. It seemed like lost. 

I could say the head office will have the flyers and record of scheme that was available by XX/XX/2021.

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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have disputed numerous times to all 3 bureaus for my auto loan with XXXX XXXX Iam not responsible for this I have disputed. I did my dispute with transunion on XX/XX/2022 and it's now XX/XX/XXXX and still not completed. It needs to be removed from my credit reports asap or legal action will be taken.

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 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Negative Credit from Unknown Creditors. 
Spouses name incorrect. 

In correct Credit score ( s ) ( lower then actual score ( s ) )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US 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 explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an unauthorized inquiry dated XXXX XXXX,2022 on my Experian consumer report. They accessed my credit again without my permission as I did not apply for anything!

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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
THIS COMPANY IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. THE ITEMS REPORT INACCURATELY EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

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 2022-09-18
Company: EQUIFAX, INC.
State: TN
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 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I purchased insurance with this company in XXXX 2013 and cancelled due to there were not able to cover my home insurance policy. At which time I submitted a letter of cancellation and paid a the final payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent a debt validation letter on XX/XX/XXXX to Medical Data Systems XXXX Inc. and instead of the company validating the supposed debt they sent me a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. 

Name of Collection Agency : Medical Data Systems , Inc .

Location of Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Telephone Number of Collection Agency : ( XXXX ) XXXX Dates : * I received a phone call from Medical Data System on XXXX XXXX ; *I sent a debt validation letter to Medical Data Systems on XX/XX/XXXX ; *I received a response which were my medical records on XX/XX/XXXX from Medical Data System. 

The supposed debt owed : {$470.00} Date : XX/XX/XXXX ; {$210.00} Date : XX/XX/XXXX, {$300.00} Date : 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 explanation
Consumer complaint received 2016-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have XXXX major problems going on right now and its across all XXXX bureaus. 
# 1 reinsertion of previously deleted items without required notification within 5 business days pursuant to section 611 # 2 " verification '' of information without providing the documentation that I requested that proves that these accounts belong to me - XXXX V TRANSUNION states in no uncertain language that once I notify them that their results are wrong, they have to go beyond the original source of information to ascertain that the info they are receiving is correct. Congress also states that to be able to verify this information they actually have to have firsthand knowledge which means that they have to have the docs. 
# 3 Multiple accounts keep getting passed around from company to company and are also reporting multiple times concurrently which is illegal - only the company that actually holds the account can report it! 

Here is the body of my disputes to TransUnion : ** I want to know how the same collection accounts are being reported by different collection agencies as well as being deleted and the reinserted and then reported by a different one and then passed to another? How do accounts go from XXXX = XXXX UNKNOWN MEDICAL = XXXX = XXXX UNKNOWN MEDICAL XXXX XXXX XXXX XXXX? How is this even legal??? ** Only the company that actually holds the account can report the account and not even one of them has been verified! 

This XXXX XXXX XXXX account is showing a balance that is the wrong amount and you also have a date opened that is different than what the other XXXX bureaus are reporting! So how are you verifying this account? By someone saying that they see my name a screen? Seriously?? 

XXXX XXXX is also being reported as XXXX XXXX XXXX XXXX ( XXXX and TransUnion ) and only ONE of them holds the account - this is double jeopardy! Remove this immediately! 

XXXX XXXX is also being reported as XXXX XXXX ( on XXXX ) and UNKNOWN MEDICAL XXXX ( multiple times! ) and only ONE of them holds the account - this is double jeopardy! Remove this immediately! 

You added XXXX XXXX XXXX XXXX as 60 days late and # 1 I was not 30 days late and # 2 I 'm sending proof that you are reporting this wrong! XXXX has 30 days x3, XXXX has 60 days and TransUnion has 30 days and all XXXX have different open dates! Fix this immediately! 

I 've already stated that I do n't know what XXXX XXXX is nor XXXX XXXX XXXX! Where 's the documentation that proves that this accounts belongs to me!?? 

You 're reporting XXXX XXXX XXXX XXXX ( which by the way is unknown ) and XXXX XXXX is reporting the same account - they are XXXX different collection agencies and only the account holder can report the account! This needs to be removed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief