BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: KS
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 am exercising my right under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Pages 2-2, 5-14, and 6-50 SEE ATTACHED. I am demanding you remove this item immediately. XXXX XXXX, account number : XXXX. This account is being reported illegally. If not removed immediately, Account name : XXXX XXXX Account Violations : ( 1. ) Correction : Account should be reporting monthly-SEE ATTACHED ( 2. ) Correction : There are no Recent Balances on Charged Off accounts-SEE ATTACHED

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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not authorize XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX GA XXXX to run an inquiry 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 2020-04-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX we paid this account. At that time we were repeatedly assured by the agent collecting the debt that paying it would 'help '' our credit scores and that they would remove the account from our credit in XX/XX/XXXX. They said in XX/XX/XXXX it would report a {$XXXX} balance, which it has done. We did have to note that updating the account resulted in a decreased credit score, not " helping '' as promised. We also have not yet seen it deleted from our credit, as promised. They have clearly violated our rights according to the FCRA and FDCPA by misrepresenting their intentions. HELP US PLEASE

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 2021-09-01
Company: EQUIFAX, 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:
FCRA Violation; Not Mine; Names, Addresses, Accounts :

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX


Account name
XXXX XXXX XXXX
Account number
XXXX  Date opened
XX/XX/XXXX

Account name
XXXX XXXX XXXX/XXXX  Account number
XXXX  Date opened
XX/XX/XXXX

Account name
XXXX XXXX XXXX
Account number
XXXX  Date opened
XX/XX/XXXX


FCRA Violation ; Never late:

Account name
XXXX XXXX  Account number
XXXX  Date opened
XX/XX/XXXX

Account name
XXXX XXXX
Account number
XXXX
Date opened
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Mercedes Benz Financial Services
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been attempted to work with XXXX XXXX XXXX XXXX XXXX, Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, President and CEO MERCEDES BENZ FINANCIAL SERVICES ) and XXXX XXXX d/b/a XXXX XXXX XXXX Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, President and CEO MERCEDES BENZ FINANCIAL SERVICES MERCEDES BENZ FINANCIAL SERVICES to act in the fiduciary capacity and act in the best interest of the BENEFICIARY ( XXXX : Banks-Beneficiary ) in this TRUST transaction XXXX I have sent the payment for settlement and closure of this account. They have chosen to still injure the beneficiary and now have damaged my property. 

This morning Mercedes Benz Financial Services sent someone to come steal my vehicle I am making record of how Mercedes Benz Financial Services Continues to violate Trust Law and continue to cause injury to the beneficiary. 

They have no provided any information, such as the on ledger and off ledger accounting, to show that they lent me anything to show that I owe them anything. By Trust law, I the benificiary have to right to request this information and the TRUSTEE should provide it on demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not authorize XXXX XXXX  XX/XX/2019 XXXX XXXX  XXXX GA XXXX to run an inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
From XXXX Till XXXX someone was going to school and receiving grants and selling phones over seas and got into my XXXX 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 2016-07-05
Company: FIRST HORIZON BANK
State: ID
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We have had a Home Equity Line of Credit ( HELOC ) in good standing with First Tennessee Bank since XXXX. We just received a notice from them stating that " The draw period for our HELOC ends on XXXX XXXX, XXXX. '' After calling them, we were told the HELOC is being discontinued because of their rule change - nothing we did or agreed to ever mentioned an end to the draw period. We now have to find another HELOC, including a full income verification process, past 2 years of documents, etc. This is a very cumbersome process at a time when one of us in unemployed, and the market has devalued so we are not likely to get a similar value on a new line of credit. We are not big fans of the process to get a home loan, and that is what we are being forced to do through no fault of our own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi Card & Citi Bank Checking - No way to access the website ( can not manage the account, make payments or close the accounts ), no customer service ( nobody will answer the phone, just disconnected by automated service ), the branch call are redirected to automated system, and after few push of the buttons disconnected. 

Trying to rearrange my payments to them, this is the only big bank unwilling and avoiding to assist or help during these challenging times ( last week after 3 hours on hold an Citi rep told me they can not help due per " upper management indications '' and disconnected me ), and here just to take advantage of this. A shame for a big financial corporation that we bailed out so many times.

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 2022-09-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am requesting this myself for you to take necessary action about the errors being reported on my Experian Report. I am so baffled about this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. You are big, XXXX liars! You claimed that you verified these items but provided no documents. I haven't heard any response from Experian and it made me lose my patience. They have violated Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they should DELETE from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$10000.00}

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 2015-12-01
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2015 I requested and signed with Banco Popular of Puerto Rico to enter the Loss Mitigation Program since I was having some difficulties to pay my monthly mortgage payment. I submitted the documents to the bank as they requested, including XXXX financial statements prepared by an Accountant. Surprisingly when I was in good faith negotiations with the bank, I received a letter from a XXXX attorney and his XXXX Firm that my file was sent to them in order to file a foreclosure lawsuit against me. My attorney called them and explained that there must be a mistake since we were negotiating with the bank under the Loss Mit Program and never received a communication from the bank denying my request. The file was sent back to the bank to continue the Loss Mit Process. I also tried to pay the due amount of the mortgage payments but the bank conditioned the payment that I also pay {$500.00} for the previous lawyer services. I have email evidence of this. The bank sent me an invoice of this legal fees from XXXX XXXX XXXX XXXX a company in the U.S. My attorney called the bank 's XXXX attorney that sent me the letter and he said that the Firm did n't sent an invoice to the bank for such legal services. I have evidence of this. I sent to the bank the due amount monthly payments without the {$500.00} for legal services and the check was returned via mail to me. To this day I 'm under the Loss Mit Program in good faith negotiations, sent already a THIRD financial statement three weeks ago since they wanted XXXX updated and by my surprise I was summoned today with a Foreclosure Lawsuit from Banco Popular of Puerto Rico even when the bank never sent me any type of communications denying my application under the program. I have evidence of the communications by email with the bank, the invoice from XXXX XXXX XXXX XXXX, the application I signed to enter the Loss Mit Program, among other documents. Today I called the bank and the employee that is working my case told me that being under the Loss Mit Program does n't protect me from being sue by the bank in foreclosure. I understand that the Federal Laws and Regulations require that I first need to be notified with a communication from the Loss Mitigation Program denying my case before being sue in foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name from XXXX XXXX, I had periods since XXXX where my payments were in excess of 30 days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XXXX of XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is refusing to update my tax lien status. I have given them proof that these tax liens have been paid and released. The refuse to update the information as paid and released. My Iowa tax Lien is paid and released They are now refusing to allow me to dispute information in my credit report. 
This is the information that is on record at the court house : Lien Filed XX/XX/XXXX ; XXXX Recorder of Deeds ; Case or ID # XXXX ; Amount {$10000.00} ; Class State ; Released XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX : ( XXXX ) XXXX It shows released on XX/XX/XXXX, The other tax lien XXXX XXXX XXXX Lien Filed XX/XX/XXXX ; XXXX Recorder of Deeds ; Case or ID # XXXX ; Amount {$2000.00} ; Class State ; Released XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX : ( XXXX ) XXXX. These are showing RELEASED and Transunion will not release the information. 
I am in the process of purchasing a home and Transunion is no the only company that will not update information. 

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 2016-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union and XXXX are reporting an account with TXU that does not belong to me. I never have had nor do I currently have an account with TXU. Credit bureaus account numbers are XXXX and 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 2016-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX/XXXX/2016 I discovered negative credit item and account number had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item 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 2020-10-06
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: Information belongs to someone else

Complaint:
To whom it may concern, I am a single parent trying to raise 3 children.  I recently checked my credit score. I have a few hard inquirys i never authorized XXXX  XX/XX/2020, XXXX/XXXX XX/XX/2020 and it appears on my credit report I never authorized anyone to run my credit on said dates and i did not try to apply for these cards nor did I ever with said companies. This is fraud and I would like removed from my credit file and to all credit agencies unless you can show me a document stating and showing me where I signed & gave permission. I have no relationship with either company. I also see there are Derogatory Marks the first one XXXX  which is on behalf of XXXX I don't owe them anything they are mistaken, XXXX on behalf of national grid they are mistaken. anything involving those 2 companies they were paid and it was resolved and no where near that amount of money. XXXX  and XXXX both on behalf on XXXX  XXXX  pretty sure that one is also something not authorized by me. I am asking under the fair credit reporting act for these to be looked into and to be removed from transunion, XXXX, XXXX  and any reporting companies. Thank you for you time. I have also attached to photo 's so you can see what I am looking for to be removed as it is all inaccurate information which is hurting my credit score

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 2017-02-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a monthly billing statment that shows a total amount due that is grossly inconsistent with the actual amount that is owed. As of statemenet date XX/XX/2017 I do owe {$970.00} per their own statement. sAME stament says i owe {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I want to file a formal complaint against XXXX XXXX of Wells Fargo. She pulled my credit with out my permission, denied me a loan based on credit when I was told she could get me a refinance loan WITHOUT pulling my credit and continues to send me boat loads of emails and documents to this day even though I was denied a loan after my credit was pulled without my permission. 

How do I file this complaint and seek legal representation for unjustice.

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 2022-04-15
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
CIT Bank ( https : //www.cit.com/ ) denied my application to open a XXXX XXXX account and refuse to provide a reason why. 

As a recent victim of ID fraud I have to know what factors are negatively impacting my ability to open an account with CIT. I am not applying for a loan, I'm applying for a savings DEPOSIT account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Maximus Education, LLC dba Aidvantage
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I get {$75.00} paid on my behalf from my employer through XXXX. Twice now, Aidvantage has not posted the amount on my loans, but by the record on XXXX, this was paid on XX/XX/2022 and XX/XX/2022. I looked at the history in Aidvantage and they show an amount of {$0.00} paid. I could understand the XX/XX/2022 payment not being fully processed after only a week, but the one for XX/XX/2022 is another story. Considering they'll charge me daily interest when the CARES Act stuff expires, this is a major problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I have been getting a run around from first merit about getting assistance with down payment assistance .... They are not utilizing all the grants that are available for first time home buyers.. They promised down payment assistance and told me to apply for it myself. .. This is the worst experience I have imagined ... They then told me it was n't in the job description, told me days before closing that I need to have {$5000.00} at closing. ... No one want to help with down payment resources. .. 
My name is XXXX XXXXFirst meritLenders supervisor : XXXX XXXXLender : XXXX XXXXWe called for the district manager and left messages as well

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
This guy promised to give me my items for XXXX XXXX. I gave him the money, waited a few days for the items to come. I never receive anything, its been like 6 days and he has n't sent me any items of any sorts ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
The name of the Fraudulent financial institution is " XXXX XXXX XXXX " This account was opened by somebody else without my knowledge on the XX/XX/2021. 
The Balance on this account is {$5100.00} I have made many attempts to resolve this fraudulent issue with the bank. However they disregard my claim since the fraudster used all of my personal information. I have filed a complaint numerous times with the federal trade commission. This is my last attempt before getting attorneys involved. Please help me remove this account from my credit bureaus.

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