BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-26
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2018 I had missed my most recent local home tax bill. I planned on paying it and knew it would be late ( one other time this happened and I paid late plus penalties ) Then I get a letter end of XXXX stating LoanCare paid the taxes and someone would be in touch with me. That never happened. I received a letter mid month stating my mortgage would go up {$1600.00}. almost double what I pay and have ever paid on any house I have owned. To date I have phoned over 15 times ( hold, put in a call back appointment-no call back, written emailed etc ) I have tried calling as of today 5 times the phone answering system is not working keeps pushing me out or not recognizing the numbers you push to move forward ( push 2 for this put your ssn in etc ). I CAN NOT afford {$1600.00} added to my payment and NOR should I have to. have sent notification I will pay the amount they paid on my behalf and I want my house payment back to the {$2100.00} ( or less if they can and I know they do lower ) for XX/XX/XXXX payment. There was ZERO notice and ZERO replies back to resolve this. Please help me with this complaint

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Starting approximately one year ago I became aware that Experian Credit Bureau w as reporting on inquiries that I did not have a credit score. Twice I verbally was able to speak to representatives who assured me I had a good credit report and there should not be a problem. The problem continued and I submitted my complaint in writing during XX/XX/2019. I was sent a copy of my credit bureau report and told no problem existed. The report showed over ten satisfactory trade lines dating back 20 years. I have never missed a payment in my life. My XXXX  and XXXX  reports are both well over a 750 score. I recently applied for an auto loan and was denied due to no credit history on my Experian report. I have tried to make contact with them again, although I am unable to speak with anyone and their automated system does not allow me to submit a complaint on my issue. I believe my report is being blocked due to collection accounts for my son, who is a XXXX, which I fully disclosed in my XX/XX/2019 complaint. I was sent a clean report with no collection accounts when Experian responded. The other credit bureaus have no problem determining what is my information, but it appears Experian does. I can not get any information to see why my report is not being released. I have experience in banking / lending and feel confident they are holding my report. They have caused me financial damage of being denied and not being able to refinance my mortgage since a tri-merge report is used and no score reporting by Experian causes issues.

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 2016-05-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
EXPERIAN has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EXPERIAN HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EXPERIAN are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EXPERIAN is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2022, I sent a letter off certified, the tracking numbers are XXXX, XXXX, XXXX. 

I told them to investigate every single account on my report and the credit bureaus stated all accounts listed on letter was properly investigated but how if all information is inaccurate, including name, address, last active, date opened, and last reported. They also informed me that all address were removed that I informed each credit bureau was inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2022-01-20
Company: Cedars Business Services, LLC
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 received an alert that a hard inquiry was made on my credit by Cedars Business Services ( XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ). I called the company and they stated the wrong month for my date of birth then told me because of that they could not provide me with any information. They said they would investigate and call me back, which they never did. I never gave this company permission to pull my credit. I have requested they remove the inquiry but they only stated they can not give me further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This company Sagestream Stated in the response to my previous complaint that The documents I sent them via Fax did Not match my identity documents that were sent. I am attaching the SAME documents that I sent Via fax to this complaint so that the record shows they were correct, seems like they are toying with me at this point and I am frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2022, I sent a letter off certified, the tracking numbers are XXXX, XXXX, XXXX. 

I told them to investigate every single account on my report and the credit bureaus stated all accounts listed on letter was properly investigated but how if all information is inaccurate, including name, address, last active, date opened, and last reported. They also informed me that all address were removed that I informed each credit bureau was inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: OH
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:
Ive sent letters to all three reporting agencies as well as the original collectors, the time of which these items are to be reported has expired over 8 years. Legally under the fair credit reporting act 7 years is the deadline in which these companies can report on the credit after the account has been closed. It has been almost 10 years now and they after many letters are still reporting and not taking into the account the laws in place.

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 2022-07-25
Company: BETHPAGE FEDERAL CREDIT UNION
State: OH
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:
Ive sent letters to all three reporting agencies as well as the original collectors, the time of which these items are to be reported has expired over 8 years. Legally under the fair credit reporting act 7 years is the deadline in which these companies can report on the credit after the account has been closed. It has been almost 10 years now and they after many letters are still reporting and not taking into the account the laws in place.

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 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that cause that reinserted previously delete information. They violated my rights unders section 6.11. I was never notified. As a result my credit score is suffering. i have contacted them twice but they have not taken any actions to correct. i am requesting all All inquiries be removed.

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 2022-07-25
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Regarding CFPB complaint number XXXX, on XX/XX/XXXX Credit Cntrl Corp claimed to have sent me written correspondence in response to my request for original creditor information. However, I did not receive any original creditor information or correspondence on XX/XX/XXXX. Also, I made my request for debt validation on XX/XX/XXXX. How could they have sent me the specific information that I asked for before I asked for it? 

CCC received my request for validation along with a cease and desist on XX/XX/XXXX. Yet CCC states their correspondence with me was on XX/XX/XXXX, meaning that they did not respond to the request they received on XX/XX/XXXX in a timely manner. 

CCC is quite literally admitting that they have failed to fulfill/acknowledge my request in a timely manner and by far exceeded the allowable 30-day time frame that the FDCPA provides in 15 USC 1692g ( b ).

CCC has violated 15 USC 1692c. I sent CCC a cease and desist demanding they stop contacting me through ANY AND ALL mediums. This includes my consumer report. CCC has been communicating with me through my consumer report consistently since I've sent my cease and desist. CCC never justified collection of a debt. I've included proof that they continue to update their account on my consumer report. 

XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Global Lending Services LLC
State: NC
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:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Self Financial Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted this company several times regards to not authorizing such a loan as soon as I found it reported to my credit report they have been of no help even after so many documentation such as fraud affidavit and police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am now posting a third cfpb case because past matters are not resolved as well as more matters not getting resolved. The boa representative XXXX XXXX should respond because she has made phone contact and said to do so, where XXXX XXXX or XXXX XXXX dont really make any sort of contact. 
My current response to a whatever long dispute way now to be in reversal was emailed and message center posted, yet to have response back. A rather more than bogus covid19 faults and just whatever major losses challenged does exist about this airticket sale, and so it should not be reversed at all! 
My third debitcard visa hotel payment to arenteiro hotel in XXXX XXXX XXXX goes signed processed yet not against account activity or if to the hotel! XXXX trying to resolve! What an emergency at that time and finally evacuating via military measure shutdown and XXXX XXXX per XXXX usa!

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 2016-01-18
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
All XXXX credit reporting bureaus ( Equifax , XXXX, XXXX ) ask me security questions which do not pertain to me. When I answer them as 'none of the above ', they say they can not provide my reports online. When sending in their requested verification info, I get a letter saying that they can not provide me with my reports. THIS MAKES ME VERY CONCERNED ABOUT WHAT IS IN MY CREDIT RATING ( errors, fraudulent activity, etc ). By law, they have to provide me with my annual credit report but have refused to do so for numerous years. THIS HAS TO STOP, I NEED MY CREDIT REPORTS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A deposit was made into my checking account on Wednesday, XX/XX/XXXX using the XXXX pay app and I received an email & text from the bank informing me of this deposit. 

The deposit was in my account Wednesday XX/XX/XXXX & Thursday XX/XX/XXXX. But all of the sudden, Friday XX/XX/XXXX morning my deposit had disappeared and they have no record of it. Ive been having a lot of problems with this bank not posting things correctly. I went down to the XXXX Bank of the West branch and spoke to XXXX and showed him my proof of deposit. Ive also spoken to XXXX, XXXX & XXXX from the Bank of the West dispute department, and I was told deposit it would be there on Saturday or Monday. 

On Monday, XX/XX/XXXX, money was not there and again I went down to XXXX branch and was told that it is still being researched and No date was given to when it would be available. I called again today Tuesday XXXX and was told there is no resolution as if yet. This is situation has been extremely stressful & frustrating. 

If you can help me get my deposit of {$70.00} back, I would really appreciate it after that point I will be closing out my account and not dealing with this bank any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I called Bank of America in order to ask if requesting a credit line will trigger a hard or a soft credit inquiry, since I have read an article online that Bank of America switched from requiring hard checks to just perform a soft check. The person than answered, XXXX, put me on hold for a minute to check since she was not sure what kind of check it is performed. She came back on the line and since a check is gon na be performed, to which I specifically asked is it a hard or soft check, she stayed silent for a second or two and replied it is gon na be a hard check. Her response did not sound very convincing from what I read on the article. Then she asked me if I wanted to proceed with the credit line increase to which I declined since I do not believe it is necessary for Bank of America to perform a hard check since they have more than enough information about myself being a customer for many years, having perfect payment history and plus since they perform soft checks on my credit report periodically. She then went on to say that it is the policy and that other banks do the same. I replied that it might be their policy but it is absolutely not true other bank need to perform hard checks for line increases. I have requested multiple increases from other banks and they were all granted without the need for a hard check. She then said ok have a nice day in condescending tone of voice. After that I requested to speak with a supervisor, she claimed the supervisor was not available and if I wanted to leave a voicemail. It is really surprising that such a big corporation like bank of america does not have supervisors available during the day.

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