BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2022-05-20
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

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 2020-08-13
Company: EQUIFAX, 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:
Around XX/XX/XXXX I disputed XXXX XXXX XXXX on my credit report. On XX/XX/XXXX XXXX notified me that it was reporting correctly. It is intact not reporting correctly. According to the XXXX, portfolio recovery associates should be not be reporting my account as a factoring company, and also my account is being reported towards my overall credit card utilization every month even though it is not a credit card which it is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Left messages for them to call me back since I cant not make full payments. To try to resolve this matter. Called not only my family after I said not to but all threat them if I dont pay in full right away they will also go to jail

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 2016-10-22
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a second checking account with First Merit bank to keep money separate from my main account for personal reasons. I was charged an " Inactive Fee '' because I was not using this specific account enough. This fee was half the money in the account. I was in no way made aware they were going to take this fee because if I was I could have made an extremely small purchase to avoid it, but instead they just took my money. I also have no way to close this account without incurring additional fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am XXXX yrs old and have paid Select Portfolio for a second mortgage since XXXX in the amount of $ XXXX with a maturity date of XXXX. Had them on auto payment and paid they XXXX and when I realized it and stopped payment, they are trying to foreclose on me saying I still owe $ XXXX. Plus I made two payments a month paying extra. My original complaint I was told by the manager the only way this would go away is if I submitted and identity theft report, I told him that is fraud and he said that was the easiest way out of this and they sent me procedures for doing it. This is all unbelievable. Please help me! 

They have class action lawsuits, please see this : XXXX XXXX XXXXXXXX XXXX  Thank you XXXX XXXX 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 2020-12-28
Company: EQUIFAX, INC.
State: TX
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 contact Equifax several times. 
I have now found out that this collection account. has been added to my account twice The account name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: SUNCOAST CREDIT UNION
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: Reporting company used your report improperly

Complaint:
CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried twice to let experian know that they have unfairly reported my credit score way too low and they still wo n't honor my request which is now discriminatory. 
transunion has me at XXXX equalfax is at XXXX and these guys are at Experian have me at XXXX. I have paid on time with XXXX credit cards with no late payments for four years and XXXX mortgages at 2 years this is after my bankruptcy of XX/XX/2009. So for seven years I have a perfect payment record. I 'm a widow that my spouse died 5 years ago with a XXXX we were dealing with. I have XXXX children and I need to refinance. 
Please resolve this thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have XXXX addresses listed on my Experian credit report that do not belong to me. I would like to have them deleted. The XXXX addresses 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 non-monetary relief
Consumer complaint received 2015-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have had XXXX issues with Bank of America this month. First, there was a fraud case, which originated within Bank of America, in which an employee printed themselves a duplicate of my credit card and used it for large purchases. After the fraud was discovered, I had to follow up several times to get all the charges reversed. The second problem, which is ongoing, is that Bank of America lost my next payment - for {$400.00}. - paid on XXXX XXXX, 2015 as an online payment from my bank account. I have complained 3 times, and each time, they say it will be fixed shortly, but it is now 18 days since the payment went missing, and it is still not applied to my account, though each time they say they have found the payment in their system. The representative I spoke with today said that no action had been taken on it previously to fix it. The last representative I spoke with said that it was a problem affecting many people, and she had had many complaints about the same situation that very day. They also charged me late fees for the " missing payment, '' saying my account had not been paid on time. They also threatened to raise my interest rate as a result of the late payment. Please help me get my missing payment back from Bank of America and help me resolve this situation. Very frustrating!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In   XXXX   XXXX  , credit unlimited requested on my behalf that   XXXX   XXXX   XXXX   remove a closed mortgage account that was dated last activity in  XXXX  on all three credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by   XXXX   XXXX   XXXX   when I was trying to short sale the property that the lien was attached to .   XXXX   XXXX   XXXX    could never find the account.     Experian removed the account. Equifax updated the account as closed in  XXXX . Transunion added a second account with a different account number in   XXXX   XXXX   saying it is currently active and reporting late and a foreclosure has been initiated.     1. The title to the property was transferred   XXXX   XXXX   XXXX  hat the original lien was attached to.    2.  I do not own any property for   XXXX   XXXX   XXXX     to foreclose on.    3. This loan was sold 3 times since opening in   XXXX   ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.

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 2022-05-20
Company: Experian Information Solutions Inc.
State: AL
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 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: MD
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:
There are several inquiries on my recent credit report with the same date of XX/XX/2022 that I didn't authorize to obtain my credit report. Those below items are still reflecting : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I've also called several times in regards.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Submitted a dispute with Experian. They immediately respond that debt XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX2011 indicated the debt is mine. I viewed who the collecter is collecting a debt for and I never attended the school. So to fraudulently hold me for a debt I am not liable for is outrageous. They have had this fraudulent debt on my credit report since 2011 and requesting that it immediately 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 2022-05-20
Company: Experian Information Solutions Inc.
State: AL
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 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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: Investigation took more than 30 days

Complaint:
I have reviewed the response from experian. They DO NOT have the right to tell me that i didnt file this complaint. I provided everything they needed to prove who I am. If this is not taking care of IMMEDIATLEY! i will SUE!

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 2022-05-20
Company: Experian Information Solutions 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 ( XXXX  XXXX ), # XXXX ( XXXX/XXXX  ), # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-20
Company: AES/PHEAA
State: MD
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:
I was very unhappy with how the CFPB handeled my last complaint. 
XXXX I dont feel anyone did anythingXXXX XXXX XXXX XXXX XXXX. 
FEd loans is taking this COVID Public service waiver and playing XXXX again , just as they did for the past XXXX  years torturing borroweres. 
I just got their assessment of my eligibility. 
They stiil creat GAPS in my XXXX XXXXXXXX XXXX XXXX XXXX, since I changed jobs in middle after getting a promotion. I sent them ALL the XXXX XXXX  forms for XXXX yerars, and they still want to crush me. 
In addtion they just keep nitpicking. 
I cant wait to see them bankrupted. 
I am attaching my latest email that came last nihgt. 
My biggest fear is XXXX will come, and the window will close, they take XXXX  months to return a call or email same as they have done for XXXX years. 
I sent them all my XXXX XXXX forms as they asked, to show no gap in service, as you cna see they creat gaps, they just do this for fun I think. 
Pleas help this time, not like last time. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never went to this hospital never been there never receiveda letter from this collection agency

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Hello Dear, My name is XXXX, XXXX from XXXX, XXXX. 
last week, on XXXX XXXX & XXXX someone use my debit card multiple times in XXXX, XXXX. I was still in possession of my card at that moment. they withdraw {$1100.00} in cash at different ATMs and made purchases for {$1200.00} at XXXX in the same city. I received some messages from Bank of America telling to verify some recent transactions. I reported those transactions as fraudulent. i filled a claim for this fraud and I was waiting since yesterday. 
They denied my claim and told me there is no fraudulent pattern. 
When I asked them what that mean they told me I have been to the state of XXXX couple of time I used sometimes none Bank of America ATM 's I withdraw often a large amount of money. 
i asked the lady can a person be present at XXXX location a the same time? because i was in XXXX, XXXX at the moment. 
I called the police yesterday filed a police report so the bank will do further investigation. I 'm an international student the money is for my tuition I really need it. 
Best,

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 monetary relief
Consumer complaint received 2016-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Selling my mortgage to another bank without any type of notification.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: AR
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 to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had an unauthorized inquiry on my Equifax file on XX/XX/2016 from XXXX. I filed a dispute online with XXXX and even filed two disputes with Equifax. I even called Equifax and one time the gentleman mentioned it would drop off within 24 hours. Well its been months and I finally received a company letter from XXXX on XX/XX/2016. They apologized and stated on the letter it would drop off my file which it HAS NOT and its been over 6wks. I sent that letter over to Equifax in my last dispute and they refused to remove it stating that it needed to come from XXXX. What more proof do they need and I have NEVER requested any services from XXXX and their letter states that with an apology. I do n't care what Equifax needs in terms of " their procedure ''. Fact of the matter is, it was unauthorized and I have an actual company letter to confirm that. The last girl from Equifax made it seem its ok to have this inquiry and that it falls off after two years. Well I know the rules of inquires but that is only acceptable when they are AUTHORIZED by me. This was not and everyone from Equifax on the phone was not helpful at all. They were all over the place and figures when one said it would drop off my file within a day and the last person I talked to said my XXXX letter does nothing to help them remove it.

Company response to consumer: Closed with explanation