BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX 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 2022-09-07
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022 I sent a handwritten letter in regards to Validation of Debt ( letter attached ). Unaware of the response due to it being on the Experian website and not mailed certified as I did for my letter. The response was the removal of any late balance, but not the removal of late payments. If the conclusion of the dispute were that the balance was fraudulent shouldn't the late payments be a fraud as well? Please investigate this further and correct the misleading information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
OCWEN LOAN SERVICING, HAS REFUSED TO RESTRUCTURE MY LOAN. THEY ARE ATTEMPTING TO FORECLOSURE WITH A ROBO SIGNED ASSIGNMENT. XXXX XXXX IS ACTING AS TRUSTEE FOR XXXX XXXX. THIS TRUST HAS SEVERAL PENDING LEGAL ISSUES. THE ASSIGNMENT WAS CONVEYED AFTER THE CUT OFF DATE OF THE TRUST ACCORDING TO THE POOLING AND SERVICING AGREEMENT IN SECTION 201 ALL MORTGAGES HAD TO BE CONVEYED PRIOR TO THE CUT OFF DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Recurring checking account deduction which have not been authorized since  XXXX  of {$21.00} being paid to   XXXX    XXXX . My wife and I have not authorised this type of transaction.

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 2022-09-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to DEPOSIT a postal money order into my account. I signed the money order and wrote " FOR DEPOSIT ONLY ''. The teller XXXX XXXX did not want to do the deposit despite the fact that the postal website says money orders do not expire. XXXX was reluctant to return the money order which makes no sense being that he did not want to deposit it. XXXX XXXX XXXX from the XXXX Department lied saying I tried to cash the money order which is not true. All of this makes it seem as if Santander is stealing from customers. Postal money orders when they are deposited into bank accounts are always valid and do not expire. I do not understand how someone works in Corporate and can not tell the difference between the words " cash '' and " deposit. '' Although banks have different names but operate within the same Federal Reserve system, Santander is the most disgusting bank I have ever dealt with.

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 2017-06-22
Company: State Collection Service, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
received noticed of unpaid medical bill from debt collector ( not sure when first received - sometime this year XX/XX/XXXX ). possibly received from State Collection Service in WI. <P/>debt is from services received from XXXX XXXX of Wisconsin. date of service XX/XX/XXXX & XX/XX/XXXX. <P/>we would gladly pay any amount owed however we never received any bills from the hospital. naturally upon receiving the debt notice i contacted XXXX immediately to try find out any information regarding the service etc. At that time they acknowledged that they had the incorrect address on file and perhaps the reason why we never received any bills. they told me they would send the information to the correct address. <P/>however after not receiving i contacted them again ( repeatedly ) only to be told that they would not provide any information, that they had turned the debt over to state collection service and i could only discuss with them. <P/>again, have absolutely no problem paying this bill. first however i never received any bills in the first place and second obviously i need detailed information as to what i 'm being billed for. i have an excellent credit score. <P/>thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
In XXXX 2016, I submitted a complaint related to a XXXX XXXX XXXX card that was used without my permission to purchase and reload dozens of XXXX gift cards. XXXX XXXX was nonresponsive. The CFPB contacted them and XXXX XXXX settled the account. I am now attempting to purchase a home and the late fees associated with these charges is majorly negatively impacting my credit score and subsequent interest rate on a mortgage. I have been informed that I need to make a complaint to the three major credit agencies to have this information removed to salvage my credit score. Please contact me as soon as possible regarding this urgent matter.
<P/>
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 explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

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, XXXXXXXX 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 explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: FL
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I am starting this dispute based on my experience with Lexington Law. I had started a monthly subscription with them back in XX/XX/XXXX to repair my credit. Around XX/XX/XXXX is when I officially ended my membership with them due to not seeing much results and felt they were dragging me on. The monthly payment started at {$60.00} and after a year or so it changed to {$30.00} because after trying to cancel it the first time they lowered my monthly to keep me in. Wanting help fixing my credit I opted to stay and pay the lower payment. They would send me notifications or letters claiming they initiated action against some of the companies to remove inquires but never any results. I received these notifications/letters multiple times through the process, nothing ever changing. Eventually I felt I was just throwing money away and canceled everything with them. Upon looking for professional credit help I found out Lexington Law was being accused of sending false information which leads me to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I submitted a complaint related to a XXXX 's XXXX card that was used without my permission to purchase and reload dozens of XXXX gift cards. XXXX 's was nonresponsive. The CFPB contacted them and XXXX 's settled the account. I am now attempting to purchase a home and the late fees associated with these charges is majorly negatively impacting my credit score and subsequent interest rate on a mortgage. I have been informed that I need to make a complaint to the three major credit agencies to have this information removed to salvage my credit score. Please contact me as soon as possible regarding this urgent matter. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Dear Friends at the United States of America, Notice is hereby given : I am natural person, consumer as the term is defined under the Equal Credit Opportunity Act ( ECOA ) and Fair Debt Collection Practices Act. I am filing this complaint for unfair and deceptive practice, credit discrimination, inducement of XXXX, as aggrieved applicant against Citibank , N.A . for deprivation of right to extend credit as creditor in accordance with the Truth in Lending Act and ECOA. I am submitting this complaint without any third party. 

I conditionally accepted application and extended my consumer open-end credit in credit sale via good and valuable consideration of completed application form in exchange for consumer product Citi Custom Cash Mastercard account XXXX 15 U.S. Code 1641 ( c ) offer accepted for open-end credit for consumer purposes only. The Assignee disapproval based on unverifiable and uncertified rumors in bad faith is unfair per 15 U.S. Code 1641 ( b ) - Liability of assignees. The disapproval is unfair, deceptive and discriminatory. This is a clear violation According to Title 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient and we request good faith reconsideration. 15 U.S. Code 1691b - Promulgation of regulations by the Bureau ( b ) Exempt transactions My capacity of operation is that of consumer and originating creditor, unless presumed otherwise

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 2017-06-22
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several attempts on XXXX/XXXX/2017 and XXXX/XXXX/2017 to contact this company because they are reporting negative information on all my credit reports about a debt that is not mine. They have failed to proved me with viable evidence of ownership of the debt they are claiming is mine.

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 2017-06-22
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Suntrust Mortgage Inc serviced my mortgage XX/XX/XXXX. Property coat {$280000.00}, down payment {$70000.00}. I applied for modification XXXX XX/XX/XXXX I received a illegal type of modification. The loan was sold/transferred without my knowledge to XXXX. I went to see the vice prespresident of Suntrust. XXXX XXXX. denied the transfer. XX/XX/XXXX I went back to the branch, VP XXXX XXXX. Stated my mortgage was sold for {$210000.00}, the exact amount which I borrowed. Suntrust continued withdrawing my payments & also sent the same amount to XXXX. Months of payments shipped by XXXX to XXXX XXXX, these checks where signed & cashed without informing XXXX, or applying any payments to my mortgage.XX/XX/XXXX the property sold. XXXX pay-off {$26000.00} delinquent charges to the credit agencies. The loss of my Credit History distroyed by Suntrust reporting illegal negative statements this ongoing dispute began XX/XX/XXXX My loan was not underwater. I made my monthly payments using my Suntrust Sure Pay Checking & Savings Account. I met with VP XXXX hurried outside, her father just passed away. I walked with her to her vechical, she looked at me and stated, " I 'm sorry XXXX '' I can not access a Suntrust Mortgage Acct that is closed. But if I where you, I would get my money & close your acct. I was devastated, afraid, totally depressed. Scheduled for my XXXX XXXX XXXX XXXX, it was all bad. Made me sick I needed a reason to live. So, I prepared my home for immediate sale.XX/XX/XXXX, three months later I walked away with {$1400.00} dollars. Today is XX/XX/XXXX Please help me out here. Suntrust XX/XX/XXXX must comply to the credit agencies by written facts recorded deed Satisfied Paid Account Closed. Thanks

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 2017-06-22
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: Old information reappears or never goes away

Complaint:
In XXXX 2016, I submitted a complaint related to a XXXX XXXX XXXX card that was used without my permission to purchase and reload dozens of XXXX gift cards. XXXX XXXX was nonresponsive. The CFPB contacted them and XXXX XXXX settled the account. I am now attempting to purchase a home and the late fees associated with these charges is majorly negatively impacting my credit score and subsequent interest rate on a mortgage. I have been informed that I need to make a complaint to the three major credit agencies to have this information removed to salvage my credit score. Please contact me as soon as possible regarding this urgent matter.
<P/>
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 explanation
Consumer complaint received 2017-06-22
Company: Experian Information Solutions Inc.
State: TN
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 am a victim of Identity Theft. Someone has placed things on my 3 credit bureau reports and they also filed bankruptcy in my name without my consent or knowledge. I sent the complaint to all 3 credit bureaus along with multiple attachments as proof. By law, the 3 bureaus had 4 days to block the information relating to the identity theft. Out of the 3, only 1 has done anything and they ONLY annotated that the bankruptcies were " in dispute ''. All 3 of these bureaus should have blocked this information immediately and they have not.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 

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

Therefore you are requested to kindly delete my accounts or else I will file the litigation to get deletions. 

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 XXXXXXXX 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