BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

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 2022-02-17
Company: HYUNDAI CAPITAL AMERICA
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I purchased my lease XXXX XXXX XXXX Unfortunately, I have not been able to get the title to this car ; every time I call customer service, Im confronted with different excuses. 

It has been a nasty experience and at the moment I had no other choice but to get a lawyer to handle my case as of today XX/XX/XXXX, the lawyer has not been able to get anyone to talk to him. 
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 2022-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was in the process of selling my home and buying a new home. A very stressful and highly agitated time in my life, eating away at my time, life and energy. I needed to find a mover. Most movers at the time weren't available due to the summer season. I came across an ad on the internet about a moving company, I called the number and spoke to what I believed was an actual moving company. They told me that they could move me when all the well known movers couldn't, I was desperately needing to move due to my house closing at the end XXXX, when I contacted them at the end of XXXX. The move date was over a month in advance. Most of my transaction conversations were done on the phone. I was trying to juggle working at my job while this was all happening and fielding a lot of calls from work, realtors and now this moving company, which the moving brokers kept calling. Long story short, I believed them to be movers, I gave them my credit card number as a down payment of {$5300.00}, but they were not movers, they were brokers. I only found out because I was too busy to read the contract due to my limited time, they had told me some one was going to reach out to me in 3 to 4 days to solidify the move, when they did not, I got concerned I was scammed, and went to look at their contract to see, yes, I was scammed, and no one called me, therefore mitigating their UNCONSCIONABLE Contract. I was shock to find out they weren't movers, more shocked to find they had when I believe to be a highly unethical contract, and researched on XXXX and the XXXX XXXX XXXX showed me that this is a very dirty business doing this to hundreds to thousands of people. I went about cancelling this move with these scammers, thieves, and went directly to my bank to cancel and dispute the transaction because I wasn't going to be utilizing them. This contract is UNCONSCIONABLE- All this is what I went through with these movers : Undue influence ; XXXX ; Unequal bargaining power ; Unfair surprise ; or Limiting warranty. 
My Bank, Wells Fargo, had took over 6 months to give me an answer for the dispute. They claim because I signed this contract that I am stuck with the {$5300.00}, even though this horrible moving brokers did NOTHING for me! They did not find me any movers, I found my own. They did nothing for that {$5300.00} that they STOLE from me, and my bank Wells Fargo has allowed these scammers to do this. 
NO SERVICES WERE RENDERED! NONE!!!

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 2023-09-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: CT
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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX XXXX 2016, I applied for a Bank Of America XXXX Credit Card ( " BOA '' ). BOA targeted me with personalized mailings and online advertisers promising {$100.00} statement credit, XXXX miles, and a companion airfare. However, BOA approved the account at their Platinum Plus level, based on their assigned credit limit. This card came with XXXX points and no additional benefits. Buried approximately XXXX paragraphs into the Terms and Conditions, BOA explains the difference between the XXXX XXXX and XXXX. This is anything but clear. BOA does not indicate in XXXX location the overall benefits of the XXXX product, unlike the XXXX XXXX edition. BOA is purposefully deceiving customers and their actions are within the jurisdiction of CFBP and FTC for enforcement under authorizing legislation. 

BOA has gone above and beyond to sell me a product, however, they gave me something entirely different without any notice. It 's also of notice that my credit score, income, existing trade lines, and other BOA products are consistent with BOA approval criteria for their Signature products. This is an obvious " bait and switch ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Was subject to credit card fraud. BankAmerica closed the account and sent out a card for a new account. The new card was sent to someone else at a different address. Then they were supposed to send it to me at my office. Again they sent it to the wrong address. At no time was a signature required. I paid the balance ( not including the disputed amount ) in full on time. They could n't manage to post that to the new account. But they had no trouble moving over the balances owed. When this was brought to their attention, they agreed they got the payment and would move it over. But they would not issue a corrected statement to me. Claimed they could n't. And if they could they could n't email or fax it to me. Prior to BankAmerica buying XXXX it was able to do these sorts of things. After being put on hold for 30 minutes XXXX different times, I finally spoke to XXXX XXXX who claims she is the head of their service center and she reports to no XXXX outside of the chief corporate officers of BankAmerica. She again refused to send me a corrected statement showing the payments I had made. To say the least I will be closing my BankAmerica credit card and will find XXXX that has no connection whatsoever with BankAmerica. Not that I expect customer service anywhere else to be any better. Are n't we glad all of these banks are too big to fail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have XXXX student loans with Navient that currently show XXXX missed payments back in XX/XX/2014. This is definitely incorrect because after my semester ended in XX/XX/2014 and I knew that my loans were coming up for payment I entered my deferment paperwork. This paperwork was accepted and approved. I do n't ever remember receiving any information regarding late payments and I currently do n't have any payments due at this time. I believe they are reporting false information and I have made several attempts to work this situation out. I do n't have any other late payments on my credit report and these are really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: OPORTUN FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This people called consecutively XXXX times a day, XXXX  days a week, with XXXX regardless of the time or day or night.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my XX/XX/23 to XX/XX/23 statement. The statement amount due was {$8000.00} and I paid {$8000.00}. I was charged interest of {$98.00}. 
The company informed me I need to go 2 months of have balances paid off without getting charged the interest fee. 
They should put that information up by the amount due area- " even if you pay off this balance we will still charge you interest '' Plus how do they calculate?

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 2015-08-02
Company: Seterus, Inc.
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Seterus Inc XX/XX/XXXX by email. I explained I was told I had a 60 day late payment on my mortgage history when I applied for a preapproval to buy a new home. I explained that I could not have been 60 days late in XXXX because I had sold the house and paid it in full on XX/XX/XXXX. I fully expected this was an easy fix. I emailed them on XX/XX/XXXX and attached to my letter was the closing statement showing the mortgage with them was paid in full XX/XX/XXXX. I also attached the credit report showing the mortgage was marked 60 days late XXXX. I am writing to you today on XX/XX/XXXX and my credit report is still not fixed. I called them almost one month ago now to say I never received a response. The girl on the phone told me the letter went to the wrong address. I ask if she could read the letter to me from the computer she said the letter said everything was reported correctly. I ask to speak to a supervisor. After one hour on the phone the supervisor agreed she could see where the mortgage payment for XXXX could not have been 60 days late. She said she would have a soft credit pulled and have it fixed. I was on my cell phone and got cut off. I called back in a few minutes not having the supervisors name the girl on the phone looked up my old account and said there were no notes in my file. I said could you please put my phone number in the Computer to make sure they have it fully anticipating the supervisor would call back because she said she would. XXXX I called back again and went through the whole story with another person XXXX XXXX. She apologized and told me I needed to write the 3 credit bureaus to have it corrected. I explained I know that process and it would require up to a 90 day wait.. I explained after All the time I had waited it would be much simpler and easy for Seterus to make it right they were the ones who reported it incorrectly. She said they could n't do it. I am writing this complaint for others also. I am a XXXX and this is NOT the first time this has happened. I did a loan for someone with a very similar situation last fall. I had to order a credit supplement which XXXX had to pay for. The underwriter turned he loan application down initially because of the recent late. The credit supplement XXXX ordered showed they were incorrect which helped him get the loan but did not fix his credit report. It is not fair the attitude they have. Everyone I spoke even including the letter I received takes no ownership in have to live in my son 's small apartment till I can get this fixed. I have to store my furniture. Please if you can get through to them for all the people like me who just want fair credit reporting can you help us. I am happy to pro idea the other name of my loan applicant if you need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2016-05-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
They have failed to block accounts resulting from identity theft from my credit report even though I provided my affidavit and police report as well as a letter detailing that my information was stolen and used by another party. In addition, I have paperwork which explicates that another party used my name in a criminal matter therefore I am not responsible for the accounts that do not belong to me. Not only did they fail to block this information, they failed to give me the documentation that proves that these accounts even belong to me. I did receive a letter stating that these accounts were verified as mine and that they are declining my request to block these accounts. To legally verify, Congress states that they must have firsthand knowledge of these accounts and they did NOT! Before I speak with my attorney, I 'm giving a goodwill attempt for the last time to rectify this. 

Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for you to report these accounts in the first place, nor did I give the creditor permission to report these nor did I give permission to the court to report these. # 1 I was a victim of identity theft which means that these items must be removed immediately # 2 you do not have the authorization to report this bankruptcy which is also reporting inaccurately! 

XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately! 
XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Since last year, BoA has refused to work with my family concerning a loan modification after our family suffered death in the family, and was trying to keep our home by working with XXXX Prosperity Program. BoA continuously lost submitted paperwork, ignored HAMP applications and chose to foreclose on us. For the past 6 months, reinstatement requests have been Repeatedly submitted, yet before today, 8 days before our scheduled foreclosure, we have received only two. One, 3 months ago or so, that was well expired upon receipt of it, and today, which also expired today. Why can not BoA provide a reinstatement quote that allows at least a week before it expires? They will not accept anything but the exact amount, so how can I give that unless we have a non-expired quote. Just as bad, BoA is hitting us with late fees, inflated late fees, that would not have been present had they properly serviced our mortgage and given reinstatement quotes on time. It took months and Repeated attempts to even get the 2 we have the past 7 months. Attempts were made each month, yet it appears BoA purposely failed to service our mortgage, so they could bill outrageous late fees and add to their profit at a foreclosure. This appears to be mortgage servicing fraud ; the reinstatement quotes were ignored and sent belatedly, and now they are foreclosing at a high profit. A BoA rep even advised us NOT to attend a foreclosure hearing. How wrong is that? Is that not fraudulent or at least predatory? Also, at a hearing, where I tried to get the court to order a reinstatement quote, which is why we finally got the one today, I asked BoA ; XXXX attorney for a reinstatement quote and he said he would get me one that week. He never did. I have tried earnestly to get one but they seem intent not to give me one in time. It is a scam to delay, tack on late fees, send expired quotes, and then foreclose with " added fees. '' That is unethical and wrong. That is mortgage servicing fraud. I could have reinstated 7 months ago, and far cheaper without the bogus late fees that have been added to my account. Do they not have a duty to give me adequate time and a non-expired quote in a reasonable period of time, not 3 months after the fact?

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 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I review my credit report, I realized that same information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: American Collection Services, Inc. (OK, TX)
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
we rented a house from this company, and he did not fix anything we went to court court ordered us to pay him XXXX dollars and move and we did. He owns a low-income apartment complex we never lived in after we paid him and the case was over he took our information and placed an amount on our credit report as if we lived in that complex we never lived there.

Company response to consumer: Closed with explanation