BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-09
Company: Experian Information Solutions Inc.
State: NY
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:
This is regarding my CFPB closed complaint XXXX submitted to CFPB on XX/XX/2018. The complaint had feedback from the creditor that requested the deletion of the trade line. After multiple disputes with Experian they have refused to modify this record on my report. I've filed three disputes on this account and they keep closing the dispute with no updates. I have been unable to speak to a dispute representative as I've constantly been on hold - last four times the phone system informed me that there was at lease a 45 minute wait. Regular representatives say they can not detect any changes so they put me through to their dispute specialists but, as before, I am unable to reach then via phone or request a call back. 
I've forwarded the previous CFPB complaint against the creditor, on two of the disputes, so they see their feedback and have enough information to proceed with their investigation along with other info. Experian though have alerted me that the disputes have been updated but when I log into my Experian account the dispute results remain the same in their before and after state. The account still lists as a negative record on my credit report with Experian refusing/ignoring the dispute information sent to them.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive tried multiple attempt to have information on my credit report blocked. Due to collection agencies not following proper protocol pursuant to my right as a consumer involved with Title 15 U.S.C. These companies have not been doing what is fair and equitable to me as a consumer, as my rights have been violated. I have sent dispute letters explaining the issues, and no proper remedies were made. 

Dates I contacted these companies : XX/XX/2022 ( Transunion CRA ) XXXX : {$3900.00} XX/XX/2022 ( XXXX CRA ) XXXX : {$4600.00} XX/XX/2022 ( XXXX CRA ) XXXX : {$7800.00} For reasons of inaccurate reporting of accounts on my credit file. 

They did respond just not in a timely manner but informing me that all account were accurate but with no proof of any kind shown to me.

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 2018-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Bank of America stating that they are closing my checking and savings accounts in 30 days. They will not provide me with any information as to why this is happening. I have had the accounts for more than two years and have always been in good standing with BoA. I have called the number on the notice and no one will help me. I know I am being treated unfairly, and I want answers

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 2023-08-09
Company: Prosper Marketplace, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I signed up for text alerts with Prosper for f them to send me a text when my payment was five days before it was due. I also signed up for email that would tell me when my account would be due in five days. I did not receive an email and I did not receive a text. I was then alerted on XX/XX/XXXX at XXXX XXXX through an email that my bill was due. However, my bill was actually due on XX/XX/XXXX. This means I shouldve received an email on XX/XX/XXXX and a text on XX/XX/XXXX. I did not receive either. On the afternoon of XX/XX/XXXX at about XXXX XXXX I received a text and an email telling me that they lowered my credit limit from {$2500.00} to {$850.00}. I called immediately and asked what happened my credit score did not decrease and I did not owe a payment. They told me I did owe a payment, and I explained that I received no notification of this when I had signed up for all email and text communications. The lady I spoke with instructed to me that she was sorry there was nothing she could do. She indicated they would re-review the account within a year. I told her I could pay the minimum due, and would have had I known that it was due. I asked if there was any kind of grace period or if there was any thing they could do to help me out since I have been a loyal customer. She apologized and said no. 
I am very frustrated with prosper, and disappointed that they would treat a customer with such little regard. Such a decrease in credit limit affects my credit significantly.

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 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX, and Transunion have done nothing to assist me with the identity theft, fraudulent loan in my name, or to bother correcting personal information on my credit report. In XX/XX/XXXX I was called at work by a credit card company to confirm I was trying to make a purchase over 50 miles away. I declined the purchase, contacted XXXX XXXX and then tried to file a complaint with the XXXX XXXX Sheriff 's Department. The deputy was rude and threw the paperwork at me. I have filled it out and sent it to at least one of the credit reporting companies only to have it stay on my report and I am still denied access due to the wrong phone numbers and addresses being on my report. I have never lived in Florida or Oklahoma and yet there are phone numbers for both and one address - all of which are wrong. I also do NOT have two Social Security numbers and yet they are claiming I do. I am not able to access a credit report and last received one after threatening to seek legal counsel yet again from XXXX. 

A creditor is also claiming I took out a loan in XX/XX/XXXX when in fact no loan shows up on my credit report nor did I take out a loan. All three of the credit reporting companies have failed repeatedly to bother correcting the wrong personal information as well as incorrect financial information. 

I have sent in reports and personal information to identify myself frepeatedly and see no point in doing so again since I have been repeatedly denied my rights as a U.S. citizen under the Fair Credit Reporting Act. My records have been inaccurate and I have been denied the correction due to me by this act as well as by applicable laws. I will not be paying incompetent corporations that make money off of selling my personal information in disgusting acts where I was never asked for permission {$10.00} or more for a credit freeze that a criminal can just take off. Due to the hacking and gross negligence of XXXX I do not feel comfortable handing these corporations any more of my personal information since they have proven they are incapable of safeguarding it, let alone keeping an accurate record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: STERLING JEWELERS, INC.
State: FL
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:
I satisfied my account with Jared / XXXX on XX/XX/2022 through their attorney 's office XXXX XXXX PA. I have attempted multiple times to get a letter from Jared / XXXX directly showing my account s a {$0.00} balance or settled in full. I keep getting the run around and my credit has not been updated. This is now affecting the purchasing of my first home which was set to close on XX/XX/2022 and now has been delayed. This is the only item that is keeping me from closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am filing a complaint against Roundpoint Mortgage Servicing Corporation regarding their handling of my transfer of my mortgage in the final stage of the modification process. I filed for loan modification in mid XX/XX/XXXX. Over the course of the next year I submitted documents as requested by XXXX and in XXXX of XX/XX/XXXX my modification was approved and I was asked to make XXXX trial payments due in XXXX, XXXX, XXXX & XXXX. I made the payments & called them back in XXXX & was told that suntrust would send me the documents to make them loan mod permanent. I received the final loan mod docs & signed, notarized witnesses copies were delivered to them on XX/XX/XXXX. On XX/XX/XXXX my loan was transferred to Roundpoint Mortgage Servicing Coprporation. I contacted them on XX/XX/XXXX just to let them know about the loan modification. Roundpoint asked me to email them a copy of the loan mod docs to speed up getting the information put into their system. Since that date, Roundpoint has asked me to send the documents to them XXXX more times and they have done nothing to update my account accordingly. I contacted XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX to have the executed loan mod docs sent to Roundpoint and they were never sent. I filed a CFPB complaint against XXXX on XX/XX/XXXX and through their investigation, they found my signed final mod docs and they have now said that they executed the documents and they are sending them to Roundpoint so that Roundpoint can update their system with the new terms. I spoke with Roundpoint and they said that they would have to have the documents reviewed again by XXXX in order to finalize the loan modification!!! The loan was already modified by suntrust and Roundpoint needs to accept the new term and update their system. Also, Roundpoint has lost or misapplied my XXXX payment. I am also being told by Roundpoint to continue making trial payments even though my trial period ended in XXXX!!! Also, Roundpoint is charging me a {$15.00} inspection fee because they show my account as past due because they are not applying my payments properly! I need for Roundpoint to update their system as soon as possible so that I can have my payments applied properly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently have been working with all credit bureaus to update my information. My information was updated and all names and addresses were removed to reflect one name and current address. However recently Experian, XXXX, and XXXX have put many names and addresses as reporting onto my credit reports. This is a direct violation of the Fair Credit Reporting Act. Under section 609 of the Fair Credit Reporting Act ( FCRA ), federal law protects consumers from unfair credit and collection practices. My credit report has inaccurate information on because of the credit bureaus inaccurate reporting. It is negatively affecting my finances. This inaccurate information should not be on my credit report.

If continues to happen these are willful violations and namely actual damages by the top 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX from the University of XXXX in XX/XX/XXXX. In XX/XX/XXXX I was diagnosed with a XXXX. Working as a regional airline pilot during time of medical leave we are not paid. During this time I was unable to pay my extremely high student loan payment of {$1000.00} a month. After contacting the lender they offered no assistance with lowering or modifying the payment to become affordable while on medical leave. With this the loan went into a state of past due and has damaged my credit to the point where I can not get approved for other consolidation loans to fix this issue. Wellsfargo also stated that I can not receive a loan modification because my co signer and myself still meet the requirements for a loan with them. However we were recently denied a request for a new consolidation loan with them. Making less than {$20000.00} a year a minimum payment of {$1000.00} should be restricted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made an accidental transfer from my BoA Checking Account to my BoA credit card Account. The amount was {$17000.00}. 

My intent was to transfer it to my BoA Savings Account. 

Im presently not working and this is ALL of the money I am living on for the next 4 months. 

It happened on a holiday, XXXX XXXX XX/XX/XXXX and the bank being closed I waited until XX/XX/XXXX to call BoA and request a cancellation. I was told that I would have to wait for the transfer to post before anything could be done. 

It posted on XX/XX/XXXX to my BoA Credit Card account and when I called was told a message would be sent to the Resolutions Department and it could be anywhere from XXXX days for a refund. 

3 days later I called to get a status update and determine where in the process it was because I had not received any receipt or indication on my account that anything was pending or being processed. I was told by the receptionist that it would be 3-6 days because it was within my own accounts. 

6 days elapsed and no call. The 11th day elapsed and no reversal of transfer. So I called and was told it may be at the end of my billing cycle which is the XXXX of XXXX. Thats completely unacceptable. The phone receptionist/teller was unable to transfer me to anyone to further explain why this is happening. 

I have no idea why its taking this long or if this information can be trusted. I am living on this money and need to pay bills and no one can give an accurate picture of whats going on or why or when it will be resolved. The tellers/receptionists Im speaking with arent being consistent or giving me the impression they have any idea what theyre talking about and wont allow me to contact the resolution department or a supervisor to determine the issue. 

XX/XX/XXXX will be a month my money will be tied up and theres ZERO indication that it will be ready at that point as theyve been wrong 2 times before. How will I pay bills? Rent?

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 2021-02-10
Company: Santander Consumer USA Holdings Inc.
State: MO
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:
On XXXX XXXX I was involved in a head on collision that left the XXXX XXXXXXXX XXXX completely totaled. The XXXX was towed to the tow lot while I was rushed to the emergency department. I called Santander XXXX XXXX to inform them what happened. They explained to me that the car had Gap Insurance on it and that if it was completely non salvageable that it would be taken of my record. I called the XXXX XXXX lot to check the status of the car they stated it was in the lot still. For 3 mths I was given the run around from Santander stating their insurance person said it is not salvageable and that they couldn't use it for parts. I called the tow lot to see if I could get my belongings in the car the tow lot supervisor instructed me that I could do a release of property with them. I went to complete the process and was told that Santander picked up the car. I called Santander where they stated they hadn't picked it up and than referred me back to XXXX XXXX XXXX. XXXX XXXX XXXX stated it was picked up on XXXX XXXX by Santander. Santander than stated they picked up it as a REPO, which in their definition a REPO is for Non Payment not due to a accident. My XXXX was still and still is in the XXXX XXXX XXXX waiting to be auctioned off. According to the tow lot they can't auction nor go in the car due to it being a biohazard with XXXX  and XXXX  on the driver and passenger seats. The windshield and back seat having extensive damage. The car is in no shape repairable nor able to have parts sold from it. 
On the credit report Santander stated it was a natural disaster but on the next line stated it was a Repossession. My car note was due the following week of my accident and when I called to info the lender they stated they hadn't known about it but would know within a few days and appreciated me calling right after it happened and that it would be written off since it was due to a accident and they would send an adjuster to verify the damage. I stated I was going to have my adjuster come out Santander stated that would be fine but I later found out they sent a request for their adjuster to go out and I was charge for him to go out as well as for Santander moving the car from the XXXX XXXX to the other parking lot instead of allowing it to sit until I had received my belongings or spoken to both XXXX XXXX and Santander to find out the next steps in this horrible ordeal.

The report states a natural disaster and repo it isn't the later part but the natural disaster, I just want this to be solved and me to stop going back in fourth communicating with parties that should've properly document and spoke to me regarding the car situation since it was mine and I had majority belongings and business artifacts in the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I sent a letter dated XX/XX/2023 to Equifax disputing an account reported on my credit. 
This letter was sent out as written below : XX/XX/2023 Dear Equifax, I am writing to you because I have recently reviewed my credit report & I found several discrepancies in the below account you are reporting. 
I previously requested that you provide the original contract for the item that I previously disputed that are listed below. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 
Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount. 

-Account Name : [ XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Original Merchant Balance Amount : {$7400.00} Collection Balance : {$7400.00} You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX XXXX This was the second letter sent due to receiving a response to my first letter where only one account was removed. And no further information regarding the above account in dispute. 

Ive received the Domestic Return Receipt For the letter sent out on on XX/XX/2023 and so I know its been received as of XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: Experian Information Solutions 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 file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. US DEPT ED XXXX {$1800.00} DEPTEDXXXX  XXXX {$2100.00} XXXX XXXX {$1800.00} DEPTEDXXXX   XXXX {$2900.00} DEPTEDXXXX XXXX {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/23 I received money from my sister in XXXX and went to collect it I was told by the agent that I was blocked from all transactions with Money Gram.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: NC
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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