BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: DISCOVER BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was scammed by a company called XXXX. I purchased XXXX hours of cleaning. They performed 2 hours of cleaning and promised to reschedule the other. Each time they would reschedule, they cancelled. After several times over the course of 10 days of them cancelling these rescheduled appointments, I told them to cancel my account. Because I cancelled the account, I was charged {$120.00} cancellation fee. 

I called Discover Bank about this scam. The first representative hung up on me after I told her I wanted to hold for a manager. I called back and got the same representative again and immediately requested that she transfer me to someone else. Once transferred, the second rep told me that Discover Bank does not investigate or cover scams. She suggested that I keep trying to work with XXXX for a refund. 

XXXX does not have a telephone number to call. I have been emailing them continuously and they refuse to issue a refund. I offered to send Discover Bank the emails so they can see that I was scammed and this is a fraudulent charge and they said it didn't matter what the email said because they do not investigate scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX  Account # XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-07-21
Company: EQUIFAX, INC.
State: NH
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the executor of my brothers estate. On XX/XX/XXXX  the estate attorney told me I was entitled to a fiduciary fee in the sum of {$37000.00}. I wrote a check to myself from the estate checking account for that amount and deposited the check to my personal checking account at Bank of America ( BOA ) in person on XX/XX/. I was told by the teller at BOA that a hold would be placed on that deposit until XXXX XXXX  on XX/XX/2023 per BOA policy for large suspicious deposits. I assured the teller the estate check was good and would clear overnight. She said there was no way the hold could be lifted before XX/XX/. 
On XX/XX/XXXX  I went online and checked the estate checking account balance at XXXX XXXX . The online account confirmed that the check ( # XXXX ) had been paid and the funds withdrawn from the estate account on XX/XX/. 
On Tuesday, XX/XX/XXXX  I went to the BOA branch office on XXXX XXXX XXXXXXXX in XXXX, Ohio. I spoke with banker XXXX XXXX. I showed her a printout from the estate checking account showing that the check I deposited on XX/XX/XXXX had been paid and received by BOA ( see attached ). I asked her to lift the hold on the check for that reason. She said there were no exceptions to BOA hold policy and the funds would not be available until XXXX XXXX  on XX/XX/.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: HomeTown Lenders, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX I started the process to refinance my mortgage through XXXX XXXX XXXX. As the process proceeded I found out I would be relocating for work so refinancing a house I was about to sell made no sense. After speaking with XXXX XXXX from XXXX we stopped the refinance and switched the application to a conventional mortgage. As I started my relocation process I requested my pre approval letter from XXXX. He provided a pre approval letter dated XX/XX/XXXX that stated " The loan approval is continent upon preliminary title and satisfaction property appraisal, and down payment being verified ''. 

On XX/XX/XXXX I submitted an offer on a house and it was accepted. As we went through the process I paid {$2400.00} in earnest money and began the process of getting the home appraised and inspected. On XX/XX/XXXX after days of trying to get a response from Mr. XXXX regarding the status of the loan he finally responded saying that he had to re-run my credit and was no longer able to offer an conventional loan. The neighborhood I was moving to did not allow FHA loans so I was unable to purchase the house. I followed up with a question to XXXX and to this day have never heard a response. 

Due to this, I lost the amount for my earnest money, inspection, and appraisal. Furthermore, I was forced to begin the home buying process over again with approval from a different lender as an FHA loan. This caused me to have to live in a hotel, and incur multiple other unnecessary expenses until I was able to find a home, get the offer accepted, inspected and closed while using another lender. 

This could have been prevented by XXXX running my credit for pre approval from the beginning instead of just using the same credit report from the refinance for the pre approval letter. 

I previously had my mortgage refinanced with XXXX and it was a pleasant experience. I would think that a repeat customer would be treated better.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA Ford Motor Credit XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX To Whom It May Concern : I have previously sent you a request to validate my debt, account number xxxxxxx on XX/XX/2022 Requesting to be provided : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Under, the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation that you did receive my letter on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In reference to CNAC-TX XXXX # XXXX account. 

This is my FIFTH REQUEST asking you to remove the unverified account. I have disputed this account several times online and in writing with no resolution. This account still remains on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT verified or you can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been disputing several items on my credit report for some time now. I have disputed several public records that they are refusing to remove because they state that they have verified the account. The first account is a judgment for XXXX. First and foremost the amount of the judgment is incorrect. The amount that was owed was XXXX and it was paid in full. The second is another judgment for XXXX which is a balance that I never owed, and last but not least a BK Chapter XXXX, which the district court notified me by mail that they do not report to the credit bureau. I have been disputing these items for over three years and I am hoping that you guys can help me solve this issue. I have been told by the courts for all XXXX judgments that they have not physically or intentionally reported to the credit bureau any information regarding my judgment and this is a issue that I must dispute with the credit bureau. I have been fighting with them for the last three years and I am not sure what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
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:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Depo has placed an escrow account on my loan after I refinanced one year later and refused to accept my loan payment claiming that i need to pay not only my normal loan amount but also the escrow fees for property taxes for the next year. When I paid the loan amount they returned the funds to me stating they refuse to accept any partial payments. I have tried repeatedly to work with them but they now have double my monthly payment from {$4700.00} to over {$8800.00} a month in an effort to foreclose and take my home away from me and my family. This predator lending in the US must come to end. People like myself are losing our homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: PA
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:
Reviewed credit report in XXXX and noticed Account Balances and Collection accounts and balances reporting that were not mine ( from XXXX ). Filed disputes with Experian, XXXX  and XXXX, reached out to the collection agencies and no one has validated these amounts. I have received statements of balances, but nothing that bears my signature or details the amounts they are trying to collect. I have asked the reporting agency as well as the collection agencies to provide validation, descriptions of what makes the amounts up ( detailed ) as well as authorization, such as a signature -- nothing has been provided, nor have the accounts been removed. Do believe XXXX  listed as a closed status, but these should be removed. In addition for accounts that they have reported as opened in XXXX or prior, they have not reported the credit history, only an ending balance that again has not been validated.

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 2019-09-03
Company: Total Card, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I closed this credit card account months ago. I received a bill and noticed that I was still being charged interest and fees. This is defrauding consumers. There is no way that I should still be charged interest and fees when I received a final bill months ago. This company needs to be researched and fined. Im sure this isnt the only complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
They keep trying to report this debt to my credit bureaus. This apparently was a credit card that someone opened in my name. This company needs to verify and validate this debt. I tried resolving this with them but they do not respond back. I would like to see the paperwork showing the purchase of this debt. I have tried disputing numerous times and they keep sending a generic message that says the same thing each time. This is my final time disputing this before taking this to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
TransUnion doesn't like to respond to my dispute ( XXXX ). The other bureaus deleted immediately upon investigation TransUnion just responds ( if at all ) with generic XXXX. response letters about not understanding what I want. It is sad that i've had to send SO MANY LETTERS I actually know what the letter will say before I open the envelope - and it won't be about the investigation they did but the XXXX investigation they failed to provide this 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 2019-06-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I received a response from Equifax to a verification I submitted on XX/XX/XXXX. The response ( # XXXX confirmation number ) stated : In this situation * We request that the reporting company verify the accuracy of the information you disputed * We provide them with the relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation ; and * We request that they send Equifax a response to your dispute and update their records and systems, as necessary Here they outline their procedure for investigating my dispute and within their results of their reinvestigation ; The information you disputed has been received. The results are : inquiries area a factual record of file access. If you believe this was unauthorized, please contact the creditor. 

This does not indicate that their was an investigation into the accuracy of the inquires on my credit file. They did nothing but state they believe the inquires to be accurate. 

This will be the 6th attempt to have inquires removed from my file that I did not authorize. I have been successful having other removed once they actually did a investigation. Some creditors have no record of these inquiries and unwilling to give a letter to state so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As of XX/XX/2023, LVNV is still reporting inaccurate information on my credit report. I do not believe I owe what you say I owe. Therefore, I dispute this debt. I am aware of my rights under the federal and Florida Fair Debt Collection Practices Acts ( FDCPA ). Also, the statute of limitations for collecting this type of debt in Florida has expired as per https : XXXX and according to XXXX, XXXX XXXX XXXX The limitation for collecting on this debt which is an open-ended account is 4 years. 
This is LVNV formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop reporting erroneous information on my credit report as per consumer law 15 USC 1681b ( a ) ( 2 ). Consent is needed for everything reported on my credit report. When was consent given to you to report this collection? It was apparent you ignored it the first time. Also as per consumer law 15 US Code 6802 - Obligations with respect to disclosures of personal information section B1 ( Opt Out ) it states a financial institution may not disclose nonpublic personal information to a nonaffiliated third part unless such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party. 
In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law. LVNV did not give me this right. Again, it was ignored. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Acts a serious violation of the law and will immediately report any violations to my State Attorney General and the Federal Trade Commission and take whatever legal action necessary to protect myself. Be advised that I tape record all phone calls. Violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident. I want this collection to be removed from my XXXX and XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have retained new copies of my credit reports, and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you received on XX/XX/2018 per CFPB. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

XX/XX/2018 Hello, Thank you for your complaint XXXX about XXXX. We've sent your complaint to the company for their response. 
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 
You should receive a status update within the next 15 days. 

Your company responded on XX/XX/2018 and still failed to place a notice to dispute to the 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