BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$940.00}

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 non-monetary relief
Consumer complaint received 2017-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am writing in hopes of getting some satisfaction with regards to a foreclosure process gone crazy.     I had a deceptive Loan Originator give me a Home Equity Line of Credit I did not ask for. Unfortunately, due to a family medical emergency had to use.     Paid on it no problem, after being a Primary care-giver for nearly  XXXX  yrs. ( and not working  )  my  XXXX  passed, the next year Bank of America tripled my payment. I could not afford this and tried to get it modified, they kept changing the person I sent docs to and kept having re-do everything. This went on for months, then they said we ca n't offer any hardship programs because you are a good pay. You will have to stop paying in order for us to do anything.     So I did, then they started with foreclosure letters, then mandatory mediation before foreclosure. Spent months in this program, finally back working, now I do n't ( ca n't ) qualify because they are adding in all their extra late fees etc. and now want {$1500.00} a month.     Btw, this whole time, I have been a customer for  XXXX . NEVER late on my primary mortgage.     Now, they have blocked my account, I am trying to get reinstated and they have added over {$5000.00} in fees to a {$4700.00} past due. While trying to see if they could waive any of them, the figures became outdated?  ( 10-15 days )  NOW they want to charge me {$13000.00}?????????????? BUT, they wo n't even let me wire anything because, well, I do n't know why.     HOW can they continue to get away with this treatment of customers??? IF you ca n't help me WHO CAN??? Please I am absolutely devastated and now apparently broke as well.     Sincerely,  XXXX   XXXX   XXXX  day # m, w, th, fr -  XXXX  home #  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 2022-03-27
Company: AmeriCollect
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter out to validate a debt that was not mine. They did not provide me with any signature of mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2018 I filed a fraud complaint with Bank of America and received a new debit MasterCard which I didnt even activate for at least 10 days. Imagine my surprise when I signed into my account and discovered that yet another charge from the same company was charged to my account and another attempt was made yet again!! I did not give that vendor my new card number purposely as I no longer trust their security and no longer wish to do business with them. I purposely attempted to make a purchase which went through!!! I am not losing my mind YET but I am sure that I did not update payment info with them!!! So I decided to go into my account and was shocked to find mt new card number on file! I contacted Bank of America and after over two hours on the phone found out that as a COURTESY to me they give vendors your new number! I did no9t authorize it was not consulted about it, nor would I have allowed this to occur! The only way to get my money back was to file yet another complaint against the vendor! I allowed this against my better judgement because I feel whoever gave out my new information should be responsible for this charge!!! This is not a courtesy its a breach of trust rendering obtaining a new card a worthless action on my part! Who are they to hand out my financial information to anyone! I was on the phone for 3 hours with them only to be told they have no idea who does this COURTESY however they know it is done!!! I am insensnsed and so angry with the breach of trust in this institution for handing out my financial information!! I told the rep I was speaking to that I was going to contact your agency and she advised me to do just that!!!! Im sorry but I feel this can not or should not be legal!!!!!

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 2023-05-01
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you Please block/remove these items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/2014 XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2014 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-08-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
1. As of XX/XX/2018 my Federal Loans disappeared from my acct. I double checked with navient and they couldnt find them. I had no way to pay them. I checked on student loans.gov to check if my loans were still active and with Navient. 
2. I then was blocked off the website. Now both private loans and Fed Loans are not visible online. I opt you for paper statements. I have no way of viewing my loans or paying them online. 
3. I have been calling them for over 3 months regarding website issues and they have done nothing. I have been harassed for payments but they do nothing to allow me to view my loans to pay them. I been told they have a note in my acct regarding my issues. But no one has helped me in 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we lost our home in a wildfire in CA. We entered into the forbearance department with our mortgage servicer ( 5/3 bank ) in XX/XX/XXXX. We came out of the forbearance department on XX/XX/XXXX, discussing with 5/3 bank the options for full payment vs. a loan mod at that time. On XX/XX/XXXX, I mailed two checks in - 1 for the normal monthly payment of {$1900.00} to cover XXXX mortgage payment, and another for {$7500.00} which is what 5/3 and I discussed as going toward the forbearance amount, potentially considering to do a loan mod for the remaining balance at that time. Two weeks later I spoke to 5/3 bank about a potential loan modification and decided instead to pay off the amount due in full and sent a check for {$11000.00}, cashed by 5/3 bank on XX/XX/XXXX. 

The total forbearance amount of {$19000.00} was paid in these two payments described above ( {$7500.00} + {$11000.00} ). All monthly payments moving forward were paid on time. Despite receiving these funds and cashing my checks, 5/3 did not apply my funds to the balance due until XX/XX/XXXX. At this point they have declared to credit agencies that we were past due for XXXX, XXXX and XX/XX/XXXX, despite having cashed our checks and leaving unapplied funds on our account until XX/XX/XXXX. 

We are requesting that 5/3 bank resolve this issue by clearing this incorrect information up with the credit agencies. We were never late on any payments. There was confusion when we came out of forbearance with 5/3 not applying our {$19000.00} in payments toward our open balance. This error is that of 5/3 banks and should not be impacting our credit score. I called and spoke with over 6 personnel between XX/XX/XXXX and XX/XX/XXXX in 5/3 banks customer service department and asked them to apply our funds, with no success. 

To date, they have finally applied our funds ( showing on XX/XX/XXXX ) but have not corrected this issue with the credit agency. I have since called on three separate occasions asking them to deal with this issue internally and have gotten nowhere. I have received mis-information, had the call dropped with no return calls, and have received very low quality customer service. No one can tell me why my funds were not applied and no one is giving me a path toward resolution to fix my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: SD
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:
I disputed an adverse account on my credit report. I disputed with all  XXXX  credit agencies : Experian,  XXXX   XXXX , and  XXXX . I had a student loan with  XXXX   XXXX  which was opened in  XXXX  and the first reporting date was  XXXX  based on Experian 's updated report. It was delinquent. The account was purchased by another company and paid  XXXX   XXXX  in full in  XXXX . According to credit bureau information, delinquent accounts should be removed  XXXX  years after first reporting  (   XXXX   ).  Therefore,   XXXX   years would be   XXXX   XXXX  . Why is this negative account STILL on my report after  XXXX  years has passed? This negative information is causing me problems in getting a job.

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 2017-05-10
Company: EQUIFAX, INC.
State: WI
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 have a reported a fraudulant account on my credit report several times to Equifax. I was told I needed a police report in order to prove identity theft and request any removals, which I have done.   I requested proof of my signature for validation of debt. The credit bureau did not provide any proof of requested verification, after I have stated it was a fraudulant account. Equifax stated it was verified, but with no proof of verification and stated they are not required to provide proof.   I have sent police reports and affidavits. The said company could also not provide any proof of my signature verifying debt, stating they didnt h ave one on f ile, so how did the credit bureau verify debt if this is the case??. I Was told by the company reporting the debt, that the account was open online, therefore they ca n't prove if it is legitmate or not. They also, sold the account/debt, but yet, are currently still reporting it, as charged off, with a balance, past due and revolving? As you know, it is the law, that credit bureaus report accurate and complete information on a consumer report or they must remove it. Given there are several issues with this item being reported and it is a fraudulant account, I am expecting it will be removed immediatley.      Fraudulant Item  being reported incorrectly by Equifax :  XXXX  Acct #  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10
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: Their investigation did not fix an error on your report

Complaint:
Experian committed fraud and damaged  my credit score. I comp lained to a Experian associate on  XXXX / XXXX / 2017  about  XXXX  collections on my report that were wrong and low and behold on  XXXX / XXXX / 2017  Experian made the criminal action of dropping my score  XXXX  points for no other reason than spite! There is not one single solitary change on my report that would cause my score to drop in 3 days! There needs to be a government agency to watchdog over these corrupt credit reporting agencies. On their website they offer no reason as to why they dropped my score  XXXX  points and I checked the other agencies my scores actually went up so I only can figure Experian has broken the law and damaged my credit for no legitimate reason. I 'm getting tired of having to complain all the time with the corruption that goes on with these agencies. I know this complaint will probably do nothing and I 'll probably have to contact my attorney but I 'm trying to find a solution before it has to get to that point.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit 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 2021-06-13
Company: Diverse Funding Associates LLC
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: Was not notified of investigation status or results

Complaint:
Account Number : XXXX Original Creditor : XXXX XXXX XXXX  Amount Listed on Credit Report : {$630.00} On XX/XX/2021 at XXXX I received a call back from XXXX ( after requesting this via an automated system by initially calling XXXX ) and spoke to XXXX who advised that the total due is XXXX $ XXXX and that this was processed via the In-House Collection Agency. I was given Ticket number : XXXX regarding my call and inquiry. She advised I call XX/XX/2021 when the BA DEAPARTMENT is open. Account Number : XXXX Amount Listed on Credit Report : {$630.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, MA XXXX ***alternate name address associated with company : DNF ASSOCIATES LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. This is not my acknowledgment of its liability but there is a discrepancy in the amounts being reported as I was told {$490.00} on the phone, I see {$630.00} via XXXX, XXXX and XXXX  and none of these amounts are familiar 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 explanation
Consumer complaint received 2019-08-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get my annual Experian credit score using XXXX and received the message that " A condition exists that prevents Experian from providing you free annual credit report at this time. ''

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 2023-10-17
Company: BSI Financial Holdings, Inc.
State: NY
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:
I have carefully reviewed my credit report in 3 credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had  Wells Fargo  for over several months. I believe they have been stealing money from my checking account. I continually try to add the transactions listed on my account but it never adds up properly,  one day I may h ave a few thousands of dollars but then several days later it would be over drafted without a single transaction occurring. But the second and main purpose of my complaint is because i was  XXXX  in the beginning of  2017  by the  XXXX  to  XXXX . While away my checking account took A large loss of funds by someone making unauthorized transactions in the United States. Upon arriving back  to america I a cted accordingly and notified the bank immediately afte r finding out. I was notified by my personal attorney of the The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) and did everything correctly. I also notified the bank that I have Military orders that show I was out of country but within two days after filing a dispute they denied my claim for reasons that show an investigation was not fully done. Wells Fargo stated because there was a transaction that included the entire claim of over   XXXX    transa ctions and over {$1000.00} of my hard earned money was denied.

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 2022-04-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have no knowledge at all about this account and this company is messing up my credit its reporting that the flagging my account with being 60 days late and if your not able to accurately validate a account per the fdcpa, that you cant be placing no negative information on someone credit bureaus, this company is very very wrong because they shouldnt allow someone to get any credit without proper identification to open up a account this company has failed so many people with opening up credit without properly information I can imagine all of the people that has a issues with this company and whats so sad is that they will call you and harass you about it and have these people to say you know you did it my husband is in the service trying to protect our country and this company is bogus on all levels and now they are reporting and flagging my account with fraudulent information its a pandemic out here and they dont care but to harass me without proper information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
received auto loan in 2017 after hurricane Harvey the vehicle was a total loss due to water damage and uninsured motorists disputed account and it was removed from my credit report and later that year was traded to my report. My XXXX for a XXXX XXXX  car is extreme.

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