BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
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: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX

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 2023-07-18
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Genesis /Columbia Debt Recovery is reporting a debt that was wrong and paid in a bankruptcy. I only had to pay until I moved. They also add interest to an incorrect debt monthly and report it as I have a revolving account with them When I disputed the debts on my credit reports, all have updated the information as correct when it is inc and not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a request with Nelnet back in XX/XX/2022 to receive a refund of all payments that I made during the pandemic, a total of {$5900.00}. I have called Nelnet multiple times to check on the status of this refund, of which I have only received a single check for {$1.00}. I have been waiting approx 6 months and getting vague responses with no genuine concern for the delay. I have also XXXX emails that are just copy/pasted with the same vague and unhelpful response. Beyond that... nothing. I do not feel that they are concerned with my request and I'm incredibly frustrated. 

Nelnet has records of these payments. I even had customer service check their records on the total I am owed just to confirm -- so they are fully aware of how much I am to be refunded and how long it's been taking. 

I was told that my refund request would be passed on to a supervisor but unfortunately have still seen no " escalation ''. I have decided to make a formal complaint as I feel I've waited patiently for far longer than I was promised ( initially XXXX weeks, but now I've waited for 20+ weeks! ) and I am desperate for results. Half a year for a refund does not seem acceptable whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had an ongoing issue with Bank Of America ( BoA ) Bill Pay for over a month now. 

I opened a joint savings account for me and my wife to pay our credit cards with. Bank of America ( unlike all our other credit cards ) does not allow savings accounts for Bill Pay. I asked a BoA what I should do and she told me to add the savings account as a checking AND money market account on bill pay and the system would be fine. It turns out this was awful advice as it cause a fraud alert on the system ( trail deposits were rejected by my savings account as BoA had an account type mismatch ( calling it a checking/money-market when it was a savings account ). BoA has not disabled my Bill Pay and have prevented me from unlocking the Bill Pay. I am unable to add any new accounts to bill pay and I can not pay my credit card online or set up auto pay. Not allowing a customer to set up auto pay is a predatory process and BoA has offered no resolution on how to fix the issue. 
The only resolution I was given that could " possibly '' work is to send in a paper form ( or fax... who uses fax?! ) a voided check to prove account ownership. I can not send a voided check as this is a savings account... not a checking account which I told them over and over and over again. I sent documents proving proof of account ownership ( bank statement, direct deposit form, online banking screenshots ), but they stated they received nothing and it has been over a month since these documents were sent. 
They have no provided any verification that my online account will ever be unlocked and continually do not provide any assistance on fixing this issue. 

All I want to do is add the joint checking account to pay our credit card bills ... but BoA is making this impossible. 

They are requiring ANY new accounts to be added have to be mailed with a voided check to a random XXXX XXXX in Ohio... so i have to send my private account credentials to a XXXX XXXX in Ohio. They state I can still make payments over the phone ... which is not a simple and easy process and just makes paying my credit cards harder. 

They have made paying my credit cards a excruciating task and offer no assistance to fix anything. 

I have already sent them required documents and they have provided no resolution.

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 2023-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Capital One credit card I had originally on my closed account call it account XXXX of {$280.00} it went up to {$290.00} for a full pay off I paid the {$290.00} in full I will download the online reciept, ive tried to send the conformation reciept that I paid through XXXX several times it will not let me load it except once the company keeps stating there information is correct I have a new different account XXXX I with Capital One credit card that is a totally different account I paid {$95.00} dollars for a secured card that in there policy states after XXXX to 9 months I would receive the {$95.00} as a credit towards my bill for my # XXXX open account that I owe nothing on its been 2 years ive yet to receive that temporary deposit for the # XXXX open account, also Capital One credit card mixes my closed # XXXX credit card account payments with my # XXXX open account payments I want the {$290.00} XXXX they charges me for the old # XXXX Capital One credit card account off my credit report immediately the dates are all in accurate for the XXXX I've opened my first card with them if you ask for there account dates and payments it's shows even though I owed {$280.00} for the first card they opened another card while I owed them for the first account that they claim I did not pay I have the reciept reference number date amount {$290.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened an account at Truist with a {$50.00} deposit. They immediately marked it as fraud. I thought Truist closed it. However, they have been charging maintenance fees which has depleted the {$50.00} and caused {$20.00} in overdraft fees.

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 2023-04-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My identity was stolen middle of XX/XX/XXXX. I was unaware that this had happened I have had not used or had any use for my credit until early XXXX. Upon viewing my report it was disclosedto me that multiple attem where made to obtaincreditin my name that I did not authorize. I have filed a police report, and placed appropriate freezes to my credit report and am now disputing after seeing the following companies accessed my credit without consent. 

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 2023-07-12
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: TX
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:
The account listed on my report with XXXX XXXX XXXX, ending in XXXX, has accessed and misused personal information and has not removed the account per our prior agreement to do so with payoff. In accordance with The Fair credit reporting act This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I would get overdraft fees when sufficient funds were available in my account in 2019, i was charged more than {$100.00} in overdraft fees and i couldnt understand why

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 2022-11-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a checking and credit account with Wells Fargo. I had a full account breach where someone accessed my account, and emptied my account via wire transfer. I received a phone call from someone claiming to be a Wells Fargo rep stating there is suspicious activity. They stated that someone accessed my account and added themselves as an authorized user and turned off my alerts and activated wire transfer. This is part of the scam. They stated I would start getting emails alerts from Wells Fargo about the wire transfer and and email about suspicious activity, which popped up almost instantly. Because they were performing the wire transfer while I was on the phone. Then they stated i would start getting text messages with codes to verify my identity and needed to give her the codes. The scam was to keep my on the phone for like XXXX hours while someone impersonating my was on the phone with Wells Fargo at the same time using the codes i was reading to them to approve the wire transfer. They had access to my account during this process and Wells Fargo denied my claim stating that because myself or somebody else had access to my online account they could not give my money back

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 2017-08-23
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ) .We have been advised that the loan does not qualify for a loan modification due to the income submitted showing the ability to afford. The client income submitted is roughly 10,000. with expenses around 8,000. We feel the lender has failed to take in to account the borrowers change in circumstances and ability to now pay due to the change in hardship. We feel the lender has handled the file improperly and failed to consider all factors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a mortgage in early XX/XX/2019 through XXXX XXXX XXXX XXXX, XXXX. I mailed in my first mortgage payment in late XXXX. On XX/XX/2019, I called XXXX XXXX to confirm they had received my check.They had not. On XX/XX/2019, I drove to XXXX XXXX 's physical location to drop off a physical check to ensure that I was not late for my first mortgage payment. To further ensure I would not be late, I dropped off checks dated XX/XX/2019, XX/XX/2019, and XX/XX/2019, which according to the receptionist was acceptable. Each and every payment amount in this situation is for {$1700.00}. 

Specialized Loan Servicing ( " SLS '' ), serviced by XXXX XXXX , XXXX, assumed my mortgage on XX/XX/2019. They applied the XX/XX/XXXX payment to my account, as well as some left over funds from escrow. I woke up on XX/XX/XXXX to discover that SLS had cashed the XX/XX/2019 check. I quickly set up an account on the SLS website to discover that it had not yet been applied to my account. I called SLS and voiced my concerns and they told me that sometimes it takes a few days for the payment to process. 

Checks XX/XX/2019 and XX/XX/2019 were returned to the address on the check with a note saying they did not accept post-dated checks. 

I checked the SLS website again on XX/XX/2019 and saw that it still had not been applied. 

When I checked the website on XX/XX/2019 and saw that it still had not been applied I called and provided proof that the payment had been withdrawn from my account via bank statement stating that SLS had converted my physical check into an electronic check and then cashed it. SLS opened a research ticket into this matter on XX/XX/XXXX. 

I called back on or around XX/XX/2019 to inquire about the status of the research ticket. I was informed that these matters take awhile and that I should permit about 10 business days from the opening of a research ticket. 

Today, XX/XX/2019, I called to check up on the status of the research ticket. My complaint was dismissed the previous week as resolved because the researcher thought the issue dealt with the returned checks. Not only was the researcher blatantly wrong, I was never notified of the decision. I spent 30 minutes on the phone describing the situation exactly. SLS opened another research ticket and I was told to expect a resolution within 30 days. 

I do not trust SLS to understand this situation, nor to resolve this matter as desired. I further fully expect to have fines applied to my account for late payments because I will not send money to SLS because I do not trust them to actually apply it to my account.

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 2023-09-06
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
Equifax continues to violate state and federal laws in the displaying and reporting of an account not belonging to me. This account has been disputed on multiple occations and consumer reporting agency says account comes back verified and belonging to me. Consumer has built a claim through administration process and hold Equifax to a default judgement for failure to properly and timely respond to the inaccurate information on my consumer report. This is notice of proof of claim and intention to sue. Consumer demands {$15000.00} remedy or face federal lawsuit for violations against FDCPA, FCRA, CCPA, FTCA, ECOA, PA and Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
In response to the two previous complaint numbers, XXXX XXXX, that I, XXXX XXXX XXXX have filed against TransUnion, in which you claim I am not an authorized party on the complaint. 
As a result of your continued stall tactics in your attempts to disregard the law and not investigate my complaints in a timely manner, I have to advise you of the following. If you continue violating my consumer rights, the next complaint will be complimented by a legally binding FCRA 616 and FCRA 617 Statement of Affidavit, outlining the compensatory damages that I am owed as a result of your non-compliant behavior and violation of my consumer rights.

Thank you and God Bless My name is XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

Accounts showing erroneous reporting patterns or unverified XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX #  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. On XX/XX/XXXX, TransUnion Consumer Solutions responded to my CFPB complaint with illogical, erroneous and incoherent account activity. I have attached a copy of such FCRA non-compliant account history to this CFPB complaint 2. On XX/XX/XXXX, I sent TransUnion a copy of such non-compliant FCRA reporting errors which I specifically pointed out the gaps in reporting activity or lack thereof. I also pointed out in clearly defined terms of the inability of Transunion to provide me with clear proof that they have conducted a thorough investigation into the validity of these four accounts.Suchdocumentation was received by Transunion on XX/XX/XXXX. 3. TransUnion responded to my dispute on XX/XX/XXXX and XX/XX/XXXX by sending me virtually no changes to the reporting of these accounts nor did they follow FCRA guidelines and delete these accounts 4. I have attached proof of these reporting errors along with USPS receivable documentation. Note : XXXX XXXX XXXX XXXX  - XXXX  XXXX # XXXX hasn't reported since XX/XX/XXXX, and FIRST XXXX XXXX XXXX XXXX XXXX has reported unknown activity on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX yet both accounts still appear on my credit report as active accounts. This does not in any way satisfy FCRA guidelines. There's no way for TransUnion to verify, nor can they explain the gaps in reporting activity. Please delete both accounts 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 explanation
Consumer complaint received 2022-11-06
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief