BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
I can not view my credit Report, Credit Score or Submit a Dispute from my Transunion account. I have been working with Transunion to address this issue for the past two years. But unfortunately, nothing has materialized thus far. 

I have provided them with all the requested information ( Copies of their Driver 's License and Social Security Card, Letters, calls, etc. ). Yet, every time I speak with a Transunion representative, I get the run-around, and after hours of hold time on the phone with them, nothing gets fixed.

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 2022-10-18
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XXXX XXXX, XXXX, I contacted Avant LLC to transfer my balance in the amount of {$320.00} to a lower interest rate credit card. I was told by the Customer Service Rep that it wouldn't be a problem long as my account was in good standing ( which it is ) and the interest rate would need to be lower than the rate offered by Avant ( which it is ). After being placed on hold for 3 minutes, the rep informed me that I could not transfer my balance. I asked why not? Her response was it was Avants policy that they do NOT allow balance transfers. However, they will accept balance transfers from other credit card companies. I informed the rep that what she was telling me was NOT included in the " Terms of Agreement '' when I opened the account. She said that it is their company policy, and it isn't disclosed in the Terms of Agreement. I asked to speak to a supervisor. I was on hold for 20 minutes waiting to speak with a supervisor. The supervisor informed me that they do NOT honor balance transfers. I asked if the information she was providing could be mailed, emailed or faxed to me and she stated that it couldn't. I asked why not, she said the information was a company policy and could not be shared with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Account information incorrect

Complaint:
I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX {$4300.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX {$6000.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : $ XXXX $ XXXX {$3800.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT STATUS 120 DAYS LATE ACCOUNT BALANCE : {$6000.00} ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : XXXX  XXXX XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16
Company: PLAZA HOME MORTGAGE, INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Plaza Home Mortgage Inc. for several years now, I have had nothing but problems with them from the very beginning. They make it impossible to do anything very unhelpful or willing to work with people. There online site has not been available to me for several years it might work one month but not the next, tried so many many times working with there IT people and it never gets resolved. I must of spent a year off and on, on the phone many hours and nothing. I gave up and make the payment through my bank! 
Last year I had to file bankruptcy and they would NOT send my statements. OK my bankruptcy has been done and gone for several months my attorney and I made several attempts to reaffirm months before our dead line but never got a response we made several conference calls to there bank R dept and spoke with the woman handling my case she kept telling us there was not enough time for them to do it. We told her we sent what she needed months ago and there was no reason they had, had plenty of time finally the day of we called again spoke to an attorney for them and he said it was to late. Well ya, but we had attempted for several months. Nothing he can do, later that day XXXX minutes before XXXX our time they sent the fax there was no way for my attorney to get a hold of me and for me to get to his office and sign everything and fax it back in time! Also I live in XXXX and he is in XXXX which is about 20 min away! I have contacted them several times since explaining that. They just keep saying your still in the bankruptcy department and it will stay there and because you did not reaffirm we will not send you your statements! It has been close to a year now, I have no idea of where I am at or what I owe or anything! 
I have never been late with any of my payments. I have made all of my payments thru my bank and they have not sent any back! 
I happen to see on the back of an old statement in a box in all caps. 

Additional Notice to customers who are in Bankruptcy or whose Obligation has been discharged and NOT Reaffirmed : All the information contained in this Mortgage statement is required to be PROVIDED to CUSTOMERS BY APPLICABLE FEDERAL REGULATIONS PROMULGATED BY THE CONSUMER FINANCIAL PROTECTION BUREAU. 
How can they do this? And have this printed right on the back of there statement and know they have to and they refuse???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting 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 reviewed my credit report and noticed that this accounts is fraudulent I file a FTC identity report I file a police report also I reach out to the creditor got no response with the information here, such as an account opening was made without a permissible purpose. As a result, this information is inaccurate and should be removed & deleted from my credit report asa

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ON XXXX XXXX, The Consumer Fowarded Transunion a Certified mail dispute Notice having provided these accounts of : XXXX XXXX  .account XXXX XXXX XXXX .account XXXXXXXX XXXX XXXXaccount noXXXX XXXXXXXX XXXX.account XXXX XXXX XXXX.account no. XXXX XXXX XXXX.account no. XXXX XXXX XXXX XXXX.account XXXX & account XXXX XXXX XXXX .account no. XXXX XXXX XXXXaccount XXXX & account no. XXXX XXXX XXXX XXXX from which requesting Transunion to produce authorization via consumer of giving Transunion authorization in writing or in electronic form or other form clearly and conspicuously disclosing his nonpublic information to such third parties ; Transunion was informed to being a financial institution under 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) and as such, financial institution, may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) 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 6804 of this title, that such information may be disclosed to such third party ; TRANSUNION has been informed to being a finacial institution held via Federal District Circuit Court ruling citing Transunion LLC v. Federal Trade Commision 295 F.3d 42 ( D.C. Cir. 2002 ) which axiomatically places Transunion within the Gramm-Leach-Bliley Act GLBAs definition of a financial institution and is therefore subject to its rulemaking authority under 15 U.S.C. 6804 ( a ) ( 1 ). Transunion refuses to produce any and all such written / electronically filed authorization from the consumer giving Transunion authority to disclose the aforementioned accounts within such investigative matters and continues to not investigate into the law per such accounts mentioned to remove such accounts that show transactions and experiences between the consumer and the person making the report which are not to be included within the consumers report. See 15 U.S.C. 1681 ( 2 ) ( A ) ( i ).

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 2017-03-07
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a student loan that I believe was miss handles and had a lot of late fees and interest on those late fees also to include that I had to pay the late fees before they would put any money towards the payment or balance of the student loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: T.S. Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, this collection agency proceeded to try to collect funds that were NOT owed and while the litigation of the case was in process. This has been an ongoing legal issue with original creditor since XXXX. The collection agency failed to provide validation the debt all while knowing this account was going through the litigation process. The counsel for the Apartment complex has been willing to work with my attorneys to resolve this matter and they have agreed to settle this issue. I can not share all of the allegations and filings but I can share the response from their clients general counsel that proves this collection agency is in violation. This collection agency had enough proof to remove this collection while my attorney worked with their clients attorney and refused. They have damaged my credit for over a year and legal proceedings will begin.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft there has been attempts to open credit cards and car loans under my name giving me hard inquiries on my credit report that are not mine. Im attaching my identity theft report which states all the inquires that are fraudulent & must come off. I will also be attaching my license as proof of my identity. The inquiries that are fraudulent are XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XXXX XXXX I consolidated XXXX of my federal student loans. The interest rate was fixed, and I had {$20000.00} in outstanding principal. I have always made my payments in full and on time, and have even made some payments ahead of time so I am now paid in advance by 5 months. 
In XXXX XXXX I received a letter in the mail saying the loan servicer updated my payment schedule. My monthly payments went from {$130.00} to {$160.00}. It did n't make sense to me that I would need to pay an extra {$24.00} each month if my interest rate was fixed and I 've never missed a payment. I called the loan servicer to find out why the change, and they indicated that a recent review of my account showed that the amount I was paying each month would n't be enough to pay off my loan by the payoff date. After hearing this I essentially asked them, " you acquired the loan in XXXX, and it is just now being reviewed? '' and they said yes. I feel like I 've been taken advantage of, the loan servicer did not do their due diligence in managing my loan, that they did not act responsibly in handling my loan at the time it was acquired, and my trust in them has been broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information on 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 2023-02-27
Company: EQUIFAX, INC.
State: IN
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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: PNC Bank N.A.
State: MI
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 am writing to dispute the debt that PNC Bank is attempting to collect from me, based on the Michigan statute of limitations on debt and 15 USC 1681b. The debt in question is a secured credit card. 

According to the Michigan statute of limitations on debt, the statute of limitations for the type of debt in question has expired on XX/XX/2022. Therefore, PNC Bank is no longer legally permitted to collect this debt from me. 

Furthermore, the Fair Credit Reporting Act ( 15 USC 1681b ) states that after seven years, negative items on a credit report must be removed. As the statute of limitations on this debt has expired, your company is not permitted to report this debt to credit bureaus, and any such reporting is in violation of the FCRA. 

I demand that PNC Bank immediately cease all attempts to collect this debt from me, as it is time-barred by the statute of limitations. I also demand that you remove any negative items related to this debt from my credit report. 

If I receive any further communication from PNC Bank regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action. 

I would appreciate a prompt response to this dispute, including confirmation that you will no longer attempt to collect this debt from me and that you will remove any negative items related to this debt from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XX/XX/2021 I booked lodging reservations with XXXX. My trip was booked for XXXX and it was a total of {$690.00}. The agent at XXXX inserted my Name, Email and Mailing address incorrectly which was the reason why I never received a reservation confirmation. I contacted them and they told me I did not have any reservations with them. I contacted my bank -CAPITALONE to file a dispute. After XXXX days my dispute was denied because the vendor ( Getaroom ) provided them with documentation. I asked CAPITALONE to provide me with the documentation so I could review as well. Once I received the documentation I noticed my Name, email and mailing address information was incorrect and XXXX sent my hotel reservations to someone else. I asked capital one why did they accept this information if they new it was wrong and I was told well some of the information was correct. The only information thats as correct was my last name and phone number. I had capital one reopen my case and to investigate. They denied my case a second time and refused to look into it further. I filed a complaint over the phone and no one has called to address it. I also provided capital one with new reservations I had to make. 

Im not sure why and how Capitalone allowed the vendor to charge my card and the name and billing address did not match. The vendor did not provide a service and they took my money. 
Capital one refused to fight getaroom and assist me with this matter because of the terms and conditions getaroom has. 

Capital one should be held accountable for allowing the vendor to commit fraud. 

I had to submit a claim with the XXXX XXXX XXXX and XXXX XXXX has decided to give me a full refund. But Capital One shouldve helped me XXXX for the money they allowed them to XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief