BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I received a notification from XXXX indicating a debt collection company placed a debt against your credit account. I filed a dispute with XXXX and informed them this is not my debt. I later realized the debt has caused my credit score to decline do to the recent debt. The collection amount is {$690.00}, but I hadn't receive a bill disclosing the details about the debt, but I was able to obtain the phone and address of the collection company. 

On XX/XX/2021, I sent a letter to the debt collection company informing them they had the wrong person and I didn't receive a letter from them, but I found out through the collection company about more details of the debt. 

On XX/XX/2021, I called the debt collection company to inquire about the debt. I informed them they had the wrong person, but they were not willing to remove the debt from all of the credit reporting agencies. I stated several times they had the wrong person, so I requested to speak to a Manager. The Manager didn't want to listen to me even after I stated several time they had the wrong person. The representative stated several times, she wasn't willing to remove the debt, but I stated again, this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Home Point Financial Corporation
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2017 we decided to refi through HPF. We were to expect a lower monthly payment for the same services. We were refunded taxes " paid in full '' by the law firm. Those funds should have been returned to escrow. During the annual escrow analysis it was discovered that we had not had two escrow items included at on-boarding. I went back and forth with the we care team and were promised they would add the items into my escrow. That did not happen. Our previous mortgage company did pay the landlords insurance policy and our fire tax. HPF refused to do so. To settle the issues of the increased monthly payment and the escrow expenses HPF branch offered us a {$1200.00} reimbursement in addition to a settlement from HPF corporate. We signed the settlement under the advise of the branch employees and on good faith this long drawn out process would be solved. However once we received the corporate settlement we were refused the branch payment. Corporate says the branch can not offer the refund. The branch still maintains that they did offer the refund and stand by it. 

During the course of this transaction i have been in communication with countless members of the we care team, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Trans union refuses to delete Credit inquiry from XXXX bank.

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 2020-11-09
Company: EQUIFAX, INC.
State: IL
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:
The credit bureaus are still reporting inaccurate items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good day. In XXXX i paid an collection from XXXX XXXX dated XX/XX/2021, original balance was XXXX, it was paid in full & now the balance is listed as " XXXX '' paid in collections as negative status the amount & this was paid though aldous and associates. Hear me out, I am a young man trying to solidify my pursuit of happiness through stabilizing my credit because i understand the importance of it now. This XXXX XXXX account that should be closed and removed from my credit profile is stagnating my opportunities for me & my company, it has also interfered with my ability to obtain housing ( Because the collections is having a negative impact on my profile. Ive put in multiple disputes, The XXXX XXXX representatives were hardly any use, they basically in context told me that they couldn't do anything for me that i needed to contact the creditor. i contacted the creditor & they redirected me back to XXXX. At this point im begging for your help, I have a XXXX here with me in XXXX, New York. im working on my credit profile so i can take out a loan to assist with moving out of New York. Most of my friends were killed within the last 5 years, please this is vital to me. 

You can also check my XXXX and XXXX reports. this same collections was removed from both reports, but for some reason its sticking on transunion it doesn't make sense ( once again i paid the full balance i didn't settle all the evidence is there on all reports )

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 2018-11-26
Company: URS Holding, LLC
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings, There is a company name Alltran Education , Inc who claim I owe an unverified amount on a student loan which the company has not verified pursuant to FDCPA 1692g ( b ). The company allege in one letter I owe an amount that is different than the amount in a second letter and that amount is different that an amount in a third letter. 

Egregious tactics on an alleged debt I do now owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America Home Loans XXXX To whom it may concerned ; I am requesting a postponement of the sale date of my home for XX/XX/2018. 
I have applied for a modification, and other types of assistance like cash for keys and relocation assistance. Bank of America still has a sale date on my home. I will be out on the streets with no place to go if this occurs. I need a postponement date on my home so I can get everything possible to the Bank to keep it I need to keep my home, and not be out on the streets.. I am also working with XXXX also. 

Thank you so much, 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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 

-- -- -TRANSUNION XXXX -- XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: IL
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:
The credit bureaus are still reporting inaccurate items 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 2021-05-10
Company: EQUIFAX, 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:
There is a Unknown yet validated account reporting with a partial reference/account number # XXXX which I have been advised by legal counsel is out of compliance with the FCRA XXXX I XX/XX/2020 I contacted the Fair Trade Commission in regarding a suspicious and unknown account found to be reporting on my credit by Equifax. After numerous written requests to remove the inaccurate information I mailed the furnisher and included written Notice to Furnisher of Information detailing their obligation and duty to correct and update inaccurate information as per the guidelines advised by the FCRA. The federal Fair Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). I received no reply and subsequently with advise by the FTC to contact the bureau still reporting the inaccurate fraudulent account therefore, I wrote letters to Equifax detailing the ID theft on XX/XX/2020 and again XX/XX/2020 I advised Equifax of the Identity theft and the fraudulent account and to date I have yet to receive a response and the fraudulently opened accounts is still being reported to Equifax by the unknown furnisher ( See attached copies of letters of dispute mailed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 at between XXXX hours my wallet with credit card, ID and phone were stolen from my vehicle. ( A police report was filed ). My thieves utilized my cards by accessing my information mostly through telephone transactions. They transferred money from my savings account into my checking account so they could access the money and withdraw money. A total of approximately {$9000.00} was spent and withdrawn from my account by the thieves ( who had no consent from me ). I made a claim with Wells Fargo and attempted to get the surveillance footage from the ATM and the voice recording from the telephone transactions however they told me I needed a court warrant to review them. The fraud department closed my case out after they concluded that I must have provided the thieves with consent or my bank information so they could access my account which is not true. Wells Fargo notified me there is no way to appeal this nor is there anyway they will review video or voice recording for my case to prove I was victimized. Please help!

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 2020-11-09
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Was notified XX/XX/XXXX ( XXXX  ) that additional funds were to be provided by me to close escrow in 2 hours or seller was walking. Additional funds included a duplicate payment for flood insurance ( {$520.00} ) and a " Lender required payment '' for a credit card balance that showed up on my credit report dated XX/XX/XXXX which included XXXX credit information ( {$1800.00} on credit card ). However, XX/XX/XXXX, I was formally removed from that credit card as it still belonged to my ex spouse and I have been divorced since XX/XX/XXXX. I have not been liable for whatever balance that credit card may have had since XX/XX/XXXX, as it states in my divorce decree. 

I provided the additional funds aware of the errors to not lose the home as the lender stated they'd fix the errors after. Since I had to leave work early , drive to 2 locations to meet their notary, and because the messy process and errors, the title company ( XXXX XXXX ) also stated I would get a discount of {$300.00}. XXXX XXXX acknowledged the errors and stated they needed approval from XXXX  only for the " Lender required payment '' refund of {$1800.00}. XXXX  stated they needed approval from the Caliber Home Loans Underwriter prior to notifying XXXX XXXX. The underwriter was waiting on a payoff receipt for the credit card prior to approving. It was explained numerous times there would NOT be a payoff, that the credit card was still active but not in my name. I had requested my credit report be pulled again and not until XX/XX/XXXX was it pulled. Even with the new credit report, I was given the run around on if that would suffice and who was handling my open issues. XXXX XXXX is still awaiting approval XX/XX/XXXX and NO one is responsive from XXXX or Caliber Home Loans. 

I have numerous emails going to all 3 companies and the parties that were handling my case with no resolution. It has now been over 3 months and I still have not received my refund totaling {$2600.00} from XXXX XXXX due to the lack in approval from XXXX  and I have not received any response from XXXX  or Caliber Home Loans even after giving them a week notice of filing this complaint if not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-18
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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX INQUIRES : 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 explanation
Consumer complaint received 2020-04-27
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX on a telephonic conversation with the customer service department at Sun Trust Bank , I was informed that my business checking account was closed due to unknown reasons and that for more information about this action, I needed to read the account disclosure pamphlet provided, at the time of opening the account, to find out about the legalities of closing of a business checking account by the bank. 

OnXX/XX/2020 I approached the Sun Trust Bank assistant manager XXXX XXXX to inquire about the banks decision regarding the closing of my business account at which he disclosed that the bank had made the decision to close my business account without any notifications and that the reason for closing the account was for a deposited check not clearing the account. 


I asked the Bank Manager as to when would my funds in the account {$3300.00} be available for withdrawal, at which he claimed that it would take 2 weeks for the bank to complete the closing process and a check would be mailed out to my attention approximately XX/XX/2020 After two weeks passed and no check was received, I approached XXXX XXXX again and informed him that no check had been received, at which he informed me that I should be receiving the check by 2nd week of XXXX and that was the best he could do, at that point I explained and expressed the hardship that my XXXX  and my family was facing due to the withholding of these XXXX  funds, however he couldnt help. 

From the time Sun Trust AKA Truist Financial decided to close my business account and withhold my funds {$3300.00}, to date I have not received any check nor any legal disclosure from these financial institutions regarding the action they took to close my business account and reasoning to withhold my funds {$3300.00} or a possible refund date. 

This action of closing my Business account and withholding of funds {$3300.00} by the Sun Trust Bank AKA Trusit Bank has caused devastating circumstancing not only for my XXXX  but also to my family. I had to close one of my XXXX, letting go XXXX XXXX, for the lack of operating capital and have had to seek help from federal and state agencies to feed my family. This frivolous action by Sun Trust bank AKA Trusit Financial is not only unwarranted but also in humane specially at a time of a pandemic crisis, where every agency in the United States of America is trying to help every being, stay alive and financially afloat.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had received notice that they received the payment initially. it was their websites problem and not my mistake because i assumed it was paid. They refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. The account has since been closed but i still see if on me report and its still effecting our ( mine and my husbands ) scores. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Investigation took more than 30 days

Complaint:
I called Transunion on XX/XX/XXXX and spoke with the supervisor and explained that I have sent 6 letters, within that 3 have been certified, and have not received a response. Before these letters, I have submitted at least 2 disputes in deleting the chapter XXXX bankruptcy that should not be reporting on the Transunion credit report. 

The 3 tracking numbers that I have is XXXX XXXX and XXXX ; Transunion states that they have not received any correspondence from me since XXXX. 

I have told the representative from Transunion that the bankruptcy should not be reported because the bankruptcy was NOT voluntarily dismissed and does not meet their internal guidelines and also the FCRA. Also, XXXX  and XXXX  have determined that this should not be reported and have removed them from their reports. 

Below is an excerpt from https : //www.transunion.com/customer-support/faqs/credit-basic : Bankruptcies : Generally, bankruptcy and dismissed bankruptcy actions remain on file for up to 10 years from the date filed. A completed ( discharged ) or dismissed Chapter XXXX remains on file for up to seven years from the date filed. A voluntarily dismissed bankruptcy remains on your file for up to XXXX years from the date it was filed. The actual accounts included in bankruptcy remain on file for up to seven years from the date of closing/last activity regardless of the chapter pursuant to which you filed. 

They should be following the FCRA and their own policies ; this needs to be resolved.

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 2021-10-25
Company: EQUIFAX, INC.
State: OR
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:
So a few things wrong with this Equifax report is they have me as XXXX XXXX on this one thing as shown in pictures but on the account they have my actual name correct, I have tried to dispute this I'm not XXXX XXXX,. 
2. Second thing is I got one of his debts I'm asking for to your help on removing this name from my account, and all the accounts associated with it on my file, thank you. Also I sent a multiple pictures of my ID and everything else yeah so I'm not XXXX XXXX in California

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have contacted Santander bank which is who is financing the car for about 6 years in regards the interest rate and their statement that does not make sense. The payments that were made never showed where it was applied, when asked about the interest rate and how was applied was never answer we were put on hold and disconnected. We were blocked from the online account after statement info were obtain, which showed that the amount never went down, when asked were the money was going supposedly it was applied on the interest which is 22 % but why it is not broken down on the statement, why the actual amount after interest is not showing on the statement. I told them that the 22 % is not lawful in my state their answer was its not up to them. When finally spoke to a supervisor she said off the record fight cause they are taking your money. We have paid a total of {$44.00}

Company response to consumer: Closed with explanation