BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2017-12-29
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, XXXX, I opened a disputed debit card transaction. Since this time, I have sent four secure messages, and made multiple calls to check the status of the dispute. Each time, I have been told that it will be resolved within 10 business days. Since 10 business days have elapsed, I was told that the claim would be escalated and I would receive a call within 24 hours if additional information was needed. I was told this on XXXX/XXXX/XXXX and as of now have not received any calls from the bank regarding the status of my dispute.

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 2017-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
-XXXX I opened a brokerage account with Merrill Lynch, containing stocks and cash.
-This account has been accruing since then XX/XX/XXXX I received a letter from Bank of America Merrill Lynch stating that this account is in danger of being transferred to the State of Florida as Unclaimed Property, unless they receive documentation, not in my possession, by mail before XX/XX/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 2022-02-16
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

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 2017-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted a check via Capital One 360 Bank 's mobile application check deposit service. The check cleared the initial stage of verification, but at the end of the five-business-day hold, my funds were n't released to me ; paradoxically, my account was frozen. I have contacted Capital One 360 Bank about twenty-five times in regards to this issue, and been unable to reach a suitable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: MD
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:
My student loans were in forbearance during the months of XXXX and XXXX of XXXX as well as XX/XX/XXXX. However, XXXX is still reporting these loans as late to the credit agencies. 

I have repeatedly disputed this by providing documentation to serve as a justification for my claim. Recently, in a letter dated XX/XX/XXXX ( that I did not receive until XX/XX/XXXX ), XXXX has responded that " after their investigation, they will not be removing the late payments. '' This is an unfair and illegal business practice as the information that they are providing to the credit agencies is incorrect ; they refuse to change the information even after being provided documentation to support my request of removing these late payments. XXXX 's inaccurate reporting has negatively affected my financial status and has caused me to unnecessarily lose money in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My student loans were in forbearance during the months of XXXX and XXXX of XXXX as well as XX/XX/XXXX. However, XXXX is still reporting these loans as late to the credit agencies. 

I have repeatedly disputed this by providing documentation to serve as a justification for my claim. Recently, in a letter dated XX/XX/XXXX ( that I did not receive until XX/XX/XXXX ), XXXX has responded that " after their investigation, they will not be removing the late payments. '' This is an unfair and illegal business practice as the information that they are providing to the credit agencies is incorrect ; they refuse to change the information even after being provided documentation to support my request of removing these late payments. XXXX 's inaccurate reporting has negatively affected my financial status and has caused me to unnecessarily lose money in the process.

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 2022-02-16
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, I closed on the sale of my home and the full payoff amount was wired to my lender, Amerihome Mortgage. Receipt of the funds was confirmed by Amerihome Mortgage and my loan was completely repaid on XX/XX/2022. Amerihome Mortgage is holiding approximately {$2400.00} in my escrow account and they still have not returned the funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I received an email from Chase stating that a payment was scheduled from an account, but I don't have any accounts with Chase. I've called Chase several times to determine if someone has opened an account with them using my identity. Chase refuses to help investigate this possible fraud. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I, XXXX XXXX, ( XXXX ) XXXX, have a complaint on record with C.F.P.B., on Selene Finance, LP. THIS IS NOT A DUPLICATE. This SEPARATE COMPLAINT involves Selene Finance letter dated XXXX XXXX, 2017, addressed to C.F.P.B. the second page under " Enclosures '' fraudulently states the following : " Note '', " Deed of Trust '', " Notice of Assignment, Sale or Transfer of Servicing Rights ''. All of which DOES NOT EXISTS. <P/>Please create a separate complaint against Selene Finance & research specialist- XXXX XXXX . <P/>Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband and I requested a deferment through XXXX XXXX and they told us what we needed to pay and when in order to obtain the deferment on the payment. They sent us an agreement which we signed and mailed back. We have paid exactly what they told us to and when to pay it and now they have reported lates on our credit and stated that they did not receive the signed agreement back within 10 days so the deal is null and void. This is NOT acceptable. We mailed the agreement back and its not my fault if they did n't get it. We paid the terms as agreed as we were instructed. They need to honor the agreement, reverse the additional late fees, etc. and correct the negative reporting to the credit agencies. I could see it if we did NOT pay the agreement as required but we did. This is the holiday season and I am sure the post office is buried and the signed and executed letter is either lost or delayed due to the volume of mail that goes on 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 2022-02-16
Company: EQUIFAX, 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 status incorrect

Complaint:
I contacted XXXX XXXX XXXX in XXXX. I paid the settlement deal as agreed upon in XXXX and clearly Equifax is reporting account is still open and delinquent. This is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021, at approximately XXXX hours XXXX XXXX, XXXX NMLSR ID XXXX sent an email to XXXX. The email account belongs to XXXX XXXX. XXXX XXXX, XXXX coordinated the mortgage contracts require for the qualification of a home loan with the Wells Fargo Mortgage Department. The email XXXX XXXX, XXXX, sent altered the original terms of the agreement Wells Fargos loan officer XXXX XXXX discussed with XXXX. XXXX XXXX, XXXX amended the percentage for closing from 5 % to 10 %. He also altered the amount required to close to {$17000.00}. XXXX XXXX, XXXX requested that a transfer of funds from XXXX 's investment account become available for a cash sweep however, liquidation of the funds would not be required. XXXX complied with all of XXXX XXXX, XXXX 's instructions and requests. 

On XX/XX/2021, at approximately XXXX  hours, XXXX XXXX, XXXX sent another email again altering the previous terms of the agreement. XXXX XXXX, XXXX directed XXXX 's attention to The Closing Disclosure Contract. XXXX XXXX, XXXX altered the amount from {$17.00}, XXXX to {$20000.00}. XXXX requested to end the discussion and speak with XXXX XXXX, the supervisor for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX agreed to end the discussion and inform his supervisor of XXXX XXXX request. 

On XX/XX/2021, at approximately XXXX  hours, XXXX requested XXXX XXXX initiate a formal complaint against XXXX XXXX, XXXX for unethical behavior, failing to exhibit transparency and integrity. XXXX XXXX, XXXX 's inept instructions also cost XXXX additional expenses associated with mortgage insurance and additional funds liquidated from his investment account. XXXX XXXX accepted the complaint and informed XXXX a representative from Wells Fargo Complaint Department would contact him within 24 to 72 hours. 

On XX/XX/2021, no representative from Wells Fargo Complaint Department initiated any contact with 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 2020-12-18
Company: Credit Service Company, INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found some debt collections on my Credit report in XXXX for Credit Services Company , Inc. I sent a request for validation of the debt on XX/XX/XXXX. In response, I received 3 debt notification communications dated XX/XX/XXXX for 3 accounts and a note that stated that I had 30 days to dispute the validity of the debt. The notifications had two names on them, my name and a XXXX XXXX. On XX/XX/XXXX, I received a notification that one account had been cancelled. On XX/XX/XXXX, I sent a second request for validation of the debt for the remaining accounts via certified mail and received USPS confirmation that the letter was delivered at XXXX XXXX  on XX/XX/XXXX. I received no response. On XX/XX/XXXX, I sent a third request for debt validation citing FDCPA and other laws requiring them to provide proof that I owed this debt. I received delivery confirmation that the letter was received on XX/XX/XXXX. In response, I received a one page document dated XX/XX/XXXX for one account stating they had determined that the debt was valid, but with no validation documentation as required by law. I received a second letter dated XX/XX/XXXX with the statement that they had concluded that the debt was valid along with a bill dated XX/XX/XXXX with both my name and the name XXXX on it, but no validating documents or anything with a signature on it. 

CSC has refused to remove the debt from my credit reports. I have given them more than ample time to provide documents showing that I incurred this questionable debt. CSC is still reporting this collection on my credit report, which is considered to be a continuation of collection activity after a request for debt validation. The combined debt amount is {$2000.00} and CSC continues to add interest every month and then report the outstanding amount to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My XXXX identity information was comprimized. I have updated my information. They have claimed that my case was closed and have tried to contacted me with the information provided. I have not recieved a phone call or anything from you guys. I have updated my information so here you go my information again. I would like for the decision to be mailed to me at XXXX XXXX XXXX XXXX XXXX VA XXXX. Please take this serious I have not received any payments from them since XX/XX/2022. You all need to help me resolve this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: CO
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-16
Company: EQUIFAX, INC.
State: CO
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX/XXXX/XXXX We could not use the plumbing so we called the town. They then gave us a plumber named XXXX.He went outside and came in and told us that the plumbing was no good.Why give someone a loan and the house ai n't no count? I feel like we are being put somewhere and we ai n't getting nowhere.We have to give money out and we only been in this house 6 months.How you going to heat two bathrooms with a little water heater?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection company is reporting an incorrect " date opened '' of the initial debt, which is in violation of the FCRA 623 ( a ) ( 5 ) ( A ). The first collection attempt from the ambulance company was XXXX XXXX. It was then transferred to an initial collection agency in XXXX, and has been reported incorrectly ever since. I have notified the associated collection agencies numerous times via direct complaint from my credit reports.
Not to mention the fact that I submitted a dispute and the collection agency took over 30 days to respond.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: EQUIFAX, INC.
State: UT
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:
I pulled up my credit report and found an inquiry from a company I never heard of before. I had no business contact with this company. I have no idea who they are. I didn't give my permission to do an inquiry. This is fraudulent and they may be checking for theft of credit information by XXXX.This has caused a 6 point  drop on my Eqiufax Credit Report Score on XX/XX/XXXX.

Company response to consumer: Closed with explanation