BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion has been reporting a tax lien on my credit report for most of this year. This is an error from XXXX XXXX due to their slow process to resolve issues. I have sent TransUnion requests to validate and verify with XXXX XXXX XXXX XXXX XXXX and provide proof based on the right 's given to me under Sections 610 ( A ) ( 1 ), 605, 609 &  623 of the FCRA. TransUnion 's response was a claim that they certified the information was reporting accurately. They NEVER sent the proof I requested so I contacted the XXXX XXXX XXXX XXXX XXXX requesting to see this information that TransUnion claims to have verified. XXXX XXXX XXXX XXXX XXXX sent a letter stating that operators may confirm a specific tax lien has been recorded but operators " CAN NOT VALIDATE OR VERIFY RECORDED TAX LIENS ... .Recorder has NO ABILITY OR AUTHORITY to validate or verify recorded tax liens. '' I sent that letter to TransUnion explaining that they are still reporting information that has NOT been properly verified and based on FCRA Sections 611 ( 5 ) ( A ) & 1681 ( A ) ( 4 )  the information they are reporting must be deleted. I called TransUnion on a couple occasions and have been disconnected when asking to receive the information they claim to have verified. My last conversation was with a lady named XXXX at XXXX XXXX on XXXX/XXXX/XXXX. XXXX was informative. She claims that TransUnion verified the information although company policy could not let them share the alleged verification due to company policies. I told her to reference the letter I sent from XXXX XXXX RXXXX XXXX XXXX and she stated that the letter was only referencing calls made to the XXXX and she completely ignored the statement in the letter clearly saying that the " Recorder has NO ability or authority to validate or verify recorded tax liens. I asked to speak to a supervisor and a very similar conversation took place. I asked to receive the proof that the information was actually verified, [ which again is my right and their responsibility based on FCRA Section 610 ( A ) ( 1 ) ], and my call was disconnected. I have notarized documents that XXXX XXXX XXXXt has in their possession, which shows they have reported inaccurate information. So I am very confused how TransUnion can certify and still report any of this inaccurate and improperly verified information. 

I have been attempting to resolve this matter with Transunion through mail, phone calls and various documentation and have NOT had any success. Please have this credit bureau remove the improper and unverified blemishes from my credit report. 

Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, INC.
State: KY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; Chapter XXXX Bankruptcy XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2019-06-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempting to apply for a credit card. 

Called XXXX and requested a temporary lift of the freeze. Gave them personal info and pin #. They complied in less than 5 minutes.

But when I called Equifax, after 20 minutes of giving the person a lot of info no one else could have, and our Equifax freeze pin #, the person said that I still had to fax or mail copies of 3 pieces of identification to them before they would lift the freeze temporarily. 

I suspect something is wrong. Is this person trying to use my info to get credit or sell my info to someone to use during the lifted freeze period? 

It certainly is suspicious for the credit bureau to request from customers such a difficult and lengthy process just to temporarily lift a credit freeze. Especially when I gave XXXX at Equifax more personal info than XXXX needed, to verify my identity that no one could know besides me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital one ran a hard inquire on my credit report twice with out my consent or my knowledge which has severely hurt my credit. 

They ran it on XX/XX/2019 and on XX/XX/2019 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Block, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My daughter is XXXX. I helped her create an account and I added funds to it. Several transactions totaling {$40.00}. Her original account was $ XXXX and it was set up on her phone number XXXX. She was not able to use or access her account at that time because she was a minor and I was not able to add her to my family accounts. Her phone broke and we no longer can get messages sent to that original number. Her account was never linked to my family account despite me contacting support several times. I had to wait until my son who is XXXX dropped off of my account to add her. She got a new phone and number and we were trying to set up her cash app before school. But it would not let us recover her account. It said she needed to create a new account and contact support. So we did. We followed the instructions to merge her accounts but it would not work because she never had a card for it. 
They told her that because I am her parent/sponsor, I needed to contact them. So I did. Again, they had us attempt to recover and merge her accounts, and again, it did not work. I requested that they reverse my transactions and refund the funds and they said they couldnt do that either. 
I just wanted my daughter to be able to access her money and use her cash app account. The new account is $ XXXX and her new phone number is XXXX. I can provide her birth certificate and social security card and any other proof that I need to get this fixed. I have spent several days and talked to numerous people and they have told me that money will just sit there indefinitely because she does not have access to the original phone number used to set up her account. They are essentially holding her money hostage because we have absolutely no way to recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX I was trying to buy a product from someone online. I sent the money using XXXX as its through Wells Fargo and I thought I would be protected because its a transaction through my bank, however this was not the case. When I called to make a report of this I was greeted with a brick wall. The customer service rep was condescending and not much help as she filed my complaint. I never received any follow up through the course of their investigation. They closed my claim and didn't even notify me, I found out by calling to check on the status of the claim. Wells Fargo should be ashamed to partner/work with a company that offers its consumers no safety net. So I was scammed out of {$400.00} and thats unfortunate for me. Please, DO NOT SEND MONEY THROUGH 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 2022-12-23
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During the summer of XXXX, I had XXXX XXXX payments and more coming due to the limited waiver. I consolidated my loans in XXXX and received XXXX letters from MOHELA, XXXX on XX/XX/XXXX that showed only XXXX qualifying payments and then the next day on XX/XX/XXXX, i received another letter with XXXX! 
MOHELA is mismanaging the XXXX program. I should have almost XXXX payments and now they are reporting XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
*The original amount in dispute is the amount of {$2200.00} for the escrow account as it relates to XXXX  XXXX. This original amount was identified in the Annual Escrow Account Disclosure Statement dated XX/XX/XXXX. 
*On XX/XX/XXXX, Mortgagor also began making the first of 36 scheduled Escrow shortage payments of an additional {$61.00} per month, in addition to the previously scheduled regular monthly mortgage payment, so regular monthly payments were not considered not paid in full and thus held in suspense. 
*On XX/XX/XXXX, Mortgagor filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) after numerous failed attempts to obtain factual information to explain the shortage. 
*On XX/XX/XXXX, Ditech answered the CFPB complaint. Mortgagor was unsatisfied with Ditechs answer but failed to reply to CFPB by the deadline. Mortgagor called the legal department at Ditech on XX/XX/XXXX, but was unable to speak to anyone on that day. 
* On XX/XX/XXXX, Ditech sent Mortgagor an Annual Escrow Account Disclosure Statement stating another Escrow Shortage amount of {$1700.00}. Mortgagor is currently in a 36 month payment plan for the original Escrow Shortage amount of {$2200.00}, which Mortgagor still disputes as owing.

*There is approximately a 40 day period whereby Mortgagor requested that Ditech cancel its escrow for property insurance ( letter dated XXXX ) and Ditech thereby agreed ( letter dated XXXX ) ; Mortgagor then requested escrow for property insurance be started again ( letter dated XXXX ) and Ditech thereby  agreed ( letter dated XXXX ) ; the original issue remains, however, why the original shortage of {$2200.00} is due and owing, an amount that was noted in the XX/XX/XXXX Annual Escrow Account Disclosure Statement, prior to any of the property insurance issues. Ditech claims it was the property insurance escrow issue on XX/XX/XXXX that caused the shortage. This answer is not satisfactory since the chain of events was subsequent to the original shortage notice date and Ditech has yet to explain the discrepancy. 
As a Mortgagor, I have been frustrated with not only the accounting of our Escrow Account but also the communication by Ditech and the inability of Ditech to show us evidence of a legitimate debt due and owing.

Mortgagor is requesting an accounting of this escrow account and an explanation by Ditech of the original escrow shortage amount of {$2200.00} on XX/XX/XXXX. Mortgagor disputes owing this amount until an accounting and an explanation have been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: National Credit Adjusters, LLC
State: TX
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX***that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
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:
Equifax is intentionally reporting unverified and inaccurate account information from XXXX XXXX account. Account has been deleted from two other credit reporting agencies. Have sent to Equifax XXXX XXXX 2019, 4 letters with USPS certified delivery to the company and the company refuses to respond to any letters sent to validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am out of work on FMLA but not receiving any XXXX benefits. I called my mortgage company, Suntrust, in XX/XX/2019 when I received my first loan modification package and let them know that I was selling the home and the loan would be paid in full on XX/XX/2019. The lady I spoke with then advised me not to fill out the modification package since I had no income and I was selling the home. She then let me know that I needed to at least make one payment before XX/XX/XXXX in order for the loan not to be considered for foreclosure. Our buyers then moved the close date to XX/XX/2019 and I called Suntrust to let them know on XX/XX/2019. I was then told that all these letters had been sent, which I did not receive, and that I owed around {$5000.00} to stop the foreclosure process. This was completely different from what I was told by Suntrust a month earlier. So I am now told that there is nothing I can do besides wait and hope I close in time before the foreclosure sale.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Please add this addendum to my current account complaint number # XXXX : I checked the box below, and want the CFPB to publish this description of my original complaint on consumer finance.gov, so others can learn from my personal experience. 

Also, I should have mentioned that when XXXX XXXX, SunTrust Executive Services, called me on XX/XX/19, she advised me that she was recording the over 30 minute call. I would like, and give my permission for the CFPB to obtain that recording, during which I explained in great detail what happened, will also indicate how upset I was as a result of the screw-up by the SunTrust teller. 

Thank you, 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 2023-09-05
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bread Financial, formerly referred to as Comenity Bank or Comenity Capital Bank, closed my JCrew store credit card account without providing any advance notice either in writing or electronically via email. My account was fully up-to-date, with no outstanding payments due. Due to this, my credit score was negatively impacted, which adversely affected my financial standing. 

On XX/XX/2023, I contacted Customer Care at XXXX to seek assistance regarding the unexpected closure of my account. The bank 's automated system stated they were unable to reopen the account and immediately terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Asset Management Outsourcing, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Again, this is my 26th attempt to figure out what is going on and how is such obvious misconduct by these individuals who work for this corporation are continued efforts to harras and illegally collect on a default Judgement. 
XX/XX/XXXX their license fees had been paid but I question that after Washington state new laws that went into affect XXXX of XXXX, where they properly licensed to collect debts in Washington State by XX/XX/XXXX, when they filed a civil action against myself? 

XX/XX/XXXX XXXX XXXX withdrew his foreign registration to do business in Washington State.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: TX
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance - ; XXXX. XXXX, XXXX ( Original creditor : XXXX ) XXXX Balance {$560.00} ; XXXX. XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX Balance {$280.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX  XXXX ( XXXX Name : XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX  Inquired on XXXX XXXX ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  Inquired XXXX XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXXInquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXXXXXX 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 Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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: Information belongs to someone else

Complaint:
I have been waiting for nearly six months, I have not received my credit report. Have sent over letters on many occasions they have lots of misinformation on my report and they have not updated any information for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2014 I was added to a loan as a co-signer electronically by USAA without my consent or knowledge. I have made several phone calls to resolve my removal from the fraudulent loan as well as obtaining a police report and subsequent investigation into the matter. I am still on the loan and the bank has not gotten back to me at all about the removal and/or correction of this matter. This has affected my credit and hindered my ability to obtain other loans. It has been well over a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief