BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have obtained a copy of my credit report and I have unauthorized inquiries reporting on my credit. This is extremely frustrating and scary considering someone has been applying for credit using my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, im making another complaint because i just got robbed by Bank of America, on the morning of Sunday i went to the ATM to take out XXXX XXXX for my wife, i went normally took my money, put it in my pocket, after leaving i decided to count it to see if theres any mismatch, and i found that the ATM dispensed only XXXX XXXX. I called bank of america and they told me that they were gon na issue a credit after 2 to 1 business days ( This is on a recorded or monitored line ) when i called after that, they said that they were gon na do it in the XXXX, after that they close the claim saying that they found no error, this company scammed me out of XXXX XXXX  and im going to pursue it judicially if i dont get my funds back. 
On top of that, i had my phone and computer in XXXX and i filed a police report, i had some fraudulent transactions, they put provisional credit back in my account than told me after a while that they were going to take it back. So i called to re open the claim, one of them got paid and the other one, they reversed the money back from the merchant and kept it to themselves while taking my money from my account which keep in mind got stolen from me, im dealing with a XXXX XXXX  that wants to take all my funds, please help me retrieve them im willing to do anything

Company response to consumer: In progress
Consumer complaint received 2022-01-28
Company: Colony Brands, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a credit card bill from XXXX XXXX. I have never used XXXX XXXX and never had a charge account with them and do not have a card in my possession from them. I called to dispute the charges and the customer service representative stated that the purchase was mailed and sent to somewhere in Alabama for perfume. I explained I don't have a card, have never shopped with them, never authorized credit for them and have never signed anything for them. They want my signature to dispute the charge instead of taking the information. My thoughts is that then they will have a signature to use along with the other information they apparently have on me. This is a common scam reported all over the internet but I do not want a {$90.00} charge to affect my credit score ( which sits around 840 right now ). This is fraud, it is a fraudulent charge and I have no idea what my recourse is to get this removed. I requested that they flag and close the account since it wasn't requested by me nor do I know anything about it and they refused. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 tried to get this info corrected plenty times before- XXXX XXXX XXXX is fraudulently reporting a XXXX XXXX account on my credit for {$510.00}. This account is not mine and should not be on my TransUnion report at all. I have never had any account with this company nor have I ever resided at the address they associate this account with. Please correct this info.

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 2023-10-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XXXX XXXX XXXX, check was deposited into Account. We were told it would be available on XXXX XXXX XXXX  Went to branch they said it is with Federal Reserve and is being held for 120 days. No valid reason and no option to return check or funds to originator! {$5000.00} was expected in a few days but was held without option to stop payment. No way was cash and I have no money and am unable to stop payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom mortgage allowed two escrow payment deductions from my account for annual property taxes. I worked diligently with the local county government to have this corrected and to have a refund check issued. The refund check has not been credited back to my account and I have sent communications to Freedom Mortgage.

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 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, I am a first time homebuyer and have had my credit score pulled by the three main credit bureaus -- XXXX, TransUnion, and XXXX -- through several lenders. XXXX is the only bureau that reported my correct social security number. 

Only one of the lenders we have considered going with doubled checked my credit score and found that it was incorrect on XXXX and TransUnion 's reports. I started a dispute with XXXX on XX/XX/XXXX. They claimed it got fixed online but I received no email confirmation nor could I read the PDF file they attached to my account. I called them and had someone help me " fix '' it over the phone. They claimed it got fixed on XX/XX/XXXX. I had my lender pull my credit again today on XX/XX/XXXX and it was STILL incorrect. 

I started a dispute with TransUnion and priority mailed the required information to them ( ID + social security number ). The number is STILL incorrect on the credit report. 

These two bureaus slowness in fixing my incorrect social security number is preventing my family from getting fully approved to buy a home. In this very competitive Utah market, it is making us miss out on great homes for my family ( including my XXXX XXXX XXXX wife ) because of their slow process. It's their fault we can not buy a home.

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 2023-10-25
Company: AMERICAN HONDA FINANCE CORP
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to complain to AMERICAN HONDA FINANCE about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
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: Account status incorrect

Complaint:
I received a 100 % VA XXXX XXXX XXXX XXXX determination XX/XX/XXXX with an effective date of XX/XX/XXXX. After which I applied and was approved for a XXXX XXXX XXXX XXXX discharge ( XXXX  ) of my student loan debts through the XXXX discharge office of The US Department of Education as of late XXXX. The credit report states the student loans as paid after I disputed/updated with each reporting agency. However, I needed a letter from the loan servicer stating that the derogatory information related to these loans should be removed. On XX/XX/XXXX, I contacted the department that I'd originally applied for the discharge through, and was told that I needed to contact the US Department of Education Resolution Group for the letter. When I called the first time and explained what I needed the representative said he would email the letter to me. However what I received didn't state that the derogatory information needed to be removed from my credit reports. I called a second time and spoke to a supervisor ( XXXX XXXX at approx. XXXX. The supervisor told me that my accounts were reported as XXXX due to VA XXXX and therefore did not qualify for credit report removal. He also stated that a normal XXXX discharge would remove the derogatory information, but that my account wasn't reported through the XXXX department. I submitted all forms and provided all documentation required to the XXXX department during the application process and believe there to be an error or misunderstanding regarding my student loan discharge and credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: TN
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:
Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status.

I have attached supporting documents that verify the inaccuracies mentioned above.

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law.

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above.

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a or my account without my written instructions.

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 2023-08-21
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am eligible for Public Service Loan Forgiveness. I am a XXXX who has worked at XXXX XXXX XXXX XXXX full time since XXXX. 

In order to get the PSLF I first consolidated my loans with Mohela, as required. Then, I filled out Mohela 's online application. My application was not accepted. So, I submitted a paper copy, which was accepted. After waiting a long time I received a letter telling me that XXXX XXXX XXXX government EIN number was in their database as a for-profit business. They asked me to submit a letter from my employer stating the name of the XXXX, that it is a non-profit, how long I have worked there, and giving the EIN number. I submitted the requested letter by uploading it to their website. I followed their exact directions regarding where to upload it. I received a denial letter again. When I called them they told me I had uploaded it to the wrong place. So, I uploaded it again. Today I received an email saying that my EIN number is not eligible, and that they need a letter from my employer ( the same letter I already uploaded twice ) or a W2. I uploaded the W2 and called them. I am now taking to a supervisor who is escalating the application, but I have no faith in the process as they seem unwilling to research the EIN number themselves, and I have no idea how to prove that XXXX XXXX is a non-profit other than by the means I have already employed. 

My manual application was processed on XX/XX/XXXX. Since then, I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. Each time I call they tell what I need to do and then say it will take up to 30 days to process. 

Now they are escalating my case, but also telling me that it could take up to 30 days to resolve, and in the meantime loan payments resume on XX/XX/XXXX. I should not have to pay them anything as I have been trying to have this taken care of since last 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 2020-01-09
Company: Cornerstone Home Lending Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
1. Borrower originated the loan on XX/XX/2017. The first payment was due on XX/XX/2017. Hurricane Irma ( Category 4 ) struck Florida on XX/XX/2017. The Governor of Florida declared the entire state a disaster area.

2. Immediately following Hurricane Irma, Lender/Investor offered Borrower the Hurricane Irma Natural Disaster Forbearance plan.

3. Lender/Investor did not provide the Borrower with a Loan Modification after the completion of the Hurricane Irma Natural Disaster Forbearance plan as required by the program guidelines.

4. Lender/Inve

stor denied Loan Modification due to Borrower not making the minimum amount of payments to the loan. However, the minimum amount of payments was not made due to the first loan payment being due the same month as the Lender/Investor of

fer ed Hurricane Irma Natural Disaster Forbearance plan. 5. Therefore, Lender/Investor created a Default of the Borrower by not modifying the loan after the completion of the Hurricane Irma Natural
Disaster Forbearance plan. This refusal to modify the loan was in direct violation of the promise made by the Investor to provide hardship relief to the Borrower after the completion of the Hurricane Irma Natural Disaster Forbearance plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
gm financial in 2017 I needed assistance with my payments and asked for a deferment for XXXX and XXXX of 2017 this was suppose to be put to the back of my loan, and not reported late, last year I paid off the car, in a attempt, to purchase a home, I was denied because off the XXXX late payments in 2017, my credit XXXX XXXX I serious deliqlenquency when I XXXX 's day report it showed on GM FINANCIAL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hello there, i believe i am the victim of identity theft. My ssn was used in numerious inquiries that i never authorized. Please help me to remove the inquiries and protect my identity.

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 2023-08-16
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been calling Equifax Dispute Department for months, I have been mailing dispute forms to Equifax for months, I sent them the appropriate required letters along with the information they told me, My govt issued Identification card, My social security card, My utility bill, a cover letter, I have enclosed the FTC report each time, explaining the identity Theft that occurred on my credit profile. 

Today of ths date, XXXX the XXXX 2023 at XXXXXXXX XXXX I spoke with XXXX from the dept i was transferred to from the dispute automated system, He put me through a security step in which I was successfully verified. 

I explained to him that I have a fraudulently opened account in my name, an inquiry fraudulently attempted and my current address they are reporting is inaccurate.I also told him I sent in the documents, he placed me on hold, kept telling me the documents weren't received, then he said he sees them, then he said they weren't the correct ones, he stated that the FTC was wrong, then he said the FTC expired, he told me he honestly doesnt know whats going on, he said he doesn't know what to do, he kept suggesting I send the documents, then he stated he thinks they got them on the XXXX of XXXX, then processed them on the XXXX of XXXX, He also stated multiple times that i should I asked him what happened to my docs I already sent? 
He stated that i should send again, I asked then what's next, I aske him to report the fraud and identity theft that occurred, I told him that i sent documents multiple times the past few weeks, I told him everything on the list, then after saying he couldn't see, he told me he can see the docs I sent, and recanted, i told him how is the FTC report not complete?, he stated that it doesn't show the details, I said it shows the account number the date and a summary of what happened, he agreed, then proceeded to place me on hold, he then came back to phone saying he doesn't know what to tell me, I replied " Im calling Equifax as for assistance, he then became rude and stated we have been on for XXXXXXXX XXXX, I said but im calling as a customer of Equifax for help, he then stated he cant help and tried to conclude call without me finished or his assistance. He concluded the call he didn't honor my request to report the identity theft, he didn't take initiative to fix the inaccurate address currently reporting on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Experian Information Solutions Inc.
State: CO
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:
To Whom It May Concern : I am submitting documentation regarding my student loans ; I am a retired veteran with almost twenty-two years of XXXX XXXX service. My student loans were discharged XX/XX/XXXX of XXXX due to XXXX through XXXX, XXXX, The US Department of Education and XXXX XXXX/XXXX. I am having issues with all US Department of Education loans starting with account number XXXX and XXXX XXXX/XXXX loans starting with XXXX reporting inaccurately to Experian, XXXX  and XXXX. 

I have disputed this several times with the credit agencies and provided all the necessary documents regarding the discharged accounts. I have also reached out to the loan servicers and the Department of Education to get this issue resolved, however as of XX/XX/XXXX of this year they are still reporting incorrectly. I have included a copy of all documents that were sent to the credit agencies and loan servicers as well as copies of my credit reports. As you will be able to compare on my XX/XX/XXXX and the most current credit reported dated yesterday XX/XX/XXXX. 

At this time, I am requesting that you review all the documents and assist in helping to resolve this issue in a timely matter as I am not able to move forward on purchasing a home that I have a contract on and a closing date of XX/XX/XXXX and until this has been resolved. The 120 late 's that are being reported have pulled my credit score down over 100 points and with these accounts still showing open, it looks like I still have a debt that I haven't paid. Thank you for your assistant in this matter and I also give my wife XXXX XXXX XXXX permission to speak to anyone on this matter if I am not available. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I applied the IKEA projekt card on XX/XX/XXXX and got approval for 0 % apr in 6 months. However, IKEA started to charge my interest started from XX/XX/XXXX till XX/XX/XXXX. I called in on XX/XX/XXXX to IKEA and asked them why. They said the promotion was ended in XX/XX/XXXX. But still they need to charge me interest from XXXX because other purchases. And they could not give me a definition of other purchases. All the purchases I made was happened in IKEA. And they charged me {$81.00} start from XX/XX/XXXX to XX/XX/XXXX within my promotional period. Its nonsense and XXXX is the supervisor who helped me who agree is non sense but she can not make the refund.

Company response to consumer: Closed with monetary relief