BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BANKAMERICA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 2021-07-20
Company: Experian Information Solutions Inc.
State: VA
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:
I have spent the last month trying to get Experian to correct all the incorrect information being reported on my credit report. My name, address, phone number, employment, date of birth are all inaccurate. I was told all information in my credit report is attached to a name that is not mine but even with submission of license, social security card, utility bill, DMV report, mail from XXXX they refuse to delete inaccurate information and update my credit report. Multiple representatives have told me all accounts on my credit report are attached to a name that is not my name or never been my name. Experian refuses to update my credit report and delete all negative items it is reporting even though it is all inaccurate and I have provided all requested documentation. I am unable to access my Experian credit report through XXXX or Experian directly. I am unable to lock my credit profile until this issue is resolved. I am unable to do anything and they have not fixed anything.

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 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
SOMEONE STOLE MY IDENTITY AND USE MY SOCIAL SECURITY NUMBER AND SUMMITED SEVERAL FRAUDULENT APPLICATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-13
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AFNI XXXX in XXXX IL. opened collections on XX/XX/2020 for a XXXX past bill of {$310.00} which i do not deny because of terrible service and had planed on paying. 2 months later XX/XX/2020 i seen a derogatory statement on my credit report. Which dropped XXXX score 48pts. I have worked so hard to get near 700 so i can move. I called them to explain that i have not worked since XX/XX/2020 because of Covid Virus shut down most work in Michigan and i have not been back yet. I asked why did you do this now during the Virus. This person i talked to is in Illinois and went on to say most people in Mi. are back to work LOL. They went on to say the reason i am not working is because i do not want to work i said really, I guess you have not seen unemployment numbers in Mi.. I got mad and hung up my bad i guess.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX . 
XXXX, Fl. XXXX This complaint is follow up on complaint # XXXX XXXX  XXXX XXXX I received a Notice to Foreclosure from the company XXXX sold my account ( Carrington Mortgage Services LL. XXXX XXXX XXXX, XXXX, IN XXXX demanding $ XXXXfor none payment of mortgage from XX/XX/XXXX- XX/XX/2018. I received a letter XX/XX/2018 stating my mortgage was sent to the carrington company and to make mortgage payment to them starting XX/XX/2018. XX/XX/2018 l sent a certified check in the amount of {$1100.00} to carrington company and the check was returned with a letter stating l owed them {$7000.00}. i CALLED THE COMPANY AND THEY STATED NO MORTGAGE PAYMENTS WERE PAIR TO XXXX from XX/XX/XXXX-XX/XX/2018. I explained to them that l paid the mortgage during that time in person to the regency XXXX, in XXXX, Fl. I have been trying to contact the mortgage dept of XXXX to know avail. The money seems to have been stolen from my account. I ask for a copy of my payment account and no one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX charges appear on my account for many months I had plenty of money in my account and I have been sick a lot so I really Hadnt noticed the constant withdrawals I called in on XX/XX/XXXX to report the unauthorized charges on my checking account. They took the report and would be deciding on putting a temporary credit I few days later that happened then when I was out of town I notice my card being denied and I look into it and the bank reversed all of credits I called them snd they said that some time in XXXX I okd all those charges there is no way possible that they spoke to me snd these charges arent mine I keep getting s run around snd they say someone will call me but not one single person has followed through How could they remove the temporary credit a couple days after they gave it to me when it takes XXXX for 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 2020-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received an email from Bank of America indicating that I had incurred a number of charges and that payment was due in 3 weeks. I contacted BOA ( XX/XX/20 ) and they reassured me that I would not be responsible for the charges. I have the card in my possession and the charges have been reversed. 

They claim to have mailed a new card to me in XXXX which I never received. I asked how could the card have been used when I never activated the card. They could not reply with an answer. 

This resulted in a lowering of my FICO score. I have tried 3 or 4 times to close the account to no avail. For some reason they refuse to do so. 

As you know, crime has increased significantly during the pandemic. For this reason, I felt it best to close a number of my credit cards. 

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 2018-12-27
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX ( XXXX ) XXXX This number I dial for my annual credit report automatic hard copy of my report, XXXX was the only one that honored my request, I was given online access to my report from XXXX and exquafax that I did not request nor do I want. I called XXXX and they are honoring my request for hard copy and are, I was told investigating why my hard copy request was not honored. Now exquafax is refusing to give me my hard copy of my credit report yet they gave me access via the internet. Due to exquafax being hacked I do not want internet access I want a hard copy, in order for me to get the hard copy they are asking me illegal questions that are not required for me to obtain what is already mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have two accounts on my credit report that are reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed these two alleged accounts with Transunion on XX/XX/2021. The 1st account is from XXXX XXXX and there are numerous errors reporting such as the balance, & payment history. The 2nd account is XXXX XXXX and the payment history reporting is incorrect on this account. Since sending the letters on XX/XX/2021, I did not receive a response from Transunion within 30 days as required by law. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to dispute these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.

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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You may seek damages from violators. ... XXXX, Banks, savings associations, and credit unions with total assets of over {$10.00} XXXX and their affiliates ... FTC Regional Office for region in which the credit operates or Federal Trade Commission : ... 

XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX  of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the XXXX XXXX XXXX XXXX XXXX spurred the FTC to take action which began in XXXX of XXXX. 

The FTC complaint, echoing those from XXXX and the XXXX XXXX XXXX XXXX XXXX, accuses XXXX XXXX XXXX of doctoring up loan applications, reporting false customer income amounts and false advertising. 

The FTC came to us and said were prepared to file this complaint unless you settle with us, XXXX said. In the negotiations that followed, XXXX said, it became apparent to him that the FTCs case was short on facts. Initially, XXXX said, the FTC proposed a settlement that would have had XXXX paying {$1.00} XXXX. That amount being offered now is down to {$500000.00}. 

When Tates confronted the FTC, questioning the veracity of information from XXXX, the agency brought up the complaints from the XXXX XXXX XXXX XXXX XXXX. The FTC said nearly 50 percent of the complaints from XXXX car buyers were aimed at XXXX. 

XXXX said his next move was to send his XXXX XXXX XXXX, a XXXX, to explore the XXXX XXXX XXXX XXXX XXXX data. What he found out was that they went around to the XXXX  Houses and asked people if they had any complaints. It is true that the majority of complaints were about XXXX, but many of them were about things like I didnt get my payment book, things unrelated to the deal. 

With three dealerships in XXXX XXXX border towns, XXXX said, his company likely sold the most vehicles to XXXX  and its not surprising that his dealerships were mentioned most in complaints. 

From the thousands of cars and trucks that XXXX has sold to people who live on the XXXX XXXX, XXXX said, of the total number of complaints the XXXX XXXX XXXX XXXX XXXX gathered around 30 or 40 are about XXXX. 

They all know XXXX a bad actor, thats been proven, XXXX said. But, I think the FTC wants to go after dealers that benefitted from this. I think theyre suggesting that there are dealers that exploited it, saying dealers should have acted when XXXX  didnt. 

XX/XX/XXXX - The dealer may hold onto the contract, but typically, it's sold to a bank ... settle the FTC 's charges that the company violated the FTC Act. CPS ... Every consumer has the right to be treated fairly when it comes to debt collection.

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 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. REFER TO THE ATTACHED IDENTITY THEFT REPORT. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ANDXX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED FIVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE. 

I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XX/XX/XXXX I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS

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 2021-03-05
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I was contacted by a person who identified himself as a representative of the Fraud Division of Regions Bank which showed up on my phone as regions bank calling, therefore, I believed that this was a legitimate call and proceeded to follow his instructions which was that fraudulent activity had been detected on my account and in order to stop any money from being taken from my account that he would send me a text message with a 6 digit number that I would relay to him to authorize and assure that he was speaking to the owner of the account. I did exactly what I was instructed to do but was unaware that I was actually authorizing him to withdraw money from my account. I am XXXX years old and on a fixed Social Security Income and {$990.00} stolen from me causes a real hardship. I have attempted to work this with Regions Bank but they believe that I was complicit in the action that took place. How did this person get my bank account number and my phone number which is a cell number which I have only submitted to Regions 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 explanation
Consumer complaint received 2018-12-27
Company: Navient Solutions, LLC.
State: OH
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 did online school at XXXX university after graduating can not find a job in the same field opened up my student loans in XX/XX/XXXX I was not making payments on my student loans because I was always in forbearance they cant sleep report 30 60 even 180 days past due I have never been late I have never started making payments till XXXX and Ive been current cents but stated on my credit report one month I will be current the next month Ill be 30 days past due then Ill be current again and then two months later Ill be 60 days past due then 120 days past due then 180 days past due this is all false information reported to the credit bureau There in the forbearance I followed all the guidelines that you were supposed to follow Ive called them several times for them to fix my credit report and all I get from them is excuses of why that its on their excuses they give me or incorrect and dont understand if youre not paying anything due to being in forbearance how that you can be late Ive been working with them for years trying to get this fixed please help thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have disputed this account from my credit files many time transunion has yet to remove it this matter has been longer than 30 days now and needs to be remove asap

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 2020-08-24
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:
I filed a dispute with Equifax for a public record on my credit report that had inaccuracies. They did their investigation and verified the information was correct. I then submitted another dispute and provided supporting documents to show the inaccuracies and with those inaccuracies that account is not mine. Equifax after verifying the information to be true has now just modified the account instead of removing it as I have asked. Equifax verified this information was correct from the court but was not and has been on my credit report since XXXX and Ive disputed this account in XXXX. I ask that Equifax remove the account and not modify it because they verified an inaccurate account at accurate twice from the court house/ XXXX and it was incorrect. I ask that they provide the account as listed before the modifications as proof that those inaccuracies I reported were in fact true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I've been trying to setup an affordable payment plan with Navient since XXXX of this year when my IBR plan that I consistently have paid for a couple-few years now expired/needed to be renewed. I've been misinformed several times on phone calls over the past few months and was told one month ago ( third attempt of processing application for affordable plan ) that my payment would be lowered in time for the due date this month because I had made the {$5.00} payment to reset the account into the new plan. Someone on their end failed to submit the paperwork in time so the website still says I owe an amount significantly higher than what it should be. The staff is rude and unwilling to help when I call and quickly offers to set my account up for forbearance every single time I call. I just want help getting an affordable payment amount and don't trust that it is going to happen after speaking to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened up a Citigold package account in XXXX 2021 which would give me {$1500.00} bonus once I have {$200000.00} combined balance In there and keep the balance for 90 days. I completed the requirements and hadnt see my bonus posted yet. I called when I opened the accounts and I was told she can see the code. I called in XXXX and the representative assured me the bonus will be posted within 6-8 weeks after I completed the requirements which has passed.

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 2020-05-18
Company: EQUIFAX, INC.
State: CA
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 asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told that I was not able to get a credit increase at this time because there are several negative accounts on my credit report. I had no idea that these accounts were on my credit because none of them belong to me ; I did not open any of those accounts and I did not allow anyone to open those accounts in my name using my personal information. I still don't know who is responsible for opening these accounts without my permission but I have already filed a police report. I did not benefit anything form these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliated with any of the companies I listed and I do not have any type of written/verbal contract or agreement with them.

Company response to consumer: Closed with explanation