BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: NC
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:
One about XX/XX/2020 I had numerous accounts deleted from my report as follows XXXX/XXXX  # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX  # XXXX, XXXX XXXX  XXXX # XXXX # XXXX # XXXX from Equifax I have reached out numerous times requesting those accounts be reinstated Equifax also sent me 3 separate credit reports stating those accounts are being reported. The problem Im having is when financial institutions are pulling my report from Equifax those accounts are not being reported I signed up for My Equifax credit monitoring online they also showing those accounts not being reported I have contacted them over the phone and have spoken to a supervisor without resolution on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Quality Asset Recovery LLC
State: NJ
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:
Hello. 

I originally had a collection account with Quality Asset Recovery ( Company 1 ) and then the collections was bought out by XXXX XXXX XXXX, XXXX XXXX ( Company 2 ) to which I paid in full the entire account as of XX/XX/2019. After XXXX, I noticed that the collections were still not removed from my XXXX XXXX and repeatedly called both companies to try to resolve the issue. Company 1 claims that they will not remove it off my report because I did not pay them. Company 2 says that they called Company 1 saying I paid in full. I called the ORIGINAL lender and they told me that the amount of what I paid is correct for Company 2, so I know that the entire account and all of the invoices listed are now paid in full.

To date, and 5 months later, there are three collections still on my credit report even though I have called everyone many, many times and even filed disputes to correct this and close the accounts. Company 2 said they even mailed information over to all credit agencies, but I have no record of them doing so. Additionally, they now state that I am not allowed to call Company 1 because they hold my account. I just want this off  of my credit report, hopefully as of XXXX, since I am trying to build my credit and this has been a thorn in my side for months. I never get a complete answer.

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 2021-08-20
Company: Experian Information Solutions 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 information incorrect

Complaint:
On this date XX/XX/2021, experian continues to misreport my actual account balances. I try to dispute at their site but have been denied being able to dispute due to their failed systems. Their misrepresenting my account balances is leading my credit scores to decrease, causing me to lose access to monies.

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 2017-10-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TARGET/TB BANK REFUSES TO REAGED MY ACCOUNT AFTER ACCEPTING A PROPSAL ON XXXX XXXX, XXXX FROM MY DEBT MANAGEMENT PROGRAM XXXX XXXX XXXX XXXX. THEY CONTINUE TO REPORT LATE PAMENTS 30 DAYS FOR XXXX XXXX AND XXXX XXXX TO ALL THREE CREDIT REPORTING BUEARUS. I HAVE DISPUTED THIS WITH THE CREDIT REPORTING BUREAUS AND TARGET/TD BANK. WITH NO POSITIVE RESULTS. 
IN ADDITION, TARGET/TD BANK RECEIVED PAYMENTS ON XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX XXXX, XXXX AND STILL CONTINUES TO REPORT 30 DAYS LATE PAYMENTS FOR XXXX XXXX AND XXXX XXXX. I HAVE PROVIDED DOCMENTED PROOF OF PAYMENTS MADE FOR THOSE MONTH BY XXXX XXXX XXXX XXXX AND RECENT LETTERS FROM TARGET STATING THAT THE INFORMATION REPORTED TO THE CREDIT REPORTING AGNECIES IS CORRECT. I CAN UNDERSTAND IF NO PAYMENTS WERE MADE, THEN I WOULD ACCEPT BEING REPORTED 30 DAYS LATE FOR THOSE MONTHS REPORTED, BUT PAYMENTS WERE RECEIVED BY TARGET, AND TARGET STILL REPORTED 30 DAYS LATE FOR XXXX XXXX AND XXXX XXXX, THIS IS UNFAIR. I HAVE ALSO ATTACHED A COPY OF THE AGREEMENXXXX XXXX XXXX XXXX XXXX MADE WITH TARGET/TD BANK WHEN THEY ACCEPTED THE PROPSAL ON XXXX XXXX, XXXX THAT STATES AT THE BOTTOM THAT THE ACCOUNT WOULD BE REAGED AFTEER THREE ( 3 ) CONSECUTIVE PAYMENTS. I HAVE ATTACHED 9 PAGES OF DOCUMENTATION TO SUPPORT MY CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: MO
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: MN
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 want to know why it is that every time something positive happens on my credit report my score reduces or stays the same I have was told by the reporting agencies that if I paid off a collection that was on my account that my score would increase at least by XXXX points it has stayed the same I've paid off this debt the debt was not mine and I was forced to pay it off understanding that I would be increasing my score by XXXX points if I did so I did my part they did not do their part I want to know why I'm being targeted and anything that positive that happens with my credit my score goes down or stays the same I don't understand why they're doing this I would like you to help me

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 2019-07-14
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I Pulled my credit Report notices that there where Collections on my report that i was never Informed of. Wrote the company Credit Bureau Associates on XX/XX/2019 Requesting that they Provide Proper Documents validating the Above Collection that was applied to my report. I sent the Letter Certified Mail they received it on XXXX XXXX i allowed the 30 days. I didn't receive anything from the Credit Bureau Associates i then sent a follow up letter stating because they have yet to send the proper documented stating this was my account. Because of the Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. The follow up Letter was sent out on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been having so many issues with Freedom Mortgage company since they purchased my mortgage. I have been a homeowner for over 6 years and I have never missed a mortgage payment nor have I been late on any payment. Due to the ongoing issues with Freedom Mortgage, I refinanced my mortgage from Freedom Mortgage company and is due to receive an escrow refund. On XX/XX/XXXX, I requested that my refund be mailed to me and the company collected my bank account and routing information stating that my refund will be deposited on XX/XX/XXXX. I called back on XX/XX/XXXX because the funds were not deposited to my account and I was told that it would be deposited on XX/XX/XXXX. I then called back on XX/XX/XXXX after not receiving my refund and I was told that the money will be deposited on XX/XX/XXXX. It is now XX/XX/XXXX and I have not yet received my escrow refund. 

None of the representatives at Freedom Mortgage have been able to provide justification as to why the date keeps getting pushed back, neither can they provide a date of when I should be receiving my money. Every time I call, the response I've gotten was that they will submit a request to have my money refunded. I don't know why it is so difficult to refund 'my ' money back to my account. This has caused a lot of XXXX XXXX XXXX XXXX on me, including my monthly bills being past due. 

I have been escalated to multiple escalation managers who have 'assured ' me that they have submitted a rush on the processing of my refund. I have also been told that I would receive a call back and has not yet received it. Every time I call Freedom Mortgage, I am being told that a new ticket has been opened with an expected completion date that is usually 2 weeks out. I called in again, now 5 weeks after my initial contact, to be told by an escalation manager that all the previous representatives have been entering the incorrect code which is why my refund has not been processed. With all the detailed notes that I have provided, including the required legal documents, how can 7+ representatives and managers all input the incorrect information? At this point, I am unsure if Freedom Mortgage is a legit mortgage company that will be refunding my money.

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 2019-05-13
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
We have a prior case number with the CFPB. # XXXX the account # XXXX. 
On XX/XX/XXXX, we received a letter from Specialized Loan Servicing ( SLS ) stating that the money we paid them was voluntary. yet back on XX/XX/XXXX, the letter we had stated Default Notice and Notice of Intent to Foreclose. 
What we ended up doing was borrowing XXXX from our retirement to reinstate the loan as this was the only real option given by XXXX XXXX, Teller ID # XXXX to protect us from the threatening foreclosure process. Our reasoning was to not lose the sizeable equity we have in the home. 
Since reinstating the loan we have grown tiresome of the company and the way they do business. Fees here and there so we have decided to refinance the home with cash out to pay back the retirement borrowed and to get rid of SLS forever. The payoff they require is XXXX that's XXXX total. Is that fair? 
The original loan was XXXX and it was discharged in the bankruptcy. 
Upon researching this company and I hope you do. You will find they are predatory and are heartless. When you call you can not talk to anyone with a title, nor can you speak to a manager unless you have a CFPB Case #. Even then they are rude and will talk over you and won't let you be heard. 
We wanted to try and settle with the resolution/loss litigation dept and see if we paid a lesser amount to make this go away and the representative named XXXX wouldn't let us speak. They won't even give us a statement of our account. They say the legal dept won't let them. 
We are going to finish the current cashout payoff to get rid of SLS, if there is anything that you can do to help us recoup any of the XXXX from SLS we would appreciate it.

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 2019-05-13
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I purchased several prepaid Mastercards and I am unable to log into the website and verify the balances on the cards. Also, I am unable to register the cards. A vender tried running the cards and ALL were declined. Calls this date to customer services to notify them of the website issues were ignored.

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 2019-05-13
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The current account on my credit report is not mine I am a victim of ID theft I have sent an ID Theft Report this company has chosen to ignore my proof. They are blatantly disregarding FCRA and FDCP statutes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Chase checking account. My debit card or account was hacked and because the transactions were linked to my pin chase is stating I made those transactions. Which I didnt .. its not impossible for hackers to obtain all your information and its disappointing chase cousins help me with refunding me my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In XXXX I was informed by XXXX XXXX XXXX XXXX I was involved in a large data breach where my account and personal information were compromised. In XX/XX/XXXX I reviewed my credit report I noticed several fraudulent accounts I believe to be from this breach. I would like the incorrect documented information on my credit report removed immediately.Thank 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 explanation
Consumer complaint received 2021-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The Bank of America, XXXX, New Jersey branch was preventing me from making a deposit because they refused to wipe down the machine into which they required me to place my identification card. The branch manager did not social distance. Apparently the Bank of America is unaware that there is the very deadly novel coronavirus that early spreads as both the teller and the branch manger told me that they only clean the machine once a day! If I can even believe that!

Reckless on the part of the Bank of America! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX ( XXXX  ) pro se

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I sent several letters to Trans Union about my credit reportAnd unfamiliar items on my credit report I havent got a response or any change to my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CL Holdings LLC
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Within the past 6 weeks, approximately, I have been receiving collection calls from a company called Jefferson Capital. They first told me I had a XXXX student loan in collections, there was a judgement against me, and that my wages would be garnished. I explained to him that 1. I am currently in school and as far as I know, all of my loans are in good standing. 2. I have paid Jefferson Capital a charge off in the past so I think they are targeting me because of that. 3. The first time I actually spoke with a person on the phone, around the XXXX of XXXX, I asked them to please put sometihing in wiritng for me. They claimed that they had. They have not. I was told that they had a judgement and that my wages would be garnished. As I said i am in school and according to XXXX all of my loans are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I first reported XXXX XXXX as a fraudulent set of fees totaling over XXXX to Barclay 's American Aviator MasterCard in XX/XX/XXXX. The charges were from XX/XX/XXXX and into XX/XX/XXXX and I believe backdated onto the card. Barclays said it was " a real company '' and denied the request to reimburse the funds to me. 
However, after filing with your agency, the President 's office was aware of the XXXX XXXX XXXX XXXX XXXX listed on the website XXXX and finally agreed to reimburse the XXXX and it was posted on my account on XX/XX/XXXX. 
From XX/XX/XXXX to XX/XX/XXXX and when reported 9 months ago, there has been 28 % interest added to these charges Barclays failed to reimburse until your company was involved. 
In addition, they say " policy '' will not allow that reimbursement to be used toward the TRUE balance that has always been minus XXXX. That policy only supports the credit cards when fraud is proven and NOT the consumer who did not regain interest and does not have the TRUE balance that has always been minus XXXX. I have left 3 messages for a call back that has not happened, waited on hold for a total of over 5 hours in 9 months, returned calls to President 's office where you can not reach the person who was helping you as the recording says, " President 's office not available '', continue to receive robocalls requesting a payment on my card that has XXXX credit on it. That policy is wrong at so many levels.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I've had constant problems with Equifax and XXXX not removing fraudulent information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
account sold to XXXX -- -paid for delete and they are still refusing to remove it

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 2021-12-02
Company: Regional Management Corporation
State: OK
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:
Not applicable to me, Fraudulent Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep pointing the fingers. 

The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.

Company response to consumer: Closed with explanation