BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
From my credit report " XX/XX/XXXXXXXX Account Closed Lenders like to see that you have experience successfully managing your credit. Closing an account could affect your average age of credit history. Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. 
XX/XX/XXXX XXXX '' I assume this means the XX/XX/XXXXXXXX XXXX, with who I don't have a credit account with.

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 2019-08-29
Company: MIDFIRST BANK
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried to open an online savings account with VIO Bank twice and been denied. 
The bank refuses to give a reason, though I was told on the first application it was a Consumer Credit Agency report problem and asked for additional information ( facsimile of Driver 's license ( which was provided ) ). The bank refused to provide a letter stating the reason for the denial. 

On XX/XX/19 I filed a new application, which was again denied online. A call to the bank resulted in the customer care representative telling me that he could not disclose any reason for the denial. I told him I would request the reason for the denial in writing. After consulting with his supervisor, the VIO Bank rep reported " that is only for brick and mortar institutions, we are strictly an online bank ''. When I asked if any Consumer Reporting Agency was used to deny my application, the rep refused to answer. 

It is obvious that SOME Consumer Reporting Agency was used because the personal identification questions that the bank used were directly from my credit history and that information was provided during my initial application by a previous representative.

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 2019-11-05
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:
Hello I reached out to you all back in XXXX about some items on my credit that were not mine. This has really been a big inconvenience and has put me in a really bad spot. Some of the items were handled but there are still two more and some inquiries. Please remove these accounts from my credit asap. I got in touch with the local police also the ftc. Items for removal : XXXX XXXX XXXX XXXX and XXXX And the inquiries are XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did, stating that everything was accurate. 

I did a research myself and found improper inaccuracies on my credit report even after they did a careful research.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I went to buy a new XXXX XXXX on XXXX XXXX from XXXX of XXXX. They got approval for my credit financing for the loan from BECU XXXX XXXX. I signed the purchase agreement and brought the car home. For days later I received a letter from the dealer to return the car immediately as the financing had been denied. I was not given a reason why the financing has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute with Experian and XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. the first letter I asked them to verify that the accounts in question belonged to me. The letter sent on XX/XX/2020 was a follow up letter asking them for the results on the 1st dispute. The letter sent on XX/XX/2020 was an intent to file a complaint for the accounts that were not properly investigated by them. This letter also pointed out facts of the accounts that showed that these accounts are reporting inaccurately. some of this letter was typed which I will attach and the factual inaccuracies were handwritten, which I am unable to attach. For example, each bureau reported different dates as well as different amounts. Also, they were also reporting different amounts. I sent regular letters as well as certified letters asking hem why they were reporting different information if they are receiving the same info from a creditor. I never got a response. Just an updated account on XXXX  and a dropped score.

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 2019-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are XX/XX/XXXXXXXX XXXX XXXX veterans and on social security XXXX and are experiencing a hardship and have a servicing complaint against Bank of America regarding the review of my loan for mortgage assistance. I have been denied due to an erroneous reason : unable to verify income is what they are using. My income consists of Military XXXX and Social security XXXX. This is verified with current award letters and 2 months bank statements with the deposits circled. To claim to not be able to verify this is covered under the following : XXXXAIR HOUSING ACT VIOLATION FOR DISCRIMINATING IN THE TERMS AND CONDITIONS OF A MORTGAGE OR LOAN MODIFICATION BASED ON DISABLITY, RACE, COLOR, RELIGION, NATIONAL ORIGIN, SEX, OR FAMILIAL STATUS. 

They are also claiming that since in XXXX to XXXX of 2017 ( 2 years ago ) I received some self employment income there was a discrepancy and they will not review me no even though I had a change of circumstance over a year ago and I do not have any self employment income at all now and am not claiming it on my mortgage assistance application.

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 2019-02-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a 30 year fixed rate mortgage. I decided to get ahead and start a biweekly payment schedule to make an extra principle only payment annually. According to Wells Fargo 's website : " ... When you split your payments like this, you're making the equivalent of 1 extra monthly payment ... This extra payment is applied directly to your principle balance. '' I started biweekly payments on XX/XX/XXXX and it is now XX/XX/XXXX. Only 1/2 of a monthly payment was applied to principle only on XX/XX/XXXX. There was not another principle only transaction during this period of over 1 year ( 35 1/2 payments ). I any given 12 months only 12 payment are due, or 24 1/2 payments. I made 26 half payments, which is 1 full payment over what I owed. A full principle only payment should have been applied at some point during that year of 26 payments. I am at 35 half payments with only 1/2 payment being applied directly to principle. I contacted Wells Fargo and they responded saying their actions are correct even though it conflicts with information on their website. They said 3 payments have to be made within one month in order to apply a payment to principle only. I don't feel like this practice is fair because on XX/XX/XXXX there was a payment made that could have been applied to principle only and the payments made on XX/XX/XXXX and XX/XX/XXXX would have satisfied the XX/XX/XXXX balance due within the grace period. This arbitrary rule of 3 payments within one month caused me to pay more interest in XXXX than I did in XXXX, which, should be impossible considering I have a fixed rate loan and have never missed a payment.

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 2017-09-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Trying to do a credit freeze on all the credit reporting agencies due to the XXXX fiasco. Am being told there is a {$5.00} charge to freeze/unfreeze an account in Arizona at all three agencies. This is outrageous. Have already contacted the Arizona Governor, the Attorney General, and all my legislators about having this regulation for fees rescinded. Three legislators have called me back and I am being told they will not be able to introduce any bills till after the new state session starts in XX/XX/XXXX.
Citizens should not have to pay any fees for this freeze service. The credit agencies make enough money already and do n't need to subject us to more payments while we try to mitigate this disaster.

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 2020-07-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX IS SHOWING LATE PAYMENTS I WAS NEVER LATE I ASKED FOR REMOVAL MULTIPLE TIMES. THERES XXXX LKATE PAYMENTS BEING REPORTED THAT NEED TO BE REMOVED FROM ALL XXXX BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: OPTUM BANK, INC.
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX my XXXX  hit me with some significant extra charges at the point of service, so I paid them out of pocket because upon calling my XXXX and verifying myself over the phone, I was informed that they would not help over the phone. This set off a chain of events over two weeks, multiple attempts to access my account, and it's become clear that Optum Bank XXXX uses layers of rigid corporate policies to discourage customers from using their funds. 

I have called them XXXX times in the two weeks since and despite every time, verifying my ( 1 ) social, ( 2 ) DOB, ( 3 ) address, ( 4 ) dependents, ( 5 ) phone number and ( 6 ) employer they REFUSE to update my mailing address, send me a new debit card, mail the reimbursement request form, or even provide my XXXX account number. All of these refusals were because I could not also verify any activity on an account that has had no activity due to not being able to access my funds in this account, and despite correctly verifying the other six ( 6 ) above listed fields. 

This is clearly a company going out of its way to not help customers and keep their funds rather than making them available for the intended use of an XXXX. More frustratingly, I can't do anything about this. I can't go to another XXXX because we don't have a choice in the matter. So I guess my funds will just sit forever with Optum instead of helping me access healthcare, which is obviously the ideal outcome for Optum.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Trying to do a credit freeze on all the credit reporting agencies due to the XXXX fiasco. Am being told there is a {$5.00} charge to freeze/unfreeze an account in Arizona at all three agencies. This is outrageous. Have already contacted the Arizona Governor, the Attorney General, and all my legislators about having this regulation for fees rescinded. Three legislators have called me back and I am being told they will not be able to introduce any bills till after the new state session starts in XXXX. 

Citizens should not have to pay any fees for this freeze service. The credit agencies make enough money already and do n't need to subject us to more payments while we try to mitigate this disaster.

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 2023-07-26
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I cancelled my XXXX XXXX and then the American Express Credit Card got automatically cancelled, which is fine, but now I'm getting bills from American Express even though my account was closed with a XXXX balance last I had checked and there were no pending transactions to be resolved and I always had autopay set up on the account ( and still do ) ( I always maintained autopay and a {$0.00} balance and these bills started well after any pending transactions would have reasonably been resolved ) and so there is no way that I could still owe American Express any money, but I'm receiving bills for {$780.00} and now XXXX on some account that seems to be the credit card that they had closed and it all makes no sense. This is very disconcerting and I'm not sure if it's fraud or something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I spoke with a XXXX XXXX representative asking some basic questions about a refi. Several months later I ran my annual free credit report and saw that there were 2 recent hard inquiries. When I asked Experian, they stated XXXX XXXX had run a credit report. Experian reached out to XXXX XXXX, they stated that in my conversation with them I gave the Mortgage Banker the necessary information to review my credit. 

I did no such thing! I know what my credit score is, there is no way during the initial phone call would I give a level entry person my information and authorization to run a hard credit check on 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 2022-12-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX XXXX Acct # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX These accounts were created when my identity was stolen and I want them removed and deleted from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 an 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 non-monetary relief
Consumer complaint received 2023-09-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never received written notification about this outstanding debt. Under section 605b of The Fair Credit Reporting Act ( FCRA ) both the credit reporting agencies ( CRA ) and the furnishers ( creditors, debt collectors, and other companies that reported that information ) are responsible for blocking that information from appearing on a victims credit reports. I am a victim of identity theft. 

XXXX. WF/FMG acct. # XXXX bal. {$6500.00}

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 2020-01-31
Company: EQUIFAX, INC.
State: MA
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:
In XX/XX/XXXX I contacted Equifax and advised I was disputing several accounts they were fraud on my credit report I advised them of a XXXX account in the amount of XXXX opened on or around XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX and also an account from an original creditor by the name of XXXX XXXX XXXX in the amount of {$32000.00} opened on or around XX/XX/XXXX I also advised them of another collection account with XXXX XXXX in the amount of XXXX opened on or around XX/XX/XXXX Ive sent in another dispute on XX/XX/XXXX asking once again for this to be reinvested I have tried to contact the collection agency got XXXX XXXX I get nothing but a ringing no answer no voicemail I was just told on XX/XX/XXXX that my dispute result from XX/XX/XXXX was found that the information belong to me it was valid however I was not provided with any proof any paperwork or anything regarding this investigation I contacted Equifax again on XX/XX/XXXX they advised me that the collection agency has 30 days to respond to them I do not feel this was properly investigated back in XX/XX/XXXX if it was then it would have been clear that this account did not belong to me and was fraud and removed from my credit report just like XXXX XXXX and XXXX   removed this particular account from my credit report lastly XXXX is also disregarding a disputed account from Creditor Information XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX in the amount of XXXX and I have no knowledge of this account I explained my email was compromised my belongings were compromised and also I was apart of the data Breach with Equifax as well also an account showing closed with XXXX XXXX   for XXXX opened on or around XX/XX/XXXX and is showing closed with a balance and I never done business with these people I explained to the company and also the credit bureaus and they are refusing to remove these off my credit reports. All of these accounts were disputed on or around XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: Rubin & Rothman, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
In XX/XX/XXXX my XXXX XXXX was one month away from lease being complete. I was paying the car note. The XXXX  was impounded by XXXX for tickets. Since it was so close to time to return vehicle and I wanted to be transparent, by notifying XXXX XXXX XXXX XXXX, they told me since they were title holder they could get car out of impound, they never told me they would consider this a default to my lease agreement. Once that was done they considered a default on my lease agreement and charged me for the entire amount of car. I paid over {$4000.00} then stopped paying in XXXX. This year I received a notice in XXXX XXXX that a judgement to garnish wages have been taken against me. I live in XXXX and have been for 8 years. They are demanding I pay {$8100.00} for this car loan to XXXX XXXX XXXX. They took possession of the car and I paid over {$4000.00}. They are threatening to garnish wages. This would devastate me considering I am currently a single income household.

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