BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 I paid {$59.00} with debit card ending in XXXX for auto part shifter assembly received XX/XX/23, item # XXXX. As I was ill advised by dealership parts dept. to purchase, my mechanic decided against installation & advised me to return. The seller has not sent return label & XXXX is siding with seller, with enclosed copy showing shifting label arrival timeline, suggesting bias toward the seller.On XX/XX/23 when I called Bank of America to file dispute, the only option the bank provided, the representative identified me, placed me on long hold, then hung up, thereby denying me the right to file dispute against XXXX seller, proving bias as well for this seller.

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 2023-09-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 EQUIFAX MTG 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 non-monetary relief
Consumer complaint received 2020-03-01
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: Old information reappears or never goes away

Complaint:
I have disputed this item on my reports since 2018, I have disputed the fact that I paid this card off and it was closed but not at my request. XXXX  XXXX is falsely stating on my credit reports that I requested to close the account and that there's a balance still owed so the debt will remain there to severely damage my credit ratings.

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 2020-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
I have disputed this item on my reports since 2018, I have disputed the fact that I paid this card off and it was closed but not at my request. Capital One is falsely stating on my credit reports that I requested to close the account and that there's a balance still owed so the debt will remain there to severely damage my credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2017-10-02
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 status incorrect

Complaint:
Experian allowed XXXX XXXX to place a collection account on my credit report in the amount of XXXX USD. The original creditor is XXXX. After speaking with representatives within XXXX, I have been told I have a XXXX balance ( XXXX ). Without any regard for my personal and/or credit worthiness, Experian decided to put this on my credit report. As I am in the process of buying a home, this has put a dent in my credit making it harder to purchase a home! Should someone get a slap on the wrist or should a full blown lawsuit follow this to justify what has happened to me and I 'm sure, tens of thousands of others ...

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 2020-03-01
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Discover has reported late payment to all credit agencies for XX/XX/2019 while the account balance was under case review with CFPBs guidance : COMPLAINT ID XXXX During the entire length of the review I was locked out of my account and unable to make payment. Additionally, the minimum payment due at the time was based off a much larger and incorrect balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: SLM CORPORATION
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To Whom It May Concern : Id like to file an official complaint against Sallie Mae regarding harassing telephone calls and emails. My wife is a cosigner on three student loans our son received. I pay the monthly bill and my wife has authorized me to speak with Sallie Mae regarding the account. 
In late XX/XX/XXXX ( XX/XX/XXXX ), I mailed my XXXX monthly payment to Sallie Mae in the amount of {$320.00}. Starting on XXXX XXXX and daily through XXXX XXXX, we received emails from Sallie Mae implying our payment was overdue. During the week of XXXX XXXX, I received a phone call from Sallie Mae regarding this matter. 
So, whats the issue? My electronic bank records indicate my XXXX payment of {$320.00} cleared my XXXX account on XX/XX/XXXX. Despite this, we continued to get both collection emails and telephone calls weeks after my payment was received, and at least a week after it cleared my bank. 
I previously called Sallie Mae in XXXX to double check that the payment was being sent to the correct post office box and that the correct information was being included on the check. The representative I spoke with told me I was using the correct address and the information I put on the check was correct. 
These events that occurred throughout XXXX have been consistent for at least six months. My wife and I honestly dont know if this is incompetence on Sallie Maes part or an orchestrated attempt to try to get us enrolled in automatic payment, which we choose not to do.

We also dont know how to stop Sallie Maes harassing collection attempts that are being made in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX : I have NEVER given this company consent to my private personal information which is identity theft. This company nor whomever their client does not have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately.

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 2020-03-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter dated XX/XX/XXXX to a XXXX XXXX from XXXX XXXX XXXX, XXXX attempting to collect on a 12 year-old ( and disputed ) {$9000.00} debt. This debt is not only well past the statute of limitations in Idaho and in Washington, it was disputed by me, in writing, to XXXX XXXX XXXX, XXXX, multiple times, the most recent of which was 8 years ago. 

I am concerned about this illegal collection letter/attempt and any impact it may have on my credit bureau scores. The illegal collection letter also reads deceptively with a colored band across the upper portion of the letter titled, " Choose a savings plan that works for you. '' Finally, please note : My legal name has not been XXXX XXXX, the name to which this letter was addressed, since XXXX. This alone is a good indicator of how long I have been disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a matter that requires urgent resolution. My aim in reaching out is to ensure compliance with the Federal Credit Reporting Act, specifically 15 USC 1666b and 15 USC 1681 ( 2 ) ( A ) ( i ). 

I have initiated contact with XXXX XXXX  regarding the negative late payment that has been reported on my consumer credit report. This interaction is in line with the provisions set forth in 15 USC 1666b and 15 USC 1681 ( 2 ) ( A ) ( i ). I've engaged with XXXX XXXX  on two separate occasions, with tracking numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, in an effort to address this discrepancy. 

Furthermore, I have diligently notified TransUnion, XXXX, and XXXX about the inaccuracies in reporting. Multiple notices have been sent to each of these parties in an attempt to rectify the situation and ensure the integrity of my credit report. Subsequently, I had the opportunity to speak with a representative from TransUnion 's fraud department, conveying the urgency and importance of this matter. During the course of our conversation, I spoke with a manager named XXXX and reiterated the issue at hand. However, this conversation took an unexpected turn when XXXX abruptly ended our call, causing unnecessary delays and inconveniences. 

I am submitting this report in good faith, with the primary intention of ensuring that all Creditors and Furnishers of Information adhere to the stipulations of the Federal Credit Reporting Act. Accuracy and compliance are essential to maintaining the credibility and reliability of consumer credit reports. 

I kindly request your assistance in expediting the resolution of this matter. I believe that by working collaboratively, we can ensure that accurate and lawful information is being reported. Should you require any additional information from my end, please do not hesitate to reach out to me. 

Thank you for your prompt attention to this issue. I look forward to a swift resolution that aligns with the provisions of the Federal Credit Reporting Act.

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 2023-08-06
Company: Affirm 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: Their investigation did not fix an error on your report

Complaint:
Your inaccurate reporting has had severe consequences on my character, reputation, lifestyle, and ability to obtain credit for personal and housing purposes. It has significantly impacted my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Experian Information Solutions 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:
sent po report to XXXX, experian, and XXXX XXXX XXXX, XXXX and XXXX XXXX id theft victim sent everything to the major credit bureau

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 2020-01-23
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My current lender is Caliber Home Loans. I was contacted by Caliber approximately one year after my mortgage was issued to refinance at a lower rate. It was described as a " no-hassle '' refinance since I was an existing customer. I filled out the refinance application and was contacted by a representative ( XXXX XXXX ). I was prequalified in XX/XX/XXXX. I received a call from an underwriter with regard to an IRS Lien on property I used to own. I informed the underwriter that the Lien had been released and forwarded a copy of the lien release. I was then informed that the release did not cover the dates in question and that they would need to request a subornation from the IRS. This all occurred in October of 2019. I then contacted my refinance representative to get an explanation with regard to my application. This was all a surprise because any lien had not been a problem when I received my mortgage in XXXX because I was on a repayment plan with the IRS and nothing had changed. Mr. XXXX said that he would check on things and get back to me. I also left messages with Mr. XXXX 's supervisor. A few weeks later I received a notice in the mail informing me that " because I voluntarily withdrew '' my application they wanted me to answer a survey about the service I received. THIS WAS CATEGORICALLY UNTRUE. I immediately attempted to contact Mr. XXXX by telephone and e-mail and left a message requesting a response. He did not respond to my e-mail and left a message on my voicemail to call him back about the status of my refinance. That was in XX/XX/XXXX. I have called and e-mailed numerous times with no response. This week ( XX/XX/XXXX ) I sent an e-mail once again requesting an update on the status of my refinance to no avail. I believe that Caliber has engaged in unfair and deceptive trade practices with regard to my loan application and its processing and I am requesting assistance in rectifying the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Experian Information Solutions Inc.
State: NV
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 checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2021-02-26
Company: Mortgage Research Center, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Veterans United pre-approved me for a VA home loan. One of the stipulations for final approval was that I sell the house that I owned at the time of pre-approval, " Verify sale of real estate owned ''. I sold my home and went pending on a home purchase. During underwriting, Veterans United started asking questions concerning my employment, that my company is not allowed to answer, per company policy. The main issue was reported to be that my company would not provide written reassurance that I would continue to be an employee for at least the next 12 months. I spoke to my company HR to ask them to provide the required information. My HR informed me that it was against company policy to speculate how long into the future an employee would remained employed. My company verified that I was a current, full time employee. This issue was never brought up during the pre-approval process. As a result, I sold my home and now do not have a home for myself, my wife, or our children. I have also lost a significant amount of money in attempting to get the home that Veterans United issued a pre-approval for, and then denied without proper cause.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified inquires to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified inquiries. The identified inquires are not information related to any transactions by me as the consumer. 

XXXX XXXX auto XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter dated XX/XX/XXXX to a XXXX XXXX from Portfolio Recovery Associates, LLC attempting to collect on a 12 year-old ( and disputed ) {$9000.00} debt. This debt is not only well past the statute of limitations in Idaho and in Washington, it was disputed by me, in writing, to Portfolio Recovery Associates, LLC, multiple times, the most recent of which was 8 years ago. 

I am concerned about this illegal collection letter/attempt and any impact it may have on my credit bureau scores. The illegal collection letter also reads deceptively with a colored band across the upper portion of the letter titled, " Choose a savings plan that works for you. '' Finally, please note : My legal name has not been XXXX XXXX, the name to which this letter was addressed, since XXXX. This alone is a good indicator of how long I have been disputing this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received a pre approved offer for a personal loan from Oportun I went online submitted my information I was told I was approved & that this loan approval would not impact by fico score, I was asked to finalize my loan with confirmation of my identity & employment & proof of residency & bank statements I submitted this information online, Within minutes I received several responses asking for the same information over n over than to call the phone number given to me so I called then I was told that my application will be submitted for approval & that I would receive a message for funding which I was confused because I was told I was approved prior & the information I was asked to send online was to finalize the loan. Minutes later I refuse notice that my credit was checked from my XXXX XXXX app by Oportun then I received a message I was not approved? My credit score is around 690 I called Oportun for answers as to why I was told I was approved & to finish with the loan process to fund my loan the after sending my information I was told no I was not approved & my credit reports were accessed when I was told that my credit would not be this was explained verbally & on the online application process. I was also redirected several times to different numbers were I had to give my information over n over with out clarity. The entire process is a waste of time with promises of helping those with less than perfect credit or attempting to rebuild your credit, my credit is @ XXXX in good standing I only applied to add several points to my credit profile as I was told this loan would help achieve my goal of XXXX fico.

Company response to consumer: Closed with explanation