BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for XXXX XXXX XXXX XXXX-XXXX which are XXXX on XXXX, and XXXX on Transunion and XXXX but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of this bankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit 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 2021-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX by balance with Bank of America Credit Card was {$1600.00}. I paid this balance in full on XX/XX/XXXX and was not expecting to see any additional charges. Bank of America sent a new statement claiming I owed {$16.00}. On XX/XX/XXXX I contacted them via phone at XXXX and spoke with a gentleman by the name if XXXX . He would not provide me his last name. XXXX said the {$16.00} was for interest accrued since XX/XX/XXXX. I explained I my intentioned on XX/XX/XXXX was to pay the balance in full which I had done. I asked if the {$16.00} could be removed from my account and XXXX said, " No, the balance would need to be paid ''. I asked to speak with his supervisor or someone else that could help me and was told no one else was available. XXXX did take my number down and said he would have someone call me but also expressed that the balance of {$16.00} would still need to be paid. 

If I understand the Credit Card Act of XXXX, credit card companies were banned from double-cycle billing. If that is the case, then Bank of America is not honoring the new guidelines by still attempting to charge their clients interest even after a balance has been paid in full. 

Ref : Bank of America XXXX XXXX XXXX Mastercard Card - 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 monetary relief
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not want to write long messages as I did it already I just want to ask you again, remove this account from my credit report because its not mine, I already filed Identity theft report, proving that this account is not mine. However two bureaus still reporting them in my report, what else I need to do in order to get rid of wrong and misleading information in my credit report that just killings all my PLANS!! Maybe you can recommend what to do???

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 2021-01-21
Company: LOBEL FINANCIAL CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
MY WIVES CAR, THAT I FINANCED HER THROUGH LOBEL FINANCIAL WAS ILLEGALLY REPOSSED THIS MORNING, CALLED FINANCE COMPANY THEY SAY WERE PAST DUE, BUT I HAVE PROOF OF ALL PAYMENTS. THEY STILL HAVE NOT CREDITED TWO PAYMENTS THAT WERE MADE IN XX/XX/2020 AND XX/XX/2020. PLEASE HELP!! 1

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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've recently started applying to buy a home and I've noticed several incorrect things on my credit report. Please see attached details.

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 2020-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 was tryimg to close my account due to a low credit limit I was offer back in XXXX 2020 and capitol one refused to close my account because I have a open dispute with a merchant and the chargeback is in place but I wanted to cancel the dispute and have the charge rebilled back into my account I was told that I have to wait 90 days for a response which is stupid and I just want this account closed due to low credit limit and too many declines. and my credit score is good standings. close my dispute with Walmart XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CountryPlace Acceptance Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 received notice of escrow shortage of {$1000.00} this amount was paid on XX/XX/2021, 2.after receipt of this payment was told by XXXX XXXX that my new mortgage payment would be {$880.00} going forward but I would have to pay another additional {$140.00} for XXXX because amount paid in full was late they claimed and now XX/XX/XXXX paid my original mortgage payment because I did not have a correct amount to pay now apparently XXXX payment is completely lost I sent proof of payment from my credit union to them today and they are now claiming that they will want another {$140.00} for XXXX because they cant seem to get there act together every time I call which is once a week I seem to get a different story apparently XX/XX/2021 my mortgage is supposed to be {$880.00} increased from {$820.00} but I do not know this 100 % prior to this we paid our payment automatically on time every month My wife and I have good credit and we do not want incompetent mortgage company to screw that up.I would like them to own up explain everything and fix correctly XXXX and. XXXX are the two people I know of most involved and neither one returns phone calls 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 monetary relief
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

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 2020-12-10
Company: ROYAL UNITED MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for pre-approval of a mortgage in XX/XX/XXXXXXXX  with Royal United Mortgage. I provided all requested documents and discussed my employment and income during the pre-approval process, and I was pre-approved around XXXX XXXX, XXXX, though it's not clear as the point of contact at Royal United forgot to send the pre-approval and only provided upon my inquiry on XX/XX/XXXX. I went under contract on a home and had closing scheduled for XXXX XXXX, XXXX. Royal United was included in all relevant communication by my realtor and myself. On XX/XX/XXXX, one day before my closing, my realtor reached out to confirm the amount needed for down payment and closing costs. At this point, the point of contact at Royal United replied by email that the loan could not be written without my XXXX tax filing, which would be impossible at that time as XXXX had not concluded. At this point, no relevant information or employment status had changed from the information I had submitted previously. I repeatedly tried calling the point of contact at Royal United, and he did not answer his phone. I called Royal United 's phone tree and was able to reach the point of contact 's manager who told me he would investigate. I called the manager back after about an hour, and he told me that this should not have been pre-approved and I should not have found out about a problem with the loan the day before closing. I asked him if there was a way issue the loan, and he insisted I would need to submit a XXXX tax return before they could issue the loan. As a result of Royal United 's negligence, I asked him to have Royal United reimburse me the due diligence fee, earnest money, appraisal fee, and home inspection fee totaling approximately {$3000.00}, and he told me that I could just get the due diligence money and earnest money back, which I absolutely can not based on my contract. He also told me they would issue the loan once I submit my XXXX taxes, which is not valuable as the sellers were not willing to wait until XXXX to close the sale. I would like to be reimbursed for the approximately {$3000.00} I have lost due to Royal United 's negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: IA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX  XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After Before Close XXXX XXXX XXXX XXXX Account Name XXXX Account Number Charge Card Account Type Individual Responsibility XX/XX/XXXX Date Opened Open. 
Status Updated XX/XX/XXXXXXXX XXXX XXXX Monthly Payment {$20000.00} Credit Limit {$780.00} Highest Balance NA Terms {$0.00} Balance Updated XX/XX/XXXX {$41.00} Recent Payment Amount

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 2021-02-24
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
Theres an inquiry on my consumer report from a company I do not recognize. I dont have an account with them under collection nor for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
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:
I sent out validation letters and disputed two collections on my credit report in XXXX. The TWO collections are with a company called XXXX XXXX XXXX. I received a copy of a lease from the company. At the top of the lease the names are XXXX XXXX and XXXX XXXX. No where on the lease is my name. I contacted the company and they said it was an error but the debt was intended for me. I'm sorry, but that's not VALIDATION. I requested the company delete and they said no. I informed transunion and they have yet to delete these from my credit report dispute the collections agencies lack of validation proof. I'm attching the lease to this complaint as proof that it is not mine.

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 2021-01-26
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We sold our home and paid off our mortgage to Dovenmuehle on XX/XX/2020. We have about {$16000.00} in an escrow account with Dovenmuehle that we have been unable to collect. We have tried numerous times, at least a dozen, to call and request a check be sent, and have been told on a few occasions that one had been sent, or would be sent in the next few days, but we have never seen a check, and they have never provided any evidence that one has gone out. They keep us on hold for long periods of time, disconnect our calls, and give us different information about then status of our funds on different calls. In a few days it will have been 4 months since we paid off our loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Received Barclay 's XXXX XXXX XXXX co-brand Mastercard and Barclays only provided 2 options to activate the card either through website or mobile app. I am an XXXX XXXX XXXX citizen who is not digitally enabled and could not activate the card. The telephone customer service number was not accepting any phone calls and hanging up once pre-recorded message was offered. The company assessed an annual {$99.00} fee without the card being activated or without me being able to use or activate the card. I was finally able to activate the card in the middle of XXXX with the help of my grand daughter. The site to activate the card also did not work to verify the credentials. After weeks of calling we finally were able to get someone to assist us. This is not only a horrible customer experience, but their mechanism to service older customers who are not digitally enabled leaves us behind.

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 2020-10-15
Company: CBC Companies, 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:
i sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Creditor Listed Below AR RESOURCES INC Original creditor : XXXX XXXX Account # XXXX {$670.00} I have asked this AR Resources to validate this debt and they have failed to do so. I have never seen or heard of this account and then it just shows up on my credit report. I have already disputed it with XXXX  and they deleted it from my report. I have disputed with XXXX  to remove the account and they have not nor Has the creditor. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.

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 2021-02-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I responded to an email offer I got from Chase Bank to open a new checking account and receive a {$200.00} bonus if I setup a direct deposit of my paycheck, pension or government benefit. The bonus was to be deposited in the account within 10 days of my setting up the direct deposit. I setup the direct deposit of my pension check from XXXX XXXX XXXX and the first deposit was made on XX/XX/2021. When I had not received the bonus, I called Chase Bank Customer Service on XX/XX/XXXX and asked about it. First I was told I hadnt entered the proper coupon code when I setup the account. I explained to them that I setup the account using the link in the email solicitation that I had received from them and that the coupon code was automatically entered. Then, I was told I hadnt set up the required direct deposit. I told them that I had and was then told a private company pension, such as XXXX XXXX didnt qualify and that it had to be a government pension. I then quoted them the text from the solicitation email that said pension not government pension. I was then told that they were not able to help me and they asked me where I had opened the account. I explained to them that I am currently in XXXX and that I opened the account using my address from a forwarding company in XXXX, Texas that forwards mail to me in XXXX via a currier. Then they said I should make an in person visit to the office in XXXX and maybe they could help me. I think they are just trying to avoid paying the bonus that the offer of the {$200.00} bonus was fraudulent. I will be attaching documentation from Chase Bank that shows the deposit was made and from XXXX ( the company that handles the retirement for XXXX XXXX ) that show that a direct deposit of the retirement check to my Chase account was setup and is in place. I am asking you to direct Chase Bank to live up to the terms of their offer and pay me the {$200.00} bonus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
An unauthorized purchase was made using my Pentagon Federal Credit ( PenFed ) Visa credit card with a post date of XX/XX/XXXX for {$820.00}. The merchant was XXXX XXXX in XXXX XXXX, CA. 

I reported the unauthorized transaction to PenFed on the same day. 

PenFed issued a security adjustment for the same amount two days later ( XX/XX/XXXX ) while they investigated. 

On XX/XX/XXXX, I noticed a reversal on my credit card statement. PenFed determined that I was responsible for this transaction. My wife and I have nothing to do with this transaction and have no idea who could have done it, so we have no responsibility. 

I made multiple calls to PenFed to no avail. My wife and I still had the physical cards in our possession. The transaction, I was told, was an in-person transaction. My wife and I live in XXXX XXXX and have not set foot in XXXX for 3 years. 

Please advise.

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 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
transunions report to the other two credit company saying there a police report saying my address is fraud which i never had done. 

i upload documents of my passport, my rental ledger which shows my address and how much rent owe and my credit card statement which shows my address.

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