BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
I have recently closed on a mortgage and received a copy of my credit report. There is an unauthorized inquiry listed on XX/XX/2021 from XXXX that I did not pursue. Please remove inquiry.

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 2021-12-06
Company: First Technology Federal Credit Union
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: Account information incorrect

Complaint:
First Tech Credit Union was paid off on last month and account was closed but they are reporting an open account with a {$5000.00} balance.

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 2022-10-04
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX I made a payment at the store in XXXX California of XXXX, on the XXXX, then on XX/XX/XXXX I received an email stating I owed XXXX, I then called customer service, then said they were sorry for the mistake, after I said I made my XXXX dollar payment that I always make even though my payment was only XXXX, then in XXXX I went on line to pay my bill to verify, and it still said XXXX, I then called again, and they said not to worry it's an error the additional charges were removed, so I paid them the normal XXXX, now in XXXX they say I owe XXXX because of late fees and because my payment changed to XXXX in XXXX which I was never told about, even when I made my XXXX dollar payment in the store, I was not told again that my payment had changed neither on the web or at the store or by mail

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-05
Company: CCS Financial Services, Inc.
State: MO
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 a XXXX account number XXXX. This was paid in full by my self and my insurance copy and lapcorp settle this account closed they agreed to have this account completed removed from my credit. Report immediately all three that was 4 months ago. They have sent out letters to the credit collection. Company several times .. the copy keep responding they never received the letter,,, lapcorp can not send me the letter directly because it is an internal request,, .. XXXX contacted this company several times and they are refusing to remove this account completely from. My credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a Citizens Bank checking and savings account for about two years. After a period of low usage, I submitted a request to the Bank to close the account. I thought the Bank have closed my account and stopped all Bank activities. 
It turns out the Bank only close my savings not my checking account. Customer service claimed they could not close out my account because I have positive account balance of {$8.00}. I don't understand why they could not close the account and issue an {$8.00} refund check like a reputable and trustworthy financial institution. 

In late XX/XX/XXXX, I was notified that my account has a negative {$7.00} balance due to inactivity fees from XX/XX/XXXX to XX/XX/XXXX. I emailed customer service but they refuse to do anything until the bank has a positive bank account balance. The Bank has implemented difficult and unnecessary process for consumers to close a bank account and as a result I was charged {$39.00} in fees. I have to follow via secure message, wait for a response and called the Bank twice but still get no resolution. The account should have been closed back in XX/XX/XXXX if the Bank was consumer friendly. Instead, as a result of my closure request, I am out {$39.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my 3rd attempt to have this collection account removed. Attempts online and by mail with Experian have been unsuccessful for some reason. The collections company has already requested the deletion and sent proof in writing that they have done this.

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 2018-09-14
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The collection agrncy called me and i offered to pay the debt in full. I Provided them with my bank account info to make the payment and asked if after i spoke with the original creditor if it was determined that there was a mistake if i would get a refund if the payment. The agent asked me why i would pay a bill i didnt owe and i informed her i was in the process of buyi g a house and coukd bot have a negative account reported on my credit report. She immediately put me on hold transferring me yo her supervisor of who i asked the questionagain and then told him that i was willing yo pay the accoubt in full with thr i go they had on file. He asked if i had a credit card and i stated no he yold me ifni wanted to get the new house i wanted i better get a credir card because he would not take the form of payment i was offering and hung up. The account is got a insurance policy i cancelled on XX/XX/XXXX. There was no attempt by the original credit grantor to collect payment and they sent the ccount to collections less than 30 days after the policy was cancelled and the collection agency contacted me in XXXX and had reported the account on my credit report by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 and XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten 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 non-monetary relief
Consumer complaint received 2021-12-06
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/2021 I contacted Freedom Mortgage to inform them I had received correspondence from my insurance provider ( XXXX XXXX ). Freedom Mortgage had not been listed as a new mortgage holder and steps were taken on my end to update XXXX while Freedom Mortgage sent the annual insurance premium via mail, due date of XXXX XX/XX/2021. On XXXX XXXX I contacted Freedom Mortgage again to determine the status of the insurance payment and was told that it had been sent via standard mail with an anticipated delivery date of 7-10 days from its mail date, XXXX XXXX. I was assured by members of Freedom Mortgage that the payment would arrive with a postmark that would be acceptable to XXXX. 

As of XXXX XX/XX/2021, the payment was never received by XXXX. The tracking number that was reportedly on the payment was not available to the representatives that I spoke with on XXXX XXXX. I've now lost my homeowner 's insurance policy due to the lapse despite multiple assurances from Freedom Mortgage, despite all assurances that everything would be taken care of. This is happening after Freedom assumed the loan from a prior mortgage serving company and we have only just made our second payment. To say that I am frustrated and disappointed is a complete understatement. A friend had similar issues with this company and warned us. I don't know what can be done at this point ; but I felt the need to report this as others like myself could find they are without homeowner 's insurance - not even knowing until it is too late.

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 2018-01-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint against XXXX XXXX XXXX XXXX - XX/XX/XXXX I was approved for a Wells Fargo Prime Equity line of credit, amount {$73000.00}, in XX/XX/XXXX. I only withdrew {$45000.00} of total amount. In about XX/XX/XXXX account was restricted to about {$45000.00}, without notification. 
COMPLAINT - Account never should have been restricted, due to the fact that I am a longstanding customer with top credit rating. I want restriction lifted without any conditions. Also has Wells Fargo Bank used restricted amount to create any false accounts? Reason for restriction may be due to mass bank failures, not my fault. 

Thank you for your attention with regard to this matter.

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 2018-01-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage setup with Wells fargo. On XX/XX/XXXX my mortgage was paid for the month. Then on XX/XX/XXXX Wells Fargo drafted another mortgage payment from my account without my authorization. I called Wells Fargo on XX/XX/XXXX when I found out that they drafted from my account without my authorization. They started off by laughing at me and telling me to get a lawyer so I called my bank ( XXXX ) and reported it as fraud. I was told that my money would be put back into my account the next day and it was but today XX/XX/XXXX Wells Fargo drafted from my account again without my authorization and even after I reported it as fraud to my bank. Because if this I have around .300.00 in overdraft fees and now also missed payments for my electric bill, propane bill and my wifes car payment. What can I do about this fraudulent activity taking place from Wells Fargo and 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 2021-12-06
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 and XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: MoneyLion Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone has stolen my identity and my bank account information. They have used this stolen information to open an account at MoneyLion ( XXXX XXXX XXXX ) and take a loan out in my name. I have called XXXX three times reporting the fraud that has occured, get them to halt the {$500.00} bi-weekly withdrawals from my XXXX account, and to get basic information about what the fraudster has done there ( how much of a loan did they take out, what addresses are they using, stop taking money out of my account, etc. ) to no avail. The MoneyLion agent on the first call ( XX/XX/2019 ) said they would send my information to their fraud department and I should hear back within 48 hours. Didn't hear anything. XXXX XXXX another {$500.00} was drafted from my account by Moneylion. I called back. I explained again what was going on to the agent. They put me on hold, then disconnected my call. I called again. Same thing. I explained the whole thing again, magically my call was disconnected. The third call I spoke with another agent. I asked to speak with management. This agent, said that there is no management to speak with. He said that he saw in my notes that I placed a call on XX/XX/XXXX about the fraud. He then said that the XXXX department put my request on hold because I had not filled out the fraud affidavit MoneyLion sent me yet. I then told the agent that I had not received an affidavit because they probably sent it to the fraudster since the person I spoke with on XX/XX/XXXX didn't ask for my address or email. The agent today ( XX/XX/XXXX ) then took my information down - home address and email- then he said he would fill out the form for me in order to escalate this so I could get some help. At this time I still have not received a phone call, email, anything from Moneylion and they have successfully taken {$1000.00} from my account. All this while they refuse to give me any details about what the fraudster has done with my information at Moneylion ( did they take a loan out, open a bank account, what??? ). Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare took over my mortgage I had with XXXX back in XXXX of this year. I have made three payments to them, but only one shows a credit to my account. They claim that I did not pay the last two months payments. I checked with my bank ( XXXX XXXX XXXX XXXX ) and they verified all three of my payments to them were processed and received by Loancare. I called, emailed and messaged them, but they did nothing. Presently, they will not respond at all. My payments are in the amount of {$1200.00}. I have attached the most recent notice from Loancare that I received in my mail. Also attached is a report of the history of my payments to this mortgage account. From their actions with me and what I found in internet searches, they are trying to take my home ... ... Please help! 

Thanks XXXX 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 explanation
Consumer complaint received 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This a fraudulent account appearing on my transition report. I tried reaching out to the contact info listed on my credit report but the reporting contact information is incorrect. the Transition agent confirmed the contact information was incorrect. 

XXXX XXXX XXXX is a fraudulent account and must be removed from my credit report right away.

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 2018-01-18
Company: Clear Debt Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receiving automated phone calls from ( XXXX ) XXXX and other numbers. Leaves a message but does not identify this as a debt collector. They also are imposing artificial deadlines by saying " we must hear back from you today '' or " this is a time sensitive matter ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
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:
On XX/XX/XXXX I filed a dispute with Equifax in regards to two tax liens that are on my credit file. On XX/XX/XXXXunder confirmation # XXXX reported that they had verified the information and used XXXX to validate this information. Equifax purposefully does not properly validate the information. 

They claimed to use a third party XXXX to verify information but have also failed to even do this. Even though using a third party to verify any information is not allowed under the Fair Credit Reporting act. What is truly very bothersome is the fact that XXXX themselves have vacated reporting this improper tax lien/public record information. As evidence, I am including the proof that XXXX has removed this invalid information from their records. The letter I received from XXXX was from XX/XX/XXXX. This clearly shows that XXXX had purged the tax lien/public information from their records. So that Equifax could obviously not have correctly validated this information with XXXX after my dispute of XX/XX/XXXX. 

I have also contacted both the County Courthouse clerk and IRS. None of these enitities or government officials have provided Equifax with any information and they have assured me that Equifax has also not made any attempts to verify this information at either the county and further, the IRS do not supply information to credit reporting agencies themselves. So Equifax is in full violation of the Fair Credit Reporting Act. 

So in other words Equifax continues to report incorrect information on my credit file and continues to not properly investigate and validate information. 

Further, after XX/XX/XXXX, the credit bureaus will exclude all public tax lien and civil judgment data that do not conform to new reporting standards from consumers ' credit reports. According to the ... Additionally, the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days. Equifax has and continues to violate the FCRA and federal government demands to clean up their act but they continue to damage myself and people of this country. 

I demand that this non-validated information be removed from my credit file immediately. 

Equifax has made not attempts to Validate this information and the source of the verification that they are attempting to use is a third party ( XXXX ) and even XXXX does not have this information in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
That company equifax never delete this account of my credit report after 1 year of dispute. 

The collection company maked a credit violation on X/XX/2017. 

The case number was Case # Debt Collector Original Creditor Balance Violation Type Open Date Status XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX Letter XX/XX/17

Company response to consumer: Closed with explanation