BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
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: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2014 balance : Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2023, XXXX ( Retailer ) inquired about my credit score without my consent. Also, my credit report shows a current new address that does not belong to me. I called Transunion on XX/XX/2023, and filed a complaint about 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 non-monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This will be the last time that I reach out to you all. This XXXX loan does NOT BELONG TO ME AT ALL! I NEVER OWNED THAT CAR I NEVER SIGNED A LEASE ON THAT CAR. SOMEONE USED MY INFORMATION WITHOUT MY CONSENT NOR KNOWLEDGE AND THAT IS HOW THIS MATTER OCCURED. I ALREADY EXPLAINED THAT TO YOU ALL AND AT THIS POINT YOU GUYS ARE BREAKING THE LAW! THIS IS CRAZY AND ABSURD PER 15 USC 1681 B. I WILL BE CONTACTING THE XXXX XXXX  XXXX AND MY STATES ATTORNEY GENERAL AND I WILL BE SUEING IF YOU GUYS DO NOT REMOVE THIS FROM ALL XXXX OF MY CREDIT FILES NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-06-17
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
US Bank XXXX credit card charges a {$75.00} annual fee, and the main reason i paid for this fee is because the card provides a benefit ( last night free on point stays, when booking XXXX or more nights XXXX. 

This benefit was taken away, and no refund of my fee has been offered. I 've asked and have been told that they can not refund the fee. I paid the fee based on this benefit, and want to cancel my card now as this was taken away. I want my fee returned XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion - Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score XXXX Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score XXXX- Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my 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 2018-11-20
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I made an international wire transfer from my bank account with citi bank to XXXX. two days later I was informed that the funds was returned by the bank and that I will need to do buy back and then the funds will be returned to my account in three business days. Its been a month and two weeks since then I have not received my funds. I have called Citi bank and even went into my branch and repeatedly having to explain my self to every new person I talk! they give conflecting information. at one piont I was told my fund will be returned the following day after speaking to a bank manager, but that again was two weeks ago. I dont know what is going on or what they are doing with my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-19
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I withdrew {$80.00} from an ATM which should've resulted in one overdraft fee instead they reordered the already pending transactions and hit me with FIVE overdrafts for purchases where the money was already out of the account but hadn't officially " posted. '' This is a common practice that every other bank has gotten in trouble for but this one is still doing it. This is the second time its happened to me with BBVA, the first time they refunded the fees after I filed a complaint but this time they refuse and told the CFPB it has been resolved with monetary relief. There was no monetary relief. They stole {$120.00} from me which is all I had for groceries. I'm in a horrible position thanks to BBVA COMPASS bank and their greed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-20
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2013 I had to file a Chapter XXXX Bankruptcy. My Case lasted for 42 months. At that time my Mortgage was with XXXX XXXX Mortgage. All during my Case I kept making my monthly mortgage payments right on time. Then shortly after I completed my Chapter XXXX and received my Discharge which fulfilled my Bankruptcy. All of a sudden XXXX XXXX was saying that I was behind on my Mortgage?? That whole 42 month period I never heard anything from them until after my Bankruptcy. My Attorney acknowledged that if I was behind in my Mortgage during my Case that XXXX XXXX should have asked the Bankruptcy Court to include any missing payments but they never did. Back then I was asking XXXX the exact month and year that they claim I missed a payment. They never responded to me. They eventually sold my Mortgage to SLS ( Specialized Loan Servicing ). SLS has been sending me late notices and harrassing phone calls ever since. I have also asked SLS to reveal to me what month and year I supposedly missed a Mortgage payment. They have never provided that information to me either. I need this resolved!!! 

LOAN # 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 2017-01-26
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My wife had been XXXX for the last 4 years and this has lowered our monthly income. AES has been unwilling to lower my monthly payments or place me on deferment and this has led me to be late and behind with my payments, so they sent me to collections. 
What I would like to do is pay my past due amount ( using my income taxes ) in order to be current, I 'd like them to remove me from default status ( and take me out of collections ) so that I can look into consolidating, and for them to work with me on a lower monthly payment. Currently it 's $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX loan was opened in XXXX my credit reports list the loan was acquired in XXXX. I finished XXXX XX/XX/XXXX. All XXXX agencies keep replying that the information is correct. It is Not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, my mother-in-law and I went to our bank, Chase, to deposit a check from XXXX XXXX for proceeds from sale of our mobilehome in CA. We are both Chase checking account holders, both gave clerk our ids, both signed check in tellers presence, and deposited check into my account. 10-day hold, no problem. Today, XX/XX/2023, I received a letter from Chase in my Chase app. The letter said to call fraud dept and my checking account was put on hold. I called fraud dept and they advise my mom and I too return to branch and show our ids to a manager, and have manager call Chase fraud direct to verify our identity. The manager called. He verified our identity, verified our home title was in both names, and verified our closing papers with XXXX XXXX was signed by both of us. After 30 minutes, the fraud dept said that not only were they holding the check until XX/XX/2023, but they would not lift hold on my personal funds or any direct deposits from my employer until the XXXX. They said I can put money in but no access to money already in my account or coming in. They also said, when the check clears on the XXXX, I have to personally call fraud dept and request the restriction be taken off my account. I had no issue with check hold, but I do not understand how they can hold my personal funds and pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Navy Federal denied me right to my credit after a hard inquiry was place on my credit profile which proves there was a draw on my account. This constitutes as discrimination and unauthorized use of my social security credit card. Furthermore Navy Federal has the ability to use my application as collateral and reap income according to Federal Reserve 16. This application was given as accommodation for I was denied therefore not receiving any accommodation so NAVY FEDERAL is in violation of UCC 3-419 & UCC 3-303 .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I looked at my Credit Profile recently and saw that I had duplicate accounts being reported that are damaging my score. As a Consumer I have the right to a credit report that is 100 % accurate. On my Equifax credit report, I see that XXXX has reported account XXXX  twice. I am hereby requesting that XXXX please remove one of these account as they are inaccurate and should not be on my credit report. I understand that Equifax oversees several accounts and mistakes can happen. However, I would like them to please remove this duplicate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: NY
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX 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 2022-07-15
Company: Specialized Loan Servicing Holdings LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Applied for Loan modification on XX/XX/2021. Never received any other written communication regarding the loan modification. Sometime around XX/XX/XXXX. I noticed that my account was showing that a loan modification had approved. I waited a few days and after I did not receive the modification papers in the mail, I sent a message via SLSs online messaging portal on XX/XX/XXXX. I requested information about the loan modification and I requested tracking information on the modification packet. I received no response. I sent a 2nd request on the same message portal on XX/XX/XXXX. I didnt not receive a response back until XX/XX/XXXX, when I was notified that the deadline to return the packet that I never received was that day. This is a direct violation of 1024.41 Loss mitigation procedures which requires borrowers to be notified in writing. 

I sent a Notice of Error/Qualified Written Request. Which has not been answered. The violation has not been remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, my Regions Bank card wasn't working. Nor was my wifes. ( same account ) I called the branch and was told I need to come by. Turns out that on XX/XX/XXXX, 3 fraudulent checks were written on my account that I've owned for 30 years.The first check was to XXXX XXXX XXXX. Only {$74.00}. They then had printed checks made with MY account number and a name of a woman in XXXX. XXXX MN. XXXX XXXX name was on the check with my number and she then wrote 2 checks drawn from my account on same day ( XXXX ) Each check was for {$18000.00}. I never had a call to verify anything. In fact I wasn't informed until I called a week later. I never write checks like that! 

I've filed a complaint with Regions and NOTHING has happened. I'm out my money for 3 weeks now. No apologies, no money. I have opened up a new account so I could begin moving credit card and direct payments over. Regions never actually FUNDED the account. I've made numerous calls and waited in the office an hour while banker typed. Nothing is in there yet. I can't withdraw the remaining {$40000.00} in my account as withdrawals are frozen. 
How did XXXX XXXX get my account number and then put another persons name on that account? I think someone at Regions is involved and nobody is talking ... They won't even tell me where the checks were cashed. They said " we don't know ''. I also wonder why I wasn't called when someone in a state I've never been in presents 2 large checks. I've been called for a {$200.00} check I've written to a yard service with XXXX sounding names ... but 2 checks for {$36000.00} doesn't set off a bell?? 

I'm getting nowhere from a totally unresponsive Regions. XXXX Police Dept was notified day one. Since checks were evidently cashed in Minnesota, they say it's their jurisdiction and not MPD. I've sent affidavit to XXXX. XXXX MN. Heard nothing yet. 

I need help. I'm fortunate enough to survive with a couple months of salary missing but I know most Americans aren't so lucky. They'd be looking at BK or ruined credit at best.

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