BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
When signing documents for the Line of Credit with BoA, we pointed out that the documents read variable interest rate when we were promised a fixed rate. We were told by the loan officer that the rates would be fixed at the time of withdrawal. I made of note of this on the documents before we signed and stated I was very uncomfortable that this process was not clear in the note. 

My husband was responsible for managing the loan and repayment. When I happened to open a statement in XX/XX/2023, I noticed that the rate was NOT fixed and called BoA. 

On XX/XX/XXXX at XXXX est, my husband and I spoke with XXXX. We opened case ID # XXXX. We were told a case manager would be assigned and we would have resolution within 30 days, and that the case manager would reach out for more information. No one reached out or contacted us. 

Today, XX/XX/XXXX, my husband and I contacted BoA again. We spoke with XXXX. He told us he reviewed the files and there was nothing he could do but offered options to fix our loan now. XXXX did state that he would enter another complaint for BoA to review but it does not appear they will do anything. 

I feel that this was a predatory lending situation where I was deceived through unfair and deceptive practice at the BoA branch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: State Collection Service, 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: Investigation took more than 30 days

Complaint:
State collection services from XXXX Wisconsin took longer than 30 days after I disputed a medical debt. I was on state aid and the hospital never applied the state aid because I was laid off. I have the dates of this taking longer than 30 days when I disputed it and it is approaching the statue of limitations to be off my credit report. I have suffered long enough with XXXX from what happened and this triggers it constantly. Its debilitating knowing that the hospital was negligent not applying financial aid and I am not able to get get a car or home to live it's sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-03-02
Company: Experian Information Solutions Inc.
State: VA
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:
On XXXX I disputed this account which was originally reported by XXXX XXXX XXXX XXXX account number XXXX for a debt they are claiming I owe XXXX XXXX and reported it to my XXXX Credit Report. 
XXXX looked into the investigation and informed me that they removed this account on XXXX account XXXX and amount of {$320.00} and had it deleted from my credit report. 

XXXX XXXX XXXX XXXX illegally added this back to my credit report back on XXXX so I then disputed it again by writing XXXX on XXXX claiming I owe XXXX XXXX under my Social Security number. 

After their investigation, they wrote to me on XXXX to inform me that this was deleted from my report. 

Now the company XXXX XXXX account number XXXX trying to illegally add the same creditor under a new name XXXX XXXX XXXX back to my credit report under a new account number but same amount of {$320.00} At this point when you review the evidence, you'll see that the account numbers do not match for the original accounts nor does the name match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Furthermore, if you look at my report with XXXX versus my report with Experian, they are being reported under two totally separate companies with different addresses. 
Moreover, now I have discovered that the items have been reinserted on my credit report under a fraudulent account number and name. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly. 

XXXX XXXX XXXX XXXX, VA XXXX Cc : Attorney General 's Office Cc 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 2021-07-14
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:
Due to pursuant US Code 1681c 2 ( a ) consumer reporting agency shall block the reporting of any information in the file of consumer that indentify theft, no later than 4 business days!

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 2022-08-08
Company: Experian Information Solutions Inc.
State: SC
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 is the several times I've complained about being a victim of identity theft. You must remove any accounts that was 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 Balance : {$6800.00} XXXX XXXXXXXX Balance : {$90.00} XXXX  XXXX Balance : {$31.00} XXXX XXXX XXXXXXXX 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 2023-03-07
Company: EQUIFAX, INC.
State: WI
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:
I have an account with Equifax.com to monitor my credit report and score. Since XX/XX/2023 I am not able to see anything on my account with equifax.com. I can not see any of my credit accounts and I can't see my credit score even thou I am paying for a Equifax membership. I have called multiple times on XXXX and XXXX to have them fix this problem and they always tell me the will " escalate '' the issue. Yet, they do nothing about it. They were supposed to mail me a full credit report but I did not receive a full credit report only a score. The score that they mail me was different score than the score they reported to my mortgage lender who requested my information on XX/XX/2023. To my lender, they reported a different score than the score they mailed to me on the very same day. They are reporting the wrong information to my mortgage lender. When I try to access my account on equifax.com I am not able to see anything nor my score. Basically, they are not letting me have access to my credit report or score and they are reporting the wrong information and two different scores on the same day. This is affecting me in my ability to secure a loan and is costing me to have financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

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 2021-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2021 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 yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30days gives me reason to immediately remove those from my credit report it has been 60days so they should be deleted promptly. I demand these accounts be immediately deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: CL Holdings LLC
State: FL
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:
An auto repossession on my credit was established in XXXX of XXXX but is incorrectly being reported as it opened in XXXX. After XXXX  years should have fallen off of my credit in Florida based on the statute of limitation but it is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am currently in the process of refinancing my current mortgage. My loan officer asked for 12 months of payment records from my current lender. I reached out to SLS ( loan # XXXX ) and began to go through the process of requesting a verification of mortgage and payment history. I was shocked to discover that my payment history was missing a XXXX payment. I contacted SLS to discuss my concern and request that the payment history be corrected to reflect the payments I have made. During each of the 10 conversations that I had with customer service technicians, I made them aware that two payments were lost during XXXX and XXXX or XXXX and that I provided SLS with copies of cashiers checks, stamped received by SLS, proving that payments were made. SLS reversed all late fees and contacted credit reporting companies, but failed to accurately report the missing payments Each one of the customer service representatives indicated that they had access to information confirming that I made payments during the months of XXXX through XXXX and that I had no late payments from XX/XX/XXXX to present. Unfortunately, the customer service representatives were unable to find a report containing the accurate information that I needed to continue my refinance. 
I asked for a letter listing my payment dates and explaining that I did not have any late payments, to no aviail. I now find myself in a position where I can not proceed with the refinance process, until this my payment record is corrected. I am currently losing money, as I have paid for an appraisal and other fees connected to this loan. I am hoping that you can help encourage SLS to correct my payment history.

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 2023-10-12
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 checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-14
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:
Hello, These unknown items are not related to me. I have never ever signed any papers with these companies, or did something towards these accounts. Simply I do not know these accounts because they are not mine. Its a pure fraud. I am begging you to check my profile and these accounts and probably remove them as I am in a terrible life situation and I will not handle something like this anymore.

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 2023-08-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Capio Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit file on XX/XX/23 I identified a discrepancy with account listed under ASSETCARE and validation was requested as this was ab account that I did not recognize. I reviewed my credit report again XX/XX/23 and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have my auto loan with Wells Fargo and I only have 3 payments remaining but because of the account fraud and auto insurance fraud and merchant services fraud, Wells Fargo has put me out of business taking away my ability to earn a living and generate revenue for my business. And of course I am still in an investigation that has been going on for 12 + months because Wells Fargo refuses to answer all of the questions - I recently filed additional complaints that should have been answered back in XXXX or XXXX but Wells Fargo ignored some of the questions. 

In addition, I have filed a previous complaint and I finally received my refund 3 years later and then the check bounces and no apology - they reissued the check an still no apology. My credit report is still damaged. 

On Friday XX/XX/2020 I spoke with Wells Fargo Dealer Services and was told my account was charged off with no consideration for the multiple Wells Fargo frauds. And I was told by Dealer Services that they don't have anything to do with the other Wells Fargo businesses with the ongoing investigation. So they basically did not care about what happened to or how I had money stolen from my account and more importantly the collateral damage from the frauds. 

Also in complaint # XXXX filed on XX/XX/2020, Wells Fargo denied me the opportunity for working capital by ignoring my multiple communication attempts regarding lenders/investors who wanted to provide working capital and they gave the poor excuse that I did not sign a borrowers consent form - it took Wells Fargo 7 + months to craft this poor excuse. This was an opportunity to get working capital and put my business back on track. 

So now my credit is much worse thanks to Wells Fargo.

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 2020-03-02
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made an {$1100.00} payment to Suntrust credit card at : SUNTRUST CONSUMER LOANS XXXX XXXX XXXX XXXX MD XXXX The payment was authorized on XX/XX/2020, and the money left my account on XX/XX/XXXX. It was delivered via ACH. As of XX/XX/XXXX Suntrust has not posted my account with the payment. I suspect that they hold large payments for a longer time to gain some overnight interest. 

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 explanation
Consumer complaint received 2021-02-27
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On Friday XX/XX/2021 I made the minimum {$20.00} payment due for : XX/XX/2021 at Discover. I used XXXX bill payment next day service that I have used periodically for years with no problem. Discover maliciously Stolen my {$20.00} payment because they have hatred of XXXX Consumers ( as stated by Discover customer service ). I called prior to confirm this payment was on the way but Discover choose not to do business with XXXX where a business can see and monitor " Incoming Payments ''. Discover took back my {$20.00} payment in the form of a Fraudulent {$20.00} Late fee which is total Theft. When I call to have the fees reversed I get a hate speech condescending lecture about using XXXX bill pay by Nasty Discover customer service reps. Disrespectful arguments that have nothing to do with the issue, Discover is hateful of XXXX because they make money in fees from these form of bill payments. Money Discover doesn't get ( and they know it ) so they decide to Abuse and Steal from there customers as reprisal which are unfair business practices. 
I will file a Police Report to this as well. Enough is enough.

Company response to consumer: Closed with monetary relief