BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
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:
I called 3 credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that this account will be corrected. XXXX XXXX  XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My account was fraudulently withdrawn from over 5 times for a transaction amount of XXXX $ each time. The bank canceled out my card because of this activity, and even told me I was experiencing fraud on my account. Yet, now my account is XXXX in the negative, worse situation than I would've been in if I wouldn't have ever called to let them know the suspicious activity that was going on on my account. This is not fair to me or my family at a time like this. Bank of America 's representatives even tried to accuse me of the fraudulent activity. My account has been tampered with ever since the pandemic. This is really not fair to me. And I will be hiring a lawyer to subpoena the owner of that ATM, because I need to get to the bottom of this and be REIMBURSED for the changes I have been taken through! I should not have to suffer from the bad end of this, when none of this is my doing or my fault.

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 2021-07-06
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/2019 for last 2 years, I have been trying to modify this loan. Each time, I sent documents for modification, they will come up with something else. Either Signature is missing or sent the lease, got back to me after weeks that the lease needed to be dated under the signature panel even though the lease has been properly dated. Meanwhile the automated system is keep saying, my application is pending review and no further documentations are needed, which is purely misleading as I found. Because of that, I have lost few more months just by thinking my modification is just going fine. The 2nd issue with this company, they are keep telling me to submit the lease for the property that I am trying to modify. I have told them 5 times to different rep that I this is the primary residence and there is no lease on it but I had to explain them in 5 times which cost me another 2 months. 
At this moment, I am reaching out to this department because I strongly feel that this bank is intonationally doing this NOT TO GIVE ME THE MODIFICATION AND TO TAKE MY HOUSE SO THAT, THEY CAN SELL THIS ON AUCTION WAY MORE THAN THE MONEY I OWE TO THEM. I therefore am asking this department to step up and to help me to keep my home. Thank you!

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 2021-07-06
Company: WELLS FARGO & COMPANY
State: NV
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/2021, I had paid The XXXX XXXX {$360.00} for a hotel room in which Wells Fargo had placed a hold on my account and I had it cleared and saw the amount taken out of my bank account with no issues. to fast forward to today, XX/XX/2021, I saw that they had taken another {$160.00} from my bank account, causing my account to fall to XXXX when I called their banking center, their representative gave me an excuse that it wasn't their fault that it took over 7 days to process when the money was taken out of my account and refused to further assist me. now I'm in a deeper hole as they will charge multiple overdraft fees, bringing down my account further. I have turned to the CFPB for help because I know that Wells Fargo will not help me any further and I have lost all faith in them

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 2022-01-06
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my Equifax credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/XXXX XXXX I sent 3 dispute letters 1 to XXXX in XXXX GA 1 to XXXX XXXX TX and 1 XXXX XXXX and XXXX PA Over 30 days ago without a response. 
Violating the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: CO
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  ; Experian and XXXX  are reporting the XXXX XXXX partial account number XXXX in error. ( Please see page attached from my credit report. ) I have fought this with the bureaus and they can not continue to report. These accounts are over ( 7 ) years old and continuing to report this is a violation of the Fair Credit Reporting Act. I request that these line items be removed from my credit report. I have continually contacted the bureaus to remove these however, I have not been successful.

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 2020-07-07
Company: CITIBANK, N.A.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, while on the trip to XXXX, the country was about to close its border due to the quarantine. Our return flights ere cancelled and i had to purchase another tickets from XXXX XXXX through the travel agency XXXX. 
I never received confirmation email from XXXX. Only two hours later, i received cancellation email from XXXX. I was then forced to buy another tickets from another company. 

But on XX/XX/XXXX i saw the 2x {$370.00} from XXXX on my Citi Card. XXXX was able to find my booking number, but told me to contact the XXXX to received either credit or refund. 
I called XXXX and they said they can not find any information about my purchase and there is nothing i can do. 

I then contacted Citi Cars to assist me to get refund, because i paid for services i never received. 
Citi Cards never asked me to provide any evidence and two weeks later sided with the merchant. 
My further attempt to contact the Citicard were fruitless, the number i was told to call by customer services is automated system that keeps kicking me out.

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 2021-02-23
Company: Experian Information Solutions Inc.
State: MI
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:
I had a loan with XXXX XXXX for a XXXX XXXX XXXX I had financed. I traded in that vehicle with XXXX XXXX XXXX in XX/XX/XXXX. I have confirmed with receipts that the dealer paid off this loan in full and received title to the XXXX. XXXX XXXX never marked my loan as paid. This last spring they began reporting it to the credit bureaus as late and I now have multiple 180+ lates on my credit that are inaccurate, as I have not had this vehicle since XXXX and it was paid in full by the dealer. I have contacted XXXX XXXX multiple times and they ignore my requests for information. After a complaint to the XXXX they marked it as paid and sent me a title release. They also sent me an original copy of hte loan with a paid stamp on it where they crossed off XXXX as the paid date and put XX/XX/XXXX. This loan was fully satisfied in XXXX and the lates on my credit report are inaccurate and preventing me from refinancing my mortgage. I want these inccorrect lates removed from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Huntington National Bank is my late Grandfather 's Trustee. Upon his death Huntington sold off his stocks and other interests in placed them in a Money Market account earning a meager .25 % while charging a fee of a full 1 % robbing the estate of .75 % annually. 

We vigorously objected to this and do not feel Huntington is acting with the Fiduciary Standards required by an XXXX XXXX XXXX  XXXX banking institution. We sent them examples of 30 CD 's earning 1.04 % and other higher yielding and safe investments. 

Currently the 10 year interest rate is over 1.5 % but as you can see in the attached documents, Huntington is collecting over {$7400.00} in fee 's while the estate is earning an embarrassing {$250.00}. This inaction by Huntington means they have stolen tens of thousands of dollars in principle unnecessarily and is a failure of their Fiduciary Responsibility and has been in place for now over three years with no end in site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX I deposited two insurance checks into a Money Market Savings account in XXXX   XXXX. Money began to be removed from the account other than me requesting the removal. A year later in XX/XX/XXXX the account was empty. I have used lawyers, and other legal agencies and each time the avenues I used would look into my case and they were told the case was closed when in fact I never was told anything or even sat down with any bank official with my bank papers and explained the numbers. Not one bank official called me to ask if I considered my case to be closed. 
It appears a bank manager at XXXX XXXX / Chase bank in XXXX, Ohio took it upon himself to say without investigating my story that my case was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I called Mr Cooper regarding 2 past due payments in which I requested a repayment plan. My repayment plan was developed and approved then told as long as I made the payment by the end of the month I would be ok. My repayment payments are XXXX from XXXX - XX/XX/XXXX and XXXX payment was successful. On XX/XX/XXXX, I made my payment of {$670.00} and cleared my bank on XX/XX/XXXX. Due XXXX XXXX deceptive practices, I monitor the mortgage account 3-4 times a month. OnXXXX, I reviewed the mortgage account only to find they made reversal starting XX/XX/XXXX. In addition, approved in XX/XX/XXXX was canceled without any notification from them. My XX/XX/XXXX payment was reverse and Mr. Cooper where they told me several reasons that did not make sense. Then it reflected there is a payment due XX/XX/XXXX in the amount of {$710.00}, a reversal for {$670.00} and {$530.00} ( did not process a payment for XXXX ) Mr. Cooper states they do not know why payments were reverse because there werent any notes. Ive gotten 3 different answers none of which makes no sense. The tactics that being used to affect my mortgage payments, to foreclose and stress me into selling my home to cease and desist. I would like to stop receiving calls from XXXX XXXX to sell my home. I have been in my home over 45 years and would like stay in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX XXXX  should not be reporting to XXXX  ; Experian and XXXX  that I am ( XXXX ) days late on the XXXX  XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is on auto-pay and therefore there has never been a missed payment. I have attached a copy my account payment history for reference. This false reporting of lates is seriously harming my credit score and these line items need to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to fix this however, I have not been successful.

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 2021-02-23
Company: EQUIFAX, INC.
State: MI
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:
I had a loan with XXXX XXXX for a XXXX XXXX XXXX I had financed. I traded in that vehicle with XXXX XXXX XXXX in XX/XX/XXXX. I have confirmed with receipts that the dealer paid off this loan in full and received title to the XXXX. XXXX XXXX never marked my loan as paid. This last spring they began reporting it to the credit bureaus as late and I now have multiple 180+ lates on my credit that are inaccurate, as I have not had this vehicle since XXXX and it was paid in full by the dealer. I have contacted XXXX XXXX multiple times and they ignore my requests for information. After a complaint to the XXXX they marked it as paid and sent me a title release. They also sent me an original copy of hte loan with a paid stamp on it where they crossed off XXXX as the paid date and put XX/XX/XXXX. This loan was fully satisfied in XXXX and the lates on my credit report are inaccurate and preventing me from refinancing my mortgage. I want these inccorrect lates removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I had a loan with XXXX XXXX for a XXXX XXXX XXXX I had financed. I traded in that vehicle with XXXX XXXX XXXX in XX/XX/XXXX. I have confirmed with receipts that the dealer paid off this loan in full and received title to the van. XXXX XXXX never marked my loan as paid. This last spring they began reporting it to the credit bureaus as late and I now have multiple 180+ lates on my credit that are inaccurate, as I have not had this vehicle since XXXX and it was paid in full by the dealer. I have contacted XXXX XXXX multiple times and they ignore my requests for information. After a complaint to the XXXX they marked it as paid and sent me a title release. They also sent me an original copy of hte loan with a paid stamp on it where they crossed off XXXX as the paid date and put XX/XX/XXXX. This loan was fully satisfied in XXXX and the lates on my credit report are inaccurate and preventing me from refinancing my mortgage. I want these inccorrect lates removed from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: NC
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:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello there are several unauthorized credit inquiries on my account that I have yet to have verified to be authorized by myself. Many of which are not attached to accounts. 

I am not sure if this was due to data merges as a result of the data breaches or something else. In applying for an auto loan, I only wanted one bank to be reached not several. Also with any bank 's the same applies. Everything else is there with no confirmation of it being mine which Is a problem for me. Please ask bureaus why they consistently seem to break the law when I have yet to see even a contract. 

Per New Credit Act of 2020 section 401 derogatory items need to have agreements or contracts authorized by myself which none of these have. The bureaus refuse to comply with the law. 

Thank You

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 2021-02-02
Company: ERC
State: PA
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 XX/XX/2020, ENHANCED RECOVERY CO L add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY CO L has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: OneMain Finance Corporation
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:
It Stared with an oldXX/XX/XXXXCell Phone I used to owned with XXXXXX/XX/XXXX. I was doing my own investigation who has the phone on XXXX Search XXXX. The phone was located Somewhere in XXXX, NY and also at a near by ONE MAIN FINANCIAL XXXXXX/XX/XXXX XXXX XXXX. XXXX NY where the crime took place in XXXX. The suspect are not making any payments of the Funds {$900.00} dollars. The suspect or suspects are still using the same phone number. My photo picture is still at use as a wallpaper when making a phone calls and the name XXXX still appearing.They are not making payments back. They hold Monthly payments of XXXX, XXXX and XX/XX/XXXX, XXXX XXXX XXXX. XXXXXX/XX/XXXX Credit Score Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
This account is being reported incorrectly, there were never any late payments on this accounts. 



XXXXXXXX XXXX XXXX  ( Reported Late : XX/XX/2022 )

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