BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-05
Company: GREAT LAKES
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
STUDENT LOANS SERVICERS IGNORE PHONE CALLS, EMAILS AND ATTEMPTS TO REPAY THE LOAN EXCEPT IN FULL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
T

o : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX INSTALLMENT Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : EXPERIAN XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There are 2 Georgia State Tax Liens on my credit report for XXXX and TransUnion and they are incorrect. 1. Reported XX/XX/XXXX Georgia State Tax Lien in the amount of {$2500.00} and 2. Reported XX/XX/XXXX Georgia State Tax Lien in the amount of {$5600.00}. As displayed on the most current Georgia Delinquent Taxpayer list, my name is NOT on this list. I do not owe this money. Please have these 2 liens removed from the XXXX and TransUnion and XXXX Credit Unions.

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 2023-01-11
Company: Synovus Bank
State: PA
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:
FIRST PROGRESS CARD has recently marked me late on 2 accounts that i opened with them. Im not even sure why ... .i still hadnt even activated the cards or used them and they marked me late on a yearly fee that they charge ... .i understand about the yearly fee but i wouldnt think that they would mark you late without the card being active,,, i got these as a credit builder option and they have done th opposite ... .i am really looking to purchase a home and this killed my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I already filed a complaint, # XXXX, Bank of America denies to accept my claim because they say they have documents that show that I used the atm card or authorized someone to use the card to make a charge of XXXX dollars. 
I have requested them, over 7 times, to send me those documents but they never send them to me and I keep receiving letters telling me the same thing over and over again, now they want me to send them the bank statements where it shows I didn't authorize the charge, I know, doesn't make any sense, this is going in since the first week of XXXX. 
Bank of America does not accept this is an unauthorized charge to my checking account, what else can I do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We moved out of XXXX XXXX in XXXX FL in XX/XX/2015, ( XXXX XXXX XXXX ) As we were moving out they presented me with a bill. 

Said we didn't maintain AC, dirty carpets, water bill. 

I paid the water bill portion because that I believed we owed. 

I disputed the AC and dirty carpets. 

I then found they filed with a collection agency, but I was never notified of this action.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hello I reviewed a current copy of my credit report and I placed disputes to have inaccurate or fraudulent information reviewed. I have not heard back with any results and it has been more than 30 days per the FCRA. I am currently now being violated.

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 2017-12-13
Company: TRANSWORLD SYSTEMS INC
State: MT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed this debt listed on my credit report. I have never had any dealings with XXXX XXXX or its subsidiaries. I attempted to get this corrected but it still shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been going back and forth with Equifax concerning some unauthorized inquiries and an account that is still being reported that Equifax claimed to verify the date of last payment which is inaccurate. This has been an ongoing issue and Equifax has not been any help. By continuing to report these unauthorized inquiries and inaccurate unverified item they are violating the FCRA. Equifax 's credit breach leads me to believe the company is n't properly investigating disputes as they are claiming. I also have fraud alert on my credit report and have had for several months. The unauthorized inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX  XX/XX/XXXX. The inaccurate account is XXXX XXXX. 
As a consumer I am aware of my rights according to the FCRA. The only outcome is for Equifax to immediately remove these unauthorized inquiries and unverified inaccurate account as well as send me an updated copy of my credit report. I also must add that these credit reporting agencies should do more to help the consumers. Also, I WILL NOT ACCEPT ANY OTHER REPSONSE OTHER THAN A DELETION OF THESE UNAUTHORIZED INQUIRIES AND THE UNVERIFIED INACCURATE ACCOUNT. I DEMAND THAT EQUIFAX NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: Guild Mortgage Company LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is in regards to the Guild Mortgage Branch below : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX NMLS ID # XXXX Branch Manager : XXXX XXXX On XX/XX/XXXX I contacted XXXX XXXX based on referral of my real estate agent so I may refinance my two homes, one in XXXX and the other in XX/XX/XXXX At first XXXX was great, very communicative and great to deal with. I would say roughly XX/XX/XXXX was when communication became really bad. I would call or text/e-mail to not get a response or if I got one, would be a day or 2 later. I was told several times that we would be closing on the properties in a week or two. Those weeks became months. I waited on the order for the appraisals and reminded him many times to just not get a response. I finally got an appraisal done on the XXXX home on XX/XX/XXXX, a full 148 days later all while not hearing a thing about the refi in XXXX. 

After being fully frustrated I reached out to the branch manager,  XXXX XXXX in hope to solve this. She transferred me to XXXX XXXX to take over my account which was roughly XX/XX/XXXX. Just like XXXX, the communication was great but quickly dropped off. I was now told from XXXX that I would close the end of XXXX which then turned to the first week of XXXX which then turned to XXXX. The XXXX appraisal was completed XX/XX/XXXX after several requests for it. 

It is now XX/XX/XXXX, I sent an e-mail stating my frustration on XX/XX/XXXX. I have not heard anything back for three weeks. I reached out to both XXXX and XXXX last week to not get a response. I am now at 207 days since I first talked to XXXX. 

Through the process or dealing with XXXX, I would get a random call here and there from XXXX asking for information. My understanding was XXXX was not working on my account anymore yet it seems XXXX was just taking up the communication aspect. It would seem they never were on the same page and I had to send my documents multiple times. I also had to have my credit pulled a second time because they dragged their feet so long, my last report expired, which in turn cost me points on my report. 

This refinance has not only wasted my time but cost me money as well. I paid {$650.00} for the appraisal of the XXXX  home and even kept my XXXX  home out of forbearance which could have been saving me money in this rough time. The point of this was to save money monthly because of the hardships the economy and myself are suffering right now yet I haven't saved anything and only gained a lot of stress and spent money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
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:
Hi CFPB XXXX, I have been trying to resolve this account issue with XXXX, Equifax, XXXX as well as XXXX XXXX XXXX and XXXX XXXX, but to no avail. 

I have a credit card reporting on my credit that has late payments. This was never the case. Each time that I submit a dispute for the bureaus to correct these billing errors. They have not changed the status of the account to good standing. 

The economy is not getting better and interest rates are rising. These late payments that are being reported to my file are holding me back from receiving the best interest rates that are available today. I am depressed and distressed by this negative information being reported. 

This is my last attempt to dispute this before taking legal action towards these bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I opened a billing dispute with Union Bank against a merchant who refused to issue a refund for selling me a brand new washing machine that arrived broken. I tried for over six weeks to resolve the issue with the merchant on my own and only after they stopped all the communication I filed the chargeback. Under the consumer protection act, the onus is on my bank to get the money back if I can't get a refund. The broken washing machine is made available for pickup. The merchant was contacted by me numerous times, and the merchants failure to respond was submitted in my detailed letter to the bank to help with a chargeback filing documentation. The bank refused to help by stating that they do now get involved in these types of disputes.

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 2023-01-04
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-04
Company: WELLS FARGO & COMPANY
State: CA
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:
I deposited a cashiers check for {$21000.00} on XX/XX/2022 into my XXXX XXXX XXXXXXXX checking account that I have had for over 25 years. On XX/XX/XXXX Wells Fargo attempted to take that money out of my checking account without my authorization or notification because they said that cashiers check was somehow invalid causing my account to go negative- even though I obtained a bank statement showing the {$21000.00} in question was taken out of a Wells Fargo checking account. XXXX froze my checking account while they did an investigation for the whole month of XX/XX/2022 and said it may take an additional 60 days which I was fine with. However, they then froze my savings account which had nothing to do with the cashiers check or checking account transaction/investigation. I went into the branch and told them I understood I couldnt use my checking account since its frozen and would like to take money out of my savings which had approximately {$20000.00}. They refused and only gave me {$100.00}. From another account I had w a balance of about $ XXXX. How can a 3rd party bank like Wells Fargo go into my checking account with no authorization and attempt to take {$21000.00} leaving me overdrawn without any notification. And how can XXXX XXXX XXXX freeze all of my money and all of my accounts during XXXX when I only gave them authorization to freeze one of my accounts for investigation. This seems like abuse of power. It seems the banks are drawing this investigation out to keep my money. I myself, reached out to the person who gave me the cashiers check and collected his bank statement that shows the {$21000.00} taken out of his bank account and purchased a cashiers check that was deposited into my account. Why cant the banks follow the money trail and end the investigation. There is nothing fraudulent about this cashiers check, but the banks have not provided a reason for why they can not complete or even what theyre doing during this investigation. Other than holding my money from all of my accounts.

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 2023-01-04
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: NE
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 accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX 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 2018-10-10
Company: United Docu Prep, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I received a call from United DocuPrep on moday XX/XX/XXXX like at XXXX where they told me that they were can I consolidate my student loan they even told me that they were going to remove {$190.00} from my bank account for 3 months and approximately {$19.00} or {$20.00} starting on XX/XX/XXXX. For a moment I didn't even think about that that call could be a scam. XXXX XXXX is the company that lent me my student loan. I feel so stupid for giving them my information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
Portfolio Recovery is reporting Inaccurate information on my credit profile. Please delete account immediately This company continues to report inaccurate information to the three credit Bureaus ( XXXX, XXXX  & XXXX ). I have contacted Portfolio Recovery and requested this information be corrected and deleted from my credit file. Some of the errors are as follow : Date opened, Last date of Payment, Amount owed and payment history. Due to this company 's negligence in reporting my credit profile has suffered tremendously. I have made several attempts to correct this with Portfolio Recovery but to no avail. I had a perfect payment history with the original creditor XXXX XXXX for over 3 years. When I originally opened my account I opted to enroll in the payment protection program for an additional monthly fee. I paid this fee every month for over 3 years. Unfortunately I lost my employment the end of 2013 and requested the payment protection be applied to my account. The payments were not made for the duration my contact said they would which caused my account to go delinquent and eventually be charged off.

Company response to consumer: Closed with explanation