BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-31
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: Account information incorrect

Complaint:
Over the past 90 days I have been challenging the accuracy of the information provided by TransUnion with regard to my legal name change from XXXX XXXX XXXX ( adopted name ) to XXXX XXXX XXXX ( birth name ) I have provided them with numerous copies of the court order. Beyond this, we asked them to correct inaccuracies with their customer XXXX XXXX  with regard to our payment history and the status of our account. We were never late on any payments and it was included in our chapter XXXX bankruptcy but they refuse to make any changes. I have disputed this will all the major reporting companies but at this point we are at an impasse and I find it necessary to reach out to you and ask you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I would like a judge to decide if XXXX XXXX XXXX followed the law during my stay as a tenant. My rent at XXXX XXXX XXXX was {$860.00} a month. XXXX XXXX XXXX evicted me after I paid the apartment {$32000.00} in rent and {$3000.00} in late fees from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX charged me late fees exceeding {$50.00}, {$300.00} fees for evictions and {$1000.00} in damages. XXXX XXXX XXXX put {$2200.00} in collections and an eviction on my credit report. XXXX XXXX XXXX overcharged me and caused me to be homeless. The eviction on my credit report made it impossible to get another apartment. I dont believe I received fair compensation for the money I spent at XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX   charged me {$1300.00}. 
On XX/XX/XXXX, XXXX XXXX XXXX charged me {$1100.00}. 
On XX/XX/XXXX, XXXX XXXX evicted my family and charged me {$2200.00} to return to my apartment. 
On XX/XX/XXXX, XXXX XXXX XXXX   charged me {$1000.00} On XX/XX/XXXX, XXXX XXXX XXXX charged me {$1400.00}. 
On XX/XX/XXXX, XXXX XXXX requested {$1400.00} in rent and late fees. I could not afford to pay and I was evicted. 
On XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX charged me {$1000.00} in damages. 
On XX/XX/XXXX XXXX XXXX put {$2200.00} in collections on my credit report with a company called Sentry Recovery Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
An authorized wire transfer was wired into my account. The sender later called the financial institution claiming the funds were unauthorized causing the frozen of my equity and account,

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 2020-10-13
Company: Freedom Mortgage Company
State: AZ
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:
we have AUTO PAY to pay our mortgage payment each and every month..our mortgage company FREEDOM MORTGAGE has taken their payment every month without a hitch. however recently they reported to the credit bureaus that my XXXX and XXXX payments were both 30 days past due! how can i be late when freedom TAKES their payment directly from my bank..fyi..my bank and my on line freedom account both clearly show these ( and all ) payments paid on time ( XXXX on month ) ... my fico was XXXX before this..it has taken a big hit ... we did not get to a XXXX fico score by making late payments ... freedom insists their info is correct ... ..this is 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 2017-11-06
Company: EQUIFAX, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency XXXX not report negative information that is more than XXXX years old or bankruptcies that are more than 10 years old. XXXX XXXX XXXX reports an old debt, unverified, as a collections account on my credit report. None of the debt is verified, there is no proof of payment information. In the state of Indiana debt older than six and one-half years must be cleared from the credit report of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new Bank of America checking account under a new account promotion of {$300.00} for meeting certain requirements. I met those requirement, and Bank of America acknowledges that, yet paid out {$220.00} instead of the {$300.00}  promised. I made several calls to the bank and they state they took out taxes from my bonus. I spoke with several representatives and asked for the remaining amount of my promised bonus as per their advertised terms and was denied. 

I also received a letter dated XX/XX/18 stating I had qualified for the bonus payout and that {$300.00} was deposited on XX/XX/18, which contradicts what they did which was deposit {$220.00} on XX/XX/18. 

The bonus terms which are clear as to any taxes due on the bonus being my responsibility, states the following : " If you meet all the requirements for the {$300.00} Checking Account bonus, the earned bonus will be deposited directly into your new checking account within sixty ( 60 ) days of meeting the qualifications. Your new personal checking account must be open up to and including the date the bonus is paid in order to receive the bonus. 

All bank account bonuses are treated as income/interest, and as such you have to pay taxes on them. You will be issued a XXXX at the start of next year. '' Lastly, I am not subject to tax withholdings and indicated so on my application ( in case that has anything to do with this issue ).

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 2020-09-09
Company: General Motors Financial Company, Inc.
State: MA
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 account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: EQUIFAX, 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:
XXXX XXXX, Equifax and XXXX still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) " through the physical validation of the original signed consumer contract '' to provide me lawful proof of verification for several accounts that have been reported on my credit report. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to validate in order to protect my rights as a consumer. Since it has been well passed 30 days allotted them as of XX/XX/2018 I am insisting that he CFPB forces XXXX XXXX, Equifax, and XXXX to legally validate said debts or delete them IMMEDIATELY! Certified letters were mailed out on XX/XX/2018 and delivery of said letters were confirmed XX/XX/2018. 

Accounts : -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX -XXXX -XXXX -XXXX ( Been over 7 years ) -XXXX -XXXX -XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied XXXX XXXX which was requested )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX XXXX I purchased a XXXX XXXX XXXX XXXX XXXX in the the amount of {$13000.00} that 's including all taxes and fees from XXXX XXXX, XXXX XXXXXXXX XXXX. I completed all paperwork including finance contract for the amount listed above. 

On XXXX XXXX I was checking another account that I have with Capital One and was surprised to see my car loan amount of $ XXXX realized that something unethical, illegal and possibly criminal occurred. I later found out that the financial XXXX, XXXX XXXX, added an extended warranty that I did not purchase. I put 2 and 2 together and realized that on XXXX XXXX when I went to pick the vehicle up is when this must of occurred. XXXX had me sign papers of which I received no copies. I thought this was part of the normal purchase process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX  XXXX {$400.00} XXXX XXXX XXXX  XXXX {$280.00} XXXX XXXX XXXX XXXX {$210.00} COLLECTIONS XXXX {$200.00} COLLECTIONS XXXX {$270.00} COLLECTIONS XXXX {$52.00}

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 explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: OH
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 received a series of emails for Experian stating the report for my dispute was available I never filed a dispute. After trying for more than an hour to get a live person on the phone. I then spent 20 minutes verifying my identity. When I was finally asked for the report number and the name on the report they refused to tell me how my account had been mixed up with another person 's. They have comingled our accounts. I have a fabulous credit score. I will be very unhappy if it gets damaged because Experian has confused my account with someone elses. I could get no satisfaction from their disinterested foreign call center employees.

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 2018-11-07
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested mortgage assistance from my lender Shellpoint a few times now to have them come back and me you 1st have to come up with $ XXXX to $ XXXX, as a down payment. I do not have or have saved or could have saved during my hardship. I was willing to make my payment for the approval on XX/XX/2018 but they said they cant accept my payment for the trial plan till i pay them a down payment of {$20000.00} I dont have. My family and I have not lived in any means spending money that we could have paid the mortgage with, we cut out a lot of things for us and our kids for sports activities and other things as well as we do not eat out and we shop at the dollar store and you can see my bank statements showing we have so many over- draft fees, we do not have {$20000.00} to put up front.We have exhausted all we can to work with shellpoint and they only come back to ask for 50 % of the past due amount. I just dont have it. However the payments they had approved me for i can start making them but they wont accept nothing till i give them a down payment. I want to keep my home, my family and I love our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

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 2020-11-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

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 2018-11-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted Navient in XX/XX/XXXX about my student loan debt. I learned about a lawsuit against XXXX for fraudulent and misleading practices. The Navient representative told me they would investigate my claim, and suggested putting my loans in forbearance. I called Navient multiple times between XX/XX/XXXX and XX/XX/XXXX checking the status of my claim. The representatives would always tell me the investigation is under review. I would be reminded that the loans are in forbearance and the interest will continue. On XX/XX/XXXX, I spoke to XXXX XXXX a representative of Navient, she told me they were still investigating my claim. I asked how long does this investigation take, it has been 22 months? She said she did not have any other information to provide, and referred me to another department titled " Defense Repayment '' XXXX. I spoke to XXXX, she advised me the claim is under review, and the loans would remain in forbearance until XX/XX/XXXX. I asked her how long does this investigation take, she could not provide any additional information. I asked about the interest on the loans growing, she said the loans were still in forbearance where they continue to accrue interest, until a final decision is made. She did confirm the date I filed the claim was XX/XX/XXXX. I went online to see if there were any similar complaints against Navient, and found a lawsuit ( Illinois Attorney General XXXX XXXX ) against Navient for misleading practices. Navient claims they have been investigating my claim against XXXX for fraudulent and misleading practices, and now they are defrauding me. Navient will not give me any information about the investigation. They only tell me my student loans will remain in forbearance, and continue to gain interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: JPMORGAN CHASE & CO.
State: NV
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:
XXXX  has been non-compliant with removing the unverified account CHASE MTGwhich has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE MTG was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
XXXX has been non-compliant with removing the unverified account BANK OF AMERICA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-05-01
Company: M&T BANK CORPORATION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
M & T Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2021-06-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
HELLO, I AM INQUIRING ON THE PREVIOUS INVESTIGATIONS THAT THE CREDIT BUREAUS HAVE PERFORMED. I FEEL LIKE NOTHING HAS BEEN DONE IN THIS CASE .... 

THERE ARE CERTAIN NEGATIVE ACCOUNTS ON MY CREDIT REPORT WHICH HAVE NOT BEEN RESOLVED. THE CORPORATE XXXX XXXX ACCOUNT IS REPORTING FALSE INFORMATION. I WAS NEVER LATE ON ANY OF MY MONTHLY PAYMENT, AS WELL AS I HAVE BEEN A VERY LOYAL CLIENT OF THEIRS FOR YEARS.XXXX XXXX  IS AN ACCOUNT THAT I DO NOT RECOGNIZE, AND I AM NOT LIABLE FOR, THEREFORE EQUIFAX WAS ABLE TO REMOVE THE NEGATIVE INFORMATION PLEASE GIVE ME A REASON WHY EQUIFAX, XXXX  OR XXXX  HAVEN'T BEEN ABLE TO RECTIFY THE INACCURATE, OUTDATED, UNRELIABLE INFORMATION OFF OF MY CREDIT REPORTS. I FEEL AS IF MY CONCERNS ARE BEING DODGED BY THEM AND THIS IS AFFECTING ME IN AN ENORMOUS WAY.

Company response to consumer: Closed with explanation