BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-07
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: Public record information inaccurate

Complaint:
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! 
Experian has repeatedly failed to DELETE an inaccurate Public Record account that's on my credit report that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( i ) ; as well as, fail to provide me documentation in my file and that was used to determined the alleged accuracy of this account according to FCRA 611 ( 15 U.S.C. 1681I ) ( 6 ) ( i ) ( ii ) ( iii ) and FCRA 609 ( 15 U.S.C. 1681g ) ( a ) ( 1 ). Also the National Consumer Assistance Plan ( NCAP ) passed on XX/XX/2017 after coming to a settlement with all ( 3 ) credit bureaus that the ONLY way bankruptcies are VERIFIABLE/ IDENTIFIABLE is they MUST have a name, address, a Social Security number or a D.O.B before appearing on my credit report, which is not showing on this incorrect bankruptcy. Therefore, this account MUST be deleted from my credit report.

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 2019-07-16
Company: ATG Credit, LLC
State: MS
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 have been dealing with identity theft on my credit report I have contacted all the creditors and the collection depts and I have sent certified mail to them all well also a ftc report of all the fraudulent activities on my report all the credit bureaus have removed all these items and hard inquiries EXCEPT XXXX they are really giving me a hard time about removing these items off my report Company-XXXX XXXX ATG credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send something to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have requested confirmation information from the servicer twice by calling and twice by emailing. Email takes over a week to respond, and I have not received answers from the customer service representatives over the phone. 

My questions are simple regarding what is required of me to ensure my PMI is removed from my mortgage payment. I have a 30 year FHA loan that closed XX/XX/XXXX as a refinance from an original FHA loan that closed in XX/XX/XXXX. My original purchase was a short sale with an appraised value sale price of {$260000.00}. 

I have asked the lender to confirm that {$200000.00} would be considered 78 % of my original LTV and thus my mortgage insurance will be removed if my loan balance is below that amount after 5 years has passed since my refinance. I also asked them to confirm what would be the first eligible payment date where my mortgage insurance could be removed. 

I have received incorrect information that my PMI can not be removed until XX/XX/XXXX. I have received canned responses regarding the automatic removal of PMI once the loan has reached 78 % LTV and five years of PMI payment. I simply can not get them to answer what dollar amount they show would be considered 78 % LTV and what date they would consider five years of PMI payments.

I'm simply trying to confirm they have the correct information to assure my PMI may be removed as soon as possible when I'm eligible. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: EQUIFAX, INC.
State: SC
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:
you are the victim of identity theft and place a fraud alert in your file ; your file contains inaccurate information as a result of fraud ; you are on public assistanceXX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX XX/XX/2020 SC XXXX XXXX XXXX SC XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/2020 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX, RI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
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:
I've recently challenged the accuracy of a public record that's being reported by TransUnion via letter, in which you'll find attached.

I'd requested names, addresses and contacts for those who reported the information. After their investigation, I've been told that the business name, address and contact of the '' furnisher ( s ) '' can be found in the investigation results. According to the attached, Georgia Federal Court- XXXX furnished the information with an incorrect address as well. Neither have I been provided documentation bearing my signature, as requested.

I'm asking that this matter be resolved in a timely fashion due to the fact it has hurt my ability to purchase a home.
I have attached all evidence of my efforts and the response. I have even placed a security freeze with XXXX XXXX. Thank you, in advance, for your time & effort in this matter. 

Kind Regards, 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 2020-06-25
Company: EQUIFAX, INC.
State: WA
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:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently applied for a mortgage loan and was denied due to a recent collection on my account. I pulled my credit report to find a new collection was added from a company called Jefferson Capital System. This debt is showing as opened XX/XX/XXXX for the amount of {$13000.00}. The original creditor is listed as " XXXX XXXX XXXX '' the loan from XXXX XXXX XXXX was from XXXX and has had no activity on the account for atleast 8 yrs. This debt was illegally reaged and is harming my credit. It has aided in the denial of our home approval. This issue has caused unnecessary stress in this difficult time we are already in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used western union to send money to a vendor bank account. On their website, it shows it is complete even though the bank account the funds were sent to has not received the funds. Even their online tracking system is showing that the receiver has not received the funds into the account. The transfer should have happened in 7 business days. Its been 30 days now and still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i OPENED AN ACCOUNT NAVY FEDERAL I RECIEVED NMY DEBIT CARDS AND CHECKS AND DEPOSITED MONEY INTO THE ACCOUNT I THEN CALLED TO ACTIVATE MY DEBIT CARD AND WAS TOLD THEY WERE CLOSING MY ACCOUNT FOR FRAUD - AFTER CALLING SEVERAL TIMES HOLDING OVER 2-3 HOURS I WAS TOLD TO TAKE MY DOCUMENTS IN TO THE BRANCH. I GET TO THE BRANCH AND THEY HAVE ROPES OVER THE BANK SO I HAD TO YELL MY REQUEST TO THE TELL AND COULD HEAR WHAT EACH PERSON WAS COMING INTO THE BANK FOR.THEY TOLD ME THEY CAN ONLY TAKE MY DOCUMENTS AND SEND THEM TO THE FRAUD DEPARTMENT. DIDNT TRY TO ASSIST ME REALLY. VI CALL BACK TO THE CUSTOMER SERVICE NUMBER AND THEY TELL ME THE BANK COULD HAVE APPROVED MY DOCUMENTS WHILE I WAS THERE .... ADVISED ME TO WAIT 5 DAYS AND CALL BACK THURSDAY. I CALL TODAY AND THEY TELL ME MY DOCUMENTS WERE SENT TO THE WRONG PLACE AND THEY ARE FORWARDING THEM TODAY. I CALLED AND REQ A SUPERVIOR WHO NEVER APLOGIZED HE HELD THE PHONE COWARDLY AND BESICALLY ACTED AS IF THIS ISNT OF ANY CONCERN TO HIM HIS NAME WAS XXXX - IM SO UPSET BY THIS SERVICE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
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:
Thank you in advance. Last year I opened a credit card with Union Bank. I know of one location on XXXX XXXX XXXX. in XXXX XXXX, California. In XXXX of 2020 I received a statement for the {$49.00} yearly fee. Since I no longer needed this card I called up to cancel the card on XX/XX/XXXX. This is way before the statement due date of XX/XX/XXXX. The following month I received another statement for same amount. This was on XX/XX/XXXX. They claim I still need to pay it, even though I cancelled the card. I asked to speak to a supervisor. They said one would call me back within 3 business days. That never happened so I called them today XX/XX/XXXX. I was able to speak to a supervisor named XXXX employee # XXXX. She said she would file a complaint on her end. I have no faith in this bank now. I feel I should not have to pay the yearly fee since I cancelled the card and will not be using it. 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 monetary relief
Consumer complaint received 2019-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The account with bank of America was closed XX/XX/, 2016 due to foreclosure, the amount of the debt is {$59000.00} and I would like for the tradeline to be deleted from my credit report..

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 2021-04-07
Company: EQUIFAX, INC.
State: LA
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 Equifax ; XXXX XXXX XXXX lates for the months of XXXX and XXXX, 2020. ( Please see pages attached from my credit report. I have also attached a copy of my drivers license for identification purposes. ) The vehicle was stolen and when it was recovered it required extensive work with the auto mechanic. I contacted XXXX and was granted a payment extension. ( Please see the attached letter from XXXX titled Payment Extension Notice for reference. ) This false reporting of lates on this account is seriously harming my credit score and these lates need to be removed. Also, Equifax ; XXXX XXXX XXXX are reporting this account as not in dispute. This account is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with M & T Bank in approximately XXXX or XX/XX/2019. I closed it a couple of months later. Today, XX/XX/XXXX, I received a letter that they had tried to contact me previously about an overdraft of {$29.00} but they had not heard back from me, and that they are closing the account and trying to collect the debt from me. This is a LIE. 

First, I closed the account months ago. 
Second, I never wrote a check on the account, and the balance is zero. There is NO negative balance. 
Third, they have not written to me previously. 

And fourth, they have the spelling and grammar of a first grader, which makes me suspect that the letter is a scam.

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 2020-06-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
contacted Experian via automated system for a freeze to be temporary lifted on XX/XX/XXXX and refreeze on XX/XX/XXXX, experiand let a company access my credit report on XX/XX/XXXX even thought I request it be froze that date.

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 2020-06-25
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
We got the American Express card when we filed our taxes. We were told to keep it after we could reload it w the route number and account number. We had XXXX XXXX [ XXXX ] unemployment benefits PUa and the funds were dd on the card. We were paying Bill 's buying clothes online due to covid.and safe distance from others due to being pre medical conditions. Afraid of on set covid exposer in high risk area. And American Express serve shut the card off. Due to fraudulent activities. I'm XXXX XXXX XXXX and I have called my daughter had to call my husband called. We were told that no one could have any money deposit except for head of household card holder. They were letting us spend it. We were getting confo invoices. Then one day rejection letter of cancellation of payment. Serve fraud account informed us that a paper check would be issued. Then we were informed that it would be returned to sender. Then a 3 time the sender would send request of funds be returned to them. Unfortunately none has been done. It was XXXX directly deposited. XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Company: Avant Credit Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hello, on XX/XX/2016 I called Avant to pay off my account the person who help quoted me {$1900.00} to pay off my account that same day I made payment after she quoted me the payoff to closed acct. I been in the finance industry for over 10 years and i know when i get a call from a customer asking for a payoff we quote them an amount for that day to closed the acct. and end story. well Avant gave me the payoff and XX/XX/2016 i made payment and the next day they went ahead and deducted the monthly payment of {$190.00} the next following day XX/XX/2016 which I put a stop payment because i already had made a payoff on XX/XX/2016 they even sent me a letter saying after i had made the payoff amount of {$1900.00} my acct was XXXX balance. well Avant has been harassing me saying that I owe them now almost {$1000.00} and I totally disagree. they reported to my credit as my acct being on default. they claim that the payoff they gave me didn't include that payment that was due the next fallowing date. how is this even right? when you ask for a payoff to closed acct all fees and payments need to be included. 

I hope you can assist with this matter. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX  XXXX XXXX on XX/XX/2018. I informed them that i never had A XXXX XXXX account before, which is the bill they are saying I owe them for debt. I never opened the account and asked for a verification of debt. They informed me that they do not legally have to provide me or notify me of debt. I was never notified about the collections. I never Recieved a letter. I only knew i had the collections because i ran my credit report. When I contacted the company, they could not find my file. They have the wrong name under my social security number. This company is fraudulent and unjust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a mortgage with Bank of America that was paid in full on XX/XX/2020, When we sold and closed on the house. On XX/XX/XXXX I noticed my credit report still showed the active mortgage so I called, they confirmed that they had the money but there was an internal error and it wasnt applied. At that time they said they fixed, 10 days later I still noticed my credit report hadnt updated, called back same response and I had to wait until XX/XX/XXXX for it to show. Around XX/XX/XXXX I did get a refund for my escrow, and a mortgage payment they automatically took out in XXXX XX/XX/XXXX came and the mortgage is still showing and they took out a payment for XXXX! I called again they said that it was showing paid off in XXXX system but not the other one and their escalating it. XX/XX/XXXX, I received and email saying they havent received the last two mortgage payments and to call them to avoid forclosure! 
They said they were going to debit the funds back into my account for XXXX, I havent seen them. 

I need someone to help me! This is absolutely insane at this point!

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 2020-11-12
Company: Experian Information Solutions Inc.
State: NJ
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:
I recently sent letters over 60 days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2017-12-08
Company: Nationwide Financial Group
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
paid off two car loans XXXX/XXXX/XXXX. Have not received titles

Company response to consumer: Untimely response
Consumer complaint received 2019-07-16
Company: WorldRemit Corp.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
World Remit does not deliver what it promised on time. I made several calls during 24 hours period. The money involved is {$1000.00} and was sent XX/XX/2019. Since then I called several customer service agents, and each of them has been saying the same reason, that its payout partner does not provide any confirmation after it received money. So the agent provided two options for me to consider, cancel the transaction or keep waiting. I took the cancellation and I demanded to send back my money back to my bank account in US as soon as possible, but the agent does not not guaranty when I will get the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Called to find out repayment options. Income is low and they will not lower my payments. Which means i can not or will not be able to pay amount and could go into default status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
and requested original documentation showing I owe this debt for them to show my signature on a contract that I agree to pay the debt that is on my credit report lvnv funding LLC is in direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681

Company response to consumer: Closed with explanation