BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I submitted a dispute for two accounts in collection on my TransUnion credit report through the company TransUnion partner 's with XXXX XXXX. 

According to XXXX XXXX 's website and TransUnion, they are in partnership with each other. The dispute function is trademarked as Direct Dispute by XXXX XXXX in partnership with TransUnion, this verbiage is clearly indicated on the Customer dashboard page. After submitting my dispute, XXXX XXXX indicated that the dispute was being transmitted to TransUnion. I heard nothing more and continued to check my dispute status for many months via the provided Customer Dashboard as XXXX XXXX has no direct number to dial for assistance. My dispute status never updated. So, ultimately I contacted TransUnion on XX/XX/XXXX and they stated they never received the dispute via the XXXX XXXX conduit and that I would need to resubmit a dispute. I also contacted XXXX XXXX and they stated that they were " experiencing a communications error that prevented them from processing TransUnion disputes. '' and that their team is working on fixing the issue. Mind you, in the over a year and a half, XXXX XXXX never once notified me of this matter or that they were working on the problem until after I bought it to their attention on XX/XX/XXXX, XXXX XXXX XXXX also offered the same resolution that TransUnion advised, and that was for me to resubmit the disputes. 

In either case, I lost my documentation in support of my dispute and I am unable to obtain additional records due to the fact that the company that maintained the records has since gone bankrupt and been liquidated over two years ago. I am stuck and neither XXXX XXXX or TransUnion is taking any type of responsibility on this matter. They are pressing resolution on to me. 

I am certain I am not the only one affected by this. Please investigate both of these company 's resolution and communication processes as they are not providing the service they are touting and, they are not taking responsibility for their erroneous and untimely processes and response times. My credit has been adversely affected during this duration and I am attempting to get the matter resolved. 

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 2020-01-21
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/24 I received notification of a lawsuit for {$1000.00} in mail regarding a debt that is not mine. I contacted company aka lawyer four times since then and received only one mailing - after requesting proof of debt, this law firm mailed me fraudulent statements which I have responded to via fax 3 times. I have yet to receive anything about this lawsuit being dropped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have reached out by letter and phone to Experian to update personal information, and so far they have not complied, the address they have listed are old and out dated, and I fair my identity has been compromised because of it.

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 2018-03-19
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been trying to make a payment for past two weeks they refused to take one very rude demanding full amount. I asked to defer a payment back in XX/XX/XXXX due to all the repairs that were now needed on my XXXX XXXX. Wells Fargo said yes mailed out the paperwork told me to fax it back which I did. My vehicle was in an accident the week before XXXX I had to pay {$1000.00} deductible towards the repair. In XX/XX/XXXX when I called to make XX/XX/XXXX payment they told me my truck was out for repo that I was 120 days late. Customer Service Agent refused a payment until I threatened to file a complaint told her I had returned my deferment she said too bad that I had not. I had to fight to get a manager. Than my car engine caught on Fire a week later the alternator was ruined and so was the entire electrical system. I opened a claim with XXXX called Wells Fargo to say I had to hold off on my scheduled payment until the mechanic knew if the car was totaled or could be repaired. My case manger screamed at me that I still had to PAY even though I told her it would be covered under the insurance policy if it was totaled and that XXXX said entire loan would be paid. I finally got my truck back 14 days later it cost {$980.00} for new wiring & a rebuilt Alternator but my oil tank was still leaking and the transmission is mixing. Wells Fargo has refused all payments from me in the past two weeks and they will not honor the deferment that was supposed to be granted even after I emailed the copy to the Office of the Dealer President and spoke to them about the refused payments on a truck with 141,000 miles XXXX. I can not pay over the automated system since XX/XX/XXXX when they disabled my account at XXXX the guy on Thursday laughed and they lady on Friday said it was too late. They have misapplied previous payments and than sent out letters months later apologizing they are horrible to work with. I have had this loan since XX/XX/XXXX XX/XX/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 2019-04-30
Company: Credit Karma, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries on credit report from unknown sources and lines of credit I did not apply for XXXX XX/XX/XXXX inquiry XXXX XX/XX/XXXX inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I completed a FULL mortgage application with Quicken Loans. The Loan Officer was XXXX. XXXX XXXX NMLS : XXXX. I sent XXXX all documents including a sales contract, they even pulled credit. XXXX called us and confirmed we finish the application through rocket mortgage. XXXX then said in order for quicken to disclose the loan to us with a rate of 4.25 he would required {$500.00} deposit. I said ok but only if we got a Loan Estimate. XXXX then said that I should understand that this {$500.00} deposit was a handshake with Quicken and the only way he would disclose the loan at that point is if I paid the fee first. I refused. My husband, XXXX XXXX ended up talking to XXXX that night and the only thing we could get XXXX to send us was an email. Which I have attached. We have never received a Loan Estimate until this day. XXXX called us non stop for a week until we told him to stop. I am extremely concerned that we never got a loan estimate considering we completed a full mortgage application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Case Number : XXXX Merchant : XXXX XXXX Date of Transaction : XX/XX/19 Disputed Amount : {$30.00} Dear Sir or Madam : Please be advised that I continue to dispute the above referenced case number, neither myself or anyone else authorized by me has signed for nor received the merchandise included in my original dispute. Merchant provided a tacky photocopy of a return/refund policy. However, the policy fails to advise as to how they handle refunds for products damaged while the untrained cashier packs the groceries. 

As mentioned in the original complaint, the cashier XXXX attempted to pack numerous items in one bag causing damage to yogurt parfait cups, cupcake container and plastic bakery container. Therefore, liability for this action rests in the hands of the merchant and not the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: SYNCHRONY FINANCIAL
State: CT
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:
These accounts don't belong to me. Plese remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 
Identity Theft 1. XXXX XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft SYNCB/LOW Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

5. Identity Theft SYNCB/XXXX  Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.

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 2021-06-29
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: Information belongs to someone else

Complaint:
On XX/XX/2021, I called Experian Fraud Department to make them aware that I did not give them written permission to " Report '' anything and that there was incorrect/inaccurate information being reported on my Credit Report. I also demanded that they remove the incorrect/inaccurate Information immediately. I was told it could not be removed immediately and it would take up to 3 days. 

On XX/XX/XXXX I received an email from Experian letting me know the results and my Credit Report was updated. 

As an informed consumer and aggrieved applicant as described in 15 USC 1692a ( 3 ) and 15 USC 1691d ( e ), I, XXXX XXXX XXXX XXXX solemnly swear that the aforementioned are true and correct to the best of my knowledge and belief or under penalty of perjury I agree that everything I say is true.

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 2021-06-29
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Other XXXX XXXX Account # XXXX XXXX XXXX : XXXX Bal : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I kept receiving calls and letters from a company called Portfolio Recovery Assistance LLC I wrote a letter requesting validation letter than letter was produced so on XXXX XXXX I proceeded to contact the agency spoke to a collector that kept playing games by changing her voice at one point she stated she was manager and just made her voice deep. I agreed to make a settlement for XX/XX/XXXX and XX/XX/XXXX with the agreement to get it taken out of my credit report and with them to produce a settlement letter along with agreement to remove this from my report. This was never accomplished, than I tried to make a payment to their online services would not allow me too. Than I contacted the collection agency on XX/XX/XXXX they emailed me telling to contact an agency I refused to contact an agency because all they do is play phone tag acting as a manager etc. I have repeatedly asked for the letter before making a settlement payment. Now they want the payment but refuse to send a settlement letter. They have had almost 4 weeks to produce the agreement letter and nothing has been accomplished. I was willing to pay XXXX in two payments for a XXXX credit card that was in collections. I explained I had got laid off due to COVID and was barely getting on my feet explained to them they kept call me during COVID when they was suppose to cease and decease during that time. 
Account # XXXX Seller : XXXX XXXX XXXX  XXXX, Current Creditor Portfolio Recovery Associates LLC, Balance : XXXX what is strange is when you call they read the mini Miranda for Collection but this on my email : " Please be advised that this is a communication from a debt collector, but this is NOT an attempt to collect a debt. Any communication with PRAs Customer Care Department is made for the limited purpose of addressing your issue and is NOT an attempt to collect a debt. '' " " I am here to help, contact me today! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
due to covid i recently obtain a copy of my credit report and noticed accounts that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
XXXX charged me {$390.00} on a Bank of America credit card for a service I did not want to renew from 3 years ago and did not authorize. When I complained about it, they refunded {$380.00}, which leaves a {$11.00} charge. 

If I could freeze my credit card, I would have done that years ago. I'm astounded BoA allowed this charge to go through. 

I closed my complaint with Bank of America when XXXX agreed to refund me, but I haven't been able to reach out after realizing they are not refunding me the full amount.

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 2018-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged a minimum interest fee of {$1.00} in XX/XX/XXXX, but there was no balance subject to interest ( per the creditor 's own billing statement from XX/XX/XXXX - the creditor is Bank of America ). I carry a balance on this credit card from a 0 % balance transfer. I believe the reditor has, at best, a system problem and for me it is unfair and incorrect to attempt to bill me that minimum interest fee. 

I spoke with their customer service center manager on XX/XX/XXXX, who informed me this was interest in arrears from the former billing cycle. However, the billing statement where I was charged was in XX/XX/XXXX ( {$0.00} from an annual fee of {$79.00} on the account and which had no grace period for interest accrual since I carried a balance ), payable in XX/XX/XXXX.  In early XX/XX/XXXX I made a payment far in excess of the minimum due plus any amount that might have still remained on the annual fee and the {$0.00} interest on that. This payment was reflect as paid when the creditor issued the XX/XX/XXXX billing statement. That XX/XX/XXXX statement itself showed NO AMOUNTS OR BALANCE SUBJECT TO INTEREST. 

If not a violation of Regulation Z or UDAAP, it is at least misleading and confusing. I will also I have had the same scenario with other creditors ( 0 % balance transfer offer in place when an annual fee cycles on the account ) and have never experienced this.

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 2022-10-13
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX has not reported to credit agencies since XXXX. My last reported balance was nearly {$1200.00} and my current balance is XXXX. This is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Navient Solutions, LLC.
State: MD
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 am identifying myself as a consumer. According to my consumer rights I am requesting debt validation of all of my all the student loans on my credit file. If the original contract with my wet signature is not provided then the accounts should be removed from my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company named XXXX XXXX - In XXXX FL. Would send a colection letter for the last 2-3 years claming that I owed XXXX {$300.00}. I called XXXX and XXXX informed me that not only did I not owe them anything, but that the Account Number DC was using was not in the format that XXXX used for their Accounts. Now Diversefied Consultants has filed a colection notice with XXXX. My credit score went down 30 points! this company needs to not only remove the Collection clame, but pay damages!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Disputed inaccurate information on credit report and havent received any results nor communication

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: U.S. BANCORP
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:
In XX/XX/XXXX, I received a phone call from US Bank, my mortgage company, about a disaster forbearance due to Hurricane Harvey. During that time I was told that no payments would be due on my account and that no credit reporting would done. At the end of XX/XX/XXXXI received a letter that stated my disaster forbearance would end on XX/XX/XXXX and at that time the total sum of my account would be due in the amount of {$1500.00}. Because XX/XX/XXXX was a holiday and offices were closed, I called US Bank on XX/XX/XXXX and paid the requested amount of {$1500.00}. On XX/XX/XXXX, I received a credit monitoring notification that there were changes to my credit report. When I checked my credit report, it was noted that US Bank reported my mortgage account as delinquent 90-119 days past due. I then placed a call to US Bank and spoke to a manager regarding this matter. I was told that they were aware of the problem and an issue with their system prompted the system to subsequently report all customer accounts that were on disaster forbearance as delinquent for more than 90 days. I was then told that a task was sent on my behalf to their credit reporting department to have the incorrect reporting updated to adequately reflect no late payments. I was also given the name and fax number of a XXXX XXXX and was told that as an added measure, I could submit a letter to her in an attempt to expedite the matter, which I did. I made subsequent phone calls to US Bank regarding this matter to have the same answers regurgitated and no action taken. This reporting has dropped my credit score over 100 points and even further dropped my credit score by having my creditors reduce my credit limit on current accounts thus increasing my utilization rate on these cards. This has also made me have to put a needed car purchase on hold as my credit score, as it stands would cause me to have a higher than wanted interest rate and down payment. It has been past 30 days and my credit report continues to reflect an account that is 90-119 days late. 
A more thorough review noted that US Bank has reported my account as 30 days late for XX/XX/XXXX, which is also incorrect. 
I have disputed this information with the credit bureaus and submitted proof of the letter received and proof of payment, it has been past 30 days and nothing has been removed from 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 2021-04-12
Company: Revco Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter with request to payment to the company Revco Solutions I do not recognize and never contracted any service from. They claim to act on behalf of XXXX XXXX, but I don't know who they are either. 

My attempt to log in to their website for inquiring more information resulted in attempt to install some software on my computer.

Company response to consumer: Closed with non-monetary relief