BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-05
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:
I sent a letter o XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 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 non-monetary relief
Consumer complaint received 2019-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We had a mortgage with Bank of America then it was sold to XXXX XXXX XXXX. At this time my husband was very ill with XXXX XXXX and wasn't able to work. He went on Social Security/XXXX and we were given a modification. We were told at the time that our interest rate would be 2 % as part of a government program. Then the loan was sold again and the interest rate went to 4 %. We couldn't afford the 4 % or the new loan amount they gave us. My husband was still on XXXX. He kept corresponding with the bank until we had a court hearing in XX/XX/XXXX. During that hearing we once again told the lawyer for the bank that we couldn't afford what they were proposing and we were still on a trial payment plan with them. They wanted to proceed with foreclosure at that hearing but instead filed a Voluntary Stipulation of Dismissal. My husband was handling the paperwork but he died while in the hospital on XX/XX/XXXX. I am now trying to get this all sorted out as I want to keep my house. The last statement I could find from The XXXX XXXX XXXX XXXX XXXX was for XX/XX/XXXX. Again, we have not been to court since XX/XX/XXXX, nor have I received an eviction notice. This past week I received a letter from a realtor saying we have to give her the keys. I did receive a letter from the banks attorney titled Section 3 Notice for Posting and Delivery. 
I need help sorting this out and when I do review the bank statements from XX/XX/XXXX, to try and figure out what is owed they are all different amounts but one this for sure is the mortgage interest is astronomical. Please see all scanned in letters that my husband wrote to the Bank. You will see that he was doing what t

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX XXXX  XXXX Holiday, I made a purchase online. Purchased was accepted ( debited pending ) and immediately cancelled by the vendor with an ( immediate credit pending ). The transaction was cancelled stating unable to verify identity. On XX/XX/XXXX, I repurchased the same exact item for the same exact dollar amount and received a confirmation and my Wells Fargo checking account reflected ( debit pending ). Immediately after the 2nd purchase my order was cancelled, for the same exact reason as the first time yet this time I do not have a credit pending. I chatted with the merchant and they provided me with a transaction code and authorization code for the pending credit. I have the transcripts of the chat. I called Wells Fargo giving them these numbers and they can not authorize a pending credit. Now XXXX auto system should have credited me as quickly as they cancelled just as they did on a Holiday day. I duplicated the 2 transaction with the same credit card, same CVV code, Same product, same amount and same device. The fact there is no auto credit this time my money is being held hostage while the product is available for others to purchase. I have school in less than 24 hours and I have no money, no laptop, and Wells said they can not call or even review the evidence or my claim to offer a provisional credit. I explained to wells escalation and claims department, I am requesting for them to protect my Visa Purchase or if they could contact the XXXX fraud dept and either 1.  Confirm my identity. 2. Secure the product, or offer me a provisional credit based on written documentation I received. Now XXXX is responsible for not insuring the auto credit each and every time their system auto cancels an order. I now have to wait 1-10 business days and I have no product or no money and each of these institutions state I have to wait for the other to provide the credit. This is the exact reason why I am taking the paralegal class! 
Although I had a transaction ID and Authorization code neither party would issue me or credit nor hold the product. Wells Fargo would not allow me to email the evidence of the transaction being cancelled or the transcripts from XXXX so my money is not available and nor is the laptop.

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 2020-02-12
Company: GOLDMAN SACHS BANK USA
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The Company provided a Fraudulent statement lied to you a federal Agency. FBI, Metro PD and FTC already ruled that they in breach of Federal Law and committing Federal Banking Fraud. 

This what they wrote to you : " CFPB Response XXXX # XXXX ( Recd XX/XX/2020 ) Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/2020. We appreciate the opportunity to address the issues raised by Mr. XXXX XXXX and the CFPB. Mr. XXXX complaint references the treatment of Daily Cash for returns. The Apple Card Customer Agreement details the handling of a return on an Account, including that the Bank will charge an Account an amount up to the amount of any Daily Cash accrued for the transaction ( s ) related to the return ( a Daily Cash Adjustment ). Mr. XXXX made a purchase and earned Daily Cash.  When the Customer returned the merchandise, the Bank charged a Daily Cash Adjustment, as the Daily Cash he previously earned was already transferred to his Apple Cash account on XX/XX/2020. Based on the above details, we kindly request this complaint be closed. '' This the reality. The Merchandise was never returned. The computer is in my possession. XXXX XXXX   AFTER SPEAKING WITH GOLDMAN SACHS ON THE PHONE IN PRESENCE OF WITNESSES who submitted sworn affidavit to the FBI Also. XXXX advisor asked me to return it and repurchase it to gain additional discount when I went to purchase XXXX XXXX. I told them what about my cash they got Goldman Sachs on the phone and GOLDMAN SACHS representative in the  presence of the witnesses that I get to keep my cash back if I di what I am told by XXXX. Please see attached the proof that the merchandise was repurchased with the receipt and that it is registered to me with the XXXX XXXX Document. 

I have published this fraud to MEDIA OUTLET SO that other consumers do not get frauded by GOLDMAN SACHS LIKE I AM VEING FRAUDED AND ABUSED Additionally, their supervisor had agreed to put this under investigation and someone was supposed to call me and it never happened THE RECEIPT AND XXXX XXXX   EVIDENCE BELOW SHOWS YOU THAT I ABIDE BY THEIR TERMS AND CONDITIONS!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian, XXXX, XXXX  and XXXX  XXXX XXXX. I spoke to XXXX XXXX XXXX XX/XX/2020 and I was told by an agent at XXXX XXXX XXXX that my loan forbearance was mis-calcuated on their behalf which caused the account to become delinquent. I was in forbearance at the time the late payment was reported. the agent admitted to it being an error on their behalf but stated she coulndt correct it, and that I would have to dispute it with XXXX, XXXX  and Experian to have the late payments removed. I have disputed with XXXX, Experian and XXXX  and they never investigated my dispute request. I am highly upset because it is affecting my credit worthiness and I have been denied a home. I am asking that they remove the late payments from both /accounts / They are also showing many other inaccuracies in their reporting. the open date shows 2 different dates and the date of last activity shows 3 different dates which are XX/XX/2020, XX/XX/2020 and XX/XX/2020. How can they have verified this account when its still reporting many inaccuracies. please remove this accounts from my credit report. I also saw a new article during this pandemic were this servicer reporting consumers late payments while in deferment, which cinsumers were told they wouldn't be reported late. The article stated that we could dispute with the bureaus to get late payments fixed.

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 2018-03-05
Company: Conn's, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received a special offer from Conn 's home plus about my past due payments. when i called about it and talk to them on XX/XX/XXXX, I was given 3 options.. # 1 pay XXXX payment in full, # 2 refinance the remaining balance, # 3 pay XXXX and the remaining past due payments would be put at the end of the line ( deferred ) and next month in XX/XX/XXXX I will be back on track with my payments, It was stated to me that either option would bring my account up to current status. I agreed to option # 3 due to me being close to paying off the account. Arrangements were made for the payment of XXXX to be debited out of my bank account on XX/XX/XXXX, my social security check was a little late being direct deposited but Conn 's did in fact receive their payment. On the same date of XX/XX/XXXX I started receiving credit alerts on my smart phone and found out that Conn 's had reported me as delinquent on my credit reports, I contacted Conn 's  and told them what happened and told them that they can not do that, arrangements were made, this is what I was told, that I upheld my end of the payment agreement why are you breaching yours. Conn 's wanted to argue about the remaining late payments and I told them that they were deferred in the arrangement and that this is a violation on the Fair debt credit reporting act and they are going to have to take the delinquency off my reports. Conn 's has breached their end of the arrangement and were deceptive in making their agreement to the arrangements. I am willing to follow through with legal recourse as Conn 's has put damaging information on my credit reports by breaching their end of the arrangement. Conn 's is still contacting me to pay even after this payment arrangement was made. Even tho i am still recovering from a XXXX, Conn 's uses deceptive and unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX, Equifax, XXXX  and XXXX  XXXX XXXX. I spoke to XXXX XXXX XXXX XX/XX/2020 and I was told by an agent at XXXX XXXX XXXX that my loan forbearance was mis-calcuated on their behalf which caused the account to become delinquent. I was in forbearance at the time the late payment was reported. the agent admitted to it being an error on their behalf but stated she coulndt correct it, and that I would have to dispute it with XXXX, Equifax and XXXX  to have the late payments removed. I have disputed with XXXX, XXXX  and Equifax and they never investigated my dispute request. I am highly upset because it is affecting my credit worthiness and I have been denied a home. I am asking that they remove the late payments from both /accounts / They are also showing many other inaccuracies in their reporting. the open date shows 2 different dates and the date of last activity shows 3 different dates which are XX/XX/2020, XX/XX/2020 and XX/XX/2020. How can they have verified this account when its still reporting many inaccuracies. please remove this accounts from my credit report. I also saw a new article during this pandemic were this servicer reporting consumers late payments while in deferment, which cinsumers were told they wouldn't be reported late. The article stated that we could dispute with the bureaus to get late payments fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: PA
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  XXXX XXXX  Account # XXXX, XXXX account XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-06
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING XXXX XXXX XXXX XXXX XXXX  XXXX Opened : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX Balance {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, SYNCB/GAP add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2019-05-27
Company: FORD MOTOR CREDIT CO.
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 status incorrect

Complaint:
This account was paid off by my insurance and GAP, never found out I ended up with a balance, but it was paid in a garnishment you will in the attachments that I have disputed this account on its balance and being late which I never was ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
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:
My information is bad

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 2017-08-10
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My case # XXXX was closed, however, I am not happy with Suntrust 's response. It was not until I requested back money that they changed their story from bank error to my error. I have witness that were on the phone with me that heard the Suntrust representative state that it was bank error on multiple occasions. My witness works for XXXX XXXX XXXX XXXX. The Suntrust representatives knew she was on the phone due to all of us trying to figure out what happened. Here is my original complaint : I had a checking account with Suntrust bank. In XXXX of XXXX, an automatic payment to XXXX XXXX was rejected. I realized the payment had been rejected when my insurance was cancelled for nonpayment. I reinstated my insurance and did not know there was still an issue until XX/XX/XXXX. On that date, I got pulled over by an officer with an electronic tag reader and was given a ticket for suspended registration. After several discussions with XXXX XXXX, Suntrust, and myself, Suntrust acknowledged a bank error on their part and acknowledged that the payment should have gone through.

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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
A computer glitch that was TransUnion 's problem caused all of my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I made several calls to transunion with my latest round of calls on XXXX XXXX, 2017. I spoke to several agents, one who even refused to provide me his name, and tried to explain that these inquiries add a hardship and that my rights were violated by TransUnion. Please help me make TransUnion stop victimizing me.

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 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There a collections account on my credit report for {$350.00}. It was originally a national grid account that was closed in 2009. I disputed it with Transunion in XXXX of last year & it was removed from my report. Last month it must have been resold to another collection agency & was re-reported to Transunion. I disputed its validity with Transunion & they denied removal. Transuions response was that it meets FCRA requirements. Is it legal to keep changing collections agencies & reporting false dates on my report? I've tried to resolve with Transunion but it is still on my 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 2020-11-24
Company: EQUIFAX, INC.
State: UT
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 sent out disputes to the credit bureaus multiple times and have yet to receive any correspondence from them. Out of all 3 buraus NONE of them have yet to get back to me or provide any results. I know that with Covid there is a delay but they can not flat out ignore my disputes for the items on my credit I need removed! They still have to legally provide results and respond to me regardless of this pandemic! They are reporting serious errors on my credit file and they need to provide me results.

Company response to consumer: Closed with explanation