BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2021-11-10
Company: Nelnet, Inc.
State: CA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These accounts are reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Below are the list of accounts that needs to remove : DEPT OF EDUCATION/XXXX XXXX Balance : {$6200.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATION/XXXX XXXX Balance : {$2900.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: U.S. BANCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Approximately a year ago I returned my lease and payed my additional prescribed settlement fees that wee imposed by the dealer. Received my settlement paperwork and a few months went by I started to receive paperwork from us bank that I owed more money. I called the car dealer and my salesman informed me that a mistake was made on there end. I called us bank and a representative informed me that these accounting eras happen often now I requested a breakdown of the fee to pay and us bank will only send me my original contract with no identifying cover letter. No transparency has been offered from XXXX XXXX in XXXX Nj or US Bank

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 2021-09-08
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I turned my lease in at the end of XX/XX/XXXX. There was some paint damage that I filed an insurance claim to cover. The insurance company approved the repairs of just over {$11000.00} and we paid insurance to then pay them to fix the damage. We were told everything was completed and done. About a year later, sometime in XX/XX/XXXX, I got a notice from my credit report that I had a delinquent account and I checked and it was for Ally Financial, who I had the lease with. They were saying that we owed almost {$20000.00} on the lease we turned in. We called them and they could not explain why we owed the money. From then until now ( XX/XX/XXXX ), we have been on the phone from hundreds of hours with Ally trying to figure out why we owed this money. They have updated the credit report several times with many different outcomes over the last year+ including charged off, repossessed, payments missed, current, and everything else in between. Over this time period, we have only received 2 letters in the mail from Ally, both with conflicting information and amounts we owed. They have never contacted us via phone, email, or mail otherwise. My credit score has been damaged as a result of this, going from around a XXXX down to below XXXX and now back up to XXXX. I continuously call and talk to different people and no one has an answer and can not understand the notes on our account. Sometimes we get someone who promises to figure it out and get back to us and never does. We have spent almost every day off we have had in the last year trying to call and get an answer with no resolve. Today, I received a letter in the mail saying that we owe {$6200.00} and that they are willing to settle the debt. I still have no explanation as to what this debt is for and why we owe it. Can you please help us?!

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 2017-10-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted my loan modification paper work by the XXXXdeadline with no response yet. Sale date set for XXXX/XXXX/XXXX. In addition, the amount that is outstanding on the NOD is incorrect with numerous attempts to resolve with no resolution. 

XXXX XXXX has an insurance check for $ XXXX which approx {$460.00} for XXXX cleaning on the house - the balance to be applied to the mortgage but they have not done anything. Except keep asking for documents they received over and over from the XXXX XXXX XXXX ( e.g. Proof of Insurance, XXXX etc ). 

They are not deducting the {$4000.00} from the outstanding balance. 

Not sure their intention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made an online transfer monthly mortgage payment of {$2300.00} from my Wells Fargo checking account to my Wells Fargo mortgage account. Before submitting the payment, I confirmed the amount. Moments after making this online transfer, I received an email from Wells Fargo stating that my checking account had fallen to a XXXX balance, which triggered an interest-bearing credit advance from my credit card to cover recent transactions. When I made my first of several calls to Wells Fargo bank and Wells Fargo mortgage, I was told that my account fell into negative balance due to a {$4700.00} payment " I '' had made to my mortgage account today. I pulled up my mortgage account which shows the following : Balance Details Next payment due on XX/XX/XXXX Next payment details {$2300.00} Last payment received XX/XX/XXXX {$2300.00} When I called Wells Fargo mortgage, they confirmed that a duplicate payment had been made into my mortgage account. I did not make this payment, nor did approve this duplicate payment. I spent over two hours on calls with Wells Fargo bank and mortgage representatives, with both sides saying that the other initiated this duplicated payment. I was initially told that it would take approximately 2-3 business days to return the duplicate funds into my account and reverse the interest-bearing cash advance from my credit card. Then, in my most recent call with WF bank, I was told that it may take up to 10 business days to return these funds that I did not approve Wells Fargo 's moving from my account. In the meantime, I have XXXX funds in my account to cover bills due next week, and groceries I had planned to buy this weekend. I need immediate resolution of this issue ( reference number XXXX with Wells Fargo ) and a full explanation as to a ) how this happened, and b ) how Wells Fargo thinks a customer will wait up to 10 days to have their unapproved transfer of funds restored to their 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 2020-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
As of today XX/XX/2020, I noticed my Bank of America account was $ XXXX. Apparently a hold was placed on my account for no reason and I had no notification of it doing so. Please help me get my money back because my paycheck just got deposited there tonight and theres no need to freeze or put a hold on 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 non-monetary relief
Consumer complaint received 2017-10-26
Company: National Collection Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. I have no signed contract with National Credit Management. I have never done business with this company, and therefore am not obligated to pay on this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
ITs incredible simple, The bank Suntrust changed to truist. They refuse to let you pay online without a checking account, I have several checking accounts and am not opening another one. So I had a payment book, they sent a 1 year payment book and at the end of it with every payment being made on time, I have been waiting for 2 months since my last payment was made and they DO NOT have any customer service reps available to help me. Phone support has had me on hold for over 4 hours at 2 consecutive intervals. They changed phone menu so I can not pay over the phone. I've never had a bank send me a 1 year payment book for a 5 year loan, that already makes no sense. Then I've never had a bank just outright never send a payment book and have the audacity to charge me late fees. Its like they are using a tactic to repo my vehicle so they can sell it at inflated current prices.

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 2021-11-10
Company: EQUIFAX, INC.
State: CA
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:
I am XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon analyzing my updates, fallacious information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX - Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: AZ
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- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My experience with the store XXXX XXXX in XXXX has been the most infuriating and I was tricked into getting a Home Depot credit card. My boyfriend and I recently purchased a house and needed a washer and dryer. I already have a Best Buy credit card and they had a promotion for 36 months interest. We were going to purchase them from Best Buy, but when we went into this store on XXXX/XXXX/XXXX, we were informed by an appliance employee that if we applied for the Home Depot credit card, we could get {$600.00} off a better ( and more expensive ) XXXX set and the next day was the last day of the sale. I was also informed that delivery was typically 2-3 days. The next day, after I got approved for the credit card, I came back to the store to purchase the XXXX set. After about an hour and a half the same appliance employee could not figure out why the {$600.00} was not being deducted. Another 30-45 min goes by and he tells me he finally figured out that the {$600.00} only applies to the washer and dryer if we purchased all kitchen appliances as well. Heartbroken that now Ive fallen in love with this XXXX set, I ask to speak with a manager. The manager only speaks with the employee over the phone and agrees to take {$350.00} off. When he comes to perform an override on the system for {$350.00} off, he is on his phone and does not even acknowledge my presence. All in all, after being at this store for almost 3, maybe 4 hours and paying about {$300.00} more than my budget, I was ready to get out of there and finish painting my new house. Instead of the normal 3 days, I didnt get my set until 6 days later XXXX/XXXX/XXXX. They showed up with a XXXX set so I refused the delivery. I went back into the store and spoke with the delivery manager. She said she could try to find the sale price on the XXXX set so I waited again for about another 30-45 min. She said she could give me the sale price for the XXXX set but she couldnt give me the additional {$350.00} off. I again waited to speak with a manager. This time the department manager said he couldnt take {$350.00} off and he was off the day I made the original purchase. He stated that he would not have approved the discount if he had been working that day. He did not offer any solution to the problem, and didnt care that his associates were misleading and giving out incorrect information to customer. After getting my refund, I left with no washer and dryer and only the feeling of being tricked into a Home Depot credit card.

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 2017-10-26
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XXXX XXXX of 2017 I contacted Navient about options for lower monthly payments. I could never get in contact with them and they offered no solutions for me. It is not possible to contact them online through your account and it would say to call them. When you call them you get out through an automated service that leads to a dead end. I eventually had to go to the government loan website and apply to re consolidate and get lower payments. I chose to keep them with Navient, because 2 or 3  years ago when I re consolidated my private loans from navient ( XXXX XXXX at the time ) to XXXX XXXX. Navient lied to me and said they never got payment, when XXXX told me yes they had written the check to them a week before. So I ended up making another monthly payment to XXXX XXXX/Navient when they had it all payed in full from XXXX XXXX. I have never had good experiences with them and they have never been honest with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: MN
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Freedom Mortgage Company
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Refinanced home loan. Was told that we were getting a escrow refund and it was going to go towards XX/XX/XXXX mortgage payment. We normally have it auto paid. XX/XX/XXXX the slate fee was attached of just under XXXX dollars. We called and emailed and by XX/XX/XXXX the fee was reversed. XX/XX/XXXX payment auto payed and loan was closed and paid in full. New loan Mortgage statement recvd. Statement date XX/XX/XXXX with a due date of XX/XX/XXXX. We were told there credit bureau would be notified immediately of the mistake and it has not been removed

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 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

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

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 2021-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
Bank of America XXXX XXXX has been fraudulently charging me multiple times for a rental car transaction that was intentionally and criminally charged to my card in XXXX XXXX. BOA has not only not worked to resolve the problem but has compounded it by erroneously /fraudulently charging me double the original charges. I have called BOA multiple times, with many lost hours and even visited a BOA branch twice, trying to get BOA to at the very least correct their mistakes. To date I am being falsely charged a total of {$1000.00}. Please help me to recover this money. The following are the fraudulent charges. The XXXX statement information shows partial credit by BOA, HOWEVER, the company retracted these credits, not once but twice in the XXXX statement. 
XX/XX/XXXX Statement : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX RN XXXX XXXX {$440.00}. 

XX/XX/XXXX Statement : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00}. 

XX/XX/XXXX XXXX : XX/XX/XXXX FRAUD DISPUTE XXXX XXXX - {$29.00}. 
XX/XX/XXXX FRAUD DISPUTE XXXX XXXX - {$440.00}. 
XX/XX/XXXX FRAUD DISPUTE XXXX XXXX - {$440.00}. 

XX/XX/XXXX XXXX : XX/XX/XXXX FRAUD DISPUTE XXXX XXXX {$440.00}. 
XX/XX/XXXX FRAUD DISPUTE XXXX XXXX {$440.00}. 
XX/XX/XXXX FRAUD DISPUTE XXXX XXXX {$29.00}.

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 2020-12-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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