BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 ; XXXX and Transunion are reporting duplicate entries on my credit report for the XXXX partial account number XXXX in the amount of {$2700.00}. ( Please see page 2 of the attached credit report. ) This incorrect reporting is harming my credit score.

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 2018-07-25
Company: MIDFIRST BANK
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was hacked by someone who charged around {$1400.00} to XXXX. I tried to dispute this with the bank on XX/XX/2018. I was told that the bank wouldn't do this that I had to contact XXXX to do it myself. So I spent 3 days on the phone with XXXX. Emailing, phone calls etc and finally on XX/XX/XXXX I was allowed to file a dispute. When I went in on the XXXX the teller made the comment that there were so many it was going to take forever to do and so I would just need to do it myself. I went to the main branch on the XXXX and was told that my provisional credit would be in my account within 48 hours after filing my dispute. Mind you I have done research and emailing and phone calling to prove this fraud. I have even provided the bank with all documents and access to my personal email to prove this. Right after I left the bank on the XXXX the VP from the other branch where they wouldn't file the dispute called me from her personal phone wanting to know what I was doing. I told her I just got done signing the dispute papers and she wanted to know with who and why. Truly it isn't any of her business but was weird that she called me right after I left the main branch. I have been calling and emailing the bank daily since this has happened wanting to know what is going on. At first they were talking with me and now no one will talk to me at all. When I call the moneyline number there is literally a note in my account to transfer my calls to this branch over here in XXXX and no one is to discuss this with me. They have been very rude and have made me feel very unvalued as a customer. I have done everything I can to help them and have cooperated fully with them and I am being treated like XXXX. They are ignoring me. Today marks the 10th day since my dispute and I have not received my money back or provisional credit at all. And no one will contact me back! This has caused horrible stress on me. I was told by the guy I spoke with on the moneyline and by a lady with the CFPB that the law is 10 days. I am filing this complaint because I do not know what else to do in this matter. I am very angry as would anyone else be. I am sure I am leaving details out but this sums it up. I do have a lawyer as XXXX XXXX XXXX XXXXXXXX so I know how to do my research. I have been researching and investigating myself into this matter on my end and providing the Midfirst Bank with plenty of evidence and information.

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 2022-03-06
Company: Experian Information Solutions Inc.
State: FL
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 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 attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2019-08-05
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My two home loans were with XXXX. In XX/XX/2019 XXXX notified me that they are bankrupt and transferring my loans to Loan Care. In late XX/XX/2019, Loan Care sent me a loan transfer forms for one of the loans and requested that I pay the first 2 months, since it will take time to transfer automatically. In early XX/XX/2019, I sent them a check for each of the loans. Then I found out Loan Care cashed both checks and also took my money from my account via automatic payment for the month of XX/XX/XXXX. Also XXXX did not transfer my home loan and also took out the automatic payment for XX/XX/XXXX. Thereby I double paid Loan Care in XX/XX/XXXX. I have contacted XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX VA numerous times, sent them copies of both checks and my bank slip. They still have not refunded me my money and always have an excuse. It is in reference to customer ticket XXXX X. 
They never contact me and I am still out of over {$4000.00} USD

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 2018-01-21
Company: EQUIFAX, INC.
State: FL
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 XXXX and Equifax I explain to them that these accounts are not minds they never send me proof of any identification on these accounts even one of them that is an auto car that I never owned I told them to send me A copy of a picture ID purchasing this vehicle and these accounts and addresses all they did is send me an address that I never lived in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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 reviewed a copy of my credit report and I noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and the items listed are the results of someone stealing my identity. The discrepencies that are on my credit report is effecting my personal life in a negative way. This has been a stressful and overwhelming process to get my life back so I am asking for this matter to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2017-11-08
Company: Experian Information Solutions Inc.
State: NC
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 disputed a fraudulent charge on my XXXX report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XXXX to the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After XXXX ruled against me, Experian then followed XXXX XXXX lead I then sought to send XXXX information proving that I never requested XXXX XXXX XXXX i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to XXXX to dispute the charges listed below. 
XXXX XXXX XXXX XXXX is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XX/XX/XXXX First reported in XX/XX/XXXX for collections

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 2017-11-06
Company: BARCLAYS BANK DELAWARE
State: GA
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:
On XXXX XXXX, XXXX an inquiry was made to my credit by XXXX and another to Barclays Bank in DE on XXXX/XXXX/XXXX that I did not request or authorize. My assumption is that these were fraudulent attempts by some third party to open an account in my name since there were multiple inquiries to various companies on or around that date. No one at the card companies seems to be able to help me and keep forwarding me around to various departments. This was my second attempt to try and have this removed from my credit, Luckily no new accounts appear to have been opened but the number of hard inquiries is hurting my credit.

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 2021-10-17
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Last year in 2020 I tried contacting my student loans to get student loan forgiveness and they said I qualified but its still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received the document stating this case was closed so I talked to one of your associates on the phone and told her ocwen does not have the 1099 form for XX/XX/2018 when I have proof they sent it to me thats why I did the complaint over with the forms proving they sent me a 1099 form  which they can not find that they sent me and I had to claim it on the amount they forgave me which I owed federal and state almost {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, My name is XXXX XXXX and I am again writing with concerns about inaccurate accounts appearing on my credit report as accurate. For the past few months & years, I have continually written to your bureau about these and asked that they be removed asap. 

I am now going to file an Attorney General complaint against your company as more of these accounts becomes apparent. Your company has taken part in ruining my credit history and it is about time that it stops today! I demand that you immediately remove the accounts in question and ensure that they never appear again! 

These are the accounts. : XXXX Account # XXXXXXXXXXXXXX - {$4600.00} XXXX Account # XXXXXXXXXXXXXX - {$2900.00} XXXX  XXXX XXXX Account # XXXXXXX - {$1600.00} XXXX XXXX XXXX Account # XXXXXXXX - {$9300.00}

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 2019-04-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
WELLS FARGO HOME MORTGAGE HAS MISHANDLED MY ESCROWS. I APPLIED FOR A MODIFICATION MORTGAGE IN XX/XX/XXXX. DUE TO LOSS OF WORK IN XXXX. I CHANGED HOMEOWNERS INSURANCE IN A ATTEMPT TO LOWER MY MONTHLY MORTGAGE PAYMENT, THE DECLARATION PAGE WAS SENT TO WELLS FARGO HOME MORTGAGE ESCROW DEPT. IN XX/XX/XXXX THE ANNUAL PREMIUM OF {$100000.00} WAS PAID TO XXXX XXXX  XXXX XXXX. ON XX/XX/XXXX  MY REAL ESTATE TAXES WAS PAID TO XX/XX/XXXX XXXX TREASURY DEPT,  {$1100.00}. I RECEIVED A LETTER FROM WELLS FARGO HOME MORTGAGE INDICATING I HAD A SHORTAGE OF {$77.00} IN MY ESCROW I PAID THE {$77.00} OUT OF MY WELLS FARGO CHECKING ACCOUNT. ON XXXX XXXX, I RECEIVED A XXXX XXXX PKG. FROM WELLS FARGO HOME MORTGAGE LOAN IN IT WAS FINAL MODIFICATION AGREEMENT INDICATING I OWED {$1100.00} SHORTAGE IN MY ESCROW. AND THAT MY MONTHLY HOMEOWNERS INSURANCE IS {$140.00} PER MONTH THEY HAVE DOUBLE MY PREMIUM. WELLS FARGO ESCROW DEPT. HAS INDICATED THEY ARE UNABLE TO FIX THIS. MY ANNUAL INSURANCE IS $ XXXX= {$87.00} PER MONTH. THEY HAVE MISHANDLED MY ESCROWS NOW THEY ARE DOUBLE BILLING 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 non-monetary relief
Consumer complaint received 2018-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I live in XXXX with my family like a permanent resident. The Bank closed my accounts and my family 's accounts at the same time, on XX/XX/XXXX.They reported that I would receive my money for 7 to 10 business days, I received only the letter that inform the bank 's decision to close my accounts, but I did not receive my money. On XXXX the XXXX that I was informed by phone that it could take 30 to 90 days from XXXX the XXXX, improperly changing the initial information I need my money.They cause inconveniences by closing accounts unilaterally and do not comply with what they report. Help me please. 
I presented the complaint number XXXX together with my son, you wrote to him saying that he could not present my claim, but they did not solve either of the two complaints, neither he nor 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 monetary relief
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I have filed a dispute letter to all XXXX credit buruaus TransUnion, XXXX, XXXX to validate alleged debts on my consumer file. they Have failed to show me evidence bearing my original signature in a timely manner. They have failed to comply with their own policies a timely manner

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 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I tried disputing a mortgage on my credit report from XXXX Mortgage. We have been in this house since 2008, we the house was bought only my husband was on the loan and the paperwork. I did not work. The mortgage company would not even speak to me or give me information on the mortgage at one point, because I was not on the account. As, you can see the mortgage was just recently put on my credit report as of last year. Why all of a sudden 14 years later, I was told I was a co signer. The mortgage company recently sent us papers for a loan modification, that I signed. Im not sure why my name was on them, as I was not on the original loan. Just because Im married to the owner, that doesnt automatically make me a co signer. When people buy a house, companies do credit check and employment verifications on the buyers. They were never authorized to run a credit check or a employment verification, so who could they make me a co signer to something that I didnt apply for or can afford. I have the original mortgage paperwork and my name is not on it! I want this off my credit report because I did not personally apply for this loan. Please help 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 non-monetary relief
Consumer complaint received 2017-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
1. We sent our credit card payment in full in two months ago. 
2. We received our next credit card bill, indicating that they had not received payment for the previous month and that we owed late fees and interest. 
3. On XX/XX/XXXX, we contacted Bank Of America by phone and they indicated that if we paid immediately with a e-check, they would waive the late fees. We authorized an e-check for the full amount of {$5800.00}. 
4. On XX/XX/XXXX we received an overdraft notice from our bank, XXXX XXXX XXXX in XXXX, Ok. We went on line and noted that BOA had sent an e-check for {$58000.00} ( they had added a XXXX to the amount it should have been for ). 
5. On XX/XX/XXXX, we contacted BOA and after an hour on the phone, they indicated that we would receive our money within 5 business days. 
6. On XX/XX/XXXX we went to our bank, XXXX XXXX XXXX, and filed a complaint with them to get the over payment amount back. 
7. On XX/XX/XXXX, we had not received our over payment back, so we contacted BOA again. After almost 3 hours on the phone, we finally made it to a manger - XXXX XXXX - ( XXXX ) XXXX.XXXX - and he indicated we would have our money back within 3 business days, but should be sooner. 
8. On XX/XX/XXXX, we still had not received our money back, we contacted BOA / XXXX XXXX and he indicated that a BOA Supervisor was not comfortable sending that much money back to us ... so he would not authorize it. He was not sure if or when it would be sent back. 
9. On XX/XX/XXXX, we filed a complaint with the OCC. 
10. On XX/XX/XXXX, we contacted XXXX XXXX XXXX to see what progress they had made in recovering the theft. 
11. On XX/XX/XXXX, we reached out to CFPB and filed this complaint. 

We did not authorize BOA to withdraw {$58000.00} from our account. 
We consider this as Bank Fraud / wire fraud. 
We want our money back and they should be penailzed. 

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 monetary relief
Consumer complaint received 2019-08-05
Company: Santander Consumer USA Holdings Inc.
State: TX
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 consumer auto load with Santander Consumer USA in full on XX/XX/2019. Received letter from Santander on XX/XX/2019 recognizing the account as paid in full. Pay off resulted in overpayment to Santander of XXXX cents ( {$0.00} XXXX. On XX/XX/2019 received a pre-aid bank card from XXXX through XXXX XXXX XXXX. I wasted more than an hour attempting to activate the card and then use it to issue a paper check to me in the amount of {$0.00}. I do not have a relationship with XXXX XXXX XXXX, do not want a relationship with XXXX XXXX XXXX. and did NOT authorize Santander to issue my refund through a pre-paid bank card. There are fees associated with its use. Additionally, I do not want XXXX having access to my personal information including identification numbers and social security information. I didn't authorize the transactions and this is not part of my contract with Santander. I believe that this is a deceptive practice and is illegal without my written consent. There are hidden fees associated with utilization of the card. I only want what Santander owes me and that is the XXXX cent overpayment. 


Nothing in my contractual relationship with Santander allows for payments or refunds to be received from a third party and their privacy policy does not acknowledge that they will share my data with a third party. Additionally, it forces me into binding arbitration unless I opt out in writing within XXXX days. I did consent and do not consent to this as a provision of my contractual relationship with Santander Consumer USA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2017-11-08
Company: EQUIFAX, INC.
State: NJ
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:
XXXX states Equifax changed my report and then reverted it back intentionally. They are harassing me and ruining my credit and blaming others.

Company response to consumer: Closed with explanation