BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have a fraudulent account on my report, both XXXX and XXXX. I have filed a police report and was sent to Bank of America, XXXX and XXXX. I also filed a FTC report and send it with requested documents to the companies mentioned above. They did not remove the account and they are saying that the account belongs to me ( and thats what the creditor said ). I have been dealing with this issue for the past 2 years. I have done everything I asked to do including : 1- police report 2- FTC report 3- dispute the account with creditor 4- dispute the account with credit bureaus 5- submitted supporting documents 6- submitted identifications documents Bank of America is claiming the account is mine, I have never had this account with them, once I new about the account at the time I as applying for a loan I contacted Bank of America and reported this fraudulent account . I also went to the bank in person as I was instructed and followed all Bank of America procedures to remove the account with no luck. 

Account number 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 2019-09-27
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
When will this bank approve me and not closed my account they treat me horrible when I get approved their XXXX fraud department shuts me down immediately its not fair I cant use my card once approved I have applied for a secured card even and they wont approve me their crazy also I asked them they would offer contactless technology on their cards tap pay feature it makes the checkout more convenient as many banks are starting to add this feature next to the chip you tap it instead of inserting the chip its more secure they said they dont know such old technology time for this bank to update their card technology as other us banks

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 2022-01-21
Company: CCS Financial Services, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI CCS CREDIT COLLECTIONS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 reviewed my Consumer Reports and noticed that I had multiple accounts opened in my name when I was incarcerated. I have provided proof to the creditors and they have refused to respond. I will provide proof that I was XXXX  from XX/XX/XXXX until 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 non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted to resolve this matter with these credit reporting agencies for the past five months. These fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been violated and my next steps are to take this case to federal courts for the misuse of my identity.

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 2019-12-27
Company: BARCLAYS BANK DELAWARE
State: CO
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:
I have a XXXX Mastercard issued by Barclay Bank that was issued in XXXX  in 2019. 
Someone evidently called Barclay and asked for a replacement card XX/XX/19 and it was sent to them at another address that is not mine. I never asked for or received the second card. The person then took the card to XXXX XXXX in California and tepid to da a can advance withdrawal which was denied and then they tried again evidently using the chip on the card a did a cash advance for {$4500.00}. which went thru on XX/XX/19. 

I notified Barclay after I received my statement that this was fraudulent. I put a stop on the card ending in XXXX and they sent me a new replacement card ending in XXXX which I received XX/XX/19. 

I was notified on XX/XX/19 that they were stopping the investigation because they thought I couldn't prove it was me. 

I asked them how could they send a request for a replacement card to a different address in a different state without verifying with me. I also asked how could a bank give a cash advance without proper identification. 

After must frustration they have reopened the investigation on XX/XX/19 but as of today XX/XX/19 they have not resolved my issue. 

I have filed a IC3 Complaint and I have filed a Police report with the XXXX, CO police department officer 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 2019-12-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I added XXXX XXXX as a new payee to my automatic bill pay on my TD checking account. I schedule monthly payments of {$2800.00} to pay my mortgage to XXXX XXXX. On XX/XX/XXXX TD Bank paid XXXX XXXX XXXX {$2800.00} which I saw on my mobile app. I called TD to report the error. I was told by TD customer service that XXXX XXXX  was not a payee in my bill pay which I confirmed on my mobile app. I spent an hour on the phone which ended in TD Bank saying there is nothing they could do to retrieve my money. I was instructed to call XXXX & XXXX. On XX/XX/XXXX XXXX XXXX XXXX confirmed I have a {$2800.00} credit on my account but said they can not return my money. They instructed me to call TD Bank. On XX/XX/XXXX TD Bank said there was no system error on their part. And they said customer service was wrong during our phone call on XX/XX/XXXX. I was told that XXXX XXXX is a payee in my bill pay and has been since XX/XX/XXXX. And they repeated that no error occurred. This part concerns me most because it appears to be a lie. XXXX is STILL NOT showing as a payee on my account. I have screen shots to prove that XXXX XXXX is still not there as of XXXX XX/XX/XXXX. I think there was definitely a system error on TDs part and now they are lying about what they have discovered in order to cover up the problem. In the meantime, I still need the {$2800.00} that XXXX XXXX XXXX has refused to return in order to pay mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX around that time, I had a disagreement with my ex and he stole my bank of America debit card and deposited a fake check into my account which the money never went through everything was canceled by the owner of the check I'm guessing. My account was closed for something I didn't do and for something I was not aware of and I want to clear my name

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 2023-07-19
Company: Experian Information Solutions 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 credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.

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 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX has requested deletion of an unconfirmed balance from the main credit bureaus as they stated they would on XX/XX/19. However, Transunion will not acknowledge receipt of the request and would like for me to file yet another dispute which was done originally on XX/XX/XXXX. The {$500.00} with XXXX for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion was notified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of these inquiries. Transunion was submitted the dispute and the police report, i also called them on 4 occasions to notify them. They have refused to remove these fraudulent inquiries. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX  XXXX ( Finance ) XX/XX/XXXX CAPITAL XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: EQUIFAX, INC.
State: GA
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:
Because I was a victim of identity theft, I visited the FTC website for assistance, did some research and also consulted with a trusted friend. I followed all their advice which included contacting the proper agencies ( courthouse, XXXX, FTC ) before reaching out to the credit bureaus. I filed an identity theft report, filed a police report, froze my credit bureau accounts, and reached out the the data furnishers providing the negative information. I then provided all this information to the credit bureaus. But after several attempts, I have not been able to remove the errors on my report. The bankruptcies are still reporting even though the courthouse states that they do not provide this information to credit bureaus. And I could not verify that information through the courthouse either. I am not sure why 2 bankruptcies that are not mine are still reporting on my credit. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: PLANET HOME LENDING, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Plant Home Lending decided on their own to pay our property taxes on an annual payment when we decided to pay them in installments. The decsion to pay in installments was made at the closing table, we signed a form for this to happen. Now that they decided to pay in annual payments they have increased our mortgage payment from {$1500.00} a month to over {$2000.00} a month because of the escrow shortage they created. 
We have been calling them and talking to their escrow department since early XXXX of XXXX. Property taxes arent due till XX/XX/XXXX, semi annual payments due XX/XX/XXXX and XX/XX/XXXX. We have been calling customer service and their escrow department every 7-10 days that is becasue they said they were working on a resolution and it will take this long to process. it has been over 60 days as of XX/XX/XXXX. Our last call was on XX/XX/XXXX and they stated that the escrows are now setup for the semi annual installment plan. Now as of XX/XX/XXXX Planet Home Lending decided to at some point on the XXXX of XXXX to make the full payment. Planet Home Lending has now created a financial hardship becasue they couldnt correct a mistake they made for over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing to address a pressing concern regarding my credit report and its accurate representation of my credit history. 

In response to a previous complaint lodged with the Consumer Financial Protection Bureau ( CFPB ), XXXX conveyed that Capital One, the creditor in question, verified the correctness of the current and prior payment history. Despite this verification, my XXXX credit report is conspicuously missing this critical revolving account and the associated credit history. ( " CAPITAL ONE THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY '' taken directly from XXXX 's response ) I took the initiative to provide a comprehensive history of this account, from its inception in XX/XX/XXXX to XX/XX/XXXX, furnishing all the necessary documentation. However, I was disheartened when XXXX declined to update my payment history and, to my disbelief, purportedly removed the file, despite acknowledging their communication with Capital One regarding the payment history. 

I am compelled to resubmit a complaint containing every monthly statement from the account 's initiation until XX/XX/XXXX. This marks the second instance of presenting XXXX with the indispensable information needed to accurately update my credit report. 

The distress caused by this ongoing ordeal is palpable, affecting not only my health but also my creditworthiness, amplifying financial strain by hindering the growth of my financial profile. 

I urgently seek a thorough review of this matter, prompt rectification of my credit report to reflect the accurate credit history, and swift confirmation of the resolution. 

To ensure transparency and collaborative resolution, I am including Capital One in this communication. I have diligently furnished every monthly statement from the account 's inception in XX/XX/XXXX up to XX/XX/XXXX, as evidence of the accuracy of the payment history. It is perplexing and concerning that my efforts to rectify this issue have not resulted in the anticipated update of my credit report. 

I kindly urge both XXXX and Capital One to collaboratively review this matter comprehensively. Accurate credit reporting is paramount to my financial standing. 

Thank you for your immediate attention and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I needed to file for bankruptcy. This was due to a hardship and fell behind a couple of months during my loan with XXXX. On XX/XX/XXXX, I had the bankruptcy discharge in the amount of {$33000.00}. The amount included my late payments, lender fees, attorney fees and interest ( Attachment 4 ). 

Sometime at the end of XXXX, XXXX sold my loan to XXXX. When XXXX received my loan and I started to get mortgage statements, they wanted to charge me interest for 1172 days delinquent in the amount of {$92000.00}. Since I had made every payment during and after the bankruptcy, I questioned them about this ( also contacting my bankruptcy attorney ) to find out why I was charged interest during the bankruptcy period. ( See Attachment 1 ) On XXXX XXXX, XXXX I received a breakdown of payment history that included {$410000.00} of delinquent interest. After contacting my bankruptcy attorney, I was told that they could not charge me interest during my bankruptcy payback period since my regular mortgages were paid on time. 

At this time I owed approximately $ XXXX on my mortgage. When XXXX sold to XXXX the amount owed on the mortgage went to {$260000.00}. I contacted the Department of Banking. I was told XXXX informed them I did not have hazard insurance, even though I did, and that is what the fees were for. DoB informed me that XXXX had a lawsuit for just this issue, which I knew, and had actually filed a suit with ( Attachment 2 ) was provided proof of this, and in XXXX of XXXX I received a statement saying I now owed XXXX, not XXXX. Some improvement - but still not correct. 

XXXX then had me sign a HAMP for $ XXXX because if I did not, my payments of $ XXXX would go to over $ XXXX. 

Then XXXX was bought my Mr. Cooper in early XXXX. In XXXX of XXXX I received my first statement with additional Lender Fees of {$22000.00} ( Attachment 5 ). 

I have been asking for over 3 years for a breakdown of these " Lender Fees '' and sending documents of everything they have asked of me - multiple times. 

I even inquired about refinancing with Mr. Cooper, and ironically,, they said they would drop the $ XXXX but my payments would only decrease by $ XXXX. 

I decided to go with someone else, and ironically, after another mortgage company asked for a payoff amount in XX/XX/XXXX, I received notification on XXXX XXXX that they are selling my mortgage to XXXX XXXX XXXX XXXX. 

I am at my wits end. I can not get a straight answer and nothing is adding up. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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