BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
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 fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX  EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian:XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2019-03-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 I went into my bank Wells Fargo In XXXX on XXXX XXXX XXXX XXXX  to withdrawal cash from my account that I share with my daughter. I was then told that my account had been closed. When I asked why I was told that they could not give me that information and I sat with a rep who called into the customer service number. While on the phone with an agent ( XXXX ) from the collections department he also could not tell me why my account was being closed but he stated that they would be sending me a check for the remaining funds in my account. When I asked him for his customer service ID and information he refused to provide this. He confirmed that my check would be sent the follow day XX/XX/2019 and that he would be making notes in my file to make sure things were clear. 

When I called today XX/XX/XXXX to check on the progress of my check I was told by the new rep ( XXXX ) that they could not help me and that my refund check from my tax return ( {$2600.00} ) had been sent back to the IRS and that a check was never issued because my account was closed, When i informed her of the information the last rep told me she responded with a dismissive tone and just kept repeating that I would not be getting a check from Wells Fargo and there was nothing they could do. I asked to speak to a supervisor twice before I was transferred and got the same response from the supervisor. I have yet to be given an answer as to why my account was closed.

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 2019-03-05
Company: PHH Mortgage Services Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a home in XXXX for {$360000.00} and believe I might be the victim of a predatory loan. The loan term was set up to be " interest only '', so making the monthly payments was not an issue in the beginning. I planned on selling the home when the value of the property increased, however, that never happened and the property value dropped significantly ; I became " underwater '' in my mortgage. 

I became XXXX a few years ago and my loan switched to non-interest only my house payment nearly quadrupled. PHH Mortgage was in no way willing to help me avoid foreclosure when I started falling behind on my payments. After much frustration I was able to get assistance from a government approved mortgage counselor in order to stay in my home and make the payments for a year. 

Unfortunately the assistance in which I was receiving from the mortgage counseling service has ended leaving me to fend for myself with PHH Mortgage. I've tried repeatedly to talk with someone at PHH Mortgage about a loan modification and they refuse to call me back or give me any type of assistance as a customer. I've called them no less than 15 times from XX/XX/XXXX - XX/XX/XXXX. They either put me on hold for hours until I finally give up or when I was able to speak with a person was told they could not help me and that someone else would call me back which they never once have done. 

I'm in a dire situation and PHH Mortgage refuses to help. I'm desperate to get my loan modified so I can remain in my home and not become XXXX. I can not pay the unreasonable amount that PHH Mortgage expects due to their predatory lending practices, total disregard/lack of customer service, and my current circumstances. The bottom-line is that PHH Mortgage could care less how financially ruined a customer becomes due to their ignorance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
BANKRUPTCY IS SHOWING ON MY CREDIT REPORT UNDER XXXX XXXX MY LEGAL NAME IS XXXX XXXX, I HAVE BEEN A VICTIM OF IDENTITY THEFT, THIS INFORMATION IS NOT ACCURATE AND IT VIOLATES MY RIGHTS.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 2022-03-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-03-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, I attempt to create a temporary unfreeze and instead the automated service created a freeze that I now can not lift without a newly issued and arriving by mail pin or submitting documentation by mail. So I can not apply for the loan I need now.

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 2019-03-05
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: Old information reappears or never goes away

Complaint:
The reinsertion of previously deleted information is governed under FCRA 611 ( a ) ( 5 ) ( B ). It only applies to information that has previously been deleted based on a finding in a prior dispute that it was deleted due to lack of verification of its accuracy. 
If the information was deleted based on a finding in a prior dispute ( which is shown by the Notice of Results of Reinvestigation sent for that dispute ), then any party requesting reinsertion of the information must include with their proposed reporting a Certification of Accuracy of the information. That Certification effectively overcomes the lack of verification of accuracy in the prior dispute, thus obviating the dispute. 
The reporting party is not required to send any notice to the consumer. That is the responsibility of the CRA. If the CRA does reinsert the information, the CRA must send written notice to the consumer within 5 days advising they have reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sallie Mae dropped the ball with the repayment plan and did not do as they stated they would to fix the incorrect information on my credit and my co-signers credit report. 
When calling to resolve the issue there was a run around, never speak to the same person. Ive reported it to the credit bureaus as a dispute and they deny it and still will not fix the information. 
I have proof that Ive been paying monthly in a repayment plan since the 60 days they claim Im past due. They stated on the phone that this would NOT affect my credit. And lied and it has. I am unable to get a lease to live, or refinance. This is affecting my life negatively over their mistake

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One has inaccurately reported my account with a balance of {$580.00} dollars. It accurately reports there were no late payment and the account was closed in XX/XX/2018. My credit report is showing this account as a charge off. Please investigate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion fails to remove {$200.00} XXXX closed account charge off. I contacted XXXX to address this issue and theyre trying to charge more money than amount due. Credit agency fails to remove this off 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 2018-05-06
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Winn law group sent me a letter stating they want to levy my bank account after I asked them to stop contacting me. They sent me a letter they would cease all collection activity just a few months ago. Now they want to levy a bank account I don't have. lol. Good luck to them. They just keep harassing me at this point. They need to get shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
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: Their investigation did not fix an error on your report

Complaint:
I disputed a collection on my reports from XXXX XXXX in the amount of XXXX. The company XXXX XXXX XXXX XXXX sent back several documents that prove they can not provide me with actual ownership of the debt. 

I contacted XXXX XXXX and informed them that they breached their contract by sending this debt to a collection agency when I have rights to arbitration. The arbitration clause has been violated. I was informed to ask XXXX XXXX to provide a bill of sale or ownership sale of this account from XXXX XXXX to XXXX XXXX. I have not received that. What I received was a Promissory note from XXXX XXXX, where the arbitration clause is apparent and clear. Also I was provided an account Summary report created by XXXX XXXX XXXX. XXXX XXXX XXXX has NO legal right or authority to collect on this debt due to the arbitration clause of this contract. XXXX XXXX is in a direct violation of the FDCRA. This collection is still reporting on my credit reports. 
Also I have become aware of numerous class action lawsuits for this very same thing. 
I want this collection removed from my reports immediately. Please see the documents attached.

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 2021-05-30
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this Jefferson Capital about two XXXX accounts they reported to all 3 credit bureaus that were not mine. I never had XXXX phone service, and they sent me letters and told me on the phone the debt would be removed from my credit report, It was removed on XX/XX/2021, XXXX XX/XX/2021 it was back on my credit reports. I am disputing this again with credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Accounts Receivable Consultants Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a medical debt ( that I do not dispute that I owe ). The current balance is {$150.00}. I have been making XXXX monthly payments and I continue to get repeated phone calls where they are leaving harassing voice mail messages. 

They called : XXXX XXXX XXXX My last monthly payment was {$25.00} on XXXX which was cashed by the company. 

I have always returned the phone call to a person who says their name is XXXX XXXX. 

Every time I speak to her she gets REAL NASTY and threatening me she is going to call my employer ( which is ignorant on her part since I do n't work ). And that even though I am making monthly payments " That is not good enough '' and " She is going to report me to the credit bureau and ruin my credit ''. 

I am making my monthly payments, returning their calls unlike most people that probably just avoid them and I am still getting harassed ( 3 times so far in XXXX month ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Tried over one week to reach company about letter they sent to me. I had the company on hold as I was in midst of sending this complaint, however, someone finally answered the phone for customer service at Freedom Mortgage.

Due to the " virus '', all employees are working from home. My complaint was a serious matter and everything is settled { for now }, so I will end this complaint. 

Thank you, CFPB, I do appreciate you being here for us, it gives an individual peace of mind knowing you work as a voice to the consumer. I have come to you before with a different mortgage company and their shenanigans ; after hearing from you, matters were corrected!!!! Thank you again, 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 2023-01-30
Company: Experian Information Solutions 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:
On XX/XX/XXXX I sent an identity theft report and a certified letter to Experian that was delivered XX/XX/XXXX. The report was disputing XXXX unauthorized and fraudulent inquiries, and the letter was to update my personal information. On XX/XX/XXXX I received an email response from Experian showing that they deleted XXXX inquiry, and updated my personal information. However, on XX/XX/XXXX I received a copy of my consumer report from Experian dated on XX/XX/XXXX showing the fraudulent inquiry still reporting. This is a violation of 15 USC 1681c-2 ( a ) for refusing to block information resulting from identity theft, 15 USC 1681b ( a ) ( 2 ) for furnishing a consumer report in accordance with the written instructions of the consumer to whom it relates, 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, and 15 USC 1681n ( a ) for willful non compliance of deleting unauthorized items from my consumer 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 non-monetary relief
Consumer complaint received 2021-05-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX XX/XX/2021 I believe Citizen 's bank has one of the worst online banking system available. It is slow, often does not work correctly, and takes excessive time to post updated balances and deposits.I have MANY online accounts ( and broadband ) and this is by far the absolute worse. I also believe that this is a systemic problem from which they directly profit financially. 

I recently made a deposit for a loan payment and it didn't even show up in their system until days later. This has happened several times before and it makes duplicate payments inevitable. When the Citizen online system burps, they pile on fees ( overdraft, sustained overdraft, or whatever ) and have habitually returned the fees. I believe they know their system is terrible. 

They recently assessed XXXX {$100.00} in fees ( again for a duplicate payment - deposits fail to post until days later ), and returned all but {$30.00}. I want my {$30.00} back. I simply can not be responsible for Citizen 's arrogance, poor online banking system, and virtually non-existent customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
To whom it may concern, On XX/XX/2021 I visited XXXX around XXXX, the server was friendly and courteous. I ordered the chicken basket, fish basket for my spouse, a XXXX drink for me and a beer for my spouse. The service was good, however when I got home I started feeling stomachache and I started having XXXX  for two days. At the moment of service and when I left the restaurant I was feeling great and didnt have any stomachache or pain. I contacted XXXX through XXXX and XXXX XXXX from customer service replied to my concern and she didnt wanted to accept responsibility and as you can see in the screenshot I provided she ignored my complaint and didnt not responded back to me. Its outrageous thats this restaurant takes to much pride to accept their mistakes and the fact that I was ill for two consecutive days after consuming their food. I would not pay for a service or food that got me sick. I created a claim with Bank of America and I was provided a credit, however I received a letter today to the message center that states that the transaction is valid and that Bank of America would remove the issued credit. The transaction is valid in fact, I never said otherwise. My concern is that after I went to this restaurant I started having stomachache and I had XXXX  for two consecutive days. I have been to numerous restaurants in the past and I have never had any problems like I had at this restaurant. I was reviewing the reviews when I started feeling sick and I wish I had done that before. XXXX XXXX responded to my message and stated that they have never received any complaints for their food and I attached several reviews of complaints regarding health food issues at this location.Thanks for taking the time to review this matter and I just want my refund. 

Respectfully, 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 2022-04-03
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
I had items stolen form me and filed a police report as well as a FTC report letting everyone know that I was a victim of ID theft. I tried getting the information off my reports but XXXX and XXXX refused.

Company response to consumer: Closed with explanation