BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: Flagstar Bank, N.A.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We decided to use a mortgage broker to help us find a mortgage for our first house. Our loan officer decided to use Flagstar Bank. The loan was submitted to underwriting around XX/XX/2020. With a closing date of XX/XX/2020. Around XX/XX/XXXX, we found out that Flagstar was running over a month behind and had not even looked at our loan yet, and was about two weeks away from starting the process to get us conditions on our documents for the loan. 
At this time with advice from our Loan Officer, we decided to switch to a new program from another bank. The new bank was willing to help us try to meet our closing date of the XXXX and rushed their processing. We got our conditions back quickly and were able to get everything they wanted from us turned in. The one condition that was left was to get the appraisal transferred over from Flagstar. The request to Flagstar for the transfer was made on the XXXX of XXXX. Payment for the transfer was received by Flagstar on the XXXX of XXXX. Flagstar 's policy was to transfer the appraisal in XXXX Hours. It is now the end of the day on the XXXX and they still have not transferred the appraisal. This is the only document we need to close, and we have been waiting for it for over a week. We would like Flagstar to make good on their own policy for transferring the documents we need to close on our house. We paid {$500.00} for the appraisal, and {$250.00} was paid by the loan officer to transfer the appraisal. 
Our loan officer has been very diligent in contacting them every day to try and find out what is taking so long. It's now the end of the month and this delay is going to cost us more money because we have to find other rental options while we wait for them to transfer the appraisal.

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 2018-12-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX XXXX  XXXX The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: MI
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:
The credit bureaus have updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Fidelity National Information Services, Inc. (FNIS)
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 have been a victim of identity theft by someone whom I do not know. I am unsure how long this has been going on. This is severely impacting my financial wellbeing. If you see any suspicious activity, this was not done by me. Bank accounts were open in my name. I contacted XXXX and they did not remove the fraudulent 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 explanation
Consumer complaint received 2022-10-04
Company: MSCB, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me over and over and over. Ive told them could they not call me during my work hours. I work on the phone and them steadily calling me is a distraction. 
Theyve called me XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today. Ive already sent them a cease letter as well as a debt verification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 and update them immediately in my report : 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 Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am having a problem with a car loan reported by XXXX XXXX. The account shows an erroneous 30-day late payment for XX/XX/XXXX. 
In XX/XX/XXXX, I disputed the 30-day late reported by XXXX XXXX to TransUnion. I reiterated the reporting was inaccurate ; my payments were never more than 30 days late, etc. The dispute results from Trans Union came back stating that the account had been updated to reflect no late payments and the 30-day late payment. 
Trans Union provided me with a copy of my corrected report showing the account was updated and now showed no late payments reported by XXXX XXXX. Since this was the only negative item reporting to my credit, I went on to try to apply for my loan once it was corrected. However, it seems that the late payments were reinserted without my knowledge, some time after it was initially corrected. My understanding is that the FCRA requires written notice of reinsertion of previously-deleted negative information within five days if a negative comment or history is reinserted after it has been removed. At no point was any such notice provided. 
I was never given any notice that the rectified erroneous late history would be re-reported, and wasnt even aware that was something that could be done at all! How can this company verify that my payments were never late, fix their reporting of it, and then turn around to report the exact same false information again? How did Trans Union allow previously-deleted information to be reinserted?

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 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was first contacted by a company called XXXX XXXX XXXX claiming I had a debt never paid to capital one through XXXX XXXX. I contacted both banking institutions as well as my credit report to find no such debt is owed to any of those companies in my name. Then a new company called XXXX XXXX group claiming I refused to settle with the collection agency XXXX and they are a mediator that helps me get the debt paid without judgment and jail time. Again today I contacted all banking institutions they stated i owed money to and was cleared bye those companies of owning any debt to them. It is harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-10-28
Company: EQUIFAX, 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:
Equifax is aware of me being a victim of identity theft and fraud, as I have reported to them and the CFPB. I have requested that they remove XXXX  XXXX XXXX from my report. I requested that Equifax remove XXXX  XXXX XXXX with a complaint through the CFPB over 30 days ago and they still have not responded and they still have not removed XXXX XXXX XXXX. Equifax has been negligent in responding to my complaint to the CFPB and therefore, I request that they remove XXXX XXXX XXXX from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07
Company: EQUIFAX, INC.
State: TX
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 is incorrectly reporting me past due on the XXXX   account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The credit bureaus have updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. TRANSUNION  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. TRANSUNION failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.

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 2019-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Timely filed a billing dispute with the credit card company under case number XXXX for {$73.00} billed on XX/XX/19. Specifically, I already provided the company with specifics to complete the dispute processing. They were informed that someone logged into my online account and utilized my login credentials to impersonate me. The merchant already has blocked and closed the account. Credit card company produces a letter backdated on XX/XX/19, and received by me on XX/XX/19, advising me to call and discuss. Nothing needs to be discussed, the dispute is valid!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$4000.00} in direct deposits for three consecutive months. On Wednesday, XX/XX/2020, I reached that objective, and decided to wait an extra month because the fine print it says it can take an extra 30days for the bonus to show up in your account. I waited and still haven't received the bonus so on Thursday, XX/XX/2020 I called Wells Fargo to inquire about when I would receive the {$400.00} bonus. The supervisor rep I spoke to said I definitely qualified for the business after looking at my account, but due to the covid-19 the bonus has been delayed up to 45days rather than 30days. So she told me I should receive the {$400.00} bonus XX/XX/XXXX. XX/XX/XXXX has arrived and I still haven't received the bonus so I called back and and a customer service rep said I didn't qualify for the bonus because I didn't make the correct deposit and so after hearing that I was so upset because the supervisor I spoke to said I did indeed make the {$4000.00} deposit which made me qualify for the bonus. I told the woman on the phone to please listen to the recorded call so you can hear that your own supervisor told me I qualified. So we did an whole investigation that took two weeks and on Tuesday, XX/XX/2020 the final results was XXXX XXXX Wells Fargo Executive explaining to me that I was correct about her telling me that I did qualify for the business after him listening to the call but I still didn't make the right deposit so therefore I can't receive the bonus. I was so distraught because my money was on hold for 4months during this pandemic and to be told I won't get the bonus after I was told that I would was a kick in the face. I was misinformed and all he said was " it seem she didn't even look at your account. '' how unprofessional is that, they deserve to do the right thing. This is not a time for them to be fooling around with money for any customer.

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 2019-03-04
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I called in to Ally Automotive 's automated call center on XX/XX/XXXX to make the final payoff on my XXXX XXXX XXXX. I was quoted a payout amount of {$1000.00} through the automated phone system and directed to XXXX XXXX to make my final payment. I did so the same day. When I called on XX/XX/XXXX to inquire about getting my payoff letter and title, the same automated system quoted an amount around {$150.00} to complete my payoff. I asked to speak with a representative, and then a manager. I got a polite but incomprehensible explanation of why the amount quoted by the automated system was not truly the total payout due to complete my contract. 

I made final payment on XX/XX/XXXX and recorded the conversation with the Ally representative in which he gave me the amount due to close my account and assured me that no further payments would be due. 

I believe that Ally 's automated system is misleading, and that they are being deliberately opaque in order to bilk customers for additional payments at the end of their loans.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had me send {$870.00} and then {$1000.00} as payment for a non-existent puppy to an account in the name of XXXX XXXX via XXXX transfer. Once I found that the puppy didn't exist, the next day, I contacted my bank and asked them to stop payment. They said they tracked the payment to an existing bank account and that they froze the account until the money could be sent back to me, but nothing has happened since the transfer date of XX/XX/22. I also sent {$1000.00} in gift cards to cover the " rental '' of a new crate at the airport they said was insufficient for his travel and that it would be refunded at delivery, but they demanded XXXX gold gift cards that can't be recovered as I understand it.

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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my XXXX XXXX XXXX XXXX charged off balance of {$13000.00} with all three credit reporting agencies ( XXXX, XXXX, and Trans Union ) that this debt was forgiven. I included a 1099C form confirming this status and the credit reporting agencies did not update the status that this debt has a {$0.00} balance, and forgiven. I am requesting that you investigate the lack of investigation from the credit reporting agencies due to this dispute so that they do their job accurately.

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 2021-05-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I asked XXXX  and Experian for a investigation for XXXX XXXX and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX  and that is fraud

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