BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
three times I sent letters about incorrect listed information on my credit reports. 
All three bureaus completely ignored my request to validate the information. Never provided with Method Of Validation .Didnt even reply to my requests.

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 2018-12-22
Company: RR Resource-Recovery
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On my XXXX XXXX keeps coming up 2 separate in collections for {$30.00} dollars from XXXX XXXX XXXX. This has been paid. And is effecting my credit score. Also is there anyway of removing previous credit cards from my history report that have been closed for the over 7 years. Im trying to increase my credit score. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2016-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
A few years ago I opened FREE checking account in Bank Of America, in XXXX, Oregon. I had to follow few simply rules as not using teller services, only ATM, and I pad no fees. Few weeks ago I have noticed that while still following rules I agreed, I was being charged {$12.00} per month fee for having this account. 
I called, I visited in person and was told that type of free account I opened do not exist anymore. I closed my " free '' checking account immediately. 
Bank of America used " bait and switch '' tactics in order to trick a lot of consumers, I supposed, into paying monthly fees. 
I have no idea for how many months I was paying $ XXXX monthly fee without my knowledge, but I am quite sure I ma not the only one who was tricked by BofA ( in Oregon at least ). In my opinion switching free account into $ XXXX monthly fee account was purposely designed trick. More than receiving paid fees, I would to ask to investigate BofA banking practices and I offer to provide more information and comments if needed.

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 2019-03-20
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am trying to obtain copies of of my personal XXXX and XXXX Discover Card statements. 

This is for IRS audit purposes. I owe the Discover card money and they have not responded to my requests. I have been left on hold for hrs or hung up on or transferred to a third party debt collector. 
I have sent repeated request via certified mail. 

No response. 

Pleasae assist me in asking them for copies of XXXX and XXXX statements for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Email XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
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: Account status incorrect

Complaint:
XXXX  ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit. ) The date of last activity was in XXXXXXXX XXXX. This account is well over ( 6 ) years old and should not be reporting. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff that is over ( 6 ) years old is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-03-04
Company: Synovus Bank
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This company has closed my account yet is ACTIVELY STILL reporting monthly the collection on my credit report in an attempt to harass me into payment ... a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Experian Information Solutions Inc.
State: NV
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:
identify theft

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 2018-05-14
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Nelnet has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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:
I have contacted Experian to remove fraudulent/ unverified accounts from my Credit Report. Experian removed five items that were fraudulent/unverified. However two other accounts continue to remain on my credit report which is having a extreme negative impact on my credit score. I sent 4 certified letters with return receipt to Experian from XX/XX/XXXX through 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 explanation
Consumer complaint received 2021-06-05
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2021 Quicken loan pre approved my home loan for XXXX. I then picked out a home to buy doing the process it was know communications i couldn't never reach my loan processor i was denied. I then recieved a phone call from quicken loans apologizing to me about the none communication and advised to resubmit my application and that they had a new loan processor to help me through the process at this point i issued XXXX $ for a appraisal & XXXX $ for a inspection XXXX $ for option money XXXX $ for title agency. The sellers of the home paid out over XXXX $ in repairs that quicken loan made them get in order to meet sell requirements. I received a phone call phone Quicken loans on XX/XX/2021 telling me congratulations i was approved and my closing date would be XX/XX/XXXX?, 2021. A day before my closing date i received another call from quicken loans stated that I was denied because my real estate agent used to work for a broker company who they will not do any business with and it wasn't nothing they could do to help any further i then let them know that they failed to declose any of this information to me or the agent prior to our closing date and that this was not professional business quicken loans then assured me if i fire my real estate agent after he has work very hard with me to get a close on the property that they will continue working with me and get a new closing date so I ended my contract with my realtor and he was very upset saying he doesn't work for that broker company any more and couldn't understand why was he singled out. I then found a new realtor and sent over the new realtors information. Quicken loans called me again stated i couldn't get approved unless i add my newly wife debts with my debt. I explained to them I was already at my closing date without any of the new problems there coming up with im on the application by myself and if i qualified 2 days prior what's really the issue and why are they coming up with all of this new wants from me I asked for my money back but they will not give me back my money they suggested I apply for a conventional loan i said no thanks i meed my money back so i can apply with a new Lender i feel like i have been discriminated against for being XXXX XXXX, also my realtor is XXXX XXXX  and the loan processor lady who works for quicken loan is also XXXX XXXX  she's the person who called me with the congratulations and my approval and closing date. Quicken loans wouldn't let me speak with this lady any longer they unsigned her from working on my team. Assigned more new people to me who was definitely not trying to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX,2017 we were approved for a XXXX through online.on the same day, a deposit of {$490.00} was, deposited into our account from the online loan.come to find out it was a online fraud that locked our account for almost 2 weeks now and still have no access to any of our funds.we receive direct deposit on a weekly basic and still ca n't have access to any funds.regions told us that the fraud is under investigation and that our funds will be ready no later than XX/XX/XXXX,2017.well needless to say, we still have no access to any funds.it 's been 2 weeks and still no answers..this is getting out of hand..please help us get more answers to this so we can have access to our funds..I will be going to the bank today to do a follow up and I will get back with you about what 's going on

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 2020-02-03
Company: LoanCare, LLC
State: AZ
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:
On XX/XX/2019, I received a letter from XXXX XXXX, from Loan Cares Office of the Customer, stating that my account would be reported as current starting XX/XX/2019. I am attempting to refinance my mortgage, and LoanCare has not updated the reports to the credit bureaus. After attempting to contact LoanCare, I was told that someone has verify that what XXXX XXXX did was correct. I have attached the letter sent to me by XXXX XXXX. As I stated, I am trying to refinance my mortgage, and LoanCare`s incompetency is preventing me from doing so.

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 2015-08-06
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
TD Bank changed the amount of transfer taxes on the day of settlement. 

TD Bank was disclosed the proper amount on the original purchase and sales agreement and only listed 1 % on the GFE rather than the 2 % listed on the purchase and sales agreement. On the day of settlement, they changed the amount to 2 % increasing my closing cost. There was never any change to the transfer tax amount through the entire process. 

TD Bank is stating they were allowed to make this change.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-14
Company: EQUIFAX, INC.
State: NV
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:
since XX/XX/2017, I have sent over 25 letters to the three credit agencies, XXXX, .Equifax and XXXX . Those letters were comprised of ; change of personal information ; hard inquiries ; collections of fraud ; accounts that are fradulant etc.. Each letter was timely, giving 30 days response time with notices of possible small claims action, yet they refuse to correct /remove the mentioned complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Receivables Performance Management, LLC
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called repeated times after I disputed and asked for itemized statement of my XXXX account I had to block the number they then began to change number they called from in attempt to pass my block and I never got my itemized statement.

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: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Please reference your prior claim ID XXXX. Shortly after submitting that claim I received an apologetic letter from XXXX XXXX at the executive response unit of Citibank N.A. in XXXX XXXX. Please see your CC in file. He said the {$400.00} was legitimate and apologized for the delay. He said to send my XXXX ( again ) form to XXXX XXXX. I had already done that with a form for my wife who is a joint owner of the accounts. That was two weeks ago. The {$400.00} bonus payment has not been paid. Two days ago ( XX/XX/XXXX ) I received a letter from XXXX XXXX via regular mail dated XX/XX/XXXX!! I quote from that letter : " Thank you for providing your tax certification Form XXXX. During the tax validation process, we identified the following issue that resulted in the rejection of your U.S. tax certification. The federal tax classification box selected it inconsistent with the name provided on line 1 of your Form XXXX. Please complete and submit a corrected tax form. '' I have NEVER seen nor filed a Form XXXX which is for NON U.S. citizens. They may have confused me with another customer or else this is another deliberate stonewalling delay to deprive me of my {$400.00}. I have telephoned Mr XXXX ( XXXX ) repeatedly only to leave voice mail. All my calls remain unanswered. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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:
I have made several attempts to dispute with XXXX, Equifax, and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Loan Account on My Credit Report Dear Experian Consumer Relations, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning my credit report. I recently reviewed my credit report and discovered an account that I believe to be fraudulent. Despite efforts to resolve the issue with the company verifying the account, it has come to my attention that this account does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize that I have never had any financial transactions with the company listed above, nor have I ever taken out a loan with them. This erroneous information on my credit report is causing significant distress, and I am concerned about its potential negative impact on my creditworthiness. 
I have already taken the following steps to address this matter : Contacted XXXX XXXX XXXX I have attempted to reach out to the company responsible for reporting the loan account. However, they have been uncooperative and unwilling to acknowledge the fraudulent nature of the account. 
Filed a Dispute with the Credit Bureau : I have submitted a dispute through the Experian online dispute resolution system. Unfortunately, the company verifying the account has not provided any substantial evidence to support its legitimacy. 
Initiated a Fraud Alert : To protect myself from potential further fraudulent activities, I have placed a fraud alert on my credit report with all three major credit bureaus. 
Considering the severity of the situation, I kindly request your assistance in resolving this matter promptly. I request that Experian investigates this fraudulent account thoroughly and removes it from my credit report as soon as possible. My aim is to maintain an accurate and fair credit history. 
Enclosed with this letter, please find copies of documents that support my claim, including a copy of my identification for verification purposes. 
I understand that Experian is committed to ensuring the accuracy and integrity of consumers ' credit reports. I trust that you will handle this dispute with utmost attention and conduct a comprehensive investigation into the matter. 
If you require any further information or documentation from me to expedite this process, please do not hesitate to contact me at XXXX or XXXX I sincerely appreciate your understanding and prompt attention to this matter. Thank you for your assistance in resolving this dispute and protecting the integrity of my credit report. 
Sincerely, 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 2020-08-22
Company: JPMORGAN CHASE & CO.
State: NH
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Account information incorrect

Complaint:
To Whom It May Concern : I had an account with One Main. Our agreement upon receiving my last payment, my account with be closed. It was also agreed upon paid in full, it would not affect my credit report/score, however it is. It is currently showing as a : Charge Off. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation