BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax my.Equifax.com doesnt properly work and they are STEALING money from me monthly. Their customer service agents are TERRIBLE. They make it extremely difficult to get the assistance you need as a consumer. I have been waiting for over 3 months to get a refund back and they still havent provided me my funds back. The site hasnt worked properly for me since I have signed up with Equifax. Paying {$27.00} for a product that doesnt work as expected and is stealing. I havent been able to properly unlock my credit report for over a month. I opened case XXXX and then I was told 3-5 business days for it to be fixed. I called after that window on today and I sat on the phone over an HOUR trying to get help with this issue. This is the most awful experience I have had and Equifax should be ashamed of themselves stealing from consumers and not taking their customers serious. Equifax clearly doesnt value the customers you shouldnt have to authenticate XXXX times before getting assistance. You have to authenticate through the phone system, then when you get on the phone with an agent you have to give your social security number, name, address, DOB, Phone number, email address. Then you have to answer XXXX questions on your credit report and they STILL want you to send in your license even AFTER it has been sent in the last 30 days. This is absolutely awful and you STILL cant get the help you need. Also, the credit report doesnt update daily as it says it does on the site. Which is false advertisement I want my money back IMMEDIATELY for EVERY MONTH OF SERVICE I HAVE PAID FOR THIS TERRIBLE service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I received communication from XXXX XXXX, XXXX and XXXX XXXX notifying me of recent unauthorized credit inquiries. These inquiries occurred mostly from XXXX XXXX from multiple agencies. I am concerned as I feel an unscrupulous automobile dealer has done this. Please remove these inquiries. Companies noted with unauthorized inquiries include : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Additionally, I did not authorize the following credit inquiries : XXXX XX/XX/XXXX XXXX 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 2021-08-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I recently noticed inaccurate date reported to my credit profile with Creditor XXXX XXXX. Ive disputed this account with all 3 creditors. XXXX  noticed the inaccuracies and deleted this account off my credit. I am asking of the CFBP to demand that both bureaus ( Experian and XXXX ) do the same and acknowledge these inaccuracies as XXXX did and delete this account off of my Profile.

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 2023-11-23
Company: DISCOVER BANK
State: NY
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:
Discover card is showing opened XX/XX/2020 and closed XX/XX/2020 so " XXXX '' for almost XXXX  months from what they claim. 

Never had this account, never opened this account its not mine what so ever Sadly the " XXXX '' process in this country is a complete joke, the " validate '' it for the " creditor '' no matter what because thats who the credit bureaus work for. 

This was disputed XXXX times with all XXXX credit bureaus and nothing became of it, its all " valid '' ive never been shown anything to make it " valid '' what do ever because its NOT and thats why it can NEVER be shown!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Title365 Holding Co.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my home for a refinance with Title Company Title365 on XX/XX/XXXX, for a property in MD. In the closing, an amount of {$1500.00} was collected for the XX/XX/XXXX payment of XXXX XXXX property taxes. 

These taxes were never paid. I received a Real Property Tax Levy Delinquent Notice from XXXX XXXX on XX/XX/XXXX. Since then, both the mortgage lender and I have been trying to contact Title365 to get proof of payment. They have never answered their calls for me for the last three months nor the lender and finally, the lender took the money from my loan escrow account to pay the taxes ( double paid ). I request an immediate refund of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On multiple occasions I have spoken with Navient in regards to my student loans. They kept differing and putting my payments into forebearance instead of giving me other options or helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in Chapter XXXX and 4 or so months before finished XXXX XXXX sold my loan to Select Portfolio Servicing. Now Select isn't taking my last two months payments and say I am behind about 22 payments ( {$80000.00} ) and need to pay that before they will accept payments and stop foreclosure! I haven't miss a payment in 5 years and have copies of cleared checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: IN
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:
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 and discard these immediately in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Consumer rights and protections have been violated according to title 15 USC 1692. My privacy has been invaded along with the privacy act has a consumer has a right to privacy and not a privelige. According to title 15 USC 1692b a debt collector can not state that a consumer owes a debt.AARGON agency has been reporting a fraudulent debt to Transunion which has been very damaging to me and my family in our pursuit to purchase consumer goods, They have been contacting me a federally protected consumer about an alleged debt without my consent. XXXX XXXX XXXX has been reporting a fraudulent debt that was a result of an identity theft on my consumer report which has been very damaging to my reputation and has hindered my ability to extend credit and enjoy the pursuit of happiness. Under title XXXX5 USC 1681 an inaccurate and unfair credit report directly impairs the efficiency of the banking system and undermines the public confidence which is essential to the continued function of the banking system. I REQUIRE THE 2 FRAUDULENT accounts on my consumer report from XXXX XXXX XXXX XXXX in the amount of XXXX $ and one in the amount of {$110.00} be deleted immediately. A debt collector can not use false and deceptive means in connection with a debt such as the false representation of or the character amount or legal status of any debt.

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 2023-09-29
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
I'm a fist time home buyer hoping to purchase my dream home, then I choose Citi bank to finance the mortgage everything was going well until they change my loan office in charge of my loan. the people who took over from her was very negligence. my closing day was supposed to be XX/XX/2023, and the loan processing started since XX/XX/XXXX, 2023. it was always very difficult to get the loan processor on the phone, and if I send her email her respond delay. we have 45 days to go through this whole process. all document they ask was sent promptly. last week when I see the closing date was getting closer, I have to send another email and copy customer service. each day I will not ear from then, until i send an email and they will respond that I should send another document, which I will send to them right away. this was going on and on until we get to this point and the seller of the property have decided to cancel the contract. because my closing day past and loan have not still clear to close. they now promising Friday XX/XX/XXXX for closing. I put a lot of time and energy in this. i want to be compensated for my time and return my {$650.00} i have earlier paid to them for processing fees. this is due to their staff negligence. they treated me very very bad.

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 2023-11-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I used a service called fresh books to create an invoice and they had an integration to accept payments with a company called Wepay. I then created my account. They did not say anything was wrong. As soon as I got the money in the account, they closed my account, and they said I violated their terms, but they did not specify what terms and they are withholding my money for 120 days. I request an appeal and they have not gotten back to me/will not get back to me and there is no customer support number. 

I have also seen plenty of reports about the same issue regarding this company - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They allowed the biggest check to go through for the little ones to bounce. So it would make me have bigger over deft fee

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
They repossessed the car

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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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: Was not notified of investigation status or results

Complaint:
I am trying to work on my credit score. I sent multiple letter to XXXX stating I only have one name, live at one address and who my employer is. They have not updated their historical information on my profile. If I send you a letter stating what is accurate and what is out of date why would they not fix these things. I have even called over the phone to try and get them to delete names, addresses and employers that are not attached to me. I want my personal information to be reflected correctly. Not only have I been sending letters regarding my personal information I have been disputing some accounts on my report. I have not been late on my payments and if I was considered late I have not been notified. XXXX is supposed to validate their information on me and I have not seen any letter validating i was late for XXXX XXXX or XXXX. There are also unauthorized inquiries on my report that are not validated. I have asked that these inquiries be deleted as well. It has been more than 45 days since I sent my letters. I would think a No response and no verification on information allows for my accounts to be updated to reflect positive or be deleted.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-05-02
Company: Experian Information Solutions 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:
On XX/XX/XXXX I disputed several false claims on my credit report from Experian. As a result, they received the letter via certified mail on XX/XX/XXXX. It's now been 30 days since the investigation. Therefore, Experian is in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2023-03-05
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 am interested in disputing all incorrect information credit report with experian. checking my file ive noticed of incorrect data that is hindering my file. please remove all information submitted to help clear my file asap.

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 2019-05-03
Company: Experian Information Solutions Inc.
State: MN
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:
Applied for a line of credit with XXXX XXXX on on XX/XX/2019 at XXXX. Received notification was not approved. Received a letter from XXXX XXXX on XX/XX/2019, which was dated XX/XX/2019 ) regarding the reason the application was not approved. Within the letter it states that part of the reason was due to the credit report that was obtained from the consumer reporting agency, Experian. The credit score that was reported to XXXX XXXX, by Experian, was XXXX. I check my credit score weekly and my score has not been below 600 for several years. Upon checking my Experian score on XX/XX/2019 it is XXXX and even going back several weeks, before the submission of my application, on XX/XX/2019 my score was XXXX. I have attempted to contact them via telephone at several different numbers which were located on their website, online, and thru a XXXX search. But all numbers lead me to numerical options that do not include speaking with a representative. I would like to know why incorrect information is being reported and why they do not have to further explain the inaccurate information that is being provided to my financial institution?

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 2021-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 transferred a balance from another credit card to this one back in XXXX, to help pay less on my overall credit card debt. When I did so, I was given the offer of 0 % interest for 12 months, but I keep getting charged interest on my statements and then never given a proper explanation as to why whenever I have contacted the company about it. 

When I called them the most recent time, I explained that when I have made purchases with this card since the balance transfer I have paid the purchase amounts in full, so I should not be charged interest. The person that I spoke with said that I did not in fact pay them in full, which is true, but they then apologized, credited me for the interest that had been charged and apologized for the lack of a good explanation as to what I should pay to not owe any interest. They did some type of calculation on their end and said that I would need to pay {$58.00} ( or something in that ballpark ) to pay for my minimum payment on the balance transfer as well as what remained on the purchases, to not owe any interest. I thanked this person and then proceeded to pay {$60.00} ( more than what they had told me ) on my next bill. When I received my most recent statement, I was still being charged {$1.00} for interest even though I had been given a specific amount to pay where I would not have to. 

The bottom line is, when this company told me that I could get around paying any interest, they lied about it and have decided to still punish me for trying to pay off my debt and not owe interest. These discrepancies in their behavior can not and should not be tolerated, and I demand consistency when speaking to the associates at this or any other bank.

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