BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following debt is NOT mine. Weve asked XXXX XXXX for the following and received nothing of what we asked for. Original Contract with my signature, pay off Disclosure, interest Rate Disclosure, balance history, payment history, credit Insurance. Thru this service weve received nothing so far. Attached you can see that this debt started XX/XX/16 ... XX/XX/16 ... XXXX. I live always in Pennsylvania and 4 years is the maximum this company can collect on this debt. The state laws as the Statue of limitations is 4 yrs. So this is over now, and since they can not show me one check of payment from me, this debt on my credit is over.

THRU CFPB last month and the month before we asked XXXX XXXX for proof and received none of the above ( 5 ) contract documents. NOW as of this month the statues are up. Are you Consumer Protection Bureau Not going to Demand that this company, whos been violating my rights for ( 4 ) years, not going to do the right thing by me???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX, I sent a letter via certified mail with copies of documentation received from XXXX XXXX regarding the removal of a Bankruptcy that was reported in error. I never received a response from anyone at Equifax to correct the matter. I sent another letter on XX/XX/XXXX following up because the tracking on the letter said it was signed for and received and we are now into XX/XX/XXXX and they still have yet to respond to my inquiry or launch an investigation after I have provided proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- INSTALLMENT LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX {$1300.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

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 2019-09-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently requested a new credit chard from XXXX XXXX XXXX. On the letter accompanying my credit card, it included my credit score and also stated, " Under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact Equifax : '' I went online and called in order to obtain this report but it refused to give it to me without charging me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: Screening Reports Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report was scan on XXXX-19 through this company ( Screeningreports inc ) And by the certain cycle I was told that the company is using to scan my report, is showing a inaccurate XXXX Credit score and information on my report which is causing me to get Denied for my apartment lease. Its showing the inaccurate amount of my credit cards balance & other loans balance. I have worked hard for the past 6 months to get my score up to a certain score in order to get approve but however the company is getting a inaccurate XXXX credit score on  my report. I wasnt told specific details of the cycle the company use, but Im totally confuse on why its showing inaccurate information.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-01
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was in correspondence with someone I believed to be the owner of the rental property. Due to Covid they were not willing to meet in person but it seemed like I was talking to the owner. I submitted a security deposit of {$1000.00} on XX/XX/2021 and it went through XX/XX/2021. It was done electronically from RBFCU to XXXX XXXX XXXX. They requested more money before signing a lease. I was able to find the true owners phone number and gave them a call, to find out someone was using their name and rental property to scam people. I contacted local authorities for a case, submitted a report on reportfraud.ftc.gov, and contacted my bank which stated they could not do anything, and contacted the bank the money was sent to which stated they need my bank to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: LEXISNEXIS
State: OK
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:
I contacted LexisNexis on XX/XX/2020 as old judgements, more than 5 years old and also were filed and discharged with Bankruptcy Chapter XXXX and XXXX. I sent in all the proper documentation from my attorney and also explaining the statue of limitations had also expired. I explained this was halting the closing on my home yet they still have not corrected any of the information. This information is no where on my 3 credit bureaus as they have all came off due to statue of limitations and they were in the bankruptcies. 

Contacted XXXX XXXX on XX/XX/2020 and left message for Bankruptcy department asking to remove the incorrect information of balance owed {$950.00} and reporting past due as this was included in Chapter XXXX payment plan and paid in full as agreed to plan. The information was removed from my XXXX  report however not XXXX  or XXXX. I have left messages daily again with the Bankruptcy department as and have received no communication. I have reached out to the local branch to the manager and have also received no communication stating this is not their problem. I have sent in all documentation pleading for help as I need this cleared up asap however zero communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
When I tried to make a payment 3 yrs ago this BANK OF AMERICA would not accept the payment with my debt card. They insisted a checking account information, I do not give out my checking account information, I attempted 3 times to make a payment. They could never explain as to why after several month of me making payment on my account on time and using my card why it was stopped. When I refused to use a checking account they blocked usage. after 3 years now. they Contacted my SON at his play of employment, this harassment 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 non-monetary relief
Consumer complaint received 2019-09-09
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Im not exactly sure on the dates, Ive been in and out of the hospital. Ive also havent had a chance to clear things up due to my health. I understand that I owe, thats not the complaint here. My complaint is with the company Check n Go, on XXXX XXXX and XXXX XXXX, XXXX XXXX Texas, XXXX. They have called my references which is a standard practice but in the same sentence they revealed my entire loan to a family member ( s ) that knew more about the loan that I taken out than I did. They informed them on the amount of the loan, the delinquent status of it, the interest as well as any pay back amounts associated with this particular loan. It wasnt in their place to discuss this with my references at all, they were not co-signers on the loan so revealing this info was not necessary and I felt that they did not respect my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
i have alot of inaccurate acoounts on my credit report that does not belong to me i feel really upset about this matter and willing to file a lawsuit i reach out to XXXX  /equifax/and XXXX about theses issues its stop me from getting a mortage from fha please help me resolve these problems thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
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:
On XXXX XXXX, 2017, I made two purchases to XXXX for services in XXXX, XXXX. One was for {$81.00} and the other for {$94.00}. One was a day trip to XXXX, XXXX, XXXX XXXX XXXX with lunch, the other for Airport shuttle to and from XXXX XXXX at {$44.00} a transfer and before XXXX percent off XXXX, online discount. XXXX XXXX, 2017 came around and driver and tour guide at XXXX saw me using a cane and said they did not feel I could walk the 800 steps at the XXXX XXXX. I watched the youtube video a couple months prior to learn there were 400 challenging steps and a lift. The driver said there are now 800. Driver made tour unavailable. and would not do a refund for the XXXX XXXX. I asked XXXX twice to dispute with XXXX in XXXX who claimed that I " resignated '' and they will not do refund. I shared this with Bank of America on XXXX/XXXX/2017 who said no one has to give refunds unless I did not do a portion of the tour, that it was their word against mine in XXXX, and that the topic is not up for discussion any further, that Bank of America will document that the Company said " no refund. '' The rep from bank of America was curt and rude. I waited two hours for a call back and she was nameless and treated me like I am a pain in the XXXX and stupid. I told her I will file a claim with my travel insurance. She said good and bye bye. I 'm tired of getting no where with Bank of America. I 'm thinking about leaving their Bank again because the reps get younger, move too fast, and claim there is not much they can do just to go with a credit union. I was treated horribly. Not only am I placed on hold for complaining and XXXX there reps off at the Bank. But, I 'm not getting any refunds. Being told the case is closed. They keep sending me rejection letters as if I would try again to reopen any case. Also, the Bank is forcing me to pay extra for travel insurance. They do n't work to protect my money and are not on my side. They get testy and rude.

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 2020-06-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Coinbase, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I tried to get into my account and I miskeyed my duo authenticator. When I tried to enter the correct number, my account was immediately disabled. It 's been two weeks and I have yet to receive a meaningful reply from the company ( Coinbase ). I want to regain access to my account as I have money locked inside it. Case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have reached out to the credit bureaus and the lease company. I have asked them to show proof of being late. I have never been late. They have not provided me documents showing that I was late

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 2021-07-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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 received a text alert supposedly from Citizens Bank stating that my online access is locked due to unusual login attempt. 

Asked me to click a link I do not have an account with Citizens Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we submitted a borrower request to cancel Mortgage insurance on our mortgage. We were told by loan servicing rep that we were eligible and that their system showed our LTV at 78.3 % of our original value and loan. thus they would automatically be dropping the MI. I have followed up numerous times and each time I get the run around. after emailing back and forth and also speaking with customer service reps they sent me an email needing proof and authorization from my husband that I am authorized for SHellpoint/New Rez to speak with on behalf of him. I find this to be a major violation on their part, after he fact. Granted I am not on the loan and have stated so since so inception. I disclosed the fact that I am the wife and after all that time and the divulging of personal information on multiple occasions they finally want to identify my relationship. A bit too late as the violation already occurred long before any attempt to seek authorization. Lucky for them It is me and not someone else, We sent the auth on XX/XX/XXXX. that said, I spoke to an agent last week and was told it would be a 7-9 days to fully remove the MI and that they had an automated valuation done in the system so no appraisal was needed. Today when I called again, I was told we XXXX requires a full appraisal when in fact the guidelines for XXXX only specify a BPO not a full URAR. I am beyond upset at the lack of professionalism all around, in not seeking permission 1st before releasing relevant information via phone and email and about the contestant run around with regards to cancelling our MI. We have been trying to locate a number and email to complain directly with the office of the President for ShellPoint /New Rez but can not seem to locate any such intel on their website. Our complaint is twofold : 1 ) Lack of authorization requested upfront to disclose intel.  We are newly married. 
2 ) Lack of professionalism in handling a simple borrower requested MI cancellation when XXXX says a min of 5 Years in loan with on tie payments and a LTV < 80 % we meet this criteria and want Shellpoint to remove our MI immediately. We were told XX/XX/XXXX and now they want a full Appraisal which will force us into XX/XX/19. I do not feel we should be charged for their incompetence. They need to rectify this ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Aargon Agency, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My phone number used to belong to someone else, presumably a naturalized citizen from the XXXX- a friend told me the name off the caller ID when I first got this number nearly XXXX  years ago. And I tried to track her down, think I even sent her an email, and would have called her myself if I could. Did find an address where she was at that time. 

I repeatedly receive recorded calls from what sounds like " XXXX XXXX '' or " XXXX XXXX '' or something like that. I just googled it and it is XXXX XXXX. It starts with " This is an attempt to collect a debt. '' Also, some individuals have called and I told them it is not her number. XXXX XXXX guy insisted I must know her. 

They come from lots of different phone numbers ... after all, this has been going on for XXXX years - and now I've had enough!!! 

This mornings, at XXXX am Central time, came from : XXXX XXXX XXXX MO XXXX '' on my caller ID, presumably XXXX and likely cloned. 

Please get these people to stop calling me.

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 2019-05-16
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:
Hello I was contacting yall because I went to try and get a car and my was not approved. I'm trying to see how there are things on my credit that is not mine. Can you please take off these accounts. I have contacted the FTC and I contacted the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
My husband and I applied for a business line of credit in the amount of {$55000.00} on XX/XX/XXXX. We both have personal accounts and business accounts and credit cards through Wells Fargo. My husbands credit score is over 800, mine is in the 700s. We have 100 % on time payments. Our debt to income ratio is low and we always keep our credit cards at less then 10 % usage. I had a bankruptcy that was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since that time there has been nothing negative on my credit report aside from a couple hard inquiries for auto loans, which I have then received. The bank denied us based on my bankruptcy 7.5 years ago.

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