BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received Transunions response to a previous dispute dated XX/XX/2019 which state that the accounts where either updated or verified. DEPT OF VETERANS AFFAIRS # XXXX .... DEPT OF VETERANS AFFAIRS # XXXX .... On Monday, XX/XX/2019, at XXXX EST, I contacted Transunion via recorded phone call and requested the method of verification, for the listed accounts above. I requested that I be made available to the information in writing, in which Transunion verified/updated. I requested : The persons name they verified the dispute with and also any and all documentation used to verify/update the dispute. I asked that the information be mailed to me within the allotted time designated by the FCRA. After not receiving the information requested, I made an additional phone call to Transunion and spoke with a Representative, via another recorded phone call on Monday, XX/XX/2019 @ XXXX EST. I informed the rep. that I had previously requested the method of verification via phone, be mailed to me. Exercising my rights under the FCRA. I informed the rep that Transunion is currently in violation of the FCRA fair credit reporting act, as I have not been provided the infomation that I requested. I was told that I could request the information from the creditor. And I again quoted the laws of FCRA. As stated in FCRA 611 ( a ) ( 7 ) you must provide the information for the following accounts no later than 15 days after receiving this request. In accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This was not a request for a reinvestigation of the previous dispute. Several times, I was asked if I wanted to open a dispute and I told her several times that I did not want to open a dispute at this time ; that I called to express my concerns why the information requested had not been provided, as stated by law. I explained that I told the the previous representative this was not a reinvestigation but rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ). 
I do have proof of the conversations with Transunion, as the company states that the calls may be monitored, and in the state of NC, only one person has to give consent for a conversation to be recorded. I too have a recording of this conversation and can provide proof.

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 2021-09-22
Company: TRANSWORLD SYSTEMS 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: Account status incorrect

Complaint:
I pulled my credit report and this account is reporting as an open account as of XX/XX/2021 today is XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I obtained a HELOC account with bank of America for emergency reasons. For the past several years I have borrowed and paid off account on several occasions using information on B of A online banking screen without any problems. I make payments through instant transfer between my accounts at B OF A. On XX/XX/XXXX I made a payment on amount owed of XXXX since then the account shows XXXX balance. Today I noticed an account notice for my HELOC account which indicated the following. 
Payment due by XX/XX/XXXX {$56.00} Past Due amount XXXX late charges XXXX Estimated Payoff XXXX XXXX. If my account reads XXXX balance and no payment is requested how I'm I suppose to know I need to make payment. 
2. If I made a payment of XXXX ( full amount ) 0n XX/XX/XXXX, how can I possibly be late on payment XX/XX/XXXX. 
3. How can I possibly ever pay this off with all this silly and charges and estimated pay offs if every time I think I paid off account hidden charges appear. 
4 Why I never had this problem before paying the balance on my HELOC account the exact same way I did in XX/XX/XXXX. 
I want CFPB to help me get this account paid off as I see no way I can ever pay it off.

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 2019-05-18
Company: Experian Information Solutions 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:
In XX/XX/XXXX I submitted a dispute about 2 accounts on my credit file that were not reporting correctly. One account is reporting the last payment made date wrong yet the their rating key shows more payments were made past that date. This account supposedly sold the account to debt buyer which is reporting a different amount than what the original creditor has. The initial response from XXXX   was that they verified the information to be correct. I proceeded to ask what information did they base the supposed verification on because the account information was still wrong. They simply replied explaining their investigation procedures rather than re-investigating the errors. 

After reading more of my consumer rights I then re-disputed the accounts in XX/XX/XXXX they have blantantly ignored me and haven't even responded at all.

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 2018-09-01
Company: EQUIFAX, 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:
XXXX XXXX - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them. 
Original creditor is XXXX XXXX XXXX- shows as open account on XXXX and Equifax as well as XXXX XXXX, how can they both be open? XXXX  fixed that with dispute. XXXX didnt update after disputing, Equifax has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports. 
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with XXXX ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. XXXX and Equifax are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through Equifax they claimed to delete and it still appears. My score is over 80 or more points less with Equifax, and 40 with XXXX due to these specific errors. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I made a deposit of {$1600.00} into my primary checking account at Bank of America, I was told it would be up to a two day hold on my deposit the deposit check I deposited was a valid check which has been confirmed by me at the Bank of America with the payee of the check and their financial institution that stated to them that the funds cleared their account on XX/XX/XXXX when submitted. On XX/XX/XXXX the funds were deposited into my account in which I did less than five transactions then today XX/XX/XXXX the funds were taken out of my account from the deposit which now resulted in me having a negative balance of over {$1600.00} at which the bank claims that the check is a fraudulent check which is incorrect. Bank of America refuses to release the funds into my account saying now that the federal reserve has not transfer the funds to hem Which is falls due to the fact that the XXXX XXXX XXXX confirm that Bank of America receive the funds on XX/XX/XXXX By Bank of America claims that the Federal Reserve never deposited the funds from my account. Bank of America has now put me in extreme financial peril due to their practices in which they have caused my first deposit the funds into my account and then removing 24 hours later the funds for no reason whatsoever

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 2019-05-21
Company: EQUIFAX, INC.
State: MS
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:
Please reverse the late payments reported on the following accounts : THE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX ..The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, On XX/XX/XXXX I received a Escrow Check in the Amount of {$570.00}. My Mortgage was {$1500.00} prior to this refund. My mortgage increases to {$1500.00}. I cash the Check. 
On XX/XX/XXXX, I receive notice that my Escrow is short by {$1300.00}. I have two options, do nothing and my Mortgage goes from {$1500.00} to {$1700.00} or pay the shortage of {$1300.00} and my Mortgage goes from {$1500.00} to {$1600.00}. I choose to pay the {$1300.00}. So at that time I am obviously irritated and call a Wells Fargo Rep., she tells me I should not have cashed the check. So in my mind why send it in the 1st place. So the Bank used this loophole to raise my mortgage? 
On XX/XX/XXXX, I receive another Escrow Check in the Amount of {$460.00}. So I again call Wells Fargo and talk to a representative who tells me that the escrow is evaluated every year in XX/XX/XXXX and that all escrow overages have to be returned to the customer. I just got my XX/XX/XXXX Tax evaluation and my property has increased in value from XXXX to XXXX. Obviously, the Taxes will increase and again I will be short on my Escrow Account and get to look forward to another Mortgage increase. This was explained to the representative and she told me she had no control over the tax increase. I get that and suggested that I do not cash the Check and she basically told me I had to. So, my thought is to cash the check and put it back into my escrow account as I pay it on line and have that option. She did not confirm or deny if this was acceptable, but did say even if I wasn't short in escrow come next XX/XX/XXXX I could expect to see an increase in my mortgage to cover the escrow shortage on paper to cover the tax increase, really? 
Again, I feel this is a game played by this lender to constantly increase your mortgage every 2 years and it is not right! I should be able to add more escrow monthly to avoid a mortgage increase. I am XXXX, and really do not feel that my income will increase to offset this increase every 2 years. What is the escrow overage limit defined by the government that has to be returned to the lender? 

Respectfully, 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 explanation
Consumer complaint received 2020-12-18
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harris and Harris calls a couple times a week and when I answer and say hello no one says anything back or the phone only rings once and hangs up. Today ( XXXX-20 ) somebody spoke back. I told the person I did not know what this was in regards to and she told me I could get ahold of the medical facility to find out and hung up on me. 

I called back and spoke with someone else and she said they could send an itemized bill and I said that would be great because I did not know what this was in reference to. And she proceeded to tell me this was going on my credit report and I told her that I knew that because I saw it, and she rudely said, " you go ahead and keep talking because I am not going to talk over you ''. I then asked to speak with her manager where I was kept on hold for roughly 8 mins. She then got back on the phone and asked if I wanted to continue to wait because there was not a manager available to talk to and then she said, oh Mr. XXXX is available you can speak to him. Put me back on hold where I waited for approximately 2 more minutes and the phone began to ring and then went back to hold music.. I waited for about 2 more minutes before hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: EQUIFAX, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
I have been trying to obtain my credit reports online but I am receiving very confusing and wrong instructions as to the reasons why the credit reporting agencies can not comply. 

At one point during the online identification process I was asked several questions with multiple choices answers related to past addresses and entities I had done business with. While answering those questions I noticed that none of the answers regarding entities I had done business with relate to me. I had to choose a response saying " none of the above ''. 

Most of the multiple choices answers were about accounts opened over the past 10 years. I did not open any accounts whatsoever in the past XXXX years. 

I believed there was some kind of mistake so I tried again with a new browser session, but on my second attempt did not even have the option to answer the multiple choice questions. The XXXX website immediately instructed me to mail the form to request my credit reports. 

I need those Credit Reporting agencies to treat me with the same level of professionalism, not making it any more difficult for me to obtain my credit reports online, in the same manner they would to most people in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX {$1000.00} XXXX {$1400.00} XXXX {$440.00} XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I had initially attempted to correct an incorrect status with all credit reporting bureaus regarding a XXXX XXXX account incorrectly showing as a charge off. When I did not receive any relief, I came to the Consumer Financial Protection Bureau website in order to try to have the problem resolved. Since doing that, the original XXXX XXXX problem remains, but now Transunion and XXXX  have altered my credit report and it now contains several errors. I filed bankruptcy in XXXX and it was XXXX in XXXX of XXXX. My credit reports on across all reporting agencies has always correctly shown a bankruptcy discharged in XXXX and all of the accounts included in the bankruptcy have reflected that. There were never any errors or problems with the bankruptcy. Now, the bankruptcy is no longer showing on Transunion or XXXX  and the account included in the bankruptcy are showing as late payments, with no mention of the Bankruptcy. This is from XXXX, and it has been changed, without cause. I never disputed the bankruptcy or the contents therein. XXXX, an old XXXX XXXX, an old XXXX account, XXXX/XXXX  are all showing as late payments. Everything this happens, my score goes down. Every time I try to correct one problem - with the XXXX XXXX account, a new problem arises. I am afraid this is going to effect my current accounts, that are in good standing.

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 2018-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One sent me a letter today by mail. The letter stated that my credit card account had been closed for inactivity one month prior XX/XX/2018. Letter was recieved XX/XX/2018. I called and spoke to the manager [ id # : XXXX ] who told me it was in my terms when the account had been opened. I explained it was not in my agreement when the account was open fifteen years ago. There was nothing he could do. I advised I did not recieve a card to be used I had no active cards in my possession. XXXX had no option for reaolution that my fifteen year old account would remain closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2021-09-22
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: FC HoldCo LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove my inquiries. I applied for a car loan and they ran my credit to 19 different places to get me approved for a loan and told me they were only running it for one place. Now I have numerous hard inquiries I need removed. Its making my credit bad please remove.

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 2020-09-16
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A few months ago this random company showed up on my credit report saying I owed money. I have no loans and have never heard of them. They suddenly send me fliers asking that I pay them. I attempted to reach out numerous times for verification and they just send more requests for money. I attempted to dispute on credit report but they fought it without providing me proof.

Company response to consumer: Closed with explanation