BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I disputed accounts with XXXX and they have not responded within the required time by the FCRA. I would like the items removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage hasnt been able to finish my mortgage refinance since 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 2021-05-27
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: Old information reappears or never goes away

Complaint:
This account appears to be in violation for 2 reasons. 1 the statue of limiations is expired and number 2 I have no knowledge of this matter never have any child support or any government claim against 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 2021-05-27
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi there, My husband and I applied for a home loan and unfortunately my credit came back poor due to a collections account from Jefferson Capital Systems. We have not been given enough information to know whether or not the debt is real or how to verify the details of the debt itself from Jefferson Capital Systems or XXXX, who apparently was the original debtor. 

The details fo the debt are below : Jefferson Capital Systems - Opened XX/XX/18 - Balance {$560.00} - Origination XXXX XXXX I am requesting a debt verification from Jefferson Capital Systems as my husband and I do not understand where this collections trade line came from. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Flagstar Bank, N.A.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am not a professional and am not an underwriter and am at the mercy of the mortgage assistance specialist with Flagstar to best direct me and stay on top of follow ups to help me COMPLETE a package for mortgage assistance. Ive been forced to file for bankruptcy to allow them the time to be able to assist me and again they are refusing to help me prevent this foreclosure due to some deadline date they are escalating with this avoidable foreclosure. I have tried BK and nothing they continue to neglect helping me in preventing the foreclosure.

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 2022-11-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance {$330.00}

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 2019-03-09
Company: BB&T CORPORATION
State: TN
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:
BBT XXXX pulled my credit 3 times without authorization for 2 of them. Only applied one time. I got back to them but they don't want to fellow up. 

XXXX XXXX pulled my credit without any authorisation I don't even apply any of their services.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-16
Company: Upgrade, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Spoke with upgrade on XX/XX/XXXX in regards to payment assistance. Discussed options decided to continue making regular payments but did request removal of account auto draft and was informed upgrade is ok if not paid on day of as long as paid in 30 days. Opened app saw 65 days past due on XX/XX/XXXX never notified on previous call nor in writing or by phone. I have made all payments at min that have cleared my personal account on XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. Was informed by rep today that it was a pay now error on their end and never drafted from my account when previously it did and was never notified that there was an issue. This impacted my credit and receiving calls on a timely made debt payment per my contract and due dates and payments shown on the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03
Company: SYNCHRONY FINANCIAL
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company calls numerous times day, multiple times a week. When answered, they will not identify the business matter. They will also not leave messages. The debt is a charge off by a different company. They have also sent letters through XXXX for direct delivery which is just dropped on the doorstep. They are harassing me and now they are threatening to sue. I recieved a letter on XX/XX/XXXX that I got off my doorstep via XXXX that saysI 'll be sued if i don't respond. The letter is dated 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 2018-02-06
Company: WELLS FARGO & COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Wells Fargo and XXXX XXXX fraudulently signed me up for the Wells Fargo Visa Home Projects credit card, without my knowledge or consent, to finance a purchase of windows from XXXX XXXX of XXXX, Arkansas. 

Please see the attached materials in support of the CFPB complaint. 

I request the CFPB to investigate the Wells Fargo Visa Home Projects credit card product line for widespread fraud and consumer abuses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Credit Karma, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
They told me I was pre approved for credit cards and wasnt CREDIT KARMA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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:
I asked Equifax and XXXX  for a investigation for XXXX XXXX and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX  and that is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 I refinanced my home and XXXX   XXXX/CrossCountry mortgage became the servicer of my home loan. 
In XX/XX/2020, I called customer service to ask about enrolling in biweekly payments. They told me I had to wait until I had made the first mortgage payment and made NO mention of any fees associated with me simply splitting my monthly mortgage payment into biweekly payments. 
Today, XX/XX/XXXX, I called customer service again. They said I would have to fill out a form [ which they emailed to me ] and said I could NOT simply submit biweekly payments without filling this form. They said those payments would NOT be applied as intended and would be considered " short payments '' and held until final monthly payment was received. They made NO mention of a fee associated. 
Once I received the email with said form, it stated clearly and multiple times that I was required to pay a {$150.00} FEE. 
I called customer service back and asked to speak with a supervisor. She repeated the above information and said that it was " non-negotiable '' to dispute this fee. 
I told her this is a SCAM and they should be reported for such price gouging! I have paid home mortgage payments for most of my adult life! I have never encountered a bank that charges any fees, much less a fee of {$150.00} to simply " allow '' me to make my payments in a biweekly fashion. This fee should be illegal and this bank should be held accountable for scamming it's customers. This would always be an egregious charge -- but now during this economic turmoil and the largest unemployment rate, it is even more CRIMINAL that this bank is trying to scam {$150.00} out of it's customers. 
It is my hope that the Consumer Financial Protection Bureau can help me exercise my right to simply make biweekly payments for my mortgage payment and NOT allow this bank to charge this fee. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to inform you that you are in violation of XXXX XXXX and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request. 

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by XXXX, for account number XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws. 

I look forward to a timely and amicable resolution to this matter.

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 2019-06-05
Company: Experian Information Solutions 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:
THIS DEBT DOES NOT BELONG TO ME, I HAVE NEVER HEARD OF THIS COMPANY BEFORE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 made a complaint on TransUnion in reference to inaccuracies on my account. This is the response they sent back " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 I called Transunion to give my authorization they informed me that they received no complaint from the CFPB. I sent my initial dispute on XXXX/XXXX/202. When I asked about it today they said they didn't receive one in XXXX only one in XXXX the XXXX I sent in XXXX was me asking them why haven't they responded on the one I sent on XX/XX/2021

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 2021-01-28
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was written a debt notice from a collection asset care for XXXX with a date of service of XX/XX/XXXX XXXX given an acc number XXXX The later is dated XXXX XXXX I just got the mail XX/XX/XXXX I have no knowledge of me ever owing any medical bills of such

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Thank you for taking the time to review the complaint regarding the credit report. XXXX continues to furnish a series of late-payments. Accounts with beginning with one through five with a series of inaccurate reporting.

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 2020-07-28
Company: EQUIFAX, INC.
State: UT
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:
Equifax ; XXXX  and XXXX  are falsely reporting that I am ( 60 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Bridgecrest Acceptance Corporation
State: MD
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:
On XX/XX/22 Bridgecrest reported that my vehicle was repossessed. I never missed a payment on the account, and it remained in good standing. However, Bridgecrest will not remove the repossession from my credit report. 

I have reached out to XXXX, XXXX, and XXXX on dates XX/XX/22, XX/XX/22, XX/XX/22 and neither company have been able to adjust my report appropriately. Since that time, i've been unable to be approved for funding due to the incorrect nature of this situation. I have reached out to Bridgecrest 3 times in regards to the incident on XX/XX/22, XX/XX/22 and XX/XX/22 and the associates I've spoken with have denied to remove the falsely reported items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company repeatedly calls using piggy backed numbers as to trick you in answering the phone. They also abuse you verbally - I have repeatedly requested to send me a statement or a mailing - I get nothing. They continue to call my relatives looking for me when they know XXXX well where to find me - as I have spoken to them in the past. A little understanding due to the world events would be nice but they have no niceties with them - they are disrespectful, harassing and must be stopped.

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 2019-06-05
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS DEBT WAS PUT ON MY CREDIT FILE ... I DONT KNOW HOW IT GOT THERE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was in the hospital for a XXXX XXXX for 5 days I have XXXX and XXXX secondary insurance I did not know I would have to pay out of pocket for the 5 day stay in the hospital.I got a bill for {$810.00} I am a senior citizen on a fixed income and started to pay {$20.00} a month to XXXX XXXX XXXX in Florida got the bill down to {$690.00} and they sent a remaining account balance due statement that I should pay a total of {$120.00} total amount due. I paid the {$120.00} in full to XXXX hospital. I have all paper work and a copy of the cancelled check I sent.. 

In XXXX or XXXX a get a notice of debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX that I owe {$780.00} for my XXXX Hospital bill what should I do about it??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Since submitting notice of TRANSUNIONS Gramm-Leach-Bliley Act ( GLBA ) violations against my consumer report, totaling more than XXXX errors, TRANSUNION has denied me access to my report for daily, weekly and monthly monitoring and is continuing to violate my consumer report, I have reported this crime to CFPB on multiple occasions, however my access to my consumer report is continuing to be denied and TRANSUNION is continuing to XXXX and XXXX their management of my profile and are forcing a XXXX day response time per the last notice received.

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