BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 HAVE TRIED MANY TIMES BY SUBMITTING DISPUTE LETTERS TO TRANSUNION, ABOUT BANKRUPTCY # XXXX. IN 2020 TRANSUNION TELLS ME IN A LETTER TO CONTACT XXXX XXXX XXXX SINCE THEY ARE THE COMPANY REPORTING THIS PUBLIC RECORD, SO I DID AND IN THERE LETTER ON XXXX XXXX IT STATES THEY WILL NO LONGER REPORT THIS BANKRUPTCY

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 2021-09-14
Company: Experian Information Solutions Inc.
State: SC
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:
still reporting false, misleading, and inaccurate Information on my consumer report sent several letters and they refuse to properly investigate, refuse to remove inaccurate item, and refuse to send proper validation.

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 2019-09-14
Company: ERC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not aware of this company. Also if this is XXXX XXXX XXXX, they are prohibited from any collections activity, as per letter received in 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made an ATM deposit on Monday XX/XX/XXXX around XXXX PM at a ATM machine located in front of the bank and deposited {$300.00}, 6 {$50.00} bills and the drawer took the money and did not count it and keep timing and timing out. I saw a banker coming out and I asked him is there something going on with his ATM, he went inside and got another bank her to come out because I think he was going to lunch the other banker came out to assist. He saw the machine was just Spinning and spinning, and then he pushed return card and pull my card out and gave it back to me and told me I had to file a claim because I told him I put money in the drawer and its not processing and its not going any further so we filed a claim and the bank kept putting me off saying I need 10 days and then I got an email they were sending a letter so I called the number on the email and the lady told me that they are closing the claim and that they dont see any errors now they have cameras and they should be able to see that I was there and made a deposit that day and I just dont appreciate it taking this long. Ive been with the banks long time, theyll just take my money and not believe my word I would like my money deposit credited to my account.

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 2022-08-09
Company: ALLY FINANCIAL 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:
The inquiries and companies listed are unauthorized and unrecognizable. There is now a lock on my credit as well. 
-ALLY FINANCIAL ; Inquiry Date XX/XX/XXXX -XXXX XXXX XXXX  ; Inquiry Date XX/XX/XXXX -XXXX XXXXXXXX ; XXXX Date XX/XX/XXXX XXXX ; Inquiry Date : XX/XX/XXXX -XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date : 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 2021-07-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
in XXXX, XXXX, XXXX i received a copy of my free XXXX XXXX XXXX and noticed inaccurate information in the personal information section, when i was made aware of this i called and sent letters by mail to XXXX XXXX  and Experian to have this inaccurate information removed, XXXX and XXXX removed the inaccurate information with 48 hours, But Experian refused to remove the inaccurate information even after sending documentation which were copy 's of proof of identification, driver license, social security cards, bank statements, utility bill. 

this time i decided to send a letter following the CFPB instructions with sending documents by certified mail with XXXX, which i did on XXXX/XXXX/XXXX, the certified mail was received by Experian at XXXX pm on XX/XX/XXXX in XXXX, TX XXXX. 

today is XX/XX/XXXX and the inaccurate information is still reporting in my personal information section in my experian credit file. the only conclusion i could come up with is i strongly believe i'm being discriminated against because of my age and i'm a XXXX male, i believe if i was a white male, the information would have been removed after i sent a documents verifying my identity.

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 2022-10-06
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$45.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX  XXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$3300.00}, XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, and ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my credit card off in full with Bank of America and was still charged interest after I made the payment. I spoke with their customer service department and was told because of the amount charged they could not waive it. They could not tell me what the pay off date would have been to avoid being charged any interest. They have also told me I am being charged interest on the remaining amount ( interest charged to 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 monetary relief
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: GA
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:
It is my belief that Equifax closed out CFPB Complaint # XXXX as a stall tactic. If the appropriate procedures had been taken, it shouldn't have taken this long to produce the documentation requested in complaint # XXXX. Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Im aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Equifax has committed fraud and Identity theft pursuant to 15 U.S. Code 1681a ( q ) ( 3 ) for furnishing information to my consumer report that is in clear violation of the Fair Credit Reporting Act without my lawful authority. 

Please provide the written instructions that I, the consumer gave to Equifax which has authorized this furnished information. If you can not provide me with these instructions written by me prior to the notice received by Equifax on XX/XX/2022, through the CFPB portal complaint XXXX, this has been a fraudulently made consumer report using my identifying information. 

I have attached an FTC report due to the fraud and identity theft that has taken place. Im demanding the items below be blocked and removed pursuant to 15 U.S. Code 1681c-2 not later than 4 business days. I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written instruction of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a sentence of imprisonment of 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Experian Information Solutions Inc.
State: VA
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:
We disputed this debt of {$200.00} in writing. We filed an earlier complaint XXXX, but the response was both unsatisfactory and inaccurate. The contracted amount was reimbursed by my insurance. XXXX has ignored my requests to furbish proof of debt or to remove this from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-06
Company: EQUIFAX, INC.
State: OR
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 applied for a new job. The company completed a background check. My mortgage company has reported me late XXXX for 5 months. I had requested a modification due to my husbands XXXX. It was to take only 3 months at the most. It took 6 months, as the mortgage company stated they need to start over. I made the newly scheduled payments on time or early as instructed by the documents I received. I have a payment history that shows I made my payments on time, yet the mortgage company shows them late. The mortgage company was XXXX XXXX, now called XXXX XXXX. 
In addition, XXXX XXXX is reporting to late accounts. Unfortunately I had to file BK. It was discharged XXXX/XXXX/XXXX. This should also not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My husband and I took out a 15 year Home Equity Loan with CITIbank in XXXX of XXXX for {$55000.00} with a fixed rate of 6.379 % and no closing costs. In discussing the loan with the branch representative, we clearly stated that our intent was to consolidate a few bills. We also made it clear that our intent was to pay off the loan early and part of the plan to do so included doubling the required monthly payments. With that in mind we asked the representative if there were any penalties for paying off the loan early. We were clearly told no, there were no prepayment penalties, however, it was made clear to us that doubling the payment in one month does not change the amount of the monthly payment. In addition to our discussion with the representative, in reviewing the Closing Disclosure it was clearly printed in bold letters in response to a question on the form - " Does the loan have these features? '' - Prepayment Penalty - NO Fast forward to XXXX, XXXX and we contact CITIbank to get the the payoff amount of the loan and we were informed that the payoff amount includes an Early Closure Release Fee in the amount of {$1400.00}. In response to questioning the fee, we were told to refer to page 1 of the Home Equity Loan Note which makes a distinction between a partial prepayment and a full prepayment. It further states that we are subject -- not to a prepayment penalty --, but to a Early Closure Release Fee, if a full prepayment is made during the first 36 months of the loan. 

Based on our intent and purpose in discussing the loan thoroughly with the representative and relying on the disclosure statement, we feel the bank was intentionally deceptive in the discussion and documentation of the terms for the loan. At the end of the day, it is our opinion that the Early Closure Release Fee is the same thing as a Prepayment Penalty. Also, if the bank makes a distinction between partial and full prepayment, that distinction should be made clear in the Closing Disclosure. This practice is clearly and intentionally deceptive.

The Early Closure Release Fee is nothing more than a Prepayment Penalty and/or a way for the bank to, after the agreement, attach closing costs to the loan. 

We made a good faith effort to enter into a fair agreement, but did not read every line of the fine print.

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 2017-07-28
Company: EQUIFAX, INC.
State: FL
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:
Equifax requested documents to be submitted to them via fax to self identify. On XXXX XXXX, 2017 a copy of my driver license, social security & proof of current address was faxed. On XXXX XXXX, 2017 I spoke with an Equifax associate, who stated they ca n't seem to located faxed documents. After 30 mins of dealing an associated, I was placed with a supervisor. Supervisor stated since its been 48 hours since I faxed my self identifying documents, I could upload the documents using the dispute function on their website. After uploading the document as requested, the supervisor asked about an account belonging to me, that she just recommended I use to upload self identifying documents. Supervisor still was unable to answer my question, as to why I can not review my credit report online, nor could she answer the question, what happen to the information just upload to verify identity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Nicholas Financial Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nicholas financial auto loan wont stop appearing on my credit for a debt. that amount was paid off by a gap insurance when the car got total lost in an accident in XX/XX/2016. it was for a XXXX XXXX, the car insurance windhaven paid 90 % of the car debt and the gap insurance covered everything else. they confirmed and sent out letter to clarify. but that company wont stop posting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX/XXXX/2018 - XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX, XXXX has sent harassing phone calls to XXXX requesting a debt that I do not owe. I do not know where they got my phone number, but they a determined to collect a debt at this phone number. I have called this " outfit '' several times only to receive their automated system that does not allow one to speak to a person. 
Please inform this " outfit '' to discontinue these harassing phone calls that have been constantly ongoing for over two month or a law suit will be filed for invasion of privacy. Thanks for your help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX was contacted by the Attorney General in their state in 2020 to do the following : XXXX ) not contact me about a school debt due to the pandemic. 
Additionally, I have received no correspondence from this company. 

The amount they claim I owe is exaggerated with over XXXX dollars in their fees and they are attempting to collect during a pandemic. 

They placed a collection on my credit report without communication with me. 

According to the Bureau of Consumer ProtectioXXXX their collection process is erroneous and XXXX must prove they have a right to : XXXX ) Add fees of their own to the payment believed to be owed XXXX ) Collect from a consumer with no job during the pandemic in the state of Florida. 

XXXX ) Attempt to collect any monies after the Attorney Generals office interrupted the process. 

XXXX ) Prove they provided documents to me from a letter they wrote to their Attorney XXXX office in 2020. 

If they continue to do illegal practices I will sue them in small claims court. Colleges and universities are canceling debt due to the 3 year pandemic. I certainly will not deal with bullying or discrimination due to my financial status. I will contact Help me XXXX and XXXX XXXX XXXX XXXX because this company conducted 5 plus soft pulls on my credit. This is harassment and illegal.

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 2019-09-23
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to get a modification with Mr. Cooper and day to day the requirements change. In XXXX of 2019 Mr. Cooper offered a modification that was only {$200.00} less that the original mortgage payment amount. DUE to an error/miscalculation on THEIR part I declined it and resubmitted a second modification packet per THEIR policy. And I am now having the hardest time. EX : the very same XXXX transcript request that I submitted in XXXX to receive the approval ; I was contacted today XX/XX/2019 and told that it was an outdated form and will not be accepted. I literally took the same form and changed the date. THAT'S ALL I DID! And now it can not be used. Also they told me I can not put my loan number on top of the document. Remember, I used the same form that I used previously and the modification was approved. I believe that MR. Cooper 's claims/requests are fudiciary attempts to push my account further into foreclosure process.

Company response to consumer: Closed with explanation