BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Received an update credit report, no changes nor response to why.

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 2018-02-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have disputed these accounts from XXXX/XXXX several times on my credit report, it just says : disputed by consumer. 1. I wasn't even in the US when these accounts were opened. 2. I don't know what this company is, I have never heard of it and I certainly never opened any accounts with them. This is completely ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I cancelled my car XXXXnsurance because medically I was no longer able to drive. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also, received a letter to show that it was confirmed and cancelled. Bank of America, allowed them to keep taking money out of my account for 9 months. I am XXXX and barely scrape by on my social security. I called dozens of times, to file my dispute and I submitted documentation only to have them say that the merchant did not respond so I would not be entitled to any further dispute. I was told so many times that I would receive a credit to my account if they did not respond. A manager had told me at Bank of America that I needed to file another dispute. The insurance was cancelled and the letter was dated XX/XX/2022 and I called to put stop payment on it in XX/XX/2022 because I had major XXXX and was in XXXX  between then I was also unable to handle it any earlier. Bank of America also asked for medical records showing I was in the hospital I dont know if thats even legal. I also called the insurance company and was told that they sold the company to someone else I would have to call that number that new insurance company which they had no record of my account. It was {$670.00} total.

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
Several months ago I pulled my credit report and noticed errors on my report. I reached out to the credit bureaus on several attempts, but I was never successful in getting the issue resolved. I have also reached out to the organization as well only to be ignored. XXXX XXXX of XXXX XXXX is illegally reporting to my credit profile which is also violating my rights under the FCRA. 

According to the Supreme Court, child support is unconstitutional. According to Wehunt v Ledbetter, child support was designed to support the state. There is no law that states I have to support the United States Treasury. 

Also, according to Blessings v Freestone there is no legal right for the mother nor the father to receive child support. 

My rights under the FCRA have been violated as well : 1. 15 USC 6801 ( a ) Privacy Obligation Policy : " I have the right to privacy. '' 2. 15 USC 1681 ( q ) Obtaining information under false pretenses : " My written consent must be given before anything can be placed on my credit profile. '' 3. 18 USC 1028 ( a ) Aggravated identity theft : I never gave my written consent for this information to be reported to my credit report.

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 2018-02-11
Company: CITIBANK, N.A.
State: CA
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:
XX/XX/XXXX Open dispute complaint against vendor for refund of merchandise. Tried to work out with vendor prior. 
XX/XX/XXXX Received correspondence that complaint was closed as I still had merchandise. No further instructions given XX/XX/XXXX Advised bank that merchandise return along with proof XX/XX/XXXX Bank advised that I had until XX/XX/XXXX to respond. XX/XX/XXXX, did not advise of this. Thus my account was rebilled and no refund issue. Bank advises that case is closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/23 I made a purchase on XXXX in the amount of {$110.00}. There was a promotional offer for {$30.00} back if spending {$100.00}. The credit has not posted yet my balance is due. I met all the promotional terms.

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 2022-01-27
Company: REGIONS FINANCIAL CORPORATION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have used Comdata to provide lumpers for my drivers. I used transactions to see charges. I found out when trying to reconcile my account, Comdata added a fuel program and tire program that I never agreed to. I have my own fuel and repair accounts with XXXX and XXXX account. They charged XXXX and XXXX a month. They agreed to remove one charge. I was also charged {$150.00} for late fees totalling {$4000.00} for the year of 2021. I am saddened and embarassed by their abuse and my hindsight. I had a {$3000.00} credit line that I paid with my bank bank account, this does not show a due date. They said you had to pay every 5 days. I was never aware of this. I asked for all monies to be returned. They said they would research it. I asked for a supervisor. I was told a XXXX would call me, no call, I called again and I was told it was escalated, ( no call in over a week. ) I have 10 fleet managers per comdata and have spoken with XXXX, XXXX, XXXX and XXXX. I closed my account, so not to incur any additional fees. I am unable to get back in and review any charges and or credits and have asked for someone to contact me. This has not happened. After being on hold for 20 minutes, customer service, XXXX said send an email. Here is my email. I will be awaiting your response. 
You are welcome to call me at XXXX x XXXX, XXXX XXXX to XXXX XXXX  or call my cell XXXX. 

Comdata received this email today XXXX plus all the other calls that happened throughout this month. 
. 

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 2022-01-27
Company: LoanCare, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In late XX/XX/XXXX I was sent an escrow shortage letter IN THE MAIL. On XX/XX/XXXX I sent the attached letter requesting that the shortage be spread over 60 months as permitted by XXXX guidelines XXXX I also attached the guidelines to this request. In my request, I asked LOANCARE to send me a WRITTEN CONFIRMATION that this shortage will be processed over 60 months. I'm yet to receive any updates. 

My experience with this company has been appalling to say the least and I do not trust that this issue can be resolved without CFPB intervention. Without getting the resolution in writing, this company would most likely readjust my due payments incorrectly after next years escrow review. The service reps I've spoken with are just as clueless as they come with no product knowledge to resolve issues.

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 2022-02-03
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Experian has two bankruptcy accounts that are being reported on my consumer report, XXXX & XXXX. I have spoken with a clerk from offices of the bankruptcy court via e-mail and she confirmed that the bankruptcy courts does not provide information to any consumer reporting agency. This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Experian any written instructions to do so. Experian has also failed to exercise their grave responsibility to respect my right to privacy. The reporting of this information has ruined my representation in commerce and has made it difficult to purchase a home. I have the e-mail attached for proof of injury. Experian will be held civilly liable for willful and negligent noncompliance for any failure to comply with this deletion demand

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX and Transunion, has violated, my consumer rights by reporting a fraudulent account under the credit file that they maintain under my social security number. Each credit reporting agency has been supplied the FTC statement verifying the accounts reporting are not authorized by me. Each Credit reporting agency has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
At this time the account with XXXX XXXX, XXXX XXXX XXXX XXXX, continues to reflect on my credit file. I will be sending a notice of intent to sue regarding these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Atlanticus Services Corporation
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged {$180.00} in late fees by Fortiva they never put these charges on my statement it wasnt until I called and asked they told me I told them I wanted it all removed and they took off one {$40.00} fee they said they would escalate the call and no one has gotten back to me It was an interest free furniture purchase which I thought I had a year before I even started paying it off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: NJ
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2020-06-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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:
Two dept collection agencies ; Account Resolution Service,  XXXX XXXX XXXX, have been reporting unverified and invalid information to all three major credit bureaus, creating a highly negative impact on my credit score. The agency Account Resolution Service reported a collection in the amount of {$1400.00} and the agency XXXX XXXX reported a collection in the amount of {$780.00}. I reached out to both agencies via certified mail in effort to request that they validate the dept in question. The letters were sent out on XX/XX/2020. I then allowed the collection agencies 30 days to respond to my letter. It is now XX/XX/2020. This exceeds the 30 days I allowed for the agencies to respond. I would like further assistance in the validation or removal of these items from my credit report.

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 2020-01-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Been faxing paperwork, my cousin helped me fill out! 8th time on phone, called XX/XX/XXXX had to give information over phone, said approved fax papework which i had already, then send package going out, ( SEE PROOF ) then on XX/XX/XXXX was a sale!!!!!!!!!!!! IS AN FHA LOAN! I did what i was supposed to, now called today XX/XX/XXXX said denied due to sale  PENNY MAC IS A LIAR been faxing paperwork!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: AFNI INC.
State: NM
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:
XXXX  amount {$1000.00} was a fraudalent now reported to a dabt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
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 have been disputing this item since I became aware of it. There are numerous complaints I have made. 

This is regarding an apartment I sublet in XXXX Oregon from the XXXX XXXX  XXXX XXXX. I rented the apartment for two months. I paid a security deposit. I notified XXXX that my job had ended @ XX/XX/2014. XXXX informed me that it was ok. Rental demand for apartments in XXXX is high and they were able to rent the apartment. When I asked for the invoice to substantiate the claim I did not paid I was given the attached invoice which is for a period of time I was not resident. I have submitted copies of my bank statement which shows two withdrawals for {$700.00} each paid on XX/XX/XXXX, and XX/XX/2014. I have asked XXXX XXXX to research the money orders which typically I used to pay rent. I have sent the bank statement to XXXX XXXX who claims that the withdrawals do not prove that I paid. It doesn't prove that I did not. 

This dispute has been ongoing and frustrating that it is not corrected. No matter what I supply XXXX and XXXX XXXX still claim I didn't pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act 41647 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2018-01-20
Company: EQUIFAX, INC.
State: NY
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:
Equifax continues to fail to look into this matter of Fraudulent inquiries on my equifax credit report, i have tried numerous times to get them to look into these fraudulent inquiries and have them removed from my Equifax report. 

XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage is the loan servicer of my home. The HomeOwners Assistance program has opened up in my state XXXX XXXX XX/XX/XXXX, I applied for assistance. The problem is that PHH Mortgage is not an accepted lender with the XXXX XX/XX/XXXX XXXX. I have called them on XX/XX/XXXX and XX/XX/XXXX ( PHH Mortgage ) several times and tried to communicate with them about the program. The representatives that I talked to on several different occasions do not understand that the company needs to sign an agreement with theTreasury Department ( government ) to accept the payments. They are drafting a letter to me to say that they will receive the government 's payments. Based on my conversation with XX/XX/XXXX, that is not going to work. Right now, my application is on hold because of the lender ( they will hold my application for 30 days only ). I am 31 months past due on my mortgage due to financial hardship because of Covid. If the mortgage company wanted to start foreclosure, they could at any moment. I do not want to lose my home, and I am turning every stone possible to prevent this from happening. I understand that PHH Mortgage does not have to sign up for the program. I want to know if they have any plans to start accepting XX/XX/XXXX. I was given forbearance after forbearance only to find out I could not get a load modification because of the investor guidelines. This is my last hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On or about XX/XX/2021, I initiated a business checking account at Bank of America, account number XXXX. The account was opened on or about XX/XX/2021. On or about XX/XX/2021, I made a transfer of funds into the Bank of America account in the amount of XXXX. On or about XX/XX/2021, after calling Bank of America, I was told that the funds were transferred into my account at Bank of America, and that the funds will be returned to me in the form of a cashiers check within 7-10 business days. On or about XX/XX/XXXX, I called a local branch at XXXX XXXX XXXX XXXX, XXXX, CA and spoke with XXXX XXXX who after speaking with Bank of America customer service confirmed that the account was being closed ; XXXX XXXX stated that I need to call Bank of America on or about XX/XX/2021 to confirm the issuance of the cashiers check. On or about XX/XX/2021, I called Bank of America but I was unable to obtain any information about my account. When I called the local branch at XXXX XXXX XXXX XXXX, XXXX, CA on or about XX/XX/2021, XXXX took my information over the phone ; later, on the same day, XXXX told me that she spoke with the back office who told her that I was once again had to call Bank of America on or about XX/XX/2021. When I called Bank of America on or about XX/XX/XXXX. XXXX, I was told that the account was in the process of being closed and that no information about cashers check issuance was available, and that the closing process could take up to 30 days.

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