BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
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: 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 XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2018-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America refused to dispute a charge that I have a receipt for that shows I should have been charged in XXXX dollars and not U.S. Dollar. I have proof which they will not accept and they told me they can not do anything about it. I spoke with a claims representative and a supervisor and they both refused to make a claim to get the correct amount adjusted. They charged me a transaction fee but would not look at my receipt for the transaction exchange rate on that date. They told me its correct. But I told them it was not.

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 2022-11-27
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: Old information reappears or never goes away

Complaint:
I hope all is well All three credit bureaus are saying I made heavy use of available revolving credit and this is no longer correct it needs to be taken off and fixed. Im not making heavy use of available revolving credit my debit to income ratio is 13 percent. The remaining balance on non mortgage or installment loans are to high and this is incorrect I dont have a mortgage or no installment loans this needs to be removed as well and reflect correctly.

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 2022-08-07
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello i have been bullied and harassed income driven payment option with the option help me at all. I enter into i employee service loans was denied. now i was told to consoled =ate 1 loan that i been on for 25 years. The latest issue i was given a payment extension until XXXX on Friday XXXX XXXX. The next hour i was report 90 days late and my XXXX credit went from XXXX to losing XXXX points. I need to have my account updated and remove the 90 late charges off my XXXX credit report. I am asking the bureau to investigate these scratchy practices. We in recession and the only one is benefiting is this 9 % interest rate that Navient use to win. Income driven repayment payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX Account Information Address XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Loan Type REAL ESTATE-JUNIOR LIENS Date Updated XX/XX/XXXX Payment Received {$150.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$30.00} per month ; paid Monthly High Balance ( Hist. ) High balance of {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-19
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account 's information ASAP : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: Trident Asset Management, L.L.C.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trident Asset Management is reporting a account on my credit report XXXX, XXXX   and XXXX which does not belong to me. The account shows a open status from XX/XX/XXXX to present. I reached out to the company on XX/XX/XXXX about this account and did not get any help with the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first reached out to diversified consultants back in XX/XX/2016, asking them to provide me with the original contract with my signature, because this debt is not mine. They then in XXXX provided me with someones phone bill with my name name on it. I then advised them again in XXXX to please provide me with the information I requested and at this time I also advised them that there was no way this debt could be mine because I was in the va XXXX XXXX XXXX XXXX at the time the dates are listed on the phone bill provided. To this date I have not heard a response. This needs to be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
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: Their investigation did not fix an error on your report

Complaint:
I am very upset at Trans Union and XXXX XXXX XXXX right now. I began disputing an account on my credit report in XXXX since I knew the account was well over 7 years. Not only did I not get a timely investigation, I had to file a complaint just to get the credit bureaus to do an investigation. I finally received written results from Trans Union dated XX/XX/2020 which was XXXX XXXX months after I submitted my initial dispute. 

I was shocked to see the account was verified as accurate by Trans Union. When I received this notice from Trans Union stating as such, I called XXXX XXXX XXXX to figure out what kind of information they had which showed this was indeed an accurate account. I called the number provided in the investigation results by Trans Union for XXXX XXXX XXXX. The individual who answered the phone was named XXXX XXXX XXXX and said his company 's name was XXXX. He also stated they are a non credit reporting entity and they assigned an account which had my info to XXXX XXXX. After I asked for some clarification as to why XXXX XXXX XXXX is on my credit report and was just verified days ago with this number XXXX stated again that XXXX  is a non credit reporting entity. He even said it was his understanding XXXX XXXX XXXX was out of business. 

After hearing everything from XXXX and being told XXXX  purchased the account in question and assigned it to XXXX, I called Trans Union with an advocate. Trans Union wanted us to mail in a power of attorney before they spoke with my advocate but I wasn't going to do that considering how many months it has taken for them to even conclude an investigation which I know was fraudulent. How can Trans Union verify a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doesn't even exist anymore. Even if XXXX  purchased this account from XXXX XXXX XXXX, XXXX claimed they are a non-reporting entity so again I ask how could Trans Union have verified this account? 

I don't know what Trans Union did or didn't do but I want this account deleted from my credit report once and for all. Trans Union took 2 1/2 months to conclude an investigation and they clearly didn't do a real investigation since it is impossible they verified something with a company that does not exist. By the way, now that I think about it, I haven't received a response from XXXX either. I did from XXXX. I want to add XXXX to this complaint as well.

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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently viewed my account for the first time in over 4 years and noticed that there are 2 accounts that are on my credit report that I did not open, nor do I have any history as to where these accounts came from. I did not open these accounts that are on my credit report. These 2 fraudulent accounts are seriously negatively impacting my life and the ability to obtain credit. I did not create these accounts, nor do I have any knowledge of them, yet they are on my credit report and damaging my livelihood. I contacted my local police department and also contacted the credit reporting agencies informing them that there are fraudulent accounts being reported on my credit report. I was prompted to file an FTC report on the 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 non-monetary relief
Consumer complaint received 2018-09-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Reference complaint XXXX, this is an addendum to same ; on XX/XX/2018, a representative of XXXX XXXX XXXX XXXX called to " Discuss '' the aforementioned complaint. I told the representative I did not want to discuss the matter verbally but instead have all correspondence to be " Written '' and please not call. The representative immediately said " Then you want no further contact from this office? '' I again said No that is not what I said and repeated I wanted only written correspondence for this exact reason. The representative was not respectful in any way to my self. He was not respectful to the process nor did he seem concerned with any possible ramifications of my allegations against XXXX XXXX XXXX XXXX. I believe the representative called so that he might relay to the CFPB that the " Issue had been resolved '' by virtue of just calling and nothing could be farther from the truth. The rep acted annoyed at having to call.

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 2020-12-05
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I still have yet to received all of the proceeds from my recent cash out refinance with better.com. 

Appraisal and title were cleared XX/XX/XXXX. It was not until XX/XX/XXXX after significant prompting on my part that we signed the closing documents. Before the appointment, I emailed our closer requesting confirmation of what I should expect from the disbursement process. 

At the closing, we were asked to write out our bank routing and account number for the signing agent to deliver to title. I had received no response from the closer, so I sent a follow up email on XX/XX/XXXX requesting the same information and attempted to confirm my disbursement preferences in the same correspondence. This email yielded a response saying to ask my questions of the title company XXXX XXXX. 

I emailed XXXX XX/XX/XXXX and asked how and when I should expect the wire transfer and distribution of the creditor payoffs. I never received an email response. 

XX/XX/XXXX, two days after my loan should have funded, I still had no funds and no response, but was receiving congratulations emails on my recently funded loan. 

I responded to ask where the proceeds were via email. No response. 
I called the title company. No answer and a generic voicemail. 
I called my closer. Another representative said the loan funded XX/XX/XXXX and they would have our closer call when he arrived. 

No phone call. 

I received an email saying if they heard something they would let me know, but they couldn't make calls because of extenuating circumstances. 

I emailed the head of operations and my closer to complain that I was not being given any sense that I was a priority. 

I threatened to file this complaint and several hours later received a phone call from title. They were " too busy '' to fund our loan earlier in the week and wanted to confirm my wire instructions and mailing address. They had planned to handle the funding Thursday XX/XX/XXXX, when it should have been handled XX/XX/XXXX. I was assured I would have my creditor payoffs in hand via XXXX XX/XX/XXXX and the wire XX/XX/XXXX. I requested they overnight those to my primary residence rather than my investment property securing the transaction. 

The wire came through XX/XX/XXXX. The payoff checks to the creditors have yet to arrive. Nobody apologized. Nobody reached out to me to confirm I got my proceeds and my issue has been resolved. My issue remains partially unresolved 5 days after my closing should have occurred. I've requested a refund of the accrued interest I'm being charged on proceeds not received. I've received no response to that request. 

I want the remaining proceeds and a refund of charges for funds I did and still do not have access to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-18
Company: Marlette Funding, LLC
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:
Best Egg has placed a account on my credit for {$8900.00} on XX/XX/2022. I have called and disputed with them asking them to show me a signed contract with my name, but they refused and stated they have no signed contract. I was told the money was placed in an unknown account that is current closed out ( I had to investigate ), but Best Egg refuses to help me. 

They have a very rude team, and never call back when they say they will.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: AMERICAN EXPRESS COMPANY
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:
I purchased tickets to a XXXX XXXX XXXX game from XXXX , XXXX, a California corporation. The game was cancelled. 

Per California law, I am due a refund, so I am disputing the validity of this charge. 

XXXX California Code Business and Professions Code Chapter 21. Ticket Sellers BUSINESS AND PROFESSIONS CODE SECTION XXXX XXXX. The ticket price of any event which is canceled, postponed, or rescheduled shall be fully refunded to the purchaser by the ticket seller upon request. Any local jurisdiction may require a ticket seller to provide a bond of not more than XXXX XXXX dollars ( {$50000.00} ) to provide for any refunds that may be required by this section. 

In XXXX 's answer to the California office of the Attorney General, they indicated that I am due a refund, but they do not wish to refund me until XXXX ( see the attachment ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-27
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For the loans I had taken for my XXXX school education, I had a balance of around {$160000.00} from UASXXXX XXXX. Because the interest was high, I consolidated my XXXX   loans with XXXX XXXX and they made the payment to UASXXXX  on XX/XX/XXXX. Meanwhile I had already made my XXXX month 's installment of {$2300.00} as I did not want to be late even on a single day on my payments. So there was an overpayment of a months installment. Even before I closed the loan I called UASXXXX  to know what will happen if I made an overpayment and they stated they will either mail a check to me or send it to XXXX XXXX after about 40 business days. So, after about 45 business days, I called UASXXXX and they stated its actually about 60 business days and that the previous customer service representative gave incorrect information. Since then I have been calling almost every week talking to them for around 30minutes regarding an update on the refund and they keep giving different updates every time. They claim they refunded the money to XXXX XXXX on XX/XX/XXXX but when I called XXXX XXXX they did not receive it and they still havent. When I ask for proof, UASXXXX can not provide any proof of the check or the money was transferred. They keep saying they will call me or email me with the updates but they havent done that even once. I am so frustrated with UAS/XXXX because they are wasting my time and making a fool out of me. I worked hard for that money and I paid the monthly payments to UAS/XXXX on time for many years but they have no concern for me and are ignoring me. At the beginning I was talking to XXXX XXXX from UAS/XXXX and she tried to help but she kept saying the same thing to me and I didnt get any new updates from her. Another UAS/XXXX customer service representative, XXXX, was very rude to me and was not helpful. She stated there is nothing else they can do. And numerous times I asked them I wanted to talk to the supervisor or manager but they never gave me a chance. When I called UAS/XXXX on XX/XX/XXXX, while on conference call with XXXX XXXX representative, XXXX stated that they will send the refund again to XXXX XXXX but XXXX XXXX still didnt receive anything. And again I called UAS/XXXX and another customer service representative stated she doesnt see any updates in their system. I asked them again when exactly they send the check and for proof but they couldnt provide it. Even in my busy schedule I called them and wasted many hours because me and my parents worked hard for this money and I dont want to loose it. I was pregnant when I started this whole process and I felt so tortured. Now I have a XXXX XXXX baby and I spend a lot of time calling UASXXXX   instead of spending that time with my baby. I have been going through a very stressful process for this refund and I feel very disrespected and cheated by UAS/XXXX.

Company response to consumer: Closed with explanation