BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: AR
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 sent a letter to equifax on XX/XX/2021 stating that there were items on my credit report that didnt belong to me. they never responded and its been 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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: Account information incorrect

Complaint:
The company is reporting my auto loan late 30 days also 60 days late when the account is not late and My account was put on deferment XX/XX/XXXX XX/XX/XXXX natural disaster it was granted so I was informed that there would not be a late fee and they would not put my account to late status. But its still reporting late on my credit. Also XX/XX/XXXX & XX/XX/XXXX my account was granted and approved for Covid 19 assistance and put the amount due to the back of the auto loan. My account is in good standings but they keep reporting negative as its impacting my credit score. Please I just want them to update correctly as I was told they would but never done. Transunion is reporting XX/XX/XXXX late, XXXX & XX/XX/XXXX late. XXXX is reporting the same as Transunion, and XXXX  is reporting XXXX & XX/XX/XXXX late XX/XX/XXXX late & XX/XX/XXXX late.

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 2018-06-15
Company: Tate and Kirlin Assoc
State: KY
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 pulled my credit report on XX/XX/XXXX after being denied a home loan. Denial was for a {$9600.00} debt from XX/XX/XXXX. 
I called the company listed on my credit report on XX/XX/XXXX. They referred me to a law firm, Tate & Kirlin. 
I called Tate & Kirlin Associates on XX/XX/XXXX. I was told the debt was a credit card that was opened on XX/XX/XXXX and last closed XX/XX/XXXX. I was not aware of the debt. 

I have a credit report that I pulled on XX/XX/XXXX which did not reflect any issue of this type.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home at closed escrow at the end of XX/XX/XXXX. My new mortgage lender paid my installment of taxes due as they needed proof that they were paid however my old mortgage lender M & T Bank had already dispersed the taxes due ; {$4200.00} to XXXX XXXX County. I have called several times since then to find out where my refund is and the first time spoke to a XXXX on XX/XX/XXXX who told me it would take about 30 days to receive it. Then I spoke to a XXXX on XX/XX/XXXX that told me they should be mailing it out by XX/XX/XXXX and also to a CSR named XXXX on XX/XX/XXXX that told me they should be sending it out in a week or so. Then I called again on XX/XX/XXXX and spoke to a XXXX who told me that they verified that XXXX from XXXX XXXX County said that they refunded M & T the {$4200.00} for the taxes. NOW I am being told it may take up to 8 weeks to get a refund? This does not seem right as I paid off the loan successfully, paid on time and even sent them proof that my new lender paid the taxes as well via email on XX/XX/XXXX. Why send them proof when they are just going round and round. I just want my refund for my impound account sent back of {$4200.00} ASAP and I hope that I do not have to wait 8 weeks when my loan was paid off as mentioned XX/XX/XXXX and the taxes were paid in full as well for the XXXX installment. 

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 explanation
Consumer complaint received 2019-09-08
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Hi after going over my Experian credit report I see a long list of collection agency that has flagged accounts that was disputed and never verified. Theses are from XX/XX/XXXX to XX/XX/XXXX. They flagged my report and post negative marks and thats not right and shouldnt be allowed to do that and Im a XXXX senior

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 2018-05-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Property : XXXX XXXX XXXX  XXXX XXXX, CA Buyers : XXXX XXXX, XXXX XXXX and XXXX XXXX Single family home ( rental ) Sold and held in aXX/XX/1031 exchange for next property Lender : Wells Fargo Mortgage, XXXX, CA failed to close on time ( 30 days ) because they kept losing our documents ( 3-4 times ) even though the documents were either hand carried in to their office or put in Wells Fargo overnight bag. I have over 200 pages of docs and email stating we must close or face a $ XXXX  IRS bill. Our loan was elevated up to the branch manager who did nothing. Then it was elevated up again to the area manager. He could do anything except apologize for the lost documents. This was approximately a 10 % loan 1-4 units. We were putting $ XXXX + down payment. We were within days or either closing with all cash or pay the IRS. We closed with cash. Even after I email them and said we are closing all cash, no denial of the loan was recorded for any reason, nor was any form sent out to us. I requested all our documents back to re submit to a new lender. The underwriter sent about 10 documents. I emailed back and said Im filing action with the government for your actions. She then sent about 90 %. 

I have all emails ( maybe 50 ) from all the Wells Fargo employees for our review. 

Thank you, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA 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 explanation
Consumer complaint received 2019-09-08
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of a rental property on XX/XX/XXXX and was given a final account statement 18 days later on XX/XX/XXXX for an amount of {$210.00}. I was then sent a revised statement for {$760.00} on XX/XX/XXXX which is outside of the 21 day limitation set by California Civil Code 1950.5. I have informed the collection agency of this discrepancy multiple times and no action has been taken by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: SYNCHRONY FINANCIAL
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:
I am writing regarding my TJMax XXXX credit card. I am in the process of purchasing a home and the lender supporting us asked us to payoff several of our credit cards, this card was one of them. Based on my XXXX statement balance, I paid {$85.00} on XX/XX/2021, which was actually a few dollars more than the outstanding balance on the account. In my mind, I thought that the credit card had been paid off. After XXXX I NEVER RECEIVED the XXXX statement which closed on XX/XX/2021. Apparently there was an {$32.00} balance that was carried forward which I was not aware of as it DID NOT appear on the statement. The credit card appeared as being 30 days late on a credit report that the lender just ran on XX/XX/2021 literally 2 days after the XX/XX/XXXX closing date. When the lender called me about this situation, I called the customer service number and spoke with a representative to attempt to gain clarity on this matter. I told her that I never received the statement and thus did not know that there was a pending balance otherwise, I would have paid the entire amount. If I can pay the {$85.00} to pay off the account, I would have most certainly pay the additional {$32.00} if I knew about it. To this, the representative responded " you are not the first person that has called about this, we have been having issues with this due to COVID however, there is nothing that I can do, you will have to work with the credit bureaus to clear the 30 day late notification as this is done automatically ''. I HAVE NEVER BEEN LATE ON THIS CARD SINCE HAVING OPENED THE CARD. I PAID WHAT I BELIEVED TO BE THE FULL AMOUNT AT THE END OF XXXX. This is really negatively impacting my credit and I would like to get this resolved immediately and as such am requesting your support in addressing this matter. This is an oversight and issue related to the global pandemic, this is not negligence or a continuation of non payment. AGAIN, I HAVE NEVER BEEN LATE ON THIS CREDIT CARD. Please help in getting this off my credit and off the credit bureaus.

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 2018-06-15
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX XXXX filed bankruptcy, one of the reasons was due to illegal practices involving student loans. Words like " Predatory '' and " Deceitful '' practices were being used to get students signed up for loans. 
I want to know why I am still required to pay, 11 years later, on a debt that was procured in this manner? Why has the debt not been forgiven? Aren't I just paying into something that was deemed illegal at this point? 
What are my options to get this debt erased and possibly defrauded monies refunded to me that I have paid over the past 11 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this bill from the beginning with at and t. I have asked for them to verify the charges and explain to me what exactly they are collecting. I have not gotten one collection call from this company. I called today and spoke to a rep that informed me that this account was placed with them on XX/XX/18 and was immediately submitted to the credit bureau to impact my credit not given me a chance to dispute it with IC systems. The only reason that I am aware of this collection attempt is because I got an alert from XXXX. This is in violation of my rights. I also requested with the rep today that I fall under the sscra for military spouses.

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 2018-05-15
Company: CITIBANK, N.A.
State: AL
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:
My credit report is stating paid in full for less. I have a letter dated XX/XX/15 which says the entire debt was forgiven. This company has continuously reporting incorrect information. I want all trade lines deleted because they are in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: LA
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 submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 45 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 45 days is a reason to remove those things off my credit report immediately. It has been over 45 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
B of A EDD dept *XX/XX/2021 EDD deposited 2x payments of {$910.00} which gave me an available balance of {$1800.00}. No pending charges. 

I went immediately to store and made a purchase of {$9.00}. After purchase, per BofA EDD online account ( the BofA Prepaid mobile app ) Available Balance After Transaction : {$1700.00} Card Number : XXXX XXXX XXXX XXXX Should be {$1800.00}, not {$1700.00}. 

*Same day, immediately after, I made another purchase across street of {$10.00} After purchase, per BofA EDD online account ( the BofA Prepaid mobile app ), Available Balance After Transaction : {$1500.00} Card Number : XXXX XXXX XXXX XXXX Should be {$1800.00} not {$1500.00} ... 

I called twice today XX/XX/2021, and even transferred to management which claimed there records show the correct amount after both purchases which totalled {$1800.00}, but my billing statements state otherwise. 

I was offered no reason why this could happen, and told to fax or email statement to the same department that the website is working from. 

Im requesting a full account review to credit my funding which has been taken with no record or reason from B of A edd dept

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 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 filling this complaint because TRANSUNION, LLC has ignored my request to provide me the documents that their company has on file and was used to verify the account I am disputing. I have contact their offices on the following dates listed below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account information. I demand to see Verifiable Proof ( an original Consumer Contract and/or orgianl court docuemtns with my Signature on it ) you have on file. Your failure to positively verify this public record material has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

As a side note, this Chapter XXXX Bankruptcy was completed and paid back in XX/XX/XXXX the year is currently XX/XX/XXXX- that is 8 years on my credit report. That is also Thousands ( {$1000.00} ) and Thousands of dollars more I have paid for items I buy, loans I have missed out on, housing I have been declined for etc. I feel that having it on my credit report for 8 years is punishment enough. There is no law that states these types of things " by law '' have to stay on ones credit report for XXXX or longer years. 

I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. 

I want TRANSUNION, LLC and/or TransUnion, LLC to stop reporting immediately this account on any and all of my credit reports issued to anybody whom inquires on my behalf. 

Please resolve this matter as soon as possible and thanks in advance for your time and consideration.

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 2018-05-15
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a home owner for the last 4 years and I have ALWAYS paid my mortgage payments on time and I have NEVER missed the payment deadlines. 

As always, on XX/XX/2018, i went to 'Freedom Mortgage ' website and I made my payment by entering my name and my bank routing number and checking account number. I hit confirm and the system took me to the next page and said 'Your Payment Is Scheduled ' and it also provided me a confirmation number for the payment. This clearly seemed like the payment process was completed as the system itself confirmed it with a confirmation number. 

However, on XX/XX/2018, i received a call from Freedom Mortgage informing me that the payment was not successful due to technical issues and they asked me to provide my bank routing and account number again, which i did and completed the payment for XX/XX/2018. I asked them what the technical issue was but they were not able to explain me the exact reasons for the payment not going through. 

Freedom mortgage has technical issues with their systems as it confirmed to me that the payment went through but now they blame me for being late. 

I am in no way responsible for this late payment as I duly made my payment and their system provided me a confirmation number as well. I have never been late with my mortgage payments in my entire life. 

I have now been reported to Credit Bureaus as late causing my credit to fall by about 80 points, for ABSOLUTELY NO FAULT OF MINE. 

I request you to kindly investigate this matter and order Freedom Mortgage to fix my XX/XX/2018 payment issue and have them work with the credit bureaus to correct my XX/XX/2018 payment as NOT late. 

Thank You XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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: Account information incorrect

Complaint:
On XX/XX/XXXX I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there are numbers of inaccuracies and inquiries on my consumer report that still remain. 

1. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX 2. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX 3. These late payments need to be removed because Equifax is reporting me being 30 days late in XX/XX/XXXX but XXXX and XXXX are reporting I paid on time. 
XXXX  XXXX Account Number : XXXX 4. These late payments need to be removed because Equifax is reporting me being 30 days late in XX/XX/XXXX but XXXX and XXXX are reporting I paid on time. 
XXXX XXXX XXXX Account Number : XXXX 5. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly. Equifax is reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX XXXX Account Number : XXXX 6. This charge-off is past the statute of limitations in my state of Florida for them to legally collect from me. Since they can not legally collect from me, having a past due balance is inaccurate and illegally reporting since charge-offs can not have a past due balance. 
XXXX XXXX Account Number : XXXX They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Total Card, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Total Visa keep losing my payment information. There was a glitch in the automated system and my payment was not accepted. They even gave me a confirmation number, yet, they tell me the payment did not go through successfully on XXXX of this month. 
Someone is blocking access to my online account at Total Visa. I made the payment on XXXX of XXXX and they are reneging on crediting the fee to the account. I believe that someone is trying to use my credit and they are supporting their mischief activity. Why am I not able to go online and see the damage to my credit? I made a new payment on the XXXX and I was given a new confirmation number.

Company response to consumer: Closed with explanation