BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-18
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
i viewed my credit report and seen inaccurate things reporting that did not belong to me i contacted the credit bureaus they informed me that i needed to file a police report i did that and sent the necessary documents in Equifax and XXXX  responded and still did not remove the items however XXXX  did remove the negative items from my credit file im asking help in this situation ive contacted and reached out to the credit bureaus with little to no results. below i am attaching the documents i received from XXXX and the police report i filed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This letter is a follow up to my original letter dated XXXX XXXX regarding an inaccuracies in your credit reporting, regarding the entry being reported under. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never had XXXX   XXXX never had XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX repo XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX In response I received a letter from them in XXXX? I wrote them a letter in English. 
By not replying in a timely manner ( BY SENDING THIS LETTER IN A FOREIGN LANGUAGE I DONT UNDERSTAND! ) to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance..

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 2019-10-14
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I did not have a least at XXXX XXXX XXXX XXXX when I moved out of unit XXXX I was told that she meaning XXXX would walk the apartment and submit a request for a refund for my Deposit since the unit was in really good condition after I had clean it and returned the keys before XX/XX/2019. I gave XXXX my forwarding address XXXX XXXX XXXX Tx, XXXX. I was told I did not owe anything and I do not have a balance with XXXX XXXX XXXX. I even got XXXX to write me a letter saying that I did not have a balance. I never heard from XXXX and I wanted my deposit back after a few weeks I called and left several messages and XXXX never replied. I tried to apply for another apartment and I was denied approval because XXXX had put false information on my credit report. XXXX signed a least with another resident for unit XXXX on XX/XX/2019. She reported that I owed {$700.00} for the same month. I asked XXXX what happen to you refunding my deposit? She did not answer. I have never gotten a bill from this apartment complex until I applied at XXXX XXXX  in XXXX they do a background check with XXXX XXXX. Currently, I am XXXX  because of false information being reported.XXXX need to provide a least that starts on XX/XX/2019 or the false information should be taken off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
AccountS Frozen ; keep being told will close, no reasons stated, no questions answered. Frozen XX/XX/23 nothing has been done. Supervisors don't get back to me. 5hours invested with no answers. 

XX/XX/23Account locked, XX/XX/XXXXVerified acc. was told account was ok, funds pullback had to be completed, call back XX/XX/XXXX to unlock. XX/XX/XXXX told acc would be closed, no explanation, would mail check 7-10 days. XX/XX/XXXX nothing done went through process of closing acc. would be expedited and no penalties, told to call back on status 2 days. XX/XX/XXXX accountS still open nothing done. Someone will get back to me within 2 days with explanation. Some type of fraud investigation? No explanations, refused to answer any questions. 

I want my money back with interest and no penalties on CD 's

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a savings account with Purepoint Financial ( " Purepoint '' ), a division of MUFG Union Bank, N.A. ( " Union Bank '' ). The latter 's website states that I may request from Union Bank and its affiliates a document called the " Verification of Deposit '' ( VOD ) for my account, which verifies various types of account information, including the average XXXX balance, among other items. I have attempted to request this document for immigration purposes, and have encountered unreasonable difficulties as a result of Purepoint 's deceptive practices in and blatant refusal for honoring its own corporate policies. 

I initially requested the VOD on XX/XX/2020 over the phone from Purepoint. The document I received was merely the " Verification of Deposit Request '' form, and not the actual VOD itself. I called Purepoint again on XX/XX/2020 to again request the VOD. The customer service agent repeatedly and falsely insisted that what I received was the actual VOD document, even though the form I received was nothing more than a fillable PDF form freely modifiable by anyone, and it clearly states that it is a request form to be faxed to XXXX for requesting the VOD. A similar form with the same fax number is in fact freely available for download from Union Bank 's website.

I did fax in the VOD request form given to me, and received a response stating that the request could not be processed because of incorrect social security number and incomplete account number. The former is simply false, and the latter is because the form provided to me does not permit inputting a full account number. After requesting to escalate the matter, I received a call from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX from Union Bank, who advised me to use the Union Bank 's VOD request form, which does permit inputting a full account number. My resubmitted request for a VOD has generated no response even though the specified XXXXbusiness-day time frame has passed.

I again received a call from a customer service agent from Purepoint on XX/XX/2020. This time, instead of insisting that the document I was given was the actual VOD, I was simply told that I can not request a VOD, which is categorically false according to Union Bank 's own policies.

I have been a customer of Purepoint since its inception as a division of Union Bank, and have always kept a substantial balance in my account. I am deeply disappointed and gravely appalled by the level of dishonesty as well as the glaring disregard to corporate policies and customer needs this bank engages in, which have caused me enormous frustration for simply requesting a well-established document that verifies my account and deposit.

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 2020-09-18
Company: MST Financial Services, L.L.C.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I discovered Chapman Financial Services was attempting to collect a medical debt which I believe I do not owe. I started sending Chapman Financial Services letters via certified mail back in XXXX of 2020 asking them to verify the debt with my signature ( I will attach a copy of one of the letters to this complaint for reference ), and to remove the debt if it could not be verified. They sent back a list of my accounts ( which is not verification '' ) with only one containing a signature, and the signature was not my signature, yet did not remove the debt.

They have also called my wife 's employer attempting to collect this debt from me, while my wife was at work ( I will also be attaching photo evidence of this ). This incident happened XX/XX/XXXX of 2020, prior to my sending of the letters, I only recently discovered that contacting your family or their employers is a violation of the Fair Debt Collection Practices Act. My wife had to tell her boss and co-workers to tell Chapman that she does not work there anymore in case they ever called again, which was very embarrassing for my wife. 

On XX/XX/XXXX at XXXX a representative from Chapman Financial contacted me  in regard to my letters to see if we could settle the debt. I again explained that I believed I did not owe the debt and that I sent them letters. He responded with " Yes we sent you letters back verifying the debt '', I then responded that sending me a list of accounts is not verification and that they sent me back a signature that was not mine. The representative mockingly laughed at me and responded as If I would never be cleared of the debt, which I felt was rude, offensive, and abusive.

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 2022-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX this account was on open inconsistencies on XX/XX/XXXX as on the payment date are incorrect also the amount are also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: WESTERN UNION COMPANY, THE
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This complaint is response to CFPB complaints XXXX, XXXX, XXXX, XXXX, and XXXX. 

Western Union continues to stonewall my complaints. Their response to my latest complaint ( XXXX ) is again wholly irrelevant. It fails to mention anything specific to my complaint involving a transfer to XXXX XXXX XXXX XXXX. Instead Western Union strangely continues to talk about XXXX XXXX XXXX. 

I beg CFPB to actually read the complaints and compel Western Union to respond to the specifics of my case. It seems that CFPB is content to close the complaint upon receipt of any response from Western Union, no matter how irrelevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. While reviewing a credit report he found a fraudulent inquiry from Nationstar bank being reported to his XXXX and XXXX credit reports. This inquiry was made XX/XX/2018 and was done without his consent. In addition, his current home mortgage with Nationstar was accessed by the fraudster who then started the process of a home equity line of credit while on the phone with an agent from Nationstar ( Mr. XXXX XXXX ). Mr. XXXX never made direct contact with Mr. XXXX to verify if this activity was authorized even though my client has a 7 year fraud alert on his credit report. My client was made aware of this activity only after the finalized documents arrived at his home for him to sign and return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I RECENTLY VIEW MY CREDIT REPORT AND I CAN SEE A UNAUTHORIZED CREDIT INQUIRY MADE BY XXXX XXXX  ON XX/XX/2023 I WANT THIS IMMEDIATELY REMOVE BY LAW FCRA

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 2022-01-12
Company: Valor Intelligent Processing, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon contacting XXXX I was told they could not assist only to state the alleged balance and directed to Valor Intelligent Processing LLC a 3rd party debt collector. Valor stated they received my correspondence and the account was proven NOT fraud as they will continue to pursue! They could not produce relative facts as I demanded. I explained this inaccurate reported information is causing a hardship and needs to be removed. Not only is Valor Intelligent Processing LLC knowingly violating my consumer rights per 15 USC Chapter 41 they have No permissible purpose per 15 usc 1681b, they are knowingly causing tremendous pain to my family and I. This company is holding our family from getting a home due to them infringing my consumer rights.I attempted to handle this matter directly to no avail. Only to be mocked as I informed them once again how they are violating my law binding consumer rights. XXXX XXXX has to uphold the laws placed and is their civil liability per 15 usc 1692k. I will go to the extent of the law to get my due remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted AmeriSave Mortgage company on XX/XX/2020 and spoke with XXXX XXXX NMLS # XXXX and he told me to start the process I would need to pay a {$500.00} deposit that would go towards my loan, but was refundable if I didnt go through the appraisal process. I scheduled a call for an appraisal, but it was never set-up. So, I never went through the process. I was able to negotiate with my current mortgage company a lower rate and contacted XXXX XXXX on XX/XX/2020 to withdraw my application. He told me over the phone that it was withdrawn and when I asked about my {$500.00} deposit he told me that it was refundable since I didnt go through the appraisal process yet. I also sent him an email to confirm this as well. I called again on XX/XX/2020 to make sure my application was withdrawn and he confirmed that it was and that I would be refunded back my money. I continue to receive emails about this refinance application that I withdrew and have not been refunded back my {$500.00}. I spoken to several people and even left a voicemail for the supervisor of XXXX whose name is XXXX and have not received a response back. They are requesting additional documentation from me which Im not providing as I already asked that they withdraw my application and they refuse to do so. I even emailed their customer service department and left a voice message with no response back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Improper Use Of 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 2020-09-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent in a 30 day demand letter on verification of data furnisher reporting on my file and method of verification. I obtained a letter from the reporting data furnisher stating that they do not report information to the credit bureau reporting the information and the credit bureau sent a item verified letter from a reporting company that i had my files suppressed and froze via a certified letter from XXXX. see attached documents.

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 2020-09-18
Company: GSF MORTGAGE CORP
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with XXXX XXXX XX/XX/2020 on line. I talked with XXXX XXXX and submitted required documents after they ran my credit file. I had a pre existing approval months before and informed her about this and after she demanded I provided her with a new application and documents. She refused to continue the loan process and would not give reason for doing so.

I attempted to reach out the CEO XXXX XXXX who ignored my calls and emails. They encouraged staff not to interact with me and as of today have not provided anything in writing for there reason for refusing to do a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: VW Credit
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
ACCT # : XXXX Car 's XXXX # : XXXX About a year later after returning the lease, and getting a new lease with the same company " Volkswagen credit '' I received a " Turn-in invoce '' charging me {$800.00} dollars. As soon as I received this invoice, I called them to explained to them, that 6 months prior to this letter, Volkswagen Credit had sent me another letter, letting me know, that the account HAD BEEN PAID IN FULL, and no other fees were needed. 

In addition, they had already updated the balance to {$0.00} on my credit report, as well as to the status of " Paid and closed '' They explained to me, that the had sent me the " PAID IN FULL LETTER '' by mistake, and prior to them re-selling the car. I told them, that it was n't my fault, and that they are in violation of the Uniform Commercial Code, by charging me this fees, 1 year after returning the car back to them, and after I had already received a letter from Volkswagen Credit stating that I owed anything at all. 

Volkswagen credit told me that, they can not do anything but to charge me % 50 of the turn-in invoice, as a courtesy. However, i refused to because, they had already sent me a PAID IN FULL letter. This is not fair. 

I had sent letters after that, without any response from them, I had called many times without response either. I have been leasing cars from them for more than 5 years now without being late once! This is not a good way to treat a loyal buyer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fedloans Servicing has violated my federally protected consumer rights under the FCRA by committing the following action under the Truth and Lending Act 15 USC 1601 ( a ) Fedloans Servicing has violated my federally protected consumer rights under the FCRA by committing the following actions : 15 a USC 1681 ( a ) ( b ) 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) 15 USC 1681 ( a ) ( 3 ) ( e ) 15 USC 1681 ( a ) ( 4 ) Fed loans Servicing has also violated my federally protected consumer rights under the FDCPA by committing the following actions : 15 USC 1692 ( d ) 15 USC 1692 ( d ) ( 2 ) 15 USC 1692 ( e ) ( 2 ) ( a ) 15 USC 1692 ( g ) 15 USC 1692 ( g ) ( c ) 15 USC 1692 ( a ) ( 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XX/XX/1975 ss # XXXX  In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c XXXX XXXX XXXX XXXX  Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.

Company response to consumer: Closed with explanation