BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I applied for insurance with XXXX on XXXX XX/XX/2020. XXXX declined stating Trans union reported to XXXX The number of bank installment accounts is 3. I called Trans Union and they could not identify 3 open bank installment cards for myself. As a result my home insurance increased $ XXXX and I received no bundle discount for home and auto. I have two credit cards one for me and one for my wife. I pay my 2 credit cards fully every month.

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 2018-03-28
Company: EQUIFAX, INC.
State: MN
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 am a victim of identity theft. The following accounts and credit hard inquiries listed on my Equifax, XXXX and XXXX XXXX credit report are fraudulent, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, XXXX threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXX XXXX credit card accounts. XXXX XXXX XXXX is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXX XXXX   credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
For a savings account promotion, the bonus requirement is tiered like this : deposit 20,000+ dollars and maintain 60 days you get XXXX dollars credit ( deposit 5,000~XXXX for the same time, you get XXXX ; 10,000~XXXX, you get XXXX ; 20,000~XXXX, you get XXXX ; 50,000+, you get XXXX ). I met the bonus requirement and received their mailed congrats letter saying " Your {$100.00} bonus has been deposited ''. The correct amount should be {$200.00}, instead. 

I made several phone calls to escalate the issue and ask their preferred customer team and marketing team to research into this. They have checked my account and agreed with me over phone that I am eligible for the {$200.00}. They have created two case numbers : the newer is XXXX. 

The original reference number on the bottom of the letter they sent to me is : XXXX. 

I spent almost 3 hours in total talking to them over the phone. What surprised me is they just created a case and then no follow-up. Now I have to spend another half an hour to escalate on CFPB. 

There seems some glitch with their ( Bank of America 's ) bonus tracking system. We've seen many complaints about bonus not tracked correctly for their various promotions on CFPB. It's time for their IT team to fix this and save customers ' time.

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 2020-09-09
Company: CAINE & WEINER COMPANY, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a federally protected consumer and I am requested validation of the alleged debt with Caine and Weiner. The document was received on XX/XX/2020 and I have not received a response from the company regarding the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I reviewed my Equifax credit report online. I discovered that Equifax is reporting that I have two identical open accounts with XXXX XXXX. I submitted a dispute online. On or about XX/XX/2020, I called Equifax and spoke to a representative. I explained to her that I only have one account with XXXX XXXX, not two, and I would like to have one of the accounts removed from my credit report because it was hurting my credit score. She advised me that the dispute was still pending and XXXX XXXX reported that I have two exact accounts. On or about XX/XX/2020, I reviewed my Equifax credit report online and I discovered that Equifax closed my dispute without reporting their investigative results and the XXXX XXXX  EXACT accounts remain on my credit report. This wrongful information is hurting my credit score and preventing me from getting a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: ALLY FINANCIAL INC.
State: NV
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:
XXXX  has been non-compliant with removing the unverified account ALLY FINANCIAL Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2020-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY IDENTITY WAS USED TO OBTAIN GOODS WITHOUT MY CONSENT OR KNOWLEDGE I DID NOT AT ANYTIME APPROVE OR WAS AWARE OF ANY SERVICES THAT THE PERSON WHO USE MY IDENTITYNTHE ACCOUNT WERE OPEN FRAUDGENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX   and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job due to the COVID-19 pandemic. XXXX XXXX XXXX and California public health officials have issued shut down orders to prevent the spread of COVID-19. We are 5 people in our family me my wife and our 3 kids. we have no money and our mortgage company is not giving a forbearance option, my business is still shut down, and have not got the approval yet from the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX to reopen our business, Our XX/XX/2021 mortgage statement shown we had positive {$1100.00} positive escrow balance and I requested from lender to release it back to us that way we can buy some food and kids school clothing but I don't know what they did with the money, we are getting $ XXXX  monthly food stamp for 5 people which barely get us by, I try to get a job but no luck and also no luck for reopening our family business. also, they add a late fee every month on our mortgage even though we were on the forbearance with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX account XXXX My Job with XXXX XXXX ended XX/XX/2020 because of covid 19 I explained that to the Bank, that i was covered by the Cares Act, please remove late payment. 

XXXX XXXX XXXX account XXXX XX/XX/2020 reported late payment., my job was eliminated do to covid 19,  covered by cares act, they would not remove late payment. 

XXXX XXXX  XXXX card account XXXX reported my account late in XX/XX/2020, my job with XXXX XXXX wasa eliminated do to covid 19, covered by the cares act.

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 2018-02-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Equifax. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Equifax has failed to provide the method of verification as required under Section 611 ( a ). 

Equifax has not only failed to provide verification ( written documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Equifax updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 bought this unlocked cell phone XX/XX/XXXX via the Internet on XXXX ( see receipt attached. ) Immediately after receiving it I used my XXXX & XXXX SIM card into the new phone and turned it on. The new unlocked global phone I received from XXXX did not detect cellular network at all. XXXX & XXXX representative could not resolve the issue. I attempted to return the defective product on XX/XX/XXXX via XXXX website. Seller refused to take it back, provide return shipping label or provide return authorization code, or anything like that. I reached out Bank of America to start a dispute on XX/XX/2018. On XX/XX/2018, Bank of America requested additional documentation about this purchase and also confirmation from local repair store that phone is defective. I asked help from phone repair specialists at XXXX XXXX ( located in XXXX, TX. ) and they explained that they can not repair it and provided written and signed statement ( see attached. ) I provided this documentation to Bank of America in a timely manner. Despite providing all evidence that product shipped to me is defective Bank of America refused to approve my claim.

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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not give these company permission to put anything on my credit report such as inquire and charge off. XXXXXXXX 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 I would like all negative 's report removes for my privacy.

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 2021-04-09
Company: CARD Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received a card in the mail from card.com, sponsored by XXXX. I have a freeze on my credit because someone is desperately trying to open accounts with my information. XXXX refuses responsibility and refers me to the number on the back of the card which is to activate the card. I contacted XXXX  through email and they still decline responsibility. Card.com is nearly impossible to reach by phone. It is a bot which says my information doesn't match ( likely they changed it by now ). I can not understand how they approved the account and they won't reply to my emails to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Williams & Fudge, Inc
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 William 's and Fudge added a collection to my credit report in the amount of {$520.00} and I don't know why. My credit score dropped a lot because of this, almost 90 points. 
I have never heard of them before nor have ever been contacted by them either by phone or in writing. It says that I owe them {$520.00} and the school listed is XXXX XXXX XXXX College. I haven't been to that school in almost 5 years and don't remember owing them anything. I have students loans through XXXX but pay on those monthly and on time through Federal loans. It's unfair that William 's and Fudge added this derogatory mark to my credit report without even trying to contact me first. I don't believe I owe this money. I have a copy of my final billing statement with XXXX and it doesn't say I owe them anything. Since leaving college I still have the same phone number and mailing address which the college still has. Please help. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We requested an equity line of credit from US Bank in 2011. Instead they sent us a check for the amount of the credit line. We immediately returned the money to the bank, informed the bank of the error and requested for the account to be closed. We were made to believe that this has been done. About a year ago US Bank started sending us bills saying we owed them service fees for the past ten years because they never closed the account. The records clearly show that the money was never touched, we never used any credit and there were never any transactions on the account. For the past year US Bank has been giving us false promises of closing the account and zeroing out the fees and bounding us from person to person, hanging up on us, etc. This is an extortion attempt by the US Bank and is unacceptable.

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 2020-12-13
Company: Ocwen Financial Corporation
State: CA
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:
This is 2nd complaint about the loan modification flag on my credit for the months XXXX and XXXX. The company responded that they made a mistake in XXXX. But has not corrected XXXX. I have not requested a loan modification. The company sent me a letter acknowledging their error for XXXX but has not sent a letter acknowledging the XX/XX/XXXX issue. The XXXX report is the same type as the XXXX and XXXX errors and is evident by way of their own written notice to me admitting the error they made the same error in XXXX and XXXX. Attached is the letter as well as the credit reporting for XXXX. In the letter they state they are reporting the loan u der a non governmental plan for XXXX, this is not correct. Please see the credit alert attachment clearly states " LOAN MODIFICATION " as of XX/XX/XXXX. PLEASE CORRECT YOUR ERROR AGAIN. These fraudulent reporting is negatively affecting my credit. What is my legal recourse? At what point does this become fraudulent!! At what point do their action become criminal. Please contact me with legal recourse I formation CFPB.

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 2018-06-29
Company: CHOICE LENDING CORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My loan officer was misleading me from the very beginning. When I had originally backed out of my first house he calls me and asks me why I did. I tell him all the issues with the house and his response is that he heard that the house wasnt " that bad '' and that I should've gone through escrow first to see what they were willing to fix. I was taken back by everything. I couldn't believe that my loan officer was almost pushing a house I didn't want on me. So I get to a house I like and it's time for escrow. I lose XXXX dollars through wire transfer. He called me and I tell him I got fraudulent wire transfer instructions through my realtors email address ( which she claims to know nothing about ). He said that not to worry he had a good feeling that the bank would take the hit and my money would return to me. This is false. Banks DO NOT guarantee wire transfers. It's as good as giving someone cash. So a couple days later I want to back out. My realtor calls my lender who then calls me and tells me everything will be ok and I was promised everything under the sun. It was all a lie. He knew that the money was going to get spent and he never advised me differently when the money was lost. He just kept going as business as usual and I believed him.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: MO
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 submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Credit bureau is showing an incorrect address as my previous address : XXXX XXXX XXXX XXXX, OR, XXXX I have never lived at this address, therefore please delete it.

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 2021-04-09
Company: M&T BANK CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/13, I used XXXX twice for what turned out to be an imposter posing as a friend of mine on XXXX. Needless to say, the promised grant funds were never delivered. This involved {$1000.00} and then {$1000.00}, totalling {$2000.00}. I immediately recognized the scam that even and started a dispute process with the bank. Needless to say, a month later, escalating the matter to everyone but the CEO, I am still getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
The servicer of my student loan was transferred from XXXX XXXX to Nelnet.  I did receive physical mail notification of the transfer ; however, upon establishing an online account with netlnet I was notified of a loan balance that appeared much higher than the balance disclosed to me online via XXXX XXXX during the months prior to the transition. 

I called XXXX XXXX to obtain a record of my loan balance prior to the transfer to Nelnet, and after being placed on hold multiple times prior to being reconnected to the service representative they were unable to provide me with my student loan balance at the time of transfer to Nelnet. 

I am concerned that the balance reflected at Nelnet is overstated and I have no means to reconcile my ending balance at XXXX XXXX prior to transfer to what now appears on Nelnet ( my new servicer ).

Company response to consumer: Closed with explanation