BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-09
Company: EQUIFAX, INC.
State: NH
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:
In my opinion XXXX Credit Cards have a flawed system of taking payments because for what seems like 5 seperate times over the course of a decade i have called in to their phone line and asked how much i should pay for the credit card bill to get the card down to XXXX   including all interest and for some reason they can never tell me the exact amount including the interest for the prior month so what happens is that i get a late hit on my credit score thinking that the account is paid in full when in fact theres an extra {$11.00} payment that needed to be made for the interest the month before. i think this is the fault of the people on the phone not understanding what i was asking for therefore they gave me wrong information.. and im talking 5 x in the past decade. I now have damaged credit because of the way that XXXX  takes payments and charges interest. it is misleading especaially when calling their credit facility phone number only to get wrong information. Now i cant buy a house because my credit is so poor because of all of the XXXX late hits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
went to buy a car and got about 100 inquiries from a dealership

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 2022-08-11
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: 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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates 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 2022-07-05
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: Investigation took more than 30 days

Complaint:
I have been disputing erroneous items in my credit for quite some time and I have not received any response from the bureau

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 2018-09-09
Company: Southwest Stage Funding
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX services, XXXX, left a msg, and XXXX called back-XXXX. I explained that I wanted to get a loan for a manufactured single wide home w/ land in a park, in AZ XXXX He stated that they only had VA and FHA loans. So we talked about FHA. He informed me that I would have to pay PMI on this loan, and no matter how much I put down, even 50 %, I would still have to pay it FOREVER! I said there there must be a time frame that this drops off, and he said no. Is this legal? I have owned 7 homes, and because of my wonderful credit history, I have never had to pay escrow or pay PMI. 
Same time frame, I had also been told by another company, XXXX XXXX, a mortgage broker in AZ, that I HAD TO USE a broker cause no lender works with buyers in AZ w/o a broker. They told me that they only used XXXX and XXXX XXXX for lenders. Sounds very crooked to me. 
Can you get some answers for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX I got several emails about credit card applications with Bank of America for reward cards for travel, and XXXX XXXXXXXX, University of Delaware XXXX XXXX XXXX XXXX card. I have attempted numerous times to call bank of america but the wait times are out of hand. I tried to make an appointment, but I don't have an account with them to use. I filed a police report with Sherriff 's Department in XXXX XXXX, MD where I live. Case # XXXX on XX/XX/XXXX with Deputy XXXX. I placed an initial Security Alert to my credit file with XXXX, XXXX and XXXX XXXX. I received a letter in the mail from bank of america stating my account ending in XXXX on XX/XX/XXXX claim number XXXX for amount of {$15000.00} and that they are working on my request. Today I received an email from bank of america to confirm my address. I tried to forward it to fraud @ bankofamerica but it wouldn't go through. 

I also received a letter from XXXX on XX/XX/XXXX that they have reviewed my account application and have decided not to open the account. I called XXXX I spoke to XXXX from XXXX XXXX XXXX, UT and she stated it was from the bank division since it didn't have a XXXX number for the credit side and transferred me but the wait is over 15 mins. I tried to use the messenger service on XXXX  website and they said I needed to call to talk to someone about it and gave me a number of XXXX and the wait time said over 10 mins and waited longer on hold with no one answering the phones. I have to work 12-16 hours a day and can't be on hold for long periods to wait to talk. I tried to schedule a time with Bank of America but I don't have a XXXX digit account number to give them so they won't schedule. Everything I have received from Bank of America the account number ends in XXXX and I don't recognize that number. I only have XXXX credit cards I use on a regular basis and I pay them off as I use them, but I do believe I may have had credit cards with these companies years ago but the accounts should be closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: CCS Financial Services, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent account is reporting on my credit from Credit Collection Serv Account # XXXX. This account is not mine. The reporting of this account is having an adverse effect on my credit files.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
From XXXX through XXXX I have had multiple late fees charged to my account. During that time I was informed ( via phone conversation ) I could schedule automatic payments regardless of the due date, and was informed that it would not affect my account. Within the past 6 months I have requested a copy of my phone records and was denied them ; Navient indicating that they do not provide those. I was attempting to find out who I spoke to regarding the automatic payments. Through the life of my loans I have had nothing but misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Barclay Bank  Delaware filed a lawsuit against me in the  Civil Court of Ne w Jersey ( without any notice to me ) that I owe them a debt in the amount of {$2600.00}. Furthermore, after reviewing additional documents from the court it shows  Barclay Bank Delaware requested {$2900.00} to be levy ; which does not make any sense.   I was unware of this debt and have had no knowledge of this debt until my bank account was levy on   XXXX   XXXX   XXXX     ; I have contacted the law firm  Barclay ban k hired to  VALIDATIE t he debt pursuant to  15 USC 1692g Sec. 809 ( b ) of the FDCPA however they refused to valid  ate because they received judgment from court because I was not present to dispute the debt.      Furthermore, after reviewing all the court records and no records from plain tiff (  Barclay  ) attorney it shows that no one has any proof that I was ever properly   served to appear in court to dispute the debt. On   XXXX   XXXX   XXXX    , I filed a motion with the  Civil Court Ne w Jersey to vacate the judgement. The motion was granted and all party was notified to appear in court on    XXXX   XXXX   XXXX      ; however, no party from  Barclay  attended the hearing to validate their claim, therefore judge released most of the fund from levy to the defenda nt ( I/Me ) and  advised I settle the claim with   Barclay and or file new motion/complaint to verify the debt.
Thus, It is imperative that Barclay Bank Delaware contact me thus we can resolve this matter. I will not hesitate bringing in separate civil complaint legal action against Barclay   Bank Delaware for Violation of the Fair Debt Collection Practices Act and Defamation of Character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This is in regard following account ; Alleged Creditor : XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY. 

Attachments : Driver License, Social Security card, FTC Reports, Police Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: General Motors Financial Company, 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 status incorrect

Complaint:
Regarding account number : XXXX GM Financial is currently reporting to XXXX, XXXX, and XXXX as Charge off. 
I called GM Financial on XX/XX/XXXX at XXXX at XXXX I spoke with a representative by the name of XXXX XXXX IDENTIFICATION NUMBER : XXXX ) to confirm the charge off status. The rep indeed confirmed that the account was in a charge off status. 
I am aware that Pursuant to 7 CFR 1956.54 the definition of a charge off is the writing off of a debt and the termination of collection activities without release of personal liability. 
According to this definition once a debt is deemed charged off then it must be written off with the IRS using form 1099C Once a debt is deemed charged off, then a copy of that filed 1099c must be sent to the consumer no later than XX/XX/XXXX of the following year. 
This account was officially charged off XXXX of XXXX therefore a copy of the 1099c that shouldve been filed with the IRS should have been sent to me, the consumer by XX/XX/XXXX. 
The rep XXXX confirmed no 1099c was ever sent to me, the consumer. 
If no 1099C was filed and no proof of the filed 1099c was sent to me, the consumer, then the reporting status of charge off is false and misleading representation and a violation of 15 USC 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX. This creditor has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under and open end consumer credit plan as late for any purpose.

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 2022-01-08
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm unfamiliar with this debt, I tried to discuss it with Convergant Outsourcing and got nowhere. I never received any sort of notice of debt. When looking at XXXX XXXX this account doesn't even show up. I only found out about it when I was looking for a mortgage loan and the lender pulled a credit report then notified me. I talked to Convergant earlier today, XX/XX/XXXX, and we weren't able to reach a conclusion. I was able to get a date of the initial start of this report of XXXX I forget what 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 2018-09-08
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns Furniture calls repeatedly from different numbers about my account. They start calling and sending emails and my account is not even 30 days past due. They love to call before XXXX on Sunday mornings and at least 10 times daily. They have even called my job, but I got that straight with them. It is just harrassment and I need it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, my ex-husband XXXX XXXX purchase a personal money order for alimony payment for me. The amount of the money order was {$550.00} and the money order number was XXXX purchased at XXXX XXXX XXXX. I received the money order on XX/XX/2021. I promptly took it to my personal bank which is PNC in XXXX Alabama. I just deposited the money into my account and received a {$10.00} withdrawal from that {$550.00}. In XXXX the first part of XXXX, the {$550.00} money order was wiped from my account from PNC Bank in XXXX Alabama. I have yet to get reason for this transaction. I have talked to both PNC Bank and XXXX XXXX XXXX about this issue. XXXX XXXX XXXX is shows me that the money order was purchased on XX/XX/2021. It was only deposited once and to my account at PNC Bank I have the deposit slip on that but I can not screenshot it because of the website but I do have a copy of the money order front and back with sequence numbers. XXXX XXXX XXXX is stating that they did nothing wrong and I have received several money orders in the past year once a month for alimony from XXXX XXXX XXXX. PNC Bank is opening an investigation because I asked them to on XX/XX/2021 and they then closed the issue out with their corporate on that same day XX/XX/2021. I understand that {$550.00} is not a lot to people but it is a lot to somebody that uses it for food, gas, car payment, bills or rent. My account is negative {$22.00} and change right now because of this situation and I am past due on XXXX different bills. XXXX XXXX nor my bank PNC are trying to help me I need to find out what's going on. Like I said they closed the case in XXXX day and not let me even know that they did that I had to find that out the hard way with PNC Bank. There's no reason why this money order XXXX, should be bad it was only cash one time from me and then you know they return back to the original place where they were purchased I talked to XXXX XXXX at XXXX XXXX XXXX she said it was only cash one time that was by me and she doesn't know why PNC is doing what they're doing. I talked to XXXX XXXX at PNC Bank try to make an appointment with her and she cancelled tue appointment then told me she was sending this to an " escalator team '' with PNC bank. She failed to give me any information on how to contact this team ( I will show the correspondence emails I have between these financial institutions and myself. Can you please help me in this matter soon so I don't lose my vehicle and so my credit score won't be sacrificed any more than it has been. 

I need this money. My ex-husband worked hard for it and so did I. My ex husband has XXXX XXXX and I have XXXX XXXX  XXXX ( which keeps me on a fixed income ). He nor I did anything wrong with this transaction but someone did. No one is wanting to fix this. 

Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 I was selling some items for the amount of {$750.00} & {$150.00} and the buyers stated they sent a total of {$900.00} via XXXX. Shortly after, I received an email from XXXX stating that I had received funds and they were put on hold due to my account limits. The buyers stated they received the same email and sent over another {$900.00} per what the email advised. I received another email stating that I had to request an additional {$900.00} to upgrade my XXXX account and confirming I received the additional {$900.00} the buyers sent. I received another email from XXXX stating I had to return the funds due to the " buyers protection '' program established to protect the buyer. I called Wells Fargo before I sent over funds and the customer service rep stated he was not sure what to do and said if XXXX emailed you it should be fine. The scammers impersonated XXXX and scammed me out of {$900.00} and now Wells Fargo does not want to credit the funds back even though I provided the email records where they impersonated XXXX. I think it's ridiculous that Wells Fargo does not advise their customer of the recent scam tactics being used. Such a big corporation and they do nothing to protect the consumer. 

Claim # XXXX - {$750.00} Claim # XXXX - {$150.00}

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 2021-06-07
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX / XXXX XXXX XXXX is reporting a charge-off account to Equifax and XXXX that is not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX / XXXX XXXX XXXX is reporting a charge-off account to XXXX and TransUnion that is not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I already reached out to the credit bureaus and to XXXXXXXX XXXX XXXX XXXX for the account number XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with explanation