BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was discharged from Chapter XXXX in XX/XX/XXXX of 2018, I have disputed these accounts to be updated correctly on my credit reports, and they have not been updated to show a XXXX  balance and included in bankruptcy. We are not approaching a year after this case was closed and still no updates. The following accounts need to be updated to show a XXXX balance and included in bankruptcy : XXXX XXXX XXXX Auto Loan-Balance showing $ XXXX-updated to XXXX balance included in bankruptcy XXXX XXXX XXXX Auto Loan-Balance showing $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX Credit card-showing as charged off-update to show included in bankruptcy XXXX XXXX XXXX Credit Card- shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy CXXXX XXXX/XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXXXXXX XXXX XXXX/XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX Line of Credit-shows as a charge off-update to included in bankruptcy XXXX XXXX Line of credit-shows as a charge off-update to included in bankruptcy XXXX XXXX XXXX XXXX-shows as a charge off-update to included in bankruptcy XXXX XXXX XXXX Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy.

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 2019-06-07
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 status incorrect

Complaint:
on XX/XX/2018 i made my XXXX payment to XXXX XXXX  XXXX. i called and asked them when will my account be considered 30 days late i was informed that the 30th was the last day ( whisch was recorded ). So on that day i went online to make my payment ( where i always make my payments ) & for some reason when i go on line its not showing that a payment was made on that day for some odd reason i beleived it was removed. at that time i was using my XXXX account to make payments. Prior to making this payment i was in PuertoRico. On XX/XX/XXXX i tried to use my XXXX card and was notified by XXXX that my account was being used somewhere else when i contacted XXXX i was told that all of my funds have been taking out of my account and that they will have to send me another card. so i immediately signed into my online banking and seen that XXXX has not yet taken out the payment so immediately contacted XXXX i spoke with a representative and explained my situation to her i asked her was i going to receive a missed payment she stated that i wasnt because my statement hasnt came out yet i asked her multiple times and still received the same response. A week later i was notified by the credit bureaus ( XXXX, Experian & XXXX ) that i received a missed payment from XXXX. I immediately contacted XXXX and requested that i speak with a supervisor when i spoke with the supervisor she said that she will request that the call be reviewed by the executive team and that i will receive a call within 72 hours if in fact i was told that i wont be receiving a missed payment then my late payment will be reversed ( which was also recorded ). So i called back in 72hours and spoke with a representative named XXXX XXXX i spoke with him about my situation and he put me on hold for 20 minutes just to tell me that he did listen to the call and he know that i was told that i wouldnt receive a missed payment but that was inaccurate so he basically told me that theres nothing that they'll be able to do. I have been with XXXX  for the last 3 years and never had a missed payment or a repossession on my account. please assist me with this i have exhausted all of my options. I will like to get the missed payment reversed the account is now in an active status and has always been.

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 2019-02-19
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: EQUIFAX, INC.
State: CT
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:
There are multiple accounts that are on my report that are no longer active and or closed that I can not remove because I am denied access to Equifax user login.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/XXXX, American Express ( AMEX ) report to the 3 credit bureaus that one of my Amex Blue accounts past due every month that I was under Chapter XXXX Bankruptcy to include payments paid on time when the Trustee made disbursement. My bankruptcy was paid in full on XX/XX/XXXX and discharged on XX/XX/XXXX, I called AMEX XXXX XXXX ) on XX/XX/XXXX at XXXX XXXX  EST to dispute the credit reporting. I also file a dispute with XXXX  and XXXX. Both XXXX  and XXXX  responded by mail stating that AMEX was correct. I called AMEX on XX/XX/XXXX at XXXX XXXX  ( 52 min ) to speak to a supervisor. The supervisor said the account was not reported to the credit bureaus but he was looking at the Platnimum which to was paid by the Trustee. The supervisor located the AMEX Blue and saw what it was disputing and said it would be correct in a few days. He marked the account closed on XX/XX/XXXX. Both AMEX accounts were closed XX/XX/XXXX by the Bankruptcy Chapter XXXX. To this day, AMEX has not correct the issue or contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: BARCLAYS BANK DELAWARE
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I have never used XXXX software, but in XXXX of this year, my credit card was used by someone else on the XXXX website. So I reported the problem to the credit card company. But credit card companies are unwilling to deal with this problem. They think its not a fraud. They only ask me to pay back the money as soon as possible. I am very dissatisfied with the way and attitude of the credit card company in handling this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TCF NATIONAL BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been a customer of TCF Bank for over two years. I have a home line of credit. I enrolled in online banking to accommodate payment. 

Over the course of two years the bank has changed my online banking user name and password, at different times without letting me know. I try and call and have spent more than 2 hours on the phone waiting. I have been able to perform a one time payment, but as of late, that window is gone from their website. Over the past 2 years, the bank continuously has gotten worse, and now I am completely locked out! 

I have been attempting to communicate with this bank for over 2 months to make a payment. Their only response was a generic return email with the online link and no other contact information other than the 1800 umber that places one on hold for days ... literally. Now The online system is not even taking my account number and no one is answering the phone, so I am only left with an automated email that sends me back to the website, and then we start all over again. 

As I write this, I am on my 4th hour waiting and I now, since we are in different time zones, their office is closed. I have a job, I have a XXXX  mother and kids in full shelter in place who need my attention - I can not stay on the phone for eternity. But I mean, who can stay on for days really? I am starting to doubt there is anyone really there. 

The main issue I have is that this will now affect my credit and I have learned from the past just how hard it is for a consumer to challenge that claim. This is completely unfair and I am at the end of my rope! I am tired of this professionalism and if I could, move my loan from this institution as it is gone from bad to extremely horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Im having a problem with Capital One Im currently going through XX/XX/XXXX and making payments of {$100.00} every time I make a payment whether its before or after its due date they continue to report it late even when I pay it early Im so sick of this I canceled the card the guy wanted to give me a lecture I dont wan na hear your lecture Ive tried to dispute so many situations with you guys and you do not care about the individual you only care about the dollar and the company I am writing to everyone I am so sick of the way you run your system and you wonder why people are broke homeless XXXX XXXX  and Im not one of those people Im a fighter I went to XXXX XXXX XXXX for four years I paid {$80000.00} to go toTo go to school

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a military star credit card with XXXX while I was XXXX XXXX. When I separated, I experienced a financial hardship when I left my husband due to extreme circumstances. I started to get letters from XXXX XXXX XXXX in the mail. I immediately began attempting to contact them, and have never been successful. I have used their website to send messages, contacted them via e-mail, called by phone multiple times, even left voicemails with my name and phone number. I can prove all of this. 
Despite my efforts to make payment arrangements multiple times, my tax refund was garnished, which paid most of the debt. Now, XXXX is attempting to collect way more money than I actually owe. My statement with XXXX comes regularly, and as of today ( XX/XX/2019 ), it shows {$2900.00}. Yet, I got a letter from XXXX saying I owe {$3400.00}. This is absolutely unacceptable and a lie. Interest is already charged by the XXXX. I have read multiple complaints about XXXX taking far more money than owed by veterans. 
I, yet again, attempted contact via website message as well as phone and voicemail. Depsite this, I recieved a letter from my employer stating 15 % of my pay will be garnished starting next month. I am a full time working, XXXX XXXX XXXX, mother, XXXX, and a veteran of the US XXXX. I really feel that this company is out to get me and when I start losing 15 % of my pay, I will be in extreme financial hardship. I understand I owe the money, but I have been trying to pay it. I'm not sure what else I could possibly do. Someone PLEASE help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Movement Mortgage LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was being told one thing one the phone then was told I had to sign something totally different from what I was told verbally. Each time I have asked questions I was threaded that if I did not do what was asked I would not get my house.

The Mortgage Company made me miss my original closing date which should have been XX/XX/XXXX due to them not turning in paperwork to underwriting as well as them not getting the paperwork over to the Title Company in time. I gave my credit card information on XX/XX/XXXX to pay for the appraiser. They call me onXX/XX/XXXX to try to bully me out of closing. Then then told me I had to sign to extend the closing or I would lose all of my money.

I also was given a final closing amount 3 days before closing then I was told 2 hours before closing that I had to bring {$1500.00} more to closing and if I did not I would loose all my money plus not get the house.

This Company has been harassing me. I have email proof that nothing else was needed now that I am in my house but this Company is still calling around asking things about me. XX/XX/XXXX I sent a email asking why is people from their company having people call to verify information when I already have the home and my loan has been sold. They refuse to answer this questions. I even only gave them written consent to verify information until XX/XX/XXXX.

This Company has even been calling my Employer trying to get me fired.

I pray that someone can please help me. I had taken it to Management and that is why I am now filing a compliant. They refused to solve my issue.

I even had to pay for a attorney on the behalf of the Mortgage Company and neither one of them showed up at closing and I still had to pay them or I would not get my house.

I cried the whole time I was at closing and was forced to sign papers and was told if I did not I would not get the house that THE XXXX  promised me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi. Equifax and XXXX XXXX continue to report false information on my CBR about an auto loan that was paid via XXXX and my gap insurance in XX/XX/XXXX. Equifax even reported my balance at XXXX  and a few months later reported a new balance. My car was totaled and I owe nothing. XXXX has continued to harass me and violate FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I telephoned XXXX in early XX/XX/XXXX and was told acct was paid in full. I had moved and never ever received a bill that acct was still owing. Never received notice from CBE Group that there was an outstanding balance. Upon learning of collection thru XXXX XXXX I immediately paid amount due to XXXX. XXXX lied about having sent me notices or USPS failed to forward mail!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

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 2018-07-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX, I am a XXXX resident. I traveled to New York by myself for a week and on day 4 ( Sunday XX/XX/18 ) of my trip, I attempted to withdraw cash from a Wells Fargo atm using the card free access code and found that Wells Fargo froze my account in the middle of XXXX XXXX at XXXX. I understood that the bank needed previous transactions verified on the phone and when I called them in I was told I was successful in doing so. I proceeded to try the Wells Fargo atm again. This time it told me I had exceeded the amount of times I could use an access code. I called the bank again and spoke to 3 representatives all which tried to send me a code via text and all resulted unsuccessful because it was all controlled by the database They all stated I would need to wait 24 hours in order to access my money. I was left in XXXX XXXX XXXX, in the middle of XXXX XXXX alone and with NO money to eat or do anything. I booked a ticket back to California that same day due to the severe amount of stress this situation caused me. In addition to this problem, Wells Fargo has charged me over {$400.00} in transfer fees/ {$12.00} ea time from my savings to my checking all in the last 7 months.

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 2021-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I made a purchase at a restaurant. Our waitress mistakenly charged the entire bill to my credit card even though we had asked for separate checks. 
She corrected the error and assured me my card would not be charged for the prior amount which she did not close out as she alleged and that would prevent it from being charged. Please note - My credit card is a Merrill Lynch Visa ( Bank of America owns Merrill Lynch and it is administered via my Bank of America website ) When I looked at my online credit card charges on XX/XX/XXXX, I saw a {$23.00} charge from the establishment in addition to my regular bill. 
I disputed the {$23.00} charge after troubleshooting the matter with the restaurant manager, who said he could not find the charge at all thus I would need to contact my Credit card company. 
So on XX/XX/XXXX, I disputed the charge online with Bank of America and I received the notice which I have attached to this complaint. It clearly and distinctly states, A temporary credit for {$23.00} will be applied to your account. Please allow two business days for your account to be credited as you can see in the highlighted area. 
On XX/XX/XXXX, a week later, there was no {$23.00} credit and I saw the {$23.00} charge still on my account. I contacted Bank of America and spoke with XXXX who told me ( a ) he had never heard of the XXXX time period for credits as he worked there for years and XXXX b ) said it could take from 7 to 90 days to resolve.

I requested he file a complaint as I have seen Bank of America issue temporary credits in the past, and I had documentation before me supporting this.

If there is conflicting information on their website, which I did not find, it is either ( a ) buried somewhere on it and not readily accessible and ( b ) it is inaccurate, given the documentation you see in my attachment. 
On XX/XX/XXXX, I received the letter you see on page 2 of the attached document, which is merely a non-specific, form letter, which is of no value. 

As of this day, there is still NO temporary credit issued as alleged would occur and is documented from Bank of America.

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