BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: BOK FINANCIAL CORP
State: NM
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:
On XXXX XXXX I started a dispute with XX/XX/XXXX to have my late mortgage payments from XX/XX/XXXX-XX/XX/XXXXto be removed. They removed all mortgage payment history not just the late payments. In XXXX of XX/XX/XXXXI filed bankruptcy and didn't reaffirm my loan so I understand why its not reported after XX/XX/XXXX. I have called my mortgage co., Bank of Oklahoma, and the bureaus to get my history prior to filing bankruptcy put back on to no avail. My score dropped over 70 points and am being given the runaround every time I call. I just want my old history back on my report and no one will help me. I'm trying to improve my credit and this has set me way back. Please help!! 
Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: WELLS FARGO & COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My account is set up on their auto-pay system. I had a payment that was returned. I have already set up for the next payment to process and called and spoke with someone at Wells Fargo letting them know that I am aware of the return and I would be making the payment on my next due date. I received a bill in the mail that doesn't show a return payment ; just a fee for the returned payment. I have received phone calls from Wells Fargo four times a day since XX/XX/2021 for my missed payment. I have asked them to stop calling me and they will not stop.

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 2017-09-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
>>CONSUMER COMPLAINT <<<

                                        

              EXPERIAN CONSUMER ASSITANCE SPECIAL SERVICES (CASS)

Dear CFPB:

        Pursuant to USC Title XV Consumer Protection Act 1681 the Fair Credit Reporting Act and the laws of Connecticut. Experian failed to check the veracity and accuracy of information before reported recklessly and intentionally failed to conduct data quality test and use reasonable care in the course of doing business. Violating the Fair Credit Reporting Act Title 6, Section 607 (b). failing to follow reasonable procedures and run data quality control checks on consumers file particularly accounts listed as XXXX, XXXX XXXX.

        EXPERIAN performed its obligations in a willfully, reckless and illegal fashion in violation of the Act and failure to maintain reasonable procedures and conduct validity and accuracy data quality checks to avoid violations of 605 of the Fair Credit Reporting Act and Fair and willfully ignoring provisions of the Fair and Accurate Transactions Act.

        EXPERIAN knowing the conduct of there business supervised, monitored and further communicated credit account information to creditors, redacted account history on numerous student loan accounts after consumer disputed inaccurate address information supplied by creditor, and placed additional disputed accounts in certain codes to not allow consumer to further dispute online without contacting EXPERIANS consumer assistance special services division (CASS), a legal division in their dispute center. Experian willfully placed consumer file in a department who was hostile to consumer. Consumer alleges unscrupulous activity by their consumer assistance special services representatives, acted in concert and joint venture with others at EXPERIAN to retain inaccurate account and data information, status and caused further pollution into consumer credit file and periodic damage to XXXX and XXXX scores.

        Experian manipulated information, intentionally communicated false information, altered changed and entered codes un-rating accounts, entering false negative account history, and deleted XXXX credit card and then removing such adverse data unknowingly by consumer.

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 2018-04-02
Company: Experian Information Solutions Inc.
State: TX
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:
To CFPB, thank you for the information you gave us on this matter, we previously sent a complaint to Experian # XXXX concerning old bogus addresses. I have not been punctual in getting back as quickly as I would like to because of my medical issues that I'm having with XXXX   being in and out of the hospital. In Experians response to us they indicated that they were taking care of this issue in a non monetary way and would remove the old bogus addresses and went as far as to send us another copy of my credit report showing only the correct address but did not show the others had been deleted as they state in their paper work description definitions such as " Updated, investigated, or deleted '' we have federal rights to this knowledge and Experian has a legal obligation to comply with the law, but once again they did not.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Incorrect account information

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 2022-07-22
Company: EQUIFAX, INC.
State: NJ
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. I am writing in response to a notification on my credit report. The file reported are inaccurate and erroneous and are leading to negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect. I was never late on these accounts. The late payment shown is in error. Please check payment records and provide documentation why these are reporting as late payment. These are good standing account. Again, please verify these immediately and correct the reporting error! 

XXXX XXXX  XXXX. XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and condifentialtiy under 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 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 XXXX XXXX XXXX XXXX XXXX  XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX TX, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy XXXX XXXX XXXX section XXXXXXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information ANY other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

XXXX XXXX XXXXXXXX ( A ) ( XXXX ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 opened an account with XXXX 's ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX and explained the problem. They accepted payment for {$350.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$610.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$280.00}.

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 2022-11-18
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for XXXX partial claim loan modification and resumed regular monthly mortgage payments per the modification arrangement. The home was still sold at a foreclosure auction on XX/XX/XXXX. Freedom mortgage said the resumption of payments with the loan modification would cancel the foreclosure and auction. They sent me paperwork in the mail saying I was approved for the modification, and also a separate notice prior to that approval that I had until XX/XX/XXXX to pay the default loan amount to avoid foreclosure. I also have an email saying I was approved and had to call and accept the loan modification approval which I did. I made my mortgage payment on XX/XX/XXXX on the phone with a rep from Freedom Mortgage and they said nothing about the upcoming auction on the home and took my payment.

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 2023-08-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I have filed several complaints against the credit bureaus. 

I am unable to receive funding for my business and the patented technology is loosing income because of this situation revolving around my credit report.. the amount of debt listed is not valued as much as the projected financials of the business plan for the company. 

I demand that the credit bureaus remove the 2 negative items from my credit report and clear off all hard inquires.. 

The credit bureau did not have my consent to FURNISH the account in such manner that can hinder my financial freedom and stop all of my businesses income. 

Please show me a CONTRACT that I have signed with the credit bureaus that allows them to accept my data or credit report and use it against me to prevent financial growth or debt consolidation.?

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 2021-04-06
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The ATM malfunctioned and ate my money and debit card then shut down. Bank staff unhelpful. Been a full calendar week now. No resolution. Ive called daily expressing the urgency of the issue. No credit has been issued while they handle it and they havent figured it out still. I keep getting told maybe tomorrow. Every single day. For a week straight. TD flat out stole my money and is holding it until they get around to it. This is criminal and has had significant impact on me personally and my family now. We havent been able to pay bills. We never will use TD again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have been getting charged a monthly fee of {$5.00} by Regions Bank for years when I was told by the bank when I opened the account that if I received a direct deposit that I would not be charged the monthly fee but I was still being charged this fee.

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 2023-08-01
Company: Penn Credit Corporation
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already paid the amount by check XXXX weeks ago and they still dont resolved my issue, I paid XXXX to XXXX XXXX they didnt send any notice to XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with Dovenmuehle Mortgage to complete a loan modification related to COVID-19. I have been actively trying to resolve this issue and bring my loan into good standing since XX/XX/XXXX. 

I have receive completely contradictory information, lack of response and incorrect information from Dovenmuehle Mortgage. 

Without my knowledge or approval Dovenmuehle entered me into a Payment Deferral Agreement that I can't afford nor did I agree to. 

I've submitted a Qualified Written Dispute to Dovenmuehle to the e-mail address one of their employees provided. That request was sent on XX/XX/XXXX, I have not received a response or confirmation of receipt as of XX/XX/XXXX. 

On every call I asked to speak to a manager who can actually provide clear answers and updates and I've been denied each time. I've had one employee hang up on me and others disconnect the line because I've advised I will hold as long as I need to speak to the 'Specialist ' Dovenmuehle indicated is assigned to our loan. 

The standard response from representatives of Dovenmuehle 's Loss Mitigation department is they can't speak to prior conversations or discuss why a co-worker provide information that conflicts with the information they are providing. 

It is extremely frustrating that a company is allowed to operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Randomly received a card with my name embossed and my address. Did not request a card from this company or provide any information to them

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 2018-11-12
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cancelled XXXX XXXX account on XX/XX/18 at XXXX. Spoke with XXXX at XXXX XXXX to cancel services effective immediately and pay final amount of {$210.00}. Conf # : XXXX. 
XX/XX/18 : Received collection notice from Radius Global Solutions regarding an account balance of {$94.00}. I paid this to avoid this amount reporting to the credit bureaus. 
XX/XX/18 : Attempted to speak with XXXX XXXX. I spoke with Customer Service agent XXXX who stated this account balance was to pay for XXXX. She was unsure why no bill had been sent prior to the collection notice. Spoke with XXXX who stated that she would " notate '' my account. 

I have attached my final XXXX bill as well as the collection notice. I have also attached the XXXX bill showing that I have paid XXXX directly as cancelling with XXXX on XX/XX/18 " unbundled '' with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have 2 XXXX accounts which is XXXX XXXX reporting to my credit. I should have only one. My card was stollen and XXXX replaced the card with a new card and number. Since then I have had 2 accounts with 2 different balances reporting to my credit report. I have disputed these items as well as contacted XXXX  about this issue with no luck. This extra account is making my credit score lower as well as credit utilization higher and my debt to income. I currently am trying to refinance my house and the company keeps telling me that I have 2 open accounts with XXXX which is causing an issue as explained.

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 2020-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 was hospitalized because I had XXXX XXXX XXXX XXXX XXXX XXXX. After XXXX and complications I was in and out of XXXX  for most of XXXX At that time I was unable to read mail or emails. In XXXX. I became aware that Bank of America had sent me notice that they were canceling my credit card due to nonpayment. My son made payments on my account XX/XX/XXXX {$3200.00}, XX/XX/XXXX {$3200.00}, and XX/XX/XXXX {$590.00} to pay the amount owed. I was told the account had been paid in full and was closed. I shredded the card and made no more charges. In XXXX XXXX I received an email notice that I owed {$15.00} on the account. I called Bank of America in XXXX and they said the account was closed so there could not be an amount owed and they would look into it. In XXXX.-XXXX  I continued to get notices with increasing amounts of interest added each time. I called again in XXXX and Bank of America responded that {$5.00} a month had been charged for 3 months for an on-line subscription to XXXX XXXX XXXX  XXXX. I had other on-line subscriptions that were being charged on the same card, but they all notified me that the card was no longer good and I provided them with new information. I'm not sure why the XXXX was notified like the others. In XXXX, I was applying for an auto loan and my credit report number came back considerably lower and the only overdue statements were this same account. That's why I called Bank of America in XXXX. First of all I was not physically able to pay and not able to notify any of my subscriptions. I don't think I should have to pay this bill.

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