BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
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:
Ive noticed that there is a bankruptcy on my credit file for which I need to dispute. Ive disputed with XXXX and they have removed the Bankruptcy right away as it remained on my credit illegally for years. 

Please see to it that TransUnion and XXXX do the same too. Ive contacted the clerk of courts and they never verified items on credit files so Im baffled as to how a public record such as the BK is on my credit report!! 

I know for certain that the bureaus are in violation of the FCRA, Comprehensive Credit Act of 2020 sec 401 and other laws. At this point, Im entitled to compensation!! {$1000.00} per item! 

TransUnion needs to remove the Bankruptcy. 

XXXX also needs to remove the Bankruptcy. 

No negative items such as inquiries, late payments etc. should even be listed especially if none of its true for which none of the information can Be verified ln my credit file! Again none of this untrue info has been legally verified to be true.

If this isnt resolved soon, Ill be litigating soon!!

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 2017-11-20
Company: FIFTH THIRD FINANCIAL CORPORATION
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 received a credit report attributed to me ( my credit report ) from XXXX and XXXX. The gross errors are alarming together with the facts that I am falsely accused of an address I never had ; a bank account at a bank I never had an account ; a spouse listed which I never had ; a middle initial I never had ; a similar name to mine which belongs to someone else and has the same middle initial but a different middle name ; and the list goes on. It keeps listing a student loan outstanding. I never, ever even had a student loan or used one. And the list goes on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I wrote a personal check on XX/XX/2021 to XXXX XXXX XXXX XXXX, my neighborhoods HOA. At the beginning of XX/XX/2021 XXXX XXXX XXXX XXXX contacted me stating I had not paid them. I sent them copies of the check and the proof of funds withdrawn from my account to which they notified me that is not their bank and not their account. Bank of America is the bank who withdrew the funds from my bank account and deposited it into one of their accounts which is clearly not the payee listed on the check. Upon receiving this information I notified my bank, XXXX XXXX XXXX XXXX XXXX, to which my bank filed the claim mid XXXX. I had not heard anything from my bank until I called them today and they informed me Bank of America gave no response to their claim and there was nothing else they could do. My bank told me I was out the check in the amount of {$500.00}. Because of this taking so much time my HOA is now charging me {$590.00} for the funds being late. I attempted several times today to call Bank of America customer service which was a failed attempt to contact with anyone at Bank of America. 

The supporting document check photo attached states the bank account bank of america deposited my check into as well as my bank account listed on the front of the check. I am willing to bet bank of america has no issues holding my money and lending funds to make interest off of the funds that were never there's to begin with.

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 2020-05-07
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a medical debt being reported on my credit report to the credit bureaus by Midwest recovery systems. I spoke to a representative by the name of XXXX XXXX her phone number is XXXX XXXX she explained to me that this debt was for a medical bill that occurred last year in XXXX. I then explained to her that I havent went to the emergency room ever in my life so this debt couldnt be mine. She then checked the file and realize that the date of birth associated with this account was XX/XX/XXXX and I explained to her that my date of birth was XX/XX/XXXX so this is not me. She then told me she will have to put in a dispute which will take up to 6 weeks. This is going on 7 weeks and this is still being reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been a victim of identity theft for several years. Around XX/XX/XXXX, Department of Revenue sent me a bill of {$700.00}, which is supposedly a loan debt, which I did not recognize. In contacted IRS, filled out dispute form, and they fixed issue and told me I no longer owed that amount. I received a loan debt of {$700.00} from XXXX XXXX, XXXX on XX/XX/XXXX, under an account opened in my name. This creditor states that this account was opened XX/XX/XXXX and the original creditor is XXXX XXXX XXXX XXXX. I filed a police report and sent a letter of dispute. Then the debt collector notified me by mail, XX/XX/XXXX, stating that they have ceased collection activities and have closed my account back to the current creditor ( XXXX XXXX ). Then on XX/XX/XXXX, this debt collector sends me another letter stating that I owe {$700.00}, because there is insufficient information to support my claim that this is a fraudulent account. I went through the steps with Federal Trade Commission, set up an account, and filed another police report. On XX/XX/XXXX, I receive another letter from this debt collector saying that I can resolve this account for significantly less than the balance of {$700.00}. They gave me the options of making one payment of 40 % of the balance, making 6 payments of 50 % of the balance, or 18 payments of 60 % of the balance. I refuse to make any payments on an account I didn't even open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Someone hacked into my personal Venmo account and applied for a credit card on Friday XX/XX/XXXX. After getting approved for XXXX via my account they made a transaction for XXXX dollars through a venmo store. Then at XXXX XXXX they made a transaction for XXXX to another venmo account. I was logged out of my personal venmo and thought it was strange. Created a new password and noticed these charges. I then immediately contacted the Venmo customer service and they claimed they resolved the issue. My Venmo account is now frozen and I never received a formal email describing that would happen. Nor did then representative on the phone explain that my entire account would be frozen. Im very concerned as to how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken loans went up on my mortgage payment from {$680.00} to {$860.00} due to taxes and insurance escrow account. Is n't there a certain percentage that they can do this. This seems very unfair. This is a {$170.00} increase. I was already struggling to pay the XXXX due to income loss. I feel like they should have made increases amounts over a certain period of time. I am not happy to get an increase after refinancing with them XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
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: Account status incorrect

Complaint:
I have a mortgage with XXXX/XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX/XXXX XXXX   with no successful resolution. XXXX, XXXX, and Equifax reporting me 150 days late payments. There was an error on their part. I was never 150 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
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: Account status incorrect

Complaint:
I have a mortgage with XXXX/XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX XXXX and  they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX/XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX  reporting me 150 days late payments. There was an error on their part. I was never 150 days late.

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 2021-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
On XX/XX/2021, i was making a credit card payment at a Bank of America atm, I submitted check # XXXX for XXXX, when asked to confirm the total I accidently punched in {$2100.00} and hit confirm. I notified the charge card company in five minutes and told them that on Monday when they serviced the atm to apply the check for {$490.00} to the credit card and to credit the {$2100.00} back to my XXXX XXXX account, they did this on XXXX correctly however on XXXX XXXX they resubmitted check # XXXX for {$490.00} to XXXX XXXX and got a duplicate payment, when notified they said they had not done that and that i owed the {$2100.00}, which was a number I accidently entered on the atm I never owed that much. I filed a fraud complaint with XXXX XXXX against Bank of America getting a duplicate payment. They got the duplicate payment back, but Bank of America claims they paid my XXXX XXXX account twice for {$2100.00} once on XX/XX/XXXX and on XX/XX/XXXX, they never did the duplicate reimbursement on the XXXX only on the XXXX of XXXX.. I have my bank statements to prove this. On XX/XX/2021 I went to the XXXX XXXX Bank of America hoping they could direct me in correcting the problem I talked with assistant manager XXXX XXXX she took copies of my XXXX  account and sent it to the credit card section, i called collections on XX/XX/2021 and talked with XXXX XXXX he stated he didn't have the copies. I need the {$2100.00} ( {$2100.00} plus late fees and interest ) removed and my credit fixed if it was reported to the credit bureau negatively. This bank has a history of fraudulent dealing with interest and erroneous fees I have closed this account paid off my mortgage with them and I am going to close my banking account with them, crooks for sure no respect for a customer of 12 years who has paid them XXXX in mortgage payments/Interest I think I would listen to that customer, All the reps lie XXXX from XXXX Fl hung up on me I talked to about 15 reps all were rude uneducated working with outdated data and computers. I want this over

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 2021-09-16
Company: EQUIFAX, INC.
State: GA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CNG FINANCIAL CORPORATION
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I was contacted by a company called XXXX and was told I had a " summons '' and if I didn't pay $ 900+ a judgement was to be entered against me. I asked for what and where. I was told it was a " payday loan '' from 7 yrs ago, that I had STOPPED paying. I asked further about non-existent summons, told them I live in Arkansas and " payday loans '' are illegal. I was told it was from a XXXX  XXXX XXXX but they could not tell me where. They had at least the last 4 digits of my social security number. I also contacted XXXX  XXXX XXXX after looking them up online and was told the had no record of me having any loan from any of their locations. It was either a scam or someone has used my identity. The number I have for this XXXX is XXXX. My name is XXXX XXXX as and can be contacted by XXXX, or XXXX Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and someone stole and used my personal information to open a XXXX XXXX XXXX Checking Account : XXXX and Money Market Rewards Savings Account Ending In : XXXX, the accounts are fraudulent, unauthorized and do n't belong to me. I have never had or opened an account with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: GA
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:
Hello i was looking though my credit report and i no idea where Theses inquiries came from. I went to the dealership with my loan that I got from the credit union and I did not give them permission to run my credit for a car that I was going to purchase because I was using my credit Union company and they used my credit without my permission. I was already approved for a loan though my credit Union it is now On my credit and I will like for it to be removed for improper used or credit. I dont recall giving them permission to pull my credit

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 2018-03-10
Company: Shellpoint Partners, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had filed XXXX XXXX and had paid off everything. Shellpoint stated I still owed {$3400.00} to them, which was part of XXXX XXXX XXXX. I paid that amount and my XXXX XXXX was discharged in XX/XX/XXXX. I received a statement from Shellpoint stating I still owed {$1200.00}. I have made many calls and mailed letters showing everything was paid. They have said they would clear this up, but as of XX/XX/XXXX. XXXX they haven't. I would like this matter cleared up and a statement from them stating I have never been late. 

Thank you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX I called Naviant to request to remain on their Rate Reduction Plan that I have been on for several years. After much discussion with the individual I spoke with, XXXX, she spoke with her supervisor and he requested I fax them the last 3 months of my bank statements. I did so on XX/XX/XXXX referencing my acct # XXXX at a cost to me of over {$30.00}. Since then I received no follow up from them on my request from either XXXX or her supervisor, but just an E-mail stating my next payment due on XX/XX/XXXX will be for {$580.00} instead of my current payment of {$300.00} almost 95 percent higher than what I was paying monthly. There is absolutely no way I can afford that increase as I am on a pension and Social Security only and can not at my age, XXXX, take on anymore part time work due to failing health and other financial obligations all of which I explained to XXXX in great detail. After I repeated all the details to XXXX she stated it looked like I had about {$51.00} left over ever month. Since I initiated this loan in XX/XX/XXXX I have paid them over {$30000.00} from the original amount of {$45000.00} but I still owe them {$48000.00}. I also explained to XXXX that I have taken out 3 different insurance polices with XX/XX/XXXX XXXX that amount to {$50000.00} just to cover my debt to Naviant when I pass away. My youngest daughter is the beneficiary of those policies and it is her best interest to use the funds to pay off the loan because she is listed as a co-borrower. Please contact them at XXXX to ask them to extend my Rate Reduction Plan for the rest of my life and quite trying to get more money out of me every year. Last but not least I am a XXXX veteran. Best regards, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: NV
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 have disputed the late payment status reported on the accounts  XXXX/XXXX  XXXX****, XXXX  XXXX****, with XXXX  and Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please I’m looking to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
Company: WELLS FARGO & COMPANY
State: NC
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 a credit card that I rarely used at the time, but now no longer use at all. It had a XXXX balance last time I checked it. There was a fraudulent charge from XXXX on XX/XX/2018 for {$110.00}. On XX/XX/18 I realized that my credit score on XXXX XXXX had been impacted, so I looked into the situation. I noticed the fraudulent charge and then promptly disputed the transaction with Wells Fargo. They refunded the amount and the late fees on XX/XX/2018 and considered the dispute closed. I reached out to them again to let them know that the reported late fees were still affecting my credit reporting. I reached out to XXXX, XXXX and XXXX to report the issue and raised a dispute with all three bureaus. One bureau has the late payment still under dispute and the other two have reported it as resolved with no error found. My credit score dropped from around 795 to around 650 on the other two reporting agencies. Disputing a reported item will cause it to be excluded from a score, so my other score is still around 795. This is now a huge problem because my husband and I are trying to buy a house and his score is around 800. The lenders are giving us rates 0.375-0.5 % higher just because of this unresolved issue on my credit report. I am now not sure which way to go about this now. Wells Fargo has been no help.

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 2019-05-08
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
I have a car loan with TOYOTA MOTOR CREDIT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MOTOR CREDIT with no successful resolution. XXXX, XXXX, and XXXX only reporting me 90 days late payments. There was an error on their part. I was never 90 days late.

Company response to consumer: Closed with explanation