BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Wells Fargo XXXX XXXX  did not respond or finish my accounts investigation on time as of XX/XX/2020, this company received my dispute yet has failed to mail me any response first of all this alleged account XXXX is not reporting to XXXX XXXX Reporting standards and violates the fair credit reporting act by failing to complete an investigation in a timely manner and failing to ensure maximum possible accuracy before furnishing this account The XXXX Credit Bureaus also report this account with Multiple errors and incomplete data

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-02-23
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my wife contacted our mortgage servicer ( Lakeview Loan Servicing , LLC ) to cancel our XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She was advised by the representative XXXX XXXX ) that we would receive a confirmation in the mail within 30 days ( by law ). 

By XX/XX/XXXX we still had not heard from the company regarding cancellation. My wife contacted the company on XX/XX/XXXX, at which time the company apologized, promising to remove the XXXX from XX/XX/XXXX escrow ( which they did ), and sent the Notice of Cancellation ( dated XX/XX/XXXX ) through the mail. 

At issue, are three items that I have been unable to resolve with my servicer : 1. We were charged three ( 3 ) additional times for MIP after we requested cancelation on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX according to our Annual Escrow Account Disclosure Statements. Each disbursement is in the amount of {$340.00}. I have had five ( 5 ) separate conversations with my servicer, always getting one of two responses ... " We will escalate the issue. '' " We have determined there is not a refund due, but we will escalate the issue. '' 2.The servicer took more than the time allowed provided by law to produce the Notice of Cancellation of XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX to XX/XX/XXXX ). 

3. At the time we requested our XXXX  be cancelled ( XXXX of XXXX ), our loan had already reached 75 % LTV. We have been trying to work with our servicer to have the XXXX balance refunded to us. We have asked for the XXXX  balance be refunded, to account for the point at which the loan hit 78 % LTV, and the time we requested the refund. During the last call I had with the servicer ( XX/XX/XXXX ), the escalation agent told me that some FHA loans have to hit a 11 year term before XXXX  can be cancelled. I tried explaining that since my loan closed prior to XX/XX/XXXX, I am eligible after five years. I got the same answer ... " We will escalate the issue. '' To recap, and since our servicer is treating the request as two separate issues, we are asking the servicer that two things be done to remedy the situation. First refund the XXXX, along with applicable interest accrued after XX/XX/XXXX. Secondly, refund the XXXX  and applicable interest accrued from the moment the loan hit the 78 % LTV mark, and XX/XX/XXXX. Of course, the second issue should render the first moot, but the servicer is treating each concern separately. 

As previously stated, I have been going back and forth with the servicer since XX/XX/XXXX to try to resolve this. I honestly believe they are prolonging this process in the hopes that we might forget about it. We will 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 2022-02-23
Company: Yamaha Motor Finance Corporation USA
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My payment due for this account : XXXX is on the XXXX of every month. My bank sent a payment on XX/XX/XXXX, and XX/XX/XXXX. Yamaha is attempting to charge late fees and is not honoring the XXXX XXXX XXXX of 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 explanation
Consumer complaint received 2018-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
My Bank of America credit card account was closed in XX/XX/XXXX. I continued to make payments until XX/XX/XXXX, and ultimately the account was charged off in XX/XX/XXXX with a balance in excess of {$5000.00}. A XXXX was issued in XX/XX/XXXX, which was filed with my tax return and paid to the IRS. Bank of America is still reporting the account as open through XX/XX/XXXX with XXXX and XXXX   ( XXXX is reporting closed status as of XX/XX/XXXX ). In addition, Bank of America is still reporting the aforementioned balance on all three credit bureaus. I have called Bank of America multiple times asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify 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 2023-10-31
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to perform a wireless transfer from my Marcus Bank savings account to my XXXX brokerage account but the bank locked my account ( without notifying me ) and it took many calls with customer serviced to unlock my account. Although I've had a substantial cash balance with this bank for several years, they nonetheless suspected fraud may be occurring with my account. Each time I contacted consumer service they could not explain why the lock was performed. And each time they assured me my account was being unlocked due to my answering a series of verification-related questions ; however the wire transfer still could not be accomplished. I decided to close my account, yet even this action resulting in a further lock of my account until I finally asked for a " supervisor 's '' assistance resulting in closure of my account and transfer of funds to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company has been violating my rights as a protected consumer. according to 15usc1681a ( XXXX ) ( A ) ( i ) '' the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' my payment history is in fact transactions between myself and the " person '' as described in 15usc1681a ( b ). I have sent a letter to the cra regarding these violations with no response. please remove the reporting of late payments on my report for account # XXXX and account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: R & B Corporation of Virginia
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This in regards to a validation letter that I sent to you on XX/XX/2020. You have yet again failed to reply back as required by the FDCPA. You claim to have sent several replies to me. That is a lie, I know this due to the fact that you do NOT have my current address on file. This makes violation number 5, and you are liable for statutory penalties of {$1000.00} per violation. You also further violate the FCRA every time you verify the account as accurate to the 3 credit bureaus, as well as updating the DOLA on a monthly basis. Close this account and send it back to the OC. You have been in violation since the beginning of this, I never received you first dunning letter, the only way I knew you existed is you were reporting on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Continental Finance Company, LLC
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:
This is in regards to the credit report I pulled on XX/XX/2020, I see at least 1 credit inquiries on my credit report from you. Section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately. There are several dates of inquiries on my credit reports Instruct the credit bureaus to remove these inquiries immediately!

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 2023-08-07
Company: EQUIFAX, INC.
State: LA
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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:
We epened on RV loan with Bank of America on XX/XX/XXXX this account was charged off on XXXX XXXX and reported closed to all 4 credit agencies we had an savings account with Bank of America, the first week of XX/XX/XXXX Bank of America made an unauthorized withdrawal of {$28000.00} from our account and applied it to the closed account on XX/XX/XXXX the account was reported closed again we filled an complaint with your office ( CFBP ) on XX/XX/XXXX and the money was put back in the account now Bank of America is reporting the account open to the credit agencies I have disputed this with all 4 credit agencies.

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 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent out 2-3 letter asking XXXX to verify and reinvestigate the Bankruptcy they say is accurate and also has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to 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 2022-02-23
Company: Experian Information Solutions Inc.
State: PA
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:
My identity was found on the dark web by someone who lives at XXXX XXXX XXXX XXXX, XXXX, PA XXXX, phone number XXXX. All of my information including ss #, address, phone number, birth date, etc. 

I was just served paperwork from local magistrate from XXXX XXXX, XXXX, and that I owe over {$1000.00}. I don't have any accounts with this company. 

PLEASE HELP!!!!! I have reported this with the FTC, in XXXX {$2000.00} was taken from my checking account through XXXX XXXX XXXX and Experian is reporting debt I do not owe, and when challenged, they added smut to my report, refusing to acknowledge the report to FTC.

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 2018-12-27
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I applied for a deferment in XX/XX/2018. On XX/XX/XXXX I was approved. I received a billing statement from Nelnet showing a XXXX balance due. As of XX/XX/XXXX I am receiveng calla from Nelnet seeking payment and late charges. I attempted to call but the customer service agent made no attempt to research my claim amd only offered to send me another deferment application even though I told her I had email verifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Tried to make payment and they would not accept payment. Keep calling. Sending emails and last one said they were going to report me to all 3 credit bureaus even after I tried to make a payment and it would not accept it. Days it's delinquent and it's not. XXXX and it's bank Synchrony. My payment isn't due until the XXXX of XXXX and I have been getting threats for 2 weeks ... And harassed for 2 weeks. This is awful. I'm contacting an attorney. 
I want you to help me. And XXXX has chosen not to credit my account for the pressure cooker I didn't receive. That was supposed be taken off my account months ago and it's still there. 
Thank you.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: OneMain Finance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX & XX/XX/XXXX ( XXXX Only ) 60 days late as of XX/XX/XXXX ( XXXX Only ) 90 days late as of XX/XX/XXXX ( XXXX Only ) These are on XXXX only, XXXX and XXXX are not reporting late payments. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: General Motors Financial Company, 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:
This is in regards to the credit report I pulled on XX/XX/2020, I see at least 2 credit inquiries on my credit report from you. section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately. There are several dates of inquiries on my credit reports Instruct the credit bureaus to remove these inquiries immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I attempted to contact Citizens bank using its website and received an error message. It seems that using this portal is the only way for a customer who does not use telephone to communicate with Citizens Bank. I am enclosing the message that I attempted to send to Citizens Bank using their website, but Citizens Bank website failed to accept my message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRUIST FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
On XXXX XX/XX/2023 I sent XXXX, XXXX and XXXX a Notice of dispute for account Numbers XXXX. The results of the investigation came back verified. Id like a copy of the investigation report, Date of contact, Name of person contacted, and what procedure was used to confirm the 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 explanation
Consumer complaint received 2018-12-12
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ALLY / XXXX XXXX : HAVE PROVIDED INACURATE INFORMATION ABOUT ME BEING ON A : LIST - OFAC SDN - US TRESUARY / RESERVE FOR XXXX AND DRUG DEALERS. THE INFORMATION PROVIDED TO ALLY BANK IS FALSE AS I HAVE VERIFIED WITH TRESUARY. MY CREDIT RECORD IS INPECABLE AND I DONT TRUST THIS COMPANY TO CONDUCT ANY BUSINESS WITH MY INFORMATION. US TRESUARY HAS AN ONLINE SEARCH TOOL, EASY ENOUGH TO VERIFY MY GOOD NAME. THE ACTIONS COMITED BY XXXX  XXXX  XXXX ARE FRADULENT. PLEASE BEAWARE THAT MY GOOD NAME WILL NOT BE TATRNISH. GET IT RIGHT OR GET OUT OF THE BUSINESS.

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