BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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. Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED these fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting these information on my Credit File without Proper Verification nor Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$5600.00}, XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$2400.00}

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 non-monetary relief
Consumer complaint received 2017-09-27
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is regarding My business account with KEY BANK XX/XX/XXXX received a letter stating they will close my account beginning from XX/XX/XXXXand totally by XX/XX/XXXX- they gave me a reason of closing account of " the reason for closure is that your account relationship poses excessive risk to the bank. '' My background is from XXXXXXXX XXXX. I have tried to talk to the compliance department and giving all of my paperwork that they need to leave account open. When i go to the branch and make deposits I get that notion that they do n't want me there, and one day when i was at the branch I heard in the back someone said they do n't need my kind there. Now i could of return to them and said stuff back at them out of anger. But i left and that 's when i have gotten the letter in the mail of account closure. That is clearly against my right. to have been treated like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In year XXXX I had lost my job and couldn't make any payments I contacted Ally Financial about my situation now in XX/XX/XXXX my kid Dad had took my car to the store and supposed to come back that day so a week in a half went by been calling XXXX XXXX XXXX to bring my car to my resident he never brought my car back so I contacted the police they told me to wait ten days if he doesn't bring it back than call to report it stolen so I called my kid Dad and told him to bring it back he still hasn't so the next day I called the police again to find the location of the car it was towed away by XXXX XXXX in XXXX Texas I called Ally Financial and let them know that my car was not at my residence and that it was towed away at my kid dad resident so in XX/XX/XXXX XXXX XXXX XXXX  had sold the car to someone in California all and all I just couldn't afford the car and my kid dad never help me to get my car back and now I'm stuck with {$14000.00} balance on my credit it just been really hard on me these past few years I have no job no car and XXXX XXXX XXXX XXXX XXXX XXXX kids So just gotten a collection letter from XXXX XXXX XXXX XXXX XXXX is a debt collector on XX/XX/XXXX for Ally Financial

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 2019-07-25
Company: AMERICAN EXPRESS COMPANY
State: CO
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 not used this card since XX/XX/XXXX, paying the balance in full on XX/XX/XXXX. When I logged in on XX/XX/XXXX to see that everything was in order, I saw a balance of {$150.00} and a notice that my account was " past due. '' The accrued charges include several from a fraudulent company called XXXX, who I first reported and disputed on XX/XX/XXXX. American Express decided the dispute in my favor and acknowledged the charge was fraudulent, but DID NOT replace my card or change my number, and failed to block future charges as I was charged again the next month. After much correspondence, American Express finally agree to block this company, yet now it seems I have continued to be charged and American Express has apparently reported me for late payment at their own error. The charges also included fees, due to the banks own error, and an additional fraudulent charge using my card - likely initiated by this same company. Since XX/XX/XXXX I have repeatedly attempted to dispute the charges and report the fraud, but have " encountered an error ' on every single attempt and have been put on ridiculously long holds every time I've tried calling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-14
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Second request : Please tell me the specific total amount of principal paid on my mortgage and the total amount of fees added to my mortgage. DO NOT SEND ANYTHING ELSE! JUST PROVIDE THE TWO TOTALS REQUESTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Home Mortgage recently transferred my home mortgage loan to XXXX XXXX XXXX. The documentation I just received from WF included a loan modification agreement. I didn't have a loan modification with Wells Fargo so I need to know exactly why they sent me paperwork about it. I agreed to a loan mod with WFHM in early 2020. Because of the pandemic, I did not get the paperwork signed and notarized by the date specified by WF, and they cancelled the loan mod. I did not apply for a loan mod after that time, nor did I sign any paperwork for a new loan mod or get paperwork notarized. I would like a response from WFHM explaining why loan mod paperwork was given to me. If they are claiming I have a loan mod, it is a fraudulent loan mod on the part of WF.

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 2021-04-10
Company: LEXISNEXIS
State: NY
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:
Depsite having a XXXX credit score, no evictions no collections. This company reported that I had negative items on my file resulting in a denial of service ( XXXX XXXX XXXX ). 

I want a copy and i want items corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On all XXXX XXXX flights, the flight attendants advertise that the AA Advantage Aviator Credit card will get you XXXX bonus miles with a single purchase such as a candy bar. They also state the XXXX bonus miles can get you a round trip ticket to anywhere in the United States. I applied for and got the credit card and the incentive. The misleading and false advertising part is XXXX bonus miles cant get you a round trip ticket to anywhere in the United States. It doesnt get you very far at all. Furthermore, XXXX XXXX does not let you combine points and money to pay for tickets. Its either you pay for the entire ticket with points or on credit. This is complete nonsense and every single flight attendant on every single XXXX XXXX flight is telling their customers that they can get a round trip ticket to anywhere in the XXXX if they apply for their credit card.

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 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
FACT : Im submitting this complaint myself and there is no third party involved. TransUnion LLC, and XXXX has continuously placed a false public record on my consumer file that has had a detrimental impact on my livelihood. They are reporting a Bankruptcy on my credit when there is no public record to be found. I have had my consumer report ran through several consumer reporting agencies and they all confirm that there is no judgement or public record attached to XXXX ( see attached consumer reports from other consumer reporting agency ). I have contacted the courthouse where this alleged Bankruptcy was filed, and they said they have no record NOR do they sale this information to third party consumer reporting corporations. Because of this false negative allegation, I have been forced to move into a horrible part of my city and pay three times the rent. I have contacted TransUnion LLC, and XXXX multiple times and all they keep saying is they'll start a dispute process. As a consumer I did not give TransUnion LLC, NOR XXXX written permission to house ANY information on my person, public or private. They are in clear violation of 15 U.S.C. 1681 ( a ), 15 U.S. Code 1679b : ( a ) In general No person may ( 1 ) make any statement, or counsel or advise any consumer to make any statement, which is untrue or misleading ( or which, upon the exercise of reasonable care, should be known by the credit repair organization, officer, employee, agent, or other person to be untrue or misleading ) with respect to any consumers credit worthiness, credit standing, or credit capacity to and the Illinois States Attorney General has been contacted as well as the Federal Trade Commission. I, the consumer, have a right to correct information on my consumer report and am demanding that this false alleged information is permanently deleted from my consumer report and any public or private database.

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 2021-02-18
Company: EQUIFAX, INC.
State: AR
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 disputed some erroneous accounts with Equifax, XXXX and XXXX but have not received responses from the attached letters sent on XX/XX/2021. I have provided the certified mail receipt numbers for the letters sent. 

Certified mail slips for attached letters XXXX XXXX XXXXXXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 need your guys help here. I just looked on my credit report and i found a ton of inaccurate reporting from TransUnion. It is really crazy there's inaccurate late payments, payments showing on accounts that have been paid, collection accounts that i don't even recognize and the list just goes on. I mailed out a request for verification on XXXX. Then again on XXXX. But they are ignoring my request. How can they have this information on my credit profile and mess up my score. I tried to speak with some lenders and i keep getting denied because of the inaccuracies on my credit report. I just need somebody to update the inaccurate late payments from my account, and remove the collection account since it has been well over 30 days. I know the Fair Credit Reporting Act says they have 30 days to verify this stuff and they haven't done anything. I also know that the Fair Credit Report Act says that TransUnion can only report accurate information on my credit report. This is not accurate and it is really hurting my credit and causing me to pay unnecessary high interest rates. I need somebody to help me bc they aren't even investing my stuff.

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 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX, XXXX and Transunion is reporting incorrectly on the status of my current student loan accounts. My student loans have been in deferment and furbarnce since XXXX. They are current with an extension until XX/XX/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 2022-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was scammed out of XXXX $ on XXXX  last night i sent money to the persons email after being sworn multiple times itll be sent back because its a deposit fee for security purposes. well this person kept making stuff up and adding more charges it once went from me sending XXXX $ like we originally agreed on to sending XXXX $ and this lady refused to send my money back unless i keep sending more which is a scam. please help i need the XXXX back i have a lot of bills and am only 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 explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions Inc.
State: AZ
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 mailed the first letter to Experian on XX/XX/2018 in regards to several collection acct that is supposedly mine. 1st acct is for the amount of {$1900.00} and the 2nd for the amount of {$640.00} and under sec. 609 of the FCRA they are supposed to send me a copy of the original contract that I signed and they did NOT provide me a copy with the original contract. All they say its verified when yet they are supposed to provide me with what I requested. 
So I sent a second letter on XX/XX/2018 On regards to them same accts that I previously stated and all they do is say its been verified but NEVER sent me the original contract that I signed. And now I mailed out my 3rd letter on XX/XX/2018. And I will be attaching all three copies of the letters I sent so they dont try to Deny ever receiving letters from 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 2022-10-31
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Within the last year several of my credit card companies have assessed late fees & interest to my accounts.This is due to the fact that I did not receive the prior months printed statement.I receive paper statements for all my credit cards & pay the total amount owed each month.When I notify the credit card companies that I did not receive the previous month 's statement of this they tell me they can not remove these charges because I could have accessed the statement online.I do not want online statements & the card companies are constantly reminding me that I can switch & go paperless.I think they are now trying to force the issue by periodically not mailing a statement & assessing & trying to collect fees for non payment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is a matter regarding Capital One. In 2008, I purchased several XXXX XXXX XXXX at XXXXXXXX XXXX which was subsequently absorbed by Capital One. Recently this year, I discovered two of the XXXX 's in my safe that had not been cashed. When I went to cash them, I was informed that the monies from the XXXX 's had been placed into my bank account once Capital XXXXne became responsible for them. It must be noted that this process occurred over 12 years age. When I requested documentation and evidence regarding this matter, Capital One stated that after 7 years, they are not responsible to maintain records on accounts. With that being said, how was Capital One able to have records about monies being transferred from the XXXX 's to any other account. Clearly, their response is contrived. They dropped the ball. They are trying to steal {$17000.00} plus interest from me. I have the the XXXX XXXX 's. In order for them to be cashed, I would have to endorse the back of them and give them to the bank clerk for processing. Capital One even denied that was the process which by the way, was the manner in which I cashed all of the others. In addition, Capital One created a financial hardship for me with their mishandling of {$30000.00} that I had deposited by sending the money to an Unclaimed agency. The money was in Bank Checks which I later was informed had a 5 year life. Capital One has been negligent in explaining their policies and time frames for XXXX 's and Bank Checks. And, in this case, they are trying to cover their tracks by claiming they have no records to verify their claims of what happened to the XXXX funds..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: CA
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 being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXXT XXXX Date Opened XXXX XXXX, XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I took out a loan for {$310000.00} from  XXXX    XXXX   in   XXXX  . It was then sold to Green Tree with loan number :  XXXX  and then to  XXXX  with loan number :  XXXX , then to  XXXX  with loan number :  XXXX  and I have still not received an updated payment history from them. It is apparently now with  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX  Balance : {$0.00}

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 non-monetary relief