BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2021-07-16
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NCB Management was sold/assigned a debt that was/is already payed according to 18 USC 8. Moreover, although they have recently deleted this unlawful reporting from my consumer report, I am holding them civilly liable for each individual action under the Fair Debt Collection Practices Act. I have sent through certified mail a sworn affidavit of truth, invoice, and exhibits that prove each violation that I am demanding remedy for. Not to mention actual damages I sustained as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX, 2020 I was released from a 9 day stay, and XXXX, from the hospital. After getting home I checked my bank account online and noticed some charges that were made while I was hospitalized that I did not make. I immediately called the number on my card to report it. We cancelled my card and issued a new one and was sent papers to fill out and return. I then went to the police and filed a complaint and received a report number. XXXX XXXX Police Dept. Report # XXXX ) The police even stated to me that these charges stand out in comparing to my usual spending pattern. The unauthorized amounts ended up totaling {$690.00}. ( Charges in question are marked next to them on the files I am attaching ) All charges were made out of state and as far as I can see they were done on line. I filed out all paperwork and included the police report information and sent it back. I later called on XXXX XXXX, 2020 to check the status and was told it was still in the " Pending Dept ''. On this day I spoke with " XXXX ''. I then later received a letter stating that my account was awarded back {$440.00} while it was being investigated. My complaint amount was for {$690.00} not {$440.00}. I called to ask about the lesser amount and we fixed the error and was supposed to get the remaining money on my account the next day. I never did receive this money. Then on XXXX, 2020 my account was left at $ XXXX because they had taken the {$440.00} back out of my account with no letter to me or informing me of this happening. Then my account has a credit adjustment for {$89.00} which doesn't make any sense because my account is still $ XXXX. I did not make these claimed charges on my card and do not feel the claim was investigated at all. Why should I have to pay for charges I did not make and the person who used my card without my consent should get away with this. It's just not fair as I live on {$940.00} a month. I can't afford to pay for these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar force placed another flood policy on my acct. this year. I uploaded to the insurance portal the renewal policy XX/XX/ ish. I continue to receive past due notices for the balance of the escrow account. Everytime I call there, I have a 40 min call only to be transferred to another department where I have to start the same conversation over again. I have never missed a mortgage payment. I want the company to fix the escrow and provide me confirmation of XXXX balance to 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 2021-04-28
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In XXXX Wells Fargo Mortgage held Deed to our home along with a Home Equity Line of Credit ( HELOC ). In XX/XX/XXXX we applied to have our home refinanced by XXXX Loans. Our loan was approved and our Deed of Reconveyance for the house was recorded on XX/XX/XXXX. The HELOC was paid in full at the time of the refinance but apparently was never recorded with the State of XXXX 

Moving forward to XX/XX/XXXX, we applied to refinance our home again, this time with XXXX XXXX in order to lower our rate from 3.75 % to 2.75 %. Everything was going smoothly until the underwriter and title company discovered that Wells Fargo Mortgage has never recorded that the HELOC was payed off in XXXX of XXXX. 

I have spoken twice with Wells Fargo Mortgage ( XX/XX/XXXX & XX/XX/XXXX ) being assured that this would be rectified. As of XX/XX/XXXX the Confirmation of Closure on this HELOC has not been recorded. I have spoken numerous times with XXXX XXXX and they have the excuse that the problem is due to the virus. I also have spoken numerous time with XXXX XXXX and they claim there is nothing they can due. 

Meanwhile what is normally a 30 - 45 day process to close on a mortgage has now been more than 90 days. We may have lost our locked rate of 2.75 % due to Wells Fargo Mortgages error, costing us thousands of dollars. 

Please advise what else we can do.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I truly appreciate the Credit Bureaus ' efforts in removing a portion of the accounts that I have been disputing for the past 5 months. However, I see here that the action done by the Credit Bureaus is not yet enough to completely remove the disputed accounts from my Credit File. I am now submitting this CFPB Complain to request to the Credit Bureaus once again to remove the disputed accounts from my accounts completely this time. Under the Fair Credit reporting act section 605b, the Credit Bureaus are required to remove the disputed accounts and information from my Credit file that resulted due to identity theft. As I previously complaint about, I require the Credit Bureaus to send me copies of documents bearing my signature as proof of ownership or any proof of verification from the Creditors themselves. However, I have waited long enough and I never received anything from the Credit Bureaus. I previously sent dispute letters to each Credit Bureau on XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. Once again, I am requesting the Credit Bureaus to please remove the following accounts completely from my Credit File : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: NY
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 previously notified Equifax that I am a victim of identity theft. The fraudulent items are still reporting on my Equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I have recently submitted a dispute with XXXX, Equifax, and XXXX. I have five closed accounts that where paid off in full but are still being reported on my report. I was told by each creditor that if I paid off my closed accounts they would be remove from my report and that was false. I let all three bureaus know of this falsehood and I have not received any response and the last thirty days Section 15 U.S. Code 1692e states False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. I was also affected by the Equifax data breach some of my information may have been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CITIBANK, N.A.
State: GA
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:
XXXX, Ive followed the federal law procedures and requested clarification, including documentary evidence, because it's expected by law that both ( or all ) parties to an agreement have the reasoning capacity to understand exactly what it is they are agreeing to. Ive been denied access to these documents several times. As a loyal customer for several years, and a consumer whose rights are protected by federal law, I need your help. I believe your company truly strives to earn and maintain the public 's trust by constantly adhering to the highest ethical standards. 


Documentary Evidence required in accordance with 12 CFR 1026.13 ( 6 ) Please provide clarification, including documentary evidence, on the following : Any and All documents, correspondence, papers, and corporate records proving that " Adequate Notice '' was received and understood by the cardholder in accordance with 15 U.S. Code 1602 ( k ) for above-mentioned accounts ( XXXX & XXXX ) ; dates and times ; Any and All documents, correspondence, and papers of receipt and acknowledgment of reasoning capacity to understand what I what was agreed to ; Any and All documents, correspondence, papers, and corporate records of the XXXX published version of the Shop Your Way Mastercard Agreement with both parties ( or all involved parties ) signatures ; Any and All documents, correspondence, papers, and corporate records of the XXXX published version of the Costco Anywhere Visa Card Member Agreement; with both parties ( or all involved parties ) signatures ; Any and All documents, correspondence, papers, and corporate records of the Citibank, N.A., records and/or data retention policy guidelines ; Any and All documents, correspondence, papers, and corporate records proving that adequate notice of disclosure of personal information was given in accordance with 15 U.S. Code 6802 ; Any and All books of accounts, financial records, and corporate records about this consumer credit transaction, including how Citibank, N.A., funded the above-mentioned accounts ( XXXX & XXXX ) ; Any and All audit trails of the funding of the account transaction by which accounting, trade details, or other financial data can be traced to their source, i.e., from your accounts to the above-mentioned accounts ( XXXX & XXXX ) ; Any and All documents, correspondence, papers, and corporate records that fully disclose the details of the entire agreement, which is a requirement of a contract ; Provide the original agreement with the signatures of both parties ( or all involved parties ), signifying consensus ad idem, or a meeting of the minds, which binds both parties.

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 2021-07-16
Company: DISCOVER BANK
State: CT
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:
Discover credit claims there is a late payment on my credit but did not provide proper transactional documentation..only randomized dates and various amounts that didnt show any time of payment history or anything of this nature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Date : XX/XX/2020 Amount : I have about {$40000.00} in my saving account at the Fifth Third Bank I need to have a recent statement of my saving account for my application for refinance. However, 53 only provided me statements up to XX/XX/2020, which is too old for my refinance application. I contacted 53 requesting the statement for a recent month but was told that the statement will only be generated every three months, and the next statement I will receive will be end of XX/XX/2020. This will impact my refinance application- the rate is being locked only for 30 days since middle XXXX, and I need this statement as document for my refinance application. Without the statement for my saving, I may not be able to get my refinance approved and receive damage financially. It is frustrating that with more than $ XXXX in my saving, I can not even get a statement. Please investigate 53.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
Portfolio Recovery bought a debt I owed to XXXX XXXX. The last payment sent was to XXXX XXXX in XXXX. Portfolio Recovery has called me daily numerous times a day for around a year. They have called my parents, past neighbors, and anyone they think is associated with me. They have lied to the credit reporting agencies about the last payment date to keep it on my credit report. As I stated last payment made was XXXX, they are reporting I made a payment to them in XXXX which is an absolute falsehood. I have told them to stop contact, I have sent them a letter requesting them to stop contacting me, my family, past neighbors, past employers but it seems to be of no avail. Not only have they lied to keep their debt on my credit report, they are harassing me. Its been 11 years since I last made a payment, but they set it up so they could continue to harass me and lower my credit score until XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have contacted Transunion, XXXX, and XXXX several times via phone and online on many occasions in regards to inquires that I did not authorize or was not familiar with.I get the same results, it makes look like i have been begging for credit and i have not.I am trying to get finance for something and it makes it difficult when they are checking credit and i inquires from places I didn't inquire credit from.I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies need to either send of validation or it needs to be removed. The following inquires that were not authorized are the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX I

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 2020-11-27
Company: EQUIFAX, INC.
State: GA
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 sent Equifax and XXXX  a dispute letter on XX/XX/2020 regarding XXXX accounts on my credit report. Today is XX/XX/2020 and I have yet to hear a response to the investigation. Under federal law, they have thirty 30 days to complete their investigation and it has been well over 30 days. According to the FCRA, a credit bureau is required to respond within 30. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: GA
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 sent a letter out on XX/XX/2022 to Experian, XXXX, and XXXX. Here are my tracking numbers : XXXX, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to return my investigation. I am distressed that the credit bureaus have included inaccurate information on my credit profile and that They have been unable to maintain reasonable procedures in their operations to ensure the maximum possible accuracy in the credit reports they publish. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately 15 U.S.Code 1681i if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Aargon Agency, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Aargon Collection Agency did knowingly, willingly and intentionally harm my credit report by listing a collection to at least all three major credit bureaus for a hospital bill that they are in full knowledge of is in dispute due to medical malpractice. 

The hospital bill they have intentionally and maliciously posted to my credit bureau was for an ER visit where I was immediately sent home only to have 2 XXXX XXXX and a XXXX within 24 hours and taken to another hospital for proper treatment. 

Aargon was notified of this through disputes through the credit bureau and through two eMails directly through their website. They have intentionally ignored all of these and continued, with malice, to destroy my credit file despite these known facts. 

A lawsuit is currently being drafted against Aargon for these issues, in the meantime - I feel a federal indictment of them is warranted. This is intentional, malicious and against the law.

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