BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On about XXXX, 2023 I cosigned for my sons home loan through XXXX XXXX XXXX. What happened next is a nightmare. XXXX XXXX  purchased the loan from XXXX XXXX failing to properly transfer the personal and contact information. This resulted in a four month delay in mortgage payments to XXXX and a XXXX point negative charge against my hard earned Equifax credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: M&T BANK CORPORATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We had the impression or understanding that there would be an opportunity to get the mortgage insurance premium removed from our payment after we had reached 80 % of the value of our home paid. We bought our home in XX/XX/2021 and the only information we have received from M & T Bank regarding this concern, was after I made a phone call asking. We then received a letter stating we could not get the insurance removed for the life of the loan with no explanation as to why. It is my understanding that we could/should expect to have written communication from our lender annually at a minimum regarding how we could get out of the insurance premium. Again, we received nothing, except the attached letter, AFTER I called asking.

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 2020-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I wanted to cash an EE series bond at this Bank of America location, ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ). They informed me that they only cash the bonds if you are a Bank of America customer. I then wanted to open an account so I could deposit the bond. The manager informed me that they would not open an account for me so I could deposit the bond. As far as I know there is no rule about this but the manager insisted and they did not help me. This was on XX/XX/2020.

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 2023-04-02
Company: AXOS FINANCIAL, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On or around XX/XX/XXXX I received an advertisement for up to {$300.00} for opening a checking account and completing some basic requirements from Axos. I completed the requirements, and never received the promised {$300.00}. 

The requirements included using the code XXXX and sending {$7000.00} or more in direct deposits shortly after opening the account. I believe I have done so, and have not received any indication from the company why this bonus was not deposited automatically 90 days after meeting the requirements, and indicated by the XXXX. 

I have asked via voicemail ( XX/XX/XXXX ) message ( XX/XX/XXXX, XXXX ) but they have not seriously reviewed my request and in fact, only responded to one of the messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
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:
So i filed a dispute with equifax on XX/XX/XXXX for which i got an email saying 5-20 business days. 
After 21 business days i began calling. 
I was told they were having technical issues with their dispute tools and they couldnt help me. 
Day 2 i asked for a manager and was denied saying only a callback was an option. 
I accepted, but never received a call. 
Day 3 i was told the technical issue was around 3 weeks now. 
Day for i was told over a month. 
Fast forward to today, i called and spoke to an agent, said call backs were a lie and i wanted to speak to a supervisor now, she hung up. 
Called back. After 1 hour i got a manager XXXX, who told me the tools were working again, they he pulled up my info and said, oh sorry THOSE tools are NOT working. 
I got frustrated and asked why he lied, he said 'dont yell at me ' i told him i wasnt yelling. 
He said ' Sir you can not yell at me have a good day ' and there was silence. 
I said 'If you hang up i will have you fired '. 
He remained silent. 
I said ( after assuming he hung up ) 'OH MY XXXX, YOU XXXX XXXX ' To which he responded ' you cant say that, have a good day ' and hung up. 
This is unacceptable behaviour. and they are refusing to acknowledge my dispute because of 'technical issues ', but how can a company operate with technical issues lasting over a month ... 
I want this resolved right away

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have written and faxed over documentation to the major three credit bureaus regarding addresses on my report that are incorrect, and the information was not removed as I requested. I have been at my current address for over 10 years. Please contact the bureaus about this request. The bureaus are supposed to report accurate information and in this case they are not. 

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 2023-04-02
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are two inquiries on my credit report that I do not recognize or gave any permission to use of my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Mr. Cooper Group Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My homeowners insurance billed my escrow account for my premium. My escrow account underpaid my premium and now my homeowners policy is set to lapse due to underpayment. When I called my loan servicing company ( Mr. Cooper ), they said the error was due to miskeying in payment processing. The were subsequently billed for the underpaid premium and never made this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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:
In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address

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 2021-05-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a discrepancy I have observed in my credit report with your bureau. It has come to my notice that there are late payments inaccurately reported on an account, while the same issue has been successfully rectified with another credit bureau. I was the victim & Im not sure why the CRA is not complying with the law.

I recently compared my credit reports from various bureaus and was pleased to find that the late payments in question have been successfully removed or corrected by XXXX. However, to my dismay, the inaccuracies persist in your credit report, and this inconsistency is causing significant concern. 

XXXX XXXX XXXX  - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I understand that discrepancies can occur, but it is essential that the information across all credit bureaus is accurate and up-to-date. The persistence of these inaccuracies with your bureau is both perplexing and troubling. 

I appreciate your attention to this matter and trust that, like XXXX, your bureau will also take the necessary steps to ensure the accuracy of my credit information. A consistent and accurate credit report is crucial for maintaining financial integrity, and I believe prompt action on your part will resolve this issue satisfactorily.

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 2023-04-02
Company: Chime Financial Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Wednesday XX/XX/XXXX I XXXX XXXX XXXX sent {$5000.00} From my Chime account to my girlfriends Account via her phone number. The reason XXXXXXXX XXXX  is listed instead of chime is because thats who their insured by. On Chimes website there is a FAQ that gives instructions on how to send money to family and friends and I followed those instructions step by step. My girlfriend doesnt have a account with chime and on step 3 on chimes website it states you can send money by typing in the receivers phone number which is what I done. When I typed in my girlfriends number to send the money a pop up comes up and says send {$5000.00} to XXXX and I clicked yes. Once the money was sent and my girlfriend didnt receive the funds I looked in my transaction and I see the money was sent to someone by the name of XXXX XXXX Someone I dont know. My girlfriend has Had that number on her sisters XXXXXXXX phone plan and that number has been active since XXXX of this year Of which I have proof of. I did everything the instructions told me to do on chimes website but my money was still sent to the wrong person. When I typed in my girlfriends number on the chime website the name XXXX didnt show up or I wouldnt have sent the money. His name showed up on my transaction after the money was sent. XXXX the individual who got my money must of had a account set up with The same phone number my girlfriend now has so instead on her getting the money he got it. When I contacted chime they stated there was nothing they could do and they wouldnt be sending me my money back. I didnt do anything incorrect, in fact I followed every step the website told me too and my money was transferred to the incorrect account even though I sent the money to my girlfriends phone number that is active. Please help with this issue. Im uploading a few files to show what happened when I sent the money. Last night XXXX/XXXX/23 I sent the same number a {$0.00} to show exactly what happened when I unwillingly sent {$5000.00} to the wrong person without knowing. Im also uploading a file to show my girlfriends number is active under her sisters account ( XXXX XXXX ) and not under a XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Block, Inc.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 Cash App closed my account without giving me any of the refunds I requested and didnt tell me why. So I closed that account and made a new one. They say my deposit limit is {$4000.00} and I havent even added {$200.00} to that account yet it blocks me from adding or sending money. They allow scammers to use their app to steal money from people and dont do anything about it. Im starting to wonder if they are part of the scammers stealing peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
On the day of XX/XX/2023, I submitted claims out to XXXX, transunion, and XXXX. Here is my tracking numbers : XXXX XXXX, Transunion- XXXX, XXXX XXXX However the credit bureaus said the completed the investigation and everything was 100 % accurate According to the la 15 U.S.Code $ 1681a - Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, triends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowiedge conceming any such items of information. However, such information shal not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to.

How did they complete this investigation

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 2017-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$28000.00}

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 2021-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I first contacted Bank of America when the charges were filed on my account I made a claim with them I was XXXX at the time of his charges but they did a Investigation in said that I did the front of my own account and they were not going to give me back any of the fraud charges on my own account I then really thought they were giving me back the funds so I called and reopen the claim I heard no response back from them whatsoever I then contacted the XXXX to file a claim with them I heard one time from them and they leaving me a voicemail I tried responding back numerous amount of times no response no emails nothing and also the XXXX it hasn't had any response from them as well XXXX  Case number is XXXX I am at a point where it's been almost three months and nothing is getting solved So I am contacting you guys as well to see if there could be in response to you guys because I'm not getting any help from Bank of America on there and I'm also not receiving any of my unemployment from XXXX for almost 2 months. Because of them say i am XXXX This fraud charge was {$1200.00} so I need to solve this problem please 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 explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 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
Consumer complaint received 2023-04-02
Company: Early Warning Services, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a complaint against XXXX XXXX for reporting a debt to my credit report, even though I have paid the invoice in full. On XX/XX/XXXX, I received a notice from my credit report that your company has reported a delinquent debt on my account. However, I have already paid the invoice in full on XX/XX/XXXX. 

I have made several attempts to contact XXXX XXXX to rectify this error, but have not received any response. This is unacceptable and is damaging my credit score, despite having paid the debt in full and on time. 

I demand that XXXX XXXX immediately rectify this error by removing the delinquent debt from my credit report. Furthermore, I expect an apology for the damage this has caused to my credit score and the inconvenience this has caused me. 

If I do not receive a response from them or if the issue is not resolved within 30 days, I will take appropriate legal action. 

I would appreciate a prompt response to this complaint, including confirmation that the delinquent debt will be removed from my credit report.

Company response to consumer: Closed with explanation