BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2015-10-15
Company: CITIBANK, N.A.
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
XXXX County Ford Dealership faked my signature on a credit application for a {$3500.00} cash advance from Ford Credit Services. I discovered this issue once I received the payment booklet for the XXXX/Ford Credit Services in the mail. I am XXXX years old and was taken advantage of by Ford Credit Services in this transaction. 
I did dispute this loan with Ford Credit Services and was told by them that they did not have RESEARCH whether fraud was committed against me that they instead dismissed my Consumer Credit Loan Dispute without any investigation, since they received a letter from the Ford Dealership that I did agree to the loan with them even though their was no evidence presented by the dealership to Ford Motor Credit that I did apply for this loan. 
I believe Ford Motor Credit Services should be fined by the XXXX Government for not upholding my legal rights under Regulation Z of the fair credit act, since they directly told me they did n't investigate any fraud activity and simply agreed with the Ford Dealership. 

I want Ford Credit Services to investigate my fraud claim and if found that fraud was discovered have my Ford Motor Credit Services / XXXX loan closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: JH Portfolio Debt Equities, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Omni Credit Services continues to call my home phone looking for a someone WE DO NOT KNOW. After numerous requests to stop calling telling them we do not know this person and remove our phone number from their list, THEY CONTINUE TO CALL EVERY WEEK, XXXX. This is considered harassment. 
Our local police department suggested we file a police complaint.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-04-07
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
On or about XXXX XXXX, XXXX, I was approved for a Barclay credit card. When I Whehn I When I applied, I was comparing XXXX different cards offering 0 % interest. 
The Barclay card offered 0 % interest for 14 months and I decided on it. 
I was approved for a {$2000.00} credit limit and was told I would receive anemail with the terms. I never received that email. 
My first billing statement showed no interest being charged, as expected. 
However, my second billing statement showed interest of {$25.00}. 
The third billing statement showed interest of {$3200.00}. 
The fourth billing statement has interest of {$34.00}, even though thebalance was less than last month. 
This was definitely a " bait and switch '' offer. I usually print out the termsof any offer or purchase I make online, but was n't given that opportunityby Barclay and was told I would receive an email from them, which I did. 
However, they did nothing except tell me I was " approved ''. I received noterms either by email nor by regular mail. 
When I called to complain, I was assured that, yes, I did agree to 24.99 % interest. There is NO WAY I would ever have even applied for this cardat that rate. I immediately cancelled the card. I did n't need it and onlyapplied in order to do some home remodeling at 0 % and then do abalance transfer from my other card. Now I 'm stuck paying off XXXX cards, the Barclay card having almost XXXX the interest rate as the XXXX XXXX I usually use. So far, this false/deceptive advertising has cost me {$92.00} since XXXX XXXX, XXXX, when it was supposed to be {$0.00} untilFebruary, XXXX. I attempted to attach the statements showing theinterest charges but was unable to do so. I will provide them if and whennecessary. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received notification on XXXX XX/XX/2022 that my loan servicing company sold my loan to Carrington Mortage Services, LLC, and that within XXXX days I was supposed to be contacted by them regarding my loan. I was not and currently have not been contacted regarding this loan. It is now XXXX XX/XX/2022, and my payment is due on the first of the month. I have no loan number from Carrington Mortage Services to apply a payment to. The website does not have my old loan servicing company ( XXXX XXXX ) listed on their website to obtain my new number, and when I try to call, I get no answer on the phone from customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CEASE AND DESIST YOU ARE HEREBY ON NOTICE TO HAVE ALL MY DEMANDS COMPLETED UPON RECEIPT. 

This is a communication to cease and desist all communication and collection efforts pursuant to 15 USC 1692C ( c ).

As the consumer, the natural person, the administrator, and executor, I legally refuse to pay these alleged debts pursuant to 15 USC 1692C ( c ) and demand the following actions taken effectively ; 1. Pursuant to 15 USC 1692C ( c ) ( 2 ), I'm invoking my specified remedies as the creditor.

2. Pursuant to 15 USC 1692C ( c ) ( 1 ), I hereby advise you to terminate all collection efforts.

3. Pursuant to 15 USC 1692C ( c ) ( 3 ) I demand you zero
out all 3 credit card account balances, leave all 3 credit card accounts actively open, and report positively to all 3 credit reporting agencies.

FAILURE TO COMPLY WITH MY DEMANDS WILL RESULT IN LEGAL ACTIONS AGAINST YOUR COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 am a permanent resident of the   US and a customer of Bank Of America for years. Recently I was sent a letter requesting to go to a branch and provide my residency documents. It was then that revealed that my residency status in BoA systems was captured as a US citizen. This change had been made to my account without my knowledge and consent. My status was updated to the original correct citizenship though when I provided my legal documents, and the store manager apologized. He was even surprised how a customer 's citizenship status could be modified in their system like this.
Since this could have unknown legal responsibilities and consequences to the extent I have no idea what, I filed a complaint in the store to receive an official response from BoA on why and when this change had been made to my account. Two weeks later somebody called me and explained they had researched my case, but had no idea when or how this had happened! While she apologized on the call for this hassle, and confirmed this change had nothing to do with me ( how could it ), she refused to supply a written response taking responsibilities for this modification. Again, changing my status from a non-citizen to US citizen, specially considering I am a citizen of a country that is undergoing US sanctions, could have consequences in future that this is my right to know when this happened and why. This could also be a fraud or misconduct of somebody in BoA who had access to customers confidential information like mine.

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 2022-02-01
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-02-01
Company: EQUIFAX, 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX PENNSYLVANIA ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A representative from XXXX XXXX XXXX contacted XXXX relatives regarding an account in my name. 1. They contacted my daugther by phone, shared information with her about the account, and attempted to set up payment arrangements. 2. They also contacted my son-in-law about the same debt. During the phone call to my daughter 's husband, the representative shared information about the debt such as the asserted balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I dispute this debt because it is a charge for services that were not provided according to my contract with the company. I had technical problems with my XXXX cell phone/internet service. I reported these to the technical department within the 30 day time period for free cancellation. The process of attempting to solve the issues went beyond the 30 day period, but did not solve the problem. So I cancelled my contract. Because I gave notice of technical problems before the 30 day period expired, and they were not able to be resolved by the XXXX technical support staff, then in effect I had cancelled my contract at the time I first called for support. Nevertheless XXXX wants payment, even though they could not solve the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Account information incorrect

Complaint:
XXXX XXXX refuse to disclose all documents to validate the inaccurate information published on all three of my credit files. I have made several attempts through the company and all three reporting agents, which all fail to provide proper documentation and verifiable information of their reporting actions. 

Per FCRA section 611 ( a ) 5 publishing inaccurate and unverified items on my credit report damaging my reputation and credit worthiness, I'm requesting this account be immediate removed from all three reporting agencies. 

XXXX, XXXX, Experian and XXXX fail to provide proof of investigation to validate inaccuracy reporting on my credit report. XXXX XXXX has been sued due to their negligence and violations of consumer rights not following proper protocol and reporting actions by the rights of CFPB and Fair Credit Lending Act to all consumers involved in legal action suit case # XXXX. As of XX/XX/2022 court approved settlement in which my case was part of Ally violations. Enclosed document validate my actions and attempts for the last two years to have this account removed from both my spouse and I credit file.

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 2016-10-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I went into a dealership and asked that they only submit my deal with XXXX. I got home and noticed they had submitted ti a lot of banks I did not authorize. I have contacted the dealership and they refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX XXXX collection agency is reporting on my Equifax credit report. They have no legal right to report any derogatory information on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This company frauded millions of students out of money for student loans and are nowhere to be found. I have written letters, attempted to call and nothing. This company is out of business and as of recently I was made aware that XXXX is under investigation but the DOJ fir the fraudulent behavior. Transunion, XXXX nor XXXX has verified any of the information that I continue to give to them and this has turned into a literal nightmare! Even the contact info on my credit report is not valid, the number is disconnected with no forwarding number. Even the letters that I sent are simply returned!

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 2020-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank of America has been displaying an offer to me on their website and mobile app ( once I logged in ) to open a checking account, transfer {$50000.00} into it, and hold it there for ~60 days to receive a bonus of {$750.00}. 

I clicked on the link for the offer to apply while logged into my account with the offer prominently displayed. The account was opened on XX/XX/2020. I then followed up with Bank of America on XX/XX/XXXX to confirm I was on track to meet the promotion requirements. 

I spent 1.5 hours on the phone as they looked into it ( spoke to XXXX XXXX and supervisor XXXX XXXX ), and was told they couldn't see the offer attached to my account, and that the offer would have needed to be e-mailed to me or mailed to me so I could not have possibly gotten the offer in this manner. This was despite me saying I had screenshots from the offer page while being logged into my account ( so they basically just told me I made it up - did I make up the screenshots then? ). They then told me they would put in a " research '' request that would take 30-60 days. So at this point they want to hang on to my {$50000.00} for two months while they decide if they can find in their system that I was targeted. 

False advertising on Bank of America 's part - if they are going to entice me to open an account and ask me to transfer so much money in, they need to follow through on their advertising.

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 2022-12-30
Company: EQUIFAX, INC.
State: PA
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:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
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:
This company frauded millions of students out of money for student loans and are nowhere to be found. I have written letters, attempted to call and nothing. This company is out of business and as of recently I was made aware that XXXX is under investigation but the XXXX XXXX the fraudulent behavior. XXXX, XXXX nor Experian has verified any of the information that I continue to give to them and this has turned into a literal nightmare! Even the contact info on my credit report is not valid, the number is disconnected with no forwarding number. Even the letters that I sent are simply returned!

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-02-01
Company: ACS Education Services
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:
This company frauded millions of students out of money for student loans and are nowhere to be found. I have written letters, attempted to call and nothing. This company is out of business and as of recently I was made aware that XXXX is under investigation but the DOJ fir the fraudulent behavior. XXXX, XXXX nor XXXX has verified any of the information that I continue to give to them and this has turned into a literal nightmare! Even the contact info on my credit report is not valid, the number is disconnected with no forwarding number. Even the letters that I sent are simply returned!

Company response to consumer: Closed with explanation