BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2015-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I was first alerted to a credit fraud problem when I was unable to access XXXX of my free annual credit reports. XXXX said I had already received my report, which I had not even attempted this at the time. I then attempted to get my free annual credit report through Trans .... and was unable to answer the identity verification questions. I was ; however able to access the XXXX other credit report which listed numerous upon numerous, mostly medical care bills in default that I have never been notified of existing. I already requested a fraud alert to be placed on my credit accounts ; however am still unable to access them to review of any other fraudulently activity. I have also recently been a victim of identity theft as XXXX of my bank accounts alerted me of fraudulent activity which absolutely proved to be the case. This is not the first time I have been a victim of identity theft and even have identity theft coverage ; however they have not proven to be worth the money spent on them. What exactly are the steps I may take to finally resolve these issues and finally correct my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
TWO YEARS IN A ROW ALL THREE REPORTING AGENCIES HAVE GIVEN ME THE RUN AROUND ONLINE..TRANSUNION AND XXXX SAY I HAVE ALREADY RECEIVED MY FREE REPORT ( WHICH I HAVE NOT ) AND XXXX SAYING I HAVE TO MAIL IN MY REQUEST, WHICH IS BECAUSE NONE OF THE SECURITY ANSWERS WERE CORRECT ABOUT ME .. I HAD TO ANSWER " NONE OF THE ABOVE " TO ALL ANSWERS ... I BELEIVE ITS ALL ON PURPOSE BECAUSE WE CAN DISPUTE EVERYTHING ONLINE AND IF WE HAVE TO MAIL IN A REQUEST OR PAY FOR IT PEOPLE WILL NOT PROCEED WITH THE DISPUTES OR WE WILL HAVE TO PAY FOR THE REPORTS AND THEY CAN GET OUT OF GIVING US OUR REPORTS FREE AS PER FEDERAL LAW..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America has no concern for their customers and consistently exhibits horrible customer service. 
Today I needed assistance and got unsatisfactory results from : * The website ( due to a poorly-designed customer interface ) * The phone system ( hung up on me ) * An in-person branch visit ( computers were down ; gave me bad information on how to solve my problem ) * The online app ( ca n't fix the problem from there although I was told I could ) * Technical support ( went out of their way to blame me for the problem ) * When I called customer support, my call could not be elevated any further because 'management is on the phone'These are some of the lies Bank of America told me along the way : * " We are committed to excellent customer service '' * " Your time is precious '' Clearly Bank of America has stopped caring about performing competently or looking after their customers. I am lodging this complaint with the CFPB in hopes that Bank of America might listen to them ( they certainly are n't listening to me ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Perdue Brandon Fielder Collins and Mott, LLP ) which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

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 2019-12-06
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with XXXX XXXXXXXX Bank XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: AL
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 a total of 3 disputes requesting that inaccurate information be removed from my report. They keep responding the information has been verified without sending any documentation which give them the right to list this inaccurate information on my report. The reporting of this inaccurate information is destroying my credit I have sent all letters certified mail I have receipts upon request, I also have copies of all letters & copies of the company response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: CITIBANK, N.A.
State: LA
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:
XXXX Inquiry from XX/XX/2017 The above inquiry is fraudulent, please investigate and remove from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a Lowe 's store card with synchrony bank about 1 year with a {$1000.00} credit line. I have maintained this card in accordance with the terms with no late or any negative use on my part. I have kept a small balance of current {$130.00}. I was shocked to be declined for a small purchase telling me I had only {$5.00} available credit. Upon calling the bank I was told I was notified which I was not. The reason given were unfounded and unfair. Stating my lack of real estate credit and too many account. My account total size are relatively the same as when I aquire this card. This makes the second time this has happened with last year exact situation only on amazon card same bank same untruthful information. I have no late on my credits with any creditors and now with a forced account set to a maximum debt to balance I have been hit with a major credit score reduction of over 45 points just from this unfair practice. I understand that they have the right to make changes but I also have a right to be properly notified and given a choice to pay off and close Pryor to a line reduced to balance and now holding a at limit debt. Even paying off and close now will negative impact for years on for a unjustly aftion.

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 2018-07-23
Company: EQUIFAX, INC.
State: LA
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:
XXXX Inquiry from XX/XX/2017 The above inquiry is fraudulent, please investigate and remove from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had approached XXXX XXXX, Home Mortgage Consultant NMLS # XXXX of WELLS FARGO BANK , NATIONAL ASSOCIATION. He claims that he and the bank is not suppose to let the client know about the bank guidelines. They are not suppose to discourage the client from applying an application for mortgage. Why would not tell the customer about the guideline so he or she is aware and make a decision and make is move accordingly. why they want run some ones credit for fun. 
i believe this a wrong practice by the bank for not providing correct information to customers. This lead to denial of my application and wasted my time and i could not explore my other options. i am facing hardship due to this and look for a resolution from the bank. Such consultant licence should be revoked

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 2017-03-16
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an amazon credit account that is derogatory on my credit reports I was told when I paid the account off it would be removed from my credit reports

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 2020-04-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 I logged in to the Nissan Motor Acceptance Corporations ( NMAC ) website to look at possibly paying off my car loan. After logging into my account I immediately noticed that their website indicated my account was past due. My next due date was XX/XX/2020. I have never been late on a single payment with NMAC and have never received any communications to such effect. I looked through my payment history provide by NMAC on their website and their records confirm such statement. I logged into my account on XXXX  XXXX XXXX and verified my payment for XXXX processed on XX/XX/2020. Then how is it that my account has showing past due when the due date hasn't passed. When I called NMAC to inquire, the response I was given was " oh that is how our system works, because we haven't received your payment yet, in anticipation of your due date passing our system shows your account past due. '' When I pressed harder I was advised by the agent on the phone that there was nothing she could do about it. So NMAC is making an assumption that my account will be passed due even though I always pay ontime or before AND they have no idea that my payment is actually in the clearing house processing. This is an egregious misrepresentation of the status of my account. 

This is fundamentally WRONG, working in the financial services industry I first hand know that you can not represent an account past due until such time as the due date has passed AND no payment has been received. In the current environment as a result of COVID19 actions such as this would push many people over the edge. 

I have attached screen shots from NMAC of my account status and payment history, as well as a screen shot from XXXX  XXXX XXXX showing my payment had been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Other fee

Complaint:
On XXXX XXXX, I bought airline tickets using my Bank of America credit card, on XXXX XXXX website ( XXXX ). There were a total of XXXX transactions on my statement for this purchase : XXXX tickets ( {$1000.00} each ), plus XXXX seat upgrades ( ranging from {$29.00} to {$100.00} each, for a total of {$530.00} ). 
Despite the fact that these tickets were purchased on a US website, from a US merchant, in US dollars, Bank of America charged a foreign transaction fee of 3 % for each of those XXXX transactions, totaling {$80.00} in fees. 
I contacted Bank of America and requested that they cancel and refund these fees. Bank of America representatives maintained that the fees were correctly charged and legitimate as the transactions were processed in XXXX, and refused to refund them. 
This is a deceptive and abusive practice as there was no way for me at the time of the purchase to know that there would be such a fee ( as, again, I was making a transaction with a XXXX merchant on a XXXX website in XXXX dollars ), and therefore I could not avoid those fees ( by, for example, choosing a different method of payment ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-13
Company: TCF FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2016 my mortgage was sold by XXXX Bank to Chemical Bank. My XXXX XXXX payment went to XXXX who was to transfer to Chemical. In XX/XX/XXXX I made XXXX payments XX/XX/XXXX and XX/XX/XXXX to Chemical Bank. I received XXXX late notices from Chemical saying my XX/XX/XXXX payment was n't received. I made an additional payment over the phone XX/XX/XXXX to stop the threatening late pay notices ... 
I pay $ XXXX monthly which is more than my regular payment requires. The additional money is not recorded on my loan. No one from Chemical has been able to tell me why or where that money has gone. 
To date I have spoken to XXXX Chemical representatives beginning before XXXX. The first rep took my cell number and promised to look into my account and call back. Never heard from her. The next rep e mailed transaction history which confirmed no account of the curtailment. The remaining XXXX reps still could n't answer my questions and did n't seem to share in my concern about the whereabouts of the additional {$800.00} per month from my mortgage payments. All checks have been cashed ( see attached. )

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 2019-12-06
Company: SUNTRUST BANKS, 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: Investigation took more than 30 days

Complaint:
I have an auto loan with SunTrust since XXXX. The history report that I have from SunTrust doesn't match with the history report they sent to the credit bureau. Also, this year I submitted more than 5 payments in advance trying to pay off the loan earlier but those payments ha n't help at all. According my report my last late fee was on XX/XX/XXXX. According the last reports sent to th the credit bureau I was late for {$36.00} as XX/XX/XXXX with a mark as a " delinquent ''. Please see attached both reports.

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 2019-12-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian is on violation of the FCRA. 
I have requested a method of Verification from Experian and Experian have yet to deliver the information that I requested which I am entitled to receive by law. ( FCRA ). Experian is still showing inaccuracies and misleading information on my credit report. I am requesting Experian correct the information and provide the information I sent to them in a letter : Request for method of Verification pertaining to XXXX XXXX XXXX XXXX inaccurate and misleading information. I will file an intent to suit if the matter is not resolved. Experian is in violation of the FCRA. Experian must provide proof to CFPB that my letter for request for method of Verification actually was investigated.

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 2020-09-11
Company: National Enterprise Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caller asked for a family member that does not live at my address or use my number for any purposes. Caller stated that I was listed as a reference, so I initially thought it was for a job interview or something similar. When I tried to inquire further about the reason for the call, caller became evasive and stated that the purpose of the call was private and the target person had not authorized revealing the purpose of the call. I then asked the name of the company and the caller was again evasive but stated that the name of the company was XXXX XXXX XXXX or something like that. The caller then began inquiring about the target person 's phone number and I stated I do not give out personal information to strangers but the caller kept insisting and then stated the number, to which the caller replied that he was not able to contact the target person. Caller then began inquiring about other family members and I stated I would not give any other numbers out and the call ended. I then did some research about this company and I found out they were a debt collector. Based on what was stated and the personal information the caller was inquiring about, I realized that they were likely inquiring about issues that are over 10+ years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I opened a Synchrony Bank/CareCredit account on XXXX XXXX, XXXX. The beginning balance on the account was {$5300.00}. I paid 11 payments on this account totaling {$2100.00}. Synchrony Bank/ Care Credit is not crediting my payments on my account correctly. My balance should be {$3100.00}. They have my balance at {$4500.00}, which is incorrect and not true. Synchrony Bank/CareCredit added this incorrect balance and negative items to my credit report on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I 'm disputing this and I want this removed from my credit report. I have been charged a {$35.00} fee, even if I was XXXX day, which I have paid. The minimum payment on this account was {$140.00} and was due on the XXXX of each month. My payments were on XXXX/XXXX/XXXX ( for {$200.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$170.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$140.00} ), XXXX/XXXX/XXXX ( for {$330.00} XXXX, XXXX/XXXX/XXXX ( for {$180.00} ), and XXXX/XXXX/XXXX ( for {$370.00} ). Total payments made is XXXX. Synchrony Bank/Care Credit has been overcharging me and levying hidden charges through deceptive business practices. This is unacceptable and I 'm filing this complaint to report consumer fraud and deceptive business practices. I have proof of all my payments made on this account. My account number for this account is XXXX XXXX XXXX XXXX and it was opened on XX/XX/XXXX. Thank you for your time and any help would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief