BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: CO
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:
Went through a loan modification in XXXX with XXXX XXXX Loans. My husband had a XXXX XXXX XXXX and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XX/XX/XXXX was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate

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 2022-09-01
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: M&T BANK CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 opened bank account with M & T bank on XXXX of 2022, nad the when i signed up the bank told me they going to add my credit card to my online bank portal so i can control my account payments online, and since then i was able to take care of the payments online however when i signed in to my on-line portal on end of XXXX to do a payment i couldn't see my credit card on the online portal, and when M & T send the paper statement to my house it was already late for payment, i went to the local bank on XXXX XXXX XXXX, XXXX, NY i spoke to XXXX about the issue, he agreed to me that they're having issues with the postal service that sometimes mail arrives late, i called the bank on XX/XX/XXXX to complain about the late payment appearing on my credit report which is an effect of the online technical issue of not showing my credit card she connect me to the online dep. and they agreed that they're not sure why it happened and since this a bank system issue its not my fault of paying it late, and they can not report late on the report, but he is not sure how to fix this error on 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 explanation
Consumer complaint received 2022-03-03
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed inaccurate updates that XXXX/XXXX keeps reporting information as accurate as well as readding amounts already paid. As of today XXXX XXXX 2017 it was updated once again showing that it 's accurate that I owe {$700.00} balance. This account was paid off on XX/XX/2017, even prior to that the balance was less than {$700.00}.

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 2018-05-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Well Fargo Claim # - XXXX I disputed some unauthorized transactions on my card, and wells fargo denied them all. My account was compromised and someone also deposited checks into my account, I told my bank it wasn't me and all they said was well we are still closing the account. 

I think its completely bogus for a bank to allow someone to make purchases with my card information even after I had already called in someone using my card back in XX/XX/XXXX. And even worse, when a customer calls in about fraudulent activity, and the bank does NOTHING to help the customer! 

They waited a whole month to cancel that card! And now that my money is gone they are closing my account. 

Please Help

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 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I use XXXX XXXX and also various credit card FICO score which shows that my score is XXXX I have never been late with payment for 10+ years, I have ample credit card, no negative record. No loan, credit utilization is less than 2 %. I have always been paying on time and full amount, have XXXX salary. 

When I went to get Auto loan at XXXX dealership, they pulled out my record with XXXX score which is way below what my actual score is. 

I checked all 3 agencies and there is no negative record ( except for the XXXX Loan that I took ). I believe XXXX intentionally showed me a lower score. There is no reason for my score to be less than XXXX. I checked all agencies, credit card FICO scores they are all above XXXX. 

I have a suspicion that the score is manipulated when I seek loan by XXXX financial. Or there is some underlying issue exists that lowers the FICO score exactly when a loan is being requested.

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 2017-08-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got behind on my payments after being on time for 15 years. I made my last payment of XXXX in XXXX and XXXX turned it over to Rushmore. With them I filed a loss mitigation form and was accepted. They put my deceased mother on the contract so had to send a death certificate. I received a letter in XXXX saying they received it and then 3 weeks later received a letter saying it was filed. They were suppose to send a new package but still have n't received it and no one can give me an answer when I call. I feel like they are avoiding me, I do n't want to lose my house. I 've called XXXX XXXX who is over the loss mitigation department and is handling my account but she only returned my call one time during my work hrs so I called back and left my cell phone number and she still have n't called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
Hello. In XX/XX/XXXX I owned a XXXX XXXX XXXX vehicle. That vehicle had broke down in XXXX, FL and I had it towed a dealership called XXXX XXXX XXXX. XXXX  XXXX XXXX would not work with me to setup a payment arrangement because at that time I had also lost my job due to Covid. So I had a monthly payment due as well as now the vehicle needed repair. I immediately sent an email back to the manager on XX/XX/XXXX advising them to pick up the car because I could no longer afford the payments. Please see first email attachment. The balance on the car at that time was a little over XXXX owed. I also spoke to the same manager over the phone and they also confirmed they will be sending someone to that dealership to pick up that vehicle. I then called the dealership and advised them to NOT work on the car since it will be picked up by XXXX  XXXX XXXX Well months go by and I never heard another word from anyone. I just assumed the car was picked up. I was just waiting on the final deficiency balance to arrive in the mail. Well toward the end of XXXX early XX/XX/XXXX I started getting calls from XXXX  XXXX XXXX looking for the car. I was soooo confused then followed by a letter in the mail stating XXXX of XXXX XXXX SOLD the car at an auction. How is that possible?! I then received a call from a tow driver asking when will be a good time to pick up the car? We are like 6 months into a new year and the car should have already been picked up but XXXX  never picked up the car. I then forwarded a copy of the auction letter over to the tow driver who then stated he will be reaching out to XXXX  XXXX XXXX since it showed he was looking for that car in my possession. Please see second screenshot of the letter. A few weeks later in mid XX/XX/XXXX I then received another call from someone in collection at XXXX  stating I will owe the balance of XXXX ... .How the balance jump from XXXX to XXXX? That is not right. According to the law I was under the impression the car would be sold and I would pay the difference which is called a deficiency balance which should be way lowered than the XXXX... So XXXX  XXXX XXXX has NO CAR to sell but yet displaying that full balance on my credit report. That balance is inaccurate and I need representation to get some help with clearing up this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Global Lending Services LLC
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I previously advised this company several time I dont wish to revive any contact, via calls and mail. I spoke with several representative and told them to place my account on Do Not Call. Ive still have been receiving calls and now to another number that was skipped traced by one of the representative. When I spoke to a supervisor today by the name of XXXX she tried to get my to verify information XXXX as vehicle and address I told her I dont wish to do so. I told her i received a call and my account is listed under do not call. She told me she can see that information apologized for call. She then proceeded to tell me Im getting calls because I owe I balance. Which is yet another violation because I dont verify my information with her. This is now the third complaint on this company about calls from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Albert Corporation
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A company called Albert sent me a debit card. I did not ask for the debit card, nor did I open an account with a company called Albert. 
My name is printed on the card. Also printed on the card is an account number. I have no knowledge of the account number, do not recognize the account number, and as already stated, have no knowledge of ca company called Albert. 
Printed in extraordinarily tiny print on the back of card is the following " Issued by XXXX Bank pursuant to a license by XXXX XXXX. '' I have no knowledge of a bank called XXXX Bank, nor have I ever opened or even applied to open an account with XXXX Bank. 

I sent an e-mail to Albert stating that is sent me an " unwanted '' XXXX and asked that it immediately close the account. Albert responded a few hours later that it would close the account. I also asked the following questions. 

1. What date was the account opened? 
2. How was account was opened? Did the identity thief affirmatively contact Albert or did Albert contact the individual who used my identity to open the account?

3. Does Albert have a social security number associated with my name and address?

4. What policies and procedures does Albert have in place to protect and permanently delete private information about me that it may have acquired from the identity thief?

Albert responded that I must file a police report, complete the FTC 's Fraud affidavit, and send a copy of my photo ID. 

Before I give Albert any information like a copy of my photo ID, I need to know that Albert is not a scam.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under RMP Services LLC. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize but should have been covered in full by insurance/Medicaid. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid and in fact received a notice that the accounts would be removed. Additionally, I previously filed a CFPB complaint on XX/XX/XXXX in regards to the accounts that were supposed to have been removed and only 3 accounts have been removed. The one remaining account XXXX on my credit report continues to negatively affect me and I have never received adequate validation that the debt is mine nor that it was never paid by Medicaid/insurance. I do not believe the account belong to me as it should have been paid by insurance/Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct and that the charge is not covered in full by insurance/Medicaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
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:
In XXXX of XXXX, I noticed that the creditor, XXXX XXXX XXXX had been placed on my credit report. I immediately contacted XXXX XXXX XXXX at the address provided on my TransUnion report and I contacted TransUnion to dispute the debt since I did not or have I ever had and account with XXXX XXXX XXXX. 

XXXX XXXX XXXX NEVER wrote me back or contacted me. 
TransUnion continued to report the debt first showing a balance of {$2500.00} for about 6 months and then magically, after I disputed the debt again, TransUnion changed the balance of the debt to {$0.00} and I have never paid or contacted XXXX XXXX XXXX because the debt is not mine. 
On today, when I look at my credit report TransUnion has placed the following text under " Payment Status '' - UNRATED OR BANKRUPTCY. I DO NOT HAVE A BANKRUPTCY AND THIS ACCOUNT IS NOT MINE AND NEEDS TO BE REMOVED FROM MY TRANSUNION REPORT IMMEDIATELY. 

TransUnion continues to respond with " THIS DEBT HAS BEEN VERIFIED ''. I've asked them " VERIFIED BY WHO ''. XXXX XXXX XXXX is not verifying this debt with TransUnion because they don't even answer my letters.

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: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the fair reporting act state employee credit union account number XXXX. Has violated my rights. 15 U.S.C1681 section 602A states. I have the right to privacy. U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Witch I have not written any intrusions for this account to be furnished. Also a dispute was filed informing them of laws broken and nothing was done but a update to my file witch I also didn't give me written consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I used my Bank of America mobile app to transfer {$1400.00} via XXXX to an individual thinking I was purchasing a puppy from her ( {$1200.00} for the puppy and {$230.00} for delivery ). It was a scam. Filed a claim with BOA ( XXXX ), but the representative said they forward the claim to XXXX which has 45 days to respond. He stated that 95 % of claims are denied and the individual does not receive their money back. He said I should have read the fine print where it states XXXX is only for transfers between friends and relatives. I told him that I thought that it was safe since BOA promotes it on their app.

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 2022-03-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened this account with Wells Fargo shortly after I moved to DC in XXXX to make it easier to withdraw cash because my XXXX XXXX XXXX XXXX card was not accepted at many ATMs in this area. The account I set up had no fees. Later that changed and so I attempted to close the account but was told that they would return the fees and stop charging. This happened a 2nd time but again they returned the fees and said that they would stop charging. Ive been very sick for the past couple of years suffering from XXXX XXXX and unable to manage my personal business the way I did in the past. But I learned that XXXX is once again charging fees! So I called but, unlike previous times, they did not offer to return the fees or stop them. I told the representative that I planned to file a complaint because I believe that this is deceptive and fraudulent and just plain wrong! Note : in reviewing my statements it appears that the monthly fees began being charged again back in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23
Company: EQUIFAX, 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:
Equifax has failed to update my address and it has been requested 4 times over the past six months in writing and by phone. Verifying documents have been provided with request submitted in writing and on XX/XX/21 Equifax verified me over the phone and advised my address was updated but this is false as of XX/XX/21 my address is still reporting inaccurately. I am a victim of identity theft and this is a serious issue. My address must be corrected immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I requested the closure of my checking and savings account on XX/XX/XXXX. I noticed that both of my accounts have disappeared from my online account ( I still have a credit card with Citi ) and I am still being charged monthly fees on the saving. Yet, I have to pay XXXX dollars. 
I contact the customer service and the banker, however, they could not give a concrete answer about the resolution. The customer service told me to go to a branch, branch told me to go to customer service.

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