BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-17
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:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME THESE ACCOUNTS WERE OPEN UP FRAUDULENTLY SOMEONE STOLE MY INFORMATION TO USE THESE ACCOUNTS USE MY PHOTO ID AND MY SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
When I filed my XXXX Tax refunds direct deposit for IRS ( Federal ) and California Franchise Tax Board ( State ), I omitted the last XXXX digits of my bank account number. The bank involved is Bank of America ( BoA ). I contacted the IRS and BoA immediately after I noticed this problem but the bank is irresponsible and refuses to take any action even though they received my detailed notice and also the request from IRS. 
I informed the bank about my problem on XXXX XXXX, XXXX and notified IRS and California Franchise Tax Board on XXXX XXXX, XXXX. The bank representatives confirmed me that both deposit transaction slips ( for my tax refunds ) have my names on them and the amount matches with my tax refund amount. However to my big surprise, my tax refunds went into another person 's account with a complete different name. The bank should have rejected these XXXX transactions. The internal control of the bank is so bad that it does not review any transactions and refuses to correct the error even though they are informed about the problem. 
IRS sent out their request to retrieve back the incorrect deposited tax refunds on XXXX XXXX, XXXX through the XXXX XXXX XXXX XXXX XXXX by FAX, and the bank should have received the request immediately. However from XXXX XXXX to XXXX XXXX, BoA keeps telling me that they have not received any request from IRS and therefore refuses to take any actions to correct the error. On XXXX XXXX, XXXX, I was imformed by BoA that the bank did receive the IRS request on XXXX XXXX, which is totally contradictory to what the bank told me earlier. BoA told me there is insufficient funds left on that person 's account which received my Tax money. Therefore the bank can not fulfill the fund retrieving request from IRS. BoA should be responsible for this loss. 
I think that the BoA has a very bad internal control system. In addition, when I notified the bank about this urgent problem, the bank refused to take any actions and gave me misleading advice to just wait. This is dereliction of duty of the bank. It is really unfair. As a bank customer I feel very angry, and I want to take my money back.

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 2020-08-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called in to TD Bank on end of XX/XX/2020 to explain my hardship i have to pay because i'm affected financially by XXXX, they agreed and put me on a hardship program nad made with me a payment plan, bank also told me i have more time to pay it later and start to make payments on XXXX, and so i did i start to make payment on XXXX the balance agreed, but when i checked my credit report i see that TD reported me 30 day late on XXXX of 20202, and recording the CARES ACT if company Agrees to delay payment because of XXXX They not allowed to report me late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute regarding information on my credit report regarding 2 accounts which are not mine and this credit reporting agency has not required the businesses submitting the derogatory remarks on my credit report for proof supporting their remarks. Additionally, Equifax has not removed these negative comments from my credit report and it has affected me in a negative manner. The following businesses are fabricating derogatory information and dates to hurt my credit report. These businesses are listed as follows : XXXX XXXX, XXXX - They indicate I opened an account 2yrs, 4 mos ago. 
They are fabricating information. I have had " pay as you go '' phone service for over 6 years now. If you don't pay, you don't get phone service. Further, this company is indicating I owe them {$1300.00}. I dispute the validity of this account and the amount owed in its entirety. FYI - I have also been a victim of Identity theft 4 different times. 

XXXX XXXX XXXX ( 3yrs, 6 mos ) for {$120.00}. I disputed all the information and the validity of this account in its entirety. They are indicating I opened an account with them 3 yrs, 6 mos ago and owe them {$120.00}. FYI - I have also been a victim of identity theft 4 different times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: Rent Recover, LLC
State: IL
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:
This is in reference to claim number : XXXX. I have energy bill statements, but also, if I owe this much in rent, why are there no records of eviction notices attached? An eviction notice does not entitle someone to be there for that length of period without consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the month of XXXX, I requested a forbearance of my mortgage payments due to increased expenses during COVID19. I was told that when I was ready to start my payments again, I could either pay the missed payments in one lump-sum, spread the missed payments over the life of the loan, or move the missed payments to the end of the loan. Additionally, I was advised that there would be no negative repercussions to any of the above options. 

Since then, my wife and I have found a new home that we would like to buy. I was advised that I needed to take my account out of forbearance in order to get a new loan. I made this request last week. 

As of today that process is nearly complete. However, what I have now been told is that I need to make 3 months of payments in order to qualify for a new loan. This was NEVER shared with me at any point of the forbearance process, nor was it shared with me prior to making the decision to move the payments to the back of the loan ( after the fact, I was told that had I made the back payments, as opposed to moving to the end of the loan, Wells would have written the new mortgage right away ). I am told that this is not a Wells Fargo rule, it is a XXXX  rule. 

I spent several hours on the phone with them this morning trying to unwind the movement of the payments to the end of the loan and make it so I can pay the back payments in a lump-sum in order to get a loan. 

The only response that I have gotten so far is that it is not likely to do that and I will have to wait to get the new mortgage, which will cause us to lose the earnest check as well as the ability to buy this property.

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 2015-04-02
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2010 I was giving an forgiveness loan from Citi Bank then the loan file went to XXXX XXXX, from there XXXX then from there XXXX XXXX Of XXXX XXXX, and then XXXX XXXX went into my account and took out 170 dollars, I send them proof and had not heard from them at all but still 170 dollars is still being taken, they told me I can talk to a man call XXXX XXXX, I have call him, fax him XXXX and still no call back, I want to sued them cause they had no right going into my account, if you want me to fax or send the proof to you please call

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
First, XXXX did not disclose options for student loans. We were told that the only way to go to the school was by means of using Sallie Mae Loans. We were also told that the loan amounts were a different number than what the lenders are saying. The interior design department closed right after my graduation in 2008 and then the entire school shortly after that. Sallie Mae has charged huge interest fees, pulled loans out of deferment and forbearance months early and reported fraudulently to the credit bureaus that the payments were late. Both Sallie Mae and XXXX are reporting inaccurate information on my credit report in terms of lates, balances and charge offs. They are refusing to cooperate by sending over the required documentation such as signatures as evidence of exact loan dollar amounts and balances owed. They also did not mark my account as disputed within the 30 days of writing to them regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: DE
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:
In accordance with the Fair Credit Reporting and XXXX Account, has violated my rights. 

15 USC 1681 SECTION 602. A. states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code ( A ) subject to section 1681s3 of this title, any 15 U.S. Code 1681b - Permissible Purposes Of Consumer Reports 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6802 - Obligations With Respect To Disclosures Of Personal Information 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies 15 U.S. Code 1681n - Civil Liability For Willful Noncompliance 15 USC 1692j. Furnishing certain deceptive forms

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 2020-06-22
Company: ARVEST BANK GROUP, INC.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have set up biweekly payments through my financial institution to pay my mortgage which is held by Arvest Central Mortgage Company. I had even set up an additional full mortgage payment at the time of origination. I received notification that my mortgage payment was late and that one of my partial payments was being held. 
I contacted Arvest this morning, XX/XX/2020 and was told that they would not accept my biweekly payments from my financial institution and those payments that I had been making was not going to knock any interest off to shorten the loan duration. The rep stated that I could enroll in their biweekly payment program for a {$200.00} fee or I would need to contact Arvest 1-2 times per month to direct them on how to apply my biweekly payments. 
I am extremely upset with this process. Im trying to structure myself financially and am giving them the money to pay my mortgage fairly and accurately. 
I find their practices to be unfair and not doing the right thing for Consumers. I hope this complaint finds the right party and changes the way that Arvest conducts their business practices. 

Kind regards. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CAINE & WEINER COMPANY, INC.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had previously disputed an item from Caine and Weiner because they had not provided notice of my rights to dispute. Since then they have sent me a final bill from the original creditor. I have responded to them that the amount of the final bill appears to be inaccurate and have requested all payment activity, all billing activity, terms and conditions for the policy, as well as the date and reason of cancellation. They have not yet responded to this dispute which originated in XX/XX/2020. They continue to report this in the full amount on my credit report. 

This is a violation of the FDCPA subsection 807 ( 2 ) ( A ), the false representation of the character, amount, or legal status of any debt. 

As I have indicated that the amount is in dispute and they have not provided proof of the amount showing all payment and billing activity as well as the terms and conditions which stipulate when a policy is cancelled due to non payment as well as the reason for cancellation, any reporting of this to a credit agency is a direct violation. 

At this point, if the resolution is not removing the debt and ceasing all current and future collection attempts and waiving all debt owed on this account, I will seek the maximum {$1000.00} that I am allowed to seek in damages under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX has been reporting on TransUnion report. Ive never done any business with this company. I don't know this company. They don't even have a working number for direct disputes. I've never given this company my information. this is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
many times i have called navient with help with my loans. the monthly amounts are overbearing and they 've basically told me every time there is nkthing they can do to lower my amount. they have told me that there is no way to release my consigner when i asked if that would help lower payments. they have talked me into forbearance twice and i agreeed because i just simply could not afford to pay. i have been told before that my payments are not going to the balance of the loan that it says it is either. i am paying hundreds of dollars to never see a decrease in my balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Sequium Asset Solutions, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was disputing the way XXXX XXXX was handling this debt ( Federal Trade Commission ( Consumer Financial Protection Bureau ), Complaint Number XXXX ). Today, I was looking at my XXXX  Credit Reporting agency credit file when I saw that the XXXX  debt was reported, which drove my credit score down 75 points from XXXX to XXXX. The collection agency company, Sequium Asset Solutions , LLC never sent me a letter or a Notice that the XXXX debt would be reported to the credit agencies. What I gathered from a phone call with a representative of Sequium, the money of the debt plus the collection fee goes to XXXX even though XXXX and Sequium are separate companies. I was never given Notice that unless I paid the debt owed the XXXX account would be reported. This is very unfair to me as a consumer. In good faith, I decided to pay XXXX  the {$150.00} owed on the XXXX XXXX  web site ; yet I still owe a collection fee of {$37.00} to Sequium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: NY
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:
The company reports again a XXXX  XXXX business account which was already verified in the past as a business account and was deleted

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 2020-08-17
Company: Dyck-O'Neal, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have filed several complaints as this item was included in a discharged bankruptcy in XXXX. Dyck Oneal continues to re-age, and refuse to remove this item. I have never had any direct dealings with Dyck XXXX and the original debt was a part of the discharged bankruptcy. My last complaint with CFPB was denied because they again claim it is not a part of a discharged bankruptcy. My XXXX  credit report showing it is on page XXXX of XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 filed a XXXX  complaint against Kohls in XXXX  for reporting my account 30 days past due in XXXX. I have tried to obtain copies of the complaints but could not access them online so I will need to call them. I made a payment through the Kohls app towards my account, after several days of not seeing this money come out I decided to call to ensure they received the funds. I was told by the representative at that time that he's never seen anything like this before and that the money was not received, he then advised that if the funds were received the date I made the payment then the account would not have gone into past due. There is a screenshot attached of the payment confirmation. My bank XXXX XXXX says that there could not have been an issue with the routing/account number entered on my end if there was they said it should have declined payment right away and not given a confirmation plus had successfully gone through in the past using the same payment method. I decided to pay off and close the account right away due to the high risk associated with keeping this account open. My account was paid on time every single month while holding an account through them, I have been a Cap one account holder their processor and have an excellent credit history with them. Its unclear what went wrong here but it was certainly not on my accord. I figured filing the XXXX  complaints this was resolved since XXXX  is showing the account as paid satisfactorily and does not indicate the account was 30 days late, it did previously ( see attached ). XXXX  is showing this account still 30 days late in XXXX, I have disputed this twice with them the second time indicating that XXXX  is showing the correct information.

Company response to consumer: Closed with explanation