BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
need a copy of original contract signed

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX complaint XXXX was submitted through CFPB for 1 unauthorized inquiry from XXXX/XXXX  from dates : XX/XX/XXXX, with Transunion. XXXX kindly answered that was going to it off, on the answer to CFPB. The Credit Agency neglect to take the inquiry off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. Please act according to the answer submitted to CFPB, on your previous answer

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 2020-12-22
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX and Experian both refuse to remove a bankruptcies that they claimed were verified through a 3rd party, XXXX. Since then, the bankruptcy has been removed from XXXX, admitting lack of verification on their end. Also, reports have been frozen in order to protect my scores during the repair process. They refuse to remove the bankruptcies and have failed to verify the exact process for their verification. Experian removed the bankruptcies after the first round of disputing.

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 2019-09-05
Company: BB&T CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am preemptively filing to avoid all of the things described by the people here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not want to end up paying on this loan only to later discover that none of the payments show on the account or that I still owe more than stated 5 years down the line. 

I would like to know how to proceed with rolling back this loan or refinance through a reputable lender.

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 2018-11-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX I spoke with XXXX ID # XXXX of the CFPB who verified that Wells Fargo was in violation of the CFPB definition of refinance and was not in compliance see12 CFR PART 1026 ( REGULATION Z ) a ) Refinancings on the CFPB website, 1026.20 Disclosure requirements regarding post-consummation events. XXXX STATED THAT THE CFPB HIGHER UPS ARE AWARE of what is going on. 
THIS VERSION IS THE CURRENT REGULATION Search this regulation ( a ) Refinancings. A refinancing occurs when an existing obligation that was subject to this subpart is satisfied and replaced by a new obligation undertaken by the same consumer. A refinancing is a new transaction requiring new disclosures to the consumer. The new finance charge shall include any unearned portion of the old finance charge that is not credited to the existing obligation the refinance loan originated by Wells Fargo does not fit the definition of a refinance because the consumer is not the original consumer of the XXXX loan that was refinanced by Wells Fargo on XXXX. Furthermore the rider to the deed of trust renewal and extension exhibit caused us to suffer liabilities of a non served default judgement. XXXX XXXX ext. # XXXX of Wells fargo Executive Resolution department was very rude and dismissive and refused to explain in detail what part of the Texas constitution Article XVI Section 50a and XXXX XXXX guidelines authorizes a renewal and extension exhibit. Wells Fargo XXXX XXXX XXXX XXXX XXXX, Iowa XXXX has been unfair, abusive and used deceptive trade practices on us the consumers. Relief requested is release of default judgement lien caused by unauthorized rider to deed of trust renewal and extension exhibit and release of deed of trust drafed by XXXX XXXX of Wells Fargo and note held by Wells Fargo Home Mortgage. DECEPTIVE TRADE PRACTICES BY WELLS FARGO HOME MORTGAGE who is only looking out for their own interest and only care about their lien position, they could careless of the financial harm and duress they have caused us. CFPB WILL YOU REGULATE WELLS FARGO ACCORDING TO YOUR OWN DEFINITION OF REFINANCE DIFFERENT We are a different CONSUMER!!! Our homestead has been removed by the appraisal district, taxes have went up drastically, property taxes are not in our name even though chain of title shows myself as owner, the taxes are not listed in our name and we are not authorized to pay a tax bill not in our name according to the Texas Property tax code yet XXXX XXXX Case # XXXX, XXXX XXXX XXXX case # XXXX and XXXX XXXX of Wells Fargo executive department, CFPB case # XXXX-XXXX, OCC case # XXXX have threatened pay the property taxes and put an escrow account on our loan and force us to break the Texas property code laws.

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 2017-06-28
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This administrative complaint is being submitted on behalf of the borrower by her advocate. Borrower filed bankruptcy chapter XXXX in 2012. The mortgage loan was not included in the bankruptcy. The bankruptcy was discharged. Mortgage loan servicer ( Seterus ) refuses to send mortgage statements stating, " ... the borrowers are no longer contractually obligated on the debt and we are prevented from attempting to collect said debt. ".

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: 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: Account status incorrect

Complaint:
To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX   XXXX never late How is Equifax able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: EQUIFAX, INC.
State: ME
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:
TO : Consumer Financial Protection Bureau FROM : XXXX XXXX XXXX Dear Consumer Financial Protection Bureau ; I filed a dispute with Equifax for an invalid bankruptcy report that has been on showing up on my Equifax credit report since 2012. 

I have never had a bankruptcy, nor been in the District Court where it was discharged. 
I have been a victim of mistaken identity, and It clearly belongs in someone else 's file. 
There are many " XXXX XXXX 's '' out there. 

I have unable to resolve this issue with Equifax, despite repeated attempts to do so, including purchasing their consumer monitoring product. I did file a dispute with Equifax, but have been unable to view their results on line. I have also been unsuccessful in contacting them by phone. Dealing with Equifax ( and other credit reporting bureaus ) has been beyond frustrating, if not impossible. 

The bankruptcy error, ( which doesn't show up on my XXXX  or XXXX  Credit reports ) continues to show up on my Equifax report. Equifax has made it impossible for me to resolve this issue, and has made it difficult for me to obtain bank loans or other financial products due to the erroneous bankruptcy on my record. 

I am deeply frustrated with this issue, which is why I am appealing to you for help. 

I have been a victim of mistaken identity, and I would like for this erroneous bankruptcy to be permanently removed from my credit report. 

FACTS : - The Bankruptcy in dispute is listed under " Public records '' on my Equifax report. 
- It was discharged on XX/XX/2012 on District Court in XXXX, MA - The reference number on the credit report is : XXXX - This bankruptcy continues to show up on my Equifax report. 

Thank you, XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX Mailing Address : XXXX. XXXX  XXXX XXXX, Maine XXXX Physical Address : XXXX XXXX XXXX XXXX, Maine XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. Since I have made this request multiple times, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I respectfully request to be provided proof of these alleged items, specifically the contract, note, or other instrument bearing my signature established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. At this point, prompt deletions of the disputed accounts is a must.

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 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 recently transferred my student loans from  XXXX  to  XXXX , since I qualify for the federal student loan forgiveness program due to my military service.  Two  months went by with me calling both service providers to ask who I send payment to, and neither had any idea. On  XXXX   XXXX   2017 , I received a letter from  XXXX  stating  XXXX  would contact me about when it was time to submit payment. My  credit score then   dropped over  XXXX  points. I received no notice, either via email, account inbox, phone call or regular mail. When my payment information populated on the  XXXX  website, I was able to make payment for the two months missed.

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 2021-07-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is a follow-up to a prior report on overdraft fees generated by Citizens Bank 's failure to credit my account with a {$3000.00} credit to an affiliated account. The bank was made aware in early XXXX of the issue of a vendor refunding me {$3000.00} to an account that had been charged off, and has been promises ever since to track down the money and issue me a check. I experienced three broken promises from the local branch to issue me a check and have it to me by the following week, all through XXXX and early XXXX. Their failure to send it -- once due to a " computer glitch, '' other times due to never having gotten around to it, caused me to generate over {$1000.00} in overdraft charges. 

Last Friday, I received a call from the office of the chairman with an attempt to rectify the problem with a refund of roughly 1/4 of the overdraft charges and a commitment to track down the status of my {$3000.00} and get me an update " within two business days. '' One week later, I have received no update, no check, and no returned calls after leaving two voicemails. Meanwhile, my funds are dwindling once again, and the situation feels specifically like the bank is continuing to intentionally slow-walk and withhold resolution to returning my money in order to cause me to generate further overdraft fees. This is theft, plain and simple. It does not take two months to track down and return a credit made to the wrong account. This is negligence at best and possibly criminal, and certainly predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft fraudulent information listed below is showing on my credit report file but it is not mind. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased a ring from XXXX XXXX using XXXX XXXX Credit Card ( by Comenity LLC ). At the time of purchase ( XXXX 2016 ), the promotion was misleading as it described as if there would no interest payment for the 12 months. Instead, the promotion was actually deferring 12-month worth of interest payment on the initial amount, which is applied when full payment is not made by end of the 12-month period. In my case, I had already paid off about half of {$4400.00} of the intial amount by the 12-month period, but was charged with about {$1000.00} ( which XXXX XXXX credit card company had calculated with the prinicipal amount ) at the end of the promotion period. I was not aware of the deferred payment, nor do I belive that calculating 12-month interest payment on the intial prinicipal amount is fair. The monthly statement does not indicate anything about the deffered payments until the very end of the statement. Also I was not notified via separate email to warn me about the end of the promotion and changes it will make to the account other than a small section in the statement of the month the promotion ends ( which can be easily missed ). The misleading promotion, lack of customer service in terms of notifiying incoming charges, hard to find information on deferred interest payment on monthly statements, and calculation of 12 month interest on the intial principal amount make me believe that XXXX XXXX Credit Card wants the customers to pay larger amount of interest than they would have if they had no promotion at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

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

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 2022-05-04
Company: LendingPoint Holdings LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/2022 : Initiated a payment through the Lending Point app in order to process an additional Principal only payment for the amount of {$2000.00}. Called a representative to make sure that this additional payment was going towards principal only. The rep told me that they could not process it as principal only so I asked them to cancel the transaction and that I wouldn't make an additional payment if it would not be applied towards the principal. The representative told me that she wasn't able to do that and informed me to set up a stop payment with my bank. I set up a stop payment with my bank. The representative then without telling me voids the transaction. I call to set up a principal only transaction with a different representative who goes by Unique and " they have no idea what happened to the last transaction ''. They then inform me named that the rep prior did not know what she was talking about and admitted that this fee should not have been assessed. Their calls are recorded. 

XX/XX/2022 : I was assessed a {$30.00} stop payment fee. I call and send in an email providing documentation that the stop payment was assessed. They " submit a ticket '' in order to have this rectified. Silence for two weeks. I send a follow up email, radio silence. I follow up with additional phone calls, no response. Many " tickets '' have been created with no results. Only when I threatened to file a CFPB complaint did they want to start the refund process.

Company response to consumer: Closed with explanation