BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
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:
Last XXXX XXXX is when I wrote a letter to this company requesting an investigation. After more than 30 days of waiting, I found that all the disputed items are still reporting incorrectly.The XXXX XXXX reported is outdated. The information has been withdrawn last XXXX XXXX due to insufficient information particularly my personal info which I verified with the court. This company 's records are definitely outdated and I do not understand how the can report that the items have been investigated. Also, Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to the collection accounts they are reporting allegedly on my credit report. To date, I have not received any validation document from any of these companies. More than 30 days have already past and these accounts are still unvalidated. The account numbers, balances, opening dates, date accounts were assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, 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 2017-04-11
Company: TRANSWORLD SYSTEMS INC
State: PA
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:
Nursing home where my mother was staying is trying to collect a debt that she owes from me. I am her daughter but did not sign her into the home nor do i have Power of Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Information belongs to someone else

Complaint:
I've submitted this complaint several times already about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX 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 2022-07-19
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had a loan with loan mart for est. XXXX with my title to car as collateral. The car was involved in accident and ins co said it was totalled and ins Co picked car up from collision shop. Since there was a line on car, I called loan mart and gave them all information with ins Co. My ins company paid loanmart Since they were the lienholders. Loan mart has been paid but reporting XXXX my credit that nothing was paid on this loan and turned a XXXX personal loan into a XXXX. The car only had a XXXX value and it had a clear title when I got the loan. I don't know why they did not subtract what was paid by my ins company and why there is an outstanding balance of XXXX. I attempted several times to clear this up with loan mart and was always put on hold for long periods of time and being passed of to different people and also being told ppl I spoke with no longer worked there so they can't determine what was discussed with ppl.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: TX
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 act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 explanation
Consumer complaint received 2017-09-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Good evening. I received a pre-paid Mastercard " debit '' card as part of an agreement between XXXX XXXX and I for {$25.00}. This card has an expiration date embossed like all Mastercards. The expiration date was yesterday XX/XX/XXXX. When I call the Mastercard system I am told I have a valid balance of {$25.00} for purchases ; however, I can not spend the {$25.00} due to the expiration date. It was declined when I tried to use the card today. I contacted Mastercard on XX/XX/XXXX and spoke to two people ( one in Corporate communications ) and they stated the money no longer belongs to me. I find this distasteful at best. I have the card agreement that was attached to the card and in tiny print there is one single line about " your CITI PREPAID Card expires on the date embossed on the front of the card '' -- it 's intentionally buried in fine print. How could this be legal?

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 2022-07-19
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:
XXXX AND XXXX HAS DELETED BOTH BANKRUPTCIES AND TRANSUNION IS SAYING THE INFORMATION IS VERIFIED, I NOTICED IN THE PAPERWORK YOU NEVER SAID WHO FURINISHED THE INFORMATION PLEASE VERIFY THE FURNISHER AND SEND THE IFORMATION IMEDIATELY TO ME, BECAUSE I NO THE COURTS DIDNT FURNISH THE INFORMATION BECAUSE I HAVE A LETTER FROM THEM.EARLY ON YOU STATED THAT XXXX XXXX THE INFORMATION XXXX  WAS FALSE BECAUSE XXXX A FREEZE ON MY XXXX AND XXXX AND ALL THE OTHER SECONDARY BEAUREAS, SO PLEASE LET ME KNOW WHO FURNISHED THE INFORMATION WITHOUT MY AUTHORIZATION.

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 2017-09-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am writing to bring to the CFPB 's attention of NAVIENT 's non-compliance with the law. I am writing about loan number XXXX. In 2013, I checked my credit report and I saw a fraudulent account XXXX XXXX on my credit report. I NEVER opened a student loan account with them nor sign any documents. I did an investigation and found out that " XXXX XXXX XXXX '' fraudulent included me as a co-signer in the loan without my authorization. I filed a police report with the XXXX Police Department because I lived in XXXX at that time. In the police report and affidavit, I stated that the student loan account was opened without my permission, and that my signature was forged, and I never " co-sign '' for any student loan. I forwarded it to the XXXX XXXX fraud department, and they never took care of it. It still shows up on my credit report. I told XXXX XXXX to remove my name and failed to remove it and holds the law in contempt. Please investigate this illegal matter and hold XXXX XXXX ( now NAVIENT ) accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is my second complaint, since the first was closed due to the company responding. The representative at Bank of America miscommunicatrd with me the outcome of the investigation of my missing loan payments. XXXX XXXX from the regulatory compliance department informed me that she would be sending me back all my documents that was submitted for payment to bank of America for my paid in full loan payment, stating that I do not have a loan with bank of America and I should be sending the payment to XXXX, the servicer. I was expecting to receive all my documents when XXXX XXXX sent these documents back via XXXX. Immediately upon review on XXXX, I called XXXX XXXX informing her that documents are missing and i demand a call back immediately. It 's been 4 days and I have not called back again because XXXX called me back to back when she thought this investigation was coming to an end and she was helping me but now there is a problem again, I have n't received a return call. The value of this instrument is XXXX and I want to be credited for this payment immediately, I have followed all administrative procedures in contacting them and informing them of my intention to sue if I do not receive proper credit for this loan. Now she told me I do n't have a loan with them, although XXXX uses bank of America for payment processing, but yet they never sent my original payment back, that i not only walked intp a local branch to submit, but had to pay a {$XXXX} processing fee for it to be sent to the processing department because im not a bank of America XXXX XXXX next step will be to sue with the bankers at my local branch being named as defendants along with XXXX XXXX XXXX XXXX. I refuse to believe this document has been lost. It was accepted on XXXX XXXX and received my processing on XXXX XXXX. I still have not received any acknowledgement that my account has been paid In full.

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 2019-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Problem with personal statement of dispute

Complaint:
Applied a new credit card few months. Forgot to enroll in auto-pay. As a result, late payment ( 36 days ) on the card. As soon as I released my mistake, enrolled in auto-pay and paid the credit card in full. 

Recently a month ago, i tried to refinance my mortgage and the loan officer basically denied my application. He said my credit score was low and would recommend waiting a few month to see if it improves. Credit score dropped to XXXX. 

Checked my credit report, it has " Derogatory Information '' Derogatory Information 1 Account XXXX Date Reported XXXX Creditor Name Bank Of America Status Open Called the bank in question, they waived off the late fee + interest on the card ( BoA ) But said, they can not do anything w.r.t removing the derogatory remark from the credit report ( tried to talk to 3 different reps, but gained no traction ) Any pointers on how to get rid of this remark/improve my credit score/soften the blow? Costing me close to $ XXXX/month by not taking advantage on refinancing. 

FWIW, In the past few years, my credit score has always been above or close to 800. I have never missed a payment in my 10 years of my credit history. I bought my house a yr ago with credit score of XXXX and got the best possible rate.

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 2022-07-19
Company: WELLS FARGO & COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX XXXX, I received a call from Wells Fargo claiming that I had an overdue credit card charge for {$77.00} to XXXX XXXX, that had accrued approximately {$80.00} in late fees and interest. I told them I had not received any statement to that effect, and in fact had not received any statement at all from them for many months ( I never use that card except at locations that do not accept my XXXX card, which are very rare ... here once in 9 months ) After checking they told me that the mailing address on my account had been changed for XX/XX/XXXX, to a XXXX XXXX address ( I'm in Hawaii ), and all billing and notifications had been going to that address. I asked them how they could change the account billing address without confirming that change with me, the account owner. They said they couldn't tell me, because they couldn't confirm my identity. Talk about absurd hypocrisy! They could change it for a fraudulent impostor, but couldn't tell the authentic owner how or why. 

That person on the phone said they would wave the fees and interest and send me all the statements since last XXXX when they had started sending the statements to the fraud initiator. 

Two weeks later I had not received those statements, when I got another call from Wells Fargo telling me that I owed the the service charge PLUS the fees and interest. I said the last guy said the fees and interest would be deleted because fraud blah blah blah and he said, okay, we'll send the statements again. A week later i got the statements, mailing date XX/XX/XXXX, three weeks after the first guy said they'd mail them to me. 

Of course, as now expected, this final statement said I owed the {$77.00} dollar charge PLUS INTEREST AND FEES! You can't make this XXXX  up! So I gave up. I'm not paying for costs incurred by them for fraudulently changing the address on the account without my approval. 

Today ( XX/XX/XXXX ) I got another call from Wells Fargo. Same XXXX. I owe them the {$77.00} plus the late fees and interest. Ridiculous. I doubt anyone can straighten this out with these totally incompetent XXXX, but what else can I do? Talking to them makes no difference at all, as they never do what they say they are going to do.

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 2022-07-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX  Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
my XXXX sister XXXXXX/XX/XXXX, with a reverse mortgage.i promised her that i would take of the funeral exspenses and etc. i notified the mortgage co. and other envolved parties of her death.we were told that her real property would go back to the mortgage co. it has been over 4 years since my sisters XXXX, and the property is still vacant. now the mortgage co. is threatning to sue me to payoff the loan balance.i have no connection with her property or her mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 explanation
Consumer complaint received 2022-07-19
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was married and my husband bought this house in XXXX. He put everything in his name and I was naive about this. In XX/XX/XXXX I suffered XXXX XXXXXXXX, he was convicted, he asked for a divorce and I was awarded the house in the court settlement, XX/XX/XXXX. The settlement also instructed him to allow me to speak to the financial institution, Freedom Mortgage, about the mortgage. He did not follow this order- although he continued to pay for the mortgage. The settlement further indicated that if he did not follow the order, that the court settlement would serve as approval for me to speak to the mortgage co. ( see divorce settlement attached, Section 1.1. A, B, C ). Unfortunately, my husband, unknown to me, ceased making the mortgage payments. He also had his bills sent to his parents house during and after our marriage so I never saw any bills ( I was naive in all this ). In late XXXX, my in-laws informed me of a letter to my former husband from a law firm. They gave it to me ( he has been out of contact with anyone for several weeks ). This was a foreclosure letter for XX/XX/XXXX. I have tried repeatedly to contact the mortgage company to allow me to see the bill, pay the mortgage and stop the foreclosure. They will not acknowledge the court settlement nor communicate with me out of their greed - because my name is not on the mortgage even though the house was awarded to me. This is life altering for me and my XXXX and XXXX XXXX XXXX. I am desperate and writing everyone and anyone to help. My husband was nefarious and controlling from the start. I was naive. have a XXXX XXXX that has impacted my ability to deal with him well. Freedom Mortgage is taking advantage of me and my family by not even allowing me to bring the mortgage up to date and stop the foreclosure. 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 2017-09-10
Company: DISCOVER BANK
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this Discover Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: SYNCHRONY FINANCIAL
State: FL
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 was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$3300.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off 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 2019-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a call from a Bank of America representative, the day right after my credit card payment was due. This was on XX/XX/XXXX and she had told me that the bank was going to close my account. I had asked them the reason and the associate had told me that they didn't have a reason to do so. I had kept the account in good standing. I then went to my local Bank of America branch and spoke to an associate there who called the Account closure line and we spoke to a very rude employee who said that they were going to be closing my account for no reason. The associates had said that my account had been closed due to account with XXXX   which is a popular stock trading app downloaded by thousands of users. I have done nothing to have my account closed and would like this resolved.

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 2022-07-19
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was opened in my name. I received a debit card at my house asking me to activate it. I did not open the account. I have contacted them via email and they refuse to respond.

Company response to consumer: Closed with explanation