BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-20
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: Was not notified of investigation status or results

Complaint:
XXXX has multiple accounts with my social security number attached to them in states i have never resided in. as a result the debt collectors have reported them to my credit report which is hurting my credit.
i contacted com cast., the collectors. and the reporting agencies. to date nothing has changed after 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
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:
I contacted TransUnion in XXXX of 2021 regarding the account XXXX being added to my credit file without notification. I was not contacted by XXXX with regards to this collection. I also contacted Trans Union with regards to the past due balance in the amount of {$440.00} listed on this collection account. A collection is by definition is past due. So how can you list a past due amount? Credit Bureaus are required to report only accurate information. Trans Union is clearly reporting inaccurate information.

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 2017-07-20
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX, XXXX XXXX contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XX/XX/XXXX, XXXX XXXX again contacted me via a letter. They stated the lease terms can not be altered for me. XXXX must administer to the terms of the contact that were agreed to at inception. XX/XX/XXXX, I, XXXX XXXX XXXX contacted XXXX XXXX via a letter. This letter discussed the reasons for my hardship. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-19
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am awaiting a response regarding my mortgage interest payment reported to IRS for XXXX XXXX XXXX and additional information regarding interest from XXXX XXXX  XXXX, A Division of XXXX, XXXX on behalf of note owner Bank of New York as of today, XX/XX/XXXX. I received two written letters dated XX/XX/XXXX, See Exhibit # 1 and XX/XX/XXXX, See Exhibit # 2, from XXXX XXXX XXXX, A Division of XXXX, XXXX of XXXX, XXXX on behalf of note owner Bank of New York. These two letters contradict a different set of two letters dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX, A Division of XXXX, XXXX of XXXX, MI on behalf of Bank of New York, the noteholder, with both letters stating, " We are working to gather the requested information and will forward it to you as soon as possible. '' Therefore, this is XXXX and I am demanding the answers to the following questions in regard to XXXX # XXXX for property XXXX XXXX XXXX, XXXX, MD XXXX : XXXX. What date that XXXX XXXX XXXX sent the original IRS Form 1098 for XXXX to IRS? 
2. What date that XXXX XXXX  XXXX sent the corrected IRS Form 1098 for XXXX to IRS? 
3. What date that XXXX XXXX XXXX sent the original IRS Form 1099-INT for XXXX to IRS? 
4. Where is the Escrow Analysis for the period XX/XX/XXXX to XX/XX/XXXX with all consecutive months? 
5. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX XXXX has on record for me with XXXX, XXXX as the third-party requestor ; XXXX. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX XXXX has on record for me with XXXX XXXX XXXX as the third-party requestor? 
7. What is the name of the contact person at XXXX XXXX  XXXX and XXXX, XXXX for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 
8. What is the name of the contact person at Bank of New York, the note owner of my mortgage loan for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 
9. Where are the copies of any documents with SXXXX XXXX XXXX XXXX XXXX XXXX that I signed giving them the authorization or written consent to release my NPI ( Non-Public Information ), as defined by GLBA, Gramm Lilley Beach Act, to third parties?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX, XXXX, XXXX XXXX contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XXXX XXXX, XXXX, XXXX XXXX again contacted me via a letter. They stated the lease terms can not be altered for me. XXXX must administer to the terms of the contact that were agreed to at inception. XXXX XXXX, XXXX, I, XXXX XXXX XXXX contacted XXXX XXXX via a letter. This letter discussed the reasons for my hardship. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.

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 2017-07-20
Company: CITIBANK, N.A.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I financed my home in XXXX I have only had one late payment in the past. As of XX/XX/XXXX I am now 51 days late on my mortgage payment. I contacted Citi Mortgage on XXXX XXXX to let them know I would pay them in full on XX/XX/XXXX that I had just gotten back to work. On XX/XX/XXXX they sent some to my home with a letter and gave it to a person I had cleaning my yard. Then my daughter came out of the home and was informed that I needed to contact them or I was going to loose my home. On XXXX XXXX.another person was sent to my home with a letter. And he also talked with my XXXX daughter. I get letters every day about this payment. Wanting me to contact them at XXXX when I call they say that I am being recorded when I say I am recording them they transfer me to anther line and hang up. This is harassment

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 2022-06-15
Company: EQUIFAX, INC.
State: MO
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:
Account balances with XXXX were reduced to XXXX due to the government and the class action on schools who defrauded customers. They have partially removed some of the balances however they still are showing XXXX accounts with balances that should be XXXX. I have attempted to contact them multiple times to only get a run around. I have also prior to the Load discharge, had filed bankruptcy which the loans were listed, they also refused to acknowledge this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: BSI Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
BSI Financial Services is reporting an unpaid mortgage balance that is not owed. Attached I have provided evidence that the unpaid balance that is being claimed by BSI Mortgage has been resolved two years ago. 

Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I deposited a paycheck through the mobile app on my phone into my Bank of America checking account. Until this time, I have ALWAYS gotten use of these funds the next business day. I have deposited checks from this company twice a month for 10 years. Never once has B of A held my funds longer than one day. This time they put a Hold on my funds until XX/XX/2020. 

I checked with the employer writing the check to see if they switched bank account or banks or have had other problems on their end. They assured me they had not. 

I called B of A on the XXXX and was told that they have the right to hold the check up to 7 business days. While I understand that, they have NEVER done this before. I asked what the reason was and all the rep could say was that there was nothing I could do about it. I asked to speak to a manager who said I should talk to someone on their " Preferred line '' and she transferred me. 

The rep on the " Preferred line '' said there was nothing she could do because the bank had the right to hold the funds. I asked to talk to her manager who told me to call back the next day after the check had posted. 

I called back the next day, the XXXX, and the rep said there was nothing they could do about it. I asked to speak to THAT manager who said he didn't know why someone would tell me to call back because there was nothing they could do once a hold was placed on it. I asked to speak with HIS Manager but that manager was not in and he said he would have him call me back in 24-48 hours. It has now been 48 hours and I have not heard from them. 

I have since found out that my check cleared the drawn on bank on the XXXX. I still do not have access to my funds. It is a large amount to me and I will be having late fees and possibly NSF 's for my billpay payments that have been set up. 

I thought that Regulation CC requires a bank to provide me with the reason for the hold within a day of making the deposit. I know it can be held up to 10 days if there is a reason. But this check has already cleared the drawn on bank.

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 2022-06-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To whom it may concern, This is a simple matter but the bank in question is not responding to any of my communications either by phone and or to the XXXX complaint which was filed and marked as closed unsatisfactory. 

A merchant ( XXXX XXXX ) processed a refund to XXXX credit card that I used to have, but I have never received the funds. I have rang XXXX on a number occasions as they staff in the remote call centers have been quite abrupt and simply told me, to contact my current bank. 

XXXX closed down and transferred their business to Citizens in XXXX of this year. There was a refund processed by a XXXX merchant in full on XX/XX/XXXX of this year, but I have not received a check and my current bank states they have not received the funds. 

The refund was made to my XXXX XXXX Credit Card [ expiring on XX/XX/2025 ] : {$530.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: MI
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 list of inquiries is unknown and erroneous. The inquiries were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following accounts removed accordingly.

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 2022-06-09
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:
Transunion has stated they " verified debt '' Please explain to me how you conducted your investigation! 

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 

Please respond accordingly,

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 2020-01-09
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid my XXXX loan off after 4 years of payments. Took every last penny in my account. Thought I was done with these XXXX. Then the following month Great Lakes withdrew my monthly autopay amount of {$590.00} out of my account. I called and the extremely condescending representative informed me that, despite paying off the loan I still needed to turn off autopay. Ridiculous! What other loan servicer requires that? To make it more absurd, you cant turn off autopay online once you are done making payments. Great Lakes informed me that they couldnt refund my payment for 45 DAYS! It took every spare penny to finally reach my goal of being debt free, how can I pay my rent this month? I bet that the majority of people use autopay and many of them dont realize they need to cancel after paying off the loan. If Great Lakes is holding on to an extra payment for all those people for 45 days they are earning some serious interest. Its criminal and sad. I guess they have the federal government feeding them customers so what do they care if young people trying to repay student loans get XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
For months now I have been trying to get Experian to remove and acknowledge their derogatory comments on my credit file. Experian wants consumers in debt. Prior to my paying off my auto loan and paying down my credit cards these comments were never displayed on my file. " All of a sudden '' as I have paid off nearly all debt, my score has dropped from XXXX with debt to XXXX with no debt. Experian continues to ignore my request to justify why they are reporting such things. They also fail to amend my old statement add my new consumer statement to my file as requested. Balances on my file are also incorrect but my statement needs to be added seeing Experian fails to explain their reporting.

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 2017-07-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I ordered on line a 48 '' TV set from Walmart for {$400.00}. The first week of XXXX. Notified it would be delivered XXXX XXXX. Arrived XXXX XXXX by XXXX badly damaged. I notified Walmart and they arranged for XXXX to pick it up XXXX XXXX. I had no shipping label so they would not take it. Meanwhile, I went to Walmart and bought another TV. For the past two months, I have tried to make a return. I have chatted 6 to7 times with Walmart reps. I called their customer service rep. three times. All assured me that it would be taken care of. Today I received an email that it has been over 90 days since I received the TV and they are re-billing my credit card for XXXX. The main problem is that I do not have the right equipment to print out a shipping label. The answer to that was at least three reps. on chat said they would send me one. The last chat the supervisor told me a private shipping company would pick it up as they do n't mail out shipping labels. As of today that has not happened. We are seniors, live in a mobile home park and leaving XXXX XXXX to celebrate XXXX years of marriage with family in Ga. Will be gone near three weeks. Without help from Walmart the TV will still be here and we have to pay {$400.00}. It can not be returned to a store and my husband being XXXX I am unable to handle it.

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 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 HAVE CONTACTED TRANSUNION ON 4 DIFFERENCE OCCASIONS AND HAVE SENT AND CONTIUE TO SEND DOCUMENTATION FOR INQUIRES THAT ARE NOT MINE! THEY CONTINUE TO GIV EME TH ERUN AROUOND WITH NO ASSISTANCE. I WAS TOLD TOLD TO COMPLETE THIS REPORT WHICH I HAVE AND SENT IT IN, 5 TIMES AND TH EWLATEST BEING CERTIFIED. THEY HAVE YET TO RESPOND AND I HAVE SEVERAL CONFIRMATIONS SHOWING THAT THIS WAS RECEIVED.

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