BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been trying to resolve a credit card issue with Fifth Thirds Bank since around XXXX, when someone fraudulently charged my credit card from XXXX  ( I live in XXXX XXXX XXXX Since then, they have stood behind a nebulous and archaic system of long hold times ( regularly over an hour ), phone transfers ( as many as four times before I can speak to anyone ), and claim denial - I initially had filed my claim as an incorrect amount because I had ( coincidentally ) bought something from the vendor who had charged me. The company listed the dispute as denied without ever looking at the name associated with the charge. I was asked to e-mail new information about the case to their disputes e-mail, which is apparently unused. They could not find my e-mail ( I've called twice about JUST THIS particular phase of my claim and been promised that I would receive a call back, but nothing was done ) despite my having followed the instructions for e-mailing a document. TODAY, I was told that I shouldn't use e-mail ( why do they HAVE an e-mail address then? ) Because I initially filed my claim as an incorrect purchase amount, the company has closed the chargeback claim and ignored everything that I have sent to them about this. At this point, the {$99.00} charge has cost me so much in time that it has turned into working for less than minimum wage to get it back. They have repeatedly promised to have investigators call me back and never did. They insist on things being faxed and " snail-mailed '' to them in a way that is clearly designed to insulate anyone who can make decisions on chargebacks to make it difficult for claimants to get their money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please see complaint filed # XXXX which I filed yesterday! Today I received a payment history which shows my original principal balance was {$340000.00}. This is a mistake on behalf of The Money Source, our original principal balance was {$330000.00}. 
They have change our payoff amount to reflect the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have resolved an auto loan with XXXX for XXXX XXXX XXXX The account had a derogatory status and still shows balance owed XXXX have sent me a letter acknowledging that account was resolved and that credit report would be updated to reflect this. At this time, almost 3 months later account remains with derogatory status and showing a balance that has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX Bank of America closed my checking account without notice. Since then i have no access to my funds. They said they mailed me a cashiers check with my funds on XX/XX/XXXX but i never received the mail and i think the mail is lost. Now they say i have to wait until XX/XX/XXXX which is the date that the check expires for them to reissue me another check.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2017-09-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on X/XX/17 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. By not responding and postponing the sale date the lender is not allowing an adequate review and assistance to be provided to the client

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 2017-09-04
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I want XXXX XXXX, Equifax and XXXX to update my credit report with the following personal information : Employer : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX XXXX Annual Salary : {>= $1,000,000} ( $ XXXX ), Annual/Total Household Income : {>= $1,000,000} ( $ XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear to whom this may concern, According to your company ; a Bankruptcy record with case number : XXXX, was reported on my consumer credit report. Your company indicates that the furnisher or supplier of this reporting to your company is XXXX as indicated in a recent dispute investigation that I have attached to this complaint. I must remind you any reporting on the consumer report must be accurately reported within the compliance of the FCRA and the creditors or furnishers of the consumer report data must not contain missing, fraudulent or inaccurate info. I had previously disputed inaccurate info related to the public record XXXX with your company on multiple occasions ; and in your past responses you clarified that the Bankruptcy was verified by the furnisher ( XXXX ). I have attached documentation verifying that your recent investigation results in response to my dispute for confirmation # XXXX ; that was submitted to your company on XX/XX/XXXX ; is falsified by your company and or in error. Your company claimed on the investigation document attached that the account was verified to be accurate by a company that has no record of the Public record XXXX in question prior to the dispute filed on XX/XX/XXXX. Therefore your response to my dispute regarding this record and your response to verifying the info as accurate was a clear violation of the federal law, and the fair credit reporting act. So either your company lied or knowingly falsified verified information. I must also state that that XXXX also indicated that the public record was comfirmed reported unaccrate according to their report as indicated in attatchment here. This verification you used does not comply with the FCRA 611 ( 15 U.S.C 1681 ) and the public record must be deleted or removed from the consumer report according to FCRA Code for XXXX if needed : XXXX Birthday is XX/XX/XXXX Name is XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX mi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They call me 3 times a day and leave me voicemails regarding collecting money. This account has been closed since XX/XX/2020. I never opened this account myself. The constant calls are causing unnecessary stress while Im trying to work. I have tried 2 times to ask them to stop contacting me and to remove this and have not heard from anyone. I never even received notice of debt collection or verification of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have filled a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. They are in violation of 15 USC 1681a ( 2 ) ( b ). As you may know, this law prohibits or excludes any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As a result of the credit reporting agencies not abiding by the laws that empower the consumer, I have been constantly denied credit. Thank you for your manners in addressing my dire situation.

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 2022-07-14
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
IN XX/XX/2002 NOTICED MONEY MISSIG OUT MY BANK OF AMERICA ACCOUNT PUT CLAIM BLOCKED OUT ACCOUNT CLAIM DENIED XXXX TIME BUT NO INVESTAGATION WAS DONE NO CREDIT GIVEN N STILL NEVER RECIVED MONEY

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 2022-07-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened a joint checking and savings account with Citi bank with the motive of moving money for my down payment to this account and setting up auto pay. 

Date of opening - XXXX XXXX, XXXX Funded account with XXXX $ ( XXXX XXXX, XXXX XXXX 
Never received any debit cards for the account. 

On XXXX tried to add another XXXX  account belonging to my wife to transfer XXXX $ in the account. We added the account and it didn't give us any failure message and this is where the nightmare began. They never added the account and i mistakenly chose an account which didn't have the funds. I immediately called the bank ( within 5 minutes of making the mistake since i couldn't see a way online to cancel the transaction ) and they gave me a response they can't do anything and since you don't have funds the transfer would be canceled. I still called my other bank and did a stop payment. Also, made sure that i am not removing any money from the account. 

They resolved the issue by around XXXX XXXX but blocked both my checking and savings account. And even till date i never received any debit cards. 

I kept calling them and they kept hanging up. They just repeated that the account will be closed and you will get a cheque for the money in your account in 60 days. They closed my savings account around 4-6 weeks ago which didn't had any funds, but they still haven't closed my checking account and returned money. 

I have tried calling them, visited their branch multiple times but no success. 

Also i tried to make them understand that i am moving from my current address so atleast update the address in your records and there answer has been can't do until the account is closed after which i will have to call customer care again and try and change the address. 

It has already been more than 4 months that i have been trying to get 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 2022-02-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filled a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. They are in violation of 15 USC 1681a ( 2 ) ( b ). As you may know, this law prohibits or excludes any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As a result of the credit reporting agencies not abiding by the laws that empower the consumer, I have been constantly denied credit. Thank you for your manners in addressing my dire situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: WELLS FARGO & COMPANY
State: MS
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:
Wells Fargo Credit Bureau Dispute Resolution sent a letter dated XX/XX/XXXX for accounts ending in XXXX and XXXX, Dispute ID number is XXXX and XXXX stating Wells Fargo found the information is accurate after I disputed in XX/XX/XXXX. On XXXX XXXX, I re-disputed both accounts stating dispute reasons were expiraration of the Mississippi Statue of Limitations for 3 years and both accounts are reporting current monthly late payments and were in charge-off status. On XX/XX/XXXX, Wells Fargo sent a letter to my address of XXXX XXXX XXXX, XXXX, MS XXXX stating account ending in XXXX is closed due to the age of the debt and will no longer attempt to collect from me. The account XXXX date of last payment is XX/XX/XXXX. However, the account ending in XXXX, date of last payment is XX/XX/XXXX and has not been closed due to the age of the debt as well. Both accounts continue to show erroneously errors, and false information on my credit profile which is severly harming my family from seeking adequate housing during the Pandemic. However, both accounts ending in XXXX and XXXX that have been previously disputed by me continue to show inaccurate account status in derogatory status by all 3 credit bureaus, both accounts were re-aged by Wells Fargo, and current monthly late on a collection-off dated back from XXXX XXXX for both disputed account which violates the FDCPA and the FCRA. XXXX  had previously removed both accounts off my credit report but re-inserted back on my credit without previous notification to me. XXXX  and XXXX  is showing the account ending in XXXX with a balance with current late monthly charges illegally. 
Both accounts ending in XXXX and XXXX have been disputed with XXXX, XXXX, and XXXX  from XXXX to XXXX over a period of 9 times in which all have been through certified mail.Wells Fargo continue to willingfully and knowingly put false, illegal re-age information on my credit profile after their alledgely investigations and should be held responsible.

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 2017-09-07
Company: ALLY FINANCIAL INC.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
As of today XXXX XXXX, 2017 I am currently in debt to Ally financial for the sum of XXXX I admitted that because of my bankruptcy and other issues that have occurred hospital bills, etc I was unable to stick to the agreed upon amount initially, although I have been in contact with the lender the only option that I have to make payments was disabled and they are currently attempting to repossess the vehicle. I advised the supervisor last week the vehicle does not run nor is it driveable and I just wanted to resolve the issue so that I can clear my credit. I was advised they would continue repossession attempts and then the account would go to the charge off department if they could not collect since I did n't have the full amount. I called Ally financial today to inquire about the location of my loan the rep that I spoke with initially I am unaware of her name she became rude and irate stating that since I was refusing to give the car back they were going to take legal action. I explained to her that was not what I had been explained last week and I was not refusing anything the car did n't work anyways I just wanted to pay my debt I was transferred to the supervisor who was out until XX/XX/XXXX I then called back got XXXX who advised my account was in the legal department because I refused to surrender the vehicle I then explained to her over a period of five minutes from terminating the last call my account was moved none of this was making any sense to me I repeatedly asked her where the account was located currently she advised me the charge off option was not an option for m since I refused I then advised her again that I was not refusing anything I simply want to pay off the truck and try to work out this matter no I do n't have XXXX to hand over currently but all options for form of payment for me have been cut off by the provider I ca n't make an online payment with my debit card or anything. At this point I have to wait for the supervisor to come back or for my account to move on it 's on because no one is willing to accept my payments. Is this normal for a car that does not run for a creditor to be so rude and try to belittle you? I am only wanting to make payments but they are absolutely like payment in full or nothing. I do n't know if hey have followed the direct channels in this matter my account was not accessible through out this entire time period online for me to make payments and I only made two payments online because I was never told how to make payments online for bankruptcy individuals. I was only allowed to go to western union which is only accessible outside of my work hours. Please help me to resolve this matter or look into this matter so that other consumers do not get treated the way XXXX treated me.

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 2022-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my credit report and saw this derogatory account reporting on my file. I have never done business with this company and need them off my credit report. I want to rent an apartment but I know the potential landlord will not rent to me with this account on my credit report. I wrote and email them a letter and have not receive a response as yet.

Company response to consumer: Closed with explanation