BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
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: 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 n 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. I do not understand why they are XXXX 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 XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and XXXX That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

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 2022-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Federal Reserve Team, My mortage which was serviced by Bank of America was just recently sold to XXXX XXXX. I was given a notice in XXXX that I should no longer make payments to Bank of American but rather that XXXX ( the new servicer ) would contact me to start making my monthly mortgage payments. 

When Bank of America sold the mortgage, it incorrectly shared information with XXXX XXXX that I did not make payments ( {$4000.00} ) in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have both a deposit receipts ( {$4000.00} ) form Bank of America ( branch deposit slip ) as well as a summary record from Bank of America confirming payments received in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for {$4000.00} each. 

When I tried making my very next mortgage payment ( I tried calling XXXX in XXXX but was told the account was not set up yet ) on XX/XX/XXXX, I received a letter from XXXX XXXX  that they will not accept any mortage payment until the entire past due amount ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) has been paid. 

We tried contact Bank of America to correct this mistake but are unable to reach or connect with them as their response is that they no longer service the loan, the loan has been sold and they can not assist any further. 

Whether this error was done by Bank of America my mistake or intentionally to sell a loan that was in good standing or whether this represents a pattern of fraud and abuse, we do not know. We would like for you to a. investigate this matter, b. help correct the issue at hand - as the impact and implications may result in further delinquency and default and c. and determine whether Bank of America has violated any laws, rules and/or regulations. 

I have paperwork and additional information as back up and will provide those when requested.

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 2018-09-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home in XXXX with a toxic loan and soon my payment was too high to afford my home. I was about to lose my home and I was offered a modification in XXXX. This modification helped me avoid foreclosure, however the modification I was given is a 10 year interest only program and the rate has increased over time. My mortgage loan is scheduled to adjust again in XXXX and my payment will include Principle and interest and it will be increase to the point where I will not be able to afford my home. I have desperately tried to refinance my home but have been unable to due to to my credit score and income not being sufficient to qualify. I have sent my mortgage service company a request to modify loan and have been denied I have appealed to this decision and they have not taken the time to consider my appeal. I have paid a lot of money over the past 8 years in interest only payments and would not like to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 reached out on the creditors/company many times but they have failed to provide necessary documents to proved that the account is mine. As a result, it drops my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Affirm Holdings, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Affrim , Inc. with XXXX # XXXX in the amount of {$1000.00} from XXXX XXXX, XXXX is illegality holding an account that has been filed as fraud since XXXX, XXXX, XXXX. 
Affirm, Inc. was notified XXXX, XXXX, XXXX that the account in collections was listed as fraud ; by their hired, XXXX XXXX XXXX XXXX listed as : XXXX XXXX XXXX XXXX # XXXX and reference # XXXX for loanID # XXXX. - Noted by XXXX. XXXX ID # XXXX XXXX, XXXX. XXXX XXXX XXXX then notified Affirm , IncXXXX XXXX, XXXX, XXXX of the account they were currently holding listed as fraud. XXXX XXXX had not been notified by Affirm XXXX XXXX in over a year ( XXXX, XXXX, XXXX ) as the validity of the account ( stated by XXXX XXXX. XXXX the submitted to Affirm XXXX XXXX on XXXX, XXXX, XXXX a noted fraud collections. Affirm, Inc. was notified and verified of notification on XXXX, XXXX, XXXX by XXXX XXXX and XXXX XXXX XXXX they both verified and confirmed they had not been in response to this notification in over 30 days and they did not notify the listed customer or XXXX XXXX  of any supplied information in over 30 days. ( XXXX, XXXX, XXXX ). To date Affirm, Inc. has still not supplied any documentation or validation of this debt to any parties, nor has it followed fair credit practices to remove any accounts during the supplied and allowed time. 

The original loan was established on behalf of a merchant that was notified XXXX, XXXX, XXXX of fraud, the merchant notified that the order was never fulfilled and the transaction was listed as fraud. Affirm, Inc. was notified that an established fraudulent loan was made and the attempt of this loan is not sufficient as the merchant never fulfilled order.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Forbearance and deferment need to be added to the PSLF waiver. So much information I received was incorrect. I was working full time while in XXXX XXXX, and was never told that when they automatically put the accumulating loan in forbearance I would lose years toward PSLF. I could have made payments during this time if I hadn't been steered in the wrong direction. I would be at the 10 year/120 payment mark by now if Fedloan had given me the correct information. This system is broken, and it's breaking me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TRANSUNION HAD A COMPUTER GLITCH!!!!! Where all my inquires were removed from my credit report. TransUnion noticed this so called error and put them back on my report. THAT 'S AGAINST THE LAW Without written notification before it 's added back. SO I CALLED THEM XXXX AND ASKED TO SPEAK WITH THE SPECIAL HANDLING 'S DEPARTMENT. I told them that my inquires were removed and suddenly reappeared, I was not notified in writing that these things would be added back to my credit report AND THIS IS AGAINST THE LAW- YOUR COMPANY HAS BROKEN THE LAW!!!!!!!!! PER FRCA SECTION 611.

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 2020-01-16
Company: Square Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Dear Consumer finance I'm having a difficulty due to having to change my phone number multiple times after being harrassed and threatened by my children fathers other baby mother 's and girlfriends ... moreover my phone battery was swollen and cell phone was also damaged I had to get a new phone the problem is that I had cash app linked to my phone a j prime XXXX XXXX XXXX phone and sue to having to switch phones I lost my app which my name tag for cash app is $ XXXX i also had problems because i forgot my passcode to my email address which is XXXX and all my information I also moved and had to update my address from XXXX XXXX XXXX XXXX, paXXXX my current address is XXXX XXXX XXXX XXXX pa XXXX My phone number is ( XXXX ) XXXX name that appears on my app is XXXX XXXX XXXX I'm currently not able to use my email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Today, XXXX/XXXX/2016, at about XXXX XXXX, I opened an account with TransUnion - mysmartmove.com - and used the service to evaluate a potential renter. shortly after completing the on-line process, I started getting a repeated automated email that has continued all afternoon and even now is sending to my email. I told the customer service people at the contact number, twice that I was getting unwanted repetitive emails and I sent them emails through their " contact us '' email. I just got XXXX more of these harassing emails. This is part of the email : From Subject Received Size Categories TransUnion SmartMove Recommendation ready for SmartMove Application # XXXX XXXX XXXX XXXX PLEASE. I do n't want these emails and I ca n't get anyone to stop them. XXXX XXXX - XXXXXXXXXXXX

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 2016-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
hi my correct is FIRST NAME : XXXX LAST NAME IS : XXXX i do not have midle name XXXX i have been contact all credit bruea but they never correct the information can you help me to resolve this please thank you very much

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 2016-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
REMOVE THE HARD INQUIRY WHICH WAS DONE WITHOUT MY PERMISSION ON THE XXXX/XXXX/16 XXXX/XXXX XXXX XXXX, NJ 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 2020-08-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I visited XXXX Colorado and I went to a branch and did a withdrawal. Two days later I received a alert that my account overdraft. I checked my account online and found that I had another atm withdrawal at a random place. I immediately called my bank to report the problem. I was denied twice in the same day. They said they couldn't help me. So I'm reaching out to get 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 2015-03-23
Company: ALLY FINANCIAL INC.
State: WI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
Ally Bank did not follow their published commitment of processing a domestic wire transfer request received by XXXX XXXX that same business day. Instead it took 3 business days and multiple phone calls to Ally Bank in order to process the request. 
To compound the issue, Ally Bank never proactively contacted me that there was an issue, it was only through repeated calling that I found out things were blocked waiting on some new verification action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have a 30 day late payment reported on my Transunion credit report from a company called XXXX ( account number : XXXX ) from XX/XX/2015. I personally called XXXX and they acknowledged the mistake but said that they could n't get the credit bureaus to remove them and that I needed to contact the credit bureaus and start an investigation. I did just that. Transunion sent me a letter stating that the 30 day late payment has been verified. How is this possible when XXXX knows it was a mistake? To me this was a lazy investigation.

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 2022-06-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : This letter is regarding account ************* XXXX, which you claim I owe USAA Savings Bank {$14000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspondent local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for debt a debt that I don't owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete this entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond may result in small claims and legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : * defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) * Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) XXXX 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 2022-06-20
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:
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 n i made this clear for 60 days straight with transunion 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm in the process of trying to repair my credit and I came across this account which has 2 accounts ( {$540.00} and {$190.00} ) which isn't mine. So I sent in a letter for validation as the begin process of cleaning up my file. I'm disputing and that was back in XX/XX/2019. I recieved no response back. Attached is a copy of the validation letter I sent. This account is not mine and I need proof : original copy of contract, signature and social, proof to collect in my state, Assignment clause, Notarized letter of debt purchase and signed contract from original creditor. As per the fair credit reporting act I'm within my rights to have this completed in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation