BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
This Bureau chooses to report incorrect information as well as fails to send reports in a timely manner. This Bureau will even report information differently to you than it does with the creditor you applied with. Sadly you file a Dispute and it does nothing more than update inaccurate information with Court documents. Rather than remove it, Equifax takes the stance with the inaccurate reporter. Example XXXX XXXX XXXX XXXX of XXXX. This name dispute causes this bureau to not remove even with the Court documents. Please help me we are homeless and want to buy a home we are held hostage by this bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX I noticed through my online credit monitoring service that there were credit inquiries on my credit report that I did not apply for. Once I noticed this, I immediately sent Equifax a letter to let them know that these were fraudulent inquiries and that I did not apply for these item AT ALL. I asked them to send me proof of theses applications such as my signature on an application or a recorded conversation. They did absolutely nothing and still are reporting this fraudulent information. Also Equifax has 2 fraudulent addresses that are not my address reporting on my profile. When I called them they said they received the letters and the addresses would be removed in 48 hours. The fraudulent addresses are still reporting and the inquiries are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
I went online at the bank of america website to set a " travel alert '' because i was going to italy and wanted to use my atm and credit cards. Now i am XXXX and have tried atms at XXXX different banks and cant withdraw cash. I have done XXXX online chats with b of a, and they have not been able to figure out why the card wont work. they keep basically indicating there is no reason for it not to work. This is insane for a financial institution the size of b of a to mess up like this. I would have a major problem if i hadnt brought a XXXX atm card from my local bank ... it is working fine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have a Bank of America money network account. I used my card at the ATM to deposit {$360.00} and it did not deposit the money. I called the Bank and told them the problem. They told me to fax over a dispute paper. I faxed it over and they told me that it would take up to ten business days. I sent it in on XX/XX/XXXX and it is now XX/XX/XXXX. I still have not received my money and now they are telling me to resubmit the dispute form and wait another possible ten days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America colluded with XXXX XXXX to artificially inflate my homeowners insurance policy well beyond the cost of the policy. XXXX XXXX engaged in kickbacks to Bank of America XXXX XXXX XXXX XXXX as well as " profit sharing '' payments, and other costs unrelated to the procurement of new coverage. Your assistance would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Re : Your email dated XXXX/XXXX/XXXX on the Case number : XXXX Dear Sir or Madam : The response provided to you by Bank of America regarding my complaint is completely untrue and, in contrast, proves my claim that the BOA has utterly failed to provide notice in a timely manner before they improperly charged me {$100.00} or more in fees because : 1. one and only notice that the BOA provided to me was too late in that I received it in the mail on XXXX/XXXX/XXXX ; and 2. When I protested such unfair fee charges in person at the XXXX XXXX branch around XXXX XXXX on XXXX/XXXX/XXXX, the guy at the branch told me that I should have acted a lot earlier, which the BOA had made totally impossible for me. 
Again, I request that the BOA refund me any and all charges and be sanctioned properly to protect consumers like me from the same misconduct in future. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is reporting a collection account under XXXX that originally belonged to XXXX XXXX. Transunion just investigated XXXX XXXX and deleted it and then XXXX put it on my account in the last 30 days. It was not on the credit report pulled in XXXX 2016. he XXXX account shows it is from XXXX XXXX. Transunion is allowing a re-aged account and a previously deleted account to be reported on my credit. They are ignoring my requests to just leave it along long enough for me to get my mortgage account. They are saying it is going to take up to 30 days. They have cost me a good interest 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 non-monetary relief
Consumer complaint received 2015-10-12
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am being reported as 30 days past due by Ally Financial for XXXX incorrect months to all three of the major credit bureaus. I was told by Ally Financial that I fell behind 30 days past due for the month of XXXX but it is currently being reported for the month of XXXX and XXXX. I have been contacting them since XXXX in regards to the mistake and they have failed to fix this as it still shows the incorrect months. I disputed the information with them again on XXXX XXXX and it is now XXXX XXXX, 2015 and they just keep telling me they are working on it. According to the ( Fair Credit Reporting Act ) a company has 30 days to respond to a dispute and they have still failed to do so. I was never 30 days past due as my account was refinanced with them and all months were rolled over to the new contract. They are taking their time to correct the error and has not did anything to fix the issue and only makes excuses to buy more time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is reporting XXXX XXXX three times on my credit report which is against FCRA. This account belongs to XXXX XXXX not XXXX XXXX and has been on my credit report since 2007 and not only did I not sign for this account, I never paid on this account and this account has been on my credit report almost 10 years and Transunion has the same XXXX account three times. XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX all all XXXX are the same account and that is against FCRA. Also, is attached a copy of XXXX application page with a signature, if XXXX XXXX compares it with my mortgage document which is attached, from my resident XXXX XXXX XXXX, XXXX XXXX, you cn see this is not my signature. Also, I attached m property tax document which shows the date I moved into my current residence,XXXX. Between the XXXX residences, it has exceeded 15 years and was not residing at the address on XXXX XXXX application. I have never signed, received documents from this organization or paid on this account. Please remove these frauduelent accounts from my credit report 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 explanation
Consumer complaint received 2016-07-19
Company: Solomon and Solomon, P.C.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
As agreed i paid the amount that was owed. Account is closed and current and should be removed from my credit report. The amount Solomon and Solomon are reporting and the amount i owe XXXX were not the same which makes it look like XXXX different credit reportings. The collection agency did not ever contact me they just made a collection report on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a VICTIM of your " inquiry issue ''. 
XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX customer service would not help to take care of the negative inquiries reporting to 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 explanation
Consumer complaint received 2016-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have attempted numerous times to give TransUnion the opportunity to delete the late pays reporting to these accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX these accounts have not been verified nor did TransUnion respond to my request for method of verification per FCRA Section 611 ( a ) ( 7 ). These accounts have not been late and they have not been verified. I will also be sending this same complaint certified mail for the last time. If no resolution I will be sending a letter of intent to sue. Remove these negative marks immediately for there are damaging my credit score.

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 2017-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Transunion Inquiry Issue and customer service would not help and take care of the negative inquiries reporting on my credit report. Please remove XXXX, XXXX, XXXX, XXXX, XXXX, XXXX., XXXX, XXXX, XXXX, XXXX, 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 2015-08-11
Company: ALLY FINANCIAL INC.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
After review my credit report i founded my old auto loan from XXXX XXXX which this financial agency was closed and given to another financial bank Ally Bank. In 2011, the Ally Bank sent a tax form XXXX Forgive Debt to me and i submitted a copy of this form to all credit agencies to removed this account from credit bureau but this account still showing with no action taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I mail a certified letter to Transunion 3 times asking to send me validation of proof of this public record chapter XXXX bankruptcy. Transunion has verified they received all three letters but transunion continues to send me a letter stating verified. I asked for the letter of verification be sent to me on courthouse letter head etc a sample letter is attached Transunion continues to put this matter in dispute why?? Transunion then turn around and send me a credit report stating verified that 's not what Im asking for Im asking for proof of validation and transunion been playing games Im done playing games this is a serious matter and needs to be taking seriously. Attached documents are Letter from XXXX XXXX, Certified letter receipt, transunion validation on credit report, etc Transunion has no proof and I want this deleted off my account this is my final step and being that I followed protocol my next step is to take them to smalls claims court Im done plating games. 

Regards 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 2015-10-19
Company: ALLY FINANCIAL INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am not the person in debt, but my sister is. I received a call today from XXXX, asking for my sister by her full name. When I asked who they were, they said " I 'm sorry I can not disclose that information. '' When I asked " Why do you need to talk to my sister? '' they said " It is a private matter. Can you please pass a message? '' And when I asked how they got my information they said " We got it with some software. We ca n't disclose how. Do you know her? Can you pass a message? '' I then told them that I am a third party and they should not be speaking to me and then hung up the phone. They have now spoken to my sister and the company insisted that it is OK to call me, even though my name is not on the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never been or never will be XXXX XXXX, I have written to the agencies before to no avail.

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 2017-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I XXXX XXXX received a update on my credit karma app to see XXXX derogatory marks removed from my credit report which was XXXX XXXX and XXXX including many inquiries that was removed as well. 
about 2 hours later the derogatory marks and inquiries was added back to my report. I also have proof of letters send to the creditor with USPS tracking number 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 2016-01-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Response disputed Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. An adverse account will be automatically deleted 7 years from the date of last activity. Written confirmation was mailed on XXXX/XXXX/15. 

THE ABOVE paragraph is the silly response that Equifax has just sent me via my complain regarding account labeled XXXX. I disputed its age, and its unlawful re-aging and also the fact that all of the necessary credit history had been deleted. Equifax sent me this response and it makes NO SENSE! I do not know if they have deleted it or not. This account needs to be removed as it is unlawful and violating FCRA Law, they sent me this vague answer. How can it be removed after 7 years AUTOMATICALLY, as they claim, if they have lied to me and deleted the history which I was disputing as inaccurate in the first place. please help me, I am desperate and confused here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax and XXXX say I must mail in sensitive documents before I can get my credit report. Deed, Social security card, copy of drivers license etc. XXXX had errors in education and employer, and locked me out when trying to update for my " protection ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My credit score has drastically been reduced, because of information credit reporting agencies entered on my report based on disputed accounts. If certain acounts are being disputed and nothing finalized as to liability, how can they put such information on my credit? 
Credit reporting agencies have to clean up those disputed accounts from my report and straighten the records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Unable to obtain my report via official XXXX website ( paid ) or annual credit report. This happened before and Equifax just sent me a paper copy. I want access to this online.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Lakeview loan servicing oversees my FHA loan. At the end of XXXX 2015, I applied to roll my FHA loan into a conventional loan in order to get rid of the mortgage insurance. I have submitted all the materials they requested within 2 days. When they requested additional material, I submitted it within a day. I have not heard from anyone from processing and it has been over 2 months. I have not received my appraisal report even though the appraisal was done over 6 weeks ago and I keep requesting the report. I send emails and leave voice mails, but no one responds to me. I do not know the status of my loan and have not received my appraisal report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I HAVE WAITED XXXX MONTHS TO RECEIVE MY REWARDS FROM XXXX BANK AND HAVE COMPLAINED TO THE CFPB AND BBB .I RECEIVED A LETTER FROM XXXX XXXX PRES. OF BANK THAT I WOULD RECEIVE MY REWARDS WHEN MY STATEMENT PERIOD CLOSED XXXX XXXX. I SPOKE TO A CLERK AT THE BANK, XXXX, WHO TOLD ME THE REWARDS WOULD BE POSTED TO MY ACCT.ON XXXX. I CALLED THE BANKTHIS MORNING AND THEY TOLD ME I HAVETO WAIT AN ADDITIONAL XXXX WEEKS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: National Principal Group, LLC
State: ME
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
Receiving phone calls at work from NP Group XXXX. They will not give me information, just say I took a payday loan ( I did not ) that needs to be repaid by phone. Two calls so far. Other businesses in our area receiving the same call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank of America let me apply for a mortgage for a condominium in XXXX Fl. Fully knowing they were in a legal battle with the Home Owners Association, and we 're not writing any mortgages for this particular property. 
Bank of America charged be {$450.00} to apply. 
There after they B o A told me that the H O A did n't have enough insurance for the units, even though the condominium increased their insurance, even after they had underwritten XXXX mortgages in the corporation of the condominiums. 
They have refused to give me my application fee 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 monetary relief
Consumer complaint received 2016-09-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have incorrect information on my equifax credit report. I just contacted equifax again today to request an updated report and was told I already received my free report for the year. I explained that I am on public assistance and XXXX and I have things in dispute and would like to see an updated report. I again was told they will not send me an updated report for free.

Company response to consumer: Closed with explanation