BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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  ( orgingal creditor XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX orgingal creditor 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

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 2020-05-07
Company: Comerica
State: TX
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:
XX/XX/2019 COMERICA BANK, REPORTED ACCOUNT ABUSE on XXXX. I had direct deposit every other Friday on my account. The night before my deposits would hit they would access charges on the account. I have called them and they did credit some moneys back but it would continue to happen and no one in the bank could figure out what was going on with my account. I soon had to close it and get another account at another bank so that I would not keep getting those unknown charges accessed on my account. I then received an CLOSURE STATUS WITH A BALANCE OF {$330.00} THAT HAS BEEN ACCESSED ON ME. No one in the bank would try to explain to me where these charges are coming from. I would like this dispute reviewed and this be taken off the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: NC
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:
on XXXX XXXX i requested a reinvestigation in to the dispute results from a dispute about the XXXX XXXX  Acct XXXX. I stated that the account information was incorrect and inaccurate. On XX/XX/XXXX I recieved a response from equifax that they had completed the reinvestigation and that the account information was correct. Twice both Equifax and XXXX XXXX  have certified that the account information is accurate and correct. XXXX XXXX  reports the following : Date of last payment : XX/XX/XXXX Actual payment amount : {$0.00} XXXX -- -- Clearly inaccurate as you cant have a payment of {$0.00} Date of first delenquency : XX/XX/XXXX Account History with Status Codes XX/XX/XXXX 30 days past due XX/XX/XXXX 60 days past due XX/XX/XXXX 90 days past due XX/XX/XXXX 60 days past due XXXX -- - in order for the account to go from 90 days past due to 60 days past due a payment must have been made for the amount due in XX/XX/XXXX. This ayment is not reflected. CLEARLY THE REPORT IS INACCURATE AND INCORRECT and inaccordance with the FCRA must be deleted in its entirety. The problem here is that both XXXX XXXX  and EQUIFAX have both certified this clearly incorrecrt information as accurate TWICE. If EQUIFAX had done its job and looked at the report by XXXX they would have noticed the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: EQUIFAX, INC.
State: ME
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:
In XX/XX/2018 I took out a debt consolidation loan from XXXX XXXX XXXX XXXX. I supplied them with my credit report to pay my rent off. A check was sent to XXXX XXXX in XX/XX/2018 and deposited by them according to my banks records. However they failed yo update all 3 bureaus, and refuse to work with me on fixing it. I have proof of the check and deposit from my bank. I need this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have own my home for 19 years and I went thur the banking crisis in XX/XX/XXXXand I had trouble with Wells Fargo to give me a new mortgage. finally in XX/XX/XXXX I got a new mortgage thur making homes affordable. but my issue is why did it take so long for Wells Fargo to give me a new mortgage when I was ready back in XX/XX/XXXX. Now my beef with them is they took all of the arearage and legal fee and etc. They rolled it all in for me to pay. When I started I owed {$110000.00} and when the gave me the new mortgage it was up to {$220000.00}. Yes they did give some payback relief but I want to know why is it all on me for the arearage when all I could do was wait on them they took the 6 years. not me I was ready in XX/XX/XXXX. I want  to know if the guide lines for making home affordable is that the consumer has to carry all the burden of arearage when we really our hand are tied all we can do is wait for big business to tell us what we are going to pay. I contacted wells fargo and they told me that they did everything right. So I have been in this payment arrangement now since XX/XX/XXXX and still I have no answers. please what is the rules for this. THANK YOU

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 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 REVIEWED MY CREDIT REPORT AND FOUND INACCURATE SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2017-07-24
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
American Express and XXXX XXXX keep reporting negative remarks on my credit report. My Chapter XXXX was back in XXXX 2011. When I do get it removed it comes back in a month, especially if I apply for a loan. I feel this is unfair and abusive power that they have with credit agencies. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from 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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-01-19
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called XXXX XXXX to remove my consumer dispute on XXXX on XX/XX/XXXX. It was done immediately and reflected on my consumer copy of my credit report. 
I called XXXX  on XX/XX/XXXX to remove my consumer dispute. It was done while I was on the phone with XXXX  and reflected in my consumer copy of my credit report. 
I have called Equifax on XX/XX/XXXX ( 3 times XXXX, XX/XX/XXXX ( 4 times ), XX/XX/XXXX ( 2 times ), XX/XX/XXXX ( 4 times ), XX/XX/XXXX ( 3 times ) and again today XX/XX/XXXX ( now on hold on my 3rd attempt ) to get my consumer dispute removed from my credit report. Every single time I call into Equifax I am given inaccurate information and told something different every single time I call in. I have also been hung up on numerous times by Equifax including supervisors hanging up on me. I was on the phone with them for over 2 hours this morning again trying to get my consumer dispute remark removed from my credit file. This does NOT take 30 days to correct as it is a dispute that I put on there. Anytime a consumer calls to remove personal information or correct it that is done immediately. Just as it was done when I put this request in to XXXX  and XXXX XXXX. It was done immediately. 
I was going to file this complaint with the XXXX  but going to their XXXX  page there are over 3,000 complaints about these very things I am filing my complaint with you about. 
I am XXXX and I am trying to get a refinance done on my house. In order to do my refinance I need my credit report to be accurate. However, Equifax is making this near impossible and every single time I call I am told wrong information. 
When I finally talked to XXXX a different supervisor on XX/XX/XXXX he got it removed personally and told me if it wasnt showing on my consumer report with Equifax to call him on Tuesday and let him know. That is the over XXXX hour phone call I had with them this morning and was hung up on by a different supervisor. These people are INCREDIBLY rude and lie all the time about the consumer 's reports. I am fed up and they are making it impossible for me to get a refinance done because of their shady business dealings and lying to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 while I was viewing my Transunion credit report I noticed there were addresses listed that I have never lived at before, employers that I haven't worked at before. I have attempted to handling concerns with Transunion on by mail and I have not recieved any further correspondence. The addresses that I have never lived at before are as follows XXXXXXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX. I have also not worked at 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 2020-10-06
Company: American Credit Acceptance, LLC
State: FL
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:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When Navient was servicing my student loan, I called their customer service and asked them can I qualify for loan forgiveness since I am a public servant. They told me I do not qualify and failed to tell me what I can do to qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Saturday XX/XX/2020 I went online to Experian to get my free credit report which I ordered online and hopefully that will be mailed out to me but I also paid {$14.00} to Experian Connect to XXXX  my credit report for 30 days with businesses that may need my credit report.

IN order to " Share '' my credit report with others, Experian Connect required me to put in said business " EMAIL address '' so an " Invitation '' could be sent to that person or business.

I did so. The realtor I am dealing with received the invitation link and was then prompted to put her personal SSN # and information just to receive my credit report. I have not received any information stating they received link etc.. as experian connect said I would. The realtor is not comfortable putting in her information to Experian Connect Monday XX/XX/2020, I phone Experian and reach XXXX in the XXXX where she informs me that Experian Connect is not within her realm and I need to phone ( XXXX ) XXXX. I call that # and the voice prompts do not allow me to address my problem and so the call is disconnected. I then phone XXXX XXXX XXXX XXXX another Experian Connect phone # which is same voice prompt system as above # and it also does not allow me to address my situation and speak to a live person> I would like my {$14.00} returned to me and my credit report mailed out as the company Experian is a total fraudulent irreputable company just taking money and not even supplying manpower for people to be heard.

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 2017-07-24
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: Account information incorrect

Complaint:
I had residential mortgage loan with  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX .  XXXX . The  Loan h as been paid off as of  XXXX     2016. All  payments on the loan were made by automatic electronic payment system through my bank. No payments were ever late. However, in  XXXX     2016, f or unknown reason,  XXXX  returned  one paym ent, even though it was the same as every prior payment on the loan.  XXXX  then started charging late fees, and applying subsequent payments to that payment.     Upon learning such and speaking to  XXXX  representative, I made double payment. I also spoke to supervisor and upon sending in the bank record showing EVERY payment from my bank, the representative approved removing late charges.  XXXX , however, continues to list late payments on my credit report. It is adversely impacting my credit, and I am in process of applying for new loan.     I spoke with  XXXX  customer servic e 2 week s ago and was told they would respond in 10 days. No response has been forthcoming. I sent urgent email last week.     After years of similar payments by my bank,  XXXX  acted capriciously in rejecting my timely payment.  XXXX  once did acknowledge the error and removed the late charges.  XXXX , however, is not correcting the credit reporting on their error, and it is adversely impacting the credit of my report s (   XXXX   XXXX   XXXX   ) a nd my wife ' s reports (   XXXX   XXXX   XXXX   ).       XXXX  needs to remove adverse reporting on my credit on on my wife 's credit.

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 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had residential mortgage loan with XXXX XXXX XXXX, XXXX, Loan No. XXXX. The Loan has been paid off as of XX/XX/XXXX. All payments on the loan were made by automatic electronic payment system through my bank. No payments were ever late. However, in XX/XX/XXXX, for unknown reason, XXXX returned one payment, even though it was the same as every prior payment on the loan. XXXX then started charging late fees, and applying subsequent payments to that payment. Upon learning such and speaking to XXXX representative, I made double payment. I also spoke to supervisor and upon sending in the bank record showing EVERY payment from my bank, the representative approved removing late charges. XXXX, however, continues to list late payments on my credit report. It is adversely impacting my credit, and I am in process of applying for new loan. I spoke with XXXX customer service 2 weeks ago and was told they would respond in 10 days. No response has been forthcoming. I sent urgent email last week. After years of similar payments by my bank, XXXX acted capriciously in rejecting my timely payment. XXXX once did acknowledge the error and removed the late charges. XXXX, however, is not correcting the credit reporting on their error, and it is adversely impacting the credit of my reports ( XXXX XXXX XXXX ) and my wife 's reports ( XXXX XXXX XXXX ). XXXX needs to remove adverse reporting on my credit on on my wife 's credit.

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 2021-07-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX transferred 2 test debits from citizens bank to another account in my name. Went through fine. 
XX/XX/XXXX transferred {$10000.00} from citizens bank to other account XXXX called citizens bank to Check on status of transfer. Was told it would take a few days XXXX called citizens bank to check on transfer. Was told money should already be in other bank account. 
XX/XX/XXXX - called citizens bank to check on transfer on 3-way call with new bank. No results/ told to wait more days as the transfer went through fine. 
XXXX has to borrow {$10000.00} from employer in order to complete home purchase, because I was unable to buy the home I saved for 15 years to buy due to citizens bank still holding my {$10000.00}. 
XXXX called citizens bank as still did not get transferred {$10000.00}. Was told it should be fine, and was processed. That The other bank is at fault. 
XXXX called citizens bank to find my {$10000.00} and got extremely angry, finally was transferred to someone who said the funds are on hold actually and the transfer was cancelled. Was told I should have my funds back by XX/XX/XXXX XXXX funds of {$10000.00} not returned to me, check to repay my employer bounces. Jeopardizing purchase of my home as well as my employment. 
Still Do not have my money back. This bank has jeopardized my entire life. If one person in the many times I called had given me any real information it would be a different story. 
Each call to this bank had over 20 minute hold time to speak with someone. 
I still dont have my money. 
My costs associated with this include bounced check fees for both me and my employer who loaned me the money, {$750.00} fee to my employer for the loan in the first place, not to mention incredible stress, Many hours of my time, jeopardizing my home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
During this Pandemic we are struggling and your bank is telling people that if they want their card EXPEDITED they have to pay a fee. This is not a replacement card issue. This not exceptable. The bank is holding our cards hostage to make a profit off of us. 
I am writing to Gov. XXXX and then to consumer affairs. This must stop. The only way to send a card is After XXXX has sent the information. It can not be expedited. Your taking advantage for profit. This is not 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