BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following ( XXXX, TransUnion ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


XXXX XXXX XXXXXXXX

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 2020-09-03
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Never been late for payment. For XX/XX/2020 my minimum payment is {$700.00}. I called American Express Twice asking for an explanation ( XX/XX/2020 ) They did not give me an answer. The best answer was that the minimum balance is 2 %. My balance is {$2000.00}. My card is a no preset spending limit. And I learned that they put the account in a limit of {$2000.00}, I did not get that information in advance. My intention is to pay the {$700.00}, but I have XXXX XXXX, can not walk etc. This kind of charge create stress to the .people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
my bank has extended the time frame to pay my mortgage to 5 days ..it used to be 1-2 days.. i asked them to explain. they told me the mortgage bank accepts only checks. in fact they told me this twice which is a lie. a banker from my bank called the mortgage bank and clarified that no changes were made regarding my payment, with me as third party witness.. now my bank says the mortgage company sets the conditions for payments online. this month my 900.00 plus payment was taken out of my account on the XXXX to reach the mortgage bank on the XXXX.. this is a 9 day hold. and yet my other bank payments are only a 2 day hold. there is something going on that seems off. i was told to just have my mortgage company deduct the amount from my account every month. this is not acceptable and they wo n't even admit i have been lied to. i want to know why only this account is affected. what do they gain? an extra few days to float my XXXX $ to their advantage. this seems like a way to scam customers..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX was notified to terminate services as of XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. I had no written or verbal contract with XXXX that had a pre-determined time period or a specific notification required regarding notification to terminate services. 

Upon receipt of the first bill from XXXX after my request to terminate services another call was placed and the request to terminate was once again provided, noting that I originally called and terminated services on XXXX/XXXX/XXXX. 

On XXXX XXXX, I sent a letter to XXXX and The CBE Group Inc. ( XXXX collection agency ) asking them to cease collections activity. On XXXX/XXXX/XXXX I received a letter from The CBE Group advising with XXXX response which was merely a copy of their billing statements without proof of claim. 

I have attached my XXXX bill ( internet ) and my XXXX bill ( television ) in support of my claim that a request to terminate services was made to XXXX. 

XXXX simply did not document the request, not once but twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home ( condo ) approximately 20 years ago. My originating loan was with XXXX XXXX. Approximately 6 months ago my loan was sold to Rushmore Loan Management Services (  RLMS ). I received correspondence from RLMS requesting proof of insurance which I sent proof of the Master and Flood policies. These are the policies that was required in my originating loan and satisfied XXXX XXXX for 20 years with no issues. I received my RLMS Mortgage Statement for XXXX and they added approximately {$300.00} to my monthly loan payment for Insurance. I called and they stated that I was required to have H06 coverage. I explained that the condo unit is on the XXXX XXXX  of a concrete building. The building is covered in my master insurance policy. I will take responsibility of the inner walls that are also constructed of concrete. I explained that my loan did not originate with them and they should of never purchased the loan if it did not meet their standards. RLMS Agent stated that they could not help me or explain how they could change the requirements or terms of my original loan. They said my only recourse was to write a letter to their loan department which I did with no results. 

THIS IS THE 2ND COMPLAINT - ORIGINAL COMPLAINT XXXX-XXXX  WAS CLOSED IN ERROR WITH NO FOLLOW-UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2016 I sent letters disputing items on my credit report. I submitted a copy of my ID along with my SSI card. My disputes were rejected with a letter stating my ID is incorrect. My previous address XXXX XXXX XXXX XXXX XXXX , TX XXXX is my previous address. My current mailing address is : XXXX XXXX XXXX XXXX, TX XXXX. I have submitted the letters of dispute along with a copy of my ID, SSI Award Letter, and my SS Card. Please continue to dispute the items in the correspondence attached. 

Inquires : ( past 2 year timeframe ) - MUST BE REMOVED IMMEDIATELY!!! 
XXXX XXXX XXXX XXXX XXXX Judgement : PLEASE VALIDATE THIS ACCOUNT No lease was ever signed for this property in my name. 
XXXX Creditors : PLEASE VALIDATE ACCOUNTS XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax free credit report not available! XXXX and XXXX are able to provide free credit reports when my current information was supplied. 
Look at internet. Several customers seem to experience the exact the same issue that I have experienced. Equifax free credit report is not available and their website is showing that I ca n't get the report online. Instead, Equifax is asking me to send my XXXX and other documents requesting for free credit report. XXXX and XXXX are able to provide free credit reports when exact same current information was supplied to them. Why is Equifax providing such poor service to customers that need free credit report? 
Can Equifax improve standards to compare with other XXXX agencies - XXXX and XXXX so that customers do n't waste their time looking for free credit report from Equifax. 

Can Equifax implement appropriate quality measures and actions to resolve customer complaints with this credit reporting agency? 

I tried their telephone IVR system as well. It is not functioning and I had to repeat the same information again and again. I also asked them to address this through customer service email. I have not received any response so far. Why are they making this so difficult to obtain a free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I was late on my payment, however I made the correct payment amount on my account. Now they 're charging me again for the same month which I paid for for XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I sent an email to the CEO of Capital One - XXXX XXXX inquiring about how Capital One solicited constant emails, voicemails, advertisements surrounding the coronavirus pandemic, and that they were there to support me and assist me during these extenuating circumstances - which I have to disagree. 

Over the course five months I contacted Capital One Auto Finance on several occasions between XX/XX/XXXX through XX/XX/XXXX with regards to my financial situation surrounding the covid pandemic and had requested an extension on the loan and was denied each time. During the course of one of my calls I was told I could get a covid extension by applying online - which gave me hope - and I even had a representative walk me through how to do this - however, I never had the option pop up in my online portal with Capital One. 

I expressed to the CEO that due to the loss of my job - which was directly related to the coronavirus pandemic - I had financial difficulty making my monthly payments and had tried calling in for being considered an extension on my auto loan. After losing my employment I had to wait for unemployment which also took more time than expected due to the high unemployment rates in correlation to the coronavirus pandemic. During this time of being unemployed and waiting for unemployment to kick in I was reported late to all three major credit bureaus for the months of XXXX, XXXX, and XXXX of XXXX. 

In conclusion - due to a direct result of being impacted by the covid-19 situation financially with being laid off, having to collect unemployment, I reached out to the CEO of Capital One to be considered for a goodwill gesture in relation to being reported 30 days past due for XXXX, XXXX, and XXXX of XXXX and asked if they would kindly remove those negative remarks. 

I have friends and family that had received extensions on their auto loans with no issue and some of those loans were relatively new and in this case I feel as though I am being discriminated against. There was no reason as to why Capital One could not have granted me at least one month to say the least. They constantly were reminding me they were " there '' for me - but every time I would seek assistance I was denied. I feel that this was deceptive behavior and was given " false hope '' during one of the biggest pandemics as a nation we have ever seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: AR
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:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. 
XXXX {$1700.00} USDEPED XXXX {$2000.00} USDEPED XXXX {$2000.00} XXXX  XXXX {$2500.00} XXXX XXXX {$1500.00} XXXX XXXX {$0.00} XXXX XXXX {$20000.00} XXXX  XXXX {$860.00} XXXX  XXXX {$1000.00} XXXX XXXX {$22000.00} XXXX  XXXX {$860.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$640.00} XXXX  XXXX {$270.00} XXXX XXXX XXXX {$280.00} XXXX XXXX {$860.00}

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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. 
XXXX {$1700.00} USDEPED XXXX {$2000.00} USDEPED XXXX {$2000.00} XXXX  XXXX {$2500.00} XXXX XXXX {$1500.00} XXXX XXXX {$0.00} XXXX XXXX {$20000.00} XXXX  XXXX {$860.00} XXXX  XXXX {$1000.00} XXXX XXXX {$22000.00} XXXX XXXX {$860.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$640.00} XXXX  XXXX {$270.00} XXXX XXXX XXXX {$280.00} XXXX  XXXX {$860.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Radius Global Solutions LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This information appeared on my credit report as a collection. I never owned this debt, I don't know either company. I never received a letter or information attempting to collect the debt to allow me to contest it as required by law. 

RADIUS GLOBAL SOLUTIONS Last reported XX/XX/XXXX {$340.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 1 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 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 2020-08-11
Company: EQUIFAX, INC.
State: AR
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:
My credit has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX  XXXX {$3500.00} XXXX XXXX {$1100.00} XXXX   XXXX {$3300.00} XXXX  XXXX {$6900.00} XXXX   XXXX {$8500.00} XXXX  XXXX XXXX {$210.00} XXXX   XXXX {$390.00} XXXX XXXX {$1100.00} XXXX XXXX {$5000.00} XXXX XXXX {$820.00} XXXX  XXXX {$1300.00} XXXX & XXXX XXXX {$190.00} XXXX  XXXX {$320.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX has been on my account since XX/XX/XXXX with false amounts of {$2400.00}, {$2700.00}, {$1300.00}. Us Dept of Education been on my account since XX/XX/XXXX with false amount 's of {$1300.00} on my report two times Direct loan svc system has been on my report since XXXX/XXXX/XXXX false amounts of {$7000.00} i never in my life made any payments on these loans, they were supposed to remove off my report and have not removed .They have multiple accounts on my report and have not removed any accounts have ignored my request, i want the accounts removed 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 2016-12-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX XXXX, XXXX when I first put in a complaint Wells Fargo has not even had a underwriter speak to me They refuse to get on the phone an discuss reasons for denial. I have repeatedly inquired and requested for a specialist to allow me to make my original payment and or come up with a payment arrangement. All are losing site of the fact that I was a NON ESCROW account not in default paying my taxes and monthly payments. the town accepted my payment arrangement for taxes. Wells Fargo came in and went against my original loan documents and forced me into escrow making my payments XXXX more a month. The end of the month is coming and I will for the FIRST time be late on a monthly mortgage payment. they will not allow me to make my original payment and will not even talk to me about a resolution. I am fearful of going into foreclosure and it seems wells Fargo does not even care. I have requested for their policy in writing to discuss the terms they have placed on me and they stated that it is an internal policy and they do not have it in writing. Why would a bank not want to make arrangements and avoid going foreclose proceedings and go in front of a judge. Pease help me I am in extreme distress

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 2020-08-11
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-08-11
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2017 ; I applied for a job through the job search engine XXXX  for a position as an administrative assistant w. a humanitarian company called " XXXX XXXX XXXX XXXX XXXX. I was reached via email from an HR worker called Mr. XXXX XXXX and his title was Chief Marketing Officer. He offered me the job and stated that he will be sending me two separate checks via XXXX of the amount of {$980.00}. We only communicated through email and texting, but I never heard his voice. He also provided me a website at XXXX.I trusted this company because they utilized the company a well-known job search engine, so I thought it was okay until I received the two checks and urged me to deposit them into my account as soon as possible but never asked me for money and when I tried to reach Mr. XXXX he didn't reply after bringing to his attention that both checks for fraudulent checks. Therefore, my accounts at Bank of America was closed and I tried to write a letter and provide proof to Bank of America in Missouri but was denied and was reported to XXXX  and XXXX XXXX, that I know. And haven't been able to open a bank account whats so over which is not right, I didn't do anything wrong just trusted the wrong job search engine.

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 2020-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX and XXXX XXXX my bill of XXXX dollars did not go through when it was on auto pay. I reached out the company and they acknowledge that they saw the payment try to come out of the bank but was rejected. They did not notify me about this rejection and just gave me a late payment. Now Im trying to get a Mortgage and because of this mark on my CREDIT REPORT its making it hard for me to provide a home for my family, it unfair that the company is not trying to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: Phoenix Financial Services LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from Phoenix Financial Services, LLC. dated XXXX/XXXX/XXXX stating a debt for creditor XXXX XXXX XXXX XXXX XXXX in the amount of {$570.00}. The date of service listed is XXXX/XXXX/XXXX. I have sent XXXX letters to the company asking to verify this debt since I have no knowledge of it. I sent the letters by USPS mail on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have yet to receive a response from the collection agency. I also noticed that the debt is being reported falsely to XXXX stating that the account was open on XXXX XXXX. This conflicts with the date of service listed on my letter for XXXX/XXXX/XXXX. This would allow the collection agency to collect well after the seven year statute of limitations would be expired.

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