BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please see attached I have communicated with XXXX XXXX vigorously to have information removed from my credit report. They have now deemed the card to have been opened fraudulently and I ask that each credit bureau review the attachment and remove this account information 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 2022-04-30
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2022, I sent a letter requesting the 3 credit bureaus to investigate every piece of information on my credit report. According to FCRA, credit bureaus are supposed to investigated these items. They have sent me notification that the items were verified. They didn't do a proper investigation according t

o t he law. Every piece of information listed on my credit report is still not 100 % accurate.

The credit bureau has violated 15 USC 1681. The credit bureaus are supposed to complete all investigations before the expiration period under Section 611 ( a ) ( 1 ). The following accounts were not properly investigated : XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: HW Holding, Inc
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
on XXXX and XXXX this agency is reporting a debt of XXXX as of XX/XX/XXXX to XXXX XXXX for a property in XXXX XXXX I never lived in. the only exchange of money was for an application fee. no money ever exchanged to move in address no deposits and no utilities in my name. a lease was electronically signed and voided on the same day without ever moving in due to some comments that were insensitive and prejudice over the phone. 

from XX/XX/XXXX to XX/XX/XXXX I lived at.XXXX XXXX XXXX XXXX XXXX XXXX and moved to where I currently live which is XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX I have utility bills I can provide as well as leases to show. 

If i have never lived at the address : there is nothing to pay and nothing will be paid. I received one phone call from this business about 4 months ago no debt validation letter or notice of debt ( since I have never lived at the address ) take this s ..off my credit report for XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Sortis Financial, Inc.
State: AZ
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the process of selling my home, I discovered that a loan I thought had been discharged was actually being serviced by  ClearSpring Loan Services.  I had never received any correspondence from them in the nearly 10 years since I had m y 1st  mortgage modified. Regardless, I contacted them and they said I could settle at 50 % of the debt which came to around {$26000.00}. I raised this money within 2 days of contacting them and made arrangements and paid them. I am needing the lien released so that I can finish selling my home. It has been a month now and I still do not have the lien release. I call every single day and they tell me they ca n't give me any updates. They often telling me conflicting information such as the lien needs to be released by the original mortgage company,  XXXX . I called  XXXX  and they said they do not do the release, ClearSpring does it. It 's 100 % internal but then they will tell me they sent it to so me 3rd-party compan y to process and could take 90 days. I do n't have 90 days - I 'm trying to close on the sale of my house! I need this resolved ASAP. I have satisfied everything they asked of me and they are holding my title hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
trans union, XXXX and XXXX  will not allow me to dispute error on credit file and will not correct error on file. this is an acct that was paid in full on XX/XX/XXXX for car that was paid in full that i have pay off letter and title for car. also i have a complaint file number XXXX in which XXXX  XXXX XXXX states that correction will be made. i sent all info attached to credit reporting agencies and they still refuse to correct this error. the XXXX XXXX XXXX acct number is Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$430.00} plus they continue to drop my credit score with no change on my credit report in retaliation to my dispute of this matter.

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 2021-12-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I fell victim to an internet scam and was persuaded to transfer money from my checking account at Citizen 's bank to XXXX and from there to buy bitcoin and send it to a person pretending to be a professional miner. There were multiple transactions made and the amount totaled to over {$13000.00}. I filed three claims with Citizen 's based on the dates of the transactions. The first transaction was made on XXXX/XXXX/21 and the last was on XXXX/XXXX/21. I can attach the documents that show each of the transactions and the amounts if necessary. I was told that this scam is not covered under regulation XXXX and all of the claims were denied. I have a close friend that works for another bank and she is adamant that this scam is covered under regulation XXXX and that Citizen 's should be doing everything in their power to refund me the money. I was told that there is nothing they can do and am very upset and appreciate any guidance you can provide me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX ,  XXXX   XXXX  SS :  XXXX  Attention : CFPB Reason : Dispute  XXXX   XXXX   XXXX  : Account Number  XXXX  - Derogatory Credit Reporting Item - Erroneous Account Balance of {$190.00} NO TRANSACTION OCCURRED. NO SUPPORTING DOCUMENTATION OR RECORD FROM  XXXX   XXXX   XXXX . NO RECORD OF SHIPMENT OR INVOICE OF ANY PRODUCT OR SERVICE FROM  XXXX .      XXXX   XXXX   XXXX  IS ACTING IN AN INSUBORDINATE FASHION AND REFUSES TO RESEARCH THE ACCOUNT OR PROVIDE EVIDENCE OF ACCOUNT BALANCE.      XXXX  OWES A CREDIT OF {$110.00} FOR  XXXX   XXXX   XXXX    XXXX   XXXX   UPGRADE FROM  XXXX  FOR ACCOUNT IN QUESTION.      XXXX   XXXX  SUPERVISORS  XXXX  AND  XXXX  IN ADDITION TO REPRESENTATIVES  XXXX  AND  XXXX  WERE INSUBORDINATE IN RESEARCHING THE INQUIRY OVER THE PHONE ON  XXXX / XXXX / XXXX . ALL REPRESENTATIVES WERE  XXXX  OR  XXXX  DISCRIMINATING AGAINST A  XXXX  MALE.     REMOVE DEROGATORY ITEM IMMEDIATELY. FLAG AS FRAUDULENT.

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 2017-04-21
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from  XXXX  to Nationstar mortgage on  XXXX   XXXX  , 2017.   XXXX  says payments they receive from their former customers will be forwarded to Nationstar mortgage for 90 day s. Nationstar 's w eb site says that payments will only be forwarded for 60 days. Which is correct? Is this a way fo r Nationstar to i gnore customer payments sent from  XXXX ? Please clarify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XXXX of 2021, I XXXX XXXX, applied for two credit cards via Bank of Americas website. 
Reference number # XXXX XXXX Reference number # XXXX XXXX I received a letter in the mail stating I was denied based the Credit Reporting XXXX XXXX XXXX 



When I check on XXXX website I saw several fraudulent claims that are currently in the process of being removed. 

It is not fair that Bank of America was given my social security number then denied credit that I extended to them. Based on a consumer report that furnishes inaccurate information about 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 2017-04-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I requested a credit line on Wells Fargo, when the statements came the name of the account was wrong I assumed it was not my account and should not pay, I asked the bank to stop sending receipts that were not mine, after 6 months I saw my credit score and then I realized that the account was really mine, but the name was wrong. I paid in full after I saw it but my credit score is damaged now.

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 2017-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Delinquent account

Complaint:
Kohl 's Departme nt Stores co ntinually calls both my cell phone and my home phone to collect a debt that is not even mine. The debt belongs to my granddaughter and I have no idea where she is or how to contact her. I have asked them to stop calling me on  3 diff erent occasions. On the last call I spoke to a supervisor who said it would be taken care of. Yesterday I received yet another call from Kohl 's on my cell phone. If I do n't pick up, they hang up and call right back. Please make this stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, experian and XXXX will not allow me to dispute error on credit file and will not correct error on file. this is an acct that was paid in full on XX/XX/XXXX for car that was paid in full that i have pay off letter and title for car. also i have a complaint file number XXXX in which XXXX  XXXX XXXX states that correction will be made. i sent all info attached to credit reporting agencies and they still refuse to correct this error. the XXXX  XXXX XXXX acct number is Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$430.00} plus they continue to drop my credit score with no change on my credit report in retaliation to my dispute of this matter.

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 2017-04-11
Company: PENTAGON FEDERAL CREDIT UNION
State: MI
Product: Credit card
Issue: Balance transfer

Complaint:
I truly do not like filing this complaint against PenFed, overall they provide a great product and their representatives have always been respectful. However, their needs to be a policy change on how Balance transfers to Navy Federal Credit Union are handled. 
On XXXX/XXXX/2017 I took advantage of a promo to transfer balances at 0 % interest for 12 months. 
I transfered {$2700.00} to my Navy Federal credit Union account and provided all the correct information. However, the balance transfer was mailed to XXXX. Now XXXX separate reps. for Pended has informed me this is Penfed 's mistake and is will takes weeks or longer to receive the check back. 
My complaint : if Pended ; s recognizes this is their mistake, why are they not take responsibility. why is the {$2700.00} still on my account and deducted from my available credit. Why has n't PenFed simply stop payment? I am unable to reassure that balance transfer until the account is credited. 
Lastly, why are the balance being reported to the credit bureaus including the {$2700.00} balance transfer?

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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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/XXXX of this year I found out through my XXXX and TransUnionCredit Report that there is a closed XXXX  XXXX XXXX account listed as a charge off in my credit history. After multiple attempts to contact XXXX  XXXX XXXX with notarized affidavits, letters and calls it has yet to be removed from my credit profile. 
XXXX  XXXX XXXX has failed to contact me or provide any fraud packet or assistance since Ive started to dispute this card. Ive sent them countless documents proving that my identity was stolen but without even information of where and when somebody applied for it, theres little more than I can do. 
At one point they removed it for a period of 2 months and then for whatever reason put it back on my credit report. 
After further investigation I was able to obtain the account number because nobody in at the XXXX XXXX XXXX has been able to provide me with an application, address or any information other than the following : The credit card was charged off on XX/XX/2017 a balance of {$750.00} This is a fraudulent account, opened without my permission or authorization. I have not obtained any benefit from this credit card. 
FTC Report has been filed # 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 2022-04-30
Company: EQUIFAX, INC.
State: WI
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 repeadly disputed a XXXX XXXX Account with Equifax that is incorrectly reporting. XXXX continues to " verify '' the incorrect dates and Equifax will not use the supporting information I have provided to verify that there was a missed payment in XX/XX/XXXX. 

As verified by both XXXX and XXXX, the XXXX XXXX XXXX was reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Both of those reports will be attached. 

I will further include XXXX XXXX XXXX that list dates and payment amounts. The payments are numbered CLEARLY indicating that payment XXXX was made XX/XX/XXXX and the next payment, number XXXX, was made XXXX. 

Payment XXXX of XXXX made XX/XX/XXXX XXXX XXXX of XXXX made XX/XX/XXXX XXXX XXXX of XXXX made XXXX *note payment XXXX was on XX/XX/XXXX and payment XXXX was on XX/XX/XXXX ( clearly confirming a missed payment in XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 XXXX  ( amount : XXXX original approx amount XXXX ) reported a loan as an auto loan when it is not. They are reporting a repossession when there is no vehicle bought with this loan. The loan was for tires purchase for a financed vehicle through them. That means they are reporting two repossessions for the same exact vehicle.

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 2017-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX   XXXX / XXXX / XXXX  DOB   XXXX   SSN Report #  ( r eport enclosed ) Attention :  XXXX ,  XXXX ,   XXXX   I have recently acquired my Credit Report. After carefully reviewing its contents, I have found some inaccurate information that the credit report details.   Item Disputing :  XXXX   XXXX   ( REF  #  XXXX  ). This is not nor has ever been my account. This has caused me financial harm, please delete immediately.   Please investigate the accounts listed, under the provisions of the Fair Credit Reporting Act  ( FCRA ), 15 USC section 168li.  A period of 30 days shall be " reasonable time '' to investigate the accounts in question, unless you notify me immediately otherwise. Failure to verify the above information within the 30 day time period constitutes " non-verification '' and the accounts in question must be immediately removed from my credit file and credit report according to  15 USC section 1681i ( a ) Also, 15 USC sections 1681i ( d ) and 1681j o f the Fair Credit Reporting Act require that I receive written notification of the updates, an up-to-date credit report ( at no charge ), and that an up to date credit report be sent to anyone who received my credit report within the last six months.   If you have any questions regarding this matter, or, if you are having any difficulties completing this task, please contact me using the above information.     Please take note and govern yourself accordingly. Thank you for your cooperation.   Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Dear  Officer  I am filing a new complaint against   Bank of America.
Bank of America promised me by giving me a nu  mber to call (  XXXX  ) to have its higher management to look into my case. I called every day and left the voice box of this number numerous messages. However, the owner of this phone has never talked to me.   This action of Bank   of America is not professional at all. This action of Bank of American is cheating.
Please ask Bank of America to explain why they should cheat their customers.     Thank you!    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 2017-04-18
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started my application with CrossCountry Mortgage  XXXX  of  2016. I thoug ht I was working with Sales Manager  XXXX   XXXX  but I was instead passed off to other sales assistants that were not properly trained and did n't have answers. I was given incorrect information, ignored and disrespected to say the least. This would 've been my first home loan and I had lots of questions. When I was able to speak with the loan manager, she was rude, loud and unprofessional. Although I sent in everything I was suppose to, I was told that I threw them curve balls and that I should find another lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Sent a letter with my drivers license, social security card, and utility bill for verification of my correct address and requested removal of old addresses as they are inaccurate and there are ones I have never lived at. My response from them was a phone number deleted on  X/XX/XXXX   . My credit report has inaccurate information and I would like to get this resolved. It still has my ex wife as my spouse. We were divorced  XXXX . As well as phone numbers I never had. I included the report I got from Experian. Thank you for your 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
Consumer complaint received 2017-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Transunion needs to unlock my account. I have been trying to access my report on transunion.com and annualcreditreport.com and not successful at all. I have been a victim of identity theft and they refuse to assist me in my requests. They are doing a poor job of customer assistance and helping me with these situations.

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 2021-06-15
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not been notified of this collection, I have never received a message nor have they provided me with any proof that I owe them, this collection that appears in my credit report affects me directly since it damages my score and my credit history, I consider this a violation since they have not contacted me and only uploaded it to my report.

Company response to consumer: Closed with explanation