BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and associates says I owe {$1300.00} dollars to them but I do not owe them anything. They have been sending me letters an I dont know why. They say the account was opened on XXXX XXXX but I defer.

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 2017-01-17
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Late fee

Complaint:
I received a bill XX/XX/2017 from Citi Bank ATT Universal Card. I noted a late fee of {$24.00} on my statement. I never pay a bill late, and this is reflected on my credit reports. I asked what the charges of {$23.00} were for, and the charges from XXXX XXXX and XXXX XXXX XXXX are correct. I paid {$23.00} online through my XXXX account. I always pay online the day I get a bill. I called customer service, and the agent could not help. I asked to speak to a supervisor. I spoke to XXXX XXXX in XXXX at approximately XXXX XX/XX/XXXX in attempt to correct the error. I did not get the bill for {$23.00}, and Citi Bank has tarnished my credit report while collecting {$24.00}, which I paid today after a resolution could not be reached. I paid it because of my credit score - not because I owe it. My credit card number is XXXX XXXX XXXX XXXX. I have also written a letter to Citi at XXXX. XXXX XXXX in XXXX XXXX, XXXX XXXX. I suspect fraud and want to report it and want a refund in the amount of {$24.00} for the so-called " late fee. '' I have no incidents like this with any company, and my credit report goes back decades. Please help, as I 've lost {$24.00} that I do n't owe but paid due to my credit report. My phone number is XXXX, and my email is : XXXXXXXXXXXX I can send you a credit report if you like but will need to unlock my security freeze. 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 monetary relief
Consumer complaint received 2020-06-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX a transaction for {$240.00} from Tickets Jurassic park through XXXX and a transaction of {$38.00} through XXXX ( insurance for tickets ) was posted to my account. Both of these transactions were authorized and legitimate. The event was since cancelled due to Covid -19 and XXXX XXXX stated that the funds would be credited to my account within 30 days, and they never were. On XX/XX/XXXX I called Citizens Bank to file a dispute for these transactions and on XX/XX/XXXX i was issued a provisional credit of {$280.00}. 

On XX/XX/XXXX I received a letter in the mail stating that i never completed additional paperwork needed and that my provisional credit would be reversed on XX/XX/XXXX. I contacted the call center XXXX on XX/XX/XXXX to inform them that i never received any additional paperwork and if they could please send again i would be happy to complete and forward. I have still not received this paperwork. They stated that i should be receiving a call from their Electronic Banking Department, but I never did. On XX/XX/XXXX after the provisional credit was reversed i called their XXXX again and requested the additional paperwork and was told that i would receive a phone call from their Electronic Banking Department within 24 hours and to look for a XXXX phone # to call. I have yet to receive a phone call. 

As of XX/XX/XXXX, i have not received a phone call from Citizens Bank 's Electronic Banking Department, i have not received any additional paperwork and my provisional credit has been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Exeter Finance Corp.
State: PA
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:
This company furnished my auto, which that auto was totaled and this loan was paid by the insurance company. This company has inflated fees and cost, I have asked the company several times to provide me with original contract, with my signature and consent, and a breakdown of payments and what the insurance company paid them, and they keep responding to my dispute as verified as accurate. Ive asked them to also provide me with how they verified the information, Ive received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: MarkOne Holdings, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was being stalked by the finance Mgr., I would not agree to go out, so he made my life a living XXXX! I returned my car because it was a lemon. 
It has been close to 8 years, and mark one is still reporting every month as if i have a recent repo? it was n't a repo, it was a voluntary surrender. 
MARK ONE is a big RIP OFF!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 accordance with the Fair Credit Reporting Act, XXXX  account # XXXX is violating my rights. 

15 U.S.C 1681 Section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 also states that a consumer reporting agency can not furnish an 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 2021-12-15
Company: EQUIFAX, INC.
State: NE
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 placed placed a security freeze on my Equifax credit report on XXXX ending on XXXX. " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' Although a credit freeze had been placed on my account : XXXX inquiries are listed on my Equifax credit file that I did not authorize. They are listed below 1. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NE XXXX. 

Equifax is in clear violation of FCRA 604, under permissible purposes of credit files. They are legally obligated to furnish permissible proof of the authorization of creditors to view consumer 's credit file, when consumer requests such documentation. I have requested this information XXXX times. 
Equifax Information Services LLC is in direct violation of FCRA law by not deleting these inquiries from my credit profile. 

Please see the following documents that I have attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I was at XXXX XXXX  today XX/XX/20 and they ran my credit to see if I could finance some phones but I was told that I was denied because there were several accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I got a copy of my credit report and I saw about ten accounts with negative payment history that don't even belong to me. I did not open any of these accounts nor did I allow anyone to open them in my name. I am not affiliated to any of the companies I listed on this report nor did I gain anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I'm not sure who is responsible for these accounts but I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY 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 2017-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was laid off in XX/XX/XXXX from Bank of America where I have my mortgage loan. In XX/XX/XXXX I was hired at another company but my income was decreased. I applied for home loan assistance with Bank of America and was declined. In XX/XX/XXXX I applied again for home loan assistance because I was going through a divorce hardship. Bank of America refused to follow up with my loan application and prolonged the process for months. My counselor never contacted me in a timely manner to let me know what documents were needed to review my application. The only want I would know that something was missing from my application was to call her. The representatives never returned my calls in a timely manner. In XX/XX/XXXX, I finally received that a notice that my application was declined because there was no evidence of hardship. After speaking with a representative she advised me that I could appeal the process and another representative advised me that because I was divorced I did have a true hardship but that I would need to reapply. This conversation took place on Tuesday XX/XX/XXXX. The representative advised me that I would get a new application package overnighted to me the next. I still have not received this application. Bank of America has been the worst bank and they have not tried to assist me. I am fed up and would like help immediately. I feel that this is a UDAP issue because they have prolonged my application and because my loan was declined when I did show hardship.

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 2020-06-17
Company: EQUIFAX, INC.
State: CA
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:
Equifax won't remove personal statement. 
Opened up 2 prior complaint already, each time they say they update the information, but as of XX/XX/2020, the personal statement I want removed is still there. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: MI
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:
This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. In additional, I have sent letters to 3 bureaus however I haven't receive any response from them. I am questioning the capabilities of the bureaus on their investigation. Please do something on this! 
XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The IRS filed a lien on our credit on XXXX XXXX, 2014. The lien was subsequently withdrawn XXXX XXXX, 2014. The Credit Bureaus did not report the with drawl and has caused our once good rating to suffer for over two years. How can the credit agencies be so quick to pick up the negative reports, but fail to report a positive. Also we see that the credit bureaus reported bankruptcy verbiage on our report. We have never filed bankcruptcy. I request these XXXX issues be corrected immediately,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved both by XXXX ( owner of my loan ) and my servicer Ocwen for a loan modification on XX/XX/2016 ( Attached ) trial that went from XX/XX/2016 to XX/XX/2016. I made all of my required trial payments on time. Then in XXXX Ocwen stated they made an error on the first trial and issued me a revised trial dated XX/XX/2016 that went from XX/XX/2016 to XX/XX/2016. I made all of these trial payments on time. Then in XXXX Ocwen stated they could not issue the final modification documents until they cancelled out my first trial that was issued in error. So I kept paying my trial payments for the months XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. This last week my attorney who I hired to help me with this process advised me that Ocwen now states that they have cancelled both trials. My attorney states Ocwen makes mistakes like this all the time and what we believe happened is that they were only supposed to cancel out the first trial and they ended up cancelling both trials. I have now been paying trial payments since XX/XX/2016. Ocwen has messed up my modification process now two times and I am now back in foreclosure without any explanation from Ocwen except that they are working on it. My attorney has been calling them every month since XXXX and if we did not file this complaint Ocwen would just ignore their mistake until my house foreclosed. According to my attorney Ocwen can not put me into a trial unless I am already fully approved. Obviously Ocwen is violating the guidelines and they are also argumentative with my attorney every time they call. XXXX is even stepping in advising Ocwen to offer the modification. According to XXXX the modification has been approved since XX/XX/2016 and they have no idea what Ocwen is doing all this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYFILED XXXX XXXX {$18000.00} XXXX XXXX {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an interest only loan plus I have an escrow account. The loan is being serviced by Ocwen Loan Servicing. The interest plus escrow is approximately {$980.00} per month per the loan modification completed in XXXX XXXX. I received my statement for the payment due XXXX/XXXX/XXXX and there is an additional fee of {$1400.00} due. It is listed as Fees/Other Charges on the mortgage statement with no additional explanation. No letter explaining what this additional fee is for. I contacted customer service and was on hold for a lengthy time while she researched the issue. She finally connected me to the Escalation Dept where the Manager placed me on hold so he could contact the Cashiering Dept. When he came back he told me he needed to research the issue and call me back. He called me back the same day to tell me Ocwen was calculating the interest incorrectly and that I owed Ocwen {$1400.00} due to Ocwen 's error and as a courtesy they could add this amount due to my loan balance. I requested additional information as I have an interest only loan and this interest error now impacts my XXXX taxes. I requested a full accounting of when this error began, how they calculated the interest and what the interest should have been. I have not received any of this info. All I have been told is that I owe this money that is due to Ocwen 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
This company ran my credit 7 times. This was only supposed to be a soft pull. Then they denied application saying they couldnt verify me although they obtained my score. They are violating the Equal Credit Opportunity Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019 I submitted a letter as formal complaint that Transuion is reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : XXXX XXXX XXXX Collection Amount : {$1300.00} Original creditor name : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

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 2019-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I ask that a human review my file. The credit bureau is reporting incorrect information. In the system you are showing that I financed a vehicle from XXXX XXXX for {$17000.00}. This information is incorrect. The total amount including the vehicle and finances charges is {$32000.00}. The original company reporting this XXXX XXXX is breaking the law. The credit bureau was notified in XXXX that the data in this file was not accurate. 

XXXX XXXX in an effort to keep me from refinancing with another lender has been reporting payments made but the balance has not gone down only up. Also, this vehicle was taken in and sold in a bankruptcy in XXXX of XXXX. The balance the company is showing is not correct. Attached is a copy of the original contract showing the correct amount.

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 2022-07-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the following accounts with credit bureaus as I have no knowledge of them and they do not belong to me, but the accounts are still reporting : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX Bank account XXXX XXXX. XXXX XXXX XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XX/XX/XXXX. Collection XXXX reports twice a month, and they refuse to remove the paid collection! This is unacceptable and violates FCRA laws! I reported these discrepancy XX/XX/XXXX. EQUIFAX continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report XX/XX/XXXX and having my credit scores raised for the months of XXXX and XX/XX/XXXX. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XX/XX/XXXX with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XX/XX/XXXX and EQUIFAX wo n't remove it off my credit profile so my credit scores will be raised higher for both the months of XXXX and XX/XX/XXXX. Moving forward I have substantial documentation for each creditor to validate my claim to no lates on auto loan and the XXXX XXXX library fines are paid in full at the beginning of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a past due of 120 days for child support and there should not be. I have a typed and stamped XXXX Child Support that I am completely caught up and paid in full. I would like to have this removed from my credit report because it is blocking me from getting a mortgage approval.

Company response to consumer: Closed with explanation