BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 informed the three credit reporting agencies ( XXXX, TRANS UNION, AND XXXX ) of the fact that I am a victim of fraud and/ or identity theft. I have sent the three credit reporting agencies my FTC identity theft report along with the appropriate proof of identity, the identification of the information on my consumer credit file resulting from identity theft, and a statement that the information is not information relating to any transaction by me. I have also demanded that they block the information on my consumer credit file no later than four business days, pursuant to 15 USC 1681c-2. Its Been 11 business days since their receipt of my documents listed above and the information still remains on my consumer credit file. 

I am aware of the credit reporting agencies right to decline a request a block, and or rescind any blocked information relating to the consumer if the consumer reporting agency reasonably determines that 1. the information was blocked an error or a block was requested by the consumer in error, 2. the information was blocked or a block was requested by the consumer on the basis of a material misrepresentation of the facts by the consumer relevant to the request to block or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

i have affirmed via an affidavit that there is no material misrepresentation of the facts being made by me, the consumer. if the three credit reporting agencies believe I obtained possession of goods and or services I need a senior executive member of the company to respond with proof via an affidavit signed under the penalty of perjury.

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 2020-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/2020, I called Capital One about an account that show charge off on my credit card report. I waited two hours to talk to a representative in the recovery collection department. I explained to the representative that I notice there was a balance and the account have been charged off. Ask if I paid the account in full, that the negative account hit be removed. The representative said no. I asked why there was no past due notice and/or collection notice sent to my address. The representative, name XXXX # ID XXXX stated all correspondences on the account were sent via email and on and on about why would we mail correspondences on the account if I chose email on my account as method of communication. The representative keep on about how is it Capital One 's fault if I did not received it since my method of communication is email. Before I could explain to the representative that my email was hacked and I have not been able to received any emails for quite a long time, the call got silent like the representative might have muted the call. I stay on the line to see if the representative would realize that the phone was on mute and he's not hearing me, the call got disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Dear XXXX, XXXX, and Experian. Please remove the following fraudulent inquiries from my consumer credit file. You are in violation of 15 US Code 1681. Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX, XXXX XXXX, please remove the following fraudulent account from XXXX XXXX  from my credit profile as well. XXXX XXXX Account Number : XXXX This is account is not mine. Please remove it immediately. Please remove all fraudulent student loans from both my Experian and XXXX profiles.

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 2022-02-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Dear Equifax, XXXX, and XXXX. Please remove the following fraudulent inquiries from my consumer credit file. You are in violation of 15 US Code 1681. Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX, please remove the following fraudulent account from XXXX XXXX  from my credit profile as well. XXXX XXXX Account Number : XXXX This is account is not mine. Please remove it immediately. Please remove all fraudulent student loans from both my XXXX and XXXX profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: Financial Business and Consumer Solutions.
State: ME
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 was contacted by a company calling themselves FBCS Inc. They made claims that I owe {$1200.00} on an account from XXXX XXXX XXXX. They also stated that it was a XXXX Credit card. I have never had a XXXX XXXX. They asked for my social security number and information that I did not want to give out. They where forceful and rude. I told them it was n't my card, and that nothing like that has ever been on my Credit history, which I check frequently. They said they would send paper work out to my address so that I could claim it as fraud. The paper work is asking for my social security number and all confidential information that I do not want to share. They could not verify any purchases made with the credit card. I did some research and found that XXXX also financed XXXX and XXXX XXXX credit cards, but again I have never had either of those cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Disregard the above paragraph, none of your choices fit. We sold our home on XXXX/XXXX/2016, and BMO was paid off by the closing agency. 
the problem is we have not received our escrow balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Payoff process

Complaint:
On XXXX XXXX, XXXX, I made arrangements with the 53rd Bank # XXXX, XXXX, XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all XXXX of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. My credit bureau disputes are being ignored and my consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Financial is not reporting my account with 100 % payment history to XXXX which is causing my credit score to be lower on that report. Please report account number XXXX to my XXXX 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 non-monetary relief
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CT
Product: Credit card
Issue: Other

Complaint:
I write you as I believe I have been the victim of a consumer fraud across state lines which warrants a a certain level of investigation. What at first glance may appear to be a minor commercial dispute actually raises some very serious issues concerning consumer credit laws as well as IRS tax exempt status of the parties involved. 

XX/XX/XXXX I was illegally charged a {$200.00} membership fee on my Diners Club card ( XXXX ) by the XXXX XXXX XXXX through its proxy service agreement with XXXX. The XXXX XXXX XXXX claimed that I had authorized an automatic annual renewal of my membership for over {$200.00} per year. I never authorized the XXXX XXXX XXXX to automatically renew my membership nor did I authorize XXXX to automatically renew my membership. Furthermore, I never authorized the XXXX XXXX XXXX nor XXXX to hold and maintain my credit card information. Thus their actions were illegal. 

When protested and demanded that the XXXX XXXX XXXX reverse my credit card charges they refused to do so. It is my contention that the XXXX XXXX XXXX as an IRS sanctioned tax exempt organization crosses the line when exhibiting this behavior and should lose its tax exempt status. It also my contention that XXXX has built its entire business aiding and abetting this nefarious behavior by the XXXX XXXX XXXX and the other tax exempts that are its client base. XXXX should be ordered to cease and desist from these business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Absolutely atrocious customer support for nearly TWO weeks that completely failed to resolve a transaction dispute with full proof and uploaded claim info. 

Bank of America continously closed my claim with generic responses. Yet, literally every person I talked to agreed it was a very easy closed cased, offered their sympathies, and made notes on my claim to ensure it was " properly handled ''. 

Either this is fixed and my claim is handled properly or I promptly shut down every one of my accounts. 

If I walk into a store and buy X and they hand / ship my Y that's entitled to a refund. Similarly, if I pay for something and the provided service by the company is extremely unprofessional and sexual harrasment that does as well. 

Your handling of this has been absolutely disgusting.

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 2022-02-22
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: Account information incorrect

Complaint:
XXXX XXXX XXXXXXXX, XXXX, EQUIFAX. Are all reporting the XXXX XXXX account inaccurately. I have made several attempts to adress this issue. Attached, find original creditors own payment history. The balance on XX/XX/2022 is XXXX. The account has to be removed as it is reporting inaccurate information on all three bureaus please remove account based on the XXXX balance reported by the furnisher. After doing so please forward me a copy of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Other

Complaint:
In XXXX 2016, I opened a checking account with Fifth Third bank. Once the account was setup, I used the mobile deposit app on my smartphone to deposit XXXX money orders. A few days later, I lost online access and I received a letter in the mail stating that the Money Orders were fraudulent. 

I was able to deposit the same money orders with XXXX XXXX XXXX. 

Earlier this month, I applied for a Fifth Third Credit card and was approved. I wanted to have online access to the account so I can manage the account and pay online. Security & Fraud department of Fifth Third Bank would not allow me to have access online because my account is locked because of the issue above with the Money Orders. 

I was told to contact my local branch and they might be able to request an over ride with the Fraud Department. Local bank requested they need to contact XXXX XXXX to verify the Money Orders are valid. XXXX XXXX said Fifth Third Bank needs to make a conference call with me on the line. 

I have not heard from Fifth Third Bank regarding the conference call with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have been working with Freedom Mortgage company for 5 months to assume a VA loan. Freedom Mortgage has repeatedly requested documents that we sent, then resent per request and received by them months ago. We believe that this is Elder Abuse because of the our ages, XXXX and XXXX. Our lives have been put on hold because of this situation. Daily we have to check the emails, we have written letters and made numerous phone calls to XXXX different loan agents who were identified as handling this loan. We are unable to complete this purchase and have made XXXX extensions of the escrow to date. There is nothing more we can produce that they do n't already have, They sent a conditional loan approval 3 months ago and we have also signed a Borrower 's Authorization. Yesterday we got another letter requesting copies of more documents that we sent to them XXXX XXXX. How can we proceed to resolve all of this abuse? 
.

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 2022-07-20
Company: Makower Abbate Guerra Wegner Vollmer PLLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MAGWV sent correspondence dated XX/XX/22 in which they refuse two payments of homeowners association assessments in the amount of {$440.00}. This is the regular amount of monthly assessments and the memo field of both checks indicates what they are for. They have inflated the debt by misapplying or allowing to remain unapplied payments made toward HOA assessments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: LEXISNEXIS
State: GA
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:
Lexis Nexis is showing up on all my credit reports two bankruptcy, so i get in touch with them asking to verify these inform, they respond they got it from the Georgia Federal Bankruptcy Court- XXXX.So i send this information to the court they respond back to me with a letter saying that the Clerk 's Office does not provide information to credit reporting agencies. 
So i send them a dispute letter requesting for the bankruptcies to be removed from my report, it's been over 30 days and no respond back from them, i have all my letters that i send to them as my prove. 
Can i get some help here it's damaging my report from me having a good credit. 

Thanks XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage became the servicer for my home loan on XXXX XXXX. I made the XXXX payment to my old servicer, XXXX. Freedom Mortgage incorrectly calculated my mortgage payment. They had it at a higher amount. I made my XXXX payment to Freedom. They claimed the XXXX payment was not enough, so they applied no funds to the loan. They obtained the payment made to XXXX. They now had XXXX payments, which they calculated to cover XXXX, because they miscalculated my mortgage. This meant I had XXXX payment made, over 2 months, with a pending positive balance, but not enough to cover the incorrectly calculated mortgage amount. After receiving a stack of paperwork from Freedom saying I would be charged late fees and my credit adversely reported, I called Freedom and they acknowledged my account was current. I received stacks of collection mail in XXXX and XXXX. I called again in XXXX. They confirmed the error was on their end. They were going to put in a " work order '' to correct their accounting error. Stacks of collection mail, notices, threats, late payment charges, and negative credit reporting in XXXX and XXXX. My credit has dropped as a result from over XXXX to the high XXXX. I called again in XXXX. Was supposed to receive a call back from a manager the next day. No call. I am now going to send them a demand letter including a demand for payment for my time in having to deal with this issue, at my billable hourly rate, and the defamation of my credit. I intend to seek attorney fees and expenses associated with their error and fraudulent misrepresentations in stating that my credit would not be negatively reported and that I would not be charged late fees for their error.

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 2022-02-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is trying to collect a debt from me even though they do not have a contract to do so. I have asked them to show me the contract and they refuse to produce it. How can I know the terms of the debt repayment as far as fees, interests, and various costs go if I do not have a copy of the original agreement? Producing monthly billing statements is not enough and establishes that they do not have a contract and that one may exist, but they for sure do not have it in their possession. I want this harassment to stop. I am a XXXX citizen and this is causing me a lot of anxiety. I do not know why I am spending so much time trying to fix the mistakes of this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a small credit card account with 5th third bank that I rarely used and had a XXXX balance on. At some point they charged me an inactivity fee but NEVER sent me a statement via Email ( how my account was set up or us mail ) Causing me to go 30 days delinquent I caught this because I got turned down for credit and I got a copy of my credit report. 
I called 5th 3rd and sure enough they told me abut the issue. I Arged with them and they reversed all fees Late and inactive and closed the account for me. I asked if I was goinng to still be considered 30 days late ... They said no so I waited and ordered another credit report to find they still had me reported as 30 days late. I disputed the report and they responded that the reporting was accurate. I am attaching a statement to show they reversed the fees. I want my credit report restored to a never late on this account and I think 5/3rd should pay me {$200.00} for my time and inconvenience in fixing this

Company response to consumer: Closed with non-monetary relief