BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The cares act has been in continuous effect since XX/XX/XXXX. 

XXXX ... servicer of my govt studend loans has twice ( x5 loans =10 neg reports ) reported negative pay status of 120 days. 
Federal student loan payments are scheduled to restart beginning in 60 days.. President Joe Biden extended temporary student loan relief through XX/XX/XXXX, which was his third extension. this makes a total of five ... more imoptantly... 

why do i have the the servicer of federal loans reporting negative status during this timeframe? 
i have disputed this twice now... i still have negative reports. 

the cares act has been in continuous effect since XX/XX/XXXX and currently runs through XX/XX/XXXX ... No negative status reporting during student loan relief... XXXX is wrong to do so...... TWICE... why is this so hard to understand? Why are they ruining my credit? 

XXXX XXXXXXXX XXXX XXXX ( service connected ). last gainful employment XX/XX/XXXX. 
Unemployability- fully developed claim SUBMITTED XXXX and wrongfully denied XXXX, XXXX claim error presented to Veterans law judge- currently under review

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 2022-10-03
Company: EQUIFAX, INC.
State: AZ
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 been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an account in my name with Bank of America. I sat on hold for 2 hrs waiting to talk to someone to close it. 3 hrs after they did, another checking account got opened in my name AGAIN, also with BoA.

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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hello just the other day TransUnion took XXXX dollars out my account and I need my account took off of TransUnion because I did not sign up to spend XXXX dollars a month on something I do not use

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 2020-04-20
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've sent emails to Nelnet, my student loan server, on several occasions with no response. I waited the alloted 5 business days and they still have not completed my request. My student loan payment was due on XX/XX/2020 and I paid the full amount on XX/XX/2020. On XX/XX/2020 I received an email from Nelnet advising me of the Forbearance due to the COVID-19 pandemic. I read through the FAQ 's regarding the Forbeance, which stated this went into affect XX/XX/2020, and if we already have made our payment, we can request it be refunded without penalty. I emailed Nelnet on XX/XX/2020, provided my account information and requested a refund. By XX/XX/2020, I still had not recieved a response so I sent a second email. It is now XX/XX/2020 and I have still not received a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
This is the 4th time in the past year that someone has attempted to open an AMAZON.COM Visa Signature Card in my name with my old address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Each time I get a letter from Chase back with their letterhead. I contacted Chase and they said without a credit card or account they can not help me. I also contacted Amazon and they said they do not handle credit cards. Each time the letter says that they need more information to process the card. Since it has happened 4 times, I am very worried. The most recent Chase letter has the reference number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/22 my friend was sending me money through paypal friends and family. He had owed me money because last year I paid his rent when he XXXX XXXX and couldn't work. He sent me total of {$6000.00} and the next day paypal put a permanent limit on my account and now I cant transfer the money, I cant use the money, I cant send or receive any more money. I submitted ALL the necessary docs possible such as DL, social, birth certificate, passport and even multiple bank statements and they are STILL holding my funds!!! This is negatively effecting my ability to pay bills and support my family and they are constantly giving me the run around. I do everything they ask yet they continue to tell me " 24 hours '' " 72 hours '' blah blah blah

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: SC
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:
There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-03-19
Company: Movement Mortgage LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, I submitted and was pre-approved for a loan with Movement Mortgage , LLC XXXX ID # XXXX I have not received a federal form Loan Estimate. 

On XX/XX/2022, the following email series was recorded : Applicant : Is my application submitted? I haven't seen an official Loan Estimate on the federal form yet and more than 3 days have passed since I submitted documents. 

Am I missing something? 

https : //www.consumerfinance.gov/ask-cfpb/what-is-a-loan-estimate-en-1995/ # : ~ : text=A % 20Loan % 20Estimate % 20is % 20a, that % 20took % 20effect % 20on % 20Oct.

Loan Officer :
No sir - I dont submit your application until youve confirmed youre going with us. Its extra work for my disclosure team and processing team. 

Applicant : You received my application but neither denied the application nor provided me a loan estimate? 

I won't confirm I'm going with ANY lender without the loan estimate. I thought that's what the loan estimate was for. 

Loan Officer : Thats what I have provided. Let me know if you have any questions. If youd like move forward with Movement let me know and I will send over a lock in agreement and formal disclosures. 

Applicant : I will not move forward without the federal form loan estimate. 

End of email series What was actually provided was an lender internal document titled " APPROXIMATE LOAN COST ILLUSTRATION '' that did not comply with the form described at https : //www.consumerfinance.gov/ask-cfpb/what-is-a-loan-estimate-en-1995/ See attachments ( personal information redacted )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello : I have contacted XXXX  Credit bureau regarding Identity theft in my account and have subsequently asked to remove all accounts that were not mine as well and any and all address that did not belong to me and provided them with a policy report and my current IDs to support my request. It took several letters to get some of the information removed but they have yet to update 1 account and have not removed the various variations of my name and various incorrect addresses that do not belong to me but that show up on my credit file. I have expressed to them that all this confusing information is probably what exposed my account to the risks of Identity theft to begin with. To date, i am still exchanging letters with them on the matter and they are still not budging. Can you help me ot get their attention to this very critical matter which is severely affecting me at this time? Can you help me remove all names and addresses that do not belong to me and this acct XXXX XXXX that they keep " updating ' with the same information which i dont know where they are getting it from since its in another country altogether? I have even been told that I have an email associated to my account that has nothing to do with me, probably residuals from the fraud which happened.

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 2016-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My BOA debit card was lost/stolen. When I realized I called BOA who froze the card and issued a new XXXX. The thief was using it around town. I disputed the charges but today BOA said no fraud occurred and I am liable for the charges. I am upset that the card I had was able to be used with out a PIN and that they do not believe me that the card as stolen.

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 2016-11-28
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a workmans comp the XXXX was due to a XXXX ... a result of a XXXX. XXXX # XXXX .... ( XXXX ) authorization # XXXX ... .an investigation with the FTC will step in if the matter is not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: Makower Abbate Guerra Wegner Vollmer PLLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter dated XX/XX/XXXX from Makower Abbate Guerra Wegner Vollmer PLLC stating I owe {$3600.00}. This is an ongoing matter I have been disputing with them since XXXX of last year. However, the last invoice they'd sent in XXXX of XXXX stated I owed a little more than {$1500.00}. I have been making my XXXX  payments on a regular basis and there is no way my debt could have doubled. Firstly, this is not a legit debt amount ; secondly, they have not followed the bylaws of my condo association regarding notification of violations ( Article VI of the bylaws, regarding Restrictions. Section ( c ) ( i ), ) ; thirdly, they threatened to take legal action if I did not pay the full amount of {$3600.00} by XX/XX/XXXX. 
I have paid ALL my XXXX fees since I moved into my unit last XXXX. They have taken the position I can not split my monthly payments in half and pay twice a month. This is a matter that is under dispute and considering I am disputing, they are obligated to cease further action until the matter is resolved. They have not done so. 

I have a copy of the bylaws of my association, but the file is too large to send. I can provide it to you by another means, if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act U.S.C. 1681 & Fair Debt Practices Act 15 U.S.C. 1692 XXXX  account # XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 States : That a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hard inquiry not authorize or signed THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/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 2020-03-11
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got a vehicle in XXXX of XXXX. The vehicle had a lot of problems from XXXX XXXX in XXXX XXXX TN and they refused to fix the issues. So we had to do a voluntary repo in XXXX of XXXX. Now I'm getting calls from Credit Acceptance wanting payment. They are threatening legal action and wanting me to pay an unfair payment for it to be paid off.

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 2016-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owe a judgement the debt collector liquidated my IRA account in order to collect the debt I owe I notified the financial establishment but they informed me that the debt collector had an order from a judge? I informed them that in AZ it was against the law for debt collectors to collect a debt from an IRA account. 
I had an attorney write the financial establishment NOT to give the $ to the debt collectors .I have lost $ XXXX in financial gain from the stock market and did not have access to MY money for over 90days. 
So far it has cost my {$1000.00} in lawyer fees plus all the time I spent with lawyers who said that could help me and ended up them wanting thousands of dollars to fight or file a lawsuit The debt collector did not inform the judge that the account was an IRA account and falsified the writ of garnishment.

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 2015-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
In 2014 I reported to Bank of America that I had lost my job and sources of income hence encounter financial hardship and could not meet my minimum payments and needed to enroll in their financial hardship program/card protection. I was told by the agent at the time that because I did not have a job i could not enroll in the hardship program and they would be reporting the negative information to the credit bureaus. I then told them that due to my circumstances it would be impossible for me to continue making payments without some sort of arrangement to no avail. Once I began working again I contacted Bank of America again and informed them that I had found another job and was ready to begin making payments and that I wanted to set up a payment arrangement and enroll in their hardship program so that I could pay them and take care of the other bills I had fallen behind on. I was informed that I had the options for payments : 1. ) I could pay {$260.00} for 2 months. 2 ) I could make a payment of {$180.00} for 3 months. Or 3. ) I could make a payment of {$150.00} for 4 months. While the payments were steep I agreed to commit to the 4 month plan to get my life back on track. Then after a string of invasive questions the customer service agent informed me that not only was I not eligible to complete the agreement for the 4 month plan but that the hardship program was not an option for me either after I was initially informed that these options were not available due to my unemployment status. Thus if I did not have the options for a hardship program or particular payment arraignments when I was unemployed or when i became employed then that means the options were never available to me at all. At the beginning of my credit relationship with Bank of America I was falsley led to believe that in the event of job loss and financial hardship that alternative payment options were available to me but under all circumstances this proved to be untrue. Hence I was coerced into a credit agreement with bank of america via misrepresentation of products and services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: SC
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:
There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX was not deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation