BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: TX
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:
It is completely unacceptable that after continuous disputes sent on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and opportunities I've given to Equifax XXXX XXXX XXXX XXXX  XXXX continue to report inaccurate and unverifiable information to my credit reports. I feel completely violated of my rights and they aren't following proper procedures by deleting errors from my reports. 

The credit bureaus continue to report the following items below in total error and refuse to remove them as a result of their claimed investigation that they clearly didn't do.. I have sent multiple letters since middle of XX/XX/XXXX, each month and they continue to report false negative items on my report. There are inaccurate addresses and employer information listed on my reports. I provided them with full proof of address and proof of photo ID as they require Multiple inaccurate inquiries that I did not authorize EVER and were not applications I submitted for credit or loans. These errors of inquiries I did not make or authorize with XXXX XXXX XXXX XX/XX/XXXX - I didn't authorize this and its inaccuarate old info that needs to be removed from my report XXXX XXXX XXXX XX/XX/XXXX - I didn't authorize this and its inaccurate old info that needs to be removed from my report XXXX XX/XX/XXXX - I didn't authorize this and this information is inaccurate The other accounts they continue to report in total error that need to be deleted from my credit reports are XXXX XXXX Acct XXXX, AD XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX SVCS # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX I have not XXXX ANY verification of how these bureaus have verified that this information is accurate on these accounts with the original company that they claim furnished this info to them and clearly see errors in how they are being reported. There is no justification and this ridiculous. As a knowledgeable consumer, I think its terrible how they use all these stalling measures and act like I'm not who I say I am to avoid having to be held accountable to removing these errors ASAP from my reports. This is affecting my life unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
I had a credit card account with bank of america, with account number ending in XXXX. Please see attached documents for full details. In XXXX of 2021, I noticed some unauthorized charges in my account that were very unsual. These charges ranged from $ XXXX {$500.00} in small retail spaces like XXXX XXXX or XXXX XXXX I contacted BoA and they give me a statement credit of {$2900.00} on the XXXX, 2021 statement. This brought my credit balance to a negative amount, which means I was owed money, and BoA closed my credit card, to stop any fraudulent activity. I continued to notice fraudulent charges on my next month statement, of XXXX, and I continued to work with BoA to resolve these and they did. 

However, In my next month statement of XX/XX/2021, the re-reversed the disputed charges from the previous couple months, which they had supposedly resolved and closed my account. I wasn't given a proper explanation for why this happened, and to this day I have been forced by BoA to pay the charges that along with interest charges that have absolutely ruined me financially. Currently I still have an outstanding balance of {$850.00}, but I am very devastated as I had though BoA resolved my fraud charges, and they betrayed my trust and put them back on. 

I am attaching supporting statements to provide some detail, beginning with XXXX of 2021.

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 2022-09-13
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:
Hello, I don't know who is reading this I would like to make you aware that your company is in complete violation of the FAIR CREDIT REPORTING ACT. These Federal laws were created so that there is a guide to abide by. I am disappointed that your company is not following proper protocol when it applied to The AUTO-MATED REINVESTIGATION SYSTEM. 15 USC 1681i ( a ) ( 5 ) ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of an investigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. Why is it that There is another Credit Reporting agency that has removed an inaccurate item from my consumer report, but you are not upholding the same accuracy? This item has been investigated and the results have been shared with you, please remove these items immediately. Your Willful Compliance is a violation and is subject to a {$1000.00} payout for your negligence.

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 2018-06-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
We purchased an XXXX laptop on XXXX using our Chase Bank XXXX XXXX on XX/XX/XXXX It felt a bit flimsy with a plastic chassis underneath, but worked quite well UNTIL just before XXXX XXXX. She turned it on one evening to find rows of vertical black lines running down the left side of the screen. Because we were abroad ( XXXX ) without internet at her mom 's house, I was neither able to access my XXXX XXXX account to find out exactly when we had received the computer nor access XXXX 's website to see if we could somehow contact tech support while in XXXX XXXX. I thought we were well within the 1-year warranty period, so I decided to contact XXXX as soon as we got home on XX/XX/XXXX. 

When I checked my XXXX orders I found, sure enough, that I had purchased the laptop in XX/XX/XXXX and it was delivered XX/XX/XXXX. Just my luck, only 20 days out of warranty, I hoped XXXX would be customer-friendly and stand behind their product even though I was unable to contact them within the warranty period due to extenuating circumstances. 

I called XXXX first thing Monday morning ( XX/XX/XXXX ) and pleaded for compassion from the customer service rep ( XXXX ). He sounded somewhat sympathetic, telling me that he asked his supervisor for an exception to policy which was denied. He told me that I would have to pay {$220.00} to have the cheap screen of a {$350.00} computer repaired, a screen that had failed well within the warranty period. I told him " thanks, but no thanks '' and that XXXX had lost a customer, a customer that could have been a lifetime XXXX user had they treated me with compassion and professionalism, standing behind their faulty product because it would have been the right thing to do. 

I filed a claim with Chase XXXX 's extended warranty program : CARD BENEFIT SERVICES XXXX. XXXX XXXX, XXXX, TN XXXX XXXX on XX/XX/XXXX, but it was originally denied. After threatening to contact Chase ( which I did - they referred me back to Card Benefit Services ) and file complaints with you and others, they finally agreed to pay the claim on XX/XX/XXXX in the amount of {$180.00}, but I had to call within 48 hours to arrange payment ( I have their approval letter and a recording of the phone conversation ). They were unable to refund the amount to my debit card due to internal errors, so they said they would send a check for {$180.00} within 10 days. 

When the check did not arrive in the allotted time, I sent them emails on XX/XX/XXXX and XX/XX/XXXX, asking them to pay the claim as they had promised to do or I would file the complaints. It is nearly 2 months after the claim was approved and I have not received the check and they have ignored my emails. The claim status is noted as " Paid '' on their website where I filed the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-19
Company: Santander Consumer USA Holdings Inc.
State: NE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
The company pulled my credit without my authorization. The inquiry is reflecting on my   XXXX   and  XXXX  Credit report. I have never done business with this bank before nor have I sought any of their products or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I got a car loan through XXXX XXXX in XXXX of XXXX. The car I had a loan for the transmission went bad within five months. I did a voluntary repossession on the vehicle in XX/XX/XXXX. I owed about {$3300.00} left on the loan. It shows on my credit report it was charged off in XX/XX/XXXX. However, XXXX XXXX has reported that I have 46 late payments and have charged me interest on the loan every monthly of {$79.00}. It states on my credit report that I now owe {$6200.00}. I have sent numerous of dispute letters every 6 months for last 3 years stating XXXX XXXX is reporting inaccurate information. The company then reports back to the credit bureaus that what they are reporting is true and correct. I then sent a demand letter to XXXX XXXX in XX/XX/XXXX, stating to correct the information they are reporting and please give me the correct amount I owe after the vehicle was fixed and then resold. The company has not yet responded. This is affecting me with trying to apply for a loan for a home, getting denied for a credit card through my credit union, etc. I need direction on what else can I do. Please help me.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Trans union reference civil liability 15 USC1692K

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 2017-06-09
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
XX/XX/XXXX - XXXX reported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with XXXX XXXX XXXX XXXX. <P/>XX/XX/XXXX XXXX reports FICO score dropped XXXX points same day as XXXX 30 day late report hit the bureau. <P/>XX/XX/XXXX XXXX Credit Limit decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX Discover XXXX XXXX XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have. <P/>Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof. <P/>Please help me. I do n't have money to go and hire a credit lawyer or anything like that. <P/>I have statements from XXXX showing that my account is in good standing and that it is paid off but they will not update my report. <P/>How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Allied Collection Services, Inc. (Nevada)
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Allied Collection Services, LLC has contacted me 4-5 times a day from various phone numbers and they will only allow the phone to ring once before disconnecting. Forcing me to call them back thinking it is a legitimate call. The one time I did speak to somebody from the company they told me I owed a debt regarding a payday loan that I do not recognize. When I stated as such I was told " I 'll take this as a direct refusal and when this shows up on your credit report feel free to give us a call back. '' to which the operator disconnected the call. I attempted to call back and nobody answered. On that same call I requested a Validation of Debt letter but never received one. The rep never confirmed my address or validated whether they would send one. They have posted the entry on my credit report now tw ice to the same credit report, showing as  XXXX  different entries. This action is highly illegal.

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 2017-06-13
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Non -receipt of payments-las t two m onths via usps.late fees applied.disputed fees.   payment received this month again, due date th e  XX/XX/XXXX  of m onth.mailed on the first from    XXXX   XXXX   to   XXXX  , TX.Have not rec eived draft from    XXXX   XXXX   XXXX   . today is the   XX/XX/XXXX .no contact to a lert me.    Caliber Home Loans   XXXX  TX tel.  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: TX
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:
On several occasions I have made the Credit Reporting Agencies aware that they were reporting information inaccurately and each time I receive that the account has been verified but the date of last activity on the account remains the same. If they are in fact verifying this information is correct and reporting accurately, please provide me with the method of verification to include, date, with whom you spoke and what information was sent to verify this account. Also these accounts have been re-aged so that they remain on my report longer than they should be. 

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 2017-06-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently in the modification process at this time. I have scheduled sale date for  XX/XX/XXXX -2017. Which a violation of CAILIFORNIA HOMEOWNER BILL OF RIGHTS. Ocwen is dual tracking my loan while in the modification process. A blatant violation of the law. Ocwen would then in a letter sent to me that the sale date is tenitive. I do n't see anything on the foreclosure notice that refers to it as being tenitive. By the way the foreclosure notice is void. The right to foreclose on my home is void. On  XX/XX/XXXX  2017 I received a completed BLOOMBERG AUDIT ON MY PROPERTY by a certified autitor. When I reviewed the 70 page audit with the certified auditor.I was very disturb and angry to what was revealed in BLOOOMBERG AUDIT. The audit showed that   XXXX   XXXX   is not the owner of my note.   XXXX   XXXX    SECURITIES IS THE OWNER OF MY NOTE. I have requested from Ocwen at least four different times who the owner of my notes. Each time in the letters Ocwen sent me which I have in my possession that   XXXX   XXXX   owned my note. I was lied to in writing. BIG LIE!   XXXX   XXXX   is the trustee not the owner. Also in the audit discovered to my earlier suspicions that FRAUD and ROBO SIGNING were found to have taken place. THE CHAIN OF TITLE have been broken. The DEED OF TRUST and the NOTE have been seperated. I have sent 70 pages of the certified BLOOMBERG AUDIT to CONSUMER FINANCIAL PROTECTION BUREAU for review. Stop trying to foreclose on my home illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: EOS Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Creditor is attaching a debt for  XXXX  University and I never attended  XXXX  University. I told him that this was not mine and that I am a victim of identity theft yet he continues to call and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX XXXX and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX  ( OriginalCreditor : 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$750.00} XXXX  XXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$600.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXXBankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: WELLS FARGO & COMPANY
State: IA
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:
MY WELLS FARGO AUTO LOAN ACCT XXXX .... WAS PAID OFF IN XXXX BUT IT'S REPORTING AS A CHARGED OFF ACCOUNT.

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 2022-09-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX closure date : XX/XX/XXXX balance update : XX/XX/XXXX. Past due balance listed : Date of last payment XX/XX/XXXX at {$17000.00}. 
Showing on my credit report as closed amount of {$2600.00}. I disputed on my credit reports and would like help removing as it is five years statute of limitations with a car loan. This is preventing me from getting future credit and negatively affecting my daily life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This involves account number  XXXX  SLS, the servicer, has repeatedly ignored my requests to remove  XXXX  late charges. I have asked SLS to change the due date from th e  XX/XX/XXXX of  each month FORWARD to the   XX/XX/XXXX of  each month to stop the confusion that has led to late payments. Those requests have been ignored. SLS services  XXXX  loans I have including the  XXXX  being discussed now. Several months ago, unsolicited, they offered to modify the other  XXXX  notes to interest only for an additiona l five yea rs. I expected they intended the offer will all  XXXX  notes. Again, my inquiries on this have been ignored.  <P/>  SLS  has refused to remove the late charges. The conduct of SLS is at best reprehensible if not criminal

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