BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: VA
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:
In XX/XX/2018 I entered bankruptcy due to a failed buisness. I had personal guarantees which caused me to file for personal bankruptcy. During this time I had a car loan with XXXX XXXX. I never missed a payment and have since payed the car in full. I met all obligations of the loan contract but Experian has a negative report against 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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I talked to a rep from Transunion and I had a freeze on my reports someone let XXXX  XXXX  seen my files. My credit was reduced by {$750.00}. And now Transunion can locate my files. A freeze is to protect me from idenity theft andTransunion is requesting identications and A billing statement XXXX  asked for same thing and no response .Mail could be lost. its been a month.

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 2019-02-05
Company: Mobiloans, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just received an email from Mobiloans who is the original creditor alleging that I took out a payday loan with them, I have never heard of this company and was a victim of identity theft, as I filed a police report in addition to a report with the FTC, I never authorized a loan with Mobiloans or this third party they sent this account to, furthermore I have not received any mail from them with a proper debt validation. I am very familiar with my rights and would appreciate if this debt is removed from all 3 credit reports as there is no signature showing that I in fact owe this alleged debt.

Company response to consumer: Untimely response
Consumer complaint received 2015-06-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit score dropped over XXXX points in less than a week due to what is show as a " Serious Delinquency. '' The payment was 9 days late due to a technical issue with online bill pay ( I was sent a physical check made out to XXXX whereas the funds should have been wired ). XXXX refunded the late fee due to the error and reviewed the check yet still the credit agencies deflated my score. The payment was for {$130.00}. It is currently listed as a 30-day serious delinquency

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is still listing an account that is past the 7 year reporting period in violation of the FCRA. XXXX XXXX XXXX account number XXXX. 
Attached is a copy of the item on my Experian credit report. Please note the STATUS DETAILS where it states that this account is scheduled to continue on record until XX/XX/2017.

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 2015-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On Thursday XXXX XXXX, 2015 I left my debit card at work. I left work and I was half way home when I realized this. I immediately called Bank of America via phone at got the card cancelled and the representative said I could go to any banking center and get a temporary ID. The next day, XXXX XXXX, 2015 I went to get my temporary card at the Bank of America on XXXX XXXX in XXXX Florida. I went there reluctantly because I have had a previous incident of discrimination from XXXX which I documented through Bank of America. I went inside to get my temporary card and waited. I just happen to get XXXX as my representative. When I expressed that I needed a temporary card she said ok flippantly. I gave her my Drivers License and Social Security Card per her request. My drivers license has my maiden name so I gave her my social security as another form of identification. She immediately looked at me with resistance and said I do n't think I can change this but let me see what my manager says. She did this without explanation. She went to go see with her manager not XXXX but XXXX. She came back and said she could not do it. I asked to speak with the manager as I had already had problems of discrimination with this representative before. This should be documented in her records and mine. She was discriminatory against me 60 days prior to this incident. The manager XXXX came over and immediately he appeared agitated. I proceeded to explain the situation and he said we ca n't do anything your license has to match. I advised I had my debit card replaced with a temporary card approximately XXXX times within the past year from over XXXX different Bank of America centers. He advised all of the other centers are doing it wrong. I then said I only have problems when I come to this particular center. Then XXXX said I ca n't believe you remember that. I said of course I do. I remember when people discriminate against me and I told her I would remember this incident of discrimination too. The manager interrupted her as she proceeded to speak and said " You do n't have to speak with her ''. He refused to give me access to my account by way of a temporary debit card and he treated me differently than he did the other customers that were XXXX. Additionally, when I called your offices they said that Banking Center Managers can make exceptions and they do for certain people. I suggest you check the recorded call. He told me that they can treat people differently and that was ok. I know this illegal and it is discrimination. Both XXXX and XXXX were discriminatory. Those are the events that took place on XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Student loans being reported by XXXX XXXX, Navient, XXXX XXXX XXXX and XXXX. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 

I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Reference # XXXX I contacted Home Depot credit card to discuss the reasoning for their decision. After being transferred to 3 different people I ended up talking to a supervisor named XXXX. My first question was about the credit score.  She could not tell me what score that they were using. Examples FICO  XXXX, Vantage 3.0, etc. The reason I was asking is because the number reflected was not even close to the actual numbers that I obtained from the credit bureau myself. In addition as we looked over my credit report there was conflicting information through out the report and she could not answer my specific questions. How can a company be following the FCRA if they cant even explain their own information to the consumer?

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 2022-03-18
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We live in Viginia try to apply for our COVID 19 missing payments, to modify the mortgage since XXXX. but the company asking as the same documents again and again, then finally they withdraw the application. we are afraid our home is at risk. the first amount was {$34000.00} but now it gets about {$40000.00} we tried to send the monthly payments {$1800.00} about four times but they keep returning the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
MY CURRENT WORK INFORMATION IS : METRO PCS XXXX My current phone number is : XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX OH XXXX I HAVE RESIDED HERE FOR 7 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS ALLL OTHER ADDRESSS ON MY REPORT ARE NOT MY PLACE OF RESIDENT PLEASE REOVE THE FLOWING : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX PT XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please send me notification that these items have been deleted, as well as updated. I hereby acknowledge that the above information is true and correct

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 2020-12-29
Company: SYNCHRONY FINANCIAL
State: PA
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:
Paypal credit. Synchrony bank closed my account in XX/XX/2020, I had disputed over XXXX  Dollars of unauthorized charges and they never responded nor removed them, and continue to charge interest on them, Ive called several times only to be put on hold and transferred to fraud team who never picked up and after 20-30 minutes kept hanging up or disconnecting call.

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 2022-03-18
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I XXXX XXXX have never had the correct birth year on my transunion report. I was born in XXXX and it has said that I was born in XXXX for most of my life until I noticed it. 2 months ago they said they would change it. Now when I just pulled up my credit report I find out that they just deleted it altogether. Ive tried calling mailing. The website wont let me in because it says I have invalid information. Just like every loan or credit card I have ever tried to apply for in my life. 
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 2019-02-05
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: Information belongs to someone else

Complaint:
I have contacted Transunion several times by phone in the past 6 months but whenever I call I am transferred to a vm. I am told that my file is being handled in a certain department because I am a victim of ID Theft. With that said, I never receive a call back and the fraudulent items remain on my credit. 

I had received an alert about two accounts from the same company that had been placed on my credit. I contacted the company and sent them a copy of my police report and they said they closed the account and could tell it was fraudulent. Transunion still reports the accounts on my credit as closed as well as two other accounts. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiry XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I filed a dispute with Experian disputing, XXXX XXXX XXXX XXXX, which is showing a past due balance of {$900.00} and I filed Chapter XXXX bankruptcy including credit first which means that it 's suppose to have a {$0.00} balance and report that it is included in chapter XXXX bankruptcy, another one is XXXX which is reporting twice for {$100.00} and once for {$440.00}, and also there is a chapter XXXX bankruptcy that is reporting incorrectly, such as date and case number and amount, when I asked them how they verified they stated that they used a 3rd party data mining company when they are suppose to speak with someone to verify the information themselves, and not use a 3rd party company. I sent letters asking how the other information on my credit report was verified they sent a letter stating that they have some new information and that it will take an additional 30 days, I thought that the credit bureaus had 30 days to investigate and if they are unable to resolve in the 30 day timeframe they are suppose to remove it from the credit report and not say they have an additional 30 because the have new information. If they have the new information why do they need an additional 30 days when they can go ahead and update my credit 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 2017-02-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Requested fraud alert be removed, they removed it and reinserted it. I want it removed. XXXX XXXX XXXX account is still being reported, even though XXXX XXXX XXXX pulled it from collections and XXXX the 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 2016-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I was sent an offer to start a trial period payment for my home equity line of credit from bank of America on XX/XX/2016. But Bank of America never mailed me the terms of the modification agreement. 
XXXX is my only language. 
I have been making my payments, but

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 2022-03-22
Company: JPMORGAN CHASE & CO.
State: TX
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:
There was an incident occurred with my Chase Business account whereas an unidentified amount of {$350.00} was shown debited from the account. I inquired to a Chase personal banker and they inform me it was a wire but could not identify the source. I immediately took action and closed the account under the suspicion of fraudulent behavior and Chase credited back the funds to my business account. It was later revealed to me from XXXX XXXX that my account had gone into 30 delinquency mode. I have an outstanding record of on-time payments with XXXX XXXX XXXX Apparently, the unauthorized wire of {$350.00} that posted to their records on XXXX, 2021 ( for my XX/XX/2021 car payment ) was reversed. XXXX reported to the credit bureaus ( XXXX, XXXX and XXXX ) as delinquent. I spoke with supervisor XXXX XXXX at XXXX XXXX explaining the situation requesting that this delinquency be removed and that I have a letter from Chase explaining my creditworthiness and the situation. They referred me to email their resolution team ( XXXX ). I also disputed with credit bureau and they are saying XXXX is not cooperating to remove the delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: Other

Complaint:
I apply for secured discover credit card on XX/XX/XXXX. I was approved for the line of credit, however I received a duplicate inquiry on my Equifax credit report dated XX/XX/XXXX. I disputed this duplicate inquiry with the credit bureau several times and was unable to get it remove as it is inaccurately reporting on my credit report. I also contacted discover on several occasions and the issue was finally acknowledge almost a year later on XX/XX/XXXX but the duplicate inquiry still remains on my XXXX credit report to this day. I would like the duplicate inquiries deleted from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
TD Bank credited my account XXXX $ that were bank over-draft charges as a result of fraudulent activity on XXXX/XXXX/15. On XXXX/XXXX/15 I contacted the bank to ensure that the funds had been returned to the account and that the ACH was denied. On XXXX/XXXX/15 I stopped into the branch to obtain a letter to provide documentation to an outside entity that the issue was resolved. TD Bank sent a letter stating that the case was closed and found in my favor. On XXXX/XXXX/15 they reversed the credit, in addition, charged me XXXX over draft fees for their credit reversal since they processed them separately. After 30 minutes with a representative, they stated that they will expedite the un-doing of the reversal, however, I continue to incur fees from their XXXX $ debit for purchases that were already made.

Company response to consumer: Closed with monetary relief