BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Loan number XXXX XXXX XXXX I have been disputing this organizations errors sinceXX/XX/XXXX. They obviously do not know how to properly account for monies sent to them and claim total ignorance of their own procedures. I received a statement datedXX/XX/XXXX showing my payment were up to date and that my next payment was due on XX/XX/XXXX. This corresponds to my records. On XX/XX/XXXX XXXX reversed TWO months of payments resulting in my payments forXX/XX/XXXX and XX/XX/XXXX being past due! I received no explanation and no one at XXXX could explain why nor who the money was paid to! XXXX has also tarnished my credit rating due to other errors made by them.

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 2020-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed our two BofA credit cards without notice on or about XX/XX/XXXX. 

My husband and I have been Bank of America customers since XX/XX/XXXX - going on 36 years. The credit cards that they closed were opened in XX/XX/XXXX and XX/XX/XXXX, so the credit card accounts were 35 and 30 years old,  respectively. Both of our credit scores are in the 830s out of an XXXX scale. But closing out {$25000.00} of total credit on two 30+ year-old accounts will eventually have a significantly negative effect on our credit profile. 

BofA claims the reason the credit cards were closed is that I did not respond with information requested in a letter they claim they sent us. We have no recollection of receiving a letter. BofA also froze our checking account over this same issue. 

Once this freeze was discovered, I immediately called in on XX/XX/XXXX and answered four questions over the phone, and the checking account was immediately unfrozen. Below is the information they asked for over the phone, which is pretty basic and which was already available to them, but which they claim led to the credit card accounts being closed : * SSN * Address * Date of birth * Are you a US citizen ( yes ) That's it. No other information was needed to unfreeze the checking account. But the credit cards remain closed and BofA refuses to reopen them, with their stated reason being we did not timely respond to the information requested. They claim they can not reopen a credit card account once it is closed. Incredible. 

This is not how Bank of America should be treating long-time customers in good standing.

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
After reviewing my credit report I noticed inquires on my credit report I did not approve or agreed. I then set a letter to the transunion, XXXX, and XXXX  to get these removed per the Fair Credit Act. After waiting more than a month I got a letter saying nothing could be done.

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 2019-08-06
Company: Experian Information Solutions Inc.
State: NC
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 submitted a complaint on XX/XX/2019 for items that were incorrect on my credit report. The response received from the credit bureau, 30 days later was that the creditors were still working on the disputes. After 60 days the response was " The creditors have verified that this information is correct and we have accepted their response. '' How did they verify that it was correct? Did they send documents? Signed contracts with wet signature? There needs to be documented proof. I have asked for the process by which these accounts were " verified '' and to date, have not received anything. It's like the creditor just sends a response " verified '' and the credit bureaus take their word for it without documented proof. 

Listed below are the accounts on my Experian Credit Report that I am disputing. The information being reported is NOT true and accurate! Provide me with documented proof of the late payments, etc. 

1. XXXX XXXX XXXX XXXX - is NOT my account and needs to be deleted. It is FRAUD! 
2. XXXX XXXX is a FRAUDULENT ACCOUNT and needs to be deleted. 
3. XXXX XXXX XXXX XXXX XXXX is showing late payment ( s ) - this account was never late. 
4. XXXX XXXX XXXXXXXX has several late payments. I have sent them proof that this account should have no late payments and Experian refuses to remove, even though XXXX and XXXX have. 
5. XXXX XXXX  XXXX shows late payment ( s ) - I have never paid this account late.

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 2022-02-13
Company: EQUIFAX, INC.
State: NY
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 a victim of identity theft. XXXX, XXXX, XXXX XXXX and XXXX has fraudulent accounts on my on my credit profile that need to be remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am filing a legal suit against Experian and XXXX because they dumped my credit record after a period of no activity, then improperly restored records with a " reported date '' that negatively affected my ability to qualify for a conventional mortgage loan. I need to know how long they are required to maintain consumer credit records.

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 2017-06-23
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi, I opened an account with Regions Bank around XXXX XXXX, XXXX. They were running a promo for new checking accounts with the code XXXX. This promo stipulated that 10 XXXX check card purchases needed to be done within 60 days of account opening, as well as enrolling in online statements. Once both were performed, the owner of the account would receive a {$400.00} bonus from Regions. I enrolled and committed the purchases by XXXX XXXX, XXXX. Regions decided to close my account without any notification shortly after that. I did n't receive the bonus and I did n't even receive any information whatsoever as to my account closing unilaterally by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: NY
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 have tried to fix this problem with XXXX XXXX, Equifax and XXXX  on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. 
My credit scores dropped form XXXX to XXXX from both XXXX  and Equifax  with no explanation. They continued with these egrigous errors to the current with my credit scores erroneously down 100 points. XXXX XXXX offers no intelligent explanation on their report. The report does show that I have zero negative items and 100 % payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXXI disputed the following items on my Credit report and the bureau was not able to verify them but did not provide any information that supported these accounts were accurate or belonged to me as requested. I would like them removed from my credit report. 


XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record XXXX # XXXX, opened XXXX ). 
XXXX XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record XXXX # XXXX, opened 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 2022-09-06
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Fedloans has not updated my payment counts toward XXXX despite me receiving an email that my payment counts are expected to go up. Further, they sent a letter that warned against consolidation of my loans saying my payment counts would start over when in fact a waiver law went into effect XXXX that says we must consolidate to get highest payment counts. They are sending false information so that I miss out on being eligible for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Ocwen Financial Corporation
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I asked Ocwen for a modification to bring my mortgage current after dealing with health issue. I made 3 trial payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as per the agreement. In XX/XX/XXXX they informed me that they were finalizing the modification document. Again in mid-XX/XX/XXXX i was told the same thing and I told them I needed the agreement to read and sign before I could make my new payments. I finally received the agreement on XX/XX/XXXX. The agreement said my new balance was {$72000.00} and a balloon payment of {$56000.00}. By then they said they would not accept my payments. They then informed me that PHH Mortgage services were the new servicer beginning XX/XX/XXXX. PHH informed Iowa XXXX  XXXX that I was not eligible to do anything but short sale or foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: CL Holdings LLC
State: NY
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:
XXXX XXXX from 2015 sold to secondary agency without my knowledge or approval to Jefferson Capital systems. This violates 15 USC 1681A, 15USC 6802, 15USC 1681B and 15 USC1681N.This states its a violation and I can sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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: Personal information incorrect

Complaint:
Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible
.

My current address is : XXXX XXXX XXXX XXXX XXXX, FL, XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : 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 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX showing on credit filed ftc they keep calling me have them quit XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XXXX XXXX, XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Credit Limit {$7200.00} XXXX/XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX inquiries XXXX XXXX XXXX - XXXX  Date of Report : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Student loans Contact Information XXXX XXXX XXXX XXXX XXXX, DE XXXX filed ftc 90 days ago

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 2017-06-23
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently closed on a HAMP loan for my 1st mortgage with XXXX XXXX. I submitted an 2mp loan modification with Citimortgage in 2016 for my 2nd loan. Citibank has denied my request for the 2mp program because they were not notified that my 2nd loan qualified for the 2mp program. The have said there is no way for them to give me a 2mp modification without the notification. I believe the notification they need comes from the XXXX XXXX matching system which is used by Hamp loan servicers. I also believe the system allows servicers the ability to match 2nd mortgages to a hamp modified 1st mortgage. Thus allowing them to modify my loan. I do not believe an proper attempt has been made by Citimortage to assist me with my 2mp loan and would like an explanation why citimortgage does not follow the Hamp servicers guide and assist me with my loan.

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 2017-06-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was trying to settle the debt/make a deal, and MidLand Credit Management refused to take the dispute issues, alerts off the report. They know this is for a purpose of a mortgage, and so this is therefore sabotage. I ca n't even settle the debt. They are n't going to remove anything, knowing that this needs to be done for purpose of buying a home. These are foreigners who hate my American guts, and will do anything they can to make my life miserable and difficult. in other words, they refused to be helpful in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have case you look at they did not tell you the hole truth your case number XXXX they told you I was late on my taxes I was not I have son needs XXXX XXXX  I had I lot of money going out I am XXXX to put in the spring I call the and ask them if I could have my taxes escrowed and if they would do that I would pay {$100.00} more my payments are and was XXXX a month so I pay XXXX a month they told me they would I found out late in the fall it was going up for sale and the hole time I had been paying XXXX more a month they are the one that did not pay until it went up sheriff sale I thought they had paid it when they had not they talk a bought hazard insurance they did that when I had insurance did it any way I could not afford both then I found out they are telling my payment is XXXX   month no it is XXXX and that XXXX month is more then escrow and them calling they do not just call once a day 4-5 times a day on my cell phone alone they just gave you a lot of paper work and they do threaten me of foreclosure they keep say I late when I am not that XXXX dollar payment I sent three times that caught me up but every sense then the keep telling me I am payment late I am not they go back to the main contract when it is in there favor and that is it and I have not filed for bankruptcy and they keep tell everyone that I have I need help they are as crooked as they come they only tell you half storys only show you part of paper work and lie on what I say they told you I am recorded tell them you need to hear them I need help they have screwed me so bad I can not get a new loan and they are the one doing it I did not take loan with them I did not sign anything for them so why can they come in and change everything and I am paying escrow XXXX year where is that going please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Plato, LLC
State: TX
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:
Did not authorize inquiry on my credit for this company.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please be advised that you are reporting incorrect personal information on my credit report. 
I need the following information updated as soon as possible. 


My current address is : XXXX XXXX XXXX XXXX XXXX, FL, XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : 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 2017-09-06
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Persons from the CBE Group, based in XXXX, NC, keep calling me about an alleged debt of {$670.00} owed to the USPS for unknown reasons. When I spoke with a representative - who refused to personally identify themselves - and they told me why they were calling me, asking how I would take care of this matter, I asked what the alleged debt was about. They refused to tell me. I told the representative not to call me again and that I do not want them to contact me. This has gone one at least five more times. I refuse to answer subsequent calls.

Company response to consumer: Closed with explanation