BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: TCF NATIONAL BANK
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
TCF Bank case number :XXXX. On XX/XX/XXXX XXXX My checking account.I made a purchase on line for a money back guarantee fo XXXX  XXXX as seen on XXXX XXXX. The diet pills had a clear ad to purchase at a cost of {$29.00}. Soon after I made this purchase .l seen my checking account was charged {$80.00} + again for {$190.00}. I then talked with my bank and they said : the company was XXXX. I asked the bank to file a dispute as that amount was not authorized by me .The bank said I have to deal with that company myself .So I called that company XXXX XXXX XXXX to put a stop on this order ( next day ). They said it's already shipped. 2 weeks later I got it .I called them for a return address .I then shipped this to : returns and receiving XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CO. XXXX XXXXtheir RMA NOXXXX. Since then I've been dealing with their O.L customer support people by E mail I got confirmation from USPS that it was delivered to them on XX/XX/XXXX. Tracking number is available .Have no Idea why this bank I've been with for a long time won't file the dispute .XXXX XXXX dispute services TCF XXXX XXXX XXXX. Waiting for your reply Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-06
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I sent a certified letter to the three bureaus and XXXX XXXX ( Convergent Outsourcing ) requesting that this account be validated and received no responses. 
On XX/XX/2020, I sent another certified letter to the three bureaus and XXXX XXXX, and received no responses once again. 
I do not owe anything to XXXX XXXX cause I have XXXX XXXX today and the bill is paid on time, yet the three bureaus are reporting two different accounts in my name with two different amounts. Account number # XXXX for the amount of {$1000.00} and {$69.00}. I do not owe these amounts.

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 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 pulled all 3 bureaus reports and asked for validation or verification on the bankruptcy listed in my public record and each one came back as verified without any documentation or written proof. After I froze my account with XXXX XXXX ( completed XX/XX/XXXX ) to whom supply my information, I then proceeded to re-dispute with the bureaus. Again same results verified yet no proof although at this point account frozen so impossible to verify. My next step was to address the courts about the matter ( completed XX/XX/XXXX ) which stated that they use a particular system that did not involve the verified parties. enclosed are the letter from the courts and XXXX XXXX showing my account being frozen yet account being verified after that date recorded date. so my privacy have been violated by the involuntary disbursement and usage of my personal information including social security number. parties involved Transunion XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2017-07-25
Company: EQUIFAX, INC.
State: TN
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:
Please confirm with The Social Security Administration of my name on their file. They are one of the ones that told me to contact the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Between the dates of XX/XX/XXXX and XXXX XXXX 2019 I had a total of {$3200.00} fraudulently charged onto my XXXX accounts. ( Both XXXX XXXX  and XXXX XXXX  were affected ). These charges were initially disputed with both XXXX and Bank of America on XX/XX/2019. I had submitted paperwork documenting my fraudulent charges and spoken with no less than 5 separate bank of America employees. For reasons unknown to me the disputed charges were put into two separate claims. One claim was repaid to me in the amount of {$1000.00} however the second claim of {$2300.00} has yet to be repaid. The employees of bank of America claimed the file was in OPEN status for just shy of 5 months. Despite my attempts to speak directly with a manager I was never given reasoning for their denial of my reimbursement.

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 2022-01-24
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted the lender to get PMI cancelled as my XXXX ratio is below 80 %. 
XXXX10 days or so later I get a call back from someone telling me the investor ( XXXX XXXX ) is requires me to have the hose re-appraised before they will remove the PMI. Something about XXXX XXXX being a disaster area which is news to me. Nothing significant happened here in a year. 

I asked for documentation supporting this assertion and I was told they did not have to and would not provide any documentation. After an extremely unpleasant exchange ( The guy was rude and basically telling me I don't need to go back and re-read the agreement I'm telling you this is how it is ) the call ends and my issue with them is closed. I've got no way to call the person I spoke to back or reach them either. 

I reached out to XXXX XXXX  and was directed to the servicing guidelines for cancelling PMI. Document XXXX Link : XXXX XXXX XXXX  # XXXX It doesn't seem to mention any of the language the representative from the servicer asserted over the phone. ie; there was a natural disaster here a year ago and they need to re-appraised before they can remove PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: LEXISNEXIS
State: WA
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 and lexis Lexus reporting to third party site " opt-out of all 3rd party vendors

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Maximus Education, LLC dba Aidvantage
State: NH
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:
Paid off my school loan in XXXX and received two US Dept.of Education letters confirming I completely paid off my school loans on XX/XX/XXXX and XX/XX/XXXX. I then received a refund check from the Dept. Of Education for overpayment of my school loans.effective date:XXXX 

XXXX XXXX XXXX then started sending billing invoices three ( 3 ) years later in XXXX for a payment schedule of unpaid balances. I was not given any documentation of this new unpaid balances? 
I contacted Aidvantage Loan Servicing ( XXXX  sold ) in XXXX to inquire about this mystery unpaid balance 3 years after I had documents to prove I paid off my loan in XXXX. 
After six attempts to reach the Claims Dept., they send a letter which stated : FSA requested adjustments to the account and this placed a balance back on the account. A bill was sent reflecting the balance of {$590.00}. This balance is valid based on requested adjustments per FDA.

I sent a letter to the Claims Dept., with copies of my two DOE letters stating I completely paid off my loans in XXXX and the copy of my DOE refund check in XXXX. 

I have not heard back and the supposedly balance due on the ( already paid out ) school loan is now {$840.00} due to interest. 
I am retired now, I paid my loans in full in XXXX with documentation. I have no proof or documentation that an adjustment was activated and valid as XXXX stated in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a mortgage payment on XX/XX/XXXX for my payment due on XX/XX/XXXX, on XX/XX/XXXX the bank initiated an additional withdrawal for the payment due on XX/XX/XXXX despite the mortgage payment already being made for that month. The checking account was charged a {$20.00} non-sufficient fund fee. I contacted the bank and they refused to reverse the fee, despite the mortgage being paid on time and them failing to realize that the payment had already been posted. I contacted the bank twice via telephone with the last call on XX/XX/XXXX lasting over 30 minutes and they would not reverse the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-01-02
Company: EQUIFAX, INC.
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 WANT TO DISCUSS THE MATTER AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX XXXX ( XXXX ) STILL REMAINS UNDER EQUIFAX AND XXXX, WHEN XXXX WAS ABLE TO GET IS REMOVED. THERE HAVE BEEN SEVERAL ATTEMPTS AT GETTING THIS ACCOUNTS COMPLETELY REMOVED FROM MY REPORTS SINCE I STARTED DISPUTING ON XX/XX/2017. ACCORDING TO THE FCRA IF AN ACCOUNT IS NOT VERIFIABLE ACCURATE, NOR COMPLETE THE ACCOUNT HAS BE REMOVED AS SOON AS POSSIBLE. THIS HAS BEEN ROLLING FOR WAY TOO LONG, AND I FEEL NOTHING HAS BEEN DONE BY EQUIFAX OR XXXX   PLEASE REMOVE THIS NEGATIVE ACCOUNT FROM MY REPORTS, IT'S GETTING IN THE WAY OF ME ACHIEVING MY GOALS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: AL
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:
The complaint is for the XXXX XXXX XXXX loan which was taken out for my business XXXX XXXX. 

This loan is through the XXXX XXXX and XXXXXXXX XXXX which provides affordable capital and business services to help small businesses rebuild from the Covid-19 economic crisis.

An LLC is an independent legal entity that is formed under state law. Its independent status means that it has a legal identity that is separate from its members. State law authorizes an LLC to enter into contracts, take out loans, own real and personal property and hire employees in its own name. Hence, The debt belongs to the LLC under established law, not the individual members. 

The loan is in good standing and I have not defaulted. This loan is currently being inaccurately reported on my personal business report not my business credit report. This loan has been removed from one credit agency and should also be removed from Equifax and XXXX immediately. Proper reporting should be updated to my business credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/2021 I sent a letter regarding the frustration I'm dealing with due to the inaccurate and unknown items on my credit report. It has been passed 45 days and I still have yet to receive a response on my request. I'm not sure if my request is being ignored, but I'm sure feeling that way. According to the FRCA Section 611 ( a ), failure to investigate these items within 30 days makes them obligated to delete the items in question. I am demanding that these items be deleted immediately or I will be forced to file litigations due to the frustration I'm dealing with. My information was impacted by the XXXX  data breach and I'm almost sure that's where these erroneous accounts were accumulated.

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 2022-01-24
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:
I submitted numerous investigation request of an erroneous and inaccurate bankruptcy case # XXXX appearing on my credit report. The companies response that they don't have enough identifying information on me is just bogus and a stall tactic. I've provided more that adequate information for these companies to delete this information from my credit file that is causing me a hardship. 

I supplied XXXX with 2 pieces of additional and relevant information of which XXXX chose to ignore. It was a letter from the Bankruptcy court and one from XXXX ( please see attached ) This inaccurate information is hurting my credit and future job opportunities. This inaccurate information needs to be deleted immediately.

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 2022-08-04
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: Investigation took more than 30 days

Complaint:
XXXX and equifax aren't complying with my dispute request. I sent them a letter on the 1st and i sent them a letter on the 30th that told them my first inital dispute, its been 30 days and i haven't heard back from them. I sent them a 30 day demand to comply and they still haven't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account appeared on my credit report. I contacted the XXXX XXXX XXXX in writing at 30 days, and then again in 60 and 90 days with a response from them stating that they have stopped collection activity. I also contact Experian and forwarded them the letter from the collection agency and they haven't removed them item from my report. 

I sent certified letters to Experian in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and this account is still reporting on my Experian Credit Report. 

The account is 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 explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX Balance : {$4800.00XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Date of inquiry XXXX XX/XX/2021 XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/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 explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I've contacted TransUnion, XXXX and XXXX about inaccurate and unauthorized hard inquiries on my report over 4 times in 4 months. I've contacted them about inaccurate reporting on my credit report as well, I haven't had a response. 
TransUnion XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX DeptED/XXXX XXXX DeptED/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX NA XX/XX/XXXX XXXX DeptED/XXXX XXXX  DeptEDXXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-07-22
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a message and a call from American Express and was advised that me account was past due even though I set up automatic payments. I was advised that the late fee would be removed however it would come off of my balance and not the minimum due. Customer service was horrible and the fact that this company was not willing to assist in changing the minimum fee is not acceptable. I should not have been charged a late fee at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX. 2021 my car was vandalized my backpack and wallet holding my driver license, is bank cards, credit cards was stolen! I called both my banks as soon as I saw my cards were missing on XX/XX/2021 it was a Saturday but I called the customer service center for both banks!! 
Even though I told them about my incident, they still slowed the thief to walk in bank not once but multiple times and this person enticed my accounts!! Both my banks!! Its been so long now that I havent had access to my money! Im being treated like Im the thief! They asked me to get a new driver license number and that was so difficult to do but I showed the fraud to dmv and they helped me with new dl! I took my new dl thinking this was all needed and I would get my funds and no! They wont tell mr whats going on they keep me on hold they act like Im bothering them specially XXXX at XXXX branch for XXXX XXXX! And the XXXX lady at bank of the west she has made me cry! The woman had no right telling me if Im sure it wasnt me!!! The nerve!! Of course it was not me!! Its not my fault ur tellers are guck g away {$2000.00} then {$2800.00} at bot west!! Only with a driver license the one they stole from me! Its been months now I have no money my car is going to be repo and Im about to get eviction!! I havent been able to pay my rent Im scared! I need help they need to return my money I have no idea whats the hold up dont they have cameras??? Its clear its not me!! I filed police reports!!

Company response to consumer: Closed with explanation