BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: NM
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:
Experian shows a HELOC account which was paid off and closed by the bank as still being open with a large balance of {$170000.00} on my account. The bank has not been helpful and has closed off my online banking access to my statements so there is no documentation that I can use to prove that the account has been paid in full and closed. 
I filed a dispute with Experian, reporting that this debt is not owed, expecting that the inquiry from Experian would prompt the bank to report that the account is paid in full and closed. Within a few days, Experian reported that the bank indicated that the information as reported is correct, which it is not. I called Experian and was told that my only options were to file another dispute ( for what purpose I do not know ) or to contact the bank ( which I have already done and which they have done but have not gotten corrected information for my credit report ). I was also told that the bank did not have to provide any proof that the debt was owed. Clearly, no investigation was done by Experian about the validity of this debt which remains on my credit report. 

I asked who I could file a complaint with about this credit reporting issue and was told that Experian did not have that information and that they had no obligation to tell consumers where in the federal government they could file a complaint. I asked to speak to a manager and was on hold for quite a while before I was told that he could not find a supervisor to talk with me and that he had no obligation to tell me where to file a complaint about Experian.

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 2019-12-02
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$600.00}, {$1200.00}, {$560.00}, {$190.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 
-ACCOUNTS- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

-STUDENT ACCOUNTS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$560.00} -This is not my account. 


XXXX XXXX 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo has force placed insurance on my property as a XXXX mortgagee. I have told them several times that I already have mortgage insurance through my XXXX mortgage which is XXXX. The XXXX mortgage policy is with XXXX. They insisted on creating the policy anyway stating that they would deduct the money from my escrow account. This is how ridiculous they are. I do not have an escrow account with them. The Wells Fargo Account # 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 2022-04-12
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have asked Transunion to remove the bankruptcy from credit report it says on my credit report that they received the information from the bankruptcy court but its not true because the bankruptcy court dose not report to any credit reporting agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: ALLY FINANCIAL INC.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
While trying to make a past due auto loan payment at Ally Bank via phone. A supervisor took over the call and argued about taking a payment. I had been working with a person named XXXX. XXXX had been making contact with me in regards to my payments. Around XXXX this morning XXXX called to follow up about payment. I let her know that I was in the process of doing so. She informed me to make a payment and she will make sure that it was posted. After hanging up, I went to the online banking site and began making my payment. I needed to make two transactions of {$230.00} to make a payment of {$460.00}. When I made the first {$230.00} transaction and began to make the second the on-line system would n't allow another transaction to occur in the same day. In the error message line it suggested that I call for further help. So I did just that, I called back XXXX 's direct line. But she did not answer, another person named XXXX answered and explained XXXX had just went to break. After explaining the actions that I had took and that I wanted to make two transactions. XXXX explained that I would have to make a payment via third party with an included fee. So, I stated that I would make the other {$230.00} payment tomorrow. XXXX said that would not be acceptable and then placed me on hold. After about a minute of being on hold another person informed me that she was a supervisor named XXXX XXXX and then the call became different. She was rude and abusive and even eluded to be a legal expert. Even after explaining that all I wanted to do was make a payment. The supervisor constantly spoke over me and chastised me about my difficult financial times and not being able to make a timely payment. She continued even after I stated that my financial hardship was due to the downturn in the XXXX and XXXX XXXX of which I am a business owner. She also brought up a legal notice and during the conversation she stated it was " black and white ''. I asked if she was a legal person, she acted as if she was a legal representation and that I had no recourse or options. I also informed this Supervisor that I am a business owner and I too record my calls. After 22 minutes of this rude and abusive behavior payment was made and the Supervisor had no remorse for her behavior she even at one point told me she " did n't have time for it at XXXX. '' I was confused by what she meant by that, she did n't have time to resolve my issue and take my payment? This call was derogatory, abusive, and degrading when the only thing I wanted to accomplish was making a payment to clear up my finical issue. I have this call recorded and available for review, if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had a Citi Card XXXX account the balance for which I have always paid by the due date. On XXXX XXXX, XXXX, I received an urgent call and text message about a possible security breach on the account. I called the customer service office and was informed of XXXX charges on the account ( XXXX from the same company ) for purchases I had not made. When I confirmed that these charges were not mine, the customer service representative told me that Citi Card was closing my account. I objected arguing that this action would cause significant problems because of my automatic payment creditors. But the customer service representative would not budge. I then asked to speak to a supervisor and was transferred to XXXX. As I had told the previous customer service representative, I told XXXX I check my account every week so I could quickly inform them of any security breach. But he said the company policy required the closing of the account. And again, XXXX refused to reconsider his decision when I complained about the automatic payments. When XXXX would not change the decision, I asked for a refund of the remaining portion of my annual membership fee. XXXX explicitly told me I would receive a refund of that amount. 
Citi Card closed my account on XXXX XXXX, XXXX but never refunded my membership fee. 
I, then, engaged in a lengthy back-and-forth with the Customer Service Department at Citi Cards. At first, the representatives simply ignored my complaint. Then I received a response that my request was untimely because refunds were only possible within 30 days from the mailing of the statement with that charge. ( I was charged {$95.00} on XXXX XXXX, XXXX ). When I reiterated that Citi Card 's supervisor XXXX had told me the unused portion of the fee would be reimbursed, I received a message apologizing for the " incorrect information you received. '' Then, when I asked if Citi Cards was acknowledging that XXXX had made a misrepresentation, I received a message from XXXX, a senior account specialist, who asserted that " Our records do not show that you were advised that the membership fee would be credited. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is update information to previous filed complaint against Bank of America Attaching the complaint numbers This is pleading filed today in XXXX case to vacate summary judgment. 
XXXX FHA case filed complaint at XXXX  XXXX Bank of America has done many illegal acts

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: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 To whom it may concern : I need assistance from the Consumer Financial Protection Bureau. I received a collection letter dated XX/XX/2019 from a collection agency by the name of Convergent Outsourcing , Inc . 

This collection agency is charging me for a fraudulent debt that is not mine, and I have never owed. 
The charges are fraudulent, and they are claiming that I owe a company by the name of XXXX XXXX , XXXX {$8000.00}. 

They have also listed another company by the name of XXXX XXXX XXXX as the supposed Original Creditor. 

I want to report this collection agency, as well as its cohorts for trying to defraud me. I have never done business with these companies and this debt is a scam. 

This company is slandering my credit as well as my name, and I want any collection account, or any derogatory information that they have placed on my credit files removed immediately, and I want hard copy proof on their letter head that, that has been done, as well as I want written proof that this fraudulent collection account has been permanently removed from their companies files. 

I also want Convergent Outsourcing, Inc., and it cohorts, to cease and desist from contacting me ever again with their fraudulent made up collection accounts. 

I looked up this XXXX XXXX XXXX and it appears that they and Convergent are working together to go after consumers with claims for fraudulent debts that they are creating, and the consumers do not owe, they are trying to get consumers to pay them for fraudulent debts. 

( Copy of collection letter has been uploaded for the CFPB to review )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
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:
Contacted TransUnion on XX/XX/XXXX regarding the inaccurate reporting of inquiries/Fradulent as I am a victim of the TU inquiry issue. Customer service rep declined to assist in removal of inquiries not submitted by me and disconnected the line without reason.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX   ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My bank keeps refusing to approve a credit card for me most recently I applied again and the only reason stated on this letter is ridiculous excessive number of new credit obligations this is not fair its the only reason everytime I apllied for a card with them they deny me for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: NEW CITY FUNDING CORP.
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:
accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnished an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
State: CA
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:
on XX/XX/2020 I received an email from XXXX XXXX  and XXXX   about a new hard inquiry into my credit. I NEVER AUTHORIZED THIS HARD PULL! 

I am in the process of buying a home and had all my credits from many lenders being pulled from XXXX XXXX XX/XX/XXXX. Which is within a 2-week time frame and so counts as one credit pull. I DID NOT AUTHORIZE ANY LENDER TO PULL MY CREDIT BEYOND THIS DATE OF XX/XX/XXXX. 

ON XX/XX/2020 I got an email saying that there was a new credit pull. I want to dispute this. This is unacceptable and I did not authorize this. I want this removed. Below is the following information about the Hard pull : Alert Type : Inquiry - New Inquiry Found On : XX/XX/2020 A new credit inquiry has appeared on your credit report. Please review the details of the alert for information that may indicate  identity theft. 
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 

SourceEXPERIAN Alert DateXXXX Inquiry DateXXXX Name XXXX Phone ( XXXX ) XXXX Business Type FR Street AddressXXXX XXXX  XXXX XXXX XXXX State CA 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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
The Credit Bureaus did not perform a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did NOT do this! Furthermore, violating my rights. 

In accordance with FCR Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my accounts where properly investigated but how is this so if the open date is inaccurate, the date last active is inaccurate, the reporting dates are inaccurate, the payment dates are inaccurate, the status is inaccurate. This is grounds for removal. 

XXXX, TransUnion and XXXX all violated the laws below ; 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2016-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I have XXXX account with Bank of America.One account is a primary checking another checking account and also a Money Market account. Last month XXXX XXXX XXXX fees were added to my account by the bank.They added XXXX and a additional XXXX monthly fee. I called the bank to complain about this. They told me they added these fees because I had to many withdraws. I was told by a second representitive that they could refund me some of the money the bank had charged me. This person tranferred me to another representitive and they said there was nothing they can do to help me. I have had this account since XXXX and they did n't ever charge me. I ask them to not put additional charges on this account due to no activity since the month it happen but there has been another XXXX dollars fee added this 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 monetary relief