BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts University XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$420.00} ), University XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$590.00} ), University XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$12.00} ), XXXX/XXXX XXXX ( Open Date XX/XX/XXXX, Credit Limit {$1000.00} ), XXXX  XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, High Balance {$6800.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-06-01
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Rewards/Discounts program benefits are not being applied to 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 2020-12-27
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of this year, this company was placed on my credit report. I have no knowledge of this account and this should not be on my credit reports. 

This company is not licensed to collect in IL, therefore it is even illegal to attempt to collect a debt from me. Please have this deleted from my credit reports ASAP or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Jefferson Capitpal is in violation of the FCRA and FDCA I believe to my lawyers knowledge as well as my background involve with these laws. The company seems to have bought this debt from XXXX which has unfortunately sold them a in accurate account based or dispute with them that they refused to correct.As well This company should be reporting the first day of collection based on the info from XXXX and not showing as recent collection with them.They must report the original date of collection, Instead they are reporting it as it is recent which is causing other companies to deny credit based on there incoorect date and violation of the FCRA and FDCA.They know this hoping it will harm a consumer more by reporting false information, As well the amount is not correct and other information I am not disclosing because they should know this, instead they expect consumers to correct there mistakes for them .No attempt was ever made by them as well in neither letter or phone call which I only accept mail communications and they have failed to do so cause I could have reported this and dispute then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
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: Their investigation did not fix an error on your report

Complaint:
I've contacted XXXX  XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX and on XX/XX/XXXX I sent a letter regarding accounts that were incorrect and reporting false information on my credit repot. As of today its been over 60 days and I have not had this issue resolved. I know things are moving slow with the whole covid pandemic but at this time I feel like I'm being taken advantage of and my dispute is being ignored. Section 611 ( a ), it clearly says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been more than 60 days since I brought this to their attention so they should be deleted promptly. I demand that this accounts be deleted immediately or I will seek legal representation due to the stress this is causing me. I was made aware that my information was impacted by the XX/XX/XXXX data breach and may have gotten in the hands of the wrong person. I also lost my wallet a while again and notifeied the credit bureas.

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 2022-06-01
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I recently received a copy of my credit report from XX/XX/2022 and have found that my rights have been violated in accordance with the Fair Credit Reporting Act. 

15 U.S.Code 1681 Section 602 A. states that I have the right to privacy. Furthermore, 15 U.S.Code 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts have violated my rights : XXXX. XXXX XXXXXXXX XXXX 2. XXXX XXXX XXXX XXXX for {$88.00} 3. XXXX XXXX XXXX XXXX for {$100.00} 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. An unnamed medical account XXXX 7. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank will not give me my funds from my direct deposit. MANAGER IS THE RUDEST I HAVE EVER EXPERIENCED. I called into the Regions Bank XXXX XXXX branch to speak with XXXX, who by the way has not been any type of help at all. She seems to show no passion or concern for my situation. I opened the account online, and for whatever reason the account was closed. They said maybe because of chex system. I went into the branch the day after opening the account and they said it was ok for me to have my direct deposit from my job to be deposited in this account. Acct. The day of my deposit, XXXX/XXXX/15, I am not able to access my funds. They told me my account is being closed down. XXXX refused to try to make any calls to back office to see if there was something that could be done. The manager, XXXX i believe, at the XXXX location branch was very nice, but also said XXXX was rude with her on the phone. Are you guys really here to help the customer out. However, I have car note, mortgage, and funeral arrangements to pay for. I need my {$1200.00} out of this account. The 10 day rule is not going to work for me. Either you guys refund me my direct deposit or reject it so that my employer can write me a manual check. It 's that simple. I have been in tears today, because this is my first check and it was deposited with confidence that I would be able to access it. I have children to take care of. The fact that you want me to wait 2 weeks nearly to receive my funds in the form of a check is ridiculous. i would like my account assigned to the XXXX branch, where I work and deal with them. I DO NOT WANT TO DEAL WITH XXXX FROM THE XXXX XXXX BRANCH IN XXXX. XXXX basically sat on the phone and told me " Tough Luck! '' Never was she apologetic. She is not what I though Regions would be a representation of. I really hope she is replaced with someone who actually wants to do the work and find out what 's going on. Well Regions Bank, I need my funds. You guys have closed the account, give me my hard earned money that I have worked for. I have contacted XXXX at corporate as well. I told her to PLEASE DO NOT MAIL MY CHECK OUT IF YOU GUYS HAVE TO CUT ME A CHECK.SHE SAID IT WILL GET MAILED TO ADDRESS ON FILE. I WANT TO PICK MY FUNDS UP FROM THE BANK. SOMEONE NEEDS TO HANDLE THIS ASAP, OR I WILL BE ON EVERY BLOG AND SITE TELLING MY HORRENDOUS EXPERIENCE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America agreed to a loan modification after notifying us a few days before XX/XX/2015. We submitted all their documents they required and they received all documentation. The entire file was copied at sent From a BOA branch in XXXX XXXX directly to the loan modification BOA branch. We had gone through quality control and the file was placed for modification and BOA attempted to stop the sale but the Bank bought our property. I am a XXXX Veteran. I served as XXXX. XXXX. The veterans administration gave me a XXXX income and has already approved and inspected our home for a VA grant of {$90000.00} and a XXXX XXXX grant of {$90000.00} to make our home of 16 years XXXX. They were going to bring the home up to code, and add another room for me with seperates bath and new appliances. The remains money after renovations is paid directly to BOA, lowering the principle. Attorneys for BOA argued in court that they never heard of the VA money and that it was just a sham to delay the foreclose- I paid an attorney to file an objection to the transfer of the certificate of sale. BOA committed the shams, used robo signers, created a document a mortgage note and forged my name on it- nobody cared and I guess that is standard practice for BOA. 
But I do have the benefit from the VA. I would like them to honor the loan modification and allow the VA to upgrade the property and pay down the principal. I have the VA benefit and the income to pay. Why they would want to put a XXXX veteran with XXXX XXXX kids on the street is beyond me. It 's just greedy and plain wrong. Help! XXXX XXXX Home loan team BOA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : VA benefits can be verified for XXXX XXXX by XXXX XXXX, Sr. Appraiser/Specially Adapted Housing Agent office phone and fax XXXX XXXX email : XXXXXXXXXXXX. Mail XXXX XXXX attn : 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 2017-01-18
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I took out a loan and started paying XXXX XXXX, then it switched to Navient, I have been paying extra here and there but my balance does n't seem to be going down, it 's like my payments are n't making a difference, I should be done paying it, but it 's not decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
i had a laptop for sale on XXXX, this dude sends me a email regards to the laptop. He tells me that hes out of town and needs is as soon as possible. He tells me hey ill send u a check and cash it ill send u some extra cash so you can send it to me and pay the cost to have it here the next day. i was like okay? thinking i never have done anything like this so i go to my bank deposit the check a couple of days later my account was closed and ever since ive been tring to get this fix as soon as possible and i have no leads on anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$420.00} ), XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$590.00} ), XXXX XXXX XXXXXXXX, ( Date Opened : XX/XX/XXXX, Balance : {$12.00} )XXXX XXXX XXXX ( Open Date XX/XX/XXXX, XXXX XXXX {$1000.00} ), XXXX XXXX ( Open Date XX/XX/XXXX, Credit Limit {$1000.00} ), XXXX XXXXXXXX ( Account XXXX XXXX, Open Date XX/XX/XXXX, High Balance {$6800.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2017-02-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
In XX/XX/2013 I got a car loan at XXXX Nissan Motors in XXXX XXXX California But this car a few months late we discover that it vehicle was hit and the seller never said about this we went to make a report at Nissan consumer and they do n't did anything to help us one year late this same car was bringing to maintenance and in the passenger sit had some drop of water I told to the person at charge to deliver the car and to the manager but they said could be some water in one month late this sit had a hole when I show the sit to the manager they said that perhaps my husband gave a shuttle to somebody and this person smoking they never wanted help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am XXXX. I submitted an application to which they acknowledge my circumstances. Their solution is that I transfer the loan to my cosigner. Additionally, they have stated that the loan is in the name of my cosigner, without me or my cosigner having agreed to this action. Now despite us making payments that we can not afford, they are constantly calling to harass with robocalls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a debt settlement in the mail regarding a bank credit card i do not own. I did respond by calling the phone number on the debt paper i received but no person answered the phone but the voicemail did come on but it was full and could not receive and anymore calls and i got disconnected from the collector by their end. I feel uncomfortable paying a settlement i do not know about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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:
I did not authorize these hard inquiries on my credit reort I do not know these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} EQUIFAX XXXX : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied XXXX times online to Santander Bank for a checking account. 
The first I applied on XX/XX/2017, and received an email on XX/XX/XXXX telling me that I was declined for an account. 
" We were unable to verify your identity or other personal information at this time. '' I could not find out the problem, but was told I could re-apply. 

I did so on XX/XX/2017, and was declined on XX/XX/2017 by email stating the exact same sentence as the reason. 

I tried a 3rd time on XX/XX/2017, and never even received an email from them. 
I called in on XX/XX/XXXX and was told I was declined. 

I have never received a letter from them, letting me know what credit agency they are using for information. 
This is a violation of the FCRA - Fair_Credit_Reporting_Act. 
If they wo n't tell me which credit reporting agency they use, I can not find out what erroneous or lacking information is being or not being provided.

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 2016-06-28
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had a loan for XXXX which interest will XXXX so i pay XXXX off t loan and they still saying I owe them XXXX plus interest wich is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION COLLECTION : XXXX ( Original XXXX : XXXX XXXX TEXAS XXXX XXXX XXXX Balance {$5400.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXon my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement drivers license, and So
cial Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts are inadvertently resulting in me being extorted.

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