BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of america is highly understaffed and outsource the jobs to XXXX workers and other XXXX. As a result of that, overall operations has become a big mess. Customer service is terrible. 
On XXXX XX/XX/2022, I had a Bank of america XXXXXXXX XXXX XXXX XXXXXXXX ending in XXXX. I tried to close it. I initiated a chat - lot of wait time and after all the verification, XXXX XXXX left told me that : He can not close your account in our Chat. You would need to call for this service. Prior to that he was giving me some other excuse why the account should not be closed. I told I have already moved out the funds and please close it. 
Later he left the chat without closing the account. He gave me a phone # XXXX to call to close the account. Upon calling that phone # at around XXXX XXXX menu based robot doesn't allow to let a customer talk to a human agent. In fact robot is stating, visit website and initiate a chat. I am send in circles and it seems that due to low morale, low wages and worse treatment of humans by Bank of america management, nobody wants to do any work. Most of the hiring in bank of america is done to hire friends and family only this makes things even worse. I know lots of Bank of america employees and contractors in XXXXXXXX XXXX and other places - who literally does no work at all. 
Why bank of america can not close the account via chat? Why there is no human on the phone. My phone call was disconnected when i called. It's so much wastage of time of customers by bank of america

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 2015-12-01
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am submitting a compliant. I have been at my resident for about 20years and is still being accused of owing you way over the amount due. I am requesting that I be cleared from this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX, I received a letter from Debt Recovery Solutions , LLC claiming that I owe {$150.00} to that company, as a result of a supposedly unpaid cell phone bill for an account with XXXX. I contacted Debt Recovery Solutions and informed them that ( XXXX ) I have never had an account with XXXX, ( XXXX ) I have not had a NY address since XX/XX/XXXX ( they said the address for the account was in New York ), and ( XXXX ) that the debt and account are not mine. 

Since XX/XX/XXXX, I have contacted Debt Recovery Solutions on XXXX separate occasions to request that they either send documentation to support their claim that I owe the money ( I know they have no such documentation ), or that the company cease attempting to collect this alleged debt, and that they remove the delinquency report they have made to all credit reporting agencies. Debt Recovery Solutions has not done either of these things. 

In the meantime, my credit has been negatively affected by the false credit reports submitted to the credit reporting agencies by Debt Recovery Solutions. I can not get the company to remove the false report concerning the alleged debt, nor will they provide any support for the supposed debt and account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXXXXXX XXXX is my XXXX  XXXX XXXX and I am the cosigner, XXXX XXXX XXXX 
AES XXXX XXXX XXXX XXXX, PA XXXX XXXX The loan has been paid on time for the requirement of a cosigner release which was XXXX consecutive on-time payments, AES/XXXX change rules as they go. I requested the release only to be told NOW that the borrower
does not meet the credit score required for the release. He owns his own home, cars, and other financial obligations all in good standing.

In the original documents, there is no Clause stating such a requirement. 
The payments are auto-drafted from my son 's account and Have never been unpaid. 
This is unfair and damaging to my credit report and I feel this is discrimination against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
It seems like every time I talk to a collection agency that has the account theyll close it and then somebody else to get it its like they pass it on to hundreds of these companies and even though you settled it they still come after you saying that you owe this account. I asked the agencies numerous times in the company to validate the debt show when the debt was validated thats all I ask. And if they can not then I ask for all accounts to be removed from all credit agencies and all negative remarks be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX PA,XXXX XXXX Account # XXXX No contract or no signature

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 2016-06-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a collection placed on my experian credit monitoring by : XXXX. I sent a letter to the collection agency with a request for full debt validation on XXXX XXXX, XXXX. They received my request on XXXX/XXXX/XXXX ( I have all receipts sent by registered mail ). They sent back the total charges billed provider. However that is not a validation of the debt as described with the Fair Debt Collection Practices Act. There is no description of services rendered, explanation of how the alleged amount was calculated including interest, no copy of any signed agreement between me and the billing agency, nor was a complete payment history present with the original creditor. I sent out another letter again, requesting for validation of the debt, they had thirty days to respond according to the FAIR CREDIT REPORTING ACT. They received the second request on XXXX/XXXX/XXXX and never responded. I sent the receipts and a letter to experian that the thirty days passed and I received no validation of my debt and I had asked experian to remove this collection immediately. Experian however did not delete it from my credit and wrote that it is under investigation for 45 days That was on XXXX XXXX, XXXX, where two months have passed from that date. This is not a valid collection and it needs to be removed of my credit, there are many violations in place here.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/XXXX my credit card balance was paid in full. XXXX. 

See attached statement. 


No payment is due for XXXX. 

See attached The minimum payment for XXXX is due on XX/XX/XXXX XXXX attached. 
XXXX marked my credit report 30 days late causing me to lose XXXX points. 

I call them today Monday XX/XX/XXXX and she was telling me I missed my payment in XXXX. There is no payment for XXXX because the entire amount was paid on XX/XX/XXXX. See attached.

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 2022-11-07
Company: Affirm Holdings, Inc
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Made a online purchase using XXXX - the merchant has XXXX as a form a payment. After completing purchase I contacted the merchant to see when item will arrive. A few days had went buy with no response from the merchant. I went to the merchants website where I made purchase. The merchant website was no longer available. Over the course of a week I been trying to contact merchant. And see if the merchant website is visible it is not. I contacted XXXX XXXX to. Let them know the merchant is unreachable. And I would like my refund. Shop pay told me theres not enough evidence. To dispute my transaction and I need to contact the merchant. Theres no one to contact because the merchant store dont exists any more. I file a complaint with the federal trade commission and also will be filing a complaint with my states attorneys office as well. XXXX XXXX  is telling me to continue making payment on a item I never received and never will receive

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
They have received no response. I can not logon online to enter dispute due to incorrect information about a mortgage on my credit file. Transunion has incorrect information on my file and is now making it very difficult to report it. The following information is incorrect and not mine, so unless proof of my signature is provided it must be removed from mu report. 
1- XXXX XXXX XXXX # XXXX - DO NOT KNOW OF THIS2 - XXXX # XXXX AND # XXXX THESE ARE NOT MINE AND SHOULD BE REMOVED FROM MY REPORT. 
3 - XXXX XXXX XXXX # XXXX - THIS IS NOT MINE AND NEEDS TO BE REMOVED FROM MY FILE AND REPORT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: IN
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. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2015-07-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX XXXX of 2015 I ask that a dispute get started for something that showed up on my credit report. After the XXXX days was up on the investigation I sent another letter telling them to remove the item because they did not complete the investigation. I have not heard anything from the yet and it has been months since I first asked them to start the investigation. On XXXX XXXX they wrote a letter and sent it to me stating that " Suspicious requests are reviewed by experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. We will not be initiating any disputes based on the suspicious correspondence. Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information. 
If you believe that information in your personal credit report is inaccurate or incomplete, please call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. " This is not following the guidelines but even if it were, I went on the internet and people say to send more ID showing you are who you are. So that is what I did. A SS Card, ( 2 ) state ID 's and a military ID. They will not respond to any of my request. This debt like many others that they refuse to investigate is n't my debt and I am paying the price with a bad credit score because of someones mistakes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX Bank concerned not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX account is : XXXX. I give the CFPB permission to share any details about this case with 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 explanation
Consumer complaint received 2022-11-07
Company: BROKER SOLUTIONS, INC.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We are not currently in foreclosure and have applied to XXXX XXXX  to prevent anything while My wife, XXXX yer old, XXXX XXXX XXXX, XXXX XXXX old and myself all have XXXX and XXXX. Issue I am having is we are trying to sell the house and company used a XXXX party service to threaten to change locks and charge me money to upkeep the house that I drag myself to every other day, if I can, to clean and keep up on. They did this under the guise of " protecting the home. '' Which I am already doing and the company they used XXXX XXXX has documented instance of breaking into homes that are for sale to do this " service. '' This feel like another way to squeeze money out of people in hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer Caliber home loans ( loan # XXXX ) received a check from the HAF program ( application # XXXX ) in the amount of {$17000.00} on XX/XX/XXXX. I confirmed this with XXXX ( XXXX XXXX XXXXXXXX ) at Caliber on XX/XX/2022. As of today the funds still have not been posted to my account. My loan was sold to XXXX XXXXXXXX XXXX on XX/XX/XXXX and the past due balance is over {$18000.00} now. This is impacting my credit, Caliber has had people out inspecting the inside and outside of my home because my mortgage is in default. I have been calling Caliber home loans twice a month for 5 months trying to get this corrected and every time I call I get a new excuse. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Experian XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
These accounts disputed by the Department of Education, none of these 2016 dates to the right should be existing ( where late payment history shows ), and none of the columns showing pass due should have any number in it as they are NOT in collection and the verbiage should be on the credit line as in collection because it is not, such as column XXXX acct # XXXX. ) This is inaccurate. I am requesting that these accounts be corrected. 
Also account # XXXX ( XXXX ) has been satisfied entirely and account # XXXX ( XXXX ) has been satisfied. I respectfully request that these are also corrected. 
Enclosed are copies of XXXX XXXX repayment for the accounts listed in your bureau supporting my position. Please reinvestigate these matters and correct the disputed items as soon as possible. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I requested validation of bankruptcy reference # XXXX on my credit report from Experian and Experian sent me a letter stating that they verified the bankruptcy record through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Experian Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore Experian has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to 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 2015-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian and XXXX have apparently been running a scam for more than a year to purposely make it difficult and add costs to obtain our annual credit reports via " XXXX ''. XXXX fills in our private information including social security number and then XXXX is asked to select among which XXXX one wants out of Experian, XXXX or all XXXX. Once selection ( s ) are mad and private information is submitted Experian and XXXX come back with notices about not being able to provide our credit reports via the Internet or that there is a condition preventing delivery over Internet. Then they provide instructions to physically mail one 's very sensitive and private information at our expense to their mailing addresses and hope that we our credit reports in the mail which is a popular method for thieves to obtain information for identity theft AND an exceedingly less secure method than an encrypted communication session directly to our computing devices. This has happened before on other attempts and I believe that this a purposeful act on the part of these credit collecting and reporting companies to discourage transparency of what they do, to interfere with the rights of American consumers, and to force us to pay for our credit reports which should be free not just annually due to the grave impact errors on credit reports on American 's lives. There are no valid technical or monetary excuses as to why these XXXX monopolistic companies can get away with this scam and the XXXX government needs to penalize them heavily for doing this to American consumers and taxpayers on an ongoing basis and make our credit reports fully available again on XXXX '' immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: UBS BANK USA
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
We had a brokerage account with UBS. Our financial advisors moved to XXXX XXXX and we moved our accounts there. The UBS account included a XXXX which we canceled over the phone. UBS is dunning us for the annual fee even though we canceled the card and were promised that the fee would be reversed at the time we canceled. My most recent call to UBS was today, and I asked for an address to file a written complaint with UBS and was told that they could not give me an address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Cascade CISS Holdings, LLC
State: PA
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 asked for these unauthorized hard inquiries to be removed from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed an account with XXXX and also provided documentation to establish the reporting companies failure to respond appropriately in accordance with Federal and State regulatory laws. This is my final attempt to have the reporting agencies correct the fraudulent information that does not belong to me, and that the company has failed to prove by the virtue of the laws governing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief