BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian CreditBureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXXXXXX 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 XXXXXXXX -These personal information are need to be corrected. 

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 XXXXThese accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately. 


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 Balance : {$270.00} -These accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this immediately.

TRANSUNION Personal Information Also known as : XXXX, XXXX Current Address : 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  -These personal information are need to be corrected. 

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 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 XXXXThese accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST delete this 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 2021-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have been receiving unemployment benefits from EDD since the start of the pandemic. There has been {$4600.00} stolen from my EDD Bank of America prepaid card through ATM withdrawals starting from XX/XX/XXXX to XX/XX/XXXX. XXXX separate withdrawals ranging from {$200.00} to {$920.00}. I wasnt aware of the withdrawals because I wasnt checking my account balance since I planned on saving the {$4600.00} for an annual XXXX Insurance payment of over {$3500.00} and a car payment. I filed a claim on XX/XX/2021 after I found out the money was stolen and ordered the newer BoA card with the security chip in it. 

I called BoA claims a week later and one of the agents I spoke to told me that the claim was resolved in my favor and that I should be receiving the funds within 24-48 hours. I was ecstatic since my insurance payment is past due and it relieves a lot of stress on my end. After 2 days I still had no money in my account so I called BoA claims back. A different agent told me that it wasnt actually resolved in my favor and the other agent gave me false information. I filed a reconsideration with a hardship since I already made arrangements to pay off my bills after hearing that it was resolved in my favor. I filed a police report which I gave the report # to the claims department to update my claim.

Im currently unable to XXXX XXXX my car since my insurance has expired and I cant make the annual payment. In an awful position right now and XXXX  XXXX is on the horizon. Its been 2 weeks and I havent had any provisional credit enter my BoA account as well while theyre investigating. Ive read tons of other similar stories on websites like XXXX and a common theme is that the Older EDD BoA prepaid cards didnt have the security chip which prevents fraud of this kind.

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 2021-09-24
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

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 2022-03-11
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Booked a trip through XXXX using Affirm, and due to hostilities and protests the rental was not safely accessible and I attempted to contact the XXXX XXXX  XXXX owner to cancel who further became combative. The trip was never taken due to XXXX XXXX and both XXXX and Affirm are not actively working to resolve as multiple calls and the case hasn't moved. There's no communication, and no resolution. {$980.00} for a rental that isn't reasonably accessible. I didn't cancel by choice or fault of mine, I want my refund processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent multiple letters to TransUnion. I received a copy of my TransUnion credit report and it showed credit inquiries that I did not authorized. I understand that unauthorized inquiries should not be placed on credit files. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes. 1. XXXX XXXX XXXX. XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. 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 2022-09-07
Company: EQUIFAX, INC.
State: IA
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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX and Equifax reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX and XXXX is reporting the date last active as XX/XX/XXXX and Equifax is reporting it as XX/XX/XXXX. Which date is it? 

Why isn't XXXX XXXX or XXXX reporting any payment history? When was I reported late with XXXX XXXX or XXXX? What was my monthly payment? When was my last payment received for this account? 

This account is completely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, we discovered that our mortgage company, 'Nationstar ' through XXXX had failed to fully pay last years property taxes. As a result XXXX  XXXX County in Colorado have put a lien on our home which has been purchased. We contacted Nationstar and alerted them to the problem on the same day, they acknowledged that there was even a note on the account to pay the second half of the taxes but that had not been done. 

I have been in weekly contact with Nationstar and yet I am no further forward in having this 'mistake ' resolved. Nationstar have said they will take care of it and pay the taxes, lien and associated interest and fines but six weeks later the matter is not resolved. I find it incredible that this could happen in the first instance, I'm astounded that XXXX XXXXXXXX County put a lien on my home without my knowledge of an existing problem. 

While Nationstar acknowledge the problem lies solely with them and they will take care of it, it is little comfort to me six weeks later. There has to be some accountability

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
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 latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2021-05-11
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Reached out to the companies to try and get them to delete said debts off of my credit report as they were not authorized to report anything to my credit report by me. I did not sign any contracts with those companies nor have I owed them any debts. 


Commonwealth Financial- {$680.00} XX/XX/2021 This company has been reached in order to resolve this issue and the resolutions were unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Upgrade, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
To whom it may concern ; Ive been experiencing issues with a digital - credit card company named, Upgrade for the past 45 - 60 days, due to the fact they restricted my account, because of a previously reported derogatory remark on my credit profile. Therefore, in XXXX of XXXX their office decided to restrict me from further using my the card. Please note that Ive been a member of this company for over two years and have never been late on my payments on either of the two accounts I have with them. I have tried numerous times to speak with someone from Management, so they could explain me to as to why their hasnt taken the time to review my account / credit file periodically to determine if the restriction should continue. Yet I am always told that no Manager is available to speak or for a call back. Their customer service is not helpful at all, quite sarcastic and condescending. 

The Upgrade Card , Inc. Customer Service no. is : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Capital One does not keep my banking information updated for the company  XXXX  and it is costing me money.  XXXX  is great! Capital  One 360 checking has so many more issues besides this one to the point that I do nt even know where to begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Early Warning Services, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I made a verbal agreement with XXXX XXXX XXXX that reads as follows : I ( XXXX XXXX ) will down pay {$300.00} for delivery of a new XXXX XXXX XXXX ( here on " XXXX '' ) and pay {$200.00} within 1 day ( 24 hours ) of receiving the XXXX.Failure to pay within 24 hours, except in circumstances outside my control, will increase the price by 5 % per day after the due date. You ( XXXX XXXX ) are solely responsible for the delivery of the XXXX and are to share tracking info as soon as available. The XXXX is to be delivered within 1 month ( 30 days ). Failure to deliver within the timeframe, except in circumstances outside of your ( XXXX XXXX ) control, will occured a refund of 5 % of the total cost. After 2 months ( 60 days ) the item will be considered not delivered and will be refunded at 110 % of the total value ( {$500.00} ). '' On XX/XX/XXXX : I sent a message to the seller : '' '' Again any updates. No response and I will ask for a refund.Within 24 hours '' Two months have passed. 
The item was not delivered and contact has been cut. 
I requested a refund from Zelle and XXXX XXXX on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 Credit bureaus stated that account XXXX  # XXXX was properly investigated, but how is that possible if the monthly payment is inaccurate, Date Opened is inaccurate, Balance is inaccurate, late payments are inaccurate, High Credit is inaccurate, Last Reported is inaccurate, Date of Last Payment is inaccurate. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-09-24
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My bank changed my account numbers so that I could not access the money. My app pulled up 1 new card numbers that I do not have access to. They changed my account/ card numbers without my knowledge. I need assistance now. The XXXX was XXXX and they made it so that I could not touch the money. I cant touch my money. The bank also changed my Address information when I made the other complaints so my information could not be found in their system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On either XX/XX/XXXX or XXXX XXXX XXXX 2017 ( I can not remember the exact date ), I called Sallie Mae to discuss why I received no e-mails or letters or phone calls about my forbearance ending and my payment being late. After that issue was resolved, I learned that I might qualify for a program to help lower my payments since I am going through a lot of health issues and am not even allowed to work full time because of my health issues. I talked to a representative and he took my information and I answered all of his questions and then he said he would need to talk to my consigner. On XXXX XXXX XXXX 2017, my consigner called and talk to a representative who was quite rude to my consigner who is also my mother and I do not appreciate that. During that call, my mother described how the representative tried to convince her to ask people who have nothing to do with the loan to make the payments on our behalf and that is 100 percent uncalled for. This loan is between me and my consigner and has nothing to do with other family members and friends. When I called on the same day, after my mother, I was told that I did not qualify for any program because it could not be guaranteed that I could make a lower payment so I would have to make the full payment that we can not afford now. If Sallie Mae acknowledged that I might have a tough time making a lower payment, how do they expect me to make a higher payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive sent letters well as my Id Driver license and birth certificate Social Security card.In the year XXXX well as in XXXX they still show all these names on my 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 2017-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have one parcel id number and two addreses XXXX and XXXX XXXX XXXX XXXX XXXX XXXX have been paying my mortgage regularly for almost ten years on time. I do not want to loose this property i want to work something out like a modification agreement which sometimes they agree on doing that and sometimes they say they are going to foreclose.I got a letter last year that said my payments on each heloc was going from XXXX to XXXX/m each.This is when i stopped paying cause they told me i needed to do that in order to recive my modification.They asked me to make a payment XX/XX/XXXX on each so i did to Bank of America.loan number XXXX XXXX and loan number XXXX XXXX.I sent them everything asked for checks tax returns bank statements profit and loss statements you name it they have it more than once from XX/XX/XXXX.They have an incredible lack of understanding any of it. My relationship manager XXXX says ooh dont worry everyone else says nothing is happening and they hired an attorney to foreclose on me they say XXXX and XXXX some lawyer in florida.They have underwriters that will not talk to me and they are the ones that dont seem to get anything now so much time is going by im very worried.I have a XXXX son with XXXX so from XXXX years old i spent a fortune on doctors.They kept sending me documents saying the modification on both loans are being worked on but i dont think so by the way other managers who answer the phone has explained to me.This is a horrible situation.

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