BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM XXXX, TRANSUNION, 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 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 {$1200.00}, {$880.00}, {$100.00}, {$0.00}. 
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 Lending 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 XXXX  XXXX, 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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$100.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 explanation
Consumer complaint received 2016-09-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The Public Record Information that the credit reporting agencies is reporting is inaccurate in its filing. The bankruptcy is dismissed by the Federal Court, a government agency. It is by the Federal Government that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization and I have a right to know who " verified ''. The agencies are holding my identity and credit under " Consumer Lock '' for 10 years, I want to know by what law? The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: WA
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 {$1200.00}, {$880.00}, {$100.00}, {$0.00}. 
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 Lending 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. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$100.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Security National Automotive Acceptance
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX 2014 I was in XXXX and was notified that I was to be XXXX. Knowing this I knew that I would no longer be able to pay for the car loan I had. I then called SNAAC to have the car voluntarily repossessed. They got the car a week later and that 's when I started to receive calls to restart my allotment to pay for the car. They told me that if I did not pay my debt that they would then call my commander due to being in violation of UCMJ for not paying my debts. I did not know what they did was illegal until I came across your article.

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 2016-06-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have written a certified letter to Equifax. I included my birth certificate, a copy of my social security card and current driver 's license with home address and birthdate. 
I informed Equifax that I am not XXXX XXXX XXXX. I was born without a middle initial. 
No matter, Equifax sent a letter dated XX/XX/2016 claiming the info does not match their records. I 'm exhausted. I tried to resolve this matter and send the documentation to confirm. I 'm exasperated that it appears the attachments are being disregarded. I would appreciate assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX/XXXX/2015, I submitted a complaint against XXXX XXXX XXXX XXXX Case # XXXX XXXX. The case was opened due to an open case with the landlord. At this time I am in appeal process and no judgment has been filed on the case. There was a hearing on XXXX/XXXX/2015 but was reset for XXXX/XXXX/2015. Per court documentation a XXXX Oath was filed on XXXX/XXXX/2015. At this time I have not been evicted, and I am currently still in the rental property. I have submitted attachments of the Notice of Appeal, as well as XXXX Order of Trial documents for XXXX dates. Each document has been stamped by the XXXX XXXX XXXX Office. Until this case has been resolved in front of the judge, the landlord can not place this information on my credit report. Please refer to Case # XXXX for documentation submitted to Consumer Financial Protection Bureau. I have also mailed proof of documentation to each credit bureau, as well as disputed online. 
Each negative reporting of the judgment that has not been granted to the landlord must be removed accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am waiting for my account to be credited the bonus I am supposed to receive for meeting new account requirements. I called to check on it and after holding for ten min and being transferred I was hung up on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I did sent a letter to Experian in indication of negative information on my Credit report, in which never responded back.

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 2015-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bank of America is reporting my old account as " late '' XXXX. This account was paid in full. They were reporting correctly and then erroneously changed my reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax lied to the CFPB earlier this month in claiming to have provided a copy of my credit report to me ( see CFPB Case number : XXXX ). 

Specifically, in response to the above referenced CFPB complaint, Equifax claimed that it sent me a copy of my credit report on XXXX XXXX, 2015. 

I have not received a copy of my Equifax credit report as of today, XXXX XXXX, 2015. Mail from XXXX takes 2-3 days to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: TX
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:
Ive submitted several disputes in the past via mail, phone call, and online if available. The issue I was reporting is the balance of the creditor ( XXXX  ) should be reported into the Bankruptcy. This is the only account that is not showing in the bankruptcy that has a proof of claim of being included In the bankruptcy. Ive called the creditor ( XXXX  ) of the issue and provided me a number of their bankruptcy cases attorney. I explained the issue to them and they referred me back to the credit reporting agencies and the creditor. I have been bounced around several times without resolution. I have the documents the creditor ( XXXX  ) submitted for proof of claim in the bankruptcy. The results keep coming back as verified when : # 1 the account is closed and referred to their bankruptcy attorney # 2 Keep incrementing payments when proof of claim is in Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello : I am writing this letter because there is a big mistake on my credit report. I am specifically asking for a legal debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA for the following account : XXXX {$1500.00} CollectionsThe collection company has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item and prevent them from re-inserting this item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to a speedy resolution of this matter. 

XXXX XXXXSSN : XXXXDOB : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am unable to get direct deposits to my bank. Per a previous complaint, I was told this was not an option due to Oklahoma 's rules. Reviewing Oklahoma 's information, only One-Time Transfers have been suspended ( See attached from XXXX XXXX XXXX XXXX XXXX ). I was also informed I would get a follow-up email regarding the fees I was charged for calling in 'too often ', but have not received any follow up. Further, since starting to use my card, the only option given to me, the card has now been restricted by the fraud department. A letter was sent to me informing they claim to have called. I never received a voicemail, email or SMS informing me there was an issue, all my prefered ways of contact, which were options to fill out on their website. The letter contained a phone number to call. The number appeared to be a direct line and was different than the standard number. I was not given any options to select from to direct me, a welcome change, but put directly on hold for a representative. After waiting 30 minutes, I was told that department could not help me and they needed to transfer me to Level2. What is the use of a direct line bypassing options, if it is going to waste my time on hold and a reps time, who clearly is very busy, to deal with a call you know they can not help with. Waiting another 2 hrs, I reached a representative, who told me I needed to send a photo copy of my ID to an email address, something that could have been included in the letter mailed to my address. I followed the process and received an email today saying it was approved and to all the number on the back of my card. I called in and the representative was unsure why I was calling. After checking my account, they said everything was good and no further action was needed. A short time later, I tried to log into my account a received a message the account was locked due to possible fraud and I needed to call in. I tried using the card and the transaction was rejected. I called back in and another representative said it is clearly showing still as locked, but notes on my account show it was approved and it should no longer be locked. I now have to speak to fraud regarding the issue. I am now going on 24 calls for a total of 8 hrs, 30 mins and 7 seconds on the phone with this company trying to resolve issues, not including the call I have been holding on for over 50 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Equifax currently has my name and address listed on my account in various ways and it is severely negatively impacting my credit worthiness. I have requested on several occasions for this to be corrected. Via sending in my current license, and my marriage license. And the corrections still have not taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Residential Credit Solutions, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is not directed specifically at Residential Credit Solutions ( RCS ), XXXX XXXX, Texas, rather the regulations as outlined in RESPA and the spirit behind the mortgage transfer rules. 

My loan has been transferred to XXXX. RCS sent a letter dated XX/XX/XXXX. The letter arrived at my residence on XX/XX/XXXX. The transfer to XXXX was effective on XX/XX/XXXX. The notification by RCS of my transfer arrived just 9 calendar days ( not work days ) before the transfer. 

In the response that I received from RCS, they claimed that the letter was mailed on XX/XX/XXXX and that they are not accountable for transit time via the U.S. Postal Service. 

Unfortunately, RCS sends their letters presorted, so there is no/no postmark that is recognizable to me. It is incredulous to think that a letter required XXXX calendar days to reach my home. By way of example, I received a letter from RCS on XX/XX/XXXX that was dated XX/XX/XXXX. That took only six ( 6 ) calendar days. 

The spirit behind RESPA is to ensure fair and reasonable treatment by mortgage servicing companies. Receipt of notification that my mortgage would transfer to another company XXXX calendar days before the transfer is unsatisfactory. 

As a consumer, a minimum notification of 30 calendar days in advance ( letter in hand ), seems reasonable and fair. If this requires a mortgage servicing company to send the letter 45 days in advance ( 15 days transit time ), then that should be the rule. 

By the way, this is the XXXX mortgage servicing company that I have had since the mortgage was originated in XX/XX/XXXX/XX/XX/XXXX. Hard to believe that In 3.5 years, I 've had XXXX different companies. It took months to resolve issues with RCS and I suspect the same with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i appliled for a credit card 6 weeks ago to start building up credit never got the card called my bank and they said they never sent out a accpiltion for me to sighn up for one they said it sounds like fraud it apread it was from my bank but it wasnt

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 2015-12-17
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I took a job XXXX in XXXX 2015 and put our house XXXX on the market. Within a few months, our realtor made it clear that we needed to lower the asking price of the house to a point below what we owed on the mortgage, if we were going to be able to attract potential buyers. Beginning XXXX we lowered the asking price by {$10000.00} per month. By XXXX, we were asking less than the amount we owed US Bank on our mortgage. In XXXX we filed the short sale paperwork with our mortgage bank and alerted our realtor we were in short sale territory. By late XXXX or XXXX, we were responding to an endless stream of requests for all kinds of financial information from US Bank to ensure our short sale application was complete. Week after week additional requests followed. We sent whatever documents were requested and many were requested over and over, or became out of date over the course of each subsequent month. There was never a time when US Bank offered to review our request for short sale, only requests for additional documents, XXXX at a time, and always a week or two apart. Even when the file should have been complete, US Bank came up with additional and new requests. We received a written offer XXXX XXXX, with a 30 day time limit on it. We forwarded this to US Bank for our file as soon as we had it. This was met with more requests for information we had already sent. We asked for help from our realtor 's attorney as the requests seemed excessive and just seemed like the bank was delaying making a decision. We have been paying our mortgage this entire time. We still have not had our file reviewed and fear the party making the only offer we have received, may walk away due to the delays. As of XXXX XXXX we stopped paying the monthly mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation