BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Creditor which is XXXX XXXX notified me that they sent a notice to credit bureaus but they have yet to response or removed the account from my credit reports. They have been dropping my calls and have extended hold times and I can never talk to anyone about my issue.

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 2022-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
When I try to open another bank and they keep saying something about a check system It was sometime in XXXX I really dont know about the actions of it because they refused to tell 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 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
My credit score on XX/XX/2022 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
11 yrs ago. I purchased a house under XXXX XXXX bank. They offered me XXXX loan ( line of credit ). They did n't disclosed me the line of credit of 20 % loan is interest only locked in for 10 years. I had tried refince the loan several times but no avail. So I ended up paying interest only last 10 years by automatic withdraw from my bank Amount of XXXX of principle of XXXX. Since it was automatic withdraw from my account I was not able to pay additional lum sum pay toward my principle After 10 years the bank initiated me to offer refinance at 6.19 % 30years loan. My complaine is why I was not able to refince the loan during last 10 years and ended up paying half of the principle amount of loan and bank is now offering loan at the higher rate? 
Here is my calculations Principle loan : {$100000.00} Interest only last 10 years paid XXXX. 
Now 30 yrs loan At 6.19 % will End up paying {$230000.00} plus {$50000.00} already paid

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 2022-07-26
Company: Spring Oaks Capital, LLC
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 have sent Spring Oak Capital LLC a certified green receipt for 1006.34 Validation request letter, which that have signed and received on XX/XX/2022. I have not heard or received any thing in regard to my request. I have also called XXXX and advise them that per 1006.34 ( b ) ( 5 ), Spring Oak has not responded or followed the law that has been put in place for validation of debt. I am following the laws that have been put in place for debt collection and the credit reporting agencies to follow, which now debt collector or credit reporting agencies have been doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: AZ
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/2022 I paid my credit cards full balance of {$610.00}. I needed to pay this credit card off in order to close on the purchase of my home. 
XX/XX/2022 I received a letter from this credit card company stating I still owed this balance and stated I was late on payments and was charged late penalties. I went into the branch to ask for help and they advised me to call the number on the back of the card. 
When I did call they asked me to send them proof that the money was indeed taken from my account. I faxed them this information and I have yet to hear back from them. Every time I call they tell me I have to go into the branch to figure this out. They have me going back and forth and no one has helped. My credit is now being affected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Thaxton Investment Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have had on going issues with Southern Finance-XXXX. This account was paid in full by two payments sent. I paid {$950.00} by cashiers check in XXXX, XXXX and paid {$84.00} on XX/XX/XXXX. The total amount of {$1000.00} was paid to close the loan. I have filed several disputes with XXXX, XXXX and XXXX. The company has recently reported on or around XXXX in the name of XXXX Credit- XXXX reporting a charge off unpaid profit and loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Per XXXX XXXX our credit/owe is $ XXXX. This is for XXXX XXXX installment. We only owe $ XXXX not $ XXXX. We talked to XXXX XXXX on XX/XX/XXXX and explained to them that it's only $ XXXX and XXXX XXXX representative said she will call us back maybe that same day or later to give us update. We call again to check on them on XX/XX/XXXX and today XX/XX/XXXX but no call back. And it's already shown on our credit report .that makes our score went down. Please help. XXXX XXXX  are not calling us back anymore...

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 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX and XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXX/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 2022-08-17
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification from XXXX, XXXX, Equifax that collection from XXXX XXXX XXXX XXXXXXXX XXXX XXXX for the amount of {$140.00}. 
I have sent out a 609 letter which is a debt verification letter to the company and I have received no response in 60 days. Furthermore, the collection is showing as an open account on my credit, this is a direct violation of Fair Credit Reporting Act. 
I am therefore exercising my right under FCPA to XXXX, XXXX and Equifax to delete collection immediately or I will be suing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$8100.00}, {$5700.00}, {$7000.00}. 
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 XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -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 2016-12-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX added a mortgage on my credit report that belongs to my mom. I have provided the proof necessary to remove this off my credit and Equifax failed to read and correct the information. 
The mortgage was originally with XXXX, and XXXX confirmed my name was not on the mortgage, The attached documents clearly prove that my name was released from liability of this loan. Please have equifax remove this information from my credit report asap or i will file a claim to sue them. this is my 3rd request to equifax. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-01-24
Company: CITIBANK, N.A.
State: GA
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:
It appears that the Consumer impacting unethical incentives, misleading process, and incompetent processing by Citibank AND XXXX XXXX is resulting in considerable financial damage to me personally. 

My credit report shows a {$200.00} balance was charged off by XXXX XXXX AND Citibank. I was NEVER sent a physical charge card. I was NEVER sent ANY statement. 

I have carefully built over a 40 year credit history with no missed payment. This unethical and incompetent behavior by Citibank and XXXX XXXX is impacting me financially. 

The reporting shows I applied for {$200.00} credit during checkout process during XXXX as part of instant credit offering and it was not paid back. But, again, I NEVER received a charge card, not did I ever receive a statement from either XXXX XXXX or Citibank. 

My request is to remove this damaging information from my credit report. I offered to pay {$200.00} even if the checkout clerk opened an account in my name without my permission.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The Following Companies Pulled My Credit Report Without My Consent XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: LA
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:
XXXX received call at my work wanting to verify someones employment information. I asked who and she said my name, I said what, I have not applied for any loans. The lady name was XXXX and she sent me to fraud department. I immediately called credit agengys to put fraud alert on. Saturday XXXX still had inquires so I set up accounts with all 3 credit agencies and froze my credit. The thief has since tried to access my XXXX account online and it is no locked and no one there will help me. I have called everyday. These are companies that pulled my report and I have contacted each one and let them know it is fraud XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX ACCT # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. In legal filings the company, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has denied it is legally responsible for the acts or inactions as successor to XXXX XXXX XXXX 
2. In previous complaints the company responded for us to contact Bank of America as master servicer. When we did we were advised by XXXX XXXX Resolution Specialist, Regulatory Complaints, that the prior authorizations we provided XXXX  were sufficient for them to have provided a payoff letter and to submit one to him signed by borrower XXXX XXXX and Bank of America would release a payoff letter. It in fact never did. Now we are told to please contact XXXX XXXX XXXX who since XXXX  has refused to provide a payoff letter. The lawyer they now referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom we are in litigation with is XXXX and has lied to the courts and concealed her and her firm have received third party signed authorizations including the one sent to XXXX XXXX Resolution Specialist, Regulatory Complaints, but neither that firm nor the collection firm employed by Bank of AmericaXXXX XXXXXXXX XXXX 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 Illinois XXXX provided a payoff letter 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 2022-01-24
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am late with my XXXX payment on account with Syncrhony Bank and they have called day and night since XX/XX/XXXX, and they called me on Sunday this week, which is a violation. The payment was {$40.00} and now they want me to pay {$100.00}.

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 2017-06-19
Company: EQUIFAX, INC.
State: FL
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:
This complaint is an add-on to my  XXXX   XXXX  compla int re Equifax credit reporting agency because for the past 2 weeks I 've been unable to log into my cfpb a ccount and the password reset links sent to me are non-working.   Equifax is reporting personal information on my credit report that is incorrect and or outdated. Equifax does not need to report addresses that are more th an 7 years old. I h ave never had an address that included  XXXX   XXXX  Equifax is reporting various names for me that are not my name. It is reporting incorrect and/or long outdated employer info. I am retired. Equifax is including a partial social security number on my credit report which makes it that much easier for someone to steal my identity. It also reports my full middle name, which I do n't use on any of my accounts. The more unnecessary info that Equifax displays on my personal credit report, the easier Equifax makes it for identity thieves to use my identity to file fake tax returns, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$8100.00}, {$5700.00}, {$7000.00}. 
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 XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 2. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've reached out about this account multiple times and have yet to get the issue resolved. The credit bureaus are reporting inaccurate unverified info on my credit report that I want to be deleted immediately. Please see attached documentation

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 2022-01-24
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
( AD ASTRA RECOVERY ) at ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) has been sending me collection notices in the amount of ( {$140.00} ) the collection has been reported as past due balance. I due not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation