BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was discriminated against and forced to close my credit card because I didn't want to give an email address.I never had a problem until I tried to check my online account and couldn't get to the page for account details. I called customer service on XX/XX/20 and was told I had to enter an email address or I couldn't check my account. The service rep told me to clear my browser and all kinds of stuff I never had to do before then told me that I couldn't check my information if I didn't give the email address. THIS IS DISCRIMINATION! I was never told I had to have an email address to open the account. I want to files any and all charges possible for this injustice. Do not want to give email address to you people either. I have a phone number you can call and leave a message.

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 2020-08-19
Company: EQUIFAX, INC.
State: NV
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:
I have contacted Equifax regarding obsolete accounts on my credit report. This is information that should have been deleted pursuant to the FCRA. Equifax has refused to delete this derogatory information, in contradistinction both XXXX and XXXX have remedied this information and have done so promptly. 

I have also informed Equifax of a fraudulent account on my credit report, and again, they have refused to take any action, investigate, or otherwise comply with their obligations under the law. 

Equifax is in violation of the FCRA, and instead of investigating this issue as they should they responded with a boilerplate response claiming they could not locate my credit file, despite me including copies of my FL Drivers License and US Passport. 

Equifax is simply refusing to take the appropriate action that they must pursuant o applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: TN
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:
XX/XX/2020 I contacted XXXX  and on XX/XX/2020 I contacted Experian to dispute a collection on my account. The company is XXXX XXXX XXXX. They notified me of a hospital bill I owed with XXXX XXXX XXXX on XX/XX/2020. I thought the bill was paid by insurance and that I met my deductible but it was not. By the time I verified the debt it was toward the end of XX/XX/2020. The company contacted me and I told them I intended to pay the debt and the next day I made the first payment. I made the final payment on XX/XX/2020. I understood that the XXXX XXXX XXXX  XXXX ( XXXX ) prohibits adding medical debt to credit reports until after 180 days from the time the account was reported to the credit reporting agency. It also mandates the removal of previously reported medical collections that have been or are being paid by insurance. It is a medical bill and I am unsure why XXXX  did not wait 180 days before posting it to my account. If they were notified at the same time I was about the unpaid medical bill, it shouldn't have been placed on my account until after XX/XX/2020 which by that time it was 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 non-monetary relief
Consumer complaint received 2016-09-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-25
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am the co signer on this loan. My daughter applied for this loan over 8years ago. We were told that as long as she paid this loan with problems for two years that she could assume this responsibility on her. After her graduation with her masters she had tried to consolidate her loans and wanted to include this with it. They told her she could not consolidate this into it nor could she drop her co signer. This was the lie that was told to us. Since then she has maintain good credit and has bought a house etc. and have been a responsible person with her credit. I have tried several times to remove my name from this loan for XXXX. As a co signer they will not give me any information and they finally said they will not let my daughter XXXX XXXX go out on her own. Please advise us as to how I can get my name removed from this debt. Or why and how can she consolidate this into her other student loan debt. Thank you, XXXX ( School is XXXX XXXX XXXX ) in XXXX NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Please do n't call me regarding this complaint. I want a written explanation for the following question for legal purpose. I am not expecting any promotion from BOAHere is the question******* Beginning of question *********Why BOA did n't inform/disclose me that I am not eligible for promotion before I open my account and why they did n't open the right account knowing my intention is to get the promotion? 
XXXX End of question **************They tricked me to open an account and later told me I am not eligible for promotion. 

XXXX XXXX XXXX BOA XXXX or XXXX XXXX please do n't contact me instead answer my question in writing and please do n't talk about promotion eligibility as you have already explained that many times. I am not looking for any promotion. 
Our BOA Business Checking account # is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-08-05
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I were trying to get a mortgage loan XX/XX/2020 through Loan Depot lending. We were told that my husband qualified for a FHA loan due to his credit score of XXXX. My score was a XXXX but I didn't qualify because I had late payments within a 12mo. Period. We were told to find a house pay {$500.00} Earnest pay, {$420.00} inspection fee and {$220.00} Appraisal fees. We did all that and when it was time to close we were told that the closing cost would be {$6000.00}. We saved the money and a couple of days before closing we needed to show proof of two times that amount BEFORE they could submit the application to the underwriters. We are now out of all this money and was told we can't be refunded due to the fact that we canceled our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One closed my account as requested, however the fraudulent charge is still on my account. Because I can't afford to ruin my credit, I've gone ahead and made a payment. Why couldn't Cap One freeze this while they see that the charge is fraud? I just paid {$1700.00} in one month, and was so glad to have a free credit card. Now I do not, and am forced to make a payment? How can I press charges against this company?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE APPLIED FOR A LOAN MODIFICATION WITH WELLS FARGO. WELLS FARGO COMMITTED MANY ERRORS IN THE LOAN MODIFICATION PROCESS AND FORECLOSURE PROCEEDINGS WITH MILLIONS OF HOMEOWNERS. WELLS FARGO SETTLED WITH STATE & FEDERAL XXXX AND PROMISED TO CLEAN UP THEIR ACT. THE HORRORS CONTINUE. WELLS FARGO HAS DELIBERATELY INFLATED MY INCOME IN ORDER TO ISSUE A DECLINE AND TAKE MY PROPERTY IN FORECLOSURE. WELLS FARGO ISSUED A DECLINE LETTER AND BACK DATED IT TO XXXX XXXX, 2016 AND I RECEIVED IT XXXX. MY INCOME IS MY WAGES $ XXXX, XXXX XXXX {$720.00} + XXXX SOCIAL SECURITY {$830.00}. THIS TOTALS {$3000.00} PER MONTH. WELLS FARGO INFLATED THE INCOME TO {$4200.00}. THIS WAS AN ARBITRARY ACT & THE INCOME THEY FABRICATED IS WITHOUT SUPPORT

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 2016-09-10
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection is for XXXX bill on a house I sold in XXXX, 2016. The bill was not received until XX/XX/XXXX because of mail forwarding and was paid via XXXX XXXX bill pay and the check was cashed on XXXX XXXX, 2016. This was well before Aargon Collection Agency posted the collection to the credit bureaus. Even after I called and spoke to them and sent them the proof of payment, they posted the new collection account for the credit bureaus. They promised to remove this from my credit report, but that has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an account with USAA bank and had a previous additional account holder. The additional account holder was removed ( or should have been removed from my account over a year ago. On XX/XX/2020 I was alerted that my account balance had been totally taken to XXXX. After contacting the bank I was told there had been two transactions made by the previous account holder transferring all funds in my account to a account he had just opened. I immediately told the representative this was unauthorized and to return my funds. I was told he was never removed from my account so there was nothing I could do about it. I asked to speak a supervisor and was given a lead. The lead repeated the same thing as the representative and I again requested a supervisor. A supervisor contacted me the next morning XX/XX/2020 stating that USAA made a mistake they located all the documentation ( it was misfiled ) to remove the previous account holder and my funds would be returned. A week later I still had not received my funds back so I called back and was told that it was determined that there was no fraud and the case was closed with the previous account hold still on the account. After speaking to several people they apologized again removed him changed the address back to the correct address and sent it back to the fraud department to review and return my money to my account. I just received a, letter dated XX/XX/2020 stating once again that after review they determined the there was no fraud. I have no idea how anyone can come to the conclusion that there was no fraud committed when this person was supposed to be removed from my account a year ago and was allowed to transfer over {$3500.00} from my account without my knowledge. I have filed numerous claims stating this transaction was unauthorized and am willing t file a police report if needed. The bank has admitted fault more than once but yet I an still fighting to get my money back because of their mistake.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I filled a claim with USAA about a fraudulent charge and give them a signed letter from the company that stated one of their employee 's fraudulently used my information and USAA says to bad! I have also tried to get in touch with XXXX XXXX who USAA stated in their response from previous claim that he would be happy to assist me ... I have tried to call USAA, chat with USAA in order to obtain his contact information and they can't seem to find him or I get hung up on!! I tried to close this account and was told I could not!!!!! I want to file an appeal and and XXXX XXXX to contact me ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Our house had damage by water leaking from the toilet on the second floor. We requested for help from the XXXX XXXX XXXX XXXX. They assigned XXXX XXXX services to do the repairing. XXXX XXXX technician came to our house once. and left right after 5 minutes. He did not do or say anything to us. We thought that he might need more equipment to finish, but no, he had never come back. We had to contact the XXXX XXXX XXXX XXXX again. Ofcourse, several time contacting, The insurance company found out the reason from XXXX and request us to having the Asbestos test for that damage which was required by law. That Asbestos was not absolutely not covered by The home warranty ins. We had to request XXXX- our home involved. XXXX XXXX  had their carrier come to our house to dry the house, opened the walls from 1st floor to 2nd floor to do the asbestos test. The test was negative. I contacted XXXX again and again asking them to come back to our finish the job such as repair the toilet and put the wall back to normal. XXXX had never come back since then. We could not leave the toilet leaking and the wall opened forever, We had to pay for the different plumping service to finish the whole thing. However, XXXX kept sending us invoice {$75.00} copay, even they did not do anything. How could we pay for that bad service?. It is not fair at all to pay for a company as XXXX. Recently, we received a notice from A.R.M Solution Inc., a collector agency. Please help us to dispute this debt. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX car was in a total loss claim with XXXX the car was I was the the borrower my mother was the co borrower. On XX/XX/XXXX my mother passed away unexpectedly. Went to get the information to finish the claim couldnt because my name wasnt on the title registration or anything and she had no will ... which I had to pay for a lawyer to help me become the administrator XXXX XXXX and XXXX was aware of this, but all of a sudden they reported 2 missed payments which took 38 points away. Months later insurance company paid Nys gap paid and I never received a letter with the remaining balance I had called each week finally I paid the balance account is closed and paid and still is open and late on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Affirm Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account with Affirm was opened up fraudulently under my personal information due to myself being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to send a purchase agreement to get reviewed to have a foreclosure sale postponed. I called XXXX to reach the assigned customer assistance manager He was not in. I was transferred 4 times to different people who did not know where I should send documents or the process. I was even told to call the foreclosure attorney who stated they have to get instructions from Bank Of America and that Bank of America should not have told me to call them Then I called back and reached an office in N Carolina and went back and forth with a rep named XXXX for 92 minutes as he could not find anyone to answer the question Then he said all managers were in a meeting .This was at XXXX XXXX and he said I would get a call back. No one called

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: PLS GROUP, INC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i use a debit card from PLS check cashing. if i use credit, i am not charged a dee. if i use debit, wwhich they advise is used by entering your debit pin number, i am charged a fee. because i know this, i limit use of debit, and have merchants run it as credit. 

whaats happening now that ive noticed, is when i use XXXX/XXXX  for transportation, i get the charge for the ride, then, there is an increase of that charge. i called the bank, PLS, and reminded them the contract states by entering your pin number, you subject yourself to a pin debit charge, not by using credit. creddit is when u dont enter your pin number. i am not entering my pin number when using XXXX/XXXX  services, but they are charging me as if i am. once i caught this and told the bank, not only are they unwilling to credit me ALL those extra fees since im not entering my pin number, to maintain the expectations of the contract, but they are telling me to expect that when using XXXX/XXXX, no other company i am aware of so far. so they jusst changed the contract to me, and that ability to avoid debit fees by not entering your pin, applies everywhere except XXXX/XXXX, then i guess whoever else they decide at anytime? this doesnt seem as true, clear, concise or legitimate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit report that should no longer be on there. I settled this debt back in XXXX but the account is still reporting a balance to my credit. This needs to be removed as it is reporting inaccurately, I have already settled this.

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 2020-01-03
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit report that should no longer be on there. I settled this debt back in XXXX but the account is still reporting a balance to my credit. This needs to be removed as it is reporting inaccurately, I have already settled this.

Company response to consumer: Closed with explanation