BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card
Issue: Balance transfer

Complaint:
I called Bank of America to get a ( a new ) credit card promotion. I have an account with them now. I wanted to lower my interest rate and my minimum payment that is going up on XXXX 2016. I wanted to transfer the present credit card balance to a 0 interest rate. I was told I could n't to that because they will not transfer an existing Bank of America credit card account I also was told of my new minimum payment which would be more than I could afford.I told the lady that she did n't give me a resolution! I am very upset with Bank of America. As soon as I can I will close this account. Is there anything that you can do to help 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 2016-10-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
On moneygram web site estimate for international money transfer fee showed {$18.00} but when the actual transaction took place it was {$32.00}. When asked why such a big difference in fees no answer was given except " an estimate is an estimate ''. When an actual fee turns out to be more than XXXX % of the estimate then it is no longer an estimate but a wild guess.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I attempted to make payment arrangements with this company and they refused stating if I didn't pay the entirety of the debt owed today it would go on my credit report and they would refuse to take it off. I explained I had lost my job due to covid19. They asked if I understood what this would do to my credit. They said they were flagging my account and proceeding. I said I didn't even know what that meant, asked for an explanation. XXXX told me that he wasn't going to explain it to me so I could decide whether or not the debt was important enough to pay. I reiterated I wanted to pay, but I needed payment arrangements. He said it was done, the account was flagged.

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 2015-07-09
Company: IQOR US INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This number XXXX calls several times a day, tell me the call is being recorded and that I owe money for a parking ticket. I tell them I do n't owe anything and will not pay and to stop calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
JP Morgan Chase filed a foreclosure action case number XXXX, they would not allow a modification or honor the consent agreement. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth-less.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I never lived at XXXX XXXX XXXX XXXX New Hampshire, that was my daughters old address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: ALLY FINANCIAL INC.
State: GA
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:
On XX/XX/2021 I have viewed my XXXX credit report and notice that there is an unauthorized inquire place in my file. This company has put a hard pull inquire on my XXXX. I have sent them letters explaining to them that I have not given any such authorization or signed any documents allowing ALLY LENDING to RUN my credit. I have asked them in Both letter to provide me with A copy of the loan application with WET Signature. If they cant provide me with the information I requested, I ask that they remove this inquire from my XXXX Report. They have failed to provide this information and using stall tactics. This inquire still remain on m report.

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 2020-04-14
Company: Experian Information Solutions Inc.
State: SC
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 credit reporting agency has not and continues to not physically validate or verify inaccurate items on my report that I have disputed. It is to my belief that an agent is using the E-Oscar system to scan my disputes through and simply validate or verify as accurate instead of doing an investigation and getting contracted documents for support. I have yet to have an original signed contract, or any physical signed documents for that matter, sent to me showing how theyve verified it as accurate. In my disputes Ive requested such documentation, and have I seen any? No. Please help, thank you so much!

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 2015-10-06
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I still waiting for a responses. The bank still sent me the same email indicating the same, that they are going to investigate, and for how long they need to investigate since I open this case in the bank on XXXX XXXX, 2015, and do n't have any responses. Please help me and stop this abuse. 

Sincerely, XXXX XXXX from my iPhoneOn XXXX XXXX, 2015, at XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

View the details of your complaint and the company 's response so far at : XXXX will let you know as soon as we receive an update about your complaint. 




Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: M&T BANK CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX - Initiated Short Sale with XXXX XXXX. XX/XX/XXXX - Spoke with XXXX to winterize the property. XX/XX/XXXX - Spoke with XXXX, short sale packet received & house confirmed as winterized. XX/XX/XXXX - Attempted to call XXXX XXXX, not at desk. XX/XX/XXXX - Received email from : XXXX XX/XX/XXXX - Offer received by bank and in review phase. XX/XX/XXXX - Spoke with XXXX, escalation clause submitted. Checked to see if house was winterized b/c recent showing by local agent said she noticed condensation on the windows. XX/XX/XXXX - Spoke w/XXXX. Appraisal done yesterday. 2nd mortgage on file that must be cleared. Negotiator : XXXX XXXX ( not helpful ). XX/XX/XXXX - Spoke w/XXXX.Lien is no problem.Offer still in " review. '' XX/XX/XXXX - Spoke w/XXXX.Property not winterized! First time I or the borrower was informed that it was the borrower 's responsibility to do so.Most short sales, the bank maintains the property. Short sale denied, home not in salable condition.It was when the offer went in.Moved to foreclosure status.Submitted all paper work a XXXX time, offer not accepted, no counter.Bank wanted home listed at {$97000.00} appraised value, when it was there was no interest.Price point it is now, there is a lot of interest.Moved to foreclosure status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
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 never consented to authorize nor benefited from the following Accounts and Inquires, Block and delete them. If i have received goods and services from the furnished Accounts and Inquires, Let Transunion have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.

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 2020-04-14
Company: EQUIFAX, INC.
State: KY
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 have 2 federal student loans totaling a little more than 5000.00. My loans have been in deferment but they are reporting 10 late payments on each. Last year I refilled out the paperwork and sent it in and it was not processed. As soon as I noticed i immediately called and emailed and they fixed the problem but yet they are still reporting I paid it late. I did not. This was an error. It was just an accident and while I am not upset the accident happened, it is unfair to bring my credit score down by almost 100 points over payments that were not late. Im a single parent and XXXX XXXX XXXX. I am having a horrible time finding loans to get me through because of these reported late payments. I was not late ... I filled out the paperwork on time. It is not my fault it was not processed correctly. I am begging you to please take off these late payments. Everything else I have has always been paid on time but these reported late payments are ruing everything for me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have 2 federal student loans totaling a little more than 5000.00. My loans have been in deferment but they are reporting 10 late payments on each. Last year I refilled out the paperwork and sent it in and it was not processed. As soon as I noticed i immediately called and emailed and they fixed the problem but yet they are still reporting I paid it late. I did not. This was an error. It was just an accident and while I am not upset the accident happened, it is unfair to bring my credit score down by almost 100 points over payments that were not late. Im a single parent and micro business owner. I am having a horrible time finding loans to get me through because of these reported late payments. I was not late ... I filled out the paperwork on time. It is not my fault it was not processed correctly. I am begging you to please take off these late payments. Everything else I have has always been paid on time but these reported late payments are ruing everything for 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 2016-11-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX I called Experian to request a persistent Dispute remark to be removed from my credit report. Ive called numerous times and keep getting the run around. Ive requested to speak to a manager and have been denied the right to speak to one. They have basically told me to go pound dirt. Ive had to call XXXX and XXXX to have the persistent dispute notations removed and they were kind enough to remove the persistent dispute notations the same day. Im trying to get a mortgage and currently going through under writing. The under writer cant write a loan with persistent dispute notations. I feel Experian is holding my credit report hostage to a Persistent dispute notation, that I have requested be removed. IM reaching out for help because I keep getting the run a round from Experian. All Im asking is for the persistent dispute remark be removed. I have an expected closing date XXXX which leave me 11 days to close and Experian refuses to remove the persistent dispute notation. Pl help if not I will lose my escrow money. Please please.

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 2021-12-23
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, am submitting this complaint for myself and there is no third party involved. XXXX is reporting adverse information on my consumer report which they are not allowed to do so. They have no permissible purpose to report any information on my consumer report. XXXX stated that they are not a debt collector even though they attempted to collect a debt, and there is also no finance charge in this consumer credit transaction. Therefore, I am not required by law to pay on this alleged obligation. XXXX has also failed to provide all of the Information required by federal law to validate such debt that I had requested on XXXX XXXX, 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. I did not authorize the credit inquiry. 

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

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 2023-01-02
Company: Experian Information Solutions Inc.
State: NC
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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. I did not authorize the credit inquiry. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm in URGENT need of help, I disputed two inaccurate remarks on my personal credit file and now I am unable to get a score and my good accounts are gone. This is not right and I need HELP ASAP The good positive accounts that were removed were closed history XXXX   XXXX XXXX XXXX  XXXX   XXXX These accounts are to report, why would they remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my Capital One account in full on XX/XX/XXXX and was told there would be no late fee by the representative just before flying internationally to XXXX. I have been flying internationally for work the last few months and have not been home, much. When I did arrive home I found a letter from Capital One dated mid XXXX and it said my Frqud case had been resolved and no balance on my account was supplied with this letter. 

So, I took that as there is no balance on the account and everything is fine. Now, by email I am told there is a balance of {$55.00}. I am finding my account balance by cellular access, as Capital One website will not open for me in XXXX. See attached photo for proof that Capital One website is not working. My account has also been closed by Capital One and I am wondering if they are preventing me from accessing my account to finally close it, completely!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have contacted Equifax multiple times regards to incorrect or paid accounts. I have submitted supporting documents to these accounts and still have not been able to have them disputed. I believe this investigation results are going against my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Google Compare Credit Cards Inc.
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, I transferred {$400.00} from my personal checking account ( XXXX ) to Google Wallet. The transaction ID is XXXX. Google Wallet is an app which is paired with a Google Wallet Mastercard. Its like XXXX except XXXX works as advertised. According to media reports, most of the funds GW holds on behalf of its account holders is held in FDIC insured accounts, but the GW TOC claims that GW is not FDIC insured. Several operators told me GW is not bound by FDIC regs. 

I transferred the money because the UI explicitly and unequivocally stated that the funds would be available in seconds. It stated " Money will be available in a few seconds '' " It may take a few days for your bank account to be debited ''. 

I immediately received an email that the funds would not be available in GW until XX/XX/XXXX. I immediately called GW customer service. The operator stated that this was a recurring problem. She cancelled the transaction, then warned that the money would still be taken out of the account, but that my bank could stop that from happening. She, and several other operators stated that this could not be stopped by GW once initiated. 

I called my bank and was told that stopping such a transaction was simply impossible. The problem is not with my bank. They always do everything right. The money was transferred from my account the next day ( XX/XX/XXXX ). It is now XX/XX/XXXX. I spoke with my bank and a GW manager and XXXX GW operators today. The transfer from XX/XX/XXXX is the only relevant transaction they can see. The transaction appears as failed in the GW dashboard, so my balance there is {$0.00}. The GW operator told me the money " should be '' in my XXXX account. My money is reflected nowhere. I am told it will reappear in a few days. I believe it will. The problem is the button said that the funds would be available in seconds, not weeks. Another problem is that the {$400.00} is not reflected anywhere in the observable universe. If a bank ( or even a small time payday lender ) did this, the FDIC would kick the doors off the hinges and have the place in receivership in an hour. They would be cuffing people. This same dilemma almost certainly recurring XXXX of times a day. I just checked and the UI is still promising " money will be available in a few minutes ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: HEAD MERCANTILE CO., INC.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
HMC, XXXX XXXX Attorney with HMC and XXXX XXXX XXXX from HMC XXXX treated me very unfailry, XXXX XXXX recorded our converstaion incorrectly with false statements leading up to them issuing a garnishment for my wages.

Company response to consumer: Closed with explanation