BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I uploaded and mailed an Identity Theft report along with a personal handwritten letter pertaining to my complaint pursuant 15 USC 1681 C-2 ( Identity Theft/ Block ) with all required prerequisites for blocking. XXXX claims they did not receive an upload even though the system upload was successful. Several accounts were listed as fraud and XXXX addresses as well as XXXX different social security numbers. This is nothing more than a refusal to comply and a stall tactic. Therefore, I am requesting all accounts identified as fraud related be blocked immediately according to federal law. Trans Union rejected the process to initiate a claim with documentation being received. They stated the information was not sent by me, even with personal handwritten letters. XXXX has extorted all documentation that was included with my packet, including my personal identification such as Social Security Card and Drivers License.

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 2023-11-27
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was approved for discharge both from the group discharge from Pres. Biden and Sweet v. Cardona but has not received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have been trying to reach our mortgage company, NewRez since XX/XX/2023. The one time I was able to get them on the phone, the system was down and they advised that they would call back. I have yet to receive a returned call. Our mortgage recently increased due to insurance rates- so we found a new insurance company. The new insurance company is drastically lower, I confirmed with the insurance department at XXXX on XX/XX/2023 that the new policy information has been received and is on file. 

I asked the insurance department what the next step is to reduce the payment as the insurance premium was significantly lower, I was advised to speak with customer service. 

I was on the phone with customer service for almost an 35 minutes- they have disputed that my insurance documents have been received and tried to transfer my call back to the insurance department- I then requested to be transferred to a supervisor and was told " they would call back ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off the full balance of my ( Bank of America ) credit card ending in XXXX. I requested all cash back dollars to be paid out in XXXX of XXXX. I requested that the account be fully closed in approx. XXXX of XXXX via phone. The account was REMOVED from the online banking AND app banking systems. Statements were NO LONGER BEING PRODUCED. To my knowledge, the account was closed successfully. The absence of this account on ANY records, support that they began the process of closing the account, but did not report it in a timely manner to credit bureaus. 

In XXXX of XXXX, I was notified that they were closing my account : which was supposed to have been closed several months prior. I relayed this to multiple representatives, none of whom were able to assist in any notable capacity. 

BofA is refusing to correct their tardy credit reporting. They are refusing to audit the account history. They are refusing to supply documents to me to review personally. 

After attempting to resolve issue in XXXX of XXXX, I did not receive any new emails or letters about this account ending in XXXX. Now after months have passed, they are YET AGAIN showing this account as active in email messages : this demonstrates their inability to properly monitor and document the status of this account. ( see attachment )

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX literally ignored my ftc report proving these items were fraudulent added onto my account they literally told me the next day it was verified when I literally have proven and provided proof of fraudulent activity and they still leave things on my credit report i should sue these bureas with are well within my rights this is not a investigation they totally disregard my ftc report and leave everything as verified when its clearly fraudulent please remove

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-09-26
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I bought from XXXX an auto starter, charger was for starter and core return. I return starter and was only given credit for core return. I did a dispute, which they did nothing, and never even sent me a letter closing it, just recharged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital one is still trying to collect a debt even after it was removed from credit report police report was submitted and it was removed now they replaced it on report again this is not my debit and need to be removed permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: NJ
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 XXXX ran my credit without my permission i ask them to only run one bank and they ran my credit to various banks which has left me with multiple banks running my credit without my permission. My Identity has been comprised in which someone has been trying to take various lines of credit in my name. 

" XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX  XXXX ( XX/XX/2022 ) XXXX XXXX XXXXXXXX " XXXX XXXX XX/XX/2022 ) XXXX XXXX  ( XX/XX/2022 ) XXXX XXXX XXXX  ( XXXX XXXX '' " XXXX XXXX ( XXXX XXXX ) XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) '' " XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) '' " XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX '' ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-10-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Midwest Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company Midwest credit & Collection has engaged in abusive, deceptive, and unfair practices that are prohibited by the FDCPA. They've reported accounts without my agreement or signing of any related agreement. A legal contract necessitates the consent of both parties, which I did not provide. Additionally, they did not follow the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and their actions clearly infringed upon my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In approximately XXXX I moved to XXXX XXXX  from XXXX. I started bank accounts with Chase Bank in XXXX, NY. A safe deposit box was given to us. I stated at the time that I did not want it, nor did I need it. The Chase employee said not to worry that it was free and I didn't have to use it. In XXXX we moved from XXXX XXXX to XXXX. We made arrangements to move accounts and met with the bank to close the safe deposit box. In XXXX we moved back to Michigan and then in XXXX, Chase sends us a notice that we still have the safe deposit box and that they will no longer be free and we will be charged {$90.00} a year rental. My wife called to dispute this and was told the box was never closed and that they never received the keys. Chase also stated that we have to be there in person to close the box, there is no other way. We have been trying to close this in every way possible an simply think that it is unfair to start charging for a safe deposit box and give me no other way to close it than to travel XXXX plus miles each way to close this in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my updates, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX  XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
After being declined for rate adjustments due to job loss, I was shocked to see online that this same Bank of America put my account on escrow for my XXXX payment. Imagine my shock to see a payment due of XXXX XXXX! Delving in to the statement details, I noticed the escrow amount added. Funds I do not have in my checking account to be debited. 

Spent over XXXX hours total on phone with Bank of America today. First call, I was told escrow was added due to taxes being late. Excuse me, second half property taxes ARE NOT DUE UNTIL XX/XX/XXXX in XXXX XXXX. I was going to pay that on credit card. I received no notification, no special letter, no escrow analysis, nothing. Second call I made to escrow department ( after being transferred several times ), was told to check my online account, which I did on the phone with agent. Voila, no notification sent at all. If part of the loan mod, someone should add this to the documentation sent to me. And why this was not done the first time I applied for a loan mod XXXX  months ago? Can't have it both way.s This is a breach of my original loan agreement. I am agreeing, and still paying my adjustable rate mortgage which tripled this year and increased another {$500.00} XX/XX/XXXX, following the rules, being the long time good client I've always been, and I get pinged with escrow? I never have had escrow my entire adult life, nor was this part of the loan mod. Is the bank trying to get me to abandon my home? 

I am not attaching the statement of XXXX. XXXX with the escrow line item due to privacy on my loan number.

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 2023-11-28
Company: CIG FINANCIAL LLC
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Cig Financial reported late payments on my consumer report without consent or notice. 

Cig financial is in voilation of 15 U.S Code 1638 a Also in violation of 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Affirm Holdings, Inc
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Affirm has been reporting my accounts as late even though they are paid in FULL! I will attach copies of my loans that state they are paid in full! I keep emailing them with no response!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your immediate attention a pressing issue regarding the inclusion of charge-off accounts on my credit report, despite multiple attempts to rectify the situation. I am seeking your urgent assistance to expedite the removal of these accounts and restore the accuracy of my credit history without further delay. 

Despite submitting disputes, the charge-off accounts on my credit report persist. This situation is causing undue stress and negatively impacting my creditworthiness, which is of utmost importance to me. 

I have attached supporting documentation, including previous dispute submissions and any pertinent evidence, to facilitate a swift resolution. 

Recognizing the significance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I am requesting your immediate intervention to expedite the removal of these charge-off accounts. 

Considering the multiple unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process. 

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure the swift removal of these charge-off accounts from my credit report. 

Timely resolution is crucial, as it directly impacts my ability to make informed financial decisions. I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$8700.00}.

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 explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-28
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Twice in the last year, Wells Fargo has accepted my deposit, allowed me to spend my money with no warning that 6 days later they would freeze my paycheck deposit for 2 weeks. Most recent example is Deposit XXXX XXXX, XXXX. Was informed XX/XX/XXXXXXXX  that they won't release my funds till XX/XX/XXXXXXXX XXXX 
I contend that they are stealing this money from me in an effort to get my financial situation really bad so they can charge overdraft fees. This is completely unacceptable. My check is the same every single week and has never bounced. This needs to change they have no right to keep my money.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, has violated my rights. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief