BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem getting your free annual credit report

Complaint:
On XXXX XXXX, 2017 I completed the TransUnion Disclosure Request Form, filling out each line request : Name, SSN, Current Address, Previous Address, Other Names Used, Date of Birth, Then under the Proof of Current Address I sent copies of : Driver 's License & current Utility Bill, Then under Proof of Social Security Number I sent a copy of : Social Security Card, Then under Proof of Date of Birth I sent a copy of : California Birth Certificate. I copied each of these for my records, sent the envelope Certified Mail Return Receipt Requested. On XXXX XXXX, 2017 I received a return letter with the following statement : Re : Proof of Address Unacceptable - Reason # 3 = One or more of the documents provided was not a qualifying document. I have re-evaluated all the copies of the documents that were submitted and all fulfill the requirements as requested. I feel that I feel that this Credit Reporting Agency is not providing me with my request for a free annual report due to the fact that the company is requiring to get a payment before the company will sent the report and is in violation 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 non-monetary relief
Consumer complaint received 2021-11-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/XXXX, Navy Federal took {$2000.00} from my checking account to pay off my credit card balance I had with them at the time with no permission. They took it upon themselves to pay themselves without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I tried to work out a loan modification. however, due to covid and being self employed, I was unable to make payments. 
THey just denied my forberance request due to me " previously being on the plan ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: TX
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 inquiry was made on credit report on XX/XX/2018. I have no knowledge of this credit inquiry

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 2019-12-06
Company: I.C. System, Inc.
State: MI
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 C System is reporting an account that does not belong to me of {$340.00} to XXXX  and XXXX, I have never had any accounts with this company and this is not my account. Stop reporting bad information.This is harming my credit!!

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 2021-11-13
Company: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My XXXX credit score is being decreased when I have collections removed or paid in full. This issue is causing me financial hardship and hindering my chances of owning a home. This collection was withdrawn out of my checking account and paid in full, the creditor is still reporting that I owe it. 
XXXX XXXX XXXX  # XXXX ( PAID IN FULL ) XXXX XX/XX/21 Original creditor : XXXX XXXX XXXX 
{$340.00} Date Description Amount Balance XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX Credit Card Payments Credit Card Payments - {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In  XXXX  and  XXXX  my social security number was use to file income tax and I also have over  XXXX  in quiry on my credit report which causes my credit score to drop drastically

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 2017-06-07
Company: Exeter Finance Corp.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a car loan from Exeterfinance company. I payoff my car loan at last Wednesday ( XXXX XXXX ) and I called and required Exeterfinance company to release my tittle ASAP. The customer service told me they already submit my reqeatment and I will be able to go to DMV to get my title around Friday ( XXXX XXXX ). Then I went to DMV on XXXX XXXX to get my title but I was told by DMV that I need to call Exeterfinance company to release my paperless title in order to process my title. I called Exeterfinance company at XXXX and I talk to the customer service representative XXXX tell her I need them to release the paperless title for me. She said her already submit my case I will be able to get a fax about the release paperless title in next few hours. Therefore I was waiting for the fax from XXXX to XXXX after that. But utill XXXX I still did not receive the fax then I called the Exeterfinance company again at XXXX this time the customer service told me usually the fax will takes 24hours to finish they are sorry for the incorrect information etc. I was very upset, disappointed and frustrated. That was my fourth call to require my title release after I payoff my loan and they keep lie to me. This is unbelievable, unprofessional, and incredible. But I have anything to do just keep waiting until today after 36hours they told me I will be able to get the fax about they release my title but I still did n't receive the fax. Therefore I had to call them again this XXXX. I called three times the first two time they were very rude they said because I 'm in California so I will not be able to be release my title until 10-15days.  Then I told them to listen all the phone calls I had make in the past days and they will know what representatives were telling me about the lien release and what did they promise me when I am going to get my lien releasing documents and I also told them I want to record the phone call in order to save evidences that to protect my rights. After I said I want to record the phone call the manager she hung up my phone call right the way. I was shock and sad. How can they treat the customer this way?
I 'm in California that I can get my title release even fast via the electronic system which was the DMV told me the Exeterfinance will be able to release the paperless title for me right the way. I just need my title back after I payoff my loan. How can they not willing to do it and keep lie to me? I hope someone from the Government can help me with this. I need to get my title back I 'm living in California state. I have the right to require my title back after I payoff my loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I currently disputed a XXXX XXXX XXXX docket # XXXX with all credit bureaus and they stated that the court provided them with inaccurate information see attached file

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 2021-04-20
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed with all XXXX  bureaus as to whether this debt is actually mine. I have attempted to contact XXXX and they are unable to produce any billing statements or invoices. CA continues to report to CRAs with this debt and there has been no evidence produced that proves this debt belongs to me. All XXXX credit bureaus are unable to produce any documentation that verifies this debt is mine nor when it was originated or when it went past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I had a XXXX XXXX XXXX card that was opened XX/XX/XXXX. I never made a single payment towards the card and after months of nonpayment the card was closed. It was then sold to collections and Portfolio Recovery picked it up. They harassed myself and other family members about the debt until the debt continued to grow so old that it became less and less. XXXX continues to report that the DoFD is anywhere from XXXX to XXXX depending on each report. I have requested full validation under Texas Finance Code Section 392.202 with zero response. I have disputed with all three credit bureaus multiple times and each time the debt comes back validated. It is now past the XXXX year mark when this debt should fall off and no longer be reported and yet I can not get it removed. I have requested statements from XXXX with very little luck since the account is so old. The XXXX is unable to find the account in their system and the one time they were able to they directed me to XXXX since it had been sold. I either want this debt validated with proof that even XXXX payment was made as they are claiming or I want it removed and I have had zero help from the CRAs with having this line removed from their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Experian Information Solutions Inc.
State: TX
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:
I have received several recent inquiries on my credit profile that I did not initiate. The credit reporting agencies did not protect my file by instructing the companies that i must be notified first before viewing my credit.    XXXX  Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of request  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   Date of request  XXXX / XXXX / XXXX   XXXX   XXXX  Date of 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

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 2021-11-13
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HP Sears is claiming that I owe them {$1800.00}. i refuse to pay the debt and I asked them to validate the debt via several letters but have not received a response AT ALL! Each letter was sent certified mail and was tracked and confirmed delivery at their address. I asked for an original wet ink signature, the contract between me and HP Sears stating that we were in business and they have the right to collect on a debt and they still have not sent me anything. The most recent letter I sent out was back on XX/XX/21 and still did not receive any correspondence back. They do not have the right to put this on my credit without giving my any proof that it is mine!

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 2021-11-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a mortgage loan with Fifth third bank, fifth third has not been reporting my loan to the credit agencies since XX/XX/XXXX. I have reported this to the bank, the XXXX agency, the consumer financial protection bureau.All of these letters sent since the spring of this year, with no correction or even any apology from fifth third. Fifth has tried to foreclose on my home at least twice while I went through a chapter XXXX. I sent you all a copy of a letter fifth third sent me after the chapter XXXX ended that stated they would notify all of the credit bureaus on XX/XX/XXXX.I now believe this is an intentional act on their part to hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  midland funding is stalling by saying i hired an attorney i did not..the cell phone was bought by my husband i asked for proof that i picked up the phone and they did not produce it i know for a fact he got the phone about 14 years ago iin a cell phone store it is not my    XXXX   XXXX    bill

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I called on XX/XX/XXXX to report an odd XXXX dollar charge I didnt recognize. I was told I would receive a replacement card in a day. 
I wasnt sent a Chase United Visa, instead I was switched to a MasterCard with no numbers embossed. I was never told that I should expect a change in card, brand and terms.

I called and had to agree to language that I had authorized the switch to Mastercard, when I never did. XXXX  from Texas filed a complaint only after in insisted and used passive aggressive language that would not acknowledge the failures of the Fraud Department. Repeatedly, I was denied a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX {$0.00} XXXX  / XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, After I filed a complaint with the Consumer Finance Protection Bureau about the practices Truist was engaging in -- after dragging out a refinance application for six months, they gave me two days to give them my 2020 corporate tax returns -- the bank denied my application. It seems likely that it was in retaliation for filing the complaint.

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 2019-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America would not recognize my retiree status for the purpose of facilitating the free checking account offered in the Personal Schedule of Fees online for my Advantage Tiered Checking Account. I maintain that the waiver of monthly maintenance fee is a banking fee schedule, not a pension benefit. 

The Personal Schedule of Fees defines Employees and Retirees that are eligible for the waiver of the monthly maintenance fee as " retirees with at least 10 years of vesting service, and age plus years of vesting service equal to at least 60 ''. 

Facts : I have 24 years vested service. I am XXXX years old. My pension is from Bank of AmericaXXXX which has the Bank of America name on our benefit website, on my direct deposits and on the pension booklet they sent me. I left employment at age XXXX plus 24 years vested service is greater than XXXX. 

Bank of America acquired my banking deposits and credit accounts, our local ATMs and branches, and my vested pension obligation. The acquisition of XXXX Bank and the related subsidiaries gave Bank of America the opportunity to create new pricing, close branches and ATMs and set lending rates, certificate of deposit rates as they saw necessary. They put their name on it all, so I don't believe the Personal Schedule of Fees should be applied differently to retirees with the Bank of America - XXXX versus other Bank of America pensions. It is a banking fee schedule, not a pension plan. 

They declined my request because I was not age XXXX when I left employ of XXXX XXXX XXXX XXXX  and that I was not in their employ in XXXX when they began providing waiver of fees to retirees of B of A. I became subject to every change they ever made to the Personal Schedule of Fees, so I want the retiree status they advertise. I've worked through my local branch office XX/XX/XXXX, XXXX XXXX XXXX, Employee Relations and B of A 's impossible phone routing robot system for two full months. Tickets were opened and closed due to inability to find records and are still being denied. 

I want the regulators to know how Fee Schedules are not applied for retirees benefit. I'm out hours of my life chasing this and over {$6000.00} of banking fees they expect me to just concede and pay in the future. I closed my accounts on 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 2017-06-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After 6 months, I finally received a credit to my Macy 's account for the bracelet and gift card that I never received.
Macy 's mailed a gift card to my previous address from  XXXX  and the tenant that was living in the home at the time stole the gift card. I made a purchase from my Macy 's credit card, never received the item, was charged for the item even after it was determined the item was lost and then paid interest on the credit card from XX/XX/XXXX  through XX/XX/XXXX .
I requested a full refund, the interest that was paid on {$880.00} for the past 6 months AND credit protection for 1 year which is {$14.00} per month per   XXXX   because Macy 's accused me of receiving a gift card for {$880.00} and then trying to file a false police report.
<P/>
Macy 's caused this issue and needs to take responsibility for it. I paid for an item by credit card and the refund should have been placed on the credit card not a gift card to a 7 year old address.
<P/>
I do not like the way this situation was handled and I am requesting further investigation asap AND I am waiting for the interest to be paid plus the credit monitoring. If you want the police report you can speak to detective   XXXX   and listen to him blame Macy 's for the entire situation. Seriously thinking about closing this account and posting my complaint to BBB on   XXXX   and other social media outlets!

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 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have disputed multiple times with all  XXXX  credit bureaus because an account with  XXXX   XXXX  is on my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business with  XXXX . I have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to 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