BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'm lodging a formal complaint against both XXXX XXXX XXXX and XXXX insurance, as it is my conviction, they disregarded my privileges under the FCRA. Reporting inaccurate information about its status to the credit bureau. I didn't notice this error right away, that this was an already reported collection. Initially, this was a Debt by progressive insurance given as collection to XXXX XXXX XXXX. I questioned this record for the subsequent chance to have it eliminated and they changed the comments to wrong and never eliminated the data. They never sent me any letters, calls, or messages with respect to this. Kindly check and eliminate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I originally filed a dispute with TransUnion about an account they were reporting which does not belong to me. They did not conduct an investigation within 30 days as required. When I contacted them after 90 days, they " reopened '' the case as if it were a new investigation and then immediately said the case had been investigated. They DID NOT follow the law and remove the disputed item as they had failed to investigate it within the time frame allocated by the law. They then lied saying that the investigation was completed on XX/XX/2016. However as apparent in the saved screenshot I took on XX/XX/2016 of their web site it clearly shows that they had NOT completed their " investigation '' on XX/XX/2016. I filed a complaint previously here and absolutely NOTHING was done! I demand accountability from my government and this consumer reporting agency.

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 2020-10-06
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I write this out to clarify why i am disputing. I dont dispute often at all. i ordered a carpet cleaning on the XXXX asked for ANALYSIS written on the receipt. of what made it dirty. i needed this. i also asked the supervisor for the same info as well. I did not get it. I then called many times week of XXXX with no response. this was needed for legal documentation purposes. i wish 75 credited for the lack of response i got an email with garbage that is useless. and not what i asked for. Had i been told this would be a problem i would not have made the purchase.

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 2021-03-10
Company: Bread Financial Holdings, Inc.
State: TX
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:
In XXXX, XXXX I returned clothes to XXXX that I had charged to my XXXX  comenity card. On XX/XX/XXXX I received an email from XXXX  confirming the return but it only acknowledged half of the items Id returned. The credit was supposed to appear on my statement in 14 days. I never received that credit. I continued to get statements with no credits for my return. I spoke with XXXX  and comenity many times on the phone, wasting hours and hours of my life. Also hours wasted messaging them through their message portal. I emailed XXXX  and Comenity XX/XX/XXXX disputing my entire balance and attached all documentation. They never investigated a thing. 
Attached is their return confirmation email, which was insufficient and never credited. Attached is also all other documentation supporting my return of items that appeared on two packing slips, of which XXXX had previously only acknowledged receiving the items listed on 1 of the 2 packing slips. Comenity is continuing to report my account as delinquent to the credit bureaus, ruining my credit and my good name. Collections is still calling and harassing me daily. I do not answer their calls. I reported all of this to the XXXX  also, to which Comenity responded that they would research it in the next 30 days. Comenity never even bothered to research the documentation THEY sent ME, which is on my account in THEIR system, and theyve had since XXXX to do that. It was XX/XX/XXXX that I first complained about never getting credit for my return and that the return they acknowledged was only for half of what Id returned in XXXX. 

Comenity has no remorse for abusing and harassing me for monies I do not owe, nor for ruining my credit. Comenity is apparently stalling resolving this issue and restoring my good credit. It appears to me that they intend to never investigate and to never correct their egregious errors! They have no empathy for the damage they are causing to my good credit nor the mental anguish this is causing me. They continue to ask for MORE TIME to investigate! I find this infuriatingly unreasonable. 

I believe Comenity should, in addition to marking the fake debt paid in full and on time, pay me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
my identity was stolen and used and as a result some accounts were opened. I filed police reports with the XXXX police dept in XXXX report number XXXX and report number XXXX in XXXX. I mailed by last notification of my identity being stolen and accounts being opened and used including student loans. 
these are the fraudulent accounts opened that transunion refused to consider my police reports and the proof ive sent. 
XXXX all accounts XXXX and all inquiries except for any listed XXXX. 
i want these fraudulent accounts removed from my account and i want my current phone number added to the fraud alert on my report. 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 2016-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
BACK ON XXXX XXXX 2016 I RECEIVED A CALL FROM A LOCAL LOAN CO. WHICH THEY SAID IF I WOULD COME UP AND PAY THE LOAN OFF IT WOULD BE LESS THAN WHAT IT NORMALLY IS SO I WENET UP AND PAID IT OFF AND TRANSUNION AND XXXX AND PROBALY XXXX STILL HAVE IT ON MY CREDIT REPORT IF THESE COMPANIES DO N'T UPDATE THERE RECORDS WHY ARE THEY STILL IN BUSINESS BECAUSE THEY CAN XXXX ALOT OF PEOPLES LIFES UP THANK YOU.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am submitting a complaint with NEW information regarding XXXX liens that are showing on my TransUnion credit report. I did not know the source of their information on the liens and due to this TransUnion violated the Fair Credit Reporting Act. IN ADDITION, I have attached Court Records signed by the Clerk of the Court, stamped that XXXX liens are " PAID, SATISFIED AND ORDERED CANCELLED FROM RECORD '' from the XXXX Department of Revenue. I have submitted the same court documents affirming this to TransUnion and they have refused to remove the liens, despite court order.

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 2021-03-10
Company: REGIONS FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ... REGIONS BANK XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2016-11-08
Company: Pacific Union Financial, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX, I received a phone call from Pacific Union Financial Services at XXXX. The gentlemen I spoke to on the phone stated they ( Pacific Union ) had not received my XX/XX/2016 payment. I explained to him that I made the payment on XXXX. I was at work and I could n't go find my email confirmation. He reassured me that they had not received the payment. So I scheduled another draft out of my checking account in the amount of {$1000.00}. I told him I would call back later to so they could investigate and see what happened to my payment. I called back the same day XX/XX/XXXX at XXXX and spoke to XXXX and tried to explain to her that I made the payment on XX/XX/XXXX and she stated she could n't find a payment. I asked to speak to a supervisor and she told me no one was available. She told me she would have XXXX or XXXX ( supervisors ) call me back to look into my payment. As of XX/XX/XXXX I have not heard back from Union Pacific Financial, XXXX or XXXX. I found the email confirmation of my payment. They have reported a delinquent payment to the credit bureaus. My account is not delinquent and I have the payment confirmation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On or about XXXX XX/XX/XXXX, I opened a checking account with Bank of america. As I am in the mode of consolidation of my bank accounts, I requested Bank of America to close my account via chat on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I requested them to close my account and I have already moved out my funds out of this account. I was told that low balance fees will be charged on XXXX XX/XX/XXXX and they will be closing the account prior to that. 
But to my shock Bank of america didn't closed my account and instead charged me low balance fees of {$4.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have reported to them twice now that my job history and addresses are wrong and want them removed. They 're still on there. I just looked again today. I see all these California addresses. That is a relative. NOT ME. Please remove!!! I have never even been there or used those addresses. I never worked at XXXX either. And that XXXX number I have never seen it. I wanted that removed and the XXXX number is my ex in laws phone number. Please remove it too. the XXXX was disconnected when I got a cell phone approximately 10 years ago but they wo n't remove it either. I would prefer my number not be on there at all. I just had to file a complaint because someplace called me stating they were a debt collector and was threatening me with jail. Long story short the XXXX said they pull your credit report and get your number and enough facts from your report that they call and harass you. So please remove my number too 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 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 37 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2016-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Normally I have a security freeze placed on my credit report through Trans Union. On XXXX XXXX, I made an online application to lift the credit freeze on that day through XXXX XXXX because I had applied for a new credit card. This cost me {$5.00}. 
The credit card called me the next day saying that they could not process the application because my credit report was still frozen. That evening I called Trans Union and they assured me that the freeze has been lifted on the date I requested. I explained that the credit card company informed me of the contrary. In addition, Trans Union also informed me that I had completely removed the freeze on the card, and in order to replace the freeze, I would have to pay another {$5.00} fee. I assured them that this was not true, I had not permanently lifted the freeze and that I had only requested the freeze be lifted long enough for the credit card company to process my application. 
In the meantime, on XXXX XXXX, the credit card company once again called me saying they could not process my application because there was still a freeze on my credit report. 
So in the end, I could not have my credit card application processed AND I am being forced to pay an extra {$5.00} to put a freeze back onto my credit report, freeze that I never permanently lifted.

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 2015-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have tried to dispute my tax lien through the regular written letter credit bureau investigation process XXXX with no resolution or response. I included the document from the Georgia Dept of Revenue showing that it is satisfied and cancelled and the bureaus have n't properly investigated and deleted it from my reports. I have attached the letter again for you as well. They combined the accounts for XXXX and I and the receipts attached show they were paid. Please help. I look forward to quick resolution because these are impeding my ability to move forward financially.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: ALLY FINANCIAL INC.
State: RI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a lease terminate with Ally Financial. I did not believe that I owed them anything but agreed to pay them {$50.00} a month. They put the account in charge off even though I continue to pay. This act lowered my credit score by over XXXX points. They are wrong to do 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 2016-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been a customer with Bank of America for many years. Mostly, I am happy with their service. However, on the date of XX/XX/XXXX, I was given XXXX overdraft fees totally XXXX dollars. Now, I plan my funds out to a tee with each direct deposit. I found it odd, and upsetting that the order my transactions were processed, is what caused me these overdraft fees. When I called the XXXX number, I was tossed around from rep to rep. I was even once disconnected, and not called back. I then made an appointment, and entered a branch, where I was treated with disrespect. These persons explained I could not have either fee reversed, because I had one earlier in the month ( 3rd party error ). My complaint is this : how are you, as my financial institution, allowed to pick and choose? Why when I asked how many a person was allows annually, I was given several different answers? Please do not pick and choose your fees based on how a customer is paid. I am given XXXX separate direct deposits every two weeks. By the end of the month, I bring your bank close to XXXX in MY income. You ca n't give me back XXXX measly dollars back in fees? I 'm seriously confused, and upset by 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 monetary relief
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX several notarized letters were sent out on my behalf to Experian, XXXX, XXXX for verification of items that were listed on my credit report. I sent these letters with return receipt asking how the items in question were indeed verified. I since have received no written response and It has passed the 45 day limitations which the law states that these items in question must be removed immediately. The items in question are as follows : 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 2016-06-27
Company: ALLY FINANCIAL INC.
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've been getting called multiple times a day after I paid XXXX $ XX/XX/2016 saying that was the past due amount to clear my account. apparently I still owe XXXX $ an have basically being harassed about this after I was told the XXXX would bring me up to the date of my next payment which is XXXX XXXX 2016. I 've also told these people of my situation multiple times. I 'm on XXXX leave an have been having problems with the State since my paper work keeps having problems or getting lost. I also have a good payment history and this has never happened with me before and they have n't helped me in anyway to come to a solution.

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 2015-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax has failed to respond back since my XXXX dispute dated XXXX XXXX, 2015. I followed up with a XXXX letter dated XXXX XXXX, 2015 and the failed to respond as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a Client of NEWREZ and I was looking to do a REFI. They strung me along for almost 5 months ( XXXX XXXX XX/XX/2021 ). Once the CD was sent out, it was double what I was promised and I wouldn't sign it. They then declined my loan and told me I was high risk! I have a six figure income with a low DTI RATIO, with almost XXXX in equity in my home. I was taking a loan for XXXX and got denied after I rejected NEWREZ CD. There are numerous filing 's with the XXXX complaining about the same issues that I am dealing with from this company. There lening practices needs to be investigated, it could just be discrimination because I am a minority!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Seterus, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus has not provided me with my XXXX interest form in a timely manner. They have removed my online access since the account was paid in full in XX/XX/XXXX. Therefore I have no way of obtaining the XXXX other than waiting for them to mail. They claim that they mailed it prior to XX/XX/XXXX, but I do not trust or believe them. I would appreciate them providing me a copy of my XX/XX/XXXX XXXX interest form and I would also be interested in seeing proof of their claims that they 've mailed the form to me timely. They have my correct mailing address and verified this with me, but I 've still not received anything. Their standard answer is 'We can not control the mail '. They provided the figures to me over the telephone but I feel more comfortable with the form in hand since I do not trust them due to this same issue occurring last year and issues receiving our overpayment after payoff this last fall. 

I fear they may be compromising my personal information by possibly sending the XXXX form and possibly our refund from payoff to our previous address. I hope this is not the case, but I am not comfortable with the situation.

Company response to consumer: Closed with explanation