BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have repeatedly disputed and disputed with XXXX regarding negative hard feelings inquiries should be deleted from my report as well as with Transunion but I feel like no matter what I do they are ignoring me regarding my credit 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 2020-08-06
Company: Experian Information Solutions Inc.
State: AR
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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX  XXXX {$380.00}

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 2020-08-06
Company: EQUIFAX, INC.
State: AR
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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX  XXXX {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
i have disputed this item XXXX item XXXX reporting on my transunion credit report, they sent me a response saying the item was verified, i escalated a complaint with XXXX to the collection agency resurgent capital services who is servicing the account with XXXX, after the request the company has agreed to remove the item from credit report, i have attached the copy of the letter received via XXXX, i want transunion to delete this negative information from my credit file immediately to enable me pursue my financial goals

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XX/XX/XXXX I closed my credit card account with Bank of America. About two months later they processed a " recurring charge '' and sent me a bill, which I paid promptly. On XX/XX/XXXX, I sent them a letter which stated : " I DO NOT AUTHORIZE BANK OF AMERICA TO ACCEPT ANY NEW CHARGES ON THIS CLOSED ACCOUNT '' and " I would like written verification from you that this account is closed and that no additional charges will be accepted. " On XX/XX/XXXX, they processed yet another charge for AAA membership renewal. AAA had notified me that the card on file -- the BofA card -- had expired. However, B of A processed the charge, billed me, thereby ignoring my withdrawal of authorization. I spoke to XXXX people at B of A and was repeatedly told that they could not block future charges, as I had requested. I also requested a letter promising to block the account and to remove me from their data base. The person said, " I 'm not authorized to do that. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: IL
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:
XXXX  refuse to remove fraudulent accounts from profile even after I have disputed it several times and supplied a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Mortgage Lenders Investment Trading Corp
State: FL
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:
Last year I had looked into refinancing a home that I own with my ex-wife. We reconsidered it again this year, so she reached out to the same mortgage company in XXXX, asking about current rates, etc. She did not, nor does she have the legal right to, approve of them to make a hard inquiry into my credit. So without my permission, they pulled my credit report. I have contacted them several times about removing it. And while they said they would take care of it, it was never resolved. I contacted them again today, after seeing the inquiry still listed on at least 2 credit bureaus. They ended up replying to my ex-wife, who again has nothing to do with this, providing another number to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: MS
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:
LOOKED AT MY CREDIT REPORT AND SEEN ACCOUNT I NEVER OPENED

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 2017-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax makes you unable to access dispute information to even see if it was filed. I was able to get a correction for collections on my report removed from both other agencies but equifax phone support transfers you over to people in the XXXX/outsourced, where they do n't resolve, have no knowledge of, and try to sell you a service to basically get it deleted, maybe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: ONY GLO, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a home refinance in XX/XX/2020 with XXXX XXXX at XXXX and paid for an appraisal. We were unable to continue our refinance due to the pandemic as my partner was put on leave. I spoke with XXXX XXXX at XXXX to let her know that my partner would be returning to work in XXXX and I expressed my concern about the monies we paid towards our appraisal and if we could use the appraisal and we didn't want to miss out on our rate. 

XXXX let me know over the phone that she should be able to extend the rate lock and use the appraisal. 

When my husband returned to work, I reached out to her via email and she advised that I needed to submit a new application. When i reached out regarding the appraisal we paid for and if we could use it, she did not respond to my email. I tried to call her and she did not answer and I left her voice messages. 

I finally called the customer service line for XXXX and the gentleman I spoke with could not assist and told me that our appraisal is to about to expire in XXXX and we can not move forward with the appraisal since the rate lock since XXXX never filed an extension as she promised and if we put in a new application, we would have to pay for another appraisal. 

The gentleman, I think his name was XXXX or XXXX, mentioned he would reach out to XXXX but I never got a call back or any follow up from either of them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12
Company: ALLY FINANCIAL INC.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I finance a car thru Ally Financial on an 8.44 % rate. However, after reviewing my payments and total I believe they 're taking advantage of me and applying all payment to finance charge. I 've spoke to the rep and she has state they forecast charges therefore I must pay that interest. I was never late on this loan always paid as agreed however for 2016 I paid more in finance charge than what was applied to principal. Now I understand a high interest rate most payment would be applied to interest however on an 8.44 % rate my I should n't have paid more in finance charges than towards my principal. No one can explain this. I feel taken advantage of as a minority an XXXX XXXX Male. I have giving more money towards my payments to pay off early but none of my payments where applied to principal but to interest. I feel abused in this situation.

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 2016-03-14
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card
Issue: Rewards

Complaint:
When I applied for the XXXX XXXX XXXX XXXX and was approved XXXX XXXX, XXXX, I was under the impression I was receiving rewards points. I am XXXX and rely on Customer Service representatives to relay to me accurate information. 
I have called in to inquire about the percentage based on XXXX XXXX and non-XXXX purchases that I would receive in rewards points. I have called to inquire about my rewards points balance. I have called to inquire when this program began if it did n't exist in XXXX like they now claim. I signed up for the program XXXX XXXX, XXXX, and XXXX, a supervisor out of XXXX XXXX, was quick to tell me that they would not give me any retroactive rewards points nor did she offer to compensate me in any way and that signing up for it required no more than saying " I would like to receive them. '' I filed a complaint with the New York XXXX for this being misleading. This went no where. I first received a phone call from the executive office at Chase stating that I would have had to APPLY for the rewards points program when I applied for the credit card. They later sent the enclosed letter which was also sent to the New York State XXXX and forwarded to me. 
On XXXX XXXX, XXXX, I called and spoke to a supervisor XXXX who informed me that if I had just called in to inquire about my account they would not have told me about a new promotion, i.e. the rewards points. She stated that if I had called in asking questions about the rewards points, then I should have been made aware and offered the chance to sign up for the program. When I called and specifically asked about them, as my records partially show, they should have informed me about it and I should have been given the opportunity to sign up. In addition she could n't find the date the program began. She gave me XXXX points which is equivalent to {$50.00}. 
Why could n't they see if more could have been done? Why was n't anything done sooner? Why do they not know when the program began? If it existed since I had the card, why ca n't I be reimbursed since then?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX   with ACCT # XXXX opened on XX/XX/2018 with a balance of {$2900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX   with ACCT # XXXX opened on XX/XX/2018 with a balance of {$2900.00} -This is not my account.

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 2016-04-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have made several attempts to access the Experian Online Dispute site. In addition, I have made attempts to access my annual Experian report online. However, I am continually unable to login via my information or report number in the Experian Online Dispute Site. I have been able to only login on one single day recently, though when I entered the same information the following day Experian has an error message and will not allow me to access the site. 

I have sent three letters to Experian over the last two years regarding this ongoing issue. Experian representatives at their call center indicate they do not know who manages the Experian Online Dispute Site and that no one can assist me in troubleshooting the ongoing problem. 

One representative told me Experian limits the number of time you can login to dispute items within a certain time frame to prohibit users from abusing the dispute site to view their credit reports. Two representatives told me they know the number of times but will not tell consumers the number and time span.

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 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX   XXXX {$6900.00}

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
According to Equifax, my information was released as part of their data breach. While they have set up the option for credit monitoring, I need to proactively sign up and the terms of service for that service includes a clause that appears to be intended to limit class action lawsuits. That is outrageous and should be illegal in cases of security breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$260.00} into my  BBVA  checking account on  XXXX   XXXX ,  2016  and they never appeared on my account so I filed a dispute claim and they have not given me my money back. I was unable to pay my car on time because of this and now I have late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-01
Company: Innovis
State: CA
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 looked into a loan from XXXX XXXX. Unbeknownst to me, they sent my inquiry to them out to several other companies. I have never heard of some of them. Out of 10 hard inquiries, I only know of one that I actually applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX XXXX {$63.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$270.00}

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 2016-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to open an account & get a cash advance with BOA on XX/XX/2016 in XXXX XXXX, NJ. Everything seemed ok & I was provided with a new temporary check card. I have $ XXXX in a XXXX account along with a credit card so I was entitled to gold preferred checking. I went to use the acct. yesterday & could n't. I made a call and found out that it was closed & I need to go in to get a cashier 's check for the {$1500.00} sitting there. I went to BOA in XXXX, NJ XX/XX/2016 @ XXXX & did n't leave XXXX XXXX cuz no one wanted to listen so I could explain. XXXX I sat with XXXX ( sp? ) & she looked at the acct & sent me to the teller. She mentioned that it was pending closing but that my card was shut down. The teller XXXX was extremely nasty & wanted to pass me back off immediately to sit back with XXXX ( sp? ) because she made me input my card & pin # which would n't work cuz the acct was closed which I tried to explain to her. She said " well how are you entitled to the funds ''? She would n't let me explain & told me they have to phone the call ctr. I was on hold in XXXX 's office for over XXXX minutes & finally someone answered the XXXX & told her exactly what I said & she brought me back over to the teller line which I stood in for another XXXX minutes because the woman mgr. decided to take the woman behind me in line to help with obtaining checks while the teller was bz with other people. So, I had to wait for the XXXX to come back over to walk XXXX the teller thru the process for to now get the $ $ that I XXXX came in for. XXXX asked me if I had my driver 's license which I provided to her over XXXX minutes prior as if she did n't remember. Meanwhile, the customer service people I spoke to the night XXXX could n't give me any info for while they closed the account and I felt like I was a criminal. I know I had all of the credentials necessary that qualified me for the gold preferred checking. So, I was given XXXX addresses to contact for further info regarding the acct. Office of the XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX BOA, XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX and I was to reference the account #. Getting back to my experience in BOA in XXXX, NJ. I never got an apology from anyone of them I spoke with XXXX XXXX people ) for not fully understanding the matter at hand for a quicker resolution ; nor did the XXXX seem to mind that I was waiting for over XXXX minutes because her employees did n't understand my dilemma and yet she had me wait additional time for her to take another customer ahead of me. I was appalled & disappointed with the complete process.

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