BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-13
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 is missing that should be on the report

Complaint:
LOOKING OVER my credit report and I SEE it has addresses that I never live at on my Credit report. I am requesting that you promptly update and delete addresses that I never resided. Please see the attached copy of my utility bill for your reference. Please update my current information to reflect THE CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX SS XXXX DOB XX/XX/XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM ALL OF MY CREDIT REPORTS:XXXX XXXX XXXX, XXXX , CA XXXX XXXX XXXX XXXX, XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , AZ 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 2016-11-02
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
PNC banking institution used questionable tactics over customer service telephone services in order to mislead me into believing that a fee would be removed/waived. They never provided preventive resolutions on the issue until I filed an internal complaint and was futher escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: GREAT LAKES
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Why is the cut off for qualifying for PAYE XXXX XXXX? I started college in XX/XX/XXXX and thus got my first government loan then. My husband and I recently tried to get a mortgage ( we 've never missed a rent payment in the 7 years we 've rented ) but my monthly student loan payments were too high for us to qualify for a mortgage. I 'm on the IBR repayment plan but with my private student loans my monthly payments are more than XXXX % of our total monthly income ( and that does n't include my husband 's loans ). Will PAYE ever include borrowers before XX/XX/XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My parents bank with a well known bank that I will not name as fear of retribution. My name was on their account. My parents were scammed out of close to {$30000.00} dollars. The bank manager told me she tried to stop my parents and told my father to " call one of your children '', and yet, never picked the phone up to call me. And yes, they admit to " some mistakes were made '' but that is not good enough for me. I would like to see that the banking industry do more to protect this vulnerable population. I would like to see that steps be put into place that when a family member calls to alert any bank that they suspect their family members are being scammed, as I did twice and messages were taken and yet no one ever got back to me, that a " different drop down list comes up '' and they are sent to the banks fraud department, before, not after the fraud has occurred as what happened in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My name is XXXX XXXX XXXX I have a complaint about Bank of America EDD prepaid card. I called Bank of America regarding my account being frozen because of the fraudulent that had happened to my card. When I discovered that some of my money totalling {$3900.00} were taken, I reported it right away. They canceled that card and sent me another one within the next day. I had also filed a police report regarding this fraud. Two days after I received my new card, Bank of America locked it. Right before XXXX. I have spoken to their people even asked for a supervisor and they kept sending me to different department and gets hang up. Then, I got a letter from them saying that my fraudulent case is closed! I called them and asked why and they never give me the right answer. I also called them for my account statement to be emailed to me so I can send it the police officer that was assisting me with my fraud case and they never send it when I was told that it will be email to me. It's been two weeks and 3 different people I have talked to regarding sending my statement and still no email. They locked my card and I can't get my money ( almost {$9000.00} not including the {$3900.00} that was stolen from me ). At first, they said it was the EDD that locked my account but the EDD told me that it was Bank of America. I am ready to take legal action at this time because they are just having me run around the circle. Please help.

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 2022-03-21
Company: MoneyLion 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: Information belongs to someone else

Complaint:
On XX/XX/22 I noticed on my credit report Money Lion INC, Ive never opened an account for a partially secure loan with Money Lion. This is also a closed account reporting with a late payment date which makes no sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: CCF Intermediate Holdings LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Hello! 

On XX/XX/2021 I submitted a complaint about Check In To Cash debiting my account after I had revoked ACH Authorization ( complaint XXXX ). After reviewing my bank account today, I see a debit from them again. Im not sure what else I can do to get them to stop getting in to my account. Help would be appreciated. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: NC
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:
Experian is continuisly reporting 2 fraudulent accounts ( XXXX XXXXXXXX XXXX  and XXXX XXXX  ) which I've seen that both have terrible business practices they were removed from XXXX and XXXXThese fraudulent accounts need to be removed from my report immediately so that this doesn't have to be resolved by judicial system. These remarks on my crefit file been very damaging to my finances, character and mental.

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 2020-12-31
Company: Experian Information Solutions 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 {$3200.00}, {$5500.00}, {$5700.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. US DEPT OF ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -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 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have called twice XX/XX/XXXX and XX/XX/XXXX about XXXX separate accounts that have reporting errors. I have NEVER missed any payments on any of my accounts and for some reason it now shows that I am missing payments. I even sent dispute letters out which I have receipts for and it keeps coming back that this information is correct and it is not. Please update as soon as possible. This is hurting my overall score. This is in regards to my XXXX account as well as my XXXX XXXX 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 2015-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have recently run into some medical problems that are making it increasingly difficult for me to remain in my home. I have decided to sell my home while I am still in a decent position to do so, and to avoid further hardships down the road. I contacted my mortgage holder, Bank of America this afternoon in the hopes of being able to discuss my concerns with them, namely that I wanted to discuss the possibility of being able to defer or reduce my mortgage payments while the house is on the market. I will need to get an apartment closer to the VA facility where I receive care, and would be unable to afford both. After being bounced between several different customer service agents in different positions, I was told that I would need to speak to a " Customer Relationship Manager ''. I was disconnected while on hold waiting to speak to someone in this position, so I called Bank of America 's Mortgage Customer Service Line and asked to be transferred to a " Customer Relationship Manager ''. I was placed on hold and then a man who mumbled his name too fast for me to catch it came on the line. He asked me to verify my personal information, which I did. When he asked to to verify my phone number, I said " It 's the number I 'm calling from ''. At this point, the person on the other end of the line snapped at me to " verify it ''. At this point I asked him to rephrase the question in a more polite manner, where he went off on me and repeatedly asked me " are you just calling to be rude? ". He continued in this manner, not allowing me to state my position or speak, and continuing to interrupt me. When I finally was able to get him to calm down, I stated that I had done nothing to warrant this disrespectful treatment, and that I had been a customer since 2006. He sarcastically responded " Thank you for your service ''. I then asked to speak to his supervisor, and he refused to transfer me to his supervisor. I asked what branch of Bank of America he represented, and he said " This is basically home retention ''. I then asked his name and he hung up on me. 
I am shocked at this rude treatment from Bank of America. This person I spoke to today was exceptionally rude and sarcastic, mislead me about the nature of the customer service I had requested, and refused to allow me to speak to his supervisor when requested, deliberately concealed his identity, and simply hung up on me when requested to provide his identity a second time. I have never missed a payment on this mortgage or even been late, and I was basically told to XXXX by this employee of Bank of America when I asked for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Rocket Mortgage changed a fee that was disclosed on XX/XX/XXXX, which I signed, and raised it by over {$4500.00} on XX/XX/XXXX, which was XXXX weeks before my closing date. Also, our commitment was scheduled to expire on XX/XX/XXXX. How can you change a fee before a commitment expires? 

This was predatory because if I didn't pay the fee, we were to far into the process to get a different loan. We made a commitment on the XXXX to only use Rocket for financing. 

Mortgage rates were at all time lows when we applied and during the entire process. Both applicants on this mortgage had no changes in credit, income or any status, that would justify changing the fee. 

Please see the attached documents for dates and only the document on the XXXX was signed electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
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: Public record information inaccurate

Complaint:
Transunion is incorrectly reporting a public record bankruptcy on my file. I have asked them to remove it/ i have contacted the court that transunion has on my report and was informed in writing that they do not verify information.. As this can not be verified I need it removed from my file 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 2020-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I made a payment in XX/XX/2020 for Captial one. For unknown reason, my payment was declined. I discovered that my card was frozen. Eventually the freeze was lifted. 

I contact capital one to explain why the payment did not go through & was advised to reach out to the credit reporting agency. 

I put in a claim to dispute the late payment & my claim was denied. At the time of the complaint. I did not have supporting documents regarding my accounts being froze. I had to keep call XXXX XXXX XXXXXXXX to get them to send me something in writing to support my claim. That document did not arrive until mid XXXX. The system wont allow me to dispute the late fee claims again

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX , XXXX contacted me about a debt I do not owe. I never had any business with Citibank, which they claim is the original creditor. 

I sent them a cease and desist letter via certified mail on XXXX XXXX, 2015 demanding that they have no further contact with me. 

However, on XXXX XXXX, 2015 they sent me a letter stating that I indicated I was being represented by an attorney. I never indicated that I had legal representation ; I only copied a friend of mine who is an attorney for her own interest. There is no attorney/client relationship between us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response or any corrections from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by 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 non-monetary relief
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
There are late payments in my account that were not updated. For almost a year now, i have been writing to the bureaus about this but i never received any reaction,

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 2018-06-28
Company: Experian Information Solutions Inc.
State: TX
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:
In XXXX of 2018, I traded in a vehicle to a dealership that I am currently involved in litigation with. At this time, my credit account with the credit union in question was current. I found out weeks later that the dealership had not paid the vehicle off. I made the credit union aware of this dilemma numerous times and yet, the account was still reported late to Experian, XXXX, and XXXX. 

After the dealership finally paid off the vehicle, ( after having it in possession for almost 2 months ), the credit union updated my credit reports to show the account closed and showed it to be paid in full, yet the " payment status '' on all three reports shows as currently late. I have disputed this account with all three bureaus, ( Experian twice! ) and the credit union has verified inaccurate data. Unfortunately, this now makes them liable for damages to be pursued under the FCRA, FDCPA, and the TFC. This false reporting has placed a tremendous stress on my finances, ( as I was in the middle of a mortgage loan when this hit ), and has taken a severe toll on my health and well-being. 

These complaints are also being reviewed by my attorney who is handling the case with the dealership in question as well.

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 2020-12-31
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:
I made a payment in XX/XX/2020 for XXXX XXXX. For unknown reason, my payment was declined. I discovered that my card was frozen. Eventually the freeze was lifted. 

I contact XXXX XXXX to explain why the payment did not go through & was advised to reach out to the credit reporting agency. 

I put in a claim to dispute the late payment & my claim was denied. At the time of the complaint. I did not have supporting documents regarding my accounts being froze. I had to keep call XXXX XXXX XXXX to get them to send me something in writing to support my claim. That document did not arrive until mid XXXX. The system wont allow me to dispute the late fee claims again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-07-02
Company: Paypal Holdings, Inc
State: WA
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 made a purchase on PayPal and did not get what was described as promised. I contacted PayPal to have them refund my money and they did not. The charge was done on XX/XX/18 to XXXX XXXX for {$2000.00}. They did not provide services as promised. The payment was done via PayPal.

Company response to consumer: Closed with explanation