BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX is incorrectly reporting a late 30 days. my payments are due every month on the XXXX of the month. XXXX states after day 29 they report a late 30 days, however they have my payment the day after 29 so it can not be reported late because that same day payment was in their possession. if the day after 29 days was passed and no payment was in their possession they could report a late 30 days however they had my payment and can not be reporting a late 30 days and as such is inaccurate information

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 2021-12-21
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2017-03-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX and Experian keep adding XXXX accounts from XXXX, XXXX, XXXX, VA XXXX to my credit file. I have disputed those XXXX accounts numerous times, they have been removed but months later added again. I also contacted XXXX directly requesting detailed information on how they have obtained my personal info and never heard from them. I 've called several times but was told they can not give information over the phone. 
Those XXXX accounts are not mine, nor do I know who XXXX, I never dealt with them, never gave them my personal and private information yet for some reason they have my info and keep submitting to my file. 
I need XXXX and experian to deny their requests of adding this to my file or provide proper information who they are and why they accept information from someone I have no business with.

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 2015-05-22
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They say they are called " pioneer credit recovery ''. They are calling from XXXX. 
They have been calling me at work even after I informed them not to call my work line. 
They continue to call during business hours as well as calling and leaving messages after business hours. 
If I am not at my desk then my employees will take the call and I worry about the caller tarnishing my reputation with my employees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: TN
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 ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: IN
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 account contains a finance charge, which is the sum of all charges. Upon using my Credit Card ( social security card ) this account was paid in full and shall not ever been late. These payments need to be updated to paid as agreed because the payments were received.

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 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 account contains a finance charge, which is the sum of all charges. Upon using my Credit Card ( social security card ) this account was paid in full and shall not ever been late. These payments need to be updated to paid as agreed because the payments were received.

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 2021-12-21
Company: HireRight Solutions, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
The company 'Hire Right ' called a United States Courthouse and requested the name and social security number of a case number provided. This is partially protected information and should not be requested by a company operating in the US. Please investigate this practice as it illegal and predatory. Doubt anything will come of it though! Big corporation against regular citizens!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an existing mortgage with Bank of America ( BOA ). A refinance was requested to BOA on XXXX/XXXX/2016. I 've submitted all required documents from the loan officer of BOA. I repeatedly called the loan officer I worked with about the progress. There was no response. And suddenly a single line email came on XXXX/XXXX/16 that the loan was declined without any explanation. I have a credit score of around XXXX. My proper value to loan amount ratio is fine. I have sound job history. 
The manager XXXX XXXX, after more than a day, answered : " It appears, according to my underwriter, that we were needing the actual 12 months of cancelled checks and lease agreement. The information you provided does not allow us to link your name to the account provided. '' Again XXXX XXXX was not able to reach any more after emails and XXXX voice mails. Nobody from BOA requested the leasing agreement. I do n't know what " cancelled checks '' they wanted. I have the letter of statement indicating my payments were from online payments. BOA could review more statements to link the payment info. However, BOA failed to request such further documents and abruptly declined the loan request. 

This is false advertisement of BOA that enticed the customer to apply loans with them and charge the XXXX party fees, such as appraisals. I complain about BOA on miscommunication and false advertisement and request to refund the charge due to fault from BOA.

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 2015-04-13
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Rewards

Complaint:
I have XXXX US Bank XXXX XXXX XXXX ( Business and Personal ) between myself and my girlfriend. We paid annual fees for each card this year under the assumption that the current reward of " XXXX free night hotel when booked with points '' would remain active for the remainder of the year for which we paid the annual fee. US Bank is changing this effective XXXX XXXX, 2015 and removing this benefit. This is a deceptive bait and switch tactic, and we are no longer getting the value we paid for in the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I lost my job, again, and need to suspend payments for 6-12 months while I search for another job. I used up my deferment/forbearance options after I graduated and when I was laid off the first time. I understand they have terms for how long you can suspend a payment. However, I did n't expect to be laid off twice within 10 years. Navient refuses to help me in any way that would allow me to suspend making payments. 
I have never missed a payment and overpay each month. I have no intention to not pay the loan ; once I get a job I 'll be right back to paying. 

I find it so strange the company sticks by this policy of a fixed number of times you can suspend payments. If I do n't have any income, I do n't have any options here. I see it as very simple to review my payment history quickly, see 8 years of steady, monthly payments over the minimum, and just suspend payments for 6 months until I get a job. They win in that they do n't have a client defaulting, they earn more interest on the loan, and then they get their client right back to paying once they are employed again. 

As an aside, their customer service staff was the rudest I have ever encountered. I spoke with a man and then his manager and they were condescending, rude, arrogant, and overall unpleasant. It was pretty surprising to see a corporation today let their staff behave this way with clients. Since the manager was worse than the employee, it 's clear they encourage a this type of culture in their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we applied to Wells Fargo for a mortgage for a home. We needed to purchase this home because the Illinois Tollway is taking our home because they are expanding the road. The tollway wants possession XX/XX/XXXX. 

WE NEED TO BUY ANOTHER HOUSE OR WE WILL HAVE NO PLACE TO LIVE AFTER THIS DATE.! 

Our XXXX XXXX is XXXX ( yes, not a typo ), We have no debts, we have no mortgages, we own 3 homes, one is for rental income. We have over {$800000.00} in IRAs and other assets. They tried to claim our income to debt ratio was too high and I told them we can just increase our IRA distributions, then they dropped that excuse. 

Clearly, we are not a credit risk. Wells Fargo refused to provide us with a legitimate reason for denying us a mortgage. 

After XX/XX/XXXX, we will be paid by the Tollway for our house they are taking. So in essence Wells Fargo is denying us a mortgage because they are afraid that we will pay off this mortgage when we get paid from the tollway and they won't make a huge profit. 
However, we won't get paid until XXXX or XXXX. So we need money now to buy a house. Or we will have no place to live. 

My wife XXXX XXXX XXXX and we can not be displaced because Wells Fargo just wants more profit. She could get sick and die. Wells Fargo knows this and they don't care This is not a legitimate reason for denying us a mortgage. This is economic discrimination.

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 2017-01-05
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I TRANSFERRED MY SERVICE FROM XXXX TO XXXX WITH THE HOPES OF GETTING THE SPECIAL DISCOUNT AND THE PROMOTION THEY HAD AT THE TIME. I ALSO HAD MY HUSBAND TRANSFER HIS PHONE FROM XXXX CELLULAR TO XXXX WHICH IS ALL UNDER MY ACCOUNT. I WAS TOLD THEY WERE GOING TO PAY THE TERMINATION FEE FROM XXXX AND US CELLULAR AND I WENT ON THEIR WEBSITE TO SUBMIT MY RECEIPT AND THE INFORMATION REQUESTED BUT IT WAS NEVER PAID AND NOW IT IS AFFECTING MY CREDIT WHICH HAS NOW DROPPED TO XXXX DUE TO THIS COLLECTION RECORD WHICH I HAVE NEVER HAD ON MY CREDIT. I AM ASKING THAT THIS BILL BE PAID OR I WILL FILE A LAWSUIT AGAINST YOUR COMPANY. I BARELY GET A GOOD SIGNAL TO BEGIN WITH AND THE PLAN IS NOT EVEN WHAT I WAS QUOTED. I AM UNDER A GOVT DISCOUNT PLAN AND WHY IS MY BILL ALWAYS ALMOST {$200.00}? I AM A STUDENT AS WELL AND MY HUSBAND IS A RETIRED XXXX XXXX, WE DO NOT HAVE THE MONEY TO WASTE ON A SERVICE THAT IS NOT AS XXXX AS THEY CLAIM. I AM TIRED OF FINANCING A PHONE THAT DIES AND DOES N'T WORK WELL AS IT SHOULD, THE TABLETS WE RECEIVED WERE SUPPOSE TO BE FREE AND NOW WE ARE BEING CHARGED FOR IT. PLEASE PAY THE TERMINATION BILL FOR MY HUSBAND AND MY BILL FROM XXXX. I LIKE THE CONVENIENT OF MAKING PMTS ETC BUT I DO NOT ENJOY HAVING A SERVICE WITH A HIGH BILL AND BAD SIGNAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Netspend Corporation
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I am XXXX. We received an unsolicited credit card for one of our students. She is a minor and did not request it. Her household also received an additional credit card, addressed to someone who does not live there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 account was opened under an open ended credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. On my consumer report there are three late payments listed, which is inaccurate and false because this account can not be late. Additionally, it contains a finance charge, which is the sum of ALL charges and that finance charge was paid with my credit card ( social security number ) upon their request for needing my credit card ( social security number ) to open the account, initially. Therefore, this account was paid in full and shall not contain a balance nor any late payments whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, On XX/XX/2021, I became the victim of a scam. I am a Wells Fargo customer of many years. I am a working mother of XXXX small children and I was taking them to the doctor when I received an urgent text message appearing to come from Wells Fargo telling me that I had fraud on my account. I then received a phone call from Wells Fargo ( the same number as their customer service! ) and they told me that there were seven XXXX transactions that were fraudulent and asked me that if they were able to determine who did it, would I want to press charges. I said yes. They then said that because XXXX transactions use a different process, I had to send the money back to myself. I was instructed to send them to ( my name ) and then I would receive confirmation that the money had been sent back to me. The transactions were for : {$400.00}, {$490.00}, {$500.00}, {$520.00}, {$520.00}, {$550.00}, and {$560.00}. I also received an email from XXXX XXXX  XXXX to enter an access code, which I never sent. Then they sent a confirmation email for each of the transactions telling me that I had received the money. I never gave them my email address. That is when I became suspicious and contacted Wells Fargo from my online banking. They told me to file a claim, as there were no deposits, only withdrawals from my account. They said that they would investigate the matter, but in the meantime, all of the funds were gone from my account. I read the error resolution information and it said that if unauthorized transactions occurred, that they would give me 'provisional credit ' until the investigation was over. I never got that! In the next days, I received letters from Wells Fargo saying that the transactions were processed as requested and my case was closed!! They said that as a 'courtesy ', they would continue to attempt to assist with resolution with the receiving institution. 
I would never have done this had I not believed that Wells Fargo was instructing me that there was fraud and that I had to take these steps to help me. I have been trying to research these scams, and I read that many big banks tell their customers that there is nothing they can do, and that they are just out money. I also read that recently the CFPB made a publication that says banks can not do that, and that they can not blame the customer because the customer didn't know that they were doing something wrong. 
I hope that you can help me, and thank you for taking the time to read my message.

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 2016-10-27
Company: FIRST HAWAIIAN, INC.
State: DC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I was in the XXXX, so I opened a checking and savings account at First Hawaiian Bank. I maintained the account for about XXXX years, with periodic deposits and withdrawals. We left XXXX because of a XXXX move, and I did n't close the account. It had about {$400.00} or {$500.00} in it, and I had an auto loan through the bank, so I kept the account open when we moved. I did n't touch the account for a while, and when I tried to login to the account, I could n't access it/retrieve my account number. My mistake was that I connected the account to a XXXX email address, so I had no way of retrieving my account number. I called the bank to find out how to access the account, only to be told that I could no longer access it, and they were charging me a monthly fee to keep it open since it was n't in use. I asked how to close it. They said that I had to mail a letter with my name, XXXX and current address requesting that they close the account and mail me a check. I mailed one letter, and checked back a few months later. They said that they had never received it. I mailed another letter, and they rejected it, saying my signature did n't match closely enough the signature I used when I opened the account. After pushing continually XXXX multiple phone calls over the course of a nearly a year to a standardized customer service number ), I finally reached someone who could help me and would give me her phone number to call and follow up on the situation. The account is now closed, and I received a check from FHB for the remaining money in my account -- but this process cost me more than {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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:
XXXX XXXX XXXX In accordance with the fair credit reporting act this account is violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1691 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 604 A SECTION 2 15 U.S.C 1681 C ( A ) ( 5 ) 15 U.S.C 1681 S-2 ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CITIZENS FINANCIAL GROUP, 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/2021 A company name Citizens One XXXX, said I brought an XXXX  and I owe {$900.00}. 
I called to let them know that I never purchased an XXXX  and that it was an identity fraud. 
On my credit report I can see they open an account under the name Citzen Bank. 
They sent me two letters in the mail with different names. 
One is called Citizens Bank and the other one is Citizens. 
They are asking me to send them a copy of my utility bills, my driver license, my social security number and my personal information in order from them to close my account that I never opened up.

Company response to consumer: Closed with explanation