BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have contacted the XXXX  on several occasions most recent XX/XX/XXXX and XX/XX/2020 about the balance being incorrect ( I have a XXXX  balance but they are reporting {$2400.00} ) as well as the payments being reflected incorrectly. ( all payments have been made on time ) They have not reported to transunion ( the credit reporting they use ) since XX/XX/2020. This card has been paid in full since XX/XX/XXXX. I have started a dispute witg transunion and both times they maintained my balance was {$2400.00} but when I spoke with XXXX  they acknowledged my balance was {$0.00}. I have asked them to report the new balance. They said they would inly report that the account is in good standing and not report the balance as XXXX   according to XXXX a XXXX  XXXX, because my account was XXXX and they felt they had nothing to report. Even tho she said they report monthly or every billing cycle. When I pointed out it had not been she repeated her original statement. And refused to report the new balance.

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 2021-10-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Someone has stolen my personal information and applied for credit card and housing loan

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 2016-08-06
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank sent me a mail promotion for XXXX AAdvantage miles for opening a Citigold account and satisfying some qualifying activities. These qualifying activities were opening a new Citibank checking account and making qualified debt card purchases of {$1000.00} and doing 1 or more online bill payments for 2 consecutive months within 60 days of opening the account. I finished all the requirements 2-3 months ago and last month was told that my points would post in the XX/XX/XXXX billing cycle. When they did not post, I contacted Citibank and they informed me that there was no such promotion for me and that I would not get the miles

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 2019-06-03
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Caliber is currently withholding over {$65000.00} in insurance proceeds that are suppose to be used to rebuild my home. The claim is over {$100000.00} and they have stated that to distribute any additional funds an inspection and 50 % completion and inspections is required. I am not sure how it would be possible to be 50 % complete in a $ XXXX project with only the {$40000.00} that has been distributed furthermore. They recommended that I schedule an inspection to demonstrate progress, I took there advice, that inspection has now been canceled three times. I have never felt so hopeless in my life, caliber should not be allowed to write mortgages if they can not service them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I received a letter from a financial institution on XX/XX/2020, stating I was denied for an auto loan based on a credit inquiry to Experian on XX/XX/2020 due to the following reasons : 1. Credit bureau frozen 2. Lack of trades reported recently I have not placed a freeze on my credit report with any credit bureau and would like to know who froze my credit report without my authorization. If Experian froze my credit report, why was I not notified? If this is from someone else being associated with my report after I have already requested to have inaccuracies corrected, why are these inaccuracies still present? 
I have attempted to obtain my credit report from XXXX and directly from Experian. Each time I am told my Experian credit report can not be accessed, yet I was able to pull my credit report from the other two major credit bureaus without incident. I have attempted numerous times to contact Experian during stated business hours on their website at the following numbers listed on the website. ( XXXX, XXXX, XXXX ). I am trying to reach an actual person to discuss this matter and have been disconnected each time after following all automated prompts. 

If I can not obtain a report or get into contact with Experian, how am I supposed to fix this issue?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX and XXXX XXXX accounts are not my accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft

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 2019-12-05
Company: EQUIFAX, INC.
State: GA
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2900.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I do not have an XXXX XXXX card, nor have I given permission or authorized anyone open an XXXX XXXX card. This false reporting of a collection/charge-off of an account that does not belong to me is seriously harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this item removed however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: CITIBANK, N.A.
State: MS
Product: Credit card
Issue: Advertising and marketing

Complaint:
About Citi AA Credit card. 
In their website, it is stated that Plus new cardmembers can earn up to {$100.00} in statement credits on eligible XXXX XXXX purchases in the first 12 months of account opening. See website : XXXX But I never got this XXXX credit back to my account. Today, I called citi. The agent played word game with me. He said that " new member '' is not a new member to citi AA credit card but CITI credit cards as a whole. If I applied any Citi credit card, I am not eligible for XXXX dollars credit back.

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 2015-12-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted by phone from XXXX right before or around the 7 year date of past due payment to Citizens Bank VISA. I owed approximately {$9000.00}. They did n't tell me I had a right to dispute. They offered for me to settle with them at a reduced rate, of which I had no funds to provide. They said I could work out a payment plan monthly. I told them I could n't afford to pay much back in payments monthly because since XXXX I had been on XXXX. I also told them I know it is my responsibility to pay it back. I wanted to pay it back too. Then I told them I was n't working and had no idea when I would be returning to work. I have n't had substantial earnings having tried several places of employment only to have symptoms return and have to quit the job. Holding employment PT for 6mo or less. I 'm working now since XXXX of XXXX at only XXXX a week as that is all my XXXX and I know that I can manage. 
For the month of XXXX XXXX XXXX did n't take my auto-pay payment and did n't contact me. This payment is taken on or about the XXXX of each month since, I think, XXXX XXXX. I have paid back close to XXXX already. They may have not taken auto-pay because in XXXX I reported a lost or stolen debit card and the XXXX sent me a new one with different debit card #. I called to explain this to XXXX on XXXX/XXXX/XXXX after receiving my XXXX statement but I could only leave a message as the call was n't taken from me. In addition, I called to let XXXX know that I have recently found out that they can not collect XXXX for payment of collections. I am fearful they will take more money from me now that this month of XXXX XXXX the {$150.00} garnishment from my Bank account was not processed, which they may believe is intentional on my part. This would break any phone agreement we made in XXXX. 
I 'm also contacting you to ask, " Can they take this money from me legally? '' And, " Who can represent me if they are n't allowed? '' Thank you for reviewing and responding to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My wife has a bill from XXXX for {$5800.00}. She has been paying the bill {$870.00} in XX/XX/XXXX, {$980.00} in XX/XX/XXXX, and {$980.00} in XX/XX/XXXX. This morning She received a letter from Credit Systems International that they have the account now and what total payment of the bill. Is this legal in the State of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
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 have been disputing a item on my credit profile, XXXX, I contacted that company and they provided documents of the debt with no signature. I don't recall such a debt so I want proper verification of the debt with my signature, I have a open complaint against this company and the company XXXX another collection company and Equifax. I was contacted by Equifax by letter saying that the debt is verified as belonging to me,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Attempting to modification. Submitted paperwork. trying to get Nationstar on phone is impossible. Every attempt to transfer to any area has the call dropped. It is as if they are purposely avoiding to work with customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: ERC
State: MD
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:
Account was paid in full ; however, Enhanced Recovery/XXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: FISERV INC.
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Please see the attached imaces i have attached as proof. Please ask Telechek to get my information correct before i file fraud charges against them. I have asked them 4 times allready. The info is as follows : Business account name : XXXX XXXX XXXX XXXX account address : XXXX XXXX XXXX XXXX, KY XXXX Business phone number : ( 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 2019-12-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I purchased a new phone, therefore I don't have the exact dates. I am receiving between 3 and 5 phone calls PER DAY, sometimes at unreasonable hours. I have tried talking to the company directly and they are usually very rude or just hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 first time home owners loan was denied, on the premis of already having a loan. my credit report shows that i opened a first time housing loan in XX/XX/1995. The loan is with Bank of america, N.A XXXX in the amount of XXXX . I was XXXX years old at the time and beilieve the information was added to my account in error.

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 2020-04-11
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The TD bank branch where I used to go has closed its doors to any personal contact because of the pandemic. I need to deposit a check and I soon will need to make a withdrawal to pay my rent. I currently do not have an online account. TD 's website does not even explain how to open one. I have a debit card but I have forgotten my pin number, therefore I can not use their ATM machines. Though the website says one can conduct business with TD by phone, this has proven to be untrue. I have not been able to get any contact with TD by phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This is a totally unacceptable response to an issue I have been working on resolving with AES for 6 months. This company should be investigated by not only the justice department but the entire student loan program should endure congressional investigation. 

ResponseThe response to your Consumer Financial Protection Bureau inquiry from American Education Services/Pennsylvania Higher Education Assistance Agency ( AES/PHEAA ) is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Mortgage sold my home at a foreclosure sale after denying my attempt to reinstate the loan with the exact same information that was used 30 days previously. The ongoing attempt to modify the loan was denied because a utility account listed the address of service but the bill was mailed to a P.O. Box. the P. O. Box in question is the same address listed on my account information with Wells Fargo. It has been my primary address throughout the term of the loan. I have moved from the house. It was vandalized and destroyed by fire. The house was basically a total loss. I will receive no compensation. I have received information about a Class Action suite involving Wells Fargo. This is but one of the many cases that Wells Fargo has been involved in over the years which is verification of their unethical practices.

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 2017-05-23
Company: ZWICKER & ASSOCIATES
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  violated their arbitration clause.  XXXX  put an arbitration clause in their contract that they did n't honor and then tries to continue the lawsuit against me after the arbitration was dismissed by  XXXX .     O n   XXXX   XXXX   XXXX   ,  Zwicker & Asscociates PC on  behalf of   XXXX   XXXX   filed a claim in Small Claims Court against me for approximately {$3500.00}. Zwicker & Associates hired local attorneys  XXXX  and  XXXX  to r epresent    XXXX   XXXX  .        XXXX   XXXX   XXXX  ,  I filed a  Motion to compel Arbitration.         XXXX   XXXX   XXXX  ,  the  Court Ruled.  Ruling states, Arbitration filed with   XXXX   ( #  XXXX  ) ; Matter continued indefinitely in order for Arbitration process to complete. Documentation attached.      XXXX   XXXX , Counsel for  XXXX  files a request for another hearing on the Motion to Compel Arbitration. Arbitration was ruled and agreed on     XXXX   XXXX   XXXX  .
On or about   XXXX   XXXX   XXXX  , I received a letter fro  m  XXXX  and  XXXX  c/o  XXXX  stating their client  may  be willing to discuss settling the matter at a reduced amount. They states arbitration is " very expensive. ''    XXXX   XXXX   XXXX   ,  XXXX  closed the case. Case terminated because  XXXX  failed to pay and participate in Arbitration.        XXXX   XXXX   XXXX  , a Motion for Joint Stipulation f or Substitution of  Counsel  was filed.  XXXX  and  XXXX  was no longer representing  XXXX  and Zwicker & Associates.     Year Later ,   XXXX   XXXX   XXXX   , Zwicker & Associates files a motion to return case to active docket.   Zwicker & Associates KNOWINGLY FILES A FALSE STATEMENT WITH THE COURT.   Zwicker states, As of  XXXX / XXXX / XXXX , Defendant failed to pay required Arbitration fees, and the case was terminated by the  XXXX   XXXX   (   XXXX  ).     THIS IS COMPLETELY FALSE, PLEASE SEE ATTACH DOCUMENTS FROM  XXXX .   The Plainti ff ( Respondent ) w ho is  XXXX  failed to pay case management fee.   XXXX    sent the counsel for  XXXX  several letters requesting payment but they failed to respond.        XXXX   XXXX   XXXX  , Court dismisses case without prejudice. Judge writes t he following Plaintiff admits to failing to pay arbitration fee causing closure of arbitration process. Def. requests dismissal for failure on plaintiff 's part. Court grants defendant 's request for dismissal. Parties were ordered to arbitration and that has not occurred by no fault of defendant leaving this open on her credit history is unduly prejudicial.        XXXX   XXXX   XXXX  ,  Zwicker & Associates c/o  XXXX  files a motion to vacate dismissal to refile a new arbitration case since the  first one can t be re-opened.     Zwicker & Associates c/o  XXXX  failed to send me a copy of their motion to vacate dismissal, therefore, I was not able to write an opposition to their motion because I was not aware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Transunion is reporting information on my credit report incorrectly and twice with XXXX different account numbers for trade XXXX XXXX XXXX I have submitted disputes to no avail. As a result of the dispute the original creditor updated my account as paid as agreed, satisfactory account. Transunion changed it back to a negative account as well as listed it twice and again with XXXX different account numbers. After becoming weary of trying to resolve this matter, I paid a collection agency - XXXX XXXX aka XXXX to resolve the account. 

As proof of my claim, I am submitting excepts from XXXX Transunion credit reports, Receipts from XXXX XXXX Thank you so much for any help you can give me with this matter.

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