BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I depositeda a check for {$7000.00} XXXX funds in my account. I knew that it would need to go through collection which can take 6 weeks. After 7 weeks. I called to find out the amount of the deposit in US funds. I was told that it might take 8 weeks. At 9 weeks I called again and was told that they meant 8 weeks from my phone call. On XX/XX/XXXX the XXXX bank paid the check. It still has not been deposited to my account at Truist Bank.

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 2017-05-08
Company: AMERISAVE MORTGAGE CORPORATION
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced a home mortgage with AmeriSave Mortgage Corporatio n ( lo an number  XXXX  ). {$2100.00} was charged as part of the closing cost to establish an escrow account. One payment was made which included an additional {$440.00} for the escrow. The mortgage was sold to  XXXX   XXXX   ( Loan n umber  XXXX  ) and the escrow balance that was transferred was {$890.00}. I have no record of where the missing {$1600.00} went and my efforts to track it down have resulted in being placed on permanent " hold. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My first car payment was XXXX I sent {$300.00}. I called them 3 to have them. Put the extra amount towards my principle and they put it towards the finance charge. Or interest. I got a new statement in the mail. They're telling me. I own {$410.00}. 
In the loan status Section. 
But down by the part where you mail the check. They're saying amount. Do XXXX Seems like after I called the first time to complain about where my extra money went. They started messing up my statements on purpose. Bank of america watch out.. And when I call this last time I know I only made 2 payments. She's telling me I made three that everything is fine now.

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 2020-03-14
Company: WINNPOINTE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, Please advise me re : Difference in Closing Cost at Loan Estimate and Closing Disclosure ( for Mortgage Refinance 15 year fixed, no cash out ) XX/XX/2020 XXXX XXXX Loan Officer at Winnpointe Corporation, dba Interactive Mortgage had me e-sign a Loan Estimate with closing cost of {$140.00} which is what she promised verbally over the phone. 
My payoff for current mortgage was Loan amount is {$250000.00} Loan estimate specifies that Lender would give me credit of {$1000.00}, thus I only had to come in with {$140.00} and {$490.00} ( both supposedly for prepaid interest ) would be paid from my loan amount. 

XXXX XXXX Notary public came to my house and had me sign Closing Disclosure that said I need to wire {$1200.00} for closing costs but there is no breakdown for said amount and {$420.00} for interest ( XX/XX/2020 to XX/XX/2020 ). I went ahead and signed thinking oh XXXX said whatever extra will be sent back to me. 

XX/XX/2020 I get a call from XXXX  of same company and an email I have to wire {$1900.00} and submit documents that I had already submitted on their portal OR my rate expires at the end of the day. I replied in email asking for a breakdown of the {$1900.00} but did not get an explanation. 

XXXX XXXX I get a message and an email from XXXX XXXX asking me to wire funds and submit documents ( that I had already submitted early in the process of refinancing ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Their investigation did not fix an error on your report

Complaint:
My credit report shows late payments to XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

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 2020-03-14
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is not responding to any of my numerous requests to investigate, verify and remove accounts from my credit report/file that were opened fraudulently.

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 2023-06-15
Company: EQUIFAX, 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:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday, XX/XX/2022, I was checking my checking account and noticed that the account was much lower than I thought. When I checked the history, I noticed 2 checks were deposited on Friday, XX/XX/2022 for the same amount each, with check numbers I have not reached in my account. When I looked at the checks deposited, it had my business information and my signature, with recipient information to someone I do not know. I addressed it with my bank immediately, as well as, I addressed it on my online banking security portal to " block '' the payments. I blocked both checks and my bank was able to receive the request in time to reverse the withdrawals and return the funds to my account by XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: EQUIFAX, INC.
State: WA
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:
Companies- XXXX/XXXX/Equifax. Account. Public Record. Since XX/XX/2009 These companies are reporting this Bankruptcy on my Credit report and have no proof of reinvestigating my dispute and on top of that saying that the Bankruptcy courts are reporting to the 3 major bureaus which they Do Not. Please reinvestigate these 3 Bureaus very thoroughly to make sure they are investigating properly and sending out actual facts instead of going by a 3rd party company that sends out inaccurate information. Please remove this negative item from my credit report as soon as  possible. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 have not supplied proof under the Doctrine of Estoppel by Silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In accordance with the fair cridit reporting act XXXX  Account XXXX, XXXX XXXX XXXX  have violated my rights. 
15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may noy trear a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-03-10
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Phoenix Financial Services placed a collections account on my XXXX credit report on XX/XX/XXXX for a XXXX medical bill. I had no notice of this bill being outstanding. I had medical insurance that covered this bill. Primary insurance- XXXX XXXX and XXXX XXXX XXXX XXXX. I was never informed that the insurer ( s ) were not billed or were not billed properly as this bill was 100 % covered by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I already have filed    one compl aint with Santander, that is case number  XXXX . This is additional information that I was told to add by the cfpb as another complaint. The issue we are arguing about is Santander 's interpretation of ou r credit score.  The report that we get from the credit agencies is very different than what "  XXXX , ''  Santander  's source, uses, resulting in a lower  credit score  ( and therefore higher rate for us  ) . Now, we have just received new updated credit scores which are still higher than   XXXX   but have lowered BECAUSE SANTANDER HARD PULLED OUR CREDIT  THREE TIMES in under a month period. They pull our credit three tim es, it lowers our score, and we get a higher rate? So  Santander  is effectively forcing us into a higher rate themselves. Which should be illegal. Additionally, one of the statements on their  ( Santander 's )  credit report, which again does not come from the big  XXXX , states that I,  XXXX , have my score adversely affected be ause " length of time accounts have been established. '' My most recent account was established i n  2008. T  hat 's  nine yea rs! How long do they want? Also a detriment : '' length of time since derogatory public record or collection is too short. '' What does that even mean? I had a collection go on. I paid it immediately. PS, the people trying to collect were actually sending things to the wrong address, as evidenced on my credit report.  XXXX   XXXX   XXXX   An  address at which I have never lived. So Santander, again, wants to make more money on consumer loans, and so does their own detrimental workings against consumers, which is completely unfair and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I located a puppy on an internet site :   XXXX   XXXX   XXXX   and arranged to purchase the puppy named "  XXXX  ''. I was directed to use the Paypal service to pay for him, and did so. I then traveled from  XXXX , Alabama to  XXXX  to pick up the puppy. When I called and said I was at the designated location, I was told they would be there with the pup in  five  minutes. An hour later no one had shown up and repeated calls went unanswered. The will not answer calls from my number, but do answer calls from other numbers.

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 2017-05-05
Company: Experian Information Solutions Inc.
State: VA
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   dob   XXXX / XXXX / XXXX  SS #  XXXX   XXXX / XXXX / XXXX    XXXX   and Experian and  XXXX  will not investigate the correct my credit report.     I have send them many letters to correct my   XXXX   account and they have failed to do so, so I am submitting docs the prove my account with  XXXX  is closed and has a zero 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 non-monetary relief
Consumer complaint received 2017-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
We received 1 notice in the mail alerting of the debt owed. I went online and made a payment that I could afford at the time. The original debt was {$3000.00} via a credit card with capital one. I made a payment of {$150.00}. 
About 2 weeks later before XXXX there was someone banging on my door. When I got to the door I saw an officer in full uniform, and panicked thinking something awful had happened. But, he was there to serve us papers stating what we owed and it did not reflect the payment I had previously made on their website. 
When we called to talk to them about the debt and offered to make payments they would not agree to not take further court action. They said that they were n't sure if the group of lawyers would agree, but that they normally do if we promise to payoff the debt in full with in three months. They said we would have to make {$200.00} payments each month until we pay the full amount within the three months. 
I found this completely disturbing since I had already initiated payment after the first letter. I felt they were trying to intimidate to demand payment faster. As a mother of XXXX small children who were home with me I truly felt harrassed and threatened in my own home. I want to settle this and find the best solution to a horrible situation. I have also realized making any payment without a written offer is foolish and I have no written agreement from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car loan is due for the XXXX payment in the amount of {$380.00} due on XX/XX/XXXX. I made an electronic payment of {$390.00} ( via XXXX web bill pay ) to Kia Finance America on XX/XX/XXXXXXXX  from my XXXX checking account ( my bank shows this payment posted for {$390.00} to XXXX XXXX XXXX on XX/XX/XXXXXXXX  ). Yet, Kia still has not posted this payment and is showing that I am 11 days past due. I have filed a complaint with Kia on XX/XX/XXXXXXXX  under confirmation # XXXX. I also filed a complaint with XXXX. I am very concerned because Kia shows I am due for XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  payments now. I am very concerned about Kia showing I am past due, having late fees improperly assessed, negative impacts reported against my credit and the proper handling of future payments to this company! Please help me to get my payment posted to my account. I have contacted Kia 4x about this with no resolution yet. I attached proof of my posted payment and what I received from 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 2020-03-14
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have previously wrote XXXX XXXX. Stating my health insurance will pay and the company must file my health insurance. I disputed the claim about the amount owed numerous times to XXXX. I asked them not to reach out to the credit bureaus because I disputed in the recommended time frame. I asked them to send me documents such as a signed contract stating I owe XXXX. They never sent it to me. However XXXX  sent a collection to the credit bureaus and I will like for them to remove the negative information ASAP ... 

The company in question is XXXX XXXX Located in XXXX SC XXXX is the account number

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 2019-10-03
Company: WELLS FARGO & COMPANY
State: AZ
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:
Last week around or about XX/XX/2019, XXXX XXXX employee cashier told me that XXXX XXXX card is a soft inquiry. I applied on cashier 's little machine and denied. 
Next day, on XXXX XXXX, a hard inquiry showed up for XXXX XXXX Wells Fargo. 
I filed a complaint with CFPB and told they responded and argued and argued against me- I told Wells Fargo , there is no law that says you can lie to consumers. Consumer Fraud. 
I was sold on a XXXX XXXX card for a soft inquiry and got nailed for a hard inquiry that really hurts my credit. 
XXXX XXXX card is thru Wells Fargo. 
There is no law to support their claim.

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 2023-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I opened a Chase checking account in XXXX, XXXX Also, on that date I deposited XXXX checks, XXXX for {$2700.00} and the other for {$1400.00}. Both checks were put on hold, but both checks cleared by XX/XX/2022. 
On XX/XX/2022, I became locked out of my Chase checking account. I called Chase, and they told my that they froze my account because they suspect fraud. Both checks are legitimate, and XXXX is from my current employer which has more than enough funds to cover the amount of the check. The only thing suspicious is that it is a new account. The checks are from Chase and XXXX XXXX, both real banks with real accounts. 
At this point, I do not have access to my Chase checking account or the money in the account. I don't have a way to deposit the checks in another account because the checks are frozen by Chase. 
At this point, I would be out of {$4200.00} without a resolution. The deposited checks are not fraudulent, but Chase said that they could keep the account frozen indefinitely. 
Please help!

Company response to consumer: Closed with explanation