BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
I sold my property and Im trying to pay off my HELOC and the Bank Of The West transfer to BM old bank and I was told that I can not pay it off until the XX/XX/XXXX date because they were doing a transfer of banks. When I tried to call and pay off my loan they have done everything possible to not allow me to pay off my loan. I have called Now four times and they have made it virtually impossible for me to get my new account number so I can pay off my loan and Ive also asked them to fax to the escrow office the payoff which they have not. I have now incurred interest for over a week due to this transfer of bank and also have lost interest on my money that the escrow is holding over {$60000.00} in excess of my alone amount.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove the items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items 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 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to remove with 100 % accuracy that each items are being removed. If you do not provide any records & claim the items are remove, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2020-04-16
Company: AR Resources, Inc. (FL)
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife went for a routine XXXX exam at XXXX XXXX XXXX   XXXX, like she does every year, which is covered by my employer-sponsored insurance policy through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of New Jersey. XXXX XXXX XXXX XXXX used my wife 's drivers license and insurance card to verify her insurance coverage, as they do every year. About three months later, we received a collections notice in the mail from Ar Resources Inc.,  stating that we owed {$130.00} for the XXXX exam. We never received any actual medical bill for this service - only a collections notice, which had already harmed our credit rating! 

My wife immediately called XXXX XXXX XXXX  XXXX and spoke to 6 different employees there, including a manager who informed us that this was a billing error on their part and that they had incorrectly transcribed her XXXX XXXX account number. The manager 's name was XXXX, and she said she was sorry that this happened and that she would ensure that the bill was resubmitted to XXXX XXXX with the correct information this time and that she would also call the collections agency to halt the collection and prevent it from harming our credit record. Based on this conversation, at this point, my wife believed the issue was resolved. 

However, six months later, a negative credit notification showed up on our XXXX / XXXX credit report. There was minimal information available on the XXXX report. We conducted a XXXX search and contacted the collections agency, leaving multiple messages. We got through one time to someone and disputed the matter, as the debt collection was in error and improper. We additionally contacted XXXX XXXX XXXX  XXXX yet again, who stated that the matter had been resolved by our insurance company and paid long ago. 

However, the debt collection has still never been cancelled and continues to show up multiple times on our credit report. Now, we have suffered a legal harm from both the Ar Resources Inc. and XXXX XXXX XXXX XXXX failing to remove this fraudulent collections activity on our report. We have always had an excellent credit rating. Her credit rating has now dropped 100 points due to this fraudulent collections activity, and mine has dropped from a XXXX to a XXXX score. This is currently preventing us from being able to refinance our home for a much lower 30 year fixed mortgage rate. 

We demand that XXXX XXXX XXXX XXXXXXXX and Ar Resources Inc. immediately remove this fraudulent collections activity from our  credit reports, and we request that the FTC either investigate both companies for illegal billing and consumer fraud activities or refer such investigations to the appropriate governmental department or local authorities.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals sent. No response has been received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be deleted immediately : XXXX XXXX XXXX # XXXX XX/XX/2018 {$8900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There are account on my credit report that I no knowledge of.

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 2020-04-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the mortgage refinance application on Mon, XX/XX/2019. I have provided a mountain of documents and we still have not closed. Wells Fargo mortgage staff has been very courteous and have apologized over and over. I was initially told I would close by XX/XX/2019. 
The loan officer told me this has been sent to upper management due to the length of time. That was more than a week ago. It has supposedly been in underwriting for over a week but they still can't tell me a closing date. They keep digging up random old things on my credit report and making me prove a negative ( that I don't have whatever it is ). For example, they asked me to prove I didn't have a foreclosure -- -on the house I currently live in. I provided years of mortgage information and countless statements. I don't have any late payments and have a XXXX  FICA score. They wanted me to prove I didn't have a foreclosure. I have to give my existing mortgage company ( XXXX ) permission to speak to them so they could tell them I don't have anything like that in my file. This is insanely frustrating and by their own admission is terrible. 

I don't want to risk retaliation ( a " no '' from underwriting '' ) but I have to say something because this is absurd. XXXX has been particularly helpful and very empathetic. I do not think this is her fault or XXXX ( the other loan officer ). They are good people but this system has major flaws.

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 2019-01-31
Company: EQUIFAX, INC.
State: MI
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:
As stated before about my identity theft that took place in XX/XX/XXXX. I was awaiting on validations on original handwritten signatures and a copy of contracts on 8 creditor accounts appearing on Equifax and XXXX  credit reports. Since the previous dispute found on complaint reference # XXXX to XXXX  and on complaint reference # XXXX to XXXX  XXXX XXXX XXXX- ( Act. # XXXX ) was the only creditor able to validate themselves with my original signature and original contract information. 

As a result of original dispute, XXXX, rightfully, according to my legal rights through section 609 of the Fair Credit Reporting Act deleted these 7 accounts from Its credit reporting because they were not able to produce the original handwritten signature or/and the original contract needed. 
These are the accounts they deleted as being non-valid and possible fraud : XXXX XXXX XXXX . XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 

Account below should be already deleted since no original signature and original contract has been shown for : XXXX XXXX ... Act. # XXXX Since the original dispute I needed an original hand-written signature and the original contract within 30 days of the time the dispute was made according to my rights shown in section 609 of the Fair Credit Reporting Act. 
I already asked, since XX/XX/XXXX that you send me copy of my authentic signature and the original account contract for these account ( circled in attached credit reports ) : Since an original signature and original contract were not able to be shown within the time frame given there is a breach with the legal code of section 609 of Fair Credit Reporting Act. 
I'd request both EQUIFAX and XXXX  to follow in agreement with XXXX  and delete these creditor accounts from their reports as well. Right now your reports are in discrepancy with how XXXX  is reporting with 7 of these 8 creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I made a deposit of XXXX AUD to Gemini Trust company. Due to Geminis wire processing restriction, the funds were held as the sender 's name was my bank 's name instead of my name. 

After communication with Gemini Trust company, they promised to initiate the funds returning transfer on XX/XX/2021. However, on XX/XX/2021, I received a reply email from Gemini Trust Company saying they are still working to investigate this issue. 

The funds returning process should be very straightforward since they already got all my details. For some reason, the funds have been held by Gemini Trust Company for nearly TWO MONTHS.

I hope Gemini Trust Company are holding these funds without any self-beneficial purposes as I wish they can grow like other company in the same industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: MO
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:
This is a duplicate information - the same loan is posted more than once by the same lender, it shouldn't be listed as multiple accounts. Please remove the excess lines.. FCRA protects consumers against the misreporting of data on a credit report that includes multiple listings. Equifax and XXXX didn't have procedure in place to ensure accuracy. Mistakes can happen I understand but this one, I couldn't slip away, Please rectify quickly US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX XXXX US DEP ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NV 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 2023-08-19
Company: Genesis FS Card Services, 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: Account status incorrect

Complaint:
There are at least five accounts on my credit report that are showing up to 18 late payments. XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX . XXXX. XXXX XXXX XXXX. XXXX. Indigo Credit card. It all started during the beginning part of COVID-19. When my jobs started shutting down, I called all of these Credit card companies and told them that I was being affected by this virus health wise and financially. I don't know what has happened, but my credit report is showing that I have 18 late payments!! OMG! I also called and told them that I lost both of my parents last year. We weren't expecting my father to die, but we suffered his loss as well. I tried explaining this, but it didn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted this complaint AGAIN to update this suspicious information. The 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-04-21
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made 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 explanation
Consumer complaint received 2022-03-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was not aware or informed of the closure of my Chase Freedom Account until I tried to make a purchase and was very upset because of the inconvenience. This closure has also had an affect on my Credit. I am a single mother of 4 and work hard. I've had financial hardship and I have still been making payments once and sometimes twice a month. I have scheduled monthly payments as well with a Chase representatives to pay down my account balance and none of the Representatives is able to tell me the date of closure and the reasoning why the account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TD BANK US HOLDING COMPANY
State: HI
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 got a text from TD Card Services saying that someone made a purchase at XXXX using my TD Card. I immediately called and told them that I did not make the purchase. They said that it was too late as it was already approved. I couldn't get them to call XXXX and stop the transaction. They said that it was a job for law enforcement. They cancelled my card and removed the charge and issued a new card. Several weeks later I received a letter that stated that an investigation showed that there was no billing error and they added the charge onto my new card. I called TD Card Services and told them that it was not a billing error, but a fraudulent purchase. They said that I would have to take it up with XXXX and gave me a XXXX number to call. When I reached out to Apple they didn't understand why TD Card was charging me back the charge as they had it flagged as a fraudulent purchase and refunded the money to TD Card. XXXX told me that there were many of these fraudulent purchases in XXXX by the same individual. They would purchase an XXXX online, to be picked up at the XXXX XXXX, then change the pickup name to their name and go pick it up. That process takes some time, so had TD Card made a call as I asked them to it could have been stopped. The rep at XXXX instructed me to call back TD Card Services and give them their number XXXX and order number XXXX and they would tell them that it was a fraudulent charge and that the funds were returned to TD Card. I did that but they refused to remove the charge from my account. I have a police report XXXX filed with the XXXX Police and a detective assigned to the case. That information also didn't help me get the charge removed. They have the phone serial number. They could easily track it's location. I don't understand why TD Card refuses to remove the charge when they got their money back from XXXX. Are they really trying to profit from a fraudulent charge?

Company response to consumer: Closed with explanation