BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: Medical Data Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Talked to Medical Data Systemns around XX/XX/XXXX. Asked them if I pay off acct. could they delete medical collection from my credit reports? Oh yes she said. The credit bureaus will have deletion letter by XX/XX/XXXX. I call all XXXX credit bureaus around XX/XX/XXXX no they have received anything. I called XXXX well I sent it the supervisor XXXX says. Call XXXX  again 3 more times no they have not received anything.Finally filed a dispute against them they reported back to bureaas account was not paid. It showed a XXXX balance for a couple of days but then reaapeared.And it showed the total amount. that I started out with {$7300.00}. I attached a copy of bank statement proving it was paid on XX/XX/XXXX. I paid payments on acct. for all of XXXX up until XX/XX/XXXX {$200.00} a month. Balance started out at {$7300.00} and got it paid down to {$4700.00} when it was paid off. I want this removed from my credit reports immediately exactly like they promised. Why are they fooling around with people 's lives like this? I am trying to get a mortgage and this is the only thing holding me back. I am going to get in touch with XXXX XXXX XXXX the originial vendor. We will see what they have to say. I so desperately need help. They are just making me go around and around like they are playing a game, Please help me?

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 2020-03-03
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I applied for a primary home refinance with Navy Federal Credit Union and were assigned a processor on XX/XX/XXXX. We were warned by Navy Federal Credit Union at the time of application that the volume was heavy and the average wait to close was about 82 days. We complied with all the required processing procedures in a timely manner, yet after waiting over 150 days, we still hadn't closed or got any formal resolution of our application. Still no formal response from Navy Federal to date. We finally received an email from a newly assigned Navy Federal Processor on XX/XX/XXXX stating that our application was " submitted to the Credit Committee as is '' and the date to have all items successfully received into the file was XX/XX/XXXX. " You are welcome to reapply in the future if you wish to proceed. Upon contacting the originator of this email we finally made phone contact with this processor. She told us that the application was incomplete. Asking her exactly was incomplete about it, she thinks that it was just incomplete due to poor communication between us and the processor. I can tell you we always responded to any request about this application in a quick thorough timely manner. Any lag time in anything was due to Navy Federal 's poor processing actions, not ours. We Have requested a formal written response as to why we haven't closed to date ( XX/XX/XXXX ). We got a voicemail from someone stating she was Navy Federal Supervisor XX/XX/XXXX which just stated " if you still desire further correspondence regarding the previous loan application her number is # # # # # # # # # #. Please give me a call if you want to reapply and there is no waiting period for you to satisfy ''. I have left 2 messages since this message was received and I have yet to get any response. In the mean time I have decided to initiate a loan with another company on XX/XX/XXXX. Perhaps our situation can help others in making a better decision when considering using Navy Federal Credit Union in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX  I inquired about a payoff with XXXX XXXX for a XXXX XXXX, which was purchased during my marriage. At the time, I wrote the bank a check for the stated payoff amount, was assured that the account was satisfied and the title transferred. 

Months later, a {$1300.00} balance appeared on the account and continues to bog my credit report. I transacted the final balance and in good faith, with the information that was provided to me by the creditor. I have made multiple attempts to dispute the charges through various credit repair apps, and have always been rejected. 

Furthermore, the debt has been " written off '' from their perspective. While this is not an admission of their guilt, it certainly speaks to a lack of desire to collect the balance.It was not written off until I began to dispute the charges via XXXX XXXX. I believe the write off was a decision to get their mistake off of THEIR books, while continuing to bog down my credit report. 

I maintain that I do NOT owe Ally Financial for this balance. I believe, but can not prove due to a lack of transparency by the company, that there was a processing DELAY that that was THEIR RESPOSIBILTY, and that they are unjustly and potentially illegally damaging my credit status.

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 2022-12-12
Company: EQUIFAX, INC.
State: TX
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 2023-06-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This complaint is to ensure that Chase Bank ensures proper handling of an initial and unauthorized recurring charge claims to my account by Lawnstarter.com. There are XXXX claims. XXXX claim is for {$23.00} debited from my account on XX/XX/26 & {$55.00} debited from my account on XXXX. On Friday, XX/XX/XXXX I inquired about lawn service for Sunday XX/XX/XXXX. On the morning of XX/XX/XXXX I called XXXX XXXX  to ask why no one came on Sunday and to advise that I was no longer interested. I was left on hold. After being left on hold I cancelled the service online on the morning of XX/XX/XXXX. Since then the XXXX XXXX company has continued to show up at my home and bill me while ignoring my service cancellation request. My lawn has been cut by my regular lawn service company. I never agreed to or signed up or signed for a XXXX minimum cut term. Nor have I ever received any terms and conditions stating such. Please see the attached email correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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:
I am submitting this Complaint to demand that the Credit Reporting Agencies correct their reporting on my Credit File. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. My information has been exposed in the Equifax data breach. The following account, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Also this account was previously removed and yet the Credit Bureaus reinserted the account without letting me know. Under the Fair Credit Reporting Act, the Credit Bureaus are required to let the Consumer know about an account 's reinsertion on their Credit Files, however, the Credit Bureaus disregarded these responsibility and continued to reinsert the account without my knowledge. I need the Credit Bureaus to correct their reporting and Completely remove the disputed account off of my Credit File as soon as possible. The account XXXX XXXX account number XXXX with an alleged Balance : {$15000.00} must be removed completely from my Credit File for erroneous and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Booked XXXX prepaid trips with XXXX XXXX XXXX for XXXX and XXXX, In XX/XX/XXXX they sent out notifications that they were closing and no refunds were available, this affected over XXXX people. Auditors found that XXXX XXXX XXXXXXXX used the funds to purchase XXXX, which was fruadulent. Filed with Bank of America as fraud, denied, refiled. 

Claim # XXXX XX/XX/XXXX Claim # XXXX XX/XX/XXXX XXXX XX/XX/XXXX Claim filed and denied, called to re-open claim 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 2021-11-24
Company: Experian Information Solutions Inc.
State: PA
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 sent several certified letters to the credit bureau in regards to this matter and received no response. I also submitted a few CFPB complaints. The account was only updated instead of deleted. XX/XX/XXXX I financed a new vehicle through XXXX XXXX who is owned and operated by XXXX. The payments on the loan are so high almost unpayable I have defaulted. The class action lawsuit against XXXX has officially been settled. Because I have defaulted on my loan as of XX/XX/XXXX I qualify for relief. Thats relief is stated in the court documents below. I have also filed a complaint with my states attorney general in regards to the settlement. THIS ACCOUNT IS UNDER LITIGATION FOR PREDATORY LOAN PRACTICES!!!! It should be deleted from my credit profile instead of updated which it states in the court documents! Below I have attached the case files in regards to the lawsuit. This is a court order to DELETE not update!

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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.

The letters are stated with items and issues.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: WELLS FARGO & COMPANY
State: WI
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:
On XX/XX/XXXX I filed a dispute with the XXXX XXXX XXXX XXXX department disagreeing with the items appearing on my credit report that are not in accordance with the FCRA act. I have not gotten any update or acknowledgement of my dispute. 

XXXX XXXX XXXX - XX/XX/XXXX Wells Fargo - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions.

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 2023-06-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my complain for you to notify some information on my file that are seems to be erroneous. It is a requirement by law 605b of the FCRA to remove some inaccurate items that are fraudulent. Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. These are the following inaccurate items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX XXXX ; XXXX XXXX  XXXX Balance : {$0.00}. 
XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2021-10-11
Company: RIA FINANCIAL
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I have transferred {$800.00} to XXXX on XX/XX/ XXXX RIA took {$800.00} along with their fee ahead of time. 
Then I transferred {$1000.00} on XX/XX/XXXX for medical treatment. RIA took {$1000.00}, along with their fee on XX/XX/XXXX. However, Money did not go through until XX/XX/ XXXX I asked them to cancel, they did not cancel. So, I tried to resubmit and this time the money has gone through. However, they already took the money on XX/XX/ XXXX 
Surprisingly, RIA took another {$800.00} and {$1000.00} from account on XX/XX/XXXX. Please see attached from my bank. 

In short, I transferred a total of {$1800.00} plus {$2.00} fee, in total {$1800.00}. All the money was paid by me and my recipients also received their currency for {$1800.00} as {$2.00} is RIAs fee. 

But RIA has taken out the money twice from my account for a sum of {$3600.00} Since XX/XX/XXXX, I have written may correspondence and It seems they are trying to harass me and did not pay my money as to today XX/XX/XXXX, XXXX, My money was not returned. I have written so many times, I tried calling them, each time I had to wait for 30 -50 minutes and then they disconnect the call. 

Now, I will miss my mortgage payment, I must pay the bank fee for overdraft and tried to stop payment, did not work, but I have to pay the fee. RIA is responsible for these fees. RIA must refund my money immediately along with these fees incurred or will incur for their Ill business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: SC
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:
I have reached out to Experian, XXXX, and XXXX XXXX by phone call to address the issue about how they have violated my rights according to the FCRA. 

15 U.S Code 6801-Protection of nonpublic personal information 15 U.S Code 6802-Obligations with respect to disclosures of personal information 15 U.S Code 1681 Also I have not given none of the Consumer reporting agencies written or verbal consent and was never notified that my private information would be reported or used in any way.

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 2019-07-01
Company: Freedom Mortgage Company
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 I sold my house and Freedom Mortgage loan number XXXX was paid off. On XX/XX/2019 Freedom Mortgage disbursed the balance of the escrow account to me. On XX/XX/2019 Freedom Mortgage received {$510.00} from XXXX XXXX company for the balance of the homeowners insurance that was disbursed to them prior to the sale of the home. 

The first week of XXXX I called Freedom Mortgage and asked them to release the funds to me. I called again the third week of XXXX as they had not released the funds though they had promised to cut a check on the XXXX. I called again on the XXXX and they assured me the check would be cut on the XXXX. It is now the XXXX of XXXX and they have still not released the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a check for XXXX  $ on XX/XX/XXXX, bank put it on hold until XX/XX/XXXX. Asked them to release at least part of it and got declined

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