BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: Experian Information Solutions Inc.
State: NC
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:
Ive noticed unauthorized inquiries on my report that I wanted off. Ive filed police report & mailed everything XXXX  told me to mail. STILL THERE. I would like all 8 removed immediately

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 2021-08-27
Company: EQUIFAX, INC.
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:
1. Equifax sent response that XXXX XX/XX/XXXX was not currently showing. 

2. Received report today dated XX/XX/XXXX, which still has XXXX hard XX/XX/XXXX inquiry. 

3. Telephone number ( XXXX ) XXXX next to my address is not correct. Again this number was never my phone number but that of a neighbor same address - XXXX  XXXX with the same last name. 

4. I can not dispute it online because it does not show up. It only shows up when you order a report by phone.

5. I can not speak to a representative because they say I am not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Harrison Financial Group
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
To whom it may concern, On XX/XX/XXXX, I discovered that two of my checking accounts were restrained, at the request of Harrison Financial Group, for the amount of {$15000.00} each ( for a total of {$31000.00} ) based on a Default Judgement of {$8700.00} issued in XXXX XXXX, NY. On XX/XX/XXXX, I submitted the Exempt Funds forms to the two banks in question ( XXXX XXXX and XXXX XXXX ), requesting that the funds be released while I obtained legal counsel. While awaiting a hearing pursuant to a Order to Show Cause, we were informed by the plaintiff 's counsel on XX/XX/XXXX that the funds were garnished on XX/XX/XXXX from the XXXX XXXX  checking accounts to satisfy the satisfy the judgement. A Satisfaction of Judgement was provided to me by the plaintiff 's counsel. I submitted a request, accompanied by the Satisfaction, to the two banks to have the remaining restrained funds released on XX/XX/XXXX and again on XX/XX/XXXX. 
As of XX/XX/XXXX, the funds have not yet been released nor have I received a reply other than to instruct me that the Release has to be sent by the Plaintiff 's attorney. The Plaintiff 's attorney ( XXXX XXXX, Harrison Financial Group ), was notified as well on those dates and has not followed through with submitting the requested documents to the two institutions.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-23
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:
I deposited a {$9500.00} check on XX/XX/23 at XXXX : XXXX XXXX. No one at the branch informed me that the check would be placed on hold. Indeed the teller advised that the fund would be available by midnight. Then I got an email from the Bof A that they are placing the check on hold until XX/XX/XXXX. I contacted the bank, and XXXX XXXX XXXX XXXX said that he saw the deposit was made at around XXXX XXXX, and that's why the system placed it on hold. I discussed the matter with supervisor XXXX ( XXXX ), who referred to an agreement. I was making large deposits previously from the same company and never had an issue like this one. 
I have bills to pay, and now I am stuck with no funds, and the bankers don't care besides saying sorry and advising me to use funds from my other bank accounts. 

This is unacceptable.

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 2021-08-27
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I've been in the process of closing with Chase Bank for weeks. The last week or so, they have been less responsive and lacked communication when it comes to matters of closing. I was supposed to close on Friday, XX/XX/XXXX at XXXX XXXX  CST ; they were in the process of reviewing my final disclosure for days. They were late and unresponsive with getting this completed on time, even after pushing back closing to XXXX XXXX  that same day. Now that I've rescheduled the closing to Monday, XX/XX/XXXX at XXXX XXXX, they still do not have any idea on when they will have everything ready for closing, even after assuring me that it would be ready. It seems like they do not care about when things get done and how it is effecting their customers and others. Their lack of judgement and communication is going to cost myself and the sellers money to adjust to this, as well as lost work hours for myself. This is unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
I am a victim of identity theft. I was not aware of and I did NOT give my consent or authorization to report to ANY third party. 

Reported Items that need to be deleted : XXXX XXXX XXXX ( closed account ) XXXX XXXX, XXXX reported XXXX XXXX XXXX  ( closed account ) XXXX XXXX, XXXX reported XXXX  XXXX ( closed account ) XXXX XXXX, XXXX reported XXXX XXXX XXXX ( charged off account ) XXXX XXXX, XXXX reported XXXX XXXX  XXXX ( closed account ) XXXX XXXX, XXXX XXXX  XXXX ( closed account ) XXXX XXXX, XXXX reported XXXX XXXX XXXX XXXX ( incorrect balance, account in dispute with creditor ) XXXX XXXX, XXXX reported XXXX XXXX XXXX  XXXX ( closed account ) XXXX XXXX, XXXX reported XXXX XXXX XXXX XXXX ( closed account ) XXXX XXXX, XXXX XXXX XXXX  ( closed account ) XX/XX/XXXX reported XXXX XXXX XXXX XXXX XXXX closed account ) XXXX XXXX, XXXX reported XXXX XXXX XXXX XXXX XXXX closed account ) XXXX XXXX, XXXX reported Inquiries that were not consented to : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did NOT give my consent for ANY of the above listed companies to report ANY of my personal and private information with the credit reporting agencies. This needs to be deleted immediately.

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 2023-02-01
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 I closed on a house and the funds to pay off the mortgage were sent to BSI Financial through the title company 's bank. 12 days later, BSI returned the funds. The bank verified the info and resent the funds. 10 days later, BSI returned the funds again. The wire listed the loan number, name of holders of loan, address of property. After several phone calls, BSI confirmed that wiring info was correct and that they had received the funds all 3 times. They are saying that not all the info is on the wire, but it follows the wire instructions provided by their company, gives the loan info to locate the loan, and pays off the mortgage in full, and they were able to identify the wire as being associated with my mortgage. BSI is refusing to accept the funds, will not talk to the title company or sending bank, is telling me they see the money but will not apply the funds and will not tell me why. After many phone calls, they are now saying the sending bank is missing info which is not correct and not listed as necessary info on their own payoff instructions for wiring funds. They are also holding the funds for at least 10 days or more at a time before returning the wires and are saying they are going to hold this 3rd wire for 10 days as well, all while charging me interest for at least 32 days total. All I want to do is payoff my mortgage and BSI Financial is refusing to allow me to do so. They have verified they received the funds and verified the info is there. They are making excuses that my full name is not on there because both borrowers share the same last name and the wire lists XXXX XXXX XXXX XXXX rather than XXXX XXXXXXXX and XXXX XXXX. It is clear that this lender is more interested in charging undue interest and are refusing to lose this loan by having it paid off. They also refuse to escalate the issue and hang up on me when I ask to escalate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
As a consumer in natural person I am aware of all the rights that I have and which are protected by The Congress under the Fair Credit Reporting Act. 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 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 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 2023-08-29
Company: CCS Financial Services, Inc.
State: PA
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:
On or around XX/XX/2023, I reached out to XXXX asking for validation letters stating that collection accounts do not belong to me. 
XXXX XXXX XXXX ( XXXX XXXX ) Credit Collection Serv ( XXXX ) XXXX ignored my request and accounts are still reporting negative on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made an online purchase through PayPal. I did not receive the items purchased and can not get the seller to respond. I started a claim through PayPal, but chose the wrong issue. They closed the case and I can not file another for this transaction. 

Purchase date : XX/XX/2023 Seller XXXX XXXX XXXX : XXXX Transaction ID XXXX Disputed Claim ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
From- XXXX XXXX XXXX , for Dispute Case # XXXX XXXX XXXX ( Money Network ) Thank You in advance for help. 
I received a EIP Stimulus payment of XXXX on a Visa. Went shopping and could not locate card. 
Gave it a day to see if card by chance turned up. Still no card. So I immediately called XXXX XXXX  Customer Service and reported card lost. Also asked for a duplicate at this same time. 9 days later received card and checked balance. Very bad news/only XXXX Someone got a hold of my card and fraudulently charged XXXX at various stores. I never gave permission to anyone at anytime for card use. 
I immediately called XXXX and reported now stolen of course. Also made Police Report same day. 
I've done everything by the book meaning all time restraints given as well constant contact. 
They have by accident or maliciously given me wrong application info, etc. so as to create a better outcome for them. 
I am XXXX on very little income and have already spent roughly {$50.00} on mailings and Faxes dealing with them. Please help me, Respectfully Submitted, XXXX XXXX XXXX * Feel free to call anytime if needed for questions ( 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 2023-06-14
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering err oneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NY
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:
I have put in several complaints against XXXX and Experian. They refused to move false information off of my report. They failed to do their investigation. They lied and said that the information was verified by the company. The Company, XXXX XXXX state that they dont have any records of me having a lease or financial account with them. On my report for XXXX and Experian. It states that I made payment to XXXX XXXX and that I have a balance of approximately {$11000.00}, which is false information. This account does not exist. XXXX and Experian have violated my consumer rights. This will be my last complaint to the CFPB. If this matter is not handled after this, I will filing a pre lawsuit against XXXX and Experian

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On 2017 I opened up a bank account with Wells Fargo that was supposed to be free since, I had my home load as & the checking account was complementary. Months later, my account was at a negative because they had been charging banking fees, when it was supposed to be a free account all along. They closed the account without my notice.

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 2023-10-22
Company: EQUIFAX, INC.
State: AL
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:
Know action has been taking by XXXX, Equifax, XXXX on updated information, deleting inaccurate information and updated report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Some unknown person open up accounts in my name without my permission.. such as XXXX XXXX XXXX XXXX/CHARGEOFF AND XXXX. Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, 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 2022-07-23
Company: Experian Information Solutions 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 non-monetary relief
Consumer complaint received 2021-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I called bank of America about my stolen edd debt card someone had ran up {$7000.00} worth of purchases on my card it took them 2 days to dismiss the report.

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