BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person

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 2020-11-19
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:
My wife and I are trying to get a mortgage for a primary residence and the credit bureaus are reporting a bankruptcy on my credit report. I disputed this matter with all 3 agencies. XXXX  investigated the matter and removed the item. XXXX  states they investigated the same matter, stated it was accurate and will not remove it. I contacted them via phone, and they instructed me to contact the bankruptcy court. The clerk indicated that their investigation would involve matching signatures. However, that filing has an electronic signature that can not be verified to be valid. ( Please see my attachment from the federal court which does not allow electronic filing without permission from the court ) I then called XXXX again to explain my findings and again dispute this matter. I asked for the details of their investigation, a copy of the bankruptcy document which includes my signature according to Section 609, Fair Credit Reporting Act. They refused stating that they have no documents within their company detailing their findings. This was reported to them by a 3rd party and they would not reveal their identity or furnish proof. I explained that in 2017 I lived in NJ ( XXXX miles from Nevada ), I had NO debt that would justify a bankruptcy, nothing with my signature to prove the validity and this, coincidentally, is the year in which Equifax had a data breach. I also attached a report of 21 people, found in one search, named XXXX XXXX here in the US. I also offered the confirmation from XXXX  who also investigated and found this to be incorrect and removed the item immediately. The supervisor was determined not to furnish me with proof, the 3rd partys name or consider the facts I supplied even after quoting my rights under Section 609, FCRA. It is a statistic that 1 of 5 people have an error on their report. I have the opportunity the purchase this home for my family but may lose it due to credit bureau red tape and intolerance. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Good evening, I have tried to delete the bankruptcy included on my credit report due to inaccurate and erroneous information presented on my file. My name is XXXX XXXX and not XXXX XXXX XXXX. In addition, my address is XXXX XXXX XXXX, XXXX California XXXX and not XXXX XXXX XXXX, XXXX California XXXX. The bureaus agencies continue to claim that they have verified the information with the Court but that is completely false ; therefore the record must be deleted immediately from my credit report. Based on the FCRA, any inaccurate or false information must be removed from the credit report, in this case the bureaus lied about verifying the information with the court but the court sustained that they do not report bankruptcy or public records with the bureaus ; therefore, the bureaus are lying or the court is making false claims which I personally believe is not true. The court would never make such a claim but the bureaus do make false verifications to impose their will and damaging my credit worthiness. If you have any additional questions, please contact me at XXXX at your earliest convenience. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no idea who this company is they just reported on my credit report that I owe them $XXXX.  This may be an all debt from XX/XX/2014that they said but it’s affecting my credit like it’s a new debt. I don’t even know why I received this bill back then when my insurance should of covered it. All they are doing is messing up people’s hard work in fixing their credit. This should not have a new negative impact on my credit after all the time I spent to get rid of it. It’s not fair to consumers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A wire transfer was sent to American Express Savings Bank on XX/XX/2019 of approximately {$8.00} million to be credited to my account from stock sale proceeds. American Express refused to credit the funds to my account, insisting that they needed a confirmation from XXXX XXXX before they would credit the funds to my account. I am losing {$400.00} a day in interest and being treated like a criminal by American Express Bank. I have talked to people at XXXX XXXX, the bank that sent the wire transfer, and they stated that they have never heard of such a confirmation being required.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-03
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of last year I got insurance of my home. The mortgage company XXXX sent a check for the payment in amount of $ XXXXThe check never reached my insurance co.so I called XXXX and they issued another check which did get there. The first check went back into my escrow on XXXX XXXX. In XXXX my mortgage company was changed to Loancare . In XXXX of this year XXXX sent a request to Loancare for  {$1000.00} for an error in XXXX of XXXX. Loancare sent the money leaving my payment that was auto withdrawn for XXXX short. Which made my payment late because I did not learn until later that this money was taken. I have been calling so many times to find out what was going on. Each time I called I received different answers. I called today XX/XX/XXXX and XXXX told me that the money went back into my escrow on XXXX XXXX. They said they would never call another company for the money. Today Loancare said they did get the money. I don't know what is going on and would appreciate anything that you could do to help me resolve this issue.

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 2019-08-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am trying to buy a house and my lender is unable to pull my credit from Equifax.I both have made numerous calls to Equifax since XX/XX/XXXX to clear up any issues. Equifax says that there is no block on my credit. My lender has reached out to his vendor as well yet the error still remains the same. I just got off the phone again today XX/XX/XXXX and the woman on the phone said there was nothing else she could do then gave me a number to customer service that could. I called the number and it was no longer in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Experian Information Solutions Inc.
State: OR
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:
My first problem is in regards to 2 of my 4 loans, which were originally with XXXX XXXX. They were in forbearance when XXXX took over servicing in XX/XX/XXXX. Two of my loans were listed as having been 60-89 days late, but the other two not. This makes no sense, as I do n't pay these loans individually ; they are all serviced under one umbrella. I 've been told by many different representatives that this was a clerical error, a problem during the transition, etc. I 've submitted documentation supporting my claim ( letters regarding approval of forbearance, the length of it, etc ), but they have not corrected the inaccuracy. The second problem applies to all of my loans. I was on maternity leave in XX/XX/XXXX, and had my loans in forbearance while I was not working. During this time period, I received several calls from agents stating that my loans were past due and I needed to make a payment immediately. I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and each time I was assured by the representative I spoke with that nothing negative had been reported to the credit bureaus. Nevertheless, my credit report shows all four loans as having been 90-119 days late. I 've submitted documentation supporting my claim, but XXXX has not corrected the inaccuracies. I 've been consistently making payments for over 10 years now, with the occasional forbearance when in between jobs/illness/family issues. I 've provided documentation that XXXX has made mistakes, and yet they refuse to correct them. I 've tried communicating directly with them, and also submitting disputes with the credit bureaus, but ca n't seem to get anywhere. As a result of their errors, I have had to pay higher interest rates on loans, and in some cases was denied outright. I 'm really hopeful that perhaps the CFBP will be able to get farther on this issue. Thank you for your time and help.

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 2019-10-22
Company: EQUIFAX, INC.
State: MD
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:
I can not dispute item and my report has duplicates where they pages are repeating themselves and appears to be very long

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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: Information is missing that should be on the report

Complaint:
To whom it may concern, My name is " XXXX XXXX XXXX '', I have been trying to request investigation and removal of inaccurate items in my credit report but none of my affords have been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 
**Address reported** XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX These addressed are not belong to me XXXX i have attached proofs of my current address below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX How can there be XXXX $ monthly payment on a charge off and closed account. DELETE IT IMMEDIATELY!!! 
XXXX hard XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _CREDIT PLUS Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX BANK XXXX : XXXX. XXXX, XXXX All Banks UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _UNIVERSAL CREDIT SER Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. I also never receipt any writing mailed disclosure about this report according to XXXX XXXX XXXX ( a ) XXXX requires early warning notice ONLY after they have notified said person before it is placed on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had lost my debit card I believe in the XXXX of XXXX but didnt realize I had lost it due to not going out and shopping due to the pandemic. I then got a notice that my account was close to being overdrawn so I looked at my account and saw that someone had been using my debit card on the XXXX, XXXX, and XXXX, making purchases of {$330.00}, {$400.00}, {$600.00}, {$800.00} and more without me doing so. I called J P Morgan Chase and canceled the card and reported it as fraud. I called on the XXXX when I got the notification. I was told that day that the funds would be put into my account in two business days. Two days passed and they told me again, it would be another two days but said I would receive the funds back. After those two days I was told AGAIN that it would be longer. The XXXX of XXXX that I would receive my funds. That they GUARANTEED I would get them back. On the XXXX of XXXX I get a letter saying they will not reimburse the money due to me not calling sooner about my card being stolen snd because someone used my card as a debit. Which when I called I stated Ive read numerous articles that PIN numbers get stolen and hacked all the time and that this was ridiculous. That Im now out {$3500.00} during a pandemic and out of the country snd they didnt care. Gave me the lame reason of not calling sooner about my card and now Im literally broke. This is unacceptable and makes no sense as I didnt make the purchases and was told I would receive the money and HAVE NOT. With them refusing to do so, I could be evicted because of their refusal to reimburse the funds I worked for and guaranteed to me three different times on the phone that I would receive MY money back. They are also now stating that they are closing my account with them and wouldnt even give me a reason for that!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES 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 recently challenged the validity of XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( Collection ) account, XXXX XXXX XXXX ( Original Creditor : XXXX ) - XXXX ( Collection ) account and PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed chapter XXXX, XXXX yrs ago and that house has been sold two times since however Wells Fargo keeps reporting that mortgage to my credit that has already been discharged. I have been trying to buy new home and even with proof i am not able to buy home bc Wells fargo will not remove.

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 2020-07-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been dealing with this issue now since XXXX & have yet to receive a resolution. i filed a dispute with all 3 credit bureaus in regards to 3 late payments on my XXXX  XXXX account. XXXX  did not respond within their 30 day time frame so all 3 bureaus deleted my healthy tradeline that i had for 4 years & have paid off to a XXXX  balance. I have spoke to XXXX  XXXX executive office who claims that they are working to fix the issue & it has been months & there is still no resolution, XXXX XXXX is fully aware that a resert needs to be submitted to all 3 bureaus so my account can start reporting again. this is my last resort i made a complaint with CFPB over a month ago & the FTC & they was instructed of what to do & nothing had been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was included in a chapter XXXX bankruptcy that was discharged XX/XX/2020. The Trustee 's office sent the final payment in XXXX and I began making payments in XXXX. I noticed Quicken Loans was not applying the payments to my loan and that the funds were sitting in some partial payment unapplied account. 

The first time I called Quicken Loans they said they would only speak with my attorney because I am in bankruptcy. I informed them that the bankruptcy had been discharged and sent them the discharge document that they claim they did not receive. I was told it would take 90 days to process. When the 90 days was up and I saw no change, I contacted them again and sent a print out of all of the payments that were sent to them through the trustees office which totaled {$65000.00}. I asked them why the payments had not been applied to the account and was told the trustees office did not tell them how to apply the funds. 

I even sent a letter requesting that my account be corrected and that I also wanted a detailed print out of all my payments and credits for the last 5 years because there seems to be errors not only on my billing statement, but my credit report, and my annual tax statement. It has been over three months and I have not received a response. This year I have received 3 different tax statements from Quicken Loans, all incorrect. 

I received my XXXX billing statement today and it shows that I owe {$13000.00}. It also shows an unapplied balance of {$22000.00}. When I first started questioning the errors on my account in XXXX the unapplied balance was {$6000.00}. This means its been almost 2 years since they have applied payments to my account. 

I have even requested to speak to the bankruptcy department only to be told that I am not allowed to speak to them. 

My credit report is also showing a past due balance even though they have received full payments every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ditech financialMy regular mortgage payment is about XXXX  monthly but I have making a conscious effort to about XXXX for the past year. A couple of months ago I receive a notice the my account was going into escrow which would increase my monthly payment from about XXXX monthly to nearly XXXX monthly, I don't need them to pay my taxes. I do that on my on.Plus my balance seem to constantly increase of stay the same as if my payments are not being applied to my account correctly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: EQUIFAX, INC.
State: MD
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:
Contacted Equifax in XX/XX/XXXX to inquire as to why XXXX XXXX XXXX XXXX was reporting my account as late, when I have documentation from XXXX XXXX XXXX XXXX that my car was paid off in XX/XX/XXXX. Now, report from XXXX  shows account as " charged off '' as of XX/XX/XXXX. How can you " charge off '' an account 120 days after you sent correspondence to your customer that the account was paid in full. Account show paid in full with XXXX  balance on XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
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: Information belongs to someone else

Complaint:
This is not my XXXX XXXX XXXX card, I have been experiencing issues with my dad 's debts being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.

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