BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NJ
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:
Report # XXXX with Experian I applied for bankruptcy while unemployed. While the case was being reviewed, I got a new job. The judge rejected/dismissed the application. 

I didn't go through XXXX  XXXX bankruptcy and confirmed this with the court. I received a dismissal document proving this and paid my debts back. 

Experian has listed this application on my credit report as a XXXX  XXXX bankruptcy. I contacted them multiple times and submitted court documents to prove the truth. 

This has confused creditors and affected credit worthiness. A recent mortgage company almost rejected my application b/c of this confusing info.

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 2019-04-22
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account was listed on my XXXX credit report on XX/XX/2019. 
Debit Recovery Solutions Collections claiming I owe {$310.00}. I do not know this company. I have never received documentation to validate my debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had full medical at the time of my service and they didn't charge my medical but decided to bill me instead

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 2021-06-28
Company: Experian Information Solutions Inc.
State: UT
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:
I am having issues with the credit bureaus, Experian, XX/XX/XXXX, and XX/XX/XXXX. I have been submitting disputes for the past 6 months, and I have not received not even ONE letter from the bureaus. Per my investigation, the bureaus under the law have 30 days to provide results and I have yet to receive ANYTHING! 
I am requesting that the bureaus provide results to me in a timely matter and remove these erroneous items off my credit.

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 2020-12-09
Company: LTD Financial Services, L.P.
State: VA
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:
On XXXX XXXX, 2020, LTD ACQUISITIONS LLC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LTD ACQUISITIONS LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The app is called cash app its an extention of square i have a mobile account along with a prepaid card. The problem first happen on friday the XXXX at XXXX XXXX it said i tried to send a contact {$200.00} dollars which was an accident made by me because the app was still open when i was rushing leaving work. 
I have emailed and verified as i was told numerous time in the past 5 days now leading up to a second week. back to back since friday of the occurring issue and it is still have a hold and freeze on my account and money. the transaction of XXXX dollars was done by me by accident i didnt even have XXXX dollars in my account to send and cash app has put a flag and frozen my account and money since friday around XXXX XXXX. I currently have {$73.00} being held. I can not get my money out, make a purchase, send or receive money. I can't do anything with the card my money is just frozen and sitting. It keeps telling me to verify my bank account, but i never put my bank account info on this card or app. And i dont have a bank account that was the point of me ordering the card so i can store money without fees and use as a prepaid card to send and spend money please help me with my problem. I have emailed them because their is no way to contact them except by email. They took forever to reply and now their just not responding at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The closing date for selling my home was XX/XX/2021. 
I called the mortgage company on XX/XX/XXXX to give them my forwarding address to send my final statements, or for whatever other reason they may need me. The customer service representative asked me if I wanted to take care of the {$4800.00} ( and some change ) balance on the loan. Well, I thought she was joking. She commented that I had just made a substantial payment and she could process the remainder with me. I said, What are you talking about? I SOLD the house.. She said, she showed a balance a little under $ XXXX. 

Then everyone played the blame game. 

Finally months later, when I called them to find out why my loan still had not been taken care of, they told me, since your escrow was negative, there was too much money put into my escrow account when that payment came in. Again, I told her that was the LOAN PAYOFF and I still was dumbfounded how the mortgage company was not even concerned with this. 

First, they told me that there was not enough money sent in. ( This was their argument for not having a XXXX balance yet. ) Finally after several months, I had to sign a letter giving my permission for the mortgage company to use the escrow balance to pay off the loan in full. 

Meanwhile, they have charged me mortgage insurance premium in the amount of {$160.00} and on XX/XX/XXXX ( almost XXXX weeks AFTER closing ) there is a {$170.00} Legal Fee with no other explanation whatsoever. 

I have tried numerous time to reach out to them but they say there is no problem. 

Here it is : I closed -- - the money was sent in.. VMF processed it wrong somehow But look at the escrow balances in my statements yet they couldnt figure out why I still had a balance and its my fault because the funds were short ( they werent ) .. so therefore I got charged MIP again Then there is a mystery payment from.. I dont know where.. but I also did not ever get a final statement ( theyve sent it 3 times by mail thats the answer I got ) It is a complete mess- I saw several XXXX  complaints that seemed to involve the same topic.. sound like they've been doing this a lot. 

The statement I uploaded is the last one I ever received. I did not get any for the last month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC.

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 2018-07-20
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There a some huge issues with the collection that showed up on my credit report yesterday. One, it is well beyond the statute of limitations in Florida. Also, this is for a XXXX account that my ex-husband open years ago without my knowledge or permission. XXXX recognized this and subsequently removed my responsibility for the balance owed approximately 7 years ago. I believe Convergent bought some old debt and is trying to make some money without even attempting to find out if the debt is even valid. I am in the process of buying a house for myself and my children and this just made my credit score drop 40 points!

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 2019-03-19
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I applied for a credit card on XX/XX/2019 at XXXX XXXX XXXX administered by Synchrony Bank. It was approved for only {$250.00}, I requested a credit increase it was denied on XX/XX/XXXX and again on XXXX. They pulled my credit report on XX/XX/2019. I have an excellent credit history and this rejection is unfounded. I questioned the denial and I was told " it was denied '' with no valid rationale.

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 2021-10-06
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:
On XX/XX/2021 at XXXX XXXX  I deposited {$6200.00} into a Bank of America ATM at XXXX at XXXX XXXX XXXX California, The ATM machine gave me an error and told me to write in the amount of money I deposited and then it printed a slip with {$300.00} deposited into my account and saying that it apologize for the inconvenience and create an issue required that will be attached to your transaction. I have talk to the electronic claim associate but they have not solve my 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 monetary relief
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: CT
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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 






Please remove these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Mortgage Research Center, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Recently we applied for a Home Loan with Veterans United out of XXXX, MO. Upon initial conversation with their Loan Officer. He spoke to us in a very Disrespectful manner. We asked 1 of their Upper Executives for a New Loan Officer. She would not assign a new Loan Specialist for us. We also noticed that our W-2s had been Under Review for at least 2 weeks. We asked the same Upper Executive for answers as to why these things were happening and never got any follow-up from her on our questions. We also were informed that the Loan Amount on our Application was for a XXXX loan.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I reached out to XXXX, XXXX, and TransUnion on XX/XX/XXXX asking them to verify these debts by contracts and signatures of mine I also sent them police reports they still haven't removed anything ( XXXXXXXX XXXX XXXX XXXX  ) {$1800.00} XXXX bankruptcy XXXX  XXXX XX/XX/XXXX, bankruptcy XXXX  XXXX XX/XX/XXXX, bankruptcy XXXX  XXXX XX/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 2021-11-05
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am a victim of ID theft, an unknown person opened a Chime Bank account using my personal information. I have notified Chime bank several times this is fraud. Every time I call for an update they can't tell me if this account is closed as fraud, when I ask for this to be closed as fraud they refuse. It is like talking to a robot, they just repeat their script they were given. They are not solving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX I had an bad injury on my job that caused me to stay out until XX/XX/XXXX. I contacted XXXX via phone a week after my injury which I couldn't contact anyone so, I emailed and never heard from anyone until they couldn't get any funds from my account. Around XX/XX/XXXX I received a call and I explained to then that I was out of work because my XXXX was XXXX and I was only receiving only {$140.00} a week on workers compensation. They explain to me that the interest will remain daily. I paid them back every two weeks until my injury. Now I'm receiving letters to pay {$6000.00} back. So, I called National Credit Adjusters and explain my financial situation right now due to my injury it set me back on everything else and I ask why I have been charged this much. I Couldn't get an agreement other than XXXX in full which is not fair. Almost every day I get anonymous calls which I know its NCA and it's very stressful because I can not afford to pay it. Today, XX/XX/XXXX I went on line to www.ncaks.com to see if I could set up an payment plan that I can afford but they ask that I make a downpayment of {$500.00} first that I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Mid valley collections bureau aka Proffesional collections put a Lien was put on my property on XX/XX/2019 without my knowledge for an account that I do not owe money and that was well past the statue of limitations. Mid valley collections bureau has put an lien on my property for a balance that I do not owe. 1. The account is well past the statue of limitations of which they can collect. 2. They tried to garnish my wages and I appealed with the XXXX XXXX police department and won, XXXX XXXX was unable to garnish my wages. 3. Mid valley collections bureau illegally without my knowledge put a lien on my property, that is currently growing interest. 4. I won the court case and no longer owe any money to Mid valley collections bureau. I would like the lien removed from my property immediately as it should never have been placed on my property. What you are doing is illegal and I will seek legal justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a voice mail from my work phone and personal phone on XX/X/2017 from a XXXX county currier '' they claimed to have time sensitive documents they needed to deliver. They directed me to call XXXX file number # XXXX. I called that number and I 'd was a company called XXXX XXXX XXXX. They claimed I owed over {$2000.00} dollars fo a HSBC credit card that was dated XXXX/XXXX/XXXX. They stated if I did not pay within 10 days they would sue me and or file a IRS tax hold against me and seize my bank account and personal property and would increase the amount to over {$4000.00} for collection and lawyer fees. 
I did have a credit card that was charged off in XXXX for {$300.00}. 
I called HSBC and they had no records of the account and claimed they do not keep records beyond 7 years. 
This debt amount is incorrect and beyond the statute of limitations for 6 years in my state of Ohio. 
By contacting me at work they have caused extreme duress and perhaps future problems with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I originally took out an Equity Loan off of my primary residence, with Washington Mutual, in XXXX of XXXX. The loan number is XXXX The original loan amount was {$250000.00}. The loan was increased I paid off on XX/XX/XXXX, in the amount of {$410000.00}. The account is now closed. 

I have been trying to get a copy of the Reconveyance sent to me, because I have never recieved one and I am trying to seceure another loan from my current bank. My current bank will not issue the loan until I send them a copy of the Reconveyance document. The payoff of this loan has not been sent to the County of XXXX. 

I am currently on the phone with Chase again and have been transferred to 3 different departments. Once I got to the third location, the supervisor stated they can 'see ' the but can't open it up or send it to me! I was told by the Supervisor, XXXX XXXX, that Chase will email it to me in 5 business days. 

These additional 5 days will continue to hold up the current loan I have applied for and has been 'tenatively ' approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX  Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX Balance : -.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank froze my checking account with no warning on XX/XX/XXXX. I have called them, provided trust documents, and met with the branch manager. I need the account to be unfrozen to pay bills and access cash.

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 2019-11-04
Company: Experian Information Solutions 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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