BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I'm a consumer who sent my FTC report to Experian, XXXX, and XXXX on XX/XX/XXXX and I still haven't received a verification letter for my dispute from either CRAs.

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 2021-05-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have made two wire transfer on XX/XX/XXXX in the amount of {$25000.00} on XX/XX/XXXX in the amount of {$20000.00} Both from Chase bank XXXX XXXX XXXX ) to my Broker XXXX ( XXXX XXXX XXXX XXXX I got the first wire of {$25000.00} in my broker account on XX/XX/XXXX, only after that I made the 2nd wire of {$20000.00}. But that money never arrive in my broker account on XX/XX/XXXX or after even chase showed it as complete. 

I have called the chase on XX/XX/XXXX to recall the wire, the chase representative over the phone said she has helped me to recall the wire and the {$20000.00} should be in my account the same day. But it never came, and I have since call chase 3 times on XX/XX/XXXX, each time they claimed to help me, but every time the call ends up been disconnected after transfering. 

I have attached the photo of my wire records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX loan # XXXX with AmeriHome Mortgage my payment is due on the XXXX of XXXX, like every other month ive payed my payment by phone, this last month I was admitted into a detox and recovery facility out of XXXX Ca for a stay of 30-45 days. 
during this time I have made several attempts to make my payment through my Bof A edd account and for some reason or another even though the money is in my account once the payment leaves the bank with XXXX  XXXX XXXX which it shows my mortgage company amerihome returns my payment for one reason or another and at this current time has started to send my late noticed with a late fee added to my account as delinquent. as in good faith I've notified the mortgage company by letter head asking them and notifying them of my current situation if there is anything possible that can be done to reassure me of my hardship. 
i have every intention of paying my payment and carrying on my responsibility as a borrower and have every intention and well to do whatever it takes to get this right before it affects my credit as a borrower. 

thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 disputted this account with XXXX in the pass and it was removed from my credit report now Transunion has re-inserted to my credit report this account was a result of fraud the account was open by a Idenitiy Thief. and Transunion is violating my rights under the FCRA.

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 2021-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Bank of America bounced and returned an attempted outbound domestic wire transfer from my personal account ( with another bank, XXXX XXXX XXXX XXXX XXXX -- and, incredibly, charged me a {$45.00} fee. Regardless the specific facts here ( that the information included with the transfer was more than sufficient for BoA to identify the intended account and successfully complete the transaction ) -- this fee was excessive, unfair ( the bank did not complete the attempted distraction ), was not disclosed, and was not pursuant to any agreement or contractual arrangement I had with the bank. Therefore, I request that it be credited back to me. Thank you!

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX. This is the second time I have requested the deletion of these numbers the are not mines. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2020-07-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Opportunity Financial, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
DO NOT APPLY FOR ANYTHING WITH THIS COMPANY!!! THEY ARE A SCAM AND WILL XXXX YOU OVER! THEY FALSEY APPROVED MY APPLICATION ONLY TO DENY MY APPLICATION AFTER A GUY CALLED FROM THIS NUMBER XXXX AND DIRECTED ME TO GO TO THIS XXXX XXXX AND CLICK ON 5 STARS AND WRITE SOMETHING NICE ABOUT A LADY NAMED XXXX. I DO NOT EVEN KNOW XXXX!!! WELL ONCE I DID EVERYTHING HE ASKED ME SAID AGAIN, THANK YOU AND CONGRATS AGAIN ON YOUR LOAN APPROVAL. WELL IT GETS POSTED THEN ALL OF A SUDDEN THEY SENT A EMAIL STATING IT WAS NOT APPROVED!!! WOW!!! I WILL BE CONTACTING THE BBB AS WELL AS WELL AS THE CEO OF THIS SO-CALLED COMPANY

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In XXXX I cosigned a private XXXX XXXX Loan for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX In XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XXXX of XXXX and no further payments were made after that point

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 2017-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I keep getting phone calls to my cell phone my wife and daughter get them as well looking for my from a company claiming that they are sending a process server ( but they never do ) and when I call the phone number given to me by the " process server '' a man will answer the phone saying " Legal Services '' but never gives the name of the company, once I give this man my " reference number '' he pulls my account up and says begins to say that I owe over {$3000.00} for an XXXX XXXX Credit Card account that I paid off over 6 years ago, the man will go on to say that unless I can prove this he will have no choice to take legal action and I can appear in front of a judge or pay make payment arrangements on this " {$3000.00} debt '' I then proceed to ask him for a Verification of Debt and he said that that was also my job to prove the debt is valid not his, after going back and forth about whose job it was to provide the VOD, he hung up on me, and the calls just wo n't stop and as a consumer I know it 's my right to be provided with a VOD and still have yet to receive one, also have looked up the toll free number and have found that numerous people are having the same issue with the very same people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: TX
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:
Equifax has not updated my credit score in 5 months it still shows the same score as the last time I complained. I have paid on Time. There is civil/ constitutional rights violations going on at the government level. My score needs to be properly updated or I need civil action taken against all three credit bureaus and the government entity and its employees who are committing this crime to be prosecuted! I have the right to access my correct credit score and have the right to seek credit without being turned away due to malicious credit reporting. Im past fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSWORLD SYSTEMS INC
State: KS
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 4 ( four ) student loans with UAS/XXXX. Two of the accounts ( number XXXX and XXXX ) showed 3 ( three ) missed payments each at the end of XXXX for a total of 6 ( six ) missed payments. 
I found the problem on XXXX report early XXXX. All these accounts are paid by automatic debit and have never been late. 
I immediately called the creditor and confirmed that was an administrative error. They promised they would update the reporting by the end of the month XXXX XXXX XXXX. 
After that the account ending in XXXX showed 2 missed payment ( no longer 3 ). Nothing changed on the other account and I still have a total of 5 missed payments on both accounts erroneously posted against my name. 
I called again and again XXXX/Chesla, but they never gave me a definitive answer nor returned the multiple requests for a solution. 
I also filed multiple complains with XXXX, but they did not solve the problem either. In one of the complains their response was that the account was already updated and the complain was closed, but nothing changed. This was the reason I am filing this complain. 
Just want to note that this is not only an inconvenience. I am trying to finance a major real estate purchase and this reporting is causing by credit score to be under the level I would otherwise be entitled to better rates. I had to postpone the financing decision because of this problem. 
PS. I only see this issue with XXXX and not with XXXX I am not aware if the other credit bureaus are also reporting, but my real issue is with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX are reporting incorrectly balances due of {$4300.00} and {$790.00} on the XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5 and 6 of the attached credit report. ) These accounts have been paid. Attached are the letters dated XXXX from XXXX XXXX for Account Numbers ending in XXXX and XXXX stating the settlement arrangement has resolved the outstanding balances on these accounts.

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 2021-05-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal has held my funds over 180 days as per the agreement that they said they will release funds after that. 

XX/XX/XXXX, PayPal blocked my account without any explanation or why they thought my account is a potential risk. 

I have tried to communicate with them regarding the issue and they have not replied to any of the messages I left and the customer service number doesn't work. 

Today is XX/XX/XXXX and I should have a received an email from PayPal stating I should withdraw the funds but they haven't and this goes against their legal terms and can be a potential law suit against the company. 

The email of the account is XXXX which a XXXX  account. 

I'd really appreciate it you helped me resolve the issue and get my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a consumer file report from LexisNexis Concumer Center and the information listed under Section # 9 - Automobile Insureance Claims Records is  incorrect as it is listing XXXX XXXX XXXX as the Vehicle Operator on Records # 1 and # 3. The Vehicle Operator should not reflect XXXX XXXX as this was a Comprehensive clain for a total loss due to Electrical failure within the vehicle on Record # 1 with DOC on XX/XX/2019. The Vehicle Operator should reflect XXXX XXXX on Record # 3 with DOC on XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: American Credit Acceptance, LLC
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 belongs to someone else

Complaint:
Listed below is a loan I didnt apply or agree thats been on my report for 6 years CREDIT ACCEPTANCE CO Last reported XX/XX/XXXX {$9600.00} Reported balance Opened XX/XX/XXXX CREDIT ACCEPTANCE CO XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Resurgent Capital Services L.P.
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:
I have been working with XXXX XXXX to repair my credit. They helped me removed some collection accounts. XXXX XXXX XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX and XXXX  ) and not XXXX. XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX  and XXXX ) and not XXXX. All of this occurred around XXXX XXXX. The complaint is nit against XXXX XXXX. My complaint is that the collections accounts has been removed from some credit reporting companies and not others. I have also been receiving collection letters from XXXX XXXX XXXX to collect a debt that is being reported by LVNV Funding on my credit report. I also have collections accounts from XXXX XXXX XXXX and XXXX XXXX XXXX reporting on my credit report. I didnt give any permission for any of the original creditors to sell my debt or information to anyone and I have no knowledge of any of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Jersey Mortgage Company of New Jersey, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Please carefully review and read the response issued by Jersey Mortgage Company. Pay close attention to the sales contract  created by a realtor who claims to be a " 24k Customer Service '' realtor representing XXXX XXXX XXXX. I am very upset by XXXX XXXX XXXX 's " 24k Customer Service '' she did not apply her " 24k Customer Service '' motto she claims to bring to the table. The seller even managed to spell his name correctly on a legal binding mortgage contract regulated by the Federal Government nonetheless. XXXX XXXX XXXX realtor did not treat me with her " 24k Customer Service ''. I am not a licensed real estate professional and I can detect a slew of errors on all licensed real estate professionals involved in this Federal Funded Mortgage transaction in the amount of approximately $ XXXX of the government 's federally funded mortgages. I am guessing these real estate professionals were unaware of the countries mortgage collapse. This mortgage is an exact replica of what caused the nation 's mortgage crisis. Please have an experienced mortgage auditor review this mortgage. We can use these as a learning example for a refresher course for all licensed real estate professionals.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
After filing a complaint against FIFTH THIRD BANK I received a letter from the office of president by the name of XXXX XXXX dated XX/XX/XXXX stating that the information that was reported to a company called XXXX XXXX, and XXXX XXXX XXXX was removed. After verifying with XXXX XXXX on XX/XX/XXXX.  I am still in the system and the issue has NOT been resolved. I have contacted XXXX XXXX as stated twice and left a voicemail i have NOT received a callback and I have let the receptionist know that since she has not returned my calls I will be filing another complaint against her for lying and stated she has removed me from the reporting consumer XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
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:
Dear Experian, XXXX, XXXX, Dear Credit Reporting Agency ( Experian, XXXX, or XXXX  XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

Sincerely, 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 2018-06-07
Company: Allied International Credit Corp., (US)
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every day for the last several weeks between XXXX and XXXX I get a call from XXXX about a collection. 

I dont owe anything to anyone and after looking online this company has been known for harassment and has been sued multiple times for this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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