BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I listed a vehicle for sale on XXXX. I received a text from a potential buyer who offered full asking price. He sent me a check ( Insurance Company Check ) for {$11000.00} ( car sold for {$7000.00} ) and requested I send overage to the transport company account.
Bank of America accepted the deposit and made funds available immediately.
I transferred {$4300.00} ( I know feel stupid enough already ) to the transport persons account at Bank of America XXXX. 24 hours later BofA took the money out of my account due to fradulent check ( late found out altered ). I requested that they stop and return the funds I had transferred to the account in XXXX. They had the data, it was in the same time frame as when they removed the deposit from my account, yet they could not stop or refund my transfer. Two lessons learned here. 1. ) be more diligent in this kind of transaction and 2. ) do n't trust Bof A, all they give is lip service.
PS : Yes, there is an active case with Phoenix police, however, I do n't have any expectations of them finding and prosecuting anyone.
PPS : Have another sale of the vehicle that follows the same pattern, but BoA unable to work with me to track and try to catch these human slugs.

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 2017-10-05
Company: Delta Management Associates, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been called dozens of times for someone named XXXX over the last several years. I have explained repeatedly that I have never known this person and been assured our number would be removed. 

Recently associates of Delta Management Associatiates of Massachusetts and Arizona have been placing robo calls from various local numbers several times a day and leaving messages stating that a failure to return calls is an affirmation that XXXX is at this number. 

Today I talked to someone named XXXX XXXX@XXXX ext XXXX. Once again I was given assurances that my number would be removed. I cant believe it will at this 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 2019-07-03
Company: EQUIFAX, 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:
To whom it may concern : This is my second complaint reporting that my identity has been stolen and accounts had been opened in my name with out my knowledge, however your company is refusing to block these information in accordance with the fair credit reporting act this report is been created in effort to clear my name. 
A copy of my drivers licence social security and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I have been going back and forth with TransUnion and I have not been able to get this harmful and inaccurate information off my credit profile, even after submitting a police report and an identity theft form. Many addresses, phone numbers, and names have been found on my credit profile that I am not responsible for nor associated with. This fraudulent information is harmful to my profile, it is affecting all aspects of my life, and hindering me from any financial decisions. It is robbing me of my basic rights as a citizen of the UNITED STATES OF AMERICA. TransUnion is the company responsible for allowing this information to be reported on my account in the first place. Many people are very ignorant of their credit profiles and do not know that Credit Reporting Agencies make money while their information is on their report, regardless of whether it is true or false information. I did not apply for the following accounts/services, I have been traveling the world back and forth. I did not give TransUnion consent to place anything on my profile, nonetheless anything FRAUDULENT. I am being denied basic human rights such as shelter, safety, and privacy. If the following fraudulent accounts and fraudulent address are not removed from my TransUnion credit profile, I will be forced to hire an attorney and seek damages due to TransUnion 's unchecked and UNLAWFUL actions against my life and my credit profile. 
FRAUDULENT ACCOUNTS BELOW 1. XXXX XXXX ( Authorised User ) XXXX**** 2. DEPT OF ED / XXXX XXXX**** FRAUDULENT INQUIRY 1.  XXXX XXXX XXXX FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX XXXX MI 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 2020-07-06
Company: ALLY FINANCIAL 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:
I have an auto loan account with this company since XX/XX/XXXX. The last time they reported to the credit bureau was XX/XX/XXXX. I have contacted the company monthly and still nothing. Also they were caught not crediting bank electronics direct payments, Once it was brought to their attention, they said because of Covid 19. The company name is Ally financial.. The contact info I have for them is XXXX XXXX XXXX, XXXX, MN XXXX. Telephone contact XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I requested Ohio Revised Code SCRA benefits two years ago. The accounts were removed from my credit report so I assumed they honored my request. The week of XX/XX/XXXX I received a call from Portfolio Recovery Services attempting to collect the debt. I contacted XXXX XXXX to inquire about the debt and was told my SCRA request was incomplete and they would send me a letter requesting missing documentation. I received two letters. One letter stated that my account was sold to a third party and I needed to contact them. The other stated that I was ineligible because the account was opened on XX/XX/XXXX and I enlisted in XXXX. I am a resident of Ohio Note that Ohio extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. I have attached documentation of the revised code and the letters sent to me from XXXX XXXX denying the benefits. I do not have the total amounts owed on the card however I have have both case numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I sent XXXX a certified letter ( view attached ) requesting verification of Inquiries on my account. Inquires that Im not aware of. I asked for further investigation to be done because, if you look at my XXXX. Its not all the same across. I wrote to XXXX, I called XXXX XX/XX/2021. I spoke to numerous representative that stated nothing can be done. XX/XX/2021 I wrote to XXXX again, I have not gotten a response in regards to 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 2017-10-06
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Chase with automated payment. 

Their online system does not work and their customer service to correct the issue was incompetent and burdensome. 

on XX/XX/XXXX i tried to edit my automated payment amount to remove the {$400.00} additional principal payment that brought my total payment to {$4100.00} and change the payment date to the XXXX day of the month from the XXXX of the month I checked on XX/XX/XXXX and when it did not update, I tried to edit online again. 

On XX/XX/XXXX I called Chase customer service who claimed they updated it so that it would be effective for current month payment and would update on XX/XX/XXXX I checked online on XX/XX/XXXX and it still had not updated. 

Chase deducted on XX/XX/XXXX the amount of {$4100.00} or {$400.00} more than I needed which caused me additional duress. 

The amount showing online still is {$4100.00} but they have changed it to the XXXX of the month for future payments.

Chase customer service is incompetent and their online system is ineffective.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent dated XX/XX/2021. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and the inaccuracies about my accounts are continuously reported on my Equifax Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$67.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: OR
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:
To whom it may concern, We have lit. spend hundreds of hours trying to clear up a mess XXXX bank has made! 

1. It started with a chargeback for XXXX that was charged to us that was not authorized twice ( one was credited back the other was not ) we only authorized XXXX to this via trip avisor and so disputed such All we got was a complete run around of the cvc chip was scanned but was not, then stating merchant has not violated terms??? 

Never did we get the funds back despite the tons of calls to XXXX and the XXXX which are your customer service agents. And sent tons of documents in dispute 2. Then we got a charge on the card but was kept being told it was interest with a zero balance Finally we asked the card to be canceled and cleared up and never hear from XXXX again. The statement Being doctored many times by your agents it appears. 

3. Now not only did we never get the credit but you hit our credit report losing 85+ points over your continual mistakes Please clear up our account a credit would be nice but at this juncture just want our credit restored from YOUR Continual mistakes XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Oregon XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX Office

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 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$2700.00}, {$620.00}, {$150.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

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 2019-08-07
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:
Upon reviewing my credit report, i notice that i had so many inaccurate information on my report. There isn't no one to blame but your company. You have mislead me to believe that my credit was being investigate after I've sent in several proof and documents that was certified mail. I haven't received any mail back since XX/XX/2019. I am seeking litigation and also compensation for damages and the pain you caused my life. It has been embarrassing and traumatic dealing with this current situation of fraudulent inquiries being placed on my credit report. It isn't factual information at least not something that I've personally done. I am a victim of identity theft and my personal information was leaked in the breach with XXXX, XXXX XXXX and a few others. This message is in regards to this being the final good will letter i am sending to get this matter resolved quickly. I am allowing 3 business days which i want an internal investigation done immediately. The inquiries that are listed fraudulently and inaccurate are 1.  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX   XXXX, 4. 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 2017-10-05
Company: FC HoldCo LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX my car was in an accident. Subsequently, my insurance company totaled the car and paid off the loan company Flagship Credit Acceptance in the amount of $ XXXX I contacted the loan company in XX/XX/XXXX to determine if I had a balance of any kind. I was told no and my title would be in the mail. The representative stated that I was paid up until XX/XX/XXXX and I had no balance. He also stated that I should make my GAP insurance company aware of my payments and I should receive XX/XX/XXXX and XX/XX/XXXX 's payment back. Early XX/XX/XXXX, I receive my title in the mail. Come late XX/XX/XXXX, I receive an invoice from Flagship stating I owe {$0.00} ( I have the statement ). Then in XX/XX/XXXX, I get another invoice stating that I owe $ XXXX. I contacted Flagship immediately but I was unable to gain access to a customer service agent and my call was dumped. I tried several more times with no success. On XX/XX/XXXX when I arrived home in the mail was another invoice from Flagship stating I now owed them $ XXXX. Once again I phoned them and my call was dumped. If you press 4 for a customer service agent it refers you to their website. So I used my daughter 's phone to make the call and I was able to get an agent on the phone immediately. Before I gave them my social security number or account number I explained to XXXX in the PA office I would need the help of a manager immediately. She placed me on hold briefly. Agent XXXX took over the call. I explained to her what was going on and that I needed answers. She began to tell me that there must be an issue with the phone systems and the IT department should be notified. She begins to put together a story in the company 's favor. But, she kept changing the information. First, she said, I was credited for 1 payment on XX/XX/XXXX and another on the XX/XX/XXXX. Then she said I was credited for 2 payments on the XX/XX/XXXX but 10 minutes later in the conversation, she said my payment was returned to the bank on XX/XX/XXXX and XX/XX/XXXX. But I pulled up my bank statements and it indicates Flagship took the money. Then she said that the statement dated XX/XX/XXXX, I had was not possible because it says I owed {$0.00} when I have it in my possession. She also claims there was no record of my phone call in XX/XX/XXXX. She said she would request an audit of my account and get back to me. The is tasked with providing accurate information down to the penny and they are failing and should be investigated.

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 2021-09-21
Company: RoundPoint Mortgage Servicing LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage from RoundpoinXXXX to XXXX, closing XX/XX/XXXX. The payoff check arrived at Roundpoint on XX/XX/XXXX. As part of the refinance, XXXX obtained a payoff quote from Roundpoint. Included in that payoff quote was a line item called " Pro Rata PMI '' in the amount of {$290.00}. This payoff quote was for a payoff received by XX/XX/XXXX. Since it arrived approximately 13 days early, I was told I was receiving a partial credit and only being charged {$270.00}. At a rate of {$4.00} per day that's about 3 days credit. However instead of crediting me the approximately 14 dollars I was charged again, this time directly from the escrow account still with Roundpoint. I have two complaints. 

1. The credit should be 13 days at {$4.00} per day, or about {$63.00}. 

2. The {$290.00} was included in the payoff sent by the bank. Taking any PMI out of the escrow account after is duplicating that payment. 

I have the payoff quote showing the pro rated PMI being included in the payoff. I have the closing documents showing the payoff sent to Roundpoint included the full {$250000.00} for payoff as quoted by Roundpoint. I have screenshots of my online account showing my escrow before and after they took the final PMI payment out, as well as the line item in the account detail showing it was for PMI. I have conversation with a rep from Roundpoint claiming that I was charged correctly. 

I am also anticipating 13 days of per diem interest to be included for the overpayment due to the payoff arriving 13 days early. This overpayment is for loan interest calculated into the payoff quote, but not earned based on the time of payment received. 13 days at {$25.00} ( As stated on the payoff quote ) is {$320.00} in overpayment on interest. 

I should receive a check from Roundpoint with the following : {$2000.00} - Current escrow balance {$63.00} - PMI overpayment based on payoff date {$320.00} - Interest overpayment based on payoff date {$270.00} - PMI duplicate payment taken from escrow despite being paid in payoff Total of {$2600.00} I was told these go out within 20 business days of loan closing. Check should be post marked by 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 explanation
Consumer complaint received 2019-09-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We are closing on our home and were well aware our escrow would be paying our school taxes around the same time of closing. So i proactively called my mortgager Rushmore loan management on XX/XX/19 inquiring if my escrow payment could be held in order to close on my home in a timely manner. I was told by rushmore that they could not hold my school tax payment, i was told that they had not received my tax bill at that time either. I called back on XX/XX/19 inquiring what can be done as the funds have been withdrawn from my escrow account and was told they will not be sent until the following week of XX/XX/19 and there is nothing they can do. We are now scheduled to closed the week of XX/XX/19 and this is preventing me from clsoing. My attorney needs documentation that the taxes have been paid in order to close and Rushmore now indicates they made a mistake and that the funds could have and should have been held as i requested on XX/XX/19. My closing is now being held up due to their error and my sale could potentially be lost due to their mistakes. I need this fixed, they need to be taught to properly manage my loan. If i lose the sale of my home due to this i will be requesting the full sale contract price from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX XXXX and 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