BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
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 was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX  XXXX {$380.00} XXXX  XXXX {$640.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX   XXXX {$260.00} XXXX XXXX {$190.00} US DEPT ED XXXX {$1700.00}

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 2019-11-18
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
This is an unbelievable story and its why as a consumer, it is paramount you have all the conditions of a loan and/or lease at time of signing the documents. To make a long story shorter when getting a lease car at XXXX XXXX XXXX XXXX, I was told to just get the lease started and then if I can find someone to co-sign at any point the lease terms would be much better because I had been the victim of identity theft and I'm still struggling to repair my credit score. Turns out that was a total lie by the salesman and also the manager XXXX. 

They were both lying and drove off in a car I couldn't afford because I thought I was going to be able to have my XXXX co sign the next day, which would have changed the monthly payments from {$430.00} to {$250.00}. I had been to the dealer 4 times that week and I was tired and foolishly I believed them. 

To make matters worse I had to leave my job because I was diagnosed with XXXX  and had to start XXXX treatment at XXXX XXXX XXXX immediately. This really put me in a jam because going into this mess I was repairing my credit from identity theft and am up to date on my car lease now. Even though I made the lease agreement under false pretense 's I received a grant from a local XXXX foundation, and have paid my lease up to date. 

Unfortunately, I have called GM probably 50 times, they wont change the terms of my lease, and they wont update my credit report to say I paid in full. Please help me, I need my credit to reflect the truth which is that I am on time. Please help ASAP, I am going for an apartment in a special XXXX center and they will run my credit and it needs to be perfect. Thank you and XXXX bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Sent a letter on XX/XX/2021 and sent another letter on XX/XX/2021 in regards to the first letter where I received no results or any certified copy of proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2017-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America is apparently retaliating against me for challenging their non-compliant predatory behavior by systematically denying disputes that they urged me to file. 

Just today they once again sided with the vendor over me and flooded me with 11 pages of mostly not filled in response forms from the vendor and are threatening to take about {$700.00} dollars of my money based on a few scrawled notes from the vendor the dispute was against. 

This vendor sold me merchandise that was not as described and then was passive aggressively uncooperative in proposed resolutions while Bank of America delayed and delayed in assisting in resolution. 

This followed a series of complaints against BOA I have filed in a number of different venues for their documented non-compliance with applicable banking and trade practice rules, regulations, and laws.

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 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 and unknown things on my credit report to this day over 30 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 40 days so they should be updated to payed as agreed promptly. I demand these accounts be updated immediately, or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have fell 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 2018-04-26
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call from XXXX XXXXXXXX on an account for XXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX a year after the agency called me on a bill for XX/XX/XXXX. This date of service was for XX/XX/XXXX, on the call for XX/XX/XXXX date of service I gave Ability my health insurance info which was XXXX XXXXXXXX and inform Ability staff to please also bill XX/XX/XXXX account. Ability staff gave info to XXXX XXXX XXXX and XXXX XXXX XXXX failed to bill XX/XX/XXXX date of service to XXXX XXXXXXXX. When I spoke to XXXX XXXX XXXX they advised me that they would like have account removed from collection and written off. But that has not been done.

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 2021-02-10
Company: Chrysalis Holdings LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Hello, my mortgage company did not pay my taxes by XX/XX/XXXX even though ther funds were in my escrow account. I paid the taxes on XX/XX/XXXX to avoid the late fees. Now my mortgage company refuses to refund the funds to me. I called XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX. They tell me that the tax department is working on this issue. No one has called or emailed me from newday mortgage company. There are 3 taxes I need to be reimbursed : {$950.00}, {$1200.00} & {$1200.00}. 

Thank you, 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 2019-04-16
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: Information belongs to someone else

Complaint:
one collection has been reporting under my equifax credit file, i have disputed several times but they come back and say it has been verified, an d i am sure they are not even disputing this inaccuracy, cause many times they have ignored my and my request. please have this inaccuracy removed from equifax credit agency. only they are the ones who are reporting this fraud account. 
please you are my last hope i call the collection agency they dont even have my information in their data base, not even my social or my name, they checked many times an i even know that i dont have any collections. i will be attaching my police report and the FTC report which i provided. thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage LLC has incorrectly included PMI payments on my current mortgage. I initially contacted them by phone on XXXX XXXX. After waiting the till the next months payment. The PMI was deducted again from the escrow account. 

I sent them a letter on XX/XX/XXXX under XXXX XXXX Notice under XXXX C.F.R. XXXX. I have attached it for reference. 

I have yet to receive either notice of receiving my notice of error or a decision from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited a check to my Chase account for XXXX from a job i recently completed. Three days later I called to check the status. CSR told me it was on hold and " I could thank the people who do fraud for the wait ''. I called the person who wrote the check they confirmed that the money had been released from the account and i should have it. Along with that they sent me picture of the amount deducted. Contacted the bank again was on hold for an hour just to be told that the check was confirmed as a fraudulent item and my account had been closed. Ive banked with Chase 10 years and have never had an issue no explanation was given and was treated so bad. Not only because of the times we are going through but to be accused of doing fruad is something very serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
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:
EQUIFAX REMOVED A FRAUDULENT ACCOUNT I DISPUTED OFF MY CREDIT REPORT AND THEN THEY PLACED IT BACK ON MY CREDIT REPORT A MONTH AFTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
the credit agencies need to do there job and give me the information I am asking for in the letter enclosed. I am disputing several items and they do not respond

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 2021-03-28
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This issue with TD Bank first began when I moved outside of TD Banks footprint. My account was placed on hold until I could verify my identity which was via the submission of my credentials and a signed and notarized affidavit of identity. TD Bank restored my access to my account until sometime in XXXX when I presented a check to TD Bank which end up bouncing. The fraud department suspended my access to the account until I could submit requested documentation and bring my account to a positive balance. Once I had met the conditions set by the fraud department as discussed my access to my account had been reinstated. Later I was contacted by management from TD Bank in XXXX XXXX, Florida which was known as my " home branch '' the manager requested I resubmit identity documents, she advised she would be able to take the proper action once I had provided the requested documents. Shortly after providing the requested documents my account was placed on hold again pending closure. I Contacted TD Bank customer service who redirected me to the branch. Management said that due to a check I had submitted TD Bank chose to close my account however prior I worked with TD Bank 's fraud team to reopen the account in good standing. I selected TD Bank to receive my tax refund which was deposited into TD Bank however due to the hold on my account the funds have not been made available to me nor has TD Bank been willing to work with me to reopen the account. TD Bank stated that the account would be closed and the balance of the account disbursed to me in form of a cashier 's check however TD Bank continues to withhold these funds from me and has not closed the account nor communicated with me about the status of the account or my money. I have entered into extreme hardship do to this treatment of TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I contacted Northwest Collectors regarding a collection notification on my credit report. They referred my to the original creditor/medical facility, XXXX XXXX. 

XXXX XXXX advised that the bill they had was not submitted to the insurance company, because they didn't have any insurance on file. I provided them the insurance information and they advised that they would contact the collection agency immediately to have the account removed. 

On XX/XX/2018, I called the collection agency to follow up and they advised that they have received no such communication from the agency. But advised that they would put a 2 week hold on the account. 

They provided me a contact number for the medical provider. When I contacted the phone number provided by Northwest Collectors, company could not verify address as the are a 3rd party and were not furnished with this information. This middle company is called 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 2018-01-10
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Account with santander consumers was open in XXXX XXXX XXXX. I never knew about the account was opened until whoever open the account started making late payments or did n't make payments at all. I have reported this account to credit bureaus and also have reported it to the company santander consumer. They have sent me a fraud packet and i completed the packet and faxed to santander consumer with a police report. XXXX XXXX and XXXX  have removed the account from my credit report. Santander consumers have not done anything to even attempt to investigate the account for Identity theft. I have tried to contact them multiple times and multiple voicemails. This account is really affecting my credit score when I pay everything on time without a problem, I even have my own car loan out that I pay for every month with no miss payments. Santander consumers have no evidence that I opened the account but they will not investigate it to be removed and it 's not fair. The account is in delinquent according to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX fraudulent atm withdrawals for {$980.00} were made on consecutive days and in different locations. The first was on XX/XX/XXXX in XXXX, CA and the second was on XX/XX/XXXX in XXXX XXXX, CA. Both cities are in XXXX California, however, I had my card on my person XXXX miles north in XXXX XXXX which can be confirmed by the charges I made in XXXX XXXX area on my BofA XXXX card and personal debit and credit cards. 

On XX/XX/XXXX I called to cancel my card, but was not able to file a claim with the fraud department as they were closed for the day. It took a day or XXXX to finally reach the fraud department. XXXX separate claims were filed for each charge and the below is a timeline of events Letter was sent on XX/XX/XXXX regarding claim XXXX stating that BofA believed my claim was fraudulent and any funds that were reimbursed would be debited from my account. 

Letter was sent on XX/XX/XXXX regarding claim XXXX stating that BofA reviewed my claim and permanently credited my account for the {$980.00}. 

Letter was sent on XX/XX/XXXX regarding claim XXXX stating BofA issued a temporary credit to my account that would post within the the next XXXX business days. 

Letter was sent on XX/XX/XXXX regarding claim XXXX stating my claim has been closed because the bank believes my account or the claim have been the subject of fraud or suspicious activity and any temporary credit applied to my account would be debited from my account. 

A letter on XX/XX/XXXX regarding claim XXXX stating that BofA has completed their investigation of the disputed transaction. The previously issued credit of {$980.00} is now permanent. 

Other Issues that prevented the claims from being approved : Bank of America ran internal audits which automatically closed claims. 

Bank of America created new claims instead of reopening existing claims which raised red flags. 

It has been extremely difficult working with Bank of America to have these issues resolved in a timely manner. I look forward to receiving notification that the funds will be deposited back into 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 monetary relief
Consumer complaint received 2019-11-16
Company: EQUIFAX, INC.
State: AZ
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:
XX/XX/2019, XXXX XXXX REFUSES to report to all 3 credit bureaus ( XXXX, Equifax and XXXX  ) that my installment car loan # XXXX, is paid and pays as agreed. 
Not closed- false information. XXXX XXXX NOT reporting accurately FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: NV
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 dispute back in XXXX, and they never answered back. I then submitted another dispute in XXXX and no one ever got back with me until I came through the CFPB Ive sent my ID Ive sent proof of address Ive sent the letters and I have not received anything back until this week and when I receive information back this week they told me that they didnt receive nothing today Ive sent them and I have copies of everything that I sent to them. I am attaching everything that I have sent to them they came back and sent me a letter and said that theyre basically could do anything to my credit and Ive been on there since XXXX and were now in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 dispute back in XXXX, and they never answered back. I then submitted another dispute in XXXX and no one ever got back with me until I came through the CFPB Ive sent my ID Ive sent proof of address Ive sent the letters and I have not received anything back until this week and when I receive information back this week they told me that they didnt receive nothing today Ive sent them and I have copies of everything that I sent to them. I am attaching everything that I have sent to them they came back and sent me a letter and said that theyre basically could do anything to my credit and Ive been on there since XXXX and were now in 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