BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The date that shows when the bankruptcy was filed is showing XX/XX/2012. This date is incorrect the date that my bankruptcy was file is XX/XX/2012. Case # XXXX Also the credit reporting agency says they verified the account, but did not disclose how they verified the account and who they used to verified the accuracy of the 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 2018-04-15
Company: JPMORGAN CHASE & CO.
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 is missing that should be on the report

Complaint:
In XX/XX/XXXX, I sold, via a Deed of Assumption, a mortgage of {$58000.00} for consideration of {$68000.00}. 

On XX/XX/XXXX, I sold a condo for consideration of {$60000.00}. 

On XX/XX/XXXX, I received a Certificate of Satisfaction for said condo from the Clerk 's Office of XXXX XXXX XXXX, VA. 

None of the aforementioned transactions have appeared on any of my three ( 3 ) credit reports, XXXX, and WAMU/JP Morgan Chase. 

Due to the failure of these organizations to report my mortgages I can't get credit or purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: R & B Corporation of Virginia
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My step son was seen in the emergency room at XXXX XXXX Hospital ( XXXX XXXX ) on XX/XX/2017. He was covered under his father 's insurance as primary and mine as secondary. Because I'm the one who filled out the paperwork at the ER, they are holding me responsible for this bill ( he's not my son, I did not adopt him, his dad and I were separated at the time ). This is not my bill, however because it kept being sent to me after I tried to correct it with XXXX, I included it with my bankruptcy that I filed in XX/XX/2017 ( maybe XX/XX/XXXX? ). 
I disputed it through XXXX, however the response was : Result : Verified as Accurate and Updated -  it looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
I don't know what that means - but this should not be on my credit report, as it is not mine. It was included in a bankruptcy. Two reasons right there why it should not be on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent negative Bank of America credit card account reported in my credit report.

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 2021-04-08
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: JPMORGAN CHASE & CO.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged interest of {$20.00} on my Chase credit card for the XXXX bill that was due on XX/XX/14 total due was {$1900.00}. I paid {$1900.00} and and redeemed {$26.00} for the total payment {$1900.00}. This was paid on XX/XX/14 At XXXX XXXX. I was short by XXXX cents. That was a mistake on my behalf. 
I'm being charged interest of {$36.00} on XXXX billing due on XX/XX/14. I emailed them about it and was told to accept it. Was told my payment was late. It was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I went into Check Into Cash of California, INC On XXXX XXXX, XXXX to get a loan I was approved for cause online said I was approved when I did my application and to go to the store I have the email to prove this while at the store they said I had took out a loan in XXXX which I never did and it wen to collections so I called the number they gave me called XXXX XXXX and said its no longer their this is what the office told me but I further investigated and told them I never lived XXXX XXXX I lived in XXXX and I found record the corelogic/fronthit and saw this loan is XXXX XXXX XXXX in which they misrepresentation saying I was approved wasted my time and mislead me to believe I was approves this loan was in XXXX XXXX XXXX # XXXX they should not mislead consumer to get up dated information and prey on vulnerable people needing help this old account was off my credit charged of on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attempted to consolidate my loans to be placed on a different payment plan in order to lower my monthly payment amount. After being told different information by 3 different customer service employees when I called, I finally got the ball rolling in XXXX. I was told that I would HAVE to be placed on forbearance for the month of XXXX to give them time to process the request and that my next payment wouldn't be due until XXXX. I asked the person on the phone MULTIPLE times to confirm that I would NOT have a payment due in XXXX. I received documentation from Navient stating that my forbearance was approved and my next payment wasn't until XXXX. On XX/XX/XXXX I log onto my account to find that it says I have 2 past due payments. When I called customer service I was told that I was never placed on forbearance. In order to make my account current, I had to be placed on forbearance for this month and my next payment will be due in XXXX ( hopefully ). I keep getting wrong information and Navient is not doing their job. Had I not checked my account, this could have severely impacted my credit. Not to mention it is extending how long I have to pay off my loans, which is adding more interest. Because of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I received an alert from XXXX indicating remarks updated on equifax credit report in regard to my XXXX Student account. This information keeps changing and as fast as my credit score increases immediately the information on my XXXX will change and now I've lost 25 points. These changes aren't being done by XXXX XXXX because I've called them and asked and they informed me because these accounts are included in Bankruptcy there is no reason for them to keep changing. They report it as included in bankruptcy and that is it. I've contacted my bankruptcy attorney as well and they said they dont have a reason or authority to add anything to my XXXX information. Lastly, I haven't nor do I have a reason to dispute this information because it is included in bankruptcy. Someone within the credit bureau keeps changing the remarks on these 9 accounts without me being the one initiating the changes. This will be the 3rd time information has changed on these 9 accounts that has caused my credit score to drop. This is wrong and when I call XXXX  after speaking with XXXX svc'ing and being instructed by the agent at XXXX XXXX  to ask who initiated the dispute they could not provide me with that information. I want this to stop.

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 2019-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I noticed a double deduction of my credit card on my on-line bank statement. I immediately called Bank of America Visa to get this fixed. I was told that since it was in pending status, I would have to call back when it cleared the bank. I called again on XX/XX/XXXX when the double credit card payment cleared my bank, and after a 30 minute wait the person I spoke to said I had the wrong dept and would transfer me the correct dept. After another 30 minute wait, the representative I spoke with said I would have to wait another 3 business days to call back and get the funds reversed. This is the 2nd time BOA has done this to me. I worked closely with the BOA rep assigned my case to make sure this wouldn't happen again. And on XX/XX/XXXX I had a detailed 49 minute conversation with Mr XXXX, Ms XXXX, and technician XXXX to confirm a double deduction would not happen for the XXXX payment due on XX/XX/XXXX. The technician even logged onto my computer and assured me that BOA would not double deduct for the this payment. He was wrong. Since this same situation happened on XX/XX/XXXX and there were multiple conversations to get it fixed permanently, I assumed the original issue had been corrected. I was wrong. It doesn't surprise me though based on the different answers I get almost every time I call BOA.

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 2023-06-27
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I mobile deposited a check on XX/XX/2023 for {$2100.00}. They put a hold on the check and did not deposit the funds to my account. Then Chase, without warning, closed my account. They sent me a check for the amount of funds in the account but not for the check I had deposited that they were holding. They have withdrawn the funds and they have cleared from the check issuer 's bank but they will not release them to me or back to the check issuer. Chase says they need to verify a phone number with the check issuer business. They said they can not verify a number but will not tell me how or what they need to verify the number. They are just holding the funds and will not release them to me or back to the check issuer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been trying to clean up and credit and I am getting no help from the credit bureaus. I have sent in disputes back in XXXX and to this day I still have not heard anything. A simple letter is not that hard to get out and let know what going on with the disputes I file.

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 2019-11-05
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:
XXXX XXXX XXXX XXXX is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

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 2019-02-25
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive tried numerous times to resolve issues with Wells Fargo but they keep coming up with lie after lie trying to say they notified us when we were in danger of a foreclosure when you did not, saying we didnt pay when we did try to make payments but they told us we couldnt during a loan modification so they are the reason we fell even more behind on everything ... when we finally got a chance to do a loan modification they turn around and say we never did a trial run and we didnt make payments when we most certainly did and we have had enough we had to do not one but two emergency bankruptcies that cost us money we dont have and had to pay which messed up our credit even more ... not to mention the stress they have been causing us which in turn has made us not feel to great we want restitution in the amount of XXXX XXXX not a XXXX less ... we will not rest until we get this resolved and save our home and our sanity.. from what these crooks did to us ...

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 2020-12-13
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Deceptive practices, false and misleading representations in accordance of title 15 ( TILA ) and fraud for furnishing my private information to a third party in accordance to the privacy act of 1974. The amount that Im being held principal for is {$57000.00} with the monthly installments of {$830.00} ... .. The actions Ive taken so far were sending in a consumer enforcement action letter to inform them of the violations that were made. CREDIT ACCEPTANCE was informed the day of XX/XX/2020 when signed and received by one of the representatives! I also received a call from one the representatives on the day of XX/XX/2020 by the name of XXXX XXXX that works in the compliance department she asked me what did I want them to do in regards to the enforcement letter they received and my response was to be recompensed for the damages that has taken place against my natural person and for the account to be discharged in accordance to HOUSE JOINT RESOLUTION 192 ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was given this information thru my XXXX App and seen an account that I don't recognize. I called XXXX and was given the credit reporting agency who had recently concluded on my dispute that the information was accurate. So I tried contacting XXXX XXXX and was repeatedly hung up on for days. They will not furnish any information regarding this alleged account that was supposedly opened in 2007. I made my intentions known that I wanted a description in writing of how the investigation into proving accuracy was conducted. This credit reporting agency is who I want to file the complaint against because I don't believe they have effectively investigated this account. I have no knowledge of this account and was only trying to obtain more information on the original creditor.

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 2023-06-26
Company: Block, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got notifications on XX/XX/23 that my cash app account was closed for my business. I made a number of calls and chat asking to explain how and why and can I voice my concerns and report a complaint many agents hung up in my face and stated they dont have any information for me but I broke a rule they cant even explain to me and wont allow my account to be open

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
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:
PROFESSIONAL BUREAU OF COLLECTIONS, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON MY XXXX CREDIT REPORT. 
They are collectors for XXXX XXXX XXXX.At the only visit I have ever had I needed to have a tooth pulled.I paid {$200.00} cash at the time of service.In addition I had a deep cleaning which was covered by my XXXX XXXX XXXX   XXXX that I was told was covered.I was given a prescription for XXXX that was paid for by my insurance.This debt is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was informed when I called the insurance agent that my homeowners policy had been canceled due to nonpayment. 
I had carried the same insurance since XXXX. My escrow is handled by the mortgage company. 
Not only do I not have my homeowners policy but no hazard insurance was placed during the lapse. 

My mortgage company in loancare acct # XXXX XXXX I am trying to get an insurance policy in place, the mortgage servicer refused to assist and did not inform me there is currently no coverage when I spoke to XXXX in the insurance dept last night. He stated it was all up to me. I placed a call to my former issuing agent XXXX XXXX XXXX Maine XXXX and they will get back to me. XXXX XXXX will not reinstate me due to cancelation for non payment ( by mortgage company. 
How can I protect myself?

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 2023-06-29
Company: Experian Information Solutions Inc.
State: IA
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:
The following account currently listed and showing on my XXXX and Experian credit report has an incorrect balance : XXXXXXXX XXXX  XXXX XXXX, {$510.00}. The balance of {$510.00} is inaccurate. The XXXX XXXX XXXXXXXX XXXX account is paid in full and I have a balance of {$0.00}.

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 non-monetary relief
Consumer complaint received 2021-04-08
Company: Specialized Loan Servicing Holdings LLC
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:
Please see complaint XXXX, filed on XX/XX/XXXX. Attached is their response dated XX/XX/XXXX. Please note, that they state I was provided forbearance that was approved from XX/XX/XXXX through XX/XX/XXXX. Attached is my credit bureau pulled on XX/XX/XXXX showing they were reporting the account closed 120 day late. I have also included the document they sent on XX/XX/XXXX a request had been given to them to have the forbearance removed ( on a closed account with a new due date on XX/XX/XXXX. 

XXXX action items were required of them to do : 1. Correct the status of the account on the credit bureaus - COMPLETED 2. Have all credits rescored after correction - NOT COMPLETED 3. Return late payment monies taken out at closing they were not due as they have admitted that I wasn't late ( approximately {$17000.00} ) - NOT COMPLETED Attached are two of my XXXX  credit bureaus. 

Report dated XX/XX/XXXX showing SLS reporting the account closed at 120 day late and my credit score XXXX. 

Report dated XXXX showing SLS reporting the account closed paid as agreed, score at XXXX. 

I have only one 30 day late pay in XX/XX/XXXX that was closed that same month. The bureaus have not been rescored.

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