BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
AS A CONSUMER, I NEED TO UNDERSTAND PLEASE WHY IS NOBODY LISTING TO MY COMPLAINS. THE CLOSED BANK OF AMERICA ACCOUNT. THIS ACCOUNT WAS OPENED, MAINTAINED AND CLOSED BY SOMEONE ELSE WHOM I DON'T RECOGNIZE. I HAVE NOT AUTHORIZED THIS ACCOUNT TO BE OPENED, MAINTAINED. SOMEONE STOLE MY INFORMATION, AND OPENED THE FRAUDULENT 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 2018-09-23
Company: Credit Solutions
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Balance is XXXX to different collection agencies. Was paying the hospital XXXX a month and they still sent me to collection I didn't know this and want to know where the money went that I was paying a month never received anything from the collectors cause I thought I was in good standing cause at least I was paying something towards it and now they are on my credit reports in collections. I don't think it's right since I was paying and they debt was only 4 months old before sending it to collections. Now I'm getting phone calls at all hours of the day everyday from collections

Company response to consumer: Untimely response
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello. My name is XXXX XXXX, I have reached out to Experian and XXXX regarding the improper/incorrect/false/illegal reporting to my personal credit report from a creditor by the name of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have also tried resolving the issue with the creditor directly. I have had several frustrating interactions with all 3 companies for years now as the issue has yet to be resolved. The company [ XXXX XXXX XXXX, XXXX ] is reporting a closed account to Experian but is reporting the same account as open, negative and with an incorrect balance to XXXX. I am trying to resolve the matter with the creditor as it is negatively hurting my personal credit causing greater issues in my personal life. I am unable to resolve said debt with illegal and false information being reported and the reporting bureaus accepting this illegal and false information and reporting it.

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 2021-03-13
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: Was not notified of investigation status or results

Complaint:
I sent a dispute letter to all 3 bureaus asking them to dispute some unknown and unauthorized inquiries on my credit report. I sent the letters on XX/XX/XXXX. I have yet to hear from them in regards to my disputes. The credit companies are not complying with their own policies in a timely manner and I am asking for you help to get a response from the bureaus as well as deletions of inquiries in question. 

Company : Factual Data - Date of Inquiry : XX/XX/XXXX - All three bureaus Company : XXXX - Date of Inquiry : XX/XX/XXXX - XXXX XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX - XXXX XXXXXXXX : XXXX - Date of Inquiry : XX/XX/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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Please reverse the late payments reported on the following accounts : XXXX   XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-05-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
One of my businesses, XXXX XXXX, XXXX maintained an active checking account with JP Morgan Chase for over 6.5 years. The business is a wholesale car dealership that is partnered with another dealership ( XXXX, XXXX who banks at XXXX XXXX ). XXXX is my only customer as I buy cars from them to help them expand their buying capacity and then when they sell the cars they buy them back from me. As the business grew this resulted in a large number of checks to buy cars ( written to XXXX ) and sell cars ( received from XXXX ). Given the increase in volume I had changed the account 3 months ago to an account that allowed a higher number of transactions. On XX/XX/2019 as I was trying to make 2 deposits to the account I was told the account was " restricted '' and could not process any transactions. I found out that the account had been frozen, along with {$140000.00} that was in the account and turned over to the compliance department. I was initially told that after 10 business days the account would be closed and a check would be sent out with the funds. It has now been almost 20 business days and I was told that the account is now in " investigations '' but no one will tell me why or what is being investigated. I also filed a complaint with the JP Morgan Chase executive office who called me and said they were looking into the situation but have since not returned my calls over the last 3 days. The bankers who I know personally in the branch have not been able to directly talk to the department who is handling the account now and have no answers for me as to why it has been sent to investigations or why or when I will receive the funds. The inaccessibility of these funds is causing a severe hardship for our business to continue meeting the needs of our customer which is causing a strain in the business relationship. It is also resulting in lost profits in the amount of approximately {$2000.00} for every month the funds are held in suspense. The bank has not provided any explanation other than they froze the account because I was writing checks on uncollected funds ( meaning I made deposits from my customer and wrote checks to my customer on the same day ) and after deposits hit the account there were always sufficient funds to cover outstanding checks. JP Morgan Chase is effectively placing economic " sanctions '' on me by not making these funds available and holding them indefinitely without providing any reason why or contacting me to try and get a better understanding of the account activity so can show there was nothing nefarious going on. I have attached an excel spreadsheet of all bank activity in this account for 2019. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Inconsistent reports that never reflect the truth. Dates, amount due, and delinquency constantly changes. My credit score will fluctuate by almost XXXX points in a day.

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 2020-05-16
Company: RIA FINANCIAL
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2020 at XXXX I made transfer Walmart to Walmart online using XXXX XXXX. My wife was already there to pick up the money but was told I needed to call to verify info first and the amount exceeded the amount allowed to be received. At this point I called customer service at XXXX XXXX  to cancel the transaction I was told I couldnt cancel transaction because u needed to verify info first so I was transferred to department for verification and was on hold for over 3 hours. Once I finally verified all info I cancelled transaction but was only refunded partially due to not canceling in required 30 minutes although I was not allowed to. I have recorded communications where customer service representatives misrepresented themselves as supervisors and refused to transfer calls and terminated calls although issues were not resolved. I have made dispute with my bank and am requesting full refund for XXXX due to not being able to cancel Im 30 minutes when I was told I couldnt. These tactics used are equivalent to sales fraud and the customer service representatives handled this poorly and were very disrespectful

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Dovenmuehle Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my VA loan to take advantage of the lower interest rates. The loan refinance process was straightforward and completed in a timely manner. I was extremely pleased. Once the servicer took over is when everything went backwards. It started with our mailing address change ( from street to PO Box so letters would not be returned to the sender. I fax a changed request, and it wasn't completed. a month later, our school property tax bill came in, and we were granted the homestead allowance, reducing our school tax burden. I called and they recommended I submit a change of address form through email, and the new tax bill via another email to the tax/escrow dept. 

A month later, the taxes were coming due and I call when I hadn't been communicated that the bill was paid. I also noticed my mailing addressed wasn't changed. Customer service said they submitted a ticket for both, and we would see the payment go through and my address would be adjusted. Two days later, my taxes were paid, but it was for more than double the amount of my bill. I called and they said it was for all my property tax bills ( township , county, and school ). My township and county taxes are not due until XX/XX/XXXX of every year, and even if you add ALL my taxes together it was still {$2000.00} less than the total that was paid for the school taxes. I emailed them all my XXXX tax bills, and spelled out when they are due for the Paid in Full discount ( XX/XX/XXXX for school, XX/XX/XXXX for township ). I was concerned my monthly bill would be increased. Today, I was informed that my escrow was increased to cover the incorrect tax bill, and a call to customer service again indicated that the tax/escrow office " does not take phone calls ''. I have no other recourse at this point and would like to let others know this is how this company operates. I regret financing away from my original mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have recently requested for a full check of accuracy on all three of my credit 's reports from, XXXX, Equifax and XXXX. I have done a full investigation on this accounts that I have notice to not be accurate on my reports, after I requested the credit bureaus to look in to the this matters at hand. I requested my credit bureaus check for accuracy in XX/XX/2022 and also in XX/XX/2022, I see there are serve accounts that are not accurate or not mines still present on my reports. According to The Fair Credit Reporting Act, 15 U.S.C.1681 section 602A. States I have the right to privacy. The Fair Credit Reporting Act, 15 U.S.C. 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Here is the listed of account wrongfully, inaccurately, or not mines at all that is still been reported on all the credit bureaus or just on one or two bureaus. I also have a police report on where my wallet was stolen out of my car. Someone was trying to open accounts in my name. 

XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX I Account Number XXXX XXXX  Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Original Creditor XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX have been reaching out to this company for months to remove these items from my consumer report. I have sent letters and made calls and for some reason I couldn't get any cooperation from them. I think this is disrespectful to the consumer that agencies are furnishing my report without my consent which is a violation of the FCRA. I want these accounts removed from my consumer report immediately it is hindering me from using my own credit which is right that have as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
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:
I have disputed the late payment status reported on XXXX XXXX XXXX   XXXX***** with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
These accounts are inaccurately reporting that I was late on my credit file : 1. XXXX XXXX ( Opened : XXXX XXXX ) - is incorrectly reporting that I was 60 days late XX/XX/XXXX ; please send me proof that this information is accurate. 

2. XXXX XXXX ( Opened : XX/XX/XXXX ) - is incorrectly reporting that I was 60 days late XX/XX/XXXX ; please send me proof that this information is accurate. 

3. XXXX XXXX - is incorrectly reporting that I was 30 days late from XX/XX/XXXX - XX/XX/XXXX and XXXX & XX/XX/XXXX ; please send me proof that this information is accurate. 

4. XXXX XXXX XXXX XXXX is incorrectly reporting that I was 30 days late XXXX XXXX ; please send me proof that this information is accurate. 

5. XXXX XXXX - is incorrectly reporting that I was 120 & 180 days late from XX/XX/XXXX - XX/XX/XXXX ; please send me proof that this information is accurate. 

6. Incorrect Personal Information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX There is one account that is reporting on my credit file that does not belong to me : 1. XXXX XXXX XXXX - XXXX XXXXXXXX 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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On three credit reports XXXX, transition, XXXX   shows I owe money to XXXX XXXX XXXX opened on XX/XX/2019 for XXXX dollars.

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 2017-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Again, since XX/XX/XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XX/XX/XXXX. I even filed a complaint in early XX/XX/XXXX with CFPB. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status regarding TRANSUNION : XXXX XXXX Acct No. XXXX. In XX/XX/XXXX, I contacted XXXX XXXX directly to obtain a clear title of my car which was paid in full in XX/XX/XXXX. At that time, XXXX XXXX XXXX did not make aware of any outstanding debt nor did XXXX XXXX advised of any late payment ( s )! I received the clear title in XX/XX/XXXX. The 60 months term commenced in XX/XX/XXXX and terms ended in XX/XX/XXXX. To date, I still have not heard from TransUnion of my dispute allegedly reported from XXXX XXXX XXXX. 

However the only response from TransUnion via CFPB : We have reviewed your complaint along with the information you previously provided regarding this issue. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information will be verified or updated accordingly and the results will be forwarded to you for review. In order to preserve your rights under the FCRA, we have opened an investigation into the disputed item and contacted the source to advise them of your dispute. They will verify the accuracy of the item and inform TransUnion of their results. When the investigation is complete, we will mail the results of the investigation to the current mailing address we have on file for you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : //transunion.comXXXX for frequently asked questions about your 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 non-monetary relief
Consumer complaint received 2020-11-18
Company: Fidelity National Financial, Inc
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I contacted several attorneys to do the closing on my XXXX XXXX XXXX XXXX, XX/XX/XXXX. XXXX house and they all declined. I was told that the house was foreclosed on and couldn't be sold and I was also told that the house is in a pool of homes that can't be sold alone. I got a call back from XXXX XXXX who said that he could do the closing. Many closing documents show XXXX XXXX XXXX XXXX, XX/XX/XXXX and the seller 's section 1445 IRS tax information shows that they sold me XXXX XXXX XXXX and not XXXX XXXX. 

What it comes down to is that no one is producing the requested paper work and potential buyers are telling me that there is no title insurance. The DEED and the TITLE INSURANCE show very different locations. I need to verify is if Chicago TITLE actually issued a policy and not just a binder. The binder number XXXX is all I seem to get from Chicago when I request a copy of the TITLE POLICY. Can Chicago TITLE please verify if the commitment to title was ever issued? 

I have tried to get information about my original XXXX purchase mortgage with XXXX XXXX XXXX XX/XX/XXXX along my refinance information with XX/XX/XXXX Lenders in XXXX. So far XXXX XXXX XXXX XXXX who acquired XXXX has produced no records of the mortgage at all. XX/XX/XXXX Lenders has not produced anything to prove that the actually paid off the existing mortgage. I have requested XX/XX/XXXX Lenders to provide the lien release that should have been issued when the XX/XX/XXXX was paid off. There is no record of the mortgage being satisfied and there is no record of the mortgage being discharged. XX/XX/XXXXLenders has not produced anything to prove that they actually paid of the existing mortgage if there really was a mortgage to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Well, I XXXX XXXX opened an account on the XX/XX/XXXX because of all the hacking going on with b of a. XXXX then proceeded to get a personal account with XXXX n set up an reoccurring transfer from b of a to XXXX so as I dont lose anymore money. 
Money was deposited into my account on XX/XX/XXXX ; on my b of a debit card thru XXXX, and I dont know if it actually takes 2 days to deposit into my personal account?, but I called this morning and my money isn't in my XXXX account as the transfer was made from b of a

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