BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I paid loan in full on XXXX XXXX, XXXX. Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX, Ok.sent me on XXXX XXXX, XXXX what was suppose to be the necessary releases to get lien released and get a clear title. I submitted request to Tennessee DMV with necessary documentation provided by Caliber Home Loans. DMV returned paperwork to me showing that a lien from XXXX XXXX XXXX XXXX XXXX XXXX , Ga. XXXX was shown as lienholder. I called Caliber and was instructed to contact the release dept. via e-mail. They would not give me a phone number. A copy of e-mail correspondence is attached. My primary complaint is that I was promised on XXXX XXXX, XXXX that Power of Attorney to get lien released would be mailed that day. I can not sell or trade motorhome with the release of lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
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:
I was advised to contact you guys regarding some items on my credit that are not mine. I have contacted the ftc and the city police. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX. I'm trying to purchase a home and this is really keeping me from being able to live my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was advised to contact you guys regarding some items on my credit that are not mine. I have contacted the ftc and the city police. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I'm trying to purchase a home and this is really keeping me from being able to live my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: JPMORGAN CHASE & CO.
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:
i recently cleared up my credit by paying off a mortgage and paying off my personal bills. I was able to establish a credit score of XXXX via XXXX. I applied for a credit card with chase and was granted a {$7000.00} limit card. I have not opened any other accounts i have not even used the card. Chase turns around and cancels the credit card dropping my credit score to XXXX which i believe is unfair to me and the hard work i put in to getting my credit to where it is currently. I am looking for an apartment currently and now that chase has done this it disrupted my whole life, and Chase can careless what they've done to me. I find this highly unacceptable that i will have to suffer when i clearly did not do anything. I am coming to the financial bureau first to help rectify this situation, before going to the news media for publicity help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Experian Information Solutions Inc.
State: IN
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 XX/XX/XXXX I had an auto loan deleted from my credit. Now its XX/XX/XXXX its still reported on my credit as not been deleted

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 2020-11-15
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2020, i sent a letter requesting verification of inaccurate accounts listed on my credit report. I didn't receive a response so I sent another letter on XX/XX/2020 asking them to do the same again. I still haven't gotten a response. it's been 3 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have ordered authorized user 's credit card but never received and therefore never activated. All of the sudden I have bunch of charges shown on my statement. I filed the fraud dispute so many times but Chase Bank never took care of this issue. I have been making minimum payment on unauthorized charges to keep my credit history good. This is not fair that I am making payments on some one else 's charges. 
I informed Chase Bank that I never received the credit card for authorized user and how can i activate the card if i don't have it?!!! How can I have charges when I did not activate the credit card. I believe this was an error by Chase Bank and I hope they take care of this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
on XX/XX/2018 I tried accessing my online banking account with Bank of America. My login credentials did not work. To avoid locking my account, i tried to reset my password. After giving my debit card and SSN details, I was then given a message that i no longer had online banking access and to call customer service. I called customer service and I can not get in contact with a human being. I keep being asked for a card number, and then Im told the card number does not exist. The automated system refuses to connect me to a human being. That last email I received from Bank of America was on XX/XX/2018. I have not since been in contact with Bank of America nor have they tried to contact me regarding the status of 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 2017-08-01
Company: Experian Information Solutions Inc.
State: LA
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:
Under the new law effective XXXX XXXX, 2017, any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit bureaus have not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit reports.

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 2019-03-17
Company: Southern Auto Finance Co
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have tried to contact this bank many times. But the letters keep coming back saying the address is incorrect. I used the exact address listed on my credit report. I tired calling but the phone number don't work. But this company keep reporting on my credit report. Saying I'm delinquent. And this was a loan from about 6 years ago. And there's no way to contact them. This needs to be removed off my report. And I need proof of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I called XXXX XXXX XXXX on XX/XX/XXXX to close one of my two credit card accounts with the bank. This account, like all of my accounts, was in good standing ( " current, paid as agreed '' ). The representative accidentally closed the wrong credit  card account. She referred me to XXXX XXXX  AXXXX Credit department, which on XX/XX/XXXX reinstated the improperly closed account. This triggered an erroneous hard credit inquiry from XXXX  XXXX XXXX on XX/XX/XXXX. 

XXXX  XXXX XXXX acknowledged their error and allegedly, over the course of six months, repeatedly attempted to resolve their mistake with TransUnion. After six months, the hard inquiry remained on my credit file. I mailed a formal Request for Investigation to TransUnion on XX/XX/XXXX. I included a detailed description of XXXX XXXX XXXX 's error, and listed dated case reference numbers associated with the bank 's attempts to remove the inquiry from my TransUnion credit file. 

I received Investigation Results from TransUnion on XX/XX/XXXX, stating : " No update necessary '' and showing the good standing of the XXXX XXXX XXXX credit card account I had originally intended to close ( and did close ). They made no attempt to understand or resolve the error with my other account. The erroneous hard inquiry remains on my TransUnion credit 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 2020-10-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am extremely furious and I pray that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. At this point, its been over 60 days. I'm pretty sure that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.

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 2019-03-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have contacted Equifax over 29 times disputing fraud items on my credit file only with Equifax. I have several accounts that are fraud and the ladies who stole my identity have been found guilty and sent to jail. i have faxed and uploaded every police report and court document to prove to them this wasn't my accounts. when i file the dispute it says 30 days and you'll get our desion, NOT Equifax, within 2-3 days i receive a email saying the items are updated and there correct. 
XXXX XXXX XXXX XXXX is FRAUD XXXX XXXX XXXX is FRAUD XXXX XXXX for XXXX of XXXX is fraud. 
The crazy thing is i received a auto loan of XXXX from XXXX XXXX XXXX back in XX/XX/XXXX and the loan officer stated it looks like we gave a loan out in your name and it was fraud and then he said i'm so glad we caught XXXX XXXX and XXXX XXXX from using your identity. I stated well its still on my Equifax file. He said let me check that for you, 10 minutes later he said the bank has never received any of your disputes and XXXX XXXX as requested several times to have the items removed and blocked. XXXX  and XXXX  have both removed the fraud accounts and blocked them over a year ago but not Equifax. I filing legal actions against Equifax next week. Now my bank is calling my loan in due to whats on my Equifax Credit File. I what them removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: DISCOVER BANK
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I don't know when this credit card was opened and I've been living at XXXX XXXX XXXX, XXXX Ks. So get your facts right. My number is XXXX. I've had my identity stolen twice. Do I need to send you my papers from the federal government website?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was notified by Chase XXXX Fraud Department that my XXXX XXXX Credit Card had a questionable charge around {$9000.00} at a XXXX XXXX XXXX location somewhere in Georgia. I verified that this was a fraudulent transaction and both my wife and I were in possession of our cards. 

Chase asked me if I received the new card I recently requested and I told them I had not requested a card. They told me someone requested a card in my name to be shipped to my home and it was delivered. I work from home and my office is adjacent to the front door and XXXX had not delivered a card. I asked them how someone could request a card and they told me the person provided my security answer. I told them that my security answer was not written down and only applied to this account. I then changed my security answer and they cancelled both the old card and the new one they issued only in my name. They sent my wife and I new cards, which we validated upon receipt. 

I then asked the Fraud Department how anyone could have obtained my security answer and the supervisor told my they had not asked for my security answer as the phone number showing on their end was my home phone. My wife and I were home when Chase received the request for a card under my name and we live alone. We did not call to request a card. Chase has changed their story several times regarding the procedure for issuing a new card without verifying who they were speaking to. It is my opinion that someone in their Fraud Department is scamming customer accounts. They told me that this was impossible and I then asked how they issued a card to me that I did not request without verifying who I was and how they delivered it when I was home all day and no one came to the door. 

I requested someone in the executive department contact me and have had no response. I work as a XXXX  to the XXXX XXXX in XXXX and my wife is a XXXX XXXX. I am home unless I am on the road for business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a charge for {$68.00} from XXXX XXXX XXXX on my credit report and the collection agency is Grant Mercantile Age for XX/XX/2013. 
I was not at that medical group in XX/XX/XXXX or XX/XX/XXXX and was out of town on business. 
This is erroneous billing and needs to be removed from my Credit Report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: CORELOGIC INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have been receiving several mail items to my home regarding a seemingly fishy company called XXXX XXXX XXXX XXXX XXXX, which they claim is linked to the legitimate company ( CoreLogic ) claiming that they paid my property taxes for me, and are seeking reimbursement. 

I have repeatedly ignore these requests as they sound extremely scammy and because I've paid my property taxes directly with the county.

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 2019-03-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
So I had a credit card through XXXX XXXX opened up fraudulently as well as a bank account and many other accounts. So I made a police report and canceled all accounts. I reported it to all 3 credit Bureaus. I called XXXX XXXX to provide police report number and I thought it was all taken care of. But they reported as bad debt. I tried disputing it and it came back verified. I requested the information obtained to verify the debt and nothing. So I doubled back to XXXX XXXX and the noted all the information, police report in file and everything. But stated there only objective was to collect the debt so the account has been sold to XXXX XXXX. I spoke with a XXXX  rep who told me the address connected to the account which was added to my report based off the credit card account was the verification. Its a fraudulent account due to identity theft. This is a hard process even with documentation.

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 2021-04-27
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:
There are 7 accounts that are on my credit report that I have been disputing with the bureaus and the furnishers since XXXX these accounts are not mine and they do not belong to me I need to get these accounts off my credit asap. I have filed for FTC I have a notarized identity theft affidavit but nothing is being done about this. 

XXXX  XXXX XX/XX/XXXX- XXXX  {$0.00} XXXX XXXX XXXX - XXXX {$11000.00} XXXX XXXX XXXX XXXX - XXXX {$19000.00} XXXX XXXX  - XXXX {$11000.00} XXXX XXXX  - XXXX {$5500.00} XXXX XXXX - XXXX {$5500.00} XXXX XXXX XXXX  XXXX  - XXXX {$6200.00} Inquiries XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXXL 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 explanation
Consumer complaint received 2020-05-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had an IRS payment plan through my payroll. For some reason the IRS decided to withdraw from my bank account. It overdrew my account. This resulted in a {$35.00} overdraft fee. I was in the hospital with a bleeding ulcer so I attempted to close my account to avoid this in the future. I was told I had to do so in person. When I tried to resolve this in person, they gave me a phone number to call. When I contacted them the charges where disputed. When reviewed they disallowed the dispute and turned it to collection. The {$86.00} is now {$260.00}, which I offered to pay the original {$86.00} to no avail.

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 2020-08-24
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Private student loan servicer Navient has been making CONSTANT phone calls to me ( from phone numbers that my phone carrier flags as " spam '' or " possible scam '' ) to HOUND me MERCILESSLY about making a payment that, by admission on Navient 's own statement, IS NOT EVEN LATE YET!!! 
This situation could have been mitigated, or even completely avoided, if Navient had refrained from sending me a semi-literate letter indicating that my forbearance period was coming to an end on XX/XX/2020, without ANY indication of when the next payment would be due, the payment amount, etc. It would have literally required an additional sentence on the semi-literate letter that Navient sent to me - this is hardly rocket science, and is not something that I, as the borrower, should be required to brainstorm or to fix for a multi-BILLION dollar corporation like Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Adler Wallach & Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a debt for XXXX XXXX received from XXXX XXXX XXXX with XXXX XXXX XXXX. for an XXXX  XXXX XXXX. There was a delay in payment due the my dental insurance originally denying the claim as not medically necessary. I was not aware there was an issue with this service for a XXXX XXXX until a bill was received from AWA for {$710.00}. I reviewed my dental charges with XXXX XXXX and saw the amount of the bill was {$530.00}. At that point a payment in the amount of XXXX was sent directly to XXXX XXXX XXXX via XXXX. After a dispute was submitted to all three credit reporting agencies, the amount of the debt was reduced to {$310.00}. Once it was discovered the amount was less than the original debt, an additional {$130.00} was sent directly to XXXX XXXX XXXX for another {$130.00}. I have called AWA several times on this matter. I spoke with XXXX XXXX, ext XXXX and was advised i needed to send a copy of the payment that was sent to XXXX XXXX. This was done but when i called to verify the status I was advised the fax was illegible. At this time I also asked XXXX if he had reached out to XXXX XXXX 's office directly to verify the payment and he advised they weren't allowed to ask that and could only call the dentist 's office if they had proof of payment themselves. So I submitted a very, very, clear image of the payment shown by XXXX. I since have left several messages with XXXX at AWA with no response. The bill is still showing on all three credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief