BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: AMERICAN PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home with American Pacific Mortgage and the first payment was due XX/XX/XXXX. I mailed a check in on XX/XX/XXXX that was cashed on XX/XX/XXXX. Shortly after the check was cashed, I received notice that the loan was sold to XXXX XXXX XXXX. American Pacific Mortgage has no record of receiving my payment even though I have provided them a copy of the cashed check. My mortgage is late and they have said they are researching the issue several times and don't seem to be locating my payment, which needs to be transferred to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX # XXXX Applied to open account over 2 months ago prior to today 's date of XX/XX/20. Received a preliminary approval and have been signet for two months. They have my information and important documents, no call or email back and total lack of professionalism on their behalf. 


Axos Bank in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these 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 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After reviewing my current Transunion credit report. I notice an account under the name ( XXXX XXXX XXXX ) is currently reporting multiple inaccuracies and violations under fcra rules. 

: Currently Account reports no date of last activity. A FCRA rules violation section 1681 : Currently Account reports no date of first delinquentcy. A FCRA rules section 1681.

Currently Account reports as being charged off but still reports negative remarks each month in payment history. A violation of FCRA rules section 1681. 
Currently account reports last date updated was in XXXX of XXXX while this account was disputed in XXXX of XXXX. A violation of FCRA rules.

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 2021-06-04
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I PAID OFF MY LOAN IN FULL XX/XX/XXXX CROSSCOUNTRY SENT A LETTER TELLING THEY HAD NOT COMPLETED THEIR INVESTIGATION OF THE ERRO IDENTIFIED IN THEIR CORRESPONDENCE. 
XXXX XXXX THE LENDER CROSSCOUNTRY SAID THEY SENT THE ESCROW REFUND FOR {$5700.00}, BUT I NEVER RECEIVED THE CHECK XX/XX/XXXX I SENT A FAX AS A REQUESTED BY CROSSCOUNTRY TO CHANGE MY MAIL ADDRESS, THEY SAID THEY HAD ANOTHER MAIL ADDRESS. 
XXXX XXXX I CALLED CUSTOMER SERVICE ( XXXX ) XXXX XX/XX/XXXX I AGAIN CALLED CUSTOMER SERVICE XX/XX/XXXX I AGAIN CALLED CUSTOMER SERVICE XX/XX/XXXX CROSSCOUNTRY SENT A LETTER SAYING THAT THE INQUIRY HAS BEEN RESOLVED. BUT THAT WAS NO TRUE. 
XX/XX/XXXX I AGAIN CALLED CUSTOMER SERVICE XX/XX/XXXX CROSSCOUNTRY SENT ANOTHER LETTER SAYING THAT THE INQUIRY WAS BY REVIEWING BY THE APPROPIATE AREA. 
XX/XX/XXXX I SENT A CERTIFIED LETTER TO REQUEST THE ESCROW REFUND FOR {$5700.00} XX/XX/XXXX CROSSCOUNTRY SENT A LETTER THAT SAID THE SAME THAT ITS LETTER IN XX/XX/XXXX. 
FINALLY, XX/XX/XXXX I RECEIVED A LETTER SAYING THAT ACCORDING THEIR RECORDS CHECK NUMBER XXXX, DATED XX/XX/XXXX, FOR ESCROW REFUND OF {$5700.00} WAS CASHED ON XX/XX/XXXX. AND THEY DIDN'T ATTACH ANY EVIDENCE IN THE LETTER. 
THAT IS NOT TRUE BECAUSE WE NEVER RECEIVED THAT CHECK, THE MAIL ADDRESS THEY HAD IN THEIR RECORDS WAS WRONG THEY SAID IN XX/XX/XXXX THAT WAS WHY THEY REQUESTED US TO SEND A FORMAT BY FAX TO CHANGE THE ADDRESS AND WE DID THAT.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft ALLY FINANCIAL Account Number : XXXX This is not mine.

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 2021-07-19
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-02-11
Company: XOOM CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I attached screenshots of my transaction with XOOM. 

I send money to my parents in the XXXX 2-3x a month. They need this money for their livelihood like food, bills, medication, etc. its their money from their retirement. They need it. 

My mom said she tried multiple different money remittance agencies and all told her that the transaction is Unauthorized. WWHAT?!! 

I used my XXXX XXXX credit card to send their money, but now they cant even get it. 

We live in very rough times ... Why is xoom doing this?! 

Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a victim of Identity Theft. As a result, a phone bill was manufactured in my name. I went down to my local police department and filed a police report with the direction of XXXX. The collection account placed on my credit from XXXX XXXX in this regard was deleted. 

That said, Enhanced Recovery collection agency has placed the them account on behalf of XXXX on my credit. I have never received a notice from them they just placed the account on my credit- if they would have contacted me the would have known this is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX {$2000.00} XXXX XXXX $ XXXX XXXX {$220.00} XXXX   XXXX {$290.00} XXXX  XXXX {$500.00} XXXX   XXXX {$140.00} XXXX  XXXX {$31000.00} XXXX  XXXX XXXX {$390.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a notice that a checkings account was opened in my name at Bank of America. I never authorized this action, and never submitted any signatures or approval for this. The account opened in question is called a Bank of America Advantage Banking account, which has management/maintenance fees involved. Since I never opened the account and won't put any money in, this account will potentially accrue a litany of ( invalid ) fees and potentially affect my credit negatively. I need this account closed immediately. Bank of America has used my personal information and identity without my permission in an illegal way. Absolutely unacceptable. This should not happen at a national bank of this level. I called Bank of Americas customer service line but never reached a representative and had the line hang up multiple times. I understand that COVID has increased call times, which has led me to report this to this federal department. Similar to the XXXX XXXX scandal where they opened accounts without user permission, it is clear Bank of America is doing similar criminal activity. 

Potentially relevant information : - I have 2 credit cards at BoA - Product name : Bank of America Advantage Banking account - Dispute : invalid account opened without permission/knowledge, misuse of personal information - Product was never advertised - Contract or any paperwork was never signed by me or anyone I know - Attempted to reach Bank of America on XX/XX/2020 ... placed on indefinite hold - Have submitted forms to Office of Comptroller & CA Attorney General

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 2021-06-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a woman with my same name and birthdate who was hospitalized in XXXX of 2019. She ultimately XXXX in XX/XX/2019. Her hospital bills hit my credit report. I have spent months contacting the collection agency, transworld systems inc, and the hospital and sent documents proving its not me. the transworld system has opened over 50 accounts on my credit reports. 

This has caused and issue with the SSA and IRS. on top of destroying my credit and preventing me from acquiring credit and an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2018-05-10
Company: Dyck-O'Neal, Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I had a house foreclosed in XX/XX/XXXX that had a XXXX XXXX loan. I paid the required mortgage insurance throughout the length of the loan. After the forclosure happen they turned the amount that the insurance company paid to the bank over to a collection agency, Dyck ONeal. They threaten to take my pension check so I agreed to make monthly payment of {$200.00}. I have been making that payment since XX/XX/XXXX. Do they have the legal right to go after me for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: LA
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account numbers XXXX and reporting incorrectly that I am ( 30 ) days late on partial account numbers XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: WELLS FARGO & COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried several times to contact Wells Fargo to resolve a debt that I do not believe to be mine. I need proof that this account was opened by me. I need proof of authorization and my signature. I have tried to dispute this debt several times and have paid it in full because of the impact it had on my credit.

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 2019-05-31
Company: Midwest Recovery Systems
State: NE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Derogatory mark appeared on my credit report from MIDWEST RECOVERY SYSTEMS to the tune of {$350.00}. No prior notice or contact was received from any company, no verification of the debt was even attempted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: SUNRISE CREDIT SERVICES, INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I cancelled my account and wireless services with XXXX XXXX XXXX, requested a final bill and with total amount owed on devices, XXXX XXXX XXXX did not cancel services and kept non charging me for services event though I had already switched companies, they never submitted a cancelation of the account to the department that handles closing accounts, for over a year and a half I kept contacting XXXX XXXX XXXX to get this matter resolved, speeded hours on the phone with several representatives and supervisors, they admitted their mistake and made promises of correcting the issues. XXXX XXXX XXXX  never contacted me back as they promised they would, never provided me in writing any information of the corrections, in fact they did nothing and kept on charging me erroneously for an account it was inactive since XX/XX/XXXX, on or around XX/XX/XXXX a collection with XXXX XXXX showed up on my credit report regarding this account, I filed a dispute with XXXX  and it was removed since there was incorrect and inaccurate information reported to my credit bureau, on or around XX/XX/XXXX another collection showed up from the same creditor this time under Sunrise Credit Service collection agency, reposting again incorrect and inaccurate information, they refuse to remove the information and make numerous threats to harm my credit since their client XXXX XXXX XXXX has submitted that those were valid charges, after contacting XXXX XXXX XXXX on XX/XX/XXXX an adjustment of {$790.00} was made into the account since they admitted and realize the mistake made since XXXX, Sunrise Credit Services keeps on reporting to my credit report this account that in fact it should have never been place in collection if XXXX XXXX XXXX would correctly cancel the account in XX/XX/XXXX, there has been nothing sent in writing and XXXX XXXX XXXX refuse to provide writing documentation and refuse to correct and delete this information from my credit report even though we are still working on finalizing the bill with the correct charges.

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 2018-07-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2018 chase card reported unrecognized hard inquiry on my XXXX credit report, which its not my

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: CITIBANK, N.A.
State: DC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am filing a complain the CFPB because I returned items and never received a refund for what I returned. On XX/XX/2020 I purchased a number of furniture items from XXXX. One of those good included a table. After receiving the table I decided to return it. I contacted XXXX directly and told them I was returning it. I schedule the pick-up and then XXXX retrieved it on XX/XX/2020. However, XXXX never gave me a refund for the table that I returned. For this reason, I disputed the charge with my credit card company. However, despite showing proof that I returned the item in question my Citi credit card dispute was resolved in the merchants favor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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 was trying to buy my wife a car today XX/XX/20 but when they ran my credit to see if I qualified for the loan, I was told that I was not approved because there are three accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I looked at my credit report myself and there were accounts from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX that I never opened. I don't know who is responsible for these accounts or why they're on my credit report but I did not benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards them. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
opened account via online, then I was told that I needed to provide additional information which I did. then I was told my account was opened, then I go to branch and then I am told that I had to provide my identity documents again and that it would take an additional 5 days. so far it been a month plus. The last time they took my identity documents and passed it among the office staff.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021, I was erroneously told that if I dispute accounts in my credit report I might be able to get rid of some of them especially the ones in collection. So I disputed most of them. 

2 months later, I apply for a mortgage with m y husband and was told by the mortgage company that I need to remove the disputes off my credit report to get an approval. 

for the the past 3 weeks I have made over 100 phone calls to all credit bureaus, their dispute departments and their executive customer service teams. I also contacted merchants, collection agencies and everyone you can think of. I was able to remove one of the remarks. every time I called, I was promised better help yet to find that almost all dispute marks are still on the report.

I heard so many excuses that the creditor asks for it to report again, to I don't know what happened, or the dispute remarks could not be removed.

I respectfully request all 3 credit bureau to remove all dispute remarks from my credit report as I no longer dispute the accounts. I need this asap so that the mortgage company can look into my mortgage application. 

My SS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX

Company response to consumer: Closed with explanation