BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
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: Their investigation did not fix an error on your report

Complaint:
I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$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 explanation
Consumer complaint received 2022-02-10
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX, XXXX, we refinanced our home mortgage. Our old mortgage was with Caliber Home Loans. The main reason we left Caliber Homes was due to their handling of our Escrow account and their poor customer service. In XX/XX/XXXX, they informed us that our payment would be increased due to a shortage in our escrow account. When we tried contacting them, we were on hold for almost an hour. I requested a callback on the phone and through their website. I never received a callback. So I called back, and held for another 30 minutes. When I finally spoke with someone, they told me they would request a new escrow analysis. After several weeks, I received a new statement amount that was to go into effect XX/XX/XXXX. I paid my old normal XX/XX/XXXX payment on time based on our statement dated XXXX assuming that the new amount would be for XXXX. On XX/XX/XXXX, I received a statement saying that I was being charged a late fee and that I was in default. I immediately called and was told I was short in my XXXX payment by {$29.00} because of the new escrow amount. I explained that I never received any notification that the new payment was affective for XXXX. They forgave the late fee and applied my payment. I then received a revised statement dated XX/XX/XXXX for XX/XX/XXXX payment for the increased amount. That statement shows my escrow account balance of {$1800.00}. All payments from the account occur in XXXX. When we refinanced with XXXX XXXX, I stated that I thought the payoff amount was incorrect due to them not applying my XXXX payment. I was told by my attorney that they would reconcile the amount and send me any difference in the payoff amount. I received a check dated XX/XX/XXXX for {$1300.00} with no explanation. I called to ask for a reconciliation of my account. The customer representative said she could not get and explanation for the shortage. I asked to speak with a supervisor and was informed that someone would contact me but not until XX/XX/XXXX because all supervisors were on other calls. I called again this am ( waiting 15 min on hold ) and was told someone would be in touch within 48hrs. I am requesting a reconciliation of the payoff amount and the escrow amount that is {$500.00} short of the check amount. I was told I need to wait for someone to contact me because the customer representative could not find out why there was a transfer of this amount out of my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX On today XX/XX/XXXX I went to the branch of XXXX XXXX to open a bank account for my corporation when the representative is working for the creation of the account informs me that you can not create the account because I have a penalty from the Bank of America, which had to go to that branch of XXXX XXXX XXXXXXXX to see what that penalty was, I went to the bank where they gave me a statement in which they notify me that I had no problems with my account and that the balance from my account I was XXXX I did not owe anything to XXXX XXXX XXXX, the Representative gave me a phone number to call, upon calling I was informed that XXXX XXXX  XXXX had reported me for fraud, from a deposit made at an ATM with an amount of {$300.00} and the cashier receives the money but did not report it in my account immediately call attention to the consumer but the offices were closed, I had to wait until Monday to make my claim when or I went to the branch they informed me that I should call a Bank of America claims phone when they called they took the information after 15 days they informed me that the investigation had been done and that they sent me a check with the amount of XXXX When I received the check I went to the branch and I received it because it was my money and now my name appears that I committed a crime. 
This has caused me a lot of bad because I always do everything under the law, I feel harassed and mistreated by Bank of America for accusing me of something that is unfair, I do not understand why they do this if when they investigate they saw that it was true my information and my money back, I have in my possession all the documents issued by XXXX XXXX XXXX that were embassy during the course of the month of XX/XX/XXXX to XX/XX/XXXX, in which nothing is said about Frauds. 
I strongly wish that this accusation be withdrawn for me to continue my banking processes and conduct an investigation with this case. Thank you very much

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 2022-02-10
Company: Professional Credit Analysts of MN, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I opened my credit report and found this collection PROFESSIONAL CREDIT ANALYSTS, which I was never notified of, it is an account that is reported without validating and I am being affected in my credit, they can not report an account without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: OPTUM BANK, INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I initiated a transfer of funds from an XXXX account held by Optum XXXX on XX/XX/22. I filled out a transfer form on XXXX 's web site to make the transfer, and updates on the XXXX site indicated the transfer was in process and should be completed by XX/XX/22. 

I called XXXX on XX/XX/22 to ask why the transfer wasn't complete, they had no information, had not done any follow up with Optum, and told me I had to call them. So this is complaint XXXX - their website implies they will handle the transfer, but there is no follow up. 

I called Optum on XX/XX/22, they had no available record of the transfer request and said they will " investigate '', but warned me it can take 6 weeks to transfer the account. I'm guessing they're not sending rolls of coins on horseback to XXXX, this is a ridiculous amount of time to transfer an account, while charging me monthly fees. So complaint 2 is why Optum doesn't have record of a transfer request and why it will take 6 weeks to do an electronic transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from XXXX that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per XXXX U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. & quot ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!

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 2021-06-26
Company: FIRST HAWAIIAN, INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
First Hawaiian Bank closed my checking account and gave the fund in my account to the XXXX XXXX w/o telling me! They cited that I had not used my account in over a year. But I have had non-activities with my checking account before and what they did in the past was charge me $ XXXX and they quickly refunded it as soon as I called customer service. But this time, they put my account into dormant situation and actually closed it and gave my balance away! At the time, I had over {$700.00} in my account. So this closure isnt due to negative balance or anything. 


I called their customer service number XXXX around early to mid XXXX to inquire about it. First they said they my account would go into dormant if there were no activities for 3 years, then they changed the time frame to 1 year as soon as they saw activities dating back XX/XX/2019 ( less than 2 years ago ). Then they said they would help me get my account and balance back. They claimed that they contacted their XXXX branch ( where I opened my account ) and someone at the XXXX branch will contact me but i have not been contacted by any of them! It is as if they just ignored me and my issue! 

My email and phone number are both up-to-date with First Hawaiian.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
Have send several letters with supporting documents to XXXX, XXXX and XXXX requesting my name change, address change,4 closed accounts and 9 Hard inquiries to be removed but all 3 credit bureaus have failed to assist me with my credit score instead my credit score is being sabotaged.Please I am asking for help to fix this issue.Thank you.

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 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Hope you are well. 

We have had a XXXX loan on XXXX XXXX XXXX XXXX for 3 years. As of XX/XX/XXXX we owed approximately {$19000.00} which we paid off. The title was released after about a month. The credit report incorrectly shows loan still open and not paid off. This is interesting because if we had traded for another XXXX and financed with XXXX again it would have adversely affected our credit terms. This is neither fair or legal in my eyes. They seem to have a lot of undue manipulation in my credit report as well as my husbands. It shows that we owe {$40000.00} to XXXX and we owe {$0.00}. I expected XXXX to remove this as an open obligation and disputed 2 months ago. They will not respond. The truck has been paid off since XX/XX/XXXX, that is 5 months. Can you please assist? 

Regards, 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 2022-11-23
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On XX/XX/XXXX my late mother took out a {$500.00} CD from XXXX XXXX XXXX XXXX XXXX, who merged with Bank of America XX/XX/XXXX. About a year ago I uncovered the CD, which was never cashed, and all relevant documents. When I reached out to BOA, their response was we can't find the account or the funds. I have been in constant contact with BOA for some type of resolution. I mentioned my situation with one of my Federal Civilian customers and they stated what BOA is doing is guilty of mismanagement of funds for the following reasons : 1 ) Funds can not be withheld if the CD has matured, 2 ) And/Or on the CD have right to the funds, and 3 ) It is illegal for BOA to hold the funds. I am constantly in contact with all of the relevant Federal agencies ( OCC, FDIC & CFPB ) & I keep running into a brick wall. Because BOA is the largest bank in the nation, it seems they are being sheltered for their illegal practices. I understand my the amount I'm looking to recoup is small in comparison with some of their larger customers, but I feel I deserve to receive what belongs to me. If necessary, I can provide the original documents via email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Equitable Acceptance Corp
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by XXXX XXXX who said they were going to get my student loans consolidated and forgiven. They set up a payment plan with Equitable Acceptance Corporation. This was XX/XX/2017. A few days later I realized they were a scam. I contacted XXXX XXXX. They refused to do anything about it and said I should have canceled within three days of signing the contract. I called Equitable Acceptance Corporation. They said there was nothing they could do about it. They are a scam too. It is now on my credit report that I owe {$1200.00} to Equitable Acceptance Corporation. I have tried to challenge it with Equifax with my credit report, but Equitable Acceptance Corporation still says I owe the money. This is XXXX! Corporations like this taking advantage of consumers. It's FRAUD!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a XXXX payment for a item i sold online the person send me the money i received item was shipped XXXX customer received and loved it a month later TD holds the funds as reclamation and its been pending in my account for almost 3 months now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2023-06-07
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I met With a person to purchase a product from them on XXXX around XXXX he acted as if he were getting items out of his car and pulled off I called Cashapp immediately they instantly denied the claim They did not complete an investigation or reach out to the party where the money was sent I told Them I had the cash tag it was sent to snd phone number still no investigation or resolution to help me at all. IIve never sent this much money or to this individual before

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-03-06
Company: Experian Information Solutions Inc.
State: AL
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 applied for a car and was not approved. There are accounts on my credit that I dont know anything about. Please remove these from my credit XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX. I also saw some inquiries as well I dont know about XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

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 2022-02-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I wired {$390000.00} from my account with XXXX XXXX XXXX  to Chase Bank to be credited to The Law Firm of " XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX on XX/XX/XXXX, I became aware of the account # being compromised/wrong #. I immediately notified Chase Bank via my XXXX XXXX XXXX  of the error and requested a XXXX Wire Recall. Needless to say Chase Bank never verified that the recipient name being " XXXX XXXX XXXX XXXX XXXX XXXX '' & account number " XXXX '' DO NOT MATCH their depositor information. Chase Bank, knowing this information, went ahead and credit my hard earn money into this fraud account. The fraudster account holder then cash out the account and closed it thereafter with Chase. See my letter to Chase Bank herein being attached and make apart of this complaint.

Company response to consumer: Closed with explanation