BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Bank Of America XXXX XXXX card ending in # XXXX is wrongfully withholding my {$120.00} that was deposited XX/XX/2022 as an electronic deposit from a refund from a vendor, XXXXXXXX XXXX XXXX XXXX XXXX AZ.

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 2019-06-17
Company: EQUIFAX, INC.
State: HI
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 am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply forXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had multiple fraudulent credit inquiries show up on my credit report as well as fraudulent accounts opened. I reported to the credit bureaus and initially a freeze was supposedly placed by all 3 bureaus. Then a fraud alert was placed by all 3 bureaus. However, each time I pull my credit report, more inquiries are flowing in and in excess. Any creditor is supposed to contact me personally if my credit is pulled and I have yet to receive a phone call from any of them. One credit report has 22 inquiries. One has a note stating to contact me but yet there are 9 inquiries in the last 3 months. My entire wallet was stolen and my social security card as well as my drivers license, checkbooks, credit cards, etc were all taken from me at gunpoint. That was 4 years ago and I have had issues since that incident.

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 2019-08-16
Company: Experian Information Solutions Inc.
State: NV
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:
Back in 2014 I was robbed and beaten by 2 men. I was rushed to the hospital and it was determined my XXXX was XXXX. Dr. XXXX XXXX ( XXXX ) did the XXXX. While there I was advised of medicaid. And the next day I signed paper work for a Nevada Medicaid card. When I got my card the Dr. Office was notified the lady told me everything was good. 2 years later I found out it was reported on my credit. And sold to a collection agency 3rd party XXXX XXXX. I found out that the Dr. Office never filed my claimed with Nevada Medicaid and it was too late for them to file. This is not my fault because I was covered under Medicaid. The Dr. Office failed to file my claim within a timely filing period which was their mistake. Please remove immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Westlake Services, LLC
State: GA
Product: Credit reporting 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:
I have several inquiries on my credict report that was not made by me. Because of this its really affecting my overall credict report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX  XXXX XXXX XXXX incorrectly charged off my account. After contacting them they advised me to dispute the error with the credit bureaus. After disputing with the bureaus I was advised contact the original lender. The account is being negatively reported and both the lender and bureau XXXX and Experian are not willing to correct the issue.

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 2023-11-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased a XXXX through a XXXXXXXX XXXX. And wire transfer the money through my bank account ( chase Bank ) once I called to confirm the order with the company, I ordered from they stopped answering so I contacted the bank the second day and they claimed that they can't stop the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Regions Bank has no mechanism for the customer to make additional principal HELOC payments online. However, in XXXX when the HELOC was initiated, they told us that any payments made in addition to the monthly interest payments by bank draft would be automatically applied to interest. When I learned that this is not accurate information, I began working to get the misapplied payments ( intended to be applied to principal but were applied to interest ) corrected. The bank eventually corrected XXXX misapplied payments but would not correct those in XXXX, stating that the " books are closed for the year, '' even though I have documented proof that I had requested those corrections in XXXX. As of this date, Regions Bank has pocketed over {$1300.00} in interest of misapplied payments from us that should have been applied to principal. Why should we be paying additional interest to the bank when all interest payments have been made as scheduled through automatic draft? And how is it possible that a large financial institution such as Regions Bank can refuse to correct misapplied payments that were made in good faith based on incorrect information given by its staff to loyal customers with an excellent credit rating and payment history? We intended to pay off this loan and close the account months ago but continue to pay a small amount of interest each month as we await a fair resolution.

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 2018-12-11
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company name : Monterey collection sv XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Acct XXXX I have ask for the following and if not recieved I requested deletion and I have yet to get the following items 1 agreement with the creditor that authorizes you to collect on this alleged dept 2the agreement bear my signature stating that I have agreed to assume the dept 3 valid copies of the dept agreement stating the amount of the dept and interest charges 4 proof that the statute of limitations has not expired 5 complete payment history on this account along with an accounting of all additional charges being assessed 6 show me that you are licensed to collect in my state ; Texas 7 your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Back in 2014 I was robbed and beaten by 2 men. I was rushed to the hospital and it was determined my XXXX was XXXX. Dr. XXXX XXXX ( XXXX ) did the XXXX. While there I was advised of medicaid. And the next day I signed paper work for a Nevada Medicaid card. When I got my card the Dr. Office was notified the lady told me everything was good. 2 years later I found out it was reported on my credit. And sold to a collection agency 3rd party XXXX XXXX. I found out that the Dr. Office never filed my claimed with Nevada Medicaid and it was too late for them to file. This is not my fault because I was covered under Medicaid. The Dr. Office failed to file my claim within a timely filing period which was their mistake. Please remove immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
The United States bankruptcy court XXXX XXXX of Michigan states they do not report to credit reporting agencies. Nor do they update information directly to the Credit bureaus.I have supporting documents as well.

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 2020-01-21
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current problem is that Specialized Loan Servicing, LLC, the company servicing my mortgage, can not account for {$1200.00} of funds that I paid to them in XXXX of XXXX. They collected {$3200.00} in total for the escrow account on my loan in the year XXXX. On XX/XX/XXXX the escrow account paid {$1900.00} in taxes for the year XXXX. There are no other disbursements that they can account for as of XX/XX/XXXX. My current escrow balance is {$38.00}. I paid my homeowners insurance out of pocket until XX/XX/XXXX when I informed my carrier, XXXX XXXX, that my insurance would be paid by escrow moving forward. On XX/XX/XXXX my policy lapsed and I am having to pay out of pocket again because SLS ( mortgage company ) did not pay the premium from the escrow account. I have talked to two supervisors at SLS, both of whom can not explain or account for the missing {$1200.00} in funds that should have gone to pay my homeowners insurance. XX/XX/XXXX Supervisor XXXX, teller id # XXXX, told me she could not account for the funds and that an escrow analysis won't be completed until XX/XX/XXXX, one year from when they received the loan. She said she would look into the situation and discuss with her peer, Supervisor XXXX, teller id # XXXX and call me back. She has not called me back as of XX/XX/XXXX. I spoke with Supervisor XXXX on XX/XX/XXXX, he too said he would look into the situation and call me back the next day whether he had an answer or not, simply to keep lines of communication open. I have not heard from XXXX, either. I will attach files that are screenshots of the account information I have available to me. It shows the escrow balance of {$38.00}, shows that they have my insurance information and have not paid the provider, it'll show that I have no escrow analysis to access and no accounting of the funds I have paid into SLS. 
My mortgage payment increased 50 % in XXXX from $ XXXX   monthly to $ XXXX monthly. XXXX  XXXX XXXX opened the escrow account without providing proper 60 and 30 day notices, according to XXXX XXXX of XXXX  XXXX XXXX, his business callback number is XXXX. In XXXX XXXX XXXX XXXX sold my loan to SLS because my account was delinquent from me paying only $ XXXX monthly and trying to get my questions answered from XXXX  XXXX XXXX. 
XX/XX/XXXX I spoke with XXXX  XXXX XXXX manager XXXX XXXX, phone XXXX. He said a VP was supposed to call me back in 24-48 hours to answer my questions. I never received a call from XXXX  XXXX XXXX and XXXX never returned the multiple voicemails I left after this date. 
XX/XX/XXXX I spoke with XXXX XXXX and didn't hear from him again either. 
XX/XX/XXXX I paid SLS a total of {$3400.00} to make my account with them current and no longer delinquent.

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 2023-08-13
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-06-11
Company: United Shore Financial Services, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
they will not take my deceased husbands name of my account. i have sent death certificate. i have spoken to them several times and they advised me to send to department SII which i did about four months ago. when i speak to them they say they have a copy of it but i need to speak to SII department. however they phone number they gave me nobody answers it. i have called several time and been advised they do have a copy in the file. but i can not get anyone to change it. we need to please take his name off and off the statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Mr. Cooper Group Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint to you in order for you to verify certain confusion and inconsistency of a certain account number on my credit report that violates my rights as a consumer. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. I dispute XXXX XXXX XXXX This account was closed on XX/XX/2020 however it's showing delinquent activity after the closed date. Your procedures have allowed this since XX/XX/2020 and this has been highly damaging to me. I want this account updated. How did it happen that this account only shows late 30 days but no exact dates of delinquency? How did it happen that this account continued to provide delinquent activities after it was closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: MO
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 filed a dispute with credit bureaus requesting that inaccurate information be removed from my credit report. It has been beyond 30 days and they have not returned any results or corrected the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Remitly, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX and I used Remitly to transfer a total of USD {$4000.00} to XXXX in XXXX. 

The amount was sent to my wife 's account in XXXX, in 2 transactions of USD {$2900.00} and USD {$1000.00} on XX/XX/XXXX and XX/XX/2021. Unfortunately, I did not check my XXXX account until XX/XX/XXXX, trusting that the money would have been deposited on time or Remitly would have notified us of any problems faced. 

After digging into the issue yesterday, we realized that the recipient 's account number had a typo with two digits switched, and we immediately called XXXX and learned that the incorrect account number was infact non-existent. XXXX advised us that when money is attempted to be deposited into an invalid account, the money bounces back to Remitly - the originator of the transaction. 


Up until now, Remitly has not returned our money nor has been there any communication from Remitly that money was returned. Kindly arrange for my money of {$4000.00} returned to me at the earliest. 

We have ofcourse called Remitly Customer service and we have a case opened for investigation. The case number XXXX ( original case # ). 


I would greatly appreciate that you kindly help me resolve this issue immediately. I hope Remitly is bound by ethics and will legitimately refund my money. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: EQUIFAX, 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:
I am a victim of identity theft and the criminals tampered with a new car loan that I started with XXXX XXXX in XX/XX/2018 by stealing my mail and other documents that were set up between XXXX XXXX the car dealership where I purchased the vehicle from. Also, he or she called into XXXX XXXX and changed personal information of mine such as my mailing address associated to my auto loan. 
In addition to the identity theft crime ; checks that were placed in my mailbox were stolen from my outbound route and were cashed from an unknown third party which the back is investigating and has credited me the funds. In result to that, I have received 30-59 Days Late days late on my credit profile for XX/XX/2018 and XX/XX/2018. 
I've contacted XXXX XXXX  via phone and certified mail providing my explanation of the identity theft, XXXX XXXX Police report, United States Postal Police Identity Theft Report, and FTC report about this matter and was instructed there is no way to fix the inaccurate information that was reported to the Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 2 XXXX Care Credit credit cards through Synchrony bank. I charged a repair on both cards ( 2 separate transactions ) under a 12 month promo. The promo was somehow removed from both of my accounts by Synchrony, so I have been charged interest each month on both cards. 

I have called, my husband has called and I have emailed Synchrony several times to have the promos put back on and the interest taken off of both cards. I have sent Synchrony the XXXX paperwork showing the promos. Moreover, the Reps have found the promos in the system, so there is no debate on whether or not the amounts and the promos are correct. We have both been told several times that this issue would be fixed on both cards ; however, several months later, it still has not been fixed on either card. I have been dealing with this for over 10 months! 

Card 1 was charged XX/XX/XXXX for {$XXXX} and card 2 was charged on XX/XX/XXXX for {$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 2019-08-16
Company: DISCOVER BANK
State: DE
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 BEEN COMPLAINING FOR MONTHS, TO BE EXACT XX/XX/2019! SOMEONE TRIED TO OPEN A DISCOVER CARD WITH MY NAME AND MY IDENTITY WAS STOLEN! I CONTACTED DISCOVER AND THEY KEPT PASSING ME ON TO OTHER PEOPLE FOR THEM TO HANDLE THE CALL! I WAS TOLD THAT I WAS GOING TO RECEIVE A DOCUMENT IN THE MAIL AND LOW AND BEHOLD THE DATE ON THE DOCUMENT SAYS XX/XX/2019 AND NOW ITS XX/XX/2019 AND IM JUST RECEIVING IT! I WAS TOLD THAT THIS WAS GOING TO BE OFF OF MY CREDIT REPORT! BUT TO NO AVAIL! I CONTACT AND ATTORNEY AND THEY TOLD ME TO FILE A COMPLAINT WITH FCC AND I DID JUST THAT! NO ONE REMOTELY CALLED ME BACK ABOUT THIS MESS! THIS IS HORRIBLE AND SO ARE THEIR PRACTICES! IVE BEEN CALLING AND ON HOLD IT SEEMS LIKE FOREVER, JUST TO BE REROUTED AND SOMEONE SAYING WE'RE SORRY FOR THIS THAT AND THE OTHER! NO TAKE THIS MESS OFF OF MY CREDIT REPORT!!! THIS IS NOT FAIR! I WAS EVEN TOLD THAT SOMEONE WAS GOING TO CONTACT ME, BUT DIDN'T AND I'M STILL WAITING!

Company response to consumer: Closed with non-monetary relief