BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Hi I am trying to get payoff information on my equity credit line attached to my house acct ending in XXXX that was charged off in XXXX but its still attached to my house. I went through bankruptcy but didnt include my house. There lies the problem. Due to BOA charging off equity line then my filing bankruptcy, even though house not included in bankruptcy NO DEPT would take responsibility for issuing payoff letter so around in circles I was transferred/put on hold/disconnected etc. I am selling my house and signed contract XX/XX/XXXX and was supposed to close XX/XX/XXXX and signed extension to XX/XX/XXXX and now extension through XX/XX/XXXX with same approved buyer. I have so far missed two closing dates for lack of payoff information from Bank of America I have been communicating with Bank of America since XX/XX/XXXX when XXXX XXXX was getting no response to payoff request. I have been calling/transferred to following depts : Bankruptcy XXXX option XXXX then option XXXX again ALSO XXXX XXXX XXXX XXXX  XXXX ALSO Non-converted loans dept XXXX. After little or no help getting payoff and daily run around I sent an email to corporate customer service. XXXX XXXX and received a call from XXXX XXXX XXXX Ext XXXX who is trying to assist me but no payoff info yet. I contacted my attorney who helped me with my bankruptcy ( which I did not include my home in the bankruptcy but we never received communication from BOA concerning the second mortgage during the bankruptcy process so my attorney stated that I would just need to contact him if I have issues, which I did and he recommended I make a complaint with the XXXX and your FL Dept ) I have filed a XXXX  complaint and now filing with you. My nerves are shot Im XXXX XXXX XXXX XXXX have XXXX etc.etc. trying to get this handled I have spent time on the phone since XX/XX/XXXX every day from three hours at a time getting disconnected then trying again and again sometimes up to nine hours a day Im promised this that and the other but never get the payoff letter sent to my title company the amount wont change {$27000.00}, theres no fees to add to it, its the amount they charged off but still they cant send over a simple payoff letter with that amount on it, they can tell me the amount but they cant send a letter. I am at my wits end please help me before I lose the third closing with my approved buyer on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: MD
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:
I have an unauthorized credit inquiry on my Equifax from XXXX XXXX XXXX XXXX dated XX/XX/2017 that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Finance System of Richmond, Inc.
State: VA
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 is a collection account that appeared on my credit report from Finance System. This is reported as a medical collection out of Florida. I have never had medical services from the area. Additionally, I have lived in Virginia during the time the services were rendered.

I contacted the collection company via a phone, Finance System, and they stated the information did not match my information. Specifically the date of birth. The representative who handles these disputes continues to be unavailable. Additionally, a written request has returned undeliverable even though this is the address provided to XXXX.

It was discovered that the first 5 digits of the social also do not match. This was determined by contacting the original creditor as provided by Finance System.

This collection is not mine and the predatory nature in which the collection company blindly assigns the debt is appalling and detrimental. I have no documents other than my credit report. However, there are no documents from the services rendered proving that this is my debt. Also, if documents are provided from the original creditor it would show that this debt is not related to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Westlake Financial Services financed my loan ( 4year ) on my truck in XX/XX/XXXX. I had the truck 9 months and the truck was totaled at no fault of my own. XX/XX/XXXX. I owed XXXX on the truck. The at fault driver of the accident only had XXXX worth of insurance. They paid XXXX to West Lake in XX/XX/XXXX. West Lake will not refinance the loan for the other XXXX dollars. They said there is a daily interest and a lot of the money they was paid in went to the interest. They will not look at it as though its a 4 year loan and more than half is already paid off, they hit me every month with late charges and interest. The monthly payment was XXXX a month. I had to have another vehicle so I now have two truck payments of XXXX a month and XXXX a month. I can not afford both. I have tried to make smaller payments to them ( XXXX ) and they still want the whole amount of XXXX and charge me late fees and etc. They are aware that the truck was totaled, XXXX XXXX came and took my truck. If you paid a majority of the loan off in the first year why wouldn't they work with us and take off some of the interest or at least lower the payment and be feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I had submitted a request for a credit line of XXXX through XXXX ( I have a credit card with XXXX Signature card ) as I was trying to pre order a new product from XXXX. Needless to say, I was declined for the credit line even though my credit was in the 720s ( I thought ) So I researched through my account with Experian and saw that my Credit score had dropped to XXXX because of a dispute I had requested from what was being reported that I owed on my XXXX XXXX Account. The credit report stated it was XXXX and in reality it was only XXXX. I reviewed my dispute completion information and Experian had stated everything was correct. Which in fact they had changed the entire account from being an Excellent payment history to Good .. the date showing when I had opened the account was changed from XX/XX/XXXX to XXXX and the months in between those years were changed to missed payments and charge offs.. I was utterly dumbfounded because I ONLY disputed the amount I owed. I have contacted Experian and spoke to representative on XX/XX/XXXX to ask how cld my account being reported be changed in a matter of weeks from being 99 % accurate to 100 % inaccurate. The specialist stated that the best they could do is close the previous dispute and open a new dispute. I have uploaded all relevant documents from the merchant, my personal bank account and the contract itself in order for them to review. All the information I have given them is 100 % accurate and still Experian has not corrected my information. Today XXXX at XXXX XXXX  I called XXXX corporate office to discuss where the disconnect was and their information theyve been reporting to Experian. Their representative at XXXX ( XXXX ) had stayed that all the information I have in my possession and on my account through their website is 100 % accurate to where the account was opened on XX/XX/XXXX, no missed payments and the amount owed is only XXXX not the XXXX that Experian is reporting. That its an error on Experian. Im baffled at how this could happen in a matter of weeks simply on an amount owed dispute.. granted I understand this could be an honest mistake but under the Fair Credit Reporting Act any false information that has been reported or inputted on my account that resulted in me being declined for a line of credit could result in a lawsuit. Not that this is my intention. Not at all. I just want the truth to be reported and or inputted correctly

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 2018-02-07
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
I have an inquiry dated XX/XX/2017 from Navy Federal Credit Union that I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: NC
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:
Ftc Id Thirft Report submitted to remove fraudulent accounts that is reporting on Experian file # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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 recently applied for an account with XXXX XXXX Bank and was declined. They use a consumer reporting agency called XXXX who informed me via letter that my consumer score was XXXX. After requesting a credit report all I am able to see is which financial institutions have requested to see my credit information. This report does not show anything indicating how the got a score of XXXX. 

My credit score at XXXX and XXXX are both above 800. 


After calling both XXXX XXXX and XXXX they are not able to provide me any information on how they got to this score or what negative information may be affecting it.

My concern now is that there may be some information that is impacting my credit and I may not be aware of it. 

Can you please inform me of how I can proceed with this to correct it? 

Thank you XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Fl. 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 2021-01-28
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: Information belongs to someone else

Complaint:
I am would like to inform you that I do not recognize these accounts. Suddenly they appeared in one Bureau while other bureaus do not report these unknown for me accounts. I believe I became identity theft victim, otherwise I can not explain their existence in my report. I requesting you delete them from my profile as I can not move on in my life because of them ... Why do I have in my profile somebody's else information or misleading information? Its not fair absolutely so please help me and remove them.

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 2018-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Have tried numerous times beginning in XX/XX/2017 to seek help with keeping my home through Keep your home California only to be stonewalled by Bank of America as they ask me to apply again and again. I have done so and provided any and all info they requested and done everything they asked only to, be denied again. I am newly divorced and on XXXX but do have income required. I am beyond Exasperated. I believe they are trying to force me to give up my home aka short sale. Help

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 2020-01-23
Company: Midwest Recovery Systems
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2016 agreement was reached with XXXX XXXX XXXX XXXX on behave of XXXX XXXX XXXX for a settlement amount of {$880.00}. Final payment of settlement was made XX/XX/2016. We have final settlement letter on hand. Since then we have been repeatedly contacted by multiple collection agencies attempting to make a collection for {$570.00} on behave of XXXX XXXX XXXX. There was only one transaction that was ever owed to XXXX XXXX XXXXo and that was settled. No other loans or transactions made with XXXX XXXX XXXX have ever gone into collections. Each time we have been contacted we have been threatened with legal action and/or arrest. Once explained that this matter should have been resolved and having offered proof the collector became more and more aggressive. We would like to have this permanently cleared from my credit and the harassment to stop. This has been going on for almost 4 yrs every 2 or 3 months and it is always a different agency calling with the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Ray Klein, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A debt collection company claims I owe them in excess of {$10000.00} dollars. Through disputes I have had over {$9000.00} removed as zombie debt by both XXXX  and XXXX In response to this, the debt collection company has filed suit against my former employer for wage garnishment. I believe suing a company for whom I no longer work, for debt that no longer exists, constitutes harassment. I intend to file a complaint with the Washington State Attorney General as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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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 2018-07-10
Company: JPMORGAN CHASE & CO.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter dated XX/XX/2018 stating the " Reinstatement Fee of {$5400.00} '' was required to bring our mortgage back into 'good standing ' ; and, to avoid foreclosure and the subsequent sale of our home ( home sale is scheduled for XX/XX/2018 ). 

On XX/XX/2018, I submitted a wire transfer of the required fundsdirectly to Chase, to the attention of " XXXX XXXX '', pursuant to their wire transfer instructions received on XX/XX/2018. 

The legal firm of XXXX, XXXX, XXXX, XXXX, XXXX was/has been retained by JPMorgan Chase Bank, National Association, to handle the sale of our home, on XX/XX/2018. After speaking to one of the legal firm 's legal representatives, I was informed " sending the required funds ( to stop the foreclosure and sale of our home ), by wire transfer, would be the fastest and safest way to reinstate our mortgage ''. 

To date ( XX/XX/2018, XXXX XXXX. EST ), the funds have not been applied to our account. It has now been 73+ hours ( 'business days ' not including Saturday and Sunday ), since the funds were transferred directly into Chase 's account # XXXX, Routing # XXXX. 

MY QUESTION IS : " HOW LONG DOES CHASE HAVE TO LEGALLY APPLY THESE FUNDS TO AN/OUR ACCOUNT? '' 73 Business Hours should be adequate, to apply the money directly to an account, sitting in Chase 's Reinstatement Processing Department. Further, why can NO ONE at Chase tell me WHEN these funds WILL BE APPLIED TO OUR ACCOUNT ( TO CANCEL THE SCHEDULED SALE OF OUR HOME )? 

There is a difference between " How long it takes Chase/a bank to apply funds to a home in foreclosure '' and " How long Chase/a bank is legally allowed to take to apply funds to a home in foreclosure ''. WHAT DOES BANKING LAW STATE ON THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Diversified Adjustment Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is attempting to collect a debt that we have spent months trying to work with them on, and they are refusing to settle the debt for less.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: PR
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:
There is an unauthorized inquiry on my credit report from XXXX on XX/XX/2019. I have written to Equifax and they have not responded to my claim. I have placed a fraud alert on my credit report to deter possible future fraudulent inquiries and account openings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Roosen, Varchetti & Olivier, PLLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Roosen Varchetti and Oliver on XX/XX/XXXX to verify debt from a letter I received from the Company on File # XXXX. As of XX/XX/XXXX nothing has been done and after several attempts to speak to company representative have gone unnoticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted a request for account validation on different accounts from XXXX. I requested that they send to me the files they used to verify the accounts and the name of the person they verified with. They have ignored my request on 2 different occasions and continue to send me updates that the account has been verified without proof as required under the FCRA section of 1681 ( a ) ( 4 ), they is negligent noncompliance and a violation of Federal Law. Being that they are unable to verify and send information as to how it was verified it should have been deleted and they refuse to delete as well. I have been sending letters to them since XXXX XXXX, 2017 and it is well over the 30-45 days in which they are allowed to send over the validation or DELETE the item from my report.

Company response to consumer: Closed with explanation