BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-29
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Fraud alert has not been removed after being advised that all level of Fraud Alert could be removed once I received a pin from Experian received pin only to be told no that will not work I needed to provide them with my Id and proof of address which they already have representatives are giving wrong information and I have got denied for lines of credit due to Experian Fraud Alert I have uploaded my documents which they are stating they have not received lies I want them to remove all Level of Fraud Alerts and Freeze Immediately There actions are causing a lots of stress and my credit to go down I have the pin number they mailed me to the address they are now asking for proof of address if you need it It is extremely difficult to get hold of a live agent and holds can be up to 30 mins each time

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2018-07-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying in every way to make payments that Chase mortgage escalations supervisors requested I make by XX/XX/XXXX. 

I was in Chase mortgage lathrup village bank on XX/XX/XXXX submitting three payments but they refused to take as in complaint # XXXX I was assigned to XXXX XXXX in executive offices. on XXXX. I made three calls to her to no avail. Than called and complained that she was not available and was not returning calls by XXXX : XXXX that day as her voicemail cites her hours ended at XXXX XXXX. which compelled a return call. 
While working with her she made snide and caustic remarks such as, " Im sure YOU don't have the money do you ''. Nonetheless Owner pleaded to get the three payments in by XX/XX/XXXX as instructed by Chase. She declined. And said also, " I'ca n't imagine how much stress this must be for you ''. " But I can't tell you when this will be resolved. '' XXXX XXXX also spent time explaining why she was raising her voice when owner asked her why she was being so combative. 
She promised to call on Friday XX/XX/XXXX and did not. 
Owner felt forced to request new representative for aforementioned reasons. 

However On XX/XX/XXXX.when owner finally spoke to XXXX XXXX at XXXX because Manager XXXX never returned call to date. Owner requested to change representatives without slowing down the priocess. 
On XX/XX/XXXX XXXX XXXX called citing she was new representative and she would be starting fresh and had to pull same call recordings XXXX XXXX cited he would pull on XX/XX/XXXX. But more importantly she had been provided with wrong dates from XXXX XXXX. 
She was given correct dates. 
XXXX . XXXX -XXXX did not deny that XXXX XXXX documented a STOP foreclosure on XX/XX/XXXX as did XXXX XXXX XXXX and XXXX at executive offices confirmed and concurred on XX/XX/XXXX. XXXX XXXX also cited she was aware of consumers complaint & call from XXXX XXXX XXXX office. Further at exactly XXXX. XXXX XXXX stated, " This foreclosure should have never happened ". Owner asked the call to be escalated back to XXXX XXXX XXXX but she is out of office and told no other managers were available after brief holding time. Owner requested to be put in XXXX XXXX voicemail and that transfer disconnect call. 

This is outrageous Chase has had since XX/XX/XXXX to pull recording and further more it doesn't matter as Owner tried to submit more than the one payment initially requested by XX/XX/XXXX and make the maximum amount required by Chase on XX/XX/XXXX for four hours in their XXXX XXXX Mi office to no avail. 
This executive office has made no advance and is still passing on erroneous information not returning calls or has made no LEGITIMATE attempt to resolve this critical issue. This all appears a protracted way to obviously foreclose and or charge owner additional money to make it unacheivable. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
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 information incorrect

Complaint:
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Late Dates : XXXX XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XXXX XXXX XXXX LOAN MODIFIED CONVENTIONAL REAL ESTATE LOAN This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/Transunion/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX Mortgage 2. XXXX XXXX REFI ON HOME LOAN Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: Credit Plus Inc
State: MI
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:
Hard Inquiries are reporting on my credit report that I did not authorize. 

On XX/XX/2017, I provided authorization to Credit Plus to pule my credit report ONE ( 1 ) time. 

However, it seems Credit Plus went ahead without further authorization to pull my credit from XXXX, XXXX and XXXX on the following dates : XXXX : XX/XX/2017 or ( XX/XX/2017 ) or ( XX/XX/2017 XXXX & XX/XX/2017 or ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

XXXX : XX/XX/2017 ( XX/XX/2017 ) & XX/XX/2017 ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

XXXX : XX/XX/2017 ( XX/XX/2017 ) & XX/XX/2017 ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

I am not sure why each credit bureau shows a different date but either way, Credit Plus did not have my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Bluebird suspended my account with no reason. I have money on that account, i use it for unemployment benefits. They will not accept my calls or explain anything. I have no way of accessing my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated a *Same day* international bank wire. It was not received by my intended recipient. 
Bank of America sent me the message pasted into the next section but they never notified me of any problem. 
I contacted Bank of America via XXXX. They said that they needed more information but wouldn't tell me what. They expect me to contact them by telephone. But I am traveling in a foreign country with a different time zone and no means to place an international call. I have only a local mobile telephone. BofA requires a landline to place an international call.

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 2021-09-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent a dispute letter to the company on XX/XX/21. As of today I have not received a response about my disputes. I also sent demand to comply letters on XX/XX/21 to this company and still have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
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:
one XXXX fraudulent accounts has been reporting under my name with XXXX and transunion, i have disputed and this account was removed from my credit file, but again was placed back under my name, this is a fraud and inaccurate account reporting under my name, i have a police report that i had been victim of ID theft, i will be attaching the paperwork to this complaint, please find attached. 
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 2018-07-23
Company: Ameritech Financial
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XX/XX/2016, Ameritech Financial contacted me stating that they can lower my student loan payment and guaranteed loan forgiveness within 15 years with their assistance, but none of my monthly payments went toward my student loan balance. As a matter of fact it only went up more because of the interest. The FTC sent me a letter stating that there is an active lawsuit against Ameritech Financial. I contacted the company and they refuse to refund my money back. I have paid {$850.00} to this company with proven bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been disputing a Chapter XXXX Bankruptcy with Equifax since XX/XX/18 and have sent multiple letters asking for verification and they have changed their sources several times. They in turn have noted on my credit report an address and phone number of a Bankruptcy Court to which I called and was told they never spoke to any representative from Equifax and never would. Exquifax 's last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Equifax 's claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I cosigned for a vehicle for my roommate. He had a good paying job and I was taking him back and forth to work. He was turning his life around and tried to assist him by helping him build his credit and assisting him in getting a vehicle. He had occasional trouble paying but I would help him when I was alerted of the trouble. 

My roommate moved in with his girlfriend and I thought he was making payments. Then one day I woke up to a call from my former roommate that his car was gone. It had been repossessed. I called XXXX XXXX XXXX in XX/XX/2017 to ask what had happened as I had never been alerted to any late payments or a pending repossession. I let them know that if I had been alerted I would have made the payments. They did not create a plan for me to get the vehicle back, only kept repeating " You should have made the payments. '' I was alerted that I needed to go to a hearing on this matter. It turns out that they could not find my former roommate so they were going to make me responsible for the entire remaining principal debt after resale of the car ( {$14000.00} ), attorney 's fees ( {$750.00} ) plus cost ( {$430.00} ), and pre judgement interest ( {$370.00} ) totaling {$15000.00}. 

I do not feel that I am responsible for this debt as I tried to make arrangements with them to make payments. I also feel that I should have been alerted when the account was in jeopardy. Finally, If anyone is to be responsible for these payments I feel it should be the primary borrower. The only reason the court said I am responsible is because I was a good citizen and showed up. Since they can't find the primary ( even though I told them where he was XXXX they said I am fully responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I've been having problems with over draft fees and account problems for over five years and have paid off the fees no problem with fraud issues throughout that time. in beginning of XX/XX/2020 with the coronavirus pandemic. I opened up a credit card to protect my id and towards the end of XXXX I closed it down. I asked Bank of America how can I cancel my card. I went into a branch office to close this account and spoke to a consultant they said pay off the balance and close the account, so I did. anyways XXXX or XXXX of 2020 I got an email from this account saying i am delinquent in my payments so i called the fraud department at bank of america to talk to them about my credit card account and explained it to them for 2 and a half hours on the phone to talk about my issues. the fraud department said they would look into it and call me back or send me a text message regarding the problems with my credit card account i closed in XXXX. in XXXX or XXXX of 2020 I got an email telling me that they sent me to collections. well my dad sold his house. i was trying to rent a house/apartment. i passed the background check and also had the income to rent the property. So I was denied credit. meanwhile I live with my dad and my XXXX children. so with my bad credit I was denied housing. so now I have to file a identity theft complaint and credit card theft so i can get my good name back. this problem needs to be solved. thank you. 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 2020-02-21
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-07-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contracted Equifax several months again in regards to ab collection account showing in my credit report under the name Fair in and out for invitation homes original creditor. I advised Equifax that the account was a result of someone using my name and that the account needed to be deleted. I advised XXXX  and XXXX  if the same information and provided the sand both both have deleted the account however Equifax continues to report this account. Please see attached information and follow the other bureaus by deleting the collection item

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: MIDCOUNTRY FINANCIAL CORP
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX has attempted to take me to court for a wage garnishment from a debt I fell behind years ago ( Early-Mid XXXX ) due to job loss./possibility of homelessness. 
I rightfully would receive an exemption due to having received government assistance within a 6 month time frame and filled out a form stating such. 
I also currently work for a XXXX XXXX XXXX and am unfamiliar with the legal system so there was miscommunication regarding the paperwork for the garnishment with said company I work for. My checks were then garnished ( before the court made a final decision ) and XXXX XXXX began continuously receiving money from my checks despite my attempt to contact them to explain this. The head branch manager at the XXXX location refused to return any funds to me and threatened to sue me again even if the judge does find me exempt for that moment. I've even mailed proof of why I'm exempt but found out in court ( late XX/XX/XXXX ) they were not going to even present it because the attorney they sent was very unprepared and knew nothing about my case. They still ended up receiving up to {$600.00} and I requested a refund of this which the person ( head branch manager ) responded to with a " sure ''. I've not heard back since but I do see that they have initiated yet another attempt to wage garnish me. They have not even updated the amount that was originally owed to reflect the funds they should have never received from the beginning. I've received nothing but rude and condescending treatment from the head branch manager but most importantly can't believe they would follow through with illegal and immoral practices in attempts to collect a debt that would be considered " small '' given that they are a bank.

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 2021-01-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had a student loan for over 7 years and for over 7 years I have NEVER SEEN MY REPORT WITH 16 OUTSTANDING LATE PAYMENTS because I always handle whatever the company needed from me before tax time. Now the debt has been closed and given to the government to pay I asked several times, trough a goodwill letter to remove the bad remarks from my profile and stop reporting the account inaccurately and wrongfully. The account has been closed since XXXX of XXXX but the reports of bad payment started XXXX of XXXX up until now XXXX of XXXX that's 14 late payments wrongfully on my report. Please remove this I have closed the debt to move and this is putting even more hardship on me during the pandemic

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