BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-22
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX is showing up as a XXXX collection account on my Equifax Credit Report. It was showing on all three of my credit reports but XXXX and XXXX deleted the incorrect information from my reports but this continues to show on my Equifax report. I have disputed this over and over and given all of the information that I have gotten which is not very much. I called XXXX XXXX XXXX on XX/XX/XXXXat about XXXX while waiting for a doctors appointment spoke to a few people. ended up speaking to Mr. XXXX. He looked every way that he could in his system under my and my wifes social security numbers. He said you are not in our system. Which makes sense because we dont owe any money. We called XXXX XXXX XXXX again on XX/XX/XXXXand recorded the phone call. They looked up our social security numbers and said you are not in our systems if either of you had ever owed us money you would show up in our system. There is nothing that we can do for you. We disputed with Equifax and they say verified then the next time the added a statement. that is not acceptable. The original creditor listed on the equifax report is XXXX XXXX in XXXX OH. We did live in those apartments but our lease ended on XX/XX/XXXX. We did not owe them any money when we moved out. In fact they returned our deposit to us. When we called them they said that the company was sold in XX/XX/XXXXand they have no prior records. We applied to get an apartment they told us no because this was on my credit report. XXXX XXXX XXXX says I dont owe and there is nothing in their system but somehow this was reported to the CRAs. Equifax says verified. We have been fighting to have this incorrect information deleted for over 6 months with no help from XXXX XXXX XXXX or Equifax. XXXX XXXX XXXX says they cant help me but from what Equifax Says they reported and verified the collection debt. We have put earnest money down on a house and are scheduled for an appointment with our Mortgage Lender on Friday XX/XX/XXXX at XXXX. And this will affect our getting mortgage and the kind of rates we are offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a rewards balance of XXXX that I want to credit myaccount balance. They wont let me redeem at all. No online access so i called on 5 different occasions with the last being Mon. XXXX XXXX, 2020 and when I try to redeem it always says unavailable. Their branches are not open by appt. only. i have over 5 types of accounts which i am thinking of moving everyone.

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 monetary relief
Consumer complaint received 2019-08-01
Company: LD Holdings Group, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied on lending tree to get information on a home loan. I requested that Loan Depot stop calling me twice via phone calls. I'm on the do not call registry, I double checked after I told them to stop calling.. my number has been on it since XX/XX/XXXX. I told them Yesterday at  XXXX Eastern time and XX/XX/XXXX at XXXX Eastern time to stop calling. 

Between the first time and the second time i told them to stop calling they have called on XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time XX/XX/XXXX at XXXX eastern standard time After the second time ( last night at XXXX ) they have called me again this morning at XXXX ... i'm sure i'm going to get 4 more calls today. They can't just keep calling me after I ask them twice to stop, right? This is insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Friend of mine passed away XX/XX/2020. I was named Successor Trustee on his Trust. Closed account at Chase Bank the first week of XXXX, but second account was in his personal name. Was told to get Letters of Administration, and become Personal Rep. Contacted attorney. Went back with LOA and death certificate, and account was now turned over to Deceased Client Department. When calling that Dept, no one answers the phone. Had to email. In XXXX, rep called me back to say that they needed a Trust Certification. I explained that I already closed out the Trust Account, but then she said that the Trust was the beneficiary of personal checking  account. I did not need to supply Chase Bank with LOA, and I should have been able to close the account the first week of XXXX when I closed the Trust Account. Now that they have seen that they misguided me, they are now holding the Social Security payment made on XX/XX/XXXX. Branch Manager said I needed letter from Social Security stating that the funds would not be reclaimed. SS rep said there is no letter because ss payments are paid in arrears and he is entitled to the check because he lived until XX/XX/XXXX. Chase Bank also said that they have a contractual agreement to hold the funds for 6 months unless I get a letter. SS also said there is no such rule. Now SS needs to get in touch with them and tell them I am entitle to the funds, so they can go to the estate. What a waist of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: AMERIFIRST FINANCIAL, INC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Amerifirst financial failed to close a loan. They made empty promises and told the buyer they will close as well as the seller. They failed to put the client in any sort of underwriting until 2 days before close of escrow because they forgot about the file. They shared the buyers personal information as well as the ssn with all parties. Costing the seller over XXXX in damages

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TransUnion, failed to delete XXXX XXXX XXXX account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. TransUnion is showing XXXX XX/XX/XXXX XXXX, XXXX  is showing XXXX XX/XX/XXXX XXXX and XXXX  is showing ( XX/XX/XXXX ) additional information : all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor.

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 2020-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
When we bought our house in XXXX, NJ on XX/XX/XXXX, we took out a mortgage with XXXX XXXX XXXX XXXX in the amount of {$53000.00}. 

The mortgage was sold to XXXX XXXX, and was discharged on XX/XX/XXXX when we refinanced. The discharge was recorded with the county clerk on XX/XX/XXXX, but was recorded incorrectly referencing the book and page number of the new mortgage that replaced it, instead of the old mortgage that was being discharged. 

XXXX XXXX was later acquired by Bank of America. 

When we sold our house in XXXX, the problem was discovered and the problem was reported to Bank of America 's on XX/XX/XXXX. 

In the meantime, we had to agree to place the proceeds from the sale of our home in an escrow account until the mortgage was properly discharged in order to close on the sale of our home. Not being able to access the home sale proceeds caused considerable hardship for us. 

Bank of America took until XX/XX/XXXX to determine that the original mortgaging company was out of business, and that they would have to get legal help to obtain the lien release. This was communicated to me in a letter on XX/XX/XXXX. 

It is now a year later, and there has been no movement with our case. There has been numerous respectful attempts to find out more about what is happening, but with little success. XXXX XXXX, a XXXX XXXX XXXX - Home Loans also tried to help find out more, and told me that the case had been escalated to her management. I was not able to get any further updates, and she stopped responding to my emails. 

I contacted the Superior Court of New Jersey to get an indication of how long cases generally took to get resolved, and was informed that the normal time for a motion to be heard was 1 month, so the delay does not seem to be due to waiting on the legal system.

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 2020-09-21
Company: Experian Information Solutions 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:
I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I do not have access to the documents related to these accounts, but the creditors would.

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 2020-09-21
Company: Experian Information Solutions Inc.
State: PA
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 have made attempts to resolve this matter with Experian via letter and by phone. 

XX/XX/2020, I submitted a dispute letters regarding information that XXXX XXXX and XXXX XXXX XXXX provided to Experian. In such correspondence, I advised that the actual payment amounts were incorrect. According to the certified mail records, Experian received these letters on XX/XX/2020. I have not received a reply to my disputes. 

I contacted Experian via phone on XX/XX/2020 regarding the disputes, only to learn that they had no begin to work on the disputes. I was advised that my letters may still be in the mail department. I advised Experian that I sent a certified letters on XX/XX/2020 and that they received them on XX/XX/2020. In the telephone conversation I requested that these account be removed from my credit report immediately. I was advised that they would initiate a dispute and it may take an additional 30 days to resolved. 

I am applying for disaster relief funding ( which is time sensitive ), and would like to have this matter resolved promptly as it negatively impacts my credit score.  My original dispute was filed 45 days ago ( on XX/XX/2020 ). Experian has had ample time to resolve to this dispute

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 2019-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Company failed to honor promotion and now fails to return any calls to address issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Regarding Transunion : Nobody answers the phone when calling, even after being on hold for 45 minutes and longer, after navigating their nearly impossible phone tree. 

I am unable to log in to my account at transunion. When I request a password reset, it asks you to confirm your identity via SSN and last name. Their website then .... reloads that exact page, asking for SSN and last name again. I am unable to contact Transunion to log in and access my account. I am unable to contact them to reset my password. 

When you go to their website there is no way to contact them, via email or otherwise. 

Why is transuinion allowed to hold my financial information again? Did I ever give them consent to hold my credit XXXX, and deny access to my financial information? Nope.

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 2023-03-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are accounts on my credit report that does not belong to me I would appreciate it if they were validated and removed 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 2022-09-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 In accordance with the Fair Credit Reporting act XXXX  these companies below have violated my rights : XXXX XXXX XXXX # XXXX Has violated my rights XXXX XXXX XXXX # XXXX. Has violated my rights XXXX XXXX XXXX # XXXX Has violated rights

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 2017-06-21
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom this may concern, A previous dispute was completed on my behalf in which R. S. and Associates deleted this account from XXXX of my credit reports. However, this account is still listed on my XXXX  credit report. This debt was paid to XXXX XXXX prior to this company attempting to collect any form of debt payment from me. I was not notified by this company they were in an attempt to collect a debt that had already been paid. I do not have a contract with this company nor has any services have been requested by me of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I submitted a funds transfer between my linked accounts. I received a notification that the transfer had been initiated. On XX/XX/XXXX I received a notification that the transfer had been cancelled due to security issues and my account was locked. A payment to a vendor was returned on XX/XX/XXXX. The function which allows you to send money to friends hasn't worked in over a month. 

I was asked to provide a front and back copy of my ID and a pictures of my holding my ID which I did. Then I was asked to submit this again but this time include a piece of paper with the date written on it holding my ID which I did. Then I was asked to provide a copy of my bank statement and a letter from the bank explaining the reason for the transfer. I provided 2 bank statements with a message that there are transfer transactions on the statements between these linked account and this activity is normal and not fraud or suspicious. At this filing my account is still locked. I sent over 30 messages and made at least 10 phone calls letting them know that the locked account is the only account that I have money and that I am running out of food to eat and have bills that need to be paid. My account continues to be locked for no valid reason under the guise of " security concerns '' It is now 5 days and counting and I have only rice to eat for 2 days now, which I will finish today. 

I believe this is a scam that allows the bank to hold onto funds for a designated period of time to earn interest. I believe an investigation would uncover that this bank routinely locks funds on accounts as there are numerous complaints of them doing this. Normal procedure is for a bank to send a fraud alert where the customer confirms or denies they did the transaction before locking the account. Banks do this for transactions that are outside of the customers normal transaction pattern. In this instance, I am not doing anything any differently and these transaction are a part of my normal activity. Even if an account is locked, it is immediately unlocked once the customer contacts the bank. This is why I believe this is a scam in the same league of that perpetrated by XXXX XXXX with phony accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Colony Brands, Inc.
State: IL
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 contacted the credit bureau in XXXX for them to dispute the account XXXX  on my credit report. They sent me an updated credit report only to say that the company reported the account as accurate. I then received a letter from XXXX  advising that they sent a notice to the credit bureaus to remove the account as fraudulent. However the account is still being reported on my credit report. The balance show $XXXX, I am attaching a copy of the letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Round Up Ventures, L.P.
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:
The following companies are not following the FCRA laws and rules regarding reporting late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exceptas otherwise provided in this subcha pter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the
consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief