BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
State: MD
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:
Looking at my Equifax score is inaccurate. My score went up and one account has been paid in full and also that account has been removed from my credit report. Equifax has now dropped my score by 23 points for what? That's not right. I ask that they put the 23 points back on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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: Account information incorrect

Complaint:
I had numerous problems with Experian. IM going to list two. 
I paid a automobile loan off. The bank did not show the account was settled after 1 month, I filed a dispute with experian through their website. Showing proof it was paid off. A letter and invoice from the Bank that is was paid off. They still refused to mark it paid on my report. I disputed it again. again they refused to mark it paid off. Meanwhile. I applied for a another car loan. Since it showed I already had a loan. I was refused a auto loan from numerous banks. Causing me to take the only one that offered with a high interest rate. They have no way of calling or emailing anyone at Experian either. IF you try to call, your put on hold for hours then your they cut your call. My credit has issues in the past. I have not been late on one bill in the last 3 years.

MY second, I have 3 credit cards. ON Experian site, they lowered my score because my credit card balance went over 40 % of available credit. Fine, Since I pay my balance off every month. The next month I didnt charge anything. They lowered my score saying because I dont use available credit it hurts your score. The next month I charged less than 30 %. they again lowered my score saying I should stay under 8 % of available credit on my credit cards. So they do not have a set rule, or make them up as they go. 
I am also in the market for a mortgage. I feel they are purposely lowering my credit, causing me to pay a higher interest with the banks. I also paid of another loan. A different credit agency lowered my score, claiming I had to many open accounts. So I paid one off. Experian lowered my score because I paid off an account causing my others one to appear as new accounts. Do you see the problem with this? There is no help, no way to challenge this..

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 2021-02-20
Company: Mountain Run Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In checking my credit report I became aware of a collection from Account Name : MOUTAINRUNSO ( Original Creditor : 05 XXXX ) for {$3300.00}. I explained to them that this wasn't my account and they have refused to remove it. I reached out to who I believed to be the responsible party who contacted Mountain Run Solutions and they were undeterred and refused to remove the collection from my report.

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 2019-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is for Maryland. 

My wife and I originally purchased our home in XX/XX/XXXX and in XX/XX/XXXX we did a refinance with Bank of America. We signed a Deed of Trust in XX/XX/XXXX and the Lien was recorded with the county in XX/XX/XXXX. However, BoA messed something up with the paperwork and we had to re-sign an updated Deed of Trust in XX/XX/XXXX which was for {$770.00} less than the XX/XX/XXXX paperwork and was just reflecting the updated amount of the loan and was NOT a new lien. That Deed of Trust was recorded by the county in XX/XX/XXXX. The loan was then sold to XXXX in XX/XX/XXXX and we continued to make all payments until XX/XX/XXXXwhen we re-financed again. We got a Lien Release from XXXX in the mail as expected and didnt have any concerns. 


Now, we have a sales contract on the house and in the course of the Title Search, the lien from XX/XX/XXXX is coming up as unreleased. I didnt think it would be a problem since I have all the paperwork and so I contacted Bank of America and sent a copy of the XX/XX/XXXX Deed of Trust and explained that the XX/XX/XXXX lien was still open and it needed to be closed since it was in error. 
Since then I feel like I have gotten nothing but a run-around and conflicting information every time I call. I even went into my local BoA branch last week and had the branch manager help me escalate with the Lien Release department and now when I called today for an update Im getting completely new and different information than what I was told on Friday with a BoA person on the phone with me. BoA is claiming they have no record of the XX/XX/XXXX Deed of Trust and therefore cant help me and I should contact XXXX  ( now know as XXXX XXXX ). So I called Nationstar and they confirm that they only received paperwork on a Deed of Trust dated XX/XX/XXXX and that they properly released it when we paid off the loan in XX/XX/XXXX. So I contacted BoA again and they continue to claim that no Deed exists and if it did exist then it would have been sent to XXXX. 


Its clear to everyone looking at the Deeds of Trust that they were for basically the same amount and the paperwork even has the exact same loan number of it but I cant get anyone who does the Lien Releases to acknowledge that. I was supposed to close on XX/XX/XXXX and that had to be delayed because the title insurance wont sign off with the encumbrance. 

No one seems willing to help and issue the lien release. 

I have attached a title search showing the Deed recorded on XX/XX/XXXX being still open/unreleased and also attaching a copy of the XX/XX/XXXX Deed of Trust that was notarized and submitted to XXXX County Maryland and shows a recorded date of XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Wednesday XXXX/XXXX/XXXX, I received an automated call to my cell phone from XXXX XXXX XXXX. The recording stated a complaint has been filed against me. " I have been retained to serve you at you residence or place of employment ''. The automated recording gave a " File Number '' XXXX, then stated that I have been officially notified. I called and spoke to a man who stated that I 'm being charged with breach of contract and attempt to defraud a financial institution. They 're stating that I owe Chase Bank {$3400.00} and they are pursuing me. They 're offering {$1200.00} to settle and dismiss the case. I HAVE THE CALL RECORDED!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
When getting a auto insurance quote they pulled the XXXX . report from Nexis Lexis. Nexis Lexis shows that I have had two auto accidents in the past five years in XXXX. Here is the issue though I have been in XXXX for the past five years and haven't been back in XXXX. As well the truck involved in both of the wrecks is my dads truck and he was the driver in both wrecks. Yet they show the accidents under my reports and his reports. Pulled my DMV record which is clean and offered to send that into Nexis Lexis. They said they will look into the record and dispute the claims but nothing may change and they will don't want me to send my DMV report. They also did not confirm if they actually pull records by the SSN or DL number. As well they do not audit their information or check that they are searching the correct records. Have told them to dispute the findings and they have done nothing on the reports or looked into the matter. This has been going on for four years now and they will not correct. Currently seeking legal action against them for inaccurate reporting against a person, and unwillingness to audit or look into the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/2019, I called Bank of America to close my Cash Rewards Visa account. After being put on hold for 25 minutes, I was finally able to talk with someone. 
The representative confirmed that my account has {$0.00} balance and has a cash reward of {$4.00}. 
For the cash reward, I requested a check to be mailed out to me to the address I confirmed in the beginning of the call. 
However, the representative told me that since the amount is less than {$25.00}, they can not do it, regardless of the account being closed, and despite the fact that I earned it.

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 2022-08-11
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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXXXXXX 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 2018-04-04
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT XXXX XXXX ACCOUNT # XXXX AND INACCURATE LATE PAYMENT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
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: Account information incorrect

Complaint:
I co signed for my wife 's vehicle that we purchased in XX/XX/XXXX. It was a a XXXX XXXX XXXX. We purchased it for a total cost of XXXX and we put XXXX down. Our payments were still 300+ a month which was out of our budget. We tried returning the vechile the following week we purchased and were denied. The dealership stated that the finance company ( XXXX XXXX ) would not let us out of our loan agreement. We struggled for 3 months to make the payment before they repossessed the vehicle in XX/XX/XXXX. They then notified that we were still expected to make the monthly payment even after they notified us that the car was sold at auction for XXXX . Which is more than the original purchase price. As of today we owe approximately 14,000 and they are still reporting that were missing monthly payments even though the account had been charged off. We notified them by certified letter asking they stop with no response, disputed the account with all 3 credit burrows to no avail. Ease any help would be gr ees early appreciated. The fiancee company is quality acceptance based out of XXXX XXXX California

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I co signed for my wife 's vehicle that we purchased in XX/XX/XXXX. It was a a XXXX XXXX XXXX. We purchased it for a total cost of XXXX and we put XXXX down. Our payments were still 300+ a month which was out of our budget. We tried returning the vechile the following week we purchased and were denied. The dealership stated that the finance company ( XXXX XXXX ) would not let us out of our loan agreement. We struggled for 3 months to make the payment before they repossessed the vehicle in XX/XX/XXXX. They then notified that we were still expected to make the monthly payment even after they notified us that the car was sold at auction for XXXX . Which is more than the original purchase price. As of today we owe approximately XXXX and they are still reporting that were missing monthly payments even though the account had been charged off. We notified them by certified letter asking they stop with no response, disputed the account with all 3 credit burrows to no avail. Ease any help would be gr ees early appreciated. The fiancee company is quality acceptance based out of XXXX XXXX California

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 2018-12-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Around XX/XX/XXXX, I had lost my wallet and cellphone at the same time. My phone did not have a passcode lock on it, therefore information on my phone was easily accessible. I had sensitive information pertaining to my identity, email access, and even phone access. Who ever did the charges below had my phone too, because they were able to confirm a 6-digit passcode sent by chase to me VIA email/text. 

Since Chase is assuming it me who confirmed my identity, they are denying my claim. 

These are the fraudulent transactions below in which Chase is denying my claim. 
The specialist assisted payments are not made by me. I asked chase to see if they can pull up the call log records on that day to check the voice of whom was speaking. 

XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX - XXXX  XXXX XXXX   XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX # XXXX XXXX CA XXXX XX/XX/XXXX & Payment Thank You Specialist Assisted -XXXX XX/XX/XXXX & Payment Thank You Specialist Assisted -XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX   XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA -XXXX XX/XX/XXXX XXXX # XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX LA XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX XXXX CA XXXX I filed a police report regarding this matter. 
All of these transactions are reflected on my account and credit report. I am not liable for ANY fraudulent transactions, and Chase states in their policy that there is a zero-liability for fraudulent transaction. This is significantly affecting my credit score due to a high utilization. 

I had them escalate the claim to another agent so another set of eyes can go over my claim. 

I am very frustrated from this situation and can not believe how Chase is treating my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian Credit Bureau has an incorrect version of my on the credit report. In the section where they names, my last name is misspelled : XXXX. My last name is spelled is 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 2018-02-15
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I have been buying bitcoin and ethereum on XXXX XXXX for a few months now and this is the first issue iv had, and yet its a big one. Coinbase charged me twice for most if not all my transactions. Onc3 on the day i purchesed them, and then they charged me the same amount for all my purchases again on XXXX. XXXX, 2018. I have included my online bank statements. The ones with the red mark next to them are the second charge and the ones with the blue are the original charge on the day i purchased. I also provided my coinbase purchase history where i outlined all my transactions in purple. I have tried to contact support mant times and can not seem to get ahold or get through via email or phone. My Case number with coinbase is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SCA Collections Agency failed to validate this debt for this alleged collection account # XXXX. They received my dispute as of XX/XX/2021 where I requested : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) an informed consent for medical treatment and ( b ) financial responsibility agreement, signed by The alleged original creditor and XXXX XXXX , ( 2 ) a copy of all actual bills sent from The Alleged original creditor to XXXX XXXX with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by XXXX XXXX to the alleged listed original creditor, ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved and ( 6 ) Proof that this debt was an alleged account described by Title 15 section 1693A ( 2 ) demand deposit, savings deposit, or other asset account.

You are illegally attempting to collect the above-listed alleged debt.

They responded with medical bills as if that was what I requested and did not validate this account at all which leaves them in violation of Title 15 1692Ga Furthermore they are falsely stating this alleged debt was an " account '' According to Title 15 1693A2 " ( 2 ) the term account means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open end credit plan as defined in section 1602 ( i ) [ 1 ] of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement ; '' this means that SCA collections Agency is in violation of 15 U.S. Code 1692e.False or misleading representations For falsifying the character of this debt Delete immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2019 ... .. moved into an apartment complex XXXX at XXXX XXXX. 
Apartment was uninhabitable. Not ready for humans to live in. XXXX and XXXX  infested.Strong Paint orders throughout the apartment. Front door was not properly attached. At this time in my life I was a victim of XXXX XXXX and had to move due to XXXX XXXX circumstances against my life and my family. I have been wrongfully charged with debt from this company on multiple occasions and its was all inaccurate. 
Please help me remove this debt off my report due to the laws that supposed to protect families in domestic XXXX situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
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:
In XXXX I filed for Chapter XXXX Bankruptcy ; I was XXXX in XX/XX/XXXX. I had an Equity Line of Credit with XXXX XXXX XXXX XXXX which was included in the bankruptcy. It is almost 9 years since the filing and this line of credit still shows on my TransUnion credit report. XXXX and XXXX have already removed it from my credit report, as the 7 year window has already passed. I contacted TransUnion in early XX/XX/XXXX ; however they did not remove it and instead they updated the Pay Status field to say >Account Included in Bankrupcy<. I would like TransUnion to remove this account from my credit report since the 7 year window has already passed.

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