BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
House was built new and purchased in XX/XX/2008 for {$180000.00}. The mortgage was purchased and moved to Bank of America from the original loan company. I refinanced for a lower rate with Bank of america a few years ago. Currently my balance is {$130000.00} and the value is {$200000.00}. The LTV rate is 67.8 % but Bank of America refuses to remove the PMI. Every time I contact them they send me a packet of paperwork showing that I have to pay over {$500.00} for an appraisal before they will remove the PMI. A banker at Bank of America even mentioned that their internal proprietary database shows the home value is {$200000.00}.

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 2019-01-24
Company: Phoenix Financial Services LLC
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 status incorrect

Complaint:
I paid the bill XX/XX/19 I called company XX/XX/XXXX to inform that payment was made via their own website as per their letter for acceptance of a reduced payment option. They reported as derogatory on my credit on XX/XX/19 even though I gave verbal confirmation receipt information and was assured that it was paid in full. I received notification from experian that this was reported. they are in violation of federal consumer protection laws. 
Thank you. 
XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Good day, my name is XXXX XXXX, in XXXX I helped my granddaughter XXXX XXXX XXXX purchase a car- XXXX Kia Forte at Galeana Kia XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. The purchase price of the vehicle was {$22000.00} financed by First Citizens Bank. At the time XXXX had little to no credit so I placed her name on the loan to help establish her credit, so then her name was also on the title. The payment was {$380.00} per month and for the first 10 months she made pretty much on time. Un-be knowing to me she lost her job and stopped making payments on the car, also the insurance was cancelled because of non-payment. On XX/XX/XXXX I received a letter from the SCDMV  that the insurance was cancelled XX/XX/XXXX on the Kia Forte, since her name was on the title, she had her own insurance on the car with XXXX XXXX. I had to pay a fine of {$140.00} for the lapse of insurance, I also reported the tag lost or stolen the same day I paid the fine on XX/XX/XXXX. XXXX XXXX XXXX name was not on any letter I received from XXXX, only my name XXXX XXXX XXXX. 
After this to keep my credit in good standing, I refinanced the car with South Carolina XXXX XXXX XXXX, at this time I still dont have the car, because her name is still on the title. The loan officer with the XXXX XXXX told me it would take around 30 days to get the title back and I had already put insurance back on the car when I paid the lapse of insurance fine. When First citizens bank received the title, they released the title to XXXX XXXX XXXX instead of South Carolina XXXX XXXX XXXX, which was stated on the pay off information sheet. Therefore, First Citizens should be held responsible for the amount stated on the check and in the letter at the time of payoff of {$20000.00}. I XXXX XXXX XXXX, never received the car or title but both were released to XXXX XXXX XXXX. Thank for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wells Fargo Dealer Services has been calling me nonstop over my car payment being past due from phone number XXXX. I have received 17 calls this week harassing me for payment of {$300.00}. I called two weeks ago and disclosed that I would be late on my next payment and the woman over the phone told me theres nothing that she could do, even though I told her I was making the last of my medical bills payments. 

On Monday XXXX XXXX, Wells Fargo dealer services called me four times, at XXXX, XXXX, XXXX, and at XXXX. 

On Tuesday, XXXX XXXX, Wells Fargo dealer services called me three times, at XXXX, XXXX, and XXXX. 

On Wednesday, XXXX XXXX, Wells Fargo dealer services called me five times, at XXXX, XXXX, XXXX, XXXX, and at XXXX. 

On Thursday, XXXX XXXX, Wells Fargo dealer services called me twice at XXXX and XXXX. 

I spoke to a woman named XXXX or XXXX today ( XXXX, XXXX XXXX ) from Wells Fargo dealer services and she kept harassing me for payment even though I told her to stop calling me. I was called three times today, at XXXX, XXXX and XXXX. She has continued her calls and I finally had to hang up since she wasnt listening. The constant phone calls and harassment need to stop. 

After all of this harassment and after my disclosure that I wouldnt be able to make my payment until the XXXX, they already reported me late to the credit bureaus. I will be submitting a formal dispute of my late payment through XXXX, XXXX and XXXX as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: PDQ Check Exchange LC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have been trying to resolve this issue with money 4 u for a year. They hired a private XXXXnvestigator that threatened me with arrest among other things. I asked if they would meet at police station. She refused. I have been offered a settlement twice then told no. They drained my account twice in 50 dollar increments and.l in quick succession until empty including all my unemployment. I have been told I have a warrant. By them several times. I called XXXX XXXX and XXXX XXXX XXXX to resolve court case. There are no cases or warrant. When I call they are very rude to me and tell me I need to pay my bills. They have destroyed my families birthdays this weekend that Ill. Ever get back. Please help me. I have filed a police report with XXXX XXXX police department. The report was taken by officer XXXX. Police report number is XXXX. Thank you. I have saved all communication from them. And proof of everything stated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: UT
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I applied for the Florida HAF ( Housing Assistance Fund ) XX/XX/XXXX, I was approved for {$1100.00} for ( XXXX ) months starting with XX/XX/XXXX payment. Payments from XXXX to be made to Wells Fargo. 

I have called HAF and was told that they have released funds to Wells Fargo. I have called Wells Fargo 3 times and they say that they do not see funds and to call on XX/XX/XXXX to check again. on XX/XX/XXXX I will be at my " grace period ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24
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: Account information incorrect

Complaint:
Today ( XX/XX/2018 ) I learned my outstanding mortgage balance is nearly {$10000.00} higher than it was a month ago. I called XXXX XXXX XXXX XXXX  to get it either 1 ) corrected or 2 ) explained why this occurred. Instead of providing help they asked me to send them evidence and mail them a credit dispute. 

I'm mailing the letter tomorrow and will attach the screenshots showing the discrepancy between what TransUnion and XXXX  ( XXXX XXXX ) and XXXX XXXX app. 

Additionally, considering how fraudulent XXXX has conducted themselves in the past, I'm inclined to not pay another mortgage payment until this is resolved.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible XXXX XXXX XXXX {$25000.00} XXXX XXXX {$660.00} XXXX XXXX XXXX {$660.00} US DEP ED XXXX {$1600.00} XXXX XXXX {$1000.00}

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 2018-06-06
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
After explaining to the Dr office that I never attended their office in 2015, I have received repeated calls from Capital accounts,,, I have been threatened, Cursed at and told I would be sued, I received calls over 5 times day at times Some names include XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX just to name a few I have told then I dispute this account Based on I never went in 2015 ... .They have falsified insurance dates and this is a case of fruad

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
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: Investigation took more than 30 days

Complaint:
OnXX/XX/2021 emailed XXXX XXXX 's Credit Dispute Center. Received a correspondence email that stated they will provide result within 30 days. Have not received any communication with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 emailed XXXX XXXX 's Credit Dispute Center. Received a correspondence email that stated they will provide result within 30 days. Have not received any communication with 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 2018-06-06
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2014, this debt for {$100.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have called Trannsuion and sent letters by certiftied mail three times to have 48 inquiries investigated and removed from credit report. They told me to fill out an Identity Affidavit I done that on this website. And sent them the information. I have heard nothing from this website with results and Transunion is still refusing to remove the inquiries, and has not sent me anything of the results from the investigation. No copies of the credit application showing my signature.

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 2018-02-02
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 at XXXX XXXX COMPLAINT ON MERCANTILE ADJUSTMENT BUREAU,  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX, XXXX, XXXX ext. XXXX 1. Experience - I have received repeated and frequent telephone calls on my home and business phones from the Mercantile Adjustment Bureau regarding a debt owed. I don't owe ANY money on any account that is associated with Mercantile Adjustment Bureau, and there is NO REASON for this company to call me regarding a debt.

2. No Accounts - I do not have any accounts that I know of that are associated with MERCANTILE ADJUSTMENT BUREAU.

3. I have communicated by telephone with MERCANTILE ADJUSTMENT BUREAU, that, I do not have ANY business with them, and there is no reason for them to harass me with ROBO calls to my home and business for a debt, for which they will not identify!

4. I have not received any written notification of any delinquent, passed due or in arrears accounts from MERCANTILE ADJUSTMENT BUREAU for any account ( s ).

5. I am submitting my telephone log with dates and times of the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: JPMORGAN CHASE & CO.
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We received a charge from a rental car company, XXXX, for approx. {$150.00} of damage on the car. When we checked out the car, we showed the attendant all the scratches and marks on the car and even took pictures. Even though the car was covered in marks, the attendant did not add anything to the car check-out form. We asked why not, and the attendant said these marks are normal. When we turned the car in, we were charged for a scratch, even though that was part of our original picture set. We asked the credit card company, Chase to resolve. They delegated this claim to two agents in XXXX, XXXX. When they called to get input on XXXX/XXXX/XXXX, we discovered, they had already closed the claim on XXXX/XXXX/XXXX and did n't want our input, despite submitting many pages of documentation. We further pursued this with the XXXX, Ohio office of Chase, but they provided a mailing address to send a letter and the agent read a script, responding like a robot. Chase failed to help us. They said they would re bill the {$150.00} despite all the documentation showing that the damage was already part of the car when we rented. It seems they are happy to delegate these decisions to overseas agents who have no interest in seeking input from their customers. We are now contemplating cancelling our Chase cards and using social media to spread the negative experience we had. It is shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is showing the SAME LOAN TWICE on the credit report. Account was paid and closed. This account is 7 years and 5 months old and refuse to remove it off my credit report. And the other one is showing 6 years and 5 months. Their reporting information is inaccurate and illegal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Saturday, XX/XX/XXXX and Tuesday  XX/XX/2019 I used Chase Quick Pay with XXXX to submit two different payments ( {$700.00} Security Deposit and {$700.00} 1st Month Rent ) that was required to move into a rental I was supposed to move into on Saturday, XX/XX/XXXX. The home owner then tried to get more money out of me and I finally pieced together I was being scammed. 

Since XXXX was offered through my Chase Bank online portal I thought it was part of Chase and I would be afforded protections. 

After I realized I was being scammed I contacted Chase and got the run around finally ending up talking to XXXX in the Chase Claims Dept ( XXXX ). I was told XXXX not a part of Chase and since my payments were pier to pier there was no obligation on the part of Chase to help get my money back. XXXX said I should have read the fine print and XXXX should only be used to send money to people I know. 

If that is the case then Chase should have had an upfront notice stating " You are aware that scam artists and pirates prefer XXXX because there's no recourse after they get your money, and Chase doesn't care ''. 

I've done a lot of research on XXXX since getting scammed and I think it is bs that Chase chose to partner with XXXX, the number one tool used by scam artists because there's basically no verification required to set up an account, and that Chase promotes it as their own internal payment system giving the illusion I'd be afforded the same protections I get with the other Chase family of products. 

I'm also very upset that Chase made it this easy for this scam artist to now have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017, this debt for {$340.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation