BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Regarding COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX XXXX " The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at XXXX XXXX XXXX XXXX XXXX about its response to this complaint. '' No response from the company- The company has not addressed any of my issues as no response was provided. The company has NOT responded in writing either to me or to the CFPB. The telephone provided to get a verbal response goes to a general, unidentified voice mail. This is unacceptable. To reiterate : NO RESPONSE, NO WAY TO CONTACT THEM. 

" The CFPB has closed your complaint. " CFPB did not receive/post company 's response and did not follow up and verify that a response was given. In both instances CFPB is not doing its job just padding " closed cases '' statistics. UNACCEPTABLE. Please open a complaint, ensure the company responds and verify that this is a valid response. 

YOUR COMPLAINT Deposited a {$2100.00} check on XX/XX/XXXX to my savings and checking accounts. The bank put a hold on it claiming the initiating financial institution will not make funds available until XX/XX/XXXX ( call to bank at XXXX XXXX  AZ time ). I checked with the issuing bank who representative stated thtat that is not true as they make funds avaiable immediately. Transfered to BOA Deposits Mgr XXXX who stated it's a Reg CC hold, funds not available until XX/XX/XXXX and told me info on overdraft fees. Why such a long hold? Reg CC says non local financial institutions must be available on 5th day. Is this another BOA scheme to use funds without crediting depositors timely?

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 2022-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THIS COMPLAINT IS REGARDING ORIGINAL COMPLAINT # XXXX Huntington National Bank ( HNB ) received our check for {$150000.00} on XXXX 2021 but did not apply to pay off our home loan until XX/XX/2021. 
At that time XXXX demanded payment for XXXX and XXXX interest even though our loan was paid in full on XX/XX/2021 when HNB cashed our checkthis was paid in order to save our good credit rating. 
Per our payment history prepared by HNB, XXXX and XXXX interest totaling {$720.00} had already been paid on XX/XX/2021. 
HNB needs to return BOTH XXXX and XXXX interest payments {$720.00} x 2 = {$1400.00} AND ANY INTEREST HNB REALIZED BY HOLDING OUR MONEY AND NOT APPLYING TO OUR LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Penn Credit Corporation
State: OH
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 my third time disputing fraudulent accounts on my credit report. There are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXXPENN CREDIT CORPORATION # 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 2018-10-04
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX ( a unlicensed debt collection agency ) on behalf of Transworld Systems and XXXX XXXX XXXX XXXX XXXX filed several lawsuits that resulted in default judgements between XXXX-XXXX and one lawsuit in XXXX/XXXX where I was provided with incomplete information showing ownership and chain of custody. This deceptive information included an affidavit stating that XXXX owned the loan in question along with a promissory note and other documents. I have never been given the requested chain of custody/assignment that shows XXXX owns the loans in question per y numerous requests. I have filed unsuccessfully motions to set aside these default judgments. I have since been garnished of both my state income refunds and paychecks. I have received debt collection letters dated XX/XX/XXXX & XX/XX/XXXX from Transworld Systems and XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding these loans. XXXX is a servicer who is reporting these loans on my credit report as of date that included incorrect information. XXXX stated in a prior complaint filed with CFPB that they only have information from when they obtained these loans in question in the years XXXX-XXXX, however, upon calling XXXX they were the servicer on all loans upon date of origination on all loans in question. XXXX is reporting on my credit report to contact current furnisher, without knowing who truly own these loans its impossible to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have already submitted a complaint with the CFPB regarding a matter with Loan Depot and received an e mail stating the that company responded but I am not able to see their response when I sign onto CFPB. I DO NOT want this complaint closed until there is a resolution. 

Rather than repeat the entire story please retrieve my complaint against them and re-activate it or I will proceed to file new complaints until the matter is resolved. They " Pre Qualified '' me for a loan and then denied it after I spent over {$1100.00} to purchase my first home. They denied me for something that I was not even financially responsible for and I am livid, not only because they denied me the purchase of a home as a first time home buyer which they " Pre Qualified " me for and the {$1100.00} that I am out but the fact that they should have asked me about the concern/issue during the " pre qualification '' process. 

I will not leave this alone until there is an acceptable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have tried to resolve this with Transunion on numerous occasions through their own dispute process. I only received " canned '' responses that an inquiry is a factual record of of a company pulling my credit.This is to notify you that I contacted the following inquiry creditors and they responded that the inquires SHOULD BE REMOVED. XXXX XXXX has even stated they have submitted disputes to Transunion on two separate occasions. I have attached the letters as proof. If these UNAUTHORIZED inquires are not removed immediately my next step will be filing suit for monetary damages. Transunion is in direct violation of the FCRA. Remove inquires : XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX IMMEDIATELY. Do not tell me it will take 30-60 days because I know it does not take that long. I expect it done upon receipt of this complaint. If you respond that they are a " factual record '' I will file suit immediately. I have already contacted a consumer protection lawyer.

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 2021-05-21
Company: Winklevoss Exchange LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent Gemini two emails regarding verification of my account and have not received a call or email from them. First request was support number XXXX on XX/XX/2021 and the second support number was XXXX on XXXX XXXX. My account is still in verification mode and I am unable to withdraw my deposit funds. In addition, all information has been provided to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: TX
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: FL
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:
I already settled this debt with the Company and they agreed to delete it. Please remove this debt. Document will be attached to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-08-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am disputing the XXXX XXXX Inquiries on my report. XXXX XXXX XXXX pulled credit twice with out permission. This had happened after I got a XXXX XXXX card and that got pulled twice also. Experian and XXXX one Have dealt with the second inquriry. I am concerned with Fraud and someone trying to use my credit without my permission. 
XXXX id not give XXXX the permission to pull my credit nor do I have credit with them. I also did not give XXXX permission to pull my Credit, and I dont even know what the company is. The last XXXX had no right to pull my credit without permission. All of them came as a slew of inquiries after I had received my XXXX XXXX XXXX, except for XXXX. I was told this is a mortgage company. I am not looking for a house and can not afford XXXX. I have called the companies which have either told me to report it to the credit bureau, which I did. XXXX is working with me, How ever Experian told me to Call the companies again and write a dispute letter. 

XXXX details XXXX XXXX XXXX - XXXX and XXXX, XXXX and XX/XX/XXXX. XXXX. Neither was XXXX - XXXX XXXX. 
XX/XX/2022. Not XXXX XXXX. XX/XX/2022. Not authorized These need to be removed from my credit report. I did not authorize any of the above inquiries. Per XXXX suggestion and request I will be filing a police report tomorrow.

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 2020-10-07
Company: EQUIFAX, 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:
XX/XX/2020 Send a letter directly to the creditor send a letter directly to the creditor XX/XX/2020 Sent a letter to the credit bureaus I also sent a demand to comply letter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I had a credit card with American Express for 6 to 8 months. Since I was working on a project for my business at some point and time I would lend money from the credit card to a client until they could repay me. American Express called inquiring about my business dealings, I supplied the necessary documentation they needed to satisfy their inquiry. Then randomly months later, I received an email stating they closed my account amd I owe the full amount, a little in excess of {$7000.00}. They did not give me a reason. Then I paid a portion right away to show good faith that I am working with them to pay off what I owe. I have been in communication with them about payments, so their next action was completely uncalled for. I received a text message from my brother that American Express had reached out to him but addressed to me in the voicemail to me telling me to contact them in regards to my account. That is none of his business, nor anyone else, and it forced me to respond to him about my own business in which I was very unhappy about. When I called American Express complaining they said it was the alternate number to comtact me - which is completely false I never provided my brother 's phone number for them to contact in regards to my account. I told them that I believe that is unfair and poor business practices especially since I have been in communication and working with them in good faith on my part. Not to mention they call me 3 times a day which is a huge disruption to my day. I would understand their situation more so if I was completely ignoring or throwing in the towel on what I owe however that is not the case and I believe I have been treated very unfairly in the situation given I have not been given any reasons why my account was closed from the beginning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
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: Information belongs to someone else

Complaint:
I was contacted by XXXX XXXX & was asked if I made a {$600.00} purchase to be sent to an address in XXXX, Texas. & I told them NO I did NOT make that purchase or authorize anyone else to do so ( & that is NOT where I live,, & so approx. XXXX Experian has erroneously recorded that XXXX Texas address as mine.Ive requested by mail & by email & a conversation with XXXX XXXX to make the address correction ( I live in XXXX XXXX ). So today I received a notice from Experian that they updated my address, but only changed an apartment numeral ( which is still NOT MiNE ) I have no property in Texas! Please help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
In XX/XX/2018 I applied to have six loans I had with XXXX  XXXX XXXX consolidated. While going through the process I continued to make monthly payments on the loans. The consolidation was approved and the last payment to XXXX XXXX on the accounts was XX/XX/2018. I received an update to my credit report in XXXX showing the loan balance as XXXX  but the payment status is 90 days past due for 6 accounts! This is inaccurate as I paid every month and was not 90 days past due. When I call they tell me my accounts were current. I asked for a letter and all it shows is paid in full and XXXX balance although I requested a monthly payment history. I have sent a request twice to their dispute department but they keep sending me back a note saying my account is accurate with XXXX balance. I keep trying to tell them the payment status is incorrect and no one seems to get it. I need the payment status of six XXXX accounts corrected account numbers are XXXX. I also disputed with Transunion but they did nothing but remark my account.

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 2018-12-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018, I went to chase ATM at the XXXX, IL location terminal XXXX. I made a deposit of {$410.00} in the middle of the transaction the atm rebooted and the money was in the machine. I called Chase right away while the card was in the ATM. The representative advised me to take the card out the ATM to give him the last four numbers of the card. I removed the card the machine came back on and I checked my balance and the money didn't go to my account. I made a claim and the claim was denied. They won't go look at the cameras or anything. I don't feel like I should take a lost of {$410.00} because of an error at their ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/XXXX I filed a dispute with Chase for charges from XXXX XXXX XXXX XXXX    XXXX on XX/XX/XXXX for {$280.00} and {$380.00}. Despite the mountain of evidence, I provided on both my original dispute and my request redisputing the card on XX/XX/XXXX for the following reasons : Incorrect Amount charged, Not as Described or defective merchandise ( no heat during a winter storm, leading to a below freezing room ) and misrepresentation ( XXXX Best Rate Guarantee not honored ) Chase either failed to fully investigate or ignored all the evidence as no detailed reason for the chargeback being dismissed was provided and nor was any compelling evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Us bank is racially discriminating against me. They closed my business checking account and debit card for no reason.

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 2018-12-17
Company: Experian Information Solutions Inc.
State: MI
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 sent several letters to XXXX XXXX XXXX to validate two accounts that showing on my credit reports. XXXX XXXX XXXX  is reporting two credit card accounts, both open and closed on the same date, both with the same account # ( XXXX ). They are also reporting that these credit cards with a different address. I advised them several times, in writing and though telephone conversations that these account are not mine. They advised me to send a letter though fax to dispute /validate accounts. I faxed attached letter had have not received a validation on either account. 
Each time that I send Experian letter to inquire about these entries on my credit profile, they send the same standard response. THE INFORMATION HAS BEEN VERIFIED. 
I asked that Experian and XXXX XXXX to send me a signed copy that I agreed. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) if they can not send me a signed contract or send Verification they must delete the entry. 
I would like these accounts removed from my credit report, since Experian never took a serious look at my disputes.

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