BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-11
Company: Bank of China USA
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an account with Bank of China New York branch, which was opened by XXXX. On XX/XX/XXXX, according to the confirmation email sent by BOC NY, I requested to have all of my statement sent through email. The bank confirmed the request after that. However, also according to my email record, I never received a single bank statement from BOC NY. On the confirmation, they did not say the statement will become annually, so I believe it still should be monthly statements. Because I switched major of my banking relations to XXXX and credit cards to XXXX XXXX, I didn't use the BOC account very often. And because of the change, it is hard for me to know what is my latest balance without a valid statement. By XX/XX/XXXX ( XXXX Standard Time ), I received an email from the bank which said my online banking account was frozen. I called the bank to figure out what had happened and the bank staff told me my account has been closed due to insufficient balance. I will never forget I still have an account if they are sending me a proper statement every month, just like I didn't forget I had an XXXX pre-paid card because I am receiving notice from XXXX every month. I contacted the bank several times after the closure, but they said they do not know if I had a negative balance and did not respond to my question " when, to where and how did you send my monthly statement. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-05
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: Personal information incorrect

Complaint:
Request to update personal information with handwritten letter regarding my identity and I havent received a phone call, email or letter.

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 2018-12-31
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today XXXX I called XXXX XXXX XXXX XXXX   XXXX to speak with them about setting up payment arrangements for a CC debt that has been turned over to their company. I advised the representative that my paycheck was already being garnished, without myself having prior knowledge that it was going to be put into place, and I was told 2 things 1 ) they do not set up payment arrangements once a garnishment has been issued 2 ) they do not send out informing someone when they do a garnishment. 
Legally are they not required to inform me prior to a garnishment being issued? 
She also said, it was past the statue of limitations for my state which is TN but since they were granted a judgement in XXXX in was null and void. 
This is a violation of the Fair Debt Collections Act this debt is over 6 yrs old and they never filed a complaint against me or took my to court about it so they can not collect or garnish my wages. The representative did not agree with me and told me I had to contact the court house to handle it from here. 
I have called this company several times since XXXX and never for a return phone call from anyone which is very unprofessional and the lady I spoke with today was very rude and had a bad attitude which I did not appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Originally I applied for loan modification and was denied. I listed my house for sale ( its short sell since I owe more than what the house is worth ) and had couple of offers and non of them were accepted by the bank, they said they were too low. My agent finally found a buyer with a higher offer, we have sent all the required forms and items to the bank and appraisal was done on Friday XX/XX/XXXX, I have asked the loss mitigation ( XXXX said she is not willing to postpone sale unless she gets the appraisal, well the appraisal was ordered by the bank and not me, she is responsible on getting that, there is nothing I can do, I have done my part. She needs to postpone the sale in order to allow time to get the appraisal. Sale date is XX/XX/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 2021-02-12
Company: BERKSHIRE HILLS BANCORP, INC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my mortgage payment on XX/XX/01 in the amount of {$2000.00}, the payment was received and Berkshire Bank held the payment and did not post because of an increase in escrow. The bank made no contact with me to make me aware of the {$23.00} shortage due to the increase until XX/XX/01. I paid the {$23.00} to make the payment whole immediately electronically, Berkshire Bank had initially reported the entire payment 30 days late, theyve since reduced it it the {$23.00} delinquent and I do not agree with it to be late. Had they contacted me sooner, I would have paid it sooner and as it stands payment being made on XX/XX/XXXX with a XX/XX/XXXX due date is not over 30 days delinquent. I have had my mortgage with them for over 15 years and I think that I was late one time over ten years ago. It is a shame to have to be put through this but the negative impact to my credit is worth protecting. Ive enclosed my loan statement showing the transaction history as stated above. Thank you in advance.

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 2020-08-01
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: Old information reappears or never goes away

Complaint:
There are over 12 credit inquiries on my report that have expired as of XX/XX/20 & they have not been removed from 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 explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below isn't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 TX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am accusing Transunion of fraud. Transunion has deliberately removed three XXXX student loan accounts that were in good standing and closed in XX/XX/XXXX. These accounts were to be on the credit report until XX/XX/XXXX, thus Transunion violated its own regulations. Also, Transunion fails to give an explanation for the deletion. In addition, Transunion reports payment history information in a misleading manner, as well as high balance statements, such as high balance amount running from year to year or a series of years without change. Furthermore, a credit reporting representative admitted that the early removal of satisfactory accounts negatively impacts a consumer 's credit score. I have been trying to resolve my disputes with this agency since 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 explanation
Consumer complaint received 2018-06-11
Company: WLCC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
My husband and my daughter both had to have XXXX  around the same time one was emergency and the other was planned, with that being said I missed time from work and so did my husband and we got a little behind. I borrowed {$500.00} from them I have been paying {$80.00} per week for approximately 8 weeks already in which I thought originally my payments would be every 2 weeks so I asked them if I can do a payment arrangement to pay it off seeing how I probably already paid back over what I borrowed, They said NO payment arrangments can be made in any circumstances I would have to let it go as a non payment, well I have overdraft protection on my account so the bank will pay it anyway and charge me the fees because of this I have fees on my acct un warranted and it putting me in more debt and all I was trying to do initially is make an affordable arrangement.

this is what they email me weekly below : Dear XXXX : Your scheduled payment of {$80.00} will be processed Friday XX/XX/2018 for loan number XXXX.

Your payment will be applied as follows : Principal : {$50.00} Advance Fee : {$0.00} Interest : {$30.00} NSF : {$0.00} Total Payment : {$80.00} To select a different payment option, please go to XXXX XXXX XXXX and log in as a " Returning Customer. '' Then select the option that works best for you.

Depending on your bank, it may take three to five days for this transaction to appear on your bank statement. You can check your loan status at any time by visiting XXXX and log in as a " Returning Customer. '' Your confirmation number is XXXX.

Thank you for choosing XXXX XXXX. We appreciate your on time payment.

The XXXX XXXXe Team XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-31
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
UNITED COLLECTION SERV XXXX COUNTY OF XXXX - XXXX XX/XX/2013 {$440.00} {$440.00} is holding information on my credit report that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I lost my job in 2015 so I put a lot of debt on credit cards. I then enrolled in a debt relief program, XXXX XXXX XXXX, and have paid off of the the credit card debt enrolled. The problem is, my credit has yet to recovery even though Ive paid all my bills ontime and have no bad accounts. 

Were talked below 600 credit score bad. I really need help with this. Its preventing me to live my life : (

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 2018-04-24
Company: EQUIFAX, INC.
State: TX
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:
There are accounts that are negative and collections on my Equifax credit report. These same accounts were reported to XXXX and XXXX both XXXX   and XXXX completed the investigation of the items disputed and they were removed from my credit reports deleted completely. Equifax however has not deleted them. Has completed the dispute and all is still on there. I can not access Equifax online at all because the information they have for me doesn't match their records. I have sent them a copy of my DL social and utility bill reflecting my current address yet they do not update it. In fact I don't even know what they show for me because I can never pull any info because it is so inaccurate and doesn't not match XXXX or XXXX or any of my actual true current info. I have tried calling them multiple times never can get them to correct anything and who I have spoken to I'm always told about half way thru the call they are sorry to call back later their system is down or some other reason for me to call back and start over again. It's rediculous and alot of creditors unfortunately use Equifax as their basis for awarding credit I have been denied because my score with them is so low compared to the other two plus the information is wrong. They don't even reflect my current good standing open accounts it's rediculous they are even in charge of this and have control over my life when they don't do things correctly or accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: EQUIFAX, INC.
State: LA
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 have made several attempts to communicate with your Offices. In Exhibit B you will find copies of my certified mail receipts. 

The account listed in Exhibit E is inaccurate, not timely, and carries no documented evidence of its existence. To the least, it has not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting this non-compliant unverifiable account on my credit report. 

I have attached undeniable proof that you are in violation of the FCRA by reporting false and inaccurate information concerning the account listed in Exhibit E. 

I have attached a print-out of my XXXX XXXX Statement dated XXXX, XXXXXXXX XXXX. CST. This statement shows the correct balance and payment information Exhibit C. 

On XXXX, I filed a complaint # XXXX with the CFPB for failure to provide certified proof that the account was valid and accurate. In Exhibit D you will find a copy of the CFPB Complaint. 

Credit Reporting Agencies have a duty to verify the information as 100 accurate. The FCRA also states that the consumer can demand that the credit bureau provide certified proof that the information that they publish or provide is in fact 100 timely and accurate.

Credit Reporting Agencies can not simply say that the information was certified. You must also produce said certification when I consumer asks for it, which is their right under the FCRA. 

The evidence that I have attached proves that you did not conduct independent investigations of my dispute because the balance and payment amounts are and have been incorrect, inaccurate, and not timely. ( Copied from attached Affidavit ) ****

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Cedars Business Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From XX/XX/XXXX until XX/XX/XXXX, I worked for a XXXX-XXXX XXXX XXXX XXXX  company called XXXX. In XX/XX/XXXX, XXXX XXXX started ownership of XXXX and its employees. There was a known debt I with XXXX  that started after I left XXXX  in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I was unemployed. XXXX did provide a severance package. Later in the year, I received debt notices from XXXX  for taxes paid on my behalf while working in the XXXX for XXXX.

I started writing emails ( which came back undelivered even though I chose reply ) back to XXXX asking they waive the amount owed, {$15000.00}. I didn't have the money due to the expenses after being laid off by XXXX. Every time I received an email, I asked the same. Then I started writing letters and received no response, again, asking for a waiver. Then I received a letter from a debt collector. I told them I was in pursuit of a waiver and showed them letters I had written to that extent.

I wrote letters in XX/XX/XXXX and XX/XX/XXXX and received no reply.

I even wrote a letter to the President of XXXX XXXX, certified mail, return receipt. I received not reply.

In XX/XX/XXXX this year, I received a call from XXXX XXXX XXXX. The caller ID was from XXXX XXXX from XXXX XXXX, XXXX. I contested the debt due to non-receipt of an answer from XXXX. XXXX XXXX sent me a debt letter that I had received in XX/XX/XXXX. I received a credit bill last week and replied to XXXX XXXX to ask XXXX  on my behalf to answer my questions from XX/XX/XXXX.

Questions : 1. Does a debt collector in XXXX have jurisdiction in XXXX ( my residence )?

2. What rights do I have in this situation?

3. Will you interceded on my behalf and ask XXXX  to answer my questions from XX/XX/XXXX?

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I recieved a check in the amount of {$2100.00} from XXXX XXXX  for my wedding dress. I took this cashier check to my bank, JP Morgan Chase. I gave the check to the bank teller and she deposited the check into my savings account. Chase approved {$100.00} until they could prove the check was cleared and had funds. On XX/XX/XXXX the remainder of the check was deposited into my savings account. XXXX XXXX told me he was in New York in XXXX XXXX training and is having a moving company pick up the dress. We had agreed that he was going to send me enough money to cover the dress plus the shipping fee. XXXX XXXX   told me it would cost {$1500.00} to ship the dress but he would let me keep {$50.00} extra since I had to send the dress. I wire XXXX XXXX  {$1400.00} total to pay for shipping using XXXX   to XXXX. On XX/XX/XXXX I realized my account with Chase had been emptied, both my savings and checking. I went to Chase Bank as soon as I realized this and they told me that they had closed both of my accounts and that I could never bank with Chase again. The check that XXXX XXXX had sent to me was a fake check. When I ask why they approved the check on XX/XX/XXXX they had no answers for me. I had around {$1600.00} in my account and I have lost all of it. Chase told me I am also responsible for the insufficient funds of {$580.00}. I have spoke with several different people and they all tell me the same thing. I ask why its my fault for depositing a fake check if they couldn't even tell it was fake, NO answer has been given, Since then I have filed a police report with my local police station.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have disputed two inaccurate accounts with Experian that they are reporting and they have failed to do a proper investigation! The following 2 accounts are inaccurate and one is over 7 years from the first date of delinquency which is a FCRA violation! Also under Sec 1681 ( b ) under exclusions they are in violation for reporting this information! 

1. XXXX XXXX - XXXX 2. 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
Consumer complaint received 2021-08-14
Company: EQUIFAX, INC.
State: AL
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:
My credit report shows 7 late payments but the information is not consistent across all XXXX, Equifax and XXXX which is causing me to not get approved for a home loan. XXXX told me that there is nothing they can do and I am just screwed and I have disputed multiple times including with the credit agencies. Please help me get all these late payments removed as they are not correct. All my forbearances were to be back dated and were not done. I disputed it and they told me per the FCRA they have to repot accurate information and clearly they do not bc I provided proof! I have also attached the incorrect reporting proof that isnt consistent!

Company response to consumer: Closed with explanation