BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: ID
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 recently discovered that Equifax has included a bankruptcy on my credit report that has already been removed by XXXX ( removed in XXXX ). Despite having provided Equifax with documentation from XXXX confirming the removal of the bankruptcy, Equifax continues to report this inaccurate information on my credit report. I've disputed this several times with them and EVERY time they claim to have verified their 'accurate ' results with XXXX XXXX 

Furthermore, during my communication with Equifax 's customer representative on XX/XX/2023, I was informed that they require a letter from PACER ( Public Access to Court Electronic Records ) showing that the bankruptcy is no longer present. This requirement seems unreasonable and places an undue burden on me as a consumer, especially considering Equifax 's stated practice of verifying information through XXXX. 

This situation raises concerns about Equifax 's verification methods, their compliance with the FCRA, and their adherence to fair and accurate reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Seterus, Inc.
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
" QWR Notice of Error '' Multiple 524 Injunctions have been executed on my loan by Seterus starting at assignment into XX/XX/XXXX though XX/XX/XXXX.  Seterus took a position that they were granted a conditional relief of stay given by the courts and placed a Forced Placed Insurance Policy on the property while the stay was in affect. This statement is not accurate because the stay had a condition that if the debtor did not execute a payment to correct a deficiency in the loan the stay would go into effect. The payment was paid by the debtor so the stay was not issued per the courts the court added that if in the future Seterus would have to send the debtor notice of intent and Seterus has never done so. Seterus at that time issued a Forced placed insurance policy on the property while the debtors insurance was on file with the court this encumbrance was a direct violation of the debtors plan and the federal stay 524 Injunction. I am requesting all periodic monthly notices, payoff and monthly billing statements. Seterus was party to a reaffirmation agreement that reduced the debt for this loan as part of a chapter XXXX bankruptcy proceedings in XX/XX/XXXX. Ever since the signing of that agreement Seterus has asked for discharged debt on the monthly statements. Seterus has included the discharged crammed down debt as interest still owed on the loan also Seterus has added the discharged debt to payoff statement s that I have  requested on the loan since XX/XX/XXXX. When the loan was sold or transferred to the new investor XXXX and loan servicing company XXXX the were given the wrong amount owed and a insurance policy that now has been canceled because of the negligence of Seterus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$6900.00}

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 non-monetary relief
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hello I reached out to you all back in XXXX about some items on my credit that were not mine. This has really been a big inconvenience and has put me in a really bad spot. Some of the items were handled but there are still two more and some inquiries. Please remove these accounts from my credit asap. I got in touch with the local police also the ftc. Items for removal : XXXX XXXX XXXX XXXX and XXXX And the inquiries are XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX  and 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 2023-02-15
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We made a mobile deposit of {$2000.00} from XXXX XXXX to Bank of America on XX/XX/2018. Previous the hold was placed on the account until XX/XX/2018 for funds to be released. I spoke to Bank of America on on XX/XX/2018 because we received an alert advise of our account negative $ XXXX. I called Bank of America to verify was there an issue with the deposit and was advised the funds will be released on XX/XX/2018 due to XX/XX/2018 was on Saturday no funds will be released and XX/XX/2018 was a Holiday. As of XX/XX/2018 no funds released and no funds will be released until XX/XX/2018 due to the check needed to be validated extensively before the funds to be released to protect the bank and the customer. I was advised the next time for XXXX XXXX to issue an electronic payment through direct deposit because of the substantial amount of {$2000.00} but we have no way of telling XXXX XXXX  how to send the funds. This is unacceptable I am the customer and I pay monthly on the XXXX Policy through my job as a right I need further explanation what is the real issue at hand.

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 2020-11-03
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 I purchased an item through lay-way from XXXX XXXX  on this date I made a payment of {$100.00}. Prior to the payment I made another payment completing the amount for the Merchandise which was on XX/XX/2020 in an amount of {$1100.00}. XXXX  XXXX  refunded me the total amount of {$1200.00} to my account on XX/XX/2020. My card had a hold on it due to the amount of money being refunded back to the card to verify if I made that purchase. When the hold was lifted I noticed the amount wasn't added to my card. I called to verify about the amount. Representative explained to me that the money was sent back to the merchant on XX/XX/2020 as adjustment debit, due the fact the card only had a limit of {$1000.00} for returns. I've followed up with both merchant an TD paycard services to resolve the issue of my money but I haven't been able to get a answer as to where my money is at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 when traveling abroad on vacation I started to make an ATM withdrawal of XXXX pesos from an ATM. After reviewing the fees query on the screen I cancelled the transaction and retrieved my card ( no atm receipt was given since I had cancelled the transaction ). 

The following transaction occurred on my XXXX statement : ATM Withdrawal XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2018 ( {$340.00} ) Since this withdrawal was cancelled by me before completion no cash or receipt was received. 

I promptly notified my bank and they looked into it but declined to reimbursement and closed my dispute. They did provide a document from the bank but it was in XXXX and provided no resolution. I will attache this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
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:
OnXX/XX/XXXX I submitted a credit information dispute with XXXX, XXXX, and TransUnion. In this dispute all 3 credit bureaus have a Bankruptcy listed on my credit report that is inaccurate. 
1.XXXX has the bankruptcy listed as Case # XXXX with a Court # XXXX 2.TransUnion has the Bankruptcy listed as Case # XXXX 3.XXXX has the Bankruptcy listed as Case # XXXX with a Court # XXXX As you can see from the Bankrupcy Court Official Document Sheet the Official case Number is XXXX. 
1.XXXX has the Case # lasted and it's incomplete and as you can see from the Official Court Document Sheet there is no Court # listed 2.TransUnion has the Case # listed and it's incomplete as they are missing the letters that are to follow the Case # as you can see from the Official Court Document Sheet 3.XXXX has the Case # listed and the Case # in incorrect and as you can see from the Official Court Document Sheet. Also there is Court # listed on the Official Document Court Sheet

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 2022-11-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I wish to practice my right as a customer of Chase Bank to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with Chase Bank. 

Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation run by a sophisticated con-artist named XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent persona ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Account # XXXX XXXX XXXX : My name is XXXX XXXX. Today I went to the location in XXXX on XXXX XXXX where I have been making my business loan payments since XX/XX/XXXX and found out that half of the payments that I have been making since XXXX have not been credited to my account. I have enclosed the statement from the branch and emails between myself and the law firm. In addition, I pulled my credit report today and found out that XXXX XXXX shows my account as being {$9000.00} past due with a balance of {$17000.00}. This information is incorrect. 

I have been making payments on my account since XXXX at XXXX XXXX branches. Paying this loan with my business closed and unemployed for most of XXXX and XXXX was extremely difficult, but I did. As a small food company, I was hit hard by XXXX. XXXX XXXX provided me with XXXX previous business loans that I repaid early. However, I struggled to repay the third loan due to a horrible experience with a co pack manufacturer, causing me to lose a large order to a major store. 

I would like to speak with someone at a branch who will correct my account, find and apply the missing payments, clarify why the interest rate is almost 10 %, and correct the inaccurate information to the credit bureaus, correct my credit report, and remove the returned check fees for payments that the XXXX branch on XXXX XXXX lied and told me they never received. I disagree with a judgement ever being placed upon me ; It was malicious and cruel and not necessary to punish me so severely financially after I had made successful early payments on XXXX previous business loans. This was especially cruel that it was done in XXXX. 

Yesterday I spoke with XXXX XXXX in Collections who I do no trust or believe will take this matter seriously. Therefore, I am writing to you and asking that someone else assist me. 

Respectfully, 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 2017-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My most recent Bank of America credit card statement reflects receiving my {$600.00} payment, and shows my balance due reduced by {$600.00}, less $ XXXX % charge. However on the recent activity page, only {$200.00} ( approximately ) was applied to my balance 's. When questioned, customer service could not answer for the other {$400.00}. At one point we were told our payment was refunded ; than they admitted they had no answer and suggested going to the local bank. The bank rep also could not answer and called his support. " Support '' said our 0 % balances reflect the balance due including a potential % charge. We knew this was untrue. Next the support rep said the amount was properly applied in the computer, but did not show on statement. ( At one point the rep said they accidently sent another statement so just ignore it ) We asked if the statement would reflect the correct balance? Answer : No. We asked if the computer shows the money applied, why would it print an incorrect statement? Answer : The computer prints what it prints and can not be changed. We are concerned there might be some embezzlement or fraud. Without audit our statements and payments have not reconciled since at least XXXX 2017, but that involves filing a separate complaint. We had this account 23 years. We know errors can be fixed but Customer Service at Bank of America is non existence for us. We spoke with 5 or 6 different people ; 2 had no answer at all while the rest gave multiple ridiculous excuses with only one common theme ... do n't worry about it, wait for next cycle. Not acceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-03
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Discover Credit Card Acct # XXXX was opened XX/XX/2018 without my knowledge or consent. When I learned about the account, I contacted Discover and told them and was promised they would complete and affidavit of fraud and remove the account within 30 days from my credit files. Discover never sent any documents and then started reporting the account as late payments a few months ago and destroyed my awesome credit score causing a 198 point downward spiral. 

The company did not remove this account despite being told that I suspected that one of the employees at my apartment building, who has since passed away, is who I suspected of having done this, though I was not certain and had no proof.

I have disputed and challenged this debt multiple times, yet Discover continues to report the account and is unwilling to remove an account they know is not mine. All of my credit cards and accounts that I have present perfect payment histories. This account has caused me to have to pay higher interest rates and resulted in one of my accounts to have a credit limit decrease based on my current credit score. 

Please remove this fraudulent account immediately from all of my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Phoenix Financial Services LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Friday, XX/XX/2018, I received a letter from Phoenix Financial Services stating that I owe {$860.00}. The letter is dated XX/XX/2018. I called the number to find out who I needed to talk to because I dont acknowledge this debt. They couldnt give me much information other than XXXX XXXX XXXX XXXX XXXX. I called them, but they have no record of me having an account with them ( old or current ). I also called XXXX XXXX who is listed as the original creditor who also said the same thing. 

The person I spoke to said this account would be reported to the credit agencies and it would show up on my credit report even though I told him I needed time to figure out what had happened and who to contact to clear this up. He said he was not a financial advisor and could not tell me what to do or how to clear this up and that he would request a debt verification. 

I was a little surprised that he didnt ask me to state the last 4 digits of my social security. He just listed them and asked if those were it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 accounts completely from my Credit Reports : XXXX XXXX XXXX : {$360.00} XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2018-10-29
Company: Better Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
After much difficulty and back and forth, I closed on my refinance on XX/XX/2018. Two days after the closing, the lender informed me there was an issue with my cash at hand, as they did not include my pension from NJ. I was not informed that my pension was excluded until two days after signing the closing documents. By the time I could coordinate with NJ pension system and get proof, it was XX/XX/XXXX. On the XXXX I was informed that the money was released to the title company. On Friday XXXX I was told a check would be overnight to me. Today is XX/XX/XXXX and no check is arriving today.

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 monetary relief