BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Date PAID : XX/XX/2018 Amount paid in full {$500.00} Company : XXXX XXXX XXXX My problem is with TransUnion. within the last two month, they are reporting information that should be updated to pay and closed. but the information read as a collection/charged off on my report. I had sent in proof that this account was paid in full.and the status of my report should a positive on my credit report and my credit score should go up. Can you please look into this problem. thank

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 2021-05-05
Company: LoanCare, 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 information incorrect

Complaint:
XX/XX/2021 To : Consumer Finance Protection Bureau From : XXXX XXXX XXXX RE : Complaint CFPB, I am contacting your agency because I am not able to get my previous mortgage company, LOANCARE to report my mortgage history correctly. We have been trying to get my credit report corrected since XX/XX/2021. 

We had a mortgage with LOANCARE that was paid off in full in XXXX ( Sale of Subject Property ) of 2021. At the time that the Mortgage held by LOANCARE was PAID OFF in full, the mortgage was in Deferment as per the CARES ACT. 

As of this date, XX/XX/2021, LOANCARE is reporting to Experian that we had a 90 day lateness of this account. 

This is not possible because a deferred mortgage under the CARES ACT can not be reported as being late while the payments are deferred. NO payments were due until XXXX. The mortgage was paid off in full in XXXX ( over 2 months ago ). 

We have called LOANCARE repeatedly to request that they send a letter stating that the account is reported incorrectly, but all they say is that it will take 30 more days. 

We are of the opinion that our rights under the Fair Credit Reporting ACT are being violated. This incorrect reporting of our mortgage payment history is damaging my credit and we are now about to lose our {$9500.00} Earnest Money Deposit on the next house we are under contract to purchase. We can not move forward with our mortgage approval because of this incorrect reporting by LOANCARE. 

We are retired and we can not afford to hire an attorney to address this issue. 

We are in desperate need of some help here and time is of the essence. 

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 2020-12-15
Company: Experian Information Solutions 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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2021-05-05
Company: Crossroads Systems Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX Ppp loan with XXXX XXXX was sba approve a month ago signed documents and all money hasnt been transferred and cant get in contact with capital financial or 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 2018-06-27
Company: LENCO FINANCE OF CARENCRO, INC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018, I received a XXXX title loan from Lenco Finance. Extra charges were applied for credit life and accidental death insurance ... I asked if the loan was paid out early if I would be penalized. The answer was no and I would get credit for the unused portion of insurance. On XX/XX/18, 5 days later, I called for a payoff. They gave me a total of XXXX. I questioned the amount being so high and asked if I was getting credit for the 2 insurances they added to the loan and was told I was getting credit. I called the insurance company to inquire on what the refund would be and was told that I had to request a cancellation through the loan company and they would reimburse me the money. I called Lenco and asked for a printout that showed a breakdown on how they were calculating the payoff amount and was sent a printout that only showed the amount of XXXX as payoff. No indication of how this amount was calculated. I know it was a high interest loan but I knew I would be paying the loan off early to avoid the high interest charges. I understand that I incurred some fees but do not understand how they calculate that I owed them XXXX for a XXXX loan that I paid off in 5 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN
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 complaint is not a duplicate. There is ftc identity theft report attached to the complaint regarding Helvey & Associates. XXXX XXXX XXXX is willfully reporting a fraudulent items my XXXX, XXXX, and XXXX   report. The account is for XXXX XXXX. The marking of duplicate status by the creditor demonstrates failure to undergo proper investigation and avoidance of the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One blocks third parties from accessing my accounts even with my permission. Capital One would not help me with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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:
Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX XXXX is in accurately reporting a timeshare account as a conventional mortgage. Because of this error my husband and I are unable to secure a traditional mortgage. Please update the account type/category and remarks to reflect that the account is a time-share and NOT a mortgage. 

We tried disputing through the CFPB but was unsuccessful because this company is not listed in their data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We paid cash and closed on XXXX acres of land with closing agent XXXX XXXX at XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX, Suite XXXX, XXXX , TX XXXX on XX/XX/2017. We were guided to this title company by the Listing Agent, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX TX XXXX. 

One month after we closed, we deeded half the property to our son and daughter in law and we each received applications to renew the ag exemption. When I called to tell them there was no such exemption our nightmare began. As the State of Texas Qualifiation Requirements state, " Acreage Requirement : the State of Texas has set a minimum of 5 acres and a maximum of 20. '' The first page of the closing affidavit states there was NO ag exemption. We were not told prior to or during closing that there was an ag exemption on the property We were not given a Tax statement at closing that would have indicated ag exemptions. We were not given the opportunity to negotiate that. Because of the minimum acreage requirement to even have ag exemption it should have been brought to our attention at closing. 

We are being charged over {$4000.00} for rollback taxes that we don't believe we should be charged for. 

XXXX XXXX at XXXX XXXX XXXX doesn't return my calls. We were denied the claim we filed with the XXXX XXXX XXXX. 

With everything that has transpired we had no reason to even question ag exemptions at closing. 

In addition to all the above, all of our closing documents state the property is in XXXX XXXX Texas but we have since found out it is in fact in XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Bank of America has been holding a significant amount of my money since early in XXXX. The amount currently sits at {$97000.00}. 
They blocked access to my accounts and I have not been able to move it since. 
I have a credit balance on one of my credit cards with them and they have not sent me my money. Specifically I have called into their call centers over a dozen times ( likely more ). I even at one point spoke with someone from their executive office who never got back to me and didn't send me my money. 
Regardless of what was said or not said they still have never given me my money. 
I have given my bank information multiple times to various reps ( So that they could send me the money via a wire ) and also confirmed my physical address for the reps that told me they would mail me my check. None of them ever sent me the money. 
In addition to these phone calls I also sent a registered letter on XX/XX/2021 asking for my money to be sent via a check. They have not responded to that letter either. 
I have proof and documentation on all of this and can answer any further questions that you may have. I have included only one of the chats in which someone told me that someone would get back to me about my money back on XXXX and they never did. They also confirm that I did give the information about my bank account so that they could wire me the money. Also enclosed are the closure letters for my BOA accounts that showed up one day without a phone call or anything else from BOA. I have also enclosed the USPS information which includes the receipt for the certified letter along with the tracking information USPS provides you when sending a registered 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 2019-03-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2019 I have sent first letter under " Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the post on a credit report physical verification of the original signed consumer contract -any and all accounts you. '' as it shows on my credit report XXXX XXXX XXXX has NOT complied with FRCA, credit bureaus suggest and closed out investigation, XXXX XXXX NEVER sent any ORIGINAL verification, signed contract nor has any paper work been receive under ( Chapter XXXX, Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATION ) IF this account is verified and IF car has been sold or auction wouldn't the balance be less called " deficiency '' or " deficiency balance. '' Hence balance being reported is inaccurate across all three bureaus. Ever since dispute has been open Santander has added multiple remarks onto my account and has affected my credit score significantly. 

XXXX XXXX XXXX XXXX has NOT been verified and credit bureau keeps putting the information has been updated and complies with FRCA when nothing has been verified. 

XXXX instead of being removed like it shows on my XXXX  report and they have removed it due to NOT being table to verify account account was closed both accounts. XXXX accounts needs to be removed like it has been done on my report for XXXX  I have once again sent letter # 2 to all credit bureaus requesting the same information once more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
During the month of XXXX and XXXX, I requested stop payments on my accounts. I placed a stop payment for a transaction to insurance company to be stopped. Chase charged me the fee but still allowed the transaction to occur. I asked for the transaction to be stopped because I need to get my mortgage paid. I advised I would contact my insurance company and make a different arrangement. I was charged the fee and it still wasn't stopped. Apparently, the next few weeks it was very difficult to try to get a handle on my account to pay my debts, feed my family, and pay Chase. Chase would take my deposits to take care of the negativity on the account, I understand that. Yet, I asked for 3 stop payments on my account on XX/XX/XXXX, it was a Saturday. The rep read me the script and advised I called in enough time to stop the payment. I even asked her to look further electronically in the account, she said nothing was showing. However, when Monday came all three transactions came out of my account. I was furious because this was going to cause major issues in my account. I asked for the fees back since they didn't honor there script or service. The script says as long as I call before XXXX pm the transactions would be stopped. Nothing showed on Friday or Saturday of the transactions pending. Yet, I was told since it was pending to hit my account on Friday, they couldn't stop it. Also, Saturday is not considered a business day. NO ONE SAID THIS ON THE SCRIPT WHEN I ASKED ABOUT THE STOP PAYMENT. As a result of the stop payment not going through, I am negative over XXXX. Chase only wants to pay back there fees. I don't feel I should have to pay the full amount, I have paid XXXX per week faithfully but now they will not extend the account to allow me to pay what I can afford. I only make XXXX a week. They want to send to a collection agency. I feel like I am being bulldozed over by this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax deleted all my positive credit and when I contacted them they said it was nothing they could do about also they put a credit alert on my report. I have called numerous times and they act as if they don't know what I am talking about. Also it is reporting a high utilization when I don't even have any credit????? I am so sick of the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I feel like i have exhausted all efforts with Equifax and XXXX Credit Bureau in trying to have fraudulent accounts and information removed from my credit. It is exactly 6 months today and i have not seen any type of relief what s ever even though i have supplied them with a police report and my social security card and Dl. I originally had 3 unknown social security numbers on my credit and a host of unknown addresses .... that information has since been removed but not the credit and collection accounts 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 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
On XX/XX/XXXX, I submitted disputes to XXXX, XXXX and Transunion regarding inaccurate negative information in my credit reports.These companies chose to disregard the fact that I am not responsible for these negative assessments, despite the fact I included copies of my divorce decree from XX/XX/XXXX that specifies clearly my ex-husband alone is responsible. The negative information relates to XXXX XXXX bank, formerly known as XXXX XXXX XXXX ( XXXX XXXX XXXX  ) {$8000.00} and XXXX with a balance of {$20000.00}. Under the terms of the marriage dissolution, XXXX XXXX alone is responsible for the obligations. He has defaulted and this has negatively and unfairly been applied to my credit history. Furthermore, I have nothing to do with XXXX XXXX 's XXXX XXXX account, yet, this is also in my credit history.

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 2020-08-28
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: Account information incorrect

Complaint:
HARD INQUIRIES : XXXX XXXX XXXX ) 3 ACCOUNTS SHOW THAT THEY ARE CLOSED BUT STILL SHOWS A BALANCE OWED. ( THERE IS NO BALANCE DUE ) EQUIFAX MORTGAGE SERVICES ( NEVER APPLIED FOR A LOAN ) ************************************************************************************** ADDRESS ON CREDIT REPORT : NEVER LIVED THERE : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX NAME ON CREDIT REPORT NOT MY NAME : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have recently submitted a letter to Equifax reporting agency to block the following companies in relation to Fraud. 
Company 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX In reciept of my letter submitted to Equifax on XXXX, the following documents were provided 1 ) Copy of my identity 2 ) Identity theft report filed with FTC 3 ) Fraud affidavit 4 ) Police report A written letter was sent to Equifax requesting that the Credit Reporting Agency comply with section 605 B of the FCRA, which requires them to block the fraudulent information in my credit file from the above mentioned companies resulting from identity theft within four business days. 

On XXXX I was notified by email stating my letter was received and I will be updated within 30 days. I called in to Equifax at XXXX A.M. CST XXXX to clarify that my letter was sent to request to block above creditors for fraud activity on my credit file. Explained that all documents has been submitted. Spoke with customer service rep ( XXXX ),  who informed me that it would take 30 days as well as email indicated. This complaint is to follow up with non compliance of credit reporting agency Equifax for section 605 B of the fair Credit Act.

Company response to consumer: Closed with explanation