BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a complaint stating for removal of a XXXX and XXXX bankruptcy that was reporting on my account. I sent a copy of the letter from the bankruptcy court stating that they do not report to credit bureaus and therefore wanted the bankruptcies removed. Equifax responded and updated the credit reports to the two bankruptcies being discharged as a chapter XXXX. They also stated this was verified through a third-party called XXXX XXXX. This is false and Equifax did not verify anything with XXXX XXXX. If it would have been verified, it would not have been updated with inaccurate and even more damaging information. There is no way legally, I could have filed and had two bankruptcies discharged through Chapter XXXX as they indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the Dismissal of our Bankruptcy, our Mortgage was with XXXX. They moved our loan to Sertiviced Loan Servicing.  This is when our trouble started. The company fails, over and over to answer our questions. If they write us, is just with a letter that is not applicable to our concerns. Our mortgage payments have been made on time. They have made arrangements that we are paying for without our approval. The amount owed, seems to go up instead of down. They claimed our escrow account was behind over {$3000.00}. Our escrow comes from the monthly payments. We have a 4.5 % account. We pay {$1100.00} and then when we had the problems with the escrow, they reduced the payments to {$1000.00} Does that make sense? On XX/XX/2018 the outstanding principal was {$180000.00} Now the amount owed to be able to refinance with a better, reputable company is {$200000.00} plus. No explanation given. Why a company that seems to do everything illegal to scam the consumers has not been fined, made to do something with the outstanding accounts, etc. They get away with anything, but nobody stands to help us consumers who are seniors, living on retirement as well as our young generation that keeps fighting with no solution, just like we are talking to the Wall.

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 2021-05-04
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:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TD Bank has charged me a {$25.00} maintenance fee every monthly billing cycle since XX/XX/XXXX through XX/XX/XXXX. By my calculation this is {$300.00}. When I opened my account with XXXX XXXX ( which was acquired by TD Bank ),  approximately 15 years ago there was no minimum balance requirement. I asked for the {$300.00} to be refunded, TD Bank replied that I needed to look at my account sign up agreement ( from 15 years ago ). They credited my account {$50.00}, so I am still missing {$250.00}. I believe TD Bank wrongly charged me low balance maintenance fees that were counter to my agreement with them. I would like the bank to refund the balance of the fees that they have charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a chase sapphire reserve credit card but CHASE said that they couldn't verify my Social Security and my information, but they could create a hard inquiry, so I think there was an error in their system. I called them and I said, why couldn't you verify my Social Security when you could create a hard inquiry and they respond sorry we couldn't get your information. So please I want to remove the hard inquiry because this is affecting my credit score. 

CHASE CARD XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: TD BANK US HOLDING COMPANY
State: SC
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: Didn't receive services that were advertised

Complaint:
Im an XXXX XXXX owner and did received a fraudulent email which was pretend to be XXXX but what a scam. 
I did submit all information such as social security number, current address, maiden name date of birth, and full name. 
Also a credit card information, number and security number, although I did contact my bank and block credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Resurgent Capital Services L.P.
State: DC
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:
LVNV Funding is a debt collector. In XX/XX/2020 reported a debt on my credit report, the delinquency appeared on all three credit reports. I learned that LVNV funding was attempted to collect a debt on behalf of XXXX XXXX XXXX  for a credit card account that was closed by the grantor as the result of fraud -- that is, the account was opened by a person who used my identifying information without my knowledge or consent. Because the account was fraudulently opened and did not belong to me, LVNV funding can not maintain I am responsible for this account. I requested this removal and they refuse to send me the paperwork to dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I Called Grant & Weber on XX/XX/2018, to setup payments, collector said that the debt is too old they will only accept payment in full or payment in two installments. Advised I can't afford to pay {$1500.00} twice. Said they won't take anything less and if I don't pay it'll adversely affect my credit and they will continue to report that I'm not paying. They suggested I use my tax refund to take care of this. When I advised them I pay taxes and do not get refund the collector said " you pay taxes but you can only afford {$100.00} per month! '' They treated me horribly when I reached out to them in an attempt to pay!

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 2020-05-17
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: Old information reappears or never goes away

Complaint:
I disputed this account XXXX XXXX  back on XXXX and XXXX of this year. This item was deleted but now it has been reinserted on my credit file. This is a major violation because this account is not mine and it has been reinserted on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Bridgecrest Acceptance Corporation
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I NEVER received any documentation from XXXX/Bridgecrest stating that the car was facing repossession. I made a payment on XX/XX/2017. When I woke up the morning of XX/XX/2017 the vehicle was gone. I have NOT received ANY documentation from XXXX/Bridgecrest about their plans to sell the car. I have NOT received ANY information that they have disposed of the vehicle. The ONLY communication/documents I received from XXXX/Bridgecrest was a redemption and reinstatement form back in XX/XX/2017 dated XX/XX/2017. And it stated to redeem the vehicle to pay {$14000.00} and to reinstate pay {$2300.00}. They have placed this debt on my credit reports for XXXX without following the proper federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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/2018 I purchased a brand new XXXX from XXXX using my Bank of America credit card for a total of {$590.00}. The item number on XXXX is XXXX. The XXXX transaction ID is XXXX. On the listing the seller stated to have had the phone fully paid off as well as having a clean IMEI number. The phone was received brand new and functioned properly for 2 months. The phone stopped functioning in XX/XX/2018 because XXXX blocked the phone from having cell phone service. I contacted XXXX and they told me that the phone had been blocked due to the phone not being paid off. I reached out to XXXX/XXXX  immediately and submitted a dispute. I received a response a few days later after they completed their review and they said the case was not decided in my favor. They stated that the " seller had sufficiently described the merchandise ''. I submitted proof from XXXX to them that the phone is not functioning because it is not paid off. I then submitted a complaint to Bank of America credit card to dispute the transaction. After this I submitted substantial proof to show that the transaction was fraudulent. Bank of America responded and said that my money would not be reimbursed. 
Clearly, their decision is erroneous and this transaction was fraudulent. The phone is completely non functional and it's not for any reason of my own. I submitted disputes as timely as I possibly could considering the fact that the phone being non functional was completely outside of my control. There's no way that I could have known that the phone was not going to work at any point in time because it's failure to operate is the result of the seller 's misleading information and fraud about the phone 's being fully paid off. I am requesting a reimbursement of my purchase in the amount of {$590.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
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:
Good afternoon, I have been submitting over 20 dispute letters in the past two years to experience. Not once were they able to comply with the regulations and remove the falsely reported XXXX  XXXX XXXX account on my credit. I have attached every response letter I was able to find where you can clearly see that not once were they removing this account. I have been extremely patient and follow the regulations of the 609 law that protects my rights. However Experian failed over two years to remove a single account. This is why I refuse To communicate with experience in order to resolve the issue and have been addressing CFDP in order to assist me with this matter. If you need any additional information please let me know. 



This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 30 days allowed. 

As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 

Account # 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 2018-12-31
Company: Jon Barry and Associates, 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: Account information incorrect

Complaint:
XXXX XXXX # XXXX {$720.00} I challenge the accuracy, compliance and reportability of this listing. There is no valid claim ... account was settled with original creditor ( Debt can not be collected twice ) ... grave errorfalse  claimsand reportingI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have had problems creating a myequifax.com account. I have submitted multiple complaints regarding this issue. Equifax still has not addressed the issue. Instead, Equifax claims that I complained about inaccurate information on my Equifax credit report. This is untrue. I have not complained about inaccurate information on my Equifax credit report. 

Now, when I contact Equifax, Equifax requires that I supply the information regarding the " inaccurate information '' on my credit report before anyone will talk with me about my credit file. Since I never made a complaint regarding inaccurate information on my credit file it is impossible for me to provide this information. Thus, Equifax has made it impossible for me to access my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a Mercedes benz XXXX convertible. The convertible top got damaged and my insurance is will to pay XXXX $ to get it replaced. The only problem is the part is on back order.

It has been more than a month. Mercedes dont have ETA. They are not able to give me ETA. They dont wan na give me a new car. They dont wan na stop my payments.

Simply I am paying for a car that is not in my possession with no promises when they get it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having serious frustration with the delay in payment posting from Bank of America Home Mortgage. The problem started XX/XX/XXXX with the implementation of a " new system ''.

Since then, I have experienced the

following problems : 1. Serious delay and wait times in customer service, as well as non-responsiveness in the resolution of issues. 2. Payments made have not been posted to my mortgage account on a timely manner. 3. Confusing information as to the status of my mo
rtgage payments and principal balance remaining. 

For example, I made a principal payment on XX/XX/2020. To date, the amount has been deducted from my checking account but has not posted to my mortgage account. It sits as a credit without resolution. In fact, all subsequent payments have not been posted since. There are no explanations on the website as to delays. When I call in to inquire, the wait time is >60 mins and depending on the agent, one gets different responses. The first time I called in, a ticket was opened and the agent indicated that the problem will be resolved in " 2-3 business days '', without explanation of why it didn't post. When nothing occurred within that time frame, I called again ( waited >60 mins ) and was told by another agent that the resolution time is " 5 days '', again no explanation of why the time frame changed but offered to escalate the situation. The third time I called, the new answer was now " 15 business days '' but strangely indicated that nothing was escalated yet. The pattern is quite apparent.

At this moment, I made payments to my account but no money has reflected on my account as a debt satisfied pursuant to my payment timeline. It feels fraudulent and Bank of America Home Mortgage either does not know that a problem exists ( no notice to the consumer regarding delays ), or knows but purposefully is not fixing the matter in hopes that it gains from the extra interest it can charge from a delay in posting my payments.

I am requesting that the money paid get posted to my account as a payment immediately without further delay and without accruing any additional interest. The payment should be reflected as of the date it was made. It has been three weeks and no notification that the issue is being resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation