BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-18
Company: EQUIFAX, 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 am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to : *promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Experian Collections : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EMPLOYER : XXXX XXXX  XXXX XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXXXXXX 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 2019-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
3 months ago, I filed a fraud at Bank of America, they gave me a temporary credit l, then after few months they reverse the temporary credit without notifying me. Thats make my checking account overdrawn, and wasnt able to pay my bills

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 2018-06-08
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased my vehicle in XXXX. Prestige Financial calls, texts and emails simulteously a week before each payment. I faithfully made all payments on time until XXXX when I became ill and fell back on my payments. Thats when the disrespect and threats began. I was yelled at and accused of being irresponsible. I did make payments, but just not as timely as before. In XXXX and XXXX i asked for my pay off amount, and was informed I owe over {$6000.00}. Unbelievable i said that after 7years, I still owe almost {$7000.00} on a XXXX XXXX XXXX XXXX. Ive questioned and disputed with them several times regarding the balance. This company is padding balances. They have finally threatened to reposess a car Ive paid for twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind due to Hurricane Irma and received a " Special Forbearance '' and have submitted packages 5 times to resolve this issue each time we are told we have to submit another package which we do. We were told in XX/XX/XXXX all we had to submit was a pay stub from XX/XX/XXXX before Irma and a recent pay stub along with proof that the work on the work had been completed which we did. We had our authorized third party XXXX XXXX XXXX call in XX/XX/XXXX and no one there remembered what we had discussed. So they said it was " the holidays '' and to call back afterwards. We called on XX/XX/XXXX and we were told that they were still looking into the issue and to call back in a couple of days so they could log those pay stubs and info on the home repairs on the system. We called today XXXX and we were told we could fill out a new package if we wanted to avoid foreclosure. This has been going on for over a year now and we don't want to lose our home, but it is apparent this company does not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Metacorp LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called me several times and also called all my family members to speak to them. The company is out of line in calling family members about a personal matter that DOES NOT have to do with them! The calls have been made several times to all family members and I have no notification about the debt in writing and they are harassing ALL family members by making several calls to them. They have called XXXX, XXXX, XXXX many times. I had to tell family to block their number. Meta Corp LLC out of XXXX, NY practices harassing phone calls. XXXX XXXX is a nasty person and when I spoke to her, I told her she has not right calling my family and she said she did and that she has all rights to try and collect this debt. 

This company practices unethical collection procedures and is verry harassing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Idaho Housing And Finance Association
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Complaint is regarding Idaho Housing, XXXX XXXX relating to incident occurring in XX/XX/XXXX and remains ongoing with no updates to a resolution. 

Preliminary : XXXX XXXX XXXX was moving its business out of state and I needed to find new home owner 's insurance by XX/XX/XXXX. 

I found two homeowner 's insurance companies, XXXX ( XXXX XXXX XXXX ) and XXXX. I opted for XXXX insurance which was finalized through intermediary, XXXX XXXX XXXX company and it was billed to my escrow account with Idaho Housing. Billing amount with XXXX was for {$630.00} in XX/XX/XXXX. 

For another reason XXXX was also processed and billed to escrow for {$1000.00} in XX/XX/XXXX. Another duplicate billing for an amount of {$1000.00} was done in XX/XX/XXXX. I am assuming this is for the same homeowner 's insurance amount for XXXX. 

It is understandable that I should have only {$630.00} and {$1000.00} billed to escrow. The {$1000.00} was reimbursed by XXXX via check, which was deposited into my checking account. I have yet to trasfer the {$1000.00} to my escrow. However, the main inquiring of concern is regarding the other duplicate amount of {$1000.00} dated XX/XX/XXXX, which needs to be reviewed further for additional clarification. 

Additionally, back in XX/XX/XXXX I was terminated from my employer and I attempted to reach out to Idaho Housing for additional assistance for my mortgage. Idaho Housing representatives stated to me that due to my loan being less than one year Idaho Housing could not be of assistance. I also want to make sure that at the time of contact, Idaho Housing was following FHA Servicing Guidelines and Regulations regarding my attempt to explore workout options. 

I was in contact with Idaho Housing call center representatives with no timely success to my problem that has arisen with the company regarding my homeowner 's insurance. 

XXXX and XXXX are not the focus of attention- resolutions were made with both companies. No documentation needs to be shared with XXXX, XXXX XXXX, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 received a copy of my credit report and I notice I have a few accounts that are too old and I want them to be remove from my credit report. Please remove these old accounts from my credit report XXXX  XXXX XXXX XX/XX/XXXX (  12 years ) XXXX XXXX   XXXX XX/XX/XXXX ( 10 Years ) XXXX XXXXXXXX XX/XX/XXXX ( 11 years ) XXXX XXXX XX/XX/XXXX ( 8 years )

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 2021-04-11
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Issue : Receiver has not received the fund transferred via Western Union. The company is not ready to issue a refund neither provide a satisfactory traceback. 

Reference : Tracking number ( XXXX ) : XXXX XXXX XXXX Details : On XX/XX/2021, I transferred USD XXXX, equivalent to XXXX  XXXX to my friend in XXXX through Western Union Money transfer service. 

According to the receipt attached, they had promised to transfer the amount to the receiver on the same day itself. But the receiver has not received it even on this day of filing this complaint ( XX/XX/2021 ) Transaction Information : Western Union provided two options to debit the fund to the receiver 's account. 
Option 1 : Using standard Bank Account details and Routing number Option 2 : Using a code called UPI code When I tried to enter the bank details directly from the receiver 's bank pass book, the form threw an error and didn't accept the bank account number. 

Therefore, I tried choosing the second option - UPI code - which the registration form accepted. Then I proceeded to make the payment of USDXXXX and the same amount got debited from my local XXXX account. 

But the receiver has NOT received the money yet. I filed several complaints with Western Union and they have not given me a proper answer. 

Actions taken : I registered a complaint and was given a case file, but they didn't give me a proper resolution to my complaint. 

They repeatedly claimed that the funds have been transferred to the receiver. 

When I raised the issue several times, Western Union offered to trace back the amount, but and sent me a trace report which is attached. The report DOES NOT provide details of the receiver or the receiver 's bank account. It simply gives an IFSC code, equivalent to a routing number of a different bank than the receiver 's bank. 

I pointed out that the destination bank is incorrect and the receiver 's details are not available, I requested to provide a complete trace back on who received the fund, their account details, date of credit and contact. 

Further, the UPI code of the receiver is hashed out in the receipt and in the traceback report provided by Western Union. This has to be revealed completely to cross check the code with the receiver 's code which I registered with Western Union - XXXX @ XXXX But Western Union refused to assist me any further, neither they wouldn't refund the amount even though it was sent to a different bank incorrectly by Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan from Bank of America ( Account # XXXX ). In XX/XX/2021, I received a notice from my homeowner 's insurance company XXXX, XXXX for renewal of homeowner 's insurance. I did not want to renew it with XXXX, because they wanted to charge me a significant higher premium. I informed Bank of America on XX/XX/2021. Bank of America asked me to upload new insurance information on XXXX/bankofamerica. I uploaded new insurance information on XX/XX/2021 and received a message that Bank of America has received my new insurance policy. Nothing was updated on my loan. I sent them this information at least five time. I faxed them this information. I mailed them this information. I received a message that my insurance with a new company has been noted on my loan and my previous insurance company will not be paid. A couple of weeks later, I received a message from Bank of America that they have paid premium to my previous insurance company also and now I am responsible to recover that money from my previous insurance company. I contacted my previous insurance company. They issued me a check and I sent that check to Bank of American as per their instructions. I kept checking with Bank of America about the status of check sent to them. Now they tell me that they did not receive the check and I need to stop payment and get a new check from previous insurance company. I am being harassed by this bank for their inefficiency. I am 60 years told and I am being asked to fix problems caused by this bank. A similar problem had occurred last year also. I would appreciate if CFPB can intervene on my behalf and ask this bank to fix their problems instead of harassing me.

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 2021-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have sent 2 dispute letters to each bureau, XXXX, XXXX, TRANSUNION. Both have had very little results and am very confused why these reporting agencies arent honoring my identity theft claims. I have sent each letter with proof of ID ( DL, SSN CARD, Utility Bill and FTC 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 2019-06-11
Company: EQUIFAX, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I attempted to dispute two items on my report that are showing as collections. The number of questions required to answer is significant, but I can appreciate the length they go through to protect the PII of the consumer. However, the answers to the questions that I had given were accurate and I was denied the ability to dispute online. Same process over the phone, correctly answered the questions asked and was denied access. 

The creditor finally reported the account as closed but Equifax still shows it as a collection. In addition, they have a reported collection with NO information about the creditor. I've tried to dispute this and have run into brick walls in an effort to get it resolved, in this case I'm just trying to assess who is the original creditor so I can satisfy the debt. Also, Equifax reports medical debt from a collection agency that has been sanctioned by the CFPB and FTC for their practices in collections and reporting. Most of that debt has been in dispute with the hospital and my insurance but the collection agency disagrees. My suspicion is that Equifax has allowed creditors to " re-age '' old debts in order to allow it to stay on my report, which is a violation of the law. 

Each of the three bureaus also offshore all their call centers to XXXX which is a joke considering that they are supposed to protect PII of the consumers and this is a very un-secure way to engage with consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX, account number XXXX was hacked. Chase helped me straighten it out for it only to be hacked again 3 days later. Chase advised it would be easier and safer to open a new account. We did so on XX/XX/20 ( account number XXXX ). At that time, I was told NO more charges were to be put through on XXXX. 
Chase decided to restrict the new account ( XXXX ) and no transactions would go through. A deposit in the amount of {$990.00} was placed into the new account and held by Chase. When they finally released the money, it was {$470.00} short as they claim there were outstanding negative balance on the old account XXXX. There should NOT have been an old balance as at the time of opening the new account, that account was at a zero. Again, I was assured that no new charges would go through. I have a paper from Chase stating that.

I've spent over 30 hours on the phone with Chase, no one wants to listen and no one will help.

I've taken my complaint to the executive offices and they claim to help but, do not return calls when promised and are not much help, at all. 
I'd like my money that Chase should not be holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Heartland payment systems hold my restaurant credit funds over 20 days, heartland never contact me after this happened, until I get on my online business banking account to check my balance, my balance went to negative, I got not enough money to run my business, have a great impact on my spirit and business. one of heartland employee counterfeit signature on my documents, I was uninformed about this, that is not my signature. Also they cancel my service with out my command, until I called heartland customer support to found out. When they do anything, they will not let customers know, that they will arbitrarily change customer information. ( my restaurant name : XXXX XXXX. address : XXXX XXXX XXXX XXXX Ohio XXXX phone number : XXXX merchant ID:XXXX. heartland customer support : XXXX XXXX XXXX and customer service:XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Experian Information Solutions Inc.
State: WV
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:
There is a bunch of hard inquiries that are fraudulent and after going through them only 2-3 are actually legitimately from me. Also in collections many of those accounts were placed on there by ex spouses and I should only have like 2 collections accounts be open and one of them was a medical bill

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I still see the same fraudulent inquiries on my credit report, I even spoken with the companies and they said they put it to remove them but yet failed to do so ..nor has anyone provided me with physical verification of any sort. The following inquiries being disputed are .., XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2018-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
There is a bunch of hard inquiries that are fraudulent and after going through them only 2-3 are actually legitimately from me. Also in collections many of those accounts were placed on there by ex spouses and I should only have like 2 collections accounts be open and one of them was a medical bill

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