BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2018 Bank of America closed my account and refused to release my funds to me. Several supervisors promised the funds would be available the next day however that never happened. I have approx {$500.00} in the account and I have electric bills, child care expenses. To this day BOA will not release my funds and I am subjected to electric shut off and other defaulted 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 2018-11-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Have contacted all 3 major credit bureaus via phone and letters to challenge accounts that are not reporting to my credit report correctly either these are not my account or information is invalid either way they need to be removed and blocked. I received a letter indicating refusal of removal for the following accounts that need to be removed immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy, XXXX  and Chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom this may concern, There are inconsistencies on my credit report from debt collector XXXX XXXX XXXX The follow XXXX is showing account as open while XXXX & Experian are showing account closed. This does not meet Fcra requirements as stated in transunion remarks & they are inaccurate.

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 2017-11-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have asked Experian to remove the incorrect public record listed on my credit file and they 've yet to provide me with adequate validation of this filing listed against me. 

I am asking that Experian follow suit and delete this public record from my credit file, as another credit reporting agency, XXXX, has found that this information was indeed inaccurate and has since removed the delinquency from my file with them. 

I have proof to submit showing that XXXX has found a discrepancy in this delinquency and has no longer reported this bankruptcy on my credit file with their company. I am asking that Experian either submit proof of their VALIDATION ( not verification ) of this bankruptcy or remove it from my credit file as it has caused me extreme emotional and financial distress.

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 2018-11-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Monies were removed out of my account without my authorization. Went into the branch and signed insurance check and was told upon endorsing the check the funds would be release in two installments. 

Still no resolution after 7 months. I am constantly getting the runarounds which is very frustrating and I have been overly patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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 information incorrect

Complaint:
The disputed account is XXXX , XXXX. XXXX ACCT. NO.XXXX.A default judgment is appearing as a collection account on XXXX, TRANSUNION AND XXXX.It is appearing as a collection perhaps to avoid properly displaying as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted in recent years.In addition, the DATE OF 1ST DELINQUENCY has been re-aged, another FCRA clear violation.The DOFD coincides with the date of judgment entered ( attached court record ) which is impossible considering the nature of the debt, ie : back rent.The delinquency of the debt was many months prior to the stated DOFD.All 3 bureaus, following numerous disputes permit a false, re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT creating a loophole for the ACCURACY AND COMPLETENESS of reporting demanded by the FCRA

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 2018-02-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Experian it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT of, but I have spoken with XXXX XXXX, and they have told me this is false that they have not received a thing, also I have this in writing from final.

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 2018-11-15
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was making payments recently with XXXX XXXX, they were NOT reporting any of my payments that I were making every month to the credit bureaus but then when I missed one payment XXXX XXXX reported me to all 3 credit bureaus and they DID NOT CONTACT me by mail to notify me first before reporting it to collections. I had nothing in collections before at this time but now Im in collections because of this company and I feel I deserved a phone call or a letter in the mail to notify me to make me aware the account was threatening collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: AMERICAN EXPRESS COMPANY
State: PA
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 rewards from credit card

Complaint:
I have been an American Express customer for more than 5 years, frequently using their cards and amassing membership reward points. I went to use the points today that I have used over the years and was unable to. They are " reviewing '' my account, but are unable to tell me when the review started, what triggered the review, or when I would be hearing back regarding the review. Furthermore, I was not contacted about this review - only my own attempts to use the points demonstrated the review implemented. 

I have {$4000.00} in points being held hostage with no explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was charged {$500.00} for an external only appraisal by Rocket Mortgage. I have asked them to provide something to show that this amount is correct as it seems excessive and unreasonable for an external only appraisal. They have ignored my various emails and have not assisted in validating this charge at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Arete Financial Group
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Third party stated on XX/XX/XXXX XXXX XXXX XXXX was at {$22000.00} and they would manage to bring it down to {$8000.00} as long as I payed a {$4000.00} entry fee and agree to pay a monthly fee that is do to change depending on my yearly income for 10 years. I agreed and went on paying for 2 years a monthly service fee of {$39.00}. Coming to the third year of renewal they stopped pulling money out of my student bank account on XX/XX/XXXX I called and they wouldnt answer I decided to check my email to see if they notified me of company change but instead read an email stating Arete financial freedom was being sued. I proceeded to call XXXX XXXX they stated my account was being stopped every year since XXXX and that it was a fraud. They advised me to put a complaint and enter their program of repayment.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB I submitted a short sale to my lender which they informed me if sent 14 days before the foreclosure sale date, they would review but there are telling me now they can not review. Attached is my fax confirmation with proof of my short sale submission

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 2018-11-15
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I needed to have my loan payment recalculated because of changes to my income. I explained to the customer service rep that I did not want any interruption in making qualifying monthly payments towards PSLF. They said if I had my paperwork in on time ( XXXX ), I would not see an interruption. I did this. The same day, I received a notice that my loan had gone into forbearance. This surprised me because I had not asked for a forbearance and had explicitly asked about making sure I was making monthly qualifying repayments. I called the next day XXXX and requested the forbearance be removed. I was told it would be removed as of yesterday XX/XX/XXXX. It was not. Today XX/XX/XXXX I called and was told it would take 2 weeks. They directed my call to someone who took no responsibility for the inaccurate information and was not able to make any changes to keep up with the commitments that customer service reps had repeatedly made to me. They did not even make an empty promise to follow up with those reps to ensure they give other customers accurate information. 

As a result of this misinformation, a routine request for repayment recalculation has resulted in a month delay for when I will be able to file for PSLF. The final person I spoke to said I should consider it a privilege to work in public service and was minimizing the impact this had on me. 

I'm happy to provide my account number or any other details that would be helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: TRANSWORLD SYSTEMS INC
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX is trying to file motions in the XXXX County Circuit Court against me and my co-signer for this loan. They have filed misleading and false documents to put this in the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/2010 i allegedly co-signed a vehicle and the financing was By Santander Consumer Usa. This car was a lemon but because it was used the lemon law could not be enacted. The bank charged {$37000.00} on a {$15000.00} so XXXX of these dollars were interest. Predatory lending!! They never sent a final bill nor did they give the option to buy this car at auction. This car was not worth {$37000.00} and when they sold it at auction and after receiving payment on this they state a balance of {$16000.00} is owed.. I'm disputing the validity of this account because i have no knowledge of the alleged account and would like the original signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX I wrote to XXXX, Equifax, & XXXX in regards to them saying I owe XXXX XXXX XXXX {$480.00} & $ XXXX.Also, I wrote Equifax about XXXX XXXX stating I owe them {$18.00} being reported inaccurate as well on my credit the same days for the XXXX XXXX XXXX. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XXXX XXXX I received a itemized bill instead of evidence bearing my signature. So on XX/XX/XXXX I wrote XXXX, Equifax, & XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/XXXX they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. An to my surprise I see several inaccurate inquiries reporting on my credit report file from XXXX from XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX  XXXX XXXX XX/XX/XXXX. I inform them I dont recall these companies authorizing to pull my credit file. Because its making it very hard for me to acquire credit. Equifax as well with unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. XXXX also XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I would like all this inaccurate information removed immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: TN
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:
Have attempted twice online via Experian 's site to get items removed from my credit report that should no longer be reporting. I included the additional documentation attached however it seems Experian has no record of my dispute. My attached credit Report Number XXXX states that trade lines XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are on record until XX/XX/XXXX. These tradelines are still reported as of XX/XX/XXXX which is past the FCRA statute of limitations. See attached screenshots which hilghlight the tradeline " On Record Until '' date. Please remove these tradelines immediately. In addition Experian stated my dispute of my Affirm account status of account XXXX was confirmed correct ; however this is impossible as the account has been paid off since XX/XX/XXXX. I seems that Experian is not truly investigating credit report disputes or Affirm is not properly reporting ; both of which is a violation of the Fair Credit Reporting Act.

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 2020-02-04
Company: Allied Collection Service, Inc. (Indiana)
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/XXXX XXXX XXXX Hospital ( XXXX ) sent me a letter saying that I had been accepted for financial assistance at 100 % for medical debt through them. They had sent my debt to Allied Collections in XXXX ( legal extortion ) in or around XX/XX/XXXX. They tried extorting me for half the year but were unhappy because Im XXXX and therefore extortion proof. They wouldnt even verify the debt for me ( see attached ). 

I notified them of the decision by XXXX and Im sure XXXX did also. In XX/XX/XXXX I noticed they are still reporting the debt and even added more to my XXXX  credit report. Its my opinion they did this because of a letter I sent them telling them what I think of them and that I would file bankruptcy before I paid them. ( See attached ) Because of their failure to do the right thing I and my family have to suffer because of this deliberate act! 
I want this deleted and them fined for it. I want it deleted immediately and I will not accept their blaming XXXX or XXXX  ( not having control over when they delete because I know all they have to do is contact them and have it done.

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 2018-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Attached please find my follow up complaint against Transunion with regard to obtaining my credit report & regaining access to it online. 

TU states theyve mailed my credit report on 2 separate ( maybe 3 occasions ) but I have NOT received a single copy or ANY communication from them via US Mail or email. 

Im going to assume since this company cant seem to get their act together their statement that they mailed it to my address on file means that they mailed it straight to the identity thief on XXXX XXXX and NOT to me in XXXX XXXX, IN. I have no other alternative than to assume since I CANT GET INTO MY CREDIT FILE ONLINE NOR CAN I SEEM TO GET MY REPORT BY MAIL. 

WTH- would I say I havent received it and spend all this time with complaints, etc if I had!?! I want to fix this issue but it would seem I cant until Transunion fixes theirs! 

I am so BEYOND irritated ... .Im like 3 seconds away from getting an attorney and then suing them for the costs of doing so. 

SEND MY XXXX CREDIT REPORT to the address that I provided to you via mail along with my 2 forms of identification OVER A MONTH AGO!

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 2018-11-15
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: Account information incorrect

Complaint:
I paid off my credit card balance of {$440.00} to XXXX XXXX XXXX  on the date of XX/XX/2018. XXXX XXXX mention my credit report will be updated in 30 Days. 30 Days later all three of my credit reports states a balance of {$440.00} from XXXX XXXX. I disputed the balance through Transunion, XXXX, XXXX. XXXX XXXX responded to XXXX, XXXX, Transunion saying balance of {$440.00} is correct no change was made on Credit Reports. I HAVE DISPUTED ISSUE 4 TIMES with Credit Bureaus. I am receiving correct balance of {$440.00} on credit reports. I disputed with all three credit bureaus. I am looking to sue XXXX XXXX this issue have kept me from receiving home loan and other offers.

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 2018-11-15
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
From my XXXX XXXX profile I saw that I had an outstanding debt for a company by the name of Caine & Weiner in the amount of {$350.00}. I sent them a request for debt validation letter on XX/XX/2018, it was delivered via XXXX on XX/XX/2018. Caine & Weiner failed to respond to my request for information within 30 days therefore I assumed the  debt was not valid. I sent them a request to have the item removed from my credit on XX/XX/2018. Caine & Weiner instead sent me a bill with none of the information previously requested in my debt validation letter and they have not sent me anything stating that they will be removing this item from my credit. The debt collector did not comply with FDCPA 15 USC 1692g Sec. 809 ( b ).

Company response to consumer: Closed with explanation