BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-22
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 a victim of identity theft and the credit bureaus have not properly investigated my file and have not removed the items I addressed as a result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have disputed multiple inquiries on my credit report with Transunion. Transunion advices that they will not dispute inquiries. This is a violation of the FCRA by furnishing inaccurate information regarding my credit file to potential creditors.

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 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX, payed bill, received a letter from them stating " paid in full letter '' yetthe account still shows in my credit report as opened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've had Discover Credit Card for awhile, at some point I was unable to make payments and account got charged off. Last XXXX ( Friday XXXX, 2019 ) I've called the Discover and offered to pay up my charge off. They agreed and took the payment. After they did it they reported my account as " Written off '' instead Paid in full, I disputed this information pretty much with all major Credit Bureau, and XXXX XXXX and XXXX did not update my account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with fair credit reporting act XXXX XXXX XXXX  account number XXXX has violated my rights. 
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 also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS DISPUTED ARE CLOSED ACCOUNTS THAT HAS BEEN SETTLED. THOSE ACCOUNTS ARE STILL REPORTING DEROGATORY ON MY CREDIT AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT. THE ACCOUNTS HAS BEEN HARMING MY CREDIT TREMENDOUSLY AND HAS BEEN REPORTING DELINQUENTS WHEN IT SHOULD NOT HAVE. THOSE DELINQUENT MARKS DOES NOT REFLECT TRANSACTIONS MADE ON THOSE ACCOUNT.

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 2016-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
You have refused to address the information that shows Bank of America acted in a retaliatory manner when it transferred our loan to XXXX in XXXX XXXX requiring us to make 2 mortgage payments in XX/XX/XXXX ( and taking weeks to resolve ). You have refused to address that Bank of America said we did n't have income to quality for refinancing under HARP. You have refused to address that Bank of America told us we were in default when we were never late on a payment. You have refused to address that Bank of America sent us private information on another borrower. You have refused to address that Bank of America falsely told us we could reapply under HARP when there is no evidence of that. The Ombudsman has never answered our challenge mailed XXXX XXXX XXXX in CFPB XXXX and CFPB XXXX. In short, you do not pay attention to detail and evidence to any extent.

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
Consumer complaint received 2020-04-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, a direct deposit of {$1100.00} was expected to be in my account. I contacted my HR  company ( XXXX to follow up. ) My HR company informed me to allow them 3-5 business days so they can collocate a trace number. 
On XX/XX/XXXX, I again contacted my HR  company and they informed me that the money had been received by CHASE, and they had placed the money in the incorrect account. My HR  company provided me with trace number XXXX. 
On XX/XX/XXXX, After speaking to my HR  company I contacted the bank and provided them with this trace number. The bank representative XXXX, informed me that they needed the incorrect account number to locate the funds. I provided the bank representative with account number XXXX and routing number XXXX, and she informed that she had located the funds. She informed me to wait 2-3 business days for the money to be relocated to my account. I was provided with claim number : XXXX. 
On XX/XX/XXXX, I found that the funds were still not available in my account. I contacted CHASE, and Supervisor XXXX informed me that the individual that I spoke to on XX/XX/XXXX, had lied to me and that they could not locate the money, and they could not assist me with my claim. I later to request to claim number, and spoke to representative XXXX, and he informed me that they had located the funds, but could not reverse the funds to my account, because the funds had been placed in an active account, and a reversal needed to be done though my HR  company. 
At this time my HR  company is unable to help me because the money was received by CHASE, and CHASE is refusing to assist me. I need this money to stay afloat and pay for my rent and lively hood. This is causing me great distress. Thank you advance for your assistance on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: FIRST ADVANTAGE CORPORATION
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A temporary job service named XXXX had a background company called First Advantage run a criminal background check on me. The company found an old charge that should have been expunged based upon the stipulation of my probation and that the charge is XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed two accounts with Equifax which show on my report as still being investigated. It has been far past the 30-45 day investigation period. I have sent two letters via XXXX Certified Mail with Return Receipt and have had no response. The accounts in question below should have been deleted from my report. 

They are now in violation and are continuing to report incorrect information. The accounts in dispute are below. 

XXXX ACCOUNT # XXXX AND XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions 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:
The credit bureaus are not processing my disputes on several accounts. I have submitted several letters requesting validation and method of verification yet I have gotten generic responses regarding these alleged accounts.I have notified the credit bureaus that XXXX 's has falsely reported a payment was made on this account as of XXXX XXXX.This creditor is attempting to re-age this account and I have requested validation on 3 separate occasions and nothing has been changed. 
XXXX FORMERLY XXXX is reporting a balance owed on this account yet no notice of deficiency was ever sent out nor has this account been properly validated as requested. 
XXXX XXXX is reporting late payments that never occured due to the fact that this account has been on forbearance and deferment and is now being serviced by XXXX. In addition, there are several duplicate accounts being reported. 
I believe that the credit bureaus are not accurately reporting several accounts in which I have requested validation as well as method of verification. To this date I have not received any of the proof requested.

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 2020-04-06
Company: VW Credit
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased a car from XXXX  XXXX in XXXX, NC on Saturday XXXX XX/XX/2020. I bought a new 2020 XXXX XXXX which was part of their promotional deal " 2020 XXXX models are available with financing as low as 0 % APR for 72 months and 180 day deferment on first month 's payment*. For highly qualified customers who finance through Volkswagen  Credit. *Offer available for highly qualified customers on new, unused 2020 XXXX models financed by Volkswagen Credit through participating dealers only. Example : For 0 % APR, monthly payment for every {$1000.00} you finance for 72 months is {$13.00}. No down payment required. Other amounts may be due at signing. Not all customers will qualify for credit approval or advertised APR. Limited to two offers per household. May not be combined with certain other offers. Not available on lease offers.We will schedule your first payment exactly 180 days from the date of the contract. Dealer sets actual price. Excludes business customers. Offer ends XX/XX/2020. Offers not valid in XXXX XXXX. See your XXXX dealer for details or, for general product information, call XXXX. 2020 XXXX XXXX XXXX XXXX XXXX ''. Due to the CoronaVirus I opted to have the car delivered to my house. Upon reading the document I could verify that I was paying 0 % interest but could not see the 180 day deferment on the first month payment. 
Therefore, I texted the salesman and received writing confirmation that both condition was part of the deal and so I signed the contract. 

A few days later, I saw online that XXXX was expecting my first payment 45 days after the start of the contract. I contacted the dealership which told me there was nothing they could do as the contract was signed and closed. Also the finance manager said he was not aware I wanted the 180 day deferment and that it was a miscommunication. 

I have never received a copy of my contract with Flow XXXX and this contract is stated to have started on XX/XX/XXXX on the VWcredit website. However I signed it on the XXXX of XXXX. This was done in front of my house where I have a ring camera.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hi, I sent {$470.00} ( included {$10.00} service fee ) to my relative in XXXX through Moneygram on XXXX/XXXX/2015, which makes XXXX XXXX. My relative in XXXX went to collect this money from XXXX of the authorized place and he was informed that it is already collected. I asked Moneygram about who took the money they never answered me with complete detail and put my money into investigation after taking some info regarding the transaction from me. Moneygram told me that it will take 90 days to give me answer. Whne I asked them that tell me from which place moneyis collected and what kind of id had beed taken while releasing money to the collector, provide me that info so that my relative can go there and fond out about the reality. Moneygram refused to give me answer. I sent this money to my realtive and it is not received by him.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently disputed the following information and Equifax 's investigation results did not delete the expired account from my credit file. Equifax is reporting incorrect information on my credit report in reference to an account XXXX. According to the terms of the contract this account went thirty days past due XX/XX/XXXX and was never current from that point forward. XXXX is not disputing this ; please see attachment enclosed. XXXX XXXX is attempting to age the debt through internal reporting practices. Any changes in the terms of the contract must be in writing and I did not consent to any special deferment program that allegedly brought the account current XX/XX/XXXX. I request written documentation changing the terms of the contract. If XXXX XXXX is unable to produce written documentation expressing my consent to changes in the terms of the contract then they must adjust the date of delinquency XX/XX/XXXX. These internal reporting practices are a way to age the debt and are a violation of the Fair Credit Reporting Act. This account went 30 days past due more than seven years ago and exceeds reporting limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: National Business Factors
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
NATIONAL BUSINESS FACTOR submitted an account to all three credit bureaus this morning for collection. Original creditor was XXXX XXXX XXXX, I was a victim of a hit-and-run car accident by a drunk driver last spring. NATIONAL BUSINESS FACTOR said that because I was an out of state client they're not authorized to initiate communication via phone or mail prior to reporting the collection to my credit. When speaking with the supervisor she became hostile, cursing and raising her voice at me saying " WELL YOU KNOW XXXX XXXX WELL COVID19 ... BLAH BLAH BLAH '' ... I stopped listening after this. 

When I asked to speak with the director ( since she was the supervisor ) they just rerouted me to another rep, they also refused to delete the account if I wouldn't pay the interest - I feel that the lack of willingness to get my account settled was retaliation for being unwilling to accept the supervisor being verbally abusive. 

NATIONAL BUSINESS FACTOR SUPERVISOR : XXXX XXXX XXXX THAT CLOSED ACCOUNT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: SC
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:
A XXXX  credit card with a balance of XXXX $ was opened in my named I have filed with federal government XXXX has not responded and to phone call nor will they provide any information 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 2022-09-13
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have reached out on the behalf of the borrower to the last known mortgage holder to obtain a Discharge. They have provided the attached letter stating that they can not help with the Discharge. This mortgage has been paid off. 

I need to obtain a Release/Discharge for the following : Mortgage from XXXX XXXX XXXX XXXX to XXXX  as Nominee for Mortgage Master recorded with XXXX XXXX Registry of Deeds at XXXX, Page XXXX ; as assigned to GMAC Mortgage, XXXX via XXXX recorded with said Deeds in Book XXXX, Page XXXX ; and purportedly discharged by XXXX  via instrument recorded with said Deeds in Book XXXX, Page XXXX. 

Please consider this a request for a Release of Lien from Ocwen  as Servicer for GMAC Mortgage, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Someone is in the process of stealing {$900.00} from my checking account from ACH XXXX XXXX Card. Bank of America told me because the payment is still processing there is nothing they can do until the payment posts to my account. Which is 3 to 5 business days. So my account is over drawn {$350.00} until the payment posts!!!!!! Then I can finally make a claim. They wo n't even start the process until the money is actually stolen instead of stopping it before it is gone. This does n't make any sense to me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-19
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collections company by the name of MEDICAL COMMERCIAL A is reporting incorrect information to XXXX, XXXX and XXXX  I do not have any account nor contract with this said collection agency MEDICAL COMMERCIAL A, nor do I have any account with the original creditor XXXX XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Paypal Holdings, Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I loaded money onto my PayPal PayPal business debit card {$200.00} to be exact it was in XX/XX/2020 PayPal close my account within 10 minutes after I loaded the {$200.00} on there they told me for over a year there was nothing they could do about it until I had the email address so I got the email address and then they told me I have to have the card number well I got the card number and then they said that the account was closed and they furthermore proceeded to talk to me in a very very bad manner and they close all of my accounts and now I cant use them anywhere but they still have my {$200.00} and they have not sent me a check in the mail like they were supposed to

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: West Coast Servicing, Inc.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have made my payments to West Coast Servicing on time and in the correct amount. West Coast Servicing has notified me that the terms of the loan have changed and that I have/had no say in the terms of the loan. The loan is not collateralized and West Coast Servicing has informed me they intend to foreclose. I have contacted them and asked for mitigation of the loan. They have not responded to me other than sending monthly statements which do not explain the charges. I have written to them offer a payoff amount and they have not responded to me. I would like to draw your attention to the fact that West Coast Servicing has not been compliant in the following ways : 1. The servicer must establish or make good faith efforts to establish live contact 2. The servicer must inform the borrower about the availability of loss mitigation options 3. The servicer must assign personnel ( which can be one or more persons ) XXXX to the delinquent borrower, or an authorized agent of the borrower, who will be available via telephone, immediately or in a " timely manner 4. The personnel assigned should be able to respond to the borrower 's inquiries and assist the borrower with available loss mitigation options 5. The servicer must enclose a separate page with the periodic statement or in a separate letter : including the date the borrower became delinquent 6. The servicer must include an account history covering the period since the account was last current or for the last six months, whichever is shorter, and showing for that period the amount past due from each billing cycle and the date on which any payment was credited as fully paid ; 7. If the borrower does provide any information that would be evaluated as part of a loss mitigation application, the provision of the information IS an application. 
8. the servicer must review the loss mitigation application to determine if it is complete. This must be done promptly after receipt of the application. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation