BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
They are reporting XXXX Bank acct # XXXX XXXX/XXXX/XXXX as charged off. per attached documents this account was included in bankruptcy. 

they are reporting XXXX acct # XXXX XX/XX/XXXX charged off. 
attached documents show account included in bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with UWM loan # XXXX. I never received the first payment mortgage coupon so I mailed in the first payment coupon received in the loan documents with a paper check. If I sent in an electronic check from online banking I could not attach the payment coupon, then the payment was never cashed so I called the bank and they could not find the loan with the loan number I had, so I called my account representative who told me she gets a list of everyone that's late on a mortgage, if my payment wasn't received I would be on the list. Again XXXX, sent an online banking checking with same account number as they still showed not record when I called in and my XXXX confirmed, if they didn't have the payment it would be on the list. Then late XXXX I receive a call that a payment is late, it's electronic recording and doesn't mention a loan number. I call again and finally now they can find my loan and said they haven't received payment for XXXX or XXXX. I explain to them the situation and they basically tell me they haven't received either payment, finally XX/XX/XXXX after sending in all the proof the XXXX payment was made they Found it and marked it as received but still late. I did everything correctly and they are giving me a 60 day late because of their problems with the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Home Point Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Applied for the ARM XXXX mortgage with HomePoint Financial through XXXX who works with many lenders. I was supposed to close on the mortgage on XX/XX/2022. I had submitted every single requested documentation and I was told by my contact at XXXX everything is good to go. On XX/XX/2022, 2 days before we were supposed to close, XXXX came back saying they didn't have all the documentation and that I did not have the full amount in my checking account that would cover the closing costs. This is absolutely incorrect because I had submitted my transaction history and it showed that I had the money to cover the closing costs. My house as also closing on the same day so my contact at XXXX came and said we need to wait until my house closes and get the money to show that I do have the money for the new house. This process took 1 week to complete. The new owner of my old house charged me {$100.00} per day to stay in my old house until I closed with the new house with XXXX. I had change all my scheduled dates for everything. The movers I hired could not change it until the following Friday, XX/XX/2022. It cost me {$1000.00} total to stay at my old house until I could move into the new house. I hold both HomePoint and XXXX response for the additional undue cost that I had to pay because they did not do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: MD
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 just received a letter in the mail from XXXX XXXX XXXX XXXX advising that they are reporting accurate information on my credit report. But according to their letter and the information on my file clearly shows the violation of FDCPA and FCRA law. Please see attachment. 

XXXX XXXX XXXX XXXX is reporting the date of last payment on XX/XX/2016 which is false information and is adding another year to being reported on my account. This date is when the car was bought at an auction which is no longer my responsibility.

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 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion is still reporting an account wrong on my credit report after I have disputed it multiple times. The account for child support with the AL Dept of Human Resources is wrong on my report. There are several things wrong. The payment history is incomplete and inaccurate. The date of 1st delinquency is inaccurate. The last payment date and the last active date are both inaccurate. ALSO, there is no comment showing that the account was ever in dispute. This is a violation. I disputed the account several times and it is not showing this.

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 2020-03-24
Company: Sequium Asset Solutions, LLC
State: IA
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:
Company called me about an account with XXXX XXXX XXXX. I called them back on XX/XX/XXXX and told them I had written communication from XXXX XXXX XXXX that stated they were not sending my account to a collection agency, I was working directly with XXXX XXXX XXXX on this account, and that I was disputing this debt. They never asked for proof. They never started an investigation into my dispute. They reported my account to the credit reporting agencies without listing it in dispute which is a violation of FCRA 623 ( a ) ( 3 ). 
When I called them on XX/XX/2020, they stated they never started the dispute process or any investigation. Violation of Furnisher Rule 660.4 ( a ) and 660.4 ( e ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
Per my previous complaint with Chrysler Capital, the major part of my complaint was not at a addressed. The company did NOT address my complaint that they reported late payments even though I inquired about and received payment deferral for XXXX and XXXX due to COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: DCN Holdings Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked DCN Holdings, Inc. DBA XXXX do not contact me last week, again Monday, XX/XX/XXXX I was contacted by this agency at XXXX XXXX  I told them to stop harassing me, but again they called at XXXX and I didn't answer. I have listed my phone number on the do not call registry since XX/XX/2011.

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 2020-03-24
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CBE Group is reporting debts on my account that I do owe. I never received any phone calls or any written notice of this debt. I found out of these collections when I checked my credit. I immediately contacting them to verify & pay the debt if it was mine with no luck. They never answer the phone. It has been very stressful and difficult to communicate with them. They are in violation of my 30 day right to dispute, and this collections need to be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX assistance XXXX total, XXXX XXXX XXXX total, XXXX accounts through XXXX XXXX. Please help as this agency is not complying

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Incorrect information on my ccredit report. XXXX XXXX is reported as open with a {$33000.00} balance. This information is incorrect. It should be reported as Closed with a balance of zero. It is correctly reported on my XXXX XXXX credit report correctly as closed and XXXX balance. As discharged on my Chapter # XXXX Bankruptcy dated XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: National Credit Adjusters, LLC
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Last XXXX XXXX at around XXXX in the afternoon i drop by at the Union Bank in XXXX XXXX XXXX XXXX to do deposit of XXXX because i issue a check to my Landlord worth XXXX after a day my Landlord called me and she say, i dont have enought fun so i'lll go back to the bank to check what happen to my monney, i 'm surpriise because the bank is already closed, i 'll go toother bank branch nearby in XXXX XXXX XXXX. XXXX i talk to Vice President XXXX XXXX i said " can you pleased verify the XXXX XXXX XXXX '' he answer i can, because the bank is already closed i give you a call when i verify the camera, after a day he call me and he said i can not see the money i surprised what he said because im sure i deposit XXXX for may cheacking account not XXXX Sir, Ma'am plesse imvestigate this annomaly of this Union Bank im so stress i lost everything to me because of thiis, thanks in advance and may XXXX bless you all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: BBVA FINANCIAL CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had signed up for a site called XXXX, where you could by Bitcoins using your bank account. I stopped monitoring the account because I no longer wished to do business with them. Unbeknownst to me, my data/devices were compromised after using them on an compromised network ( my temporary place of employment has significant security issues ). Through this, someone was able to access my XXXX account, initiate thousands of dollars of purchases ( initially in small amounts, then larger ) and send the money out from the account without any additional verification being asked for by the provider of the service. 

I advised my bank, Simple.com ( attached to XXXX XXXX ), of this. I owned up to the initial few orders I placed with XXXX, knowing that this makes the proceedings more complex. They researched it and denied my claim, citing XXXX initially saying all the transactions came from the same single IP. I pushed them for details and documentation, but they provided nothing other than the notes of a phone call. They said they 'd research it again. The results of the research led to another denial that hinged, again, on the very same notes of a phone call with no real documentary evidence. 

They said that, since I authorized their use of my account for ACH withdrawals and never explicitly removed that authorization, that they had no ability to dispute the charges despite my indicating that I never authorized them. They sent me to the provider to argue my case for them to refund me, which I will report in a separate claim, but knew would n't be fruitful. 

Everything I 've found online suggests that even ACH withdrawals that are in dispute from a previously authorized third party are to be fully disputable. Simple says that is not the case. I asked them to provide their published ACH dispute policy and they said they did n't have one. I asked them why they do n't publish their policy when it differs from common practice ( like what the XXXX notes ) and was then told I 'd need to send all further correspondence through postal mail, as my account was closed ( they closed it because they acknowledged my account information was compromised, even when they said none of the charges are disputable or even appeared to be fraudulent ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Due to natural disaster in the state of Texas, my closing on refinance was delayed from XX/XX/2021 to XX/XX/2021( see attached letter ). I called and notified Freedom mortgage of the delay and they said the payoff would remain in good standing.

Loan was paid in full on XX/XX/2021 per Freedom mortgage and closed as ofXX/XX/2021 ( see attached documentation ) yet they debited my escrow account on XX/XX/21 for mortgage insurance. Are they allowed to do that after the loan is closed?

I tried contacting Freedom mortgage by secure message ( no response ) on XX/XX/2021. When I called on XX/XX/2021, she said there was nothing she could do ( customer service ) and that she would put a note in the record to have the money refunded. It was not. I am requesting a refund since I have a new lender as of XX/XX/2021 for this home.

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 2016-02-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My student loans are suppose to show closed on all credit reporting companies. I have contacted XXXX XXXX and Equifax who also controls XXXX XXXX etc. about this several times now and the information is not changed. I have in front of me written proof from XXXX, the USA Dept. of Education as well as XXXX XXXX, a collection agency that works with the Dept of Education that my loans are suppose to show closed as I am under the XXXX umbrella. I am not able to upload the supporting documents but can easily mail copies from the government agencies above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: JPMORGAN CHASE & CO.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited some checks for the amounts of {$2400.00} and {$4800.00} on XX/XX/2022 and after several days at the Chase bank, they sent me a letter saying that my account had been frozen because they could not verify the checks. the checks are from the same company and have information showing where the checks came from. I called and spent about 20 minutes trying to fix the problem. I went to the bank twice, lasting more than an hour on each visit, giving them a phone number to verify the checks, but they can not verify it because the phone numbers are not there. registered in your system. I went to the XXXX XXXX offices and they confirmed that Chase Bank has the funds with them and that they don't understand why they don't deposit it to my account. I called the bank with the XXXX XXXX representative and they didn't want to talk to her because they have to call her but when they were given the number they told me they couldn't call her because once again the number is not registered. The numbers on the pictures shows how many a search and called trying to verify these checks. I haven't been able to make some of my monthly payments because I haven't even received the remaining money in my account when it was closed. This situation will also affect my tenants because I have to start an eviction process for non-payment since the checks are from the rent relief program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: UT
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:
Experian will not answer the phone or will not route it. 

They sent me out an information form and didn't respond to my request to show that the XXXX  loan WAS PAID off and the XXXX  loan said GOOD STANDING. 

There are many remarks online about getting a number to actually contact Experian. 

They try to sell me stuff EVERY DAY, but can't take the time to delete this loan, and in good standing.

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 2017-03-05
Company: Alorica Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This listed debt originated as a dispute between my health insurance and XXXX hospital. However, GLOBALRECEIV collection agency is in direct violation of The Fair Credit Reporting Act ( FCRA ) which limits how long a credit reporting agency can report negative items in your credit report, this debt is over 10 years old. The collection agencies keep selling the debt to each other and placing it on my credit report even though I keep advising the foregoing and that under the FCRA the clock does not start ticking again each time the account is sold to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent out all that was required of me by XXXX and Experian, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX 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 non-monetary relief
Consumer complaint received 2021-03-15
Company: Square Inc
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 my account XXXX XXXX which was associated with my Cash App application was stolen with several transactions of {$100.00} totaling {$1100.00} which as of today I have not received any answer or solution. 

They hacked my account, changing my username to somebody else 's and stole all the money I had saved in my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: A-L FINANCIAL CORP
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: Investigation took more than 30 days

Complaint:
I am disputing the account XXXX XXXX XXXX account # XXXX the collection agency has re-aged this account according to the original creditor A-L Financial Account # XXXX consumer disclosure file date of first delinquency XXXXOn record until XXXX XXXX XXXX XXXX is reporting 3XX/XX/XXXX On record until XXXX on my credit report. 

Under FCRA Section 609 ( a ) ( 1 ). this is a violation I have attached a copy of my supporting documentation report with the account in question circled. Thank you for your assistance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX / XXXX / 2017 , I received an alert indicating that there had been changes to my credit report. I logged into my credit tracking account and found that this company by the name o f Deville Asset Management had   placed an alleged account on my credit reports. I have never heard of this company prior to  XXXX / XXXX / 2017 . On that same day,  XXXX / XXXX / 2017 , I filed a BBB complaint, the company responded, and I sent an official letter of dispute around  XXXX / XXXX / 2017  which  Deville Asset Management s igned for on  XXXX / XXXX / 2017 .     Sometime in  XXXX /2017, I received communication from  Deville Asset Management which poi nts to this account being time barred and null and void as they did not provide proof of the legitimacy of this alleged account. Around  XXXX / XXXX / 2017 , I again responded  to Deville Asset advising  them of the fact that they did not include proof that this account is valid and requested that they have this alleged account removed from my credit reports immediately.  Deville Asset Management signe d for this letter on  XXXX / XXXX / 2017 , and up to now this time barred, null and void account is still on my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation