BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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/2022 I reported that both my credit cards with Bank of America ( XXXX and XXXX card ) were hacked and all the money was transferred from them ( {$38000.00} ) to my checking account in XXXX bank ( Which i have filed a complain about recently ) then all my money from my checking account in XXXX bank ( total of {$66000.00}, including the {$38000.00} from bank of America credit cards ) was hacked and transferred to the XXXX XXXXXXXX XXXX  XXXX XXXX to company called XXXX XXXX XXXX XXXX. 

As soon as i realized that I called bank of America and I closed both of my credit cards. BoA did temporarily credit the {$38000.00} until the investigation ends. 

Today the BOA sent me a notification that the investigation has ended and that the bank was not able to get the money back and thus they are asking me to pay the {$38000.00} of scammed money back to them although the credit cards a re secured with FDIC.

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 2021-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After writing in with multiple affidavits of truth and fact, providing claims that support my if any therefore said debt in connection with credit reporting agencies. I am the creditor and executor of my estate. I have no authorized my credit use. under Title 15 credit reporting is in fact " optional ''. I do not consent to having my information sold to third party creditors. 
Now will continue to arbitrate or seek litigation. 5 months of ignoring my request and proof of claim that. the debt does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Astra Business Services
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Repeated calls from XXXX XXXX XXXX, each time I answered the call, they would hang up. After XXXX calls, I called back and discovered it was a collection agency. I asked what debt they were collecting and they said they could not find a debt linked to my phone number. They stated they would remove my number from their database. I checked my credit report multiple times with no debt collection indicated. Two days after the multiple calls, I received another call with a hang up from this number. I called back and they asked if I knew anyone by the name of XXXX or XXXX who could be reached at this number. I told them no and explained the situation from the other day. They continue to call my phone repeatedly during work hours.

Company response to consumer: Closed
Consumer complaint received 2021-09-05
Company: EQUIFAX, INC.
State: VA
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 have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX, FL XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX XXXX XXXX, FL XXXX Address ID # XXXX from my credit report but XXXX  is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. 

attached is my credit report with demonstrating evidence

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 2021-09-05
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern May I please request your assistance in resolving a matter regarding a Hard Inquiry on all three of my personal credit reports that is fraudulent activity not requested by me. The company is known as : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX This is for a charge card this inquiry is scheduled to continue on record until XX/XX/XXXX. My personal statement on all three credit reports clearly states that I am a victim of identity theft and that I am to be personally contacted before any credit report is pulled. Furthermore I have a credit freeze on all three credit bureaus. I never initiated any inquiry of any kind for a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The date shown as the 'date opened ' is incorrect. This date is years after the correct date and impairs my status. I need all incorrect information removed, please. The original creditor was XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: NAVY FEDERAL CREDIT UNION
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have asked repeatedly since 2018 for NFCU to close my account which they refuse to do. Now I am being threatened by XXXX XXXX, XXXX, Membership, with being dunned an inactive fee. They don't seem able to just close my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: AR
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 recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXXXXXX XXXX {$350.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX  XXXX XXXX {$180.00} XXXX XXXXXXXX XXXX {$910.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX {$26000.00} XXXX XXXXXXXX XXXX {$110.00} XXXX  XXXX {$32.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
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: Information belongs to someone else

Complaint:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already  done to my financial future.

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 2022-05-18
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: Information belongs to someone else

Complaint:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX  XXXX negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

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 2021-09-05
Company: General Motors Financial Company, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XXXX of 2019 I traded my leased vehicle in early for a new lease at XXXX XXXX of XXXX, Mo. months later it showed up on mine and my husbands credit scores that we were 2 months late on payments as we had a joint account. We spoke to the manager at XXXX XXXX and all he said was sorry they salesman you had never filed the paperwork to transfer the loan so it looks as though you were late on the payments?! He said he couldnt fix it!!!! This is the only negative thing on my credit in several years, I would like it removed as it inaccurate and I am not personally responsible for it! Also the vehicle we traded the lease in for went through GM as well so they can see the date of return on the previous lease!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to Carrington morgage from XXXX XXXX XXXX in XXXX XXXX. We were already behind on 2 payments before Carrington took over my morgage. We never revived anything from Carrington about the change so I called them myself and explained that I 'm trying to catch up on my payments then couple day 's later I received a welcome packet. Every document had wrong dates going back as far as XXXX!! I have been calling them for weeks now even spoke to several supervisors all say something different. All I wanted was to be put on a repayment plan so I can save my home for my children. One supervisor put me on a payment plan and I made sure I asked is it in the notes so when we call in others will see it? Yes he said. Called in to make a payment and sure enough I got no you ca n't we need two full payments before we can take any payment. Then spoke to another supervisor and they said they can put me on a promise to pay and again asked him about the notes and even explained what happened with the last situation and he reassured me that he notated everything and when I tried to call in tonight to make a payment they wo n't accept again even though I 'm explaining everything to them but now this time they said I need to make a 2 full payments. I 'm 3 months behind ( I 'm still checking into that to make sure it is correct since all dates are wrong on the forms they sent and I made a payment to XXXX XXXX XXXX in XXXX XXXX ) I owe under {$3000.00} and would have it paid off by XXXX XXXX. I 'm not sure how Carrington morgage keeps customer 's they are suppose to help your situation not make it worse. They do n't make you feel like a wanted customer and no one knows you situation I got transferred all over the place and no one bothered to look in the notes but they could see who I spoke with. All I want to do is pay my morgage payments to get caught up and since I 'm new to this company you think they would be more helpful or maybe I 'm not getting to speak with the right person. I just hope this can be resolved soon because coming up soon I will be 4 payments behind almost seems like that 's what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 did not consent to, authorize, nor benefit from the following account. Block and remove it. 
1.XXXX  XXXX XX/XX/2019

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 2022-05-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX TD Bank reported my payment as late due to an error with the representative who applied my mortgage payment to escrow oppose to my monthly mortgage payment. I contacted TD Bank who acknowledged after reviewing my dispute they discovered the error reporting on their end. A letter was sent to me acknowledging the error in XX/XX/XXXX and stated they sent corrected information to the credit reporting agencies. As of today the late inquiry is still on my credit and is causing me issues with getting approval for another mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Currently I have a mortgage account with Chase Bank, and I have inbond account due to loan modification. While ago, I received the escrow account analysis indicates that I have shortage of escrow account. I made XXXX scheduled payments on XX/XX/XXXX and XX/XX/XXXX with amount of {$460.00} and {$460.00} to pay off the shortage of {$920.00} before XX/XX/XXXX since my new payment will start on date. The first installment payment cleared to my bank on XX/XX/XXXX, and second payment did not clear via my personal checking account as today ( XX/XX/XXXX ). I called to Mortgage Customer service hotline to speak with the representative, after talked to him about 28 minutes, he asked me to follow up with my own bank to find out why the payment did not post, I told him it did not make a sense at all since it was scheduled on chase.com and electronically fund withdraw, how did my bank know about this transaction? I asked for his supervisor, after 15 minutes wait, finally got XXXX, Senior Account Specialist to assist me, and she called online support specialist, XXXX to handle over my inquiry, 10 minutes passed, XXXX told me that she was unable to resolve the issue, and transferred my call to another online support staff while she introduced herself and me. The online support staff immediately handled my call to another online support and the last staff I started to discuss then she started to ask me XXXX security questions to be able to identify the who I am, I was transferred from one representative to other representative, and the last security question asking for " from initial opening Mortgage account with Chase XX/XX/XXXX, how much the payment you have made on XXXX mortgage payment with following XXXX options .... '' I told her that I can not remember 10 years ago mortgage payment since I have been changed so many times. If you would ask me how much monthly payment I made last two years, I can tell right away, but 10 years, who had that good memory, and I provided answer to None of above. After I answered that she said based on my answers, she was unable to provide any information regards to the outstanding payment, I asked for speaking to her manager, and I was placed on hold again, and I looked up my phone display it was XXXX minutes passed. I hanged up the phone, and the issue has not resolved by almost 1 hour phone with XXXX transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
on XXXX/XXXX/2013 my wife and I closed a short sale on a condo mortgaged by Chase Bank. Until that time we had faithfully made our mortgage payments including the final payment made on XXXX/XXXX/2013. Recently I changed auto insurance, and was informed that I did not qualify for their lower premium because of a Derogatory late payment status date XXXX. 
Description : '' A payment status of 30 days late ( or worse ) was reported 2 years and 1 month ago. ( This excludes accounts for which the payment history was not reported. ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday XX/XX/XXXX ar XXXX XXXX ET, we did scan via the chase app and deposit a check into our business account with chase for {$5000.00}, since then we didn't receive the amount, when I called chase to check why it is taking so long, they said there is a freeze on account, and the amount. 
When I asked why? They said you tried to cash a check that written to another business into your business account! 
I said but that's what everyone is doing, and there are many banks don't say anything ( XXXX it, because I did before we asked them to send us the check ) We are XXXX XXXX, and we tried to save time! Instead of talking it 10-15 days to get the money, until the other business cashes its check, then they send us new check from their bank, then mail it, then we received it then we deposit it, then add 2 days to get it available. 

Anyway they are now requiring me to come to any bank branch ( I am overseas now, even If I am home with XXXX I am going nowhere ), and they want me to bring the original check business representative, who are in XXXX city within our state ( Texas ), then go to my banker to vouch that we are not a fraud!!! 
Now I opened this business account online! I don't even have personal or designated banker to talk to. 
And the original business representative said we don't have time to come, and do this! Every bank cashes these checks in same day, it's your problem deal with it! 

Chase didn't even said there was a hold on the account! We figure it out by ourself! 
Their only communication with us was we received the check and we are processing it. 

I have been Chase bank customer since XXXX and before with XXXX XXXX they bought, and in just last 2 month I opened 3 business accounts with them, and this is how they treat us? like criminals! 

All I was doing is to try to save time! Because you know how bad the economy is!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The number they are calling from is XXXX ( leave a message to call back at XXXX ) and says her name is XXXX ( with a real thick Jamaican accent and they have left several messages and/or spoke to with not only me, work place of employment, my family and friends. They refuse to state the company they are working for. I have told them to stop calling and told them to send me all the information in writing. They refuse and say they will get an arrest warrant for me. They even called my family member who is a police officer and he explained that he is an officer and that they ca n't arrest for debts. She was so rude and telling him yes they can so he asked to speak to a supervisor and she said there is n't one there but they have a police officer there he could talk too. My family member so ok, he would love to talk to the police officer that was there and she cussed at him and hung up. 

They have also called other family and friends stating they are filing papers through my county and will be arresting me. 
I do n't even know what this is for or about because they refuse to send me anything in writing or give any of their company information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: MONEY SOURCE, INC., THE
State: LA
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:
How in the XXXX do you know how to fix the problem if I cant give you any personal information of who I am does not make any sense at all but anyway the money source reported that the loan was delinquent of {$25000.00} when my loan is in process of loan mitigation because the stupid company let the paperwork sit on the desk and we had to redo it but I was assured of the company that it was being handled and she knows who she is by the name of XXXX at XXXX XXXX, that it was handled, but they still reported us as delinquent I need it off the credit report immediately not only that, they dont need to be in business, But I have been making payments and they know that the right hand doesnt know what the left hand is doing they need to get their XXXX together!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$470.00}

Company response to consumer: Closed with explanation