BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-21
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: Account information incorrect

Complaint:
My name is XXXX XXXX XXXX. I am filing a complaint I have an account that is showing me at 30-60 days late and at the time my income was affected by the Pandemic cutbacks. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. This late pay has seriously HURT my score and stoping me from closing on a loan that I need for my home. I am asking for a onetime forgiveness for the Late pay to be removed so I can move forward with my Loan.

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 2022-06-21
Company: Concentric Receivables Management, Ltd.
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Home Equity Line of Credit on XX/XX/2022 with Bank of America ( BOA ), and the process has been very draining, I was told the process usually takes XXXX weeks ; however, we are now in XXXX and still going through the process. I was asked for several documents including Tax returns, home information, and financial documents which I submitted ; however, they would come back and ask for additional information. This file was supposed to be completed in XXXX to lock in the interest rate that was agreed upon in the beginning ; however, that date was missed because they needed additional documentation. I sent the documentation and everything was sent to underwriting, however, they then informed me there was a Lien on my property due to a home assistance loan I received when I first purchased the property. At first, they couldn't tell me who the lien was from and I had to go and search and find out how to get it taken off, after numerous inconsistencies I finally found out how to get the lien taken care of. BOA finally told me two weeks ago that my loan was taking too long and that they would have to close the file until this was taken care of. I'm in the middle of having to get this done ; however, all of this information should have been checked and provided to me in the beginning. Now they are saying they will need to restart the process and I won't be able to get the interest rate originally discussed.

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 2020-04-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX  continues to lag behind in reporting updated and/or accurate information regarding my auto loan. Currently, the balance is listed as {$17000.00}, nearly {$7000.00} more than the actual balance. This lag is artificially lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion had an error in your system in which they deleted a bunch of inquiries from consumer credit reports. Then about a week later TransUnion reinserting those inquiries back on to the reports yet didnt go through the proper procedure to legally do so. Section 611 of the fair credit reporting act states that anything deleted from my credit report and then reinstated needs to be made aware of the consumer. I needed a 5 day notification, which tends to be a letter in the mail ( something I did not receive ), after those items were reinserted. I was a victim of this illegal inquiry issue and have been back and fourth with customer service reporting fraud on my account in an attempt to have it properly resolved. They have done nothing thus far, so I am reporting this to Consumer Financial in hopes to get it properly resolved once and for all.

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 2018-03-13
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was sold on XX/XX/XXXX to Roundpoint Mortgage There was a overage in the escrow account. I placed a forwarding address with the USPS prior to XX/XX/XXXX and also gave Roundpoint mortgage my new address. 

They stated the overage check was returned on XX/XX/XXXX. Which I was not informed of till XX/XX/XXXX. 

They will not let me speak with anyone in the escrow department. And stated they can not find the returned check. They stated it will take another 10 days yo stop payment and reissue another check. I am currently unemployed and need the monies owed me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple letters in the mail from Resurgent Capital starting back in XXXX of XXXX and most recently in XXXX of XXXX. Resurgent is trying to collect on a credit card debt from XXXX XXXX in the amount of {$2000.00}. 

The address associated with this credit card is an address in which I have never lived. While the name on the account is the same as mine, it is a very common name to my state. The debt has never shown on my credit report, and upon calling the credit card company to inquire about the debt, the representative did not have evidence of the account number under my name and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: REGIONS FINANCIAL CORPORATION
State: IN
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2023 I purchased a small amount of fireworks from a temporary store located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Indiana. The clerk verbally told me the total of {$35.00} and I paid and we left ( no receipt given ). On XX/XX/2023, I checked my bank account and saw the charge was for {$350.00}. I immediately drove the the store, but it had already closed up shop since the holiday had passed. I took a picture of the permit posted on the door, with a registration to VIP Fireworks and XXXX XXXX. I attempted that day to call the phone number associated with the store on XXXX, but no one answered. I immediately called the bank, Regions Bank to dispute the charge and filed a dispute with them. I received a denied dispute notification via mail on XX/XX/2023 that I needed to provide proof that I was entitled a refund. I have attempted to reach XXXX XXXX via email, social and even wrote letters to the addresses I had the ability to find for him, but my access to contact information for this individual is limited. I have been overcharged {$320.00}.

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 2022-07-27
Company: ZuntaFi Corp
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out a student loan in 2007. 

I asked Zuntafi to produce all contracts, terms, and conditions associated with my student loan, which they continue to sell off to many new entities. Today, I received yet another email saying they sold my loan. Despite this, I have not been given my loan agreement, and all terms, contracts, and conditions for my student loan. I've asked NUMEROUS times in writing to be given such information. Finally, I was given an illegible blurred copy with many writings all over loan terms, just as if the company was INTENTIONALLY trying to prevent me from reading the terms. They also have been circumventing my requests like after I asked for a copy they just send basic forms I filled in to sign to get the loan, but they won't send me all terms and conditions associated with this loan. 

Over time, the XXXX XXXX, Zuntafi, has continuously appeared to make up new and more rules or changes to my loan without my knowledge, without my consent, and while refusing to cooperate in my right and request to be given my full terms and conditions of my loan. 

Their staff has been rude, belittled me, and been uncooperative at giving me the basic knowledge and information about my loans. 

The student loan company, Zuntafi, stated I exhausted all forbearance available for my loan and that they only offer it twice. But they refuse to produce any records of any kind, including my contract stipulating such. They continue to make up and change all aspects without my knowledge or consent associated with my loan. Based on the information I did receive in a barely illegible document, the company has made up terms and conditions that are beyond what's in the contract. I believe their practices break consumer protection laws. 

Despite online materials on their website saying they offer a cosigner release, they are also falsely advertising that they offer that cosigner release. When I went to take advantage of that recently, they refused to honor it despite their website saying their company offers such. There's no part of their site that says loans are excluded. 

Based on their lack of cooperation, refusing to produce or ignoring my request to produce all contracts, terms and agreements associated with my loan, and making up new terms and conditions even contradicting their website, I believe this company is breaking consumer and student loan related protection laws and fraudulently deceiving me and others that enter into loans with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Direct Recovery Services using phone numbers XXXX, XXXX, and XXXX keeps calling me I have told them that I do not know a XXXX but they keep calling my cell phone and leaving messages. 
I spoke with someone who works there who called from XXXX and she said she would remove my number from her call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Chime Financial Inc
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chime closed my XXXX XXXX account when I had reached out to ask why they had reported a balance on my credit card of {$3000.00} to the credit bureaus. 

No answer was received. I have called and emailed over 30 times. All of my responses were automated. Chime supervisors hang up the phone everytime I ask what happened. 

They said I requested to close my account, which I repeatedly stated that I did not. 

They will not allow me to access my XXXX XXXX account, took my money and said they are only refunding {$30.00}. 

My credit card could only be used if I had funded it, so why are they now saying they took my money to cover a balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX  account ending in # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Family Support division keeps reporting false payment information and has my account status closed in collections for arrear payments. I have wrote letters to all 3 credit agencies of this incorrect information. 

I have no missed payments and I am recently divorced as of XX/XX/2022, the judge reduced the amount of the payments and eliminated all arrear payments. I have provided proof of these documents, ( payment history printout from social services which collects this data & my final divorce decree ). XXXX is the only agency that had removed this account with the proof i have provided, XXXX XXXX Equifax keep stating the information they receive is correct from the debtor. Which keeps me disputing the same item over and over again. Why are asking me to submit documnets, which i provide, then doesn't take into account of it being valid. 

The bi-weekly amount out of my check is {$410.00} for payments and arrear balance of {$3800.00}. MO family support had never reported any of my payments until i disputed this with the credit agencies, which lowered my credit score significantly .By law they are to report all data each month, which they are not. 

I have disputed these remarks in XXXX, XXXX, XXXX given 30 days of each investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit card applications were made using my name and social security number as well as the address. A total of 3 credit cards were opened ( 1 ) Sprit Airlines on XXXX XX/XX/2022 ( 2 ) XXXX XXXX on XXXX XXXX ( 3 ) XXXX XXXX on XXXX XX/XX/2022. All of these cards were issued through Bank Of America. 

On XXXX XX/XX/2022, I contacted Bank of America 's fraud department and reported these fraudulent activities and these cards have been closed. 

By reporting that our identify have been stolen, we want ensure that no further fraudulent activities take place using our personal information. 

Thank you for taking immediate actions.

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 2022-06-06
Company: Dovenmuehle Mortgage, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I set up bill pay and my payment date was moved early due to the memorial day holiday. At that time I did not have enough funds in my account to pay my mortgage. My bank notified me of that and noted I needed to move funds into the account by XXXX. I moved funds by XXXX and reached out to the bank to confirm the payment was processed. They said no it was returned with NSF and I had overlooked that it was XXXX EST not PST. 

That is all fine. So know that it was returned with NSF. I set up another payment to process on the XX/XX/XXXXSo the XX/XX/XXXX comes around and Dovenmuehle retried and pulled the first payment I set up that was originally returned with NSF as well as processed the second payment. I did reach out to the company via chat because their phone tree is horrific and they said they could not accept my request via chat and I would need to request it via mail or email. So I requested the refund via email the same day the 2 payments were processed. I did follow up the next day to check on an ETA on the refund. They did not respond. So 3 days later I called and asked about an ETA and it would essentially take 8 days from when I requested the payment reversal to get the payment back. Since it is past when my bills are coming due it is no longer useful so I requested to cancel it on the phone and they said I needed to send an email for it to be accepted meanwhile my emails get no response. 

I am frustrated because I was depending on that money to pay other bills and now I am receiving multiple fees and interest due to them retrying a payment returned with NSF without any notification to me. If I would have known, ie they sent an email when they received NSF stating that they were going to retry my payment I could have avoided this whole situation. 

At this point waiting until the XXXX will not be of any help as the due date for my other bills will have already passed and I am expecting another source of funds to come in then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-22
Company: Experian Information Solutions Inc.
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 the Fair Credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts include the following : XXXX is XXXX XXXX XXXXs XXXX and account number : XXXX XXXX XXXX is XXXX and account number : XXXXXXXX XXXX  which is for 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 2022-11-28
Company: ALLIANT CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, my spouse wrote me a check with an amount of {$6000.00} and I made a mobile deposit on Alliant Credit Union ( Alliant ) mobile app, however my spouse forgot to transfer enough funds from his savings account to checking account, thus this check was returned by Alliant and incurred negative balance on my Alliant checking account ( since I transferred around {$5500.00} from Alliant XXXX XXXX XXXX XXXX Bank after the mobile check deposit ). 
On XX/XX/2022, my spouse wrote me a second check with an amount of {$6000.00} and I made a mobile deposit again on Alliant mobile app, try to make the account balance back to positive. 
On XX/XX/2022, I tried to log in to my Alliant Online Banking and found that the account was restricted. 
On XX/XX/2022, I called the customer service of Alliant, and the representative told me : Dont worry, we restrict your account because your account is overdraft and if you can make a deposit and we will release your account. She then provided me the details of the account on how to receive a wire transfer, including account name, account number, XXXX number and etc. 
On the same day, my spouse used his account and sent a wire transfer of {$6000.00} to my alliant account. One hour later, I received another call from Alliant and a second representative told me that my account will be closed since I was tried to use this account as a hub to transfer fund. I told her that I just transferred once from my Alliant account to my account at XXXX XXXX XXXX bank. And she still insisted that the account is closed and the wire transfer from my spouse was rejected and returned. 
Now I can not get access to my Alliant account and my husbands account was also restricted due to the check and wire transfer were returned by Alliant triggered alert.

Company response to consumer: Closed with explanation