BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
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: Account information incorrect

Complaint:
On XX/XX/2020 I went to the ER with XXXX XXXX and XXXX  of XXXX. Upon being admitted to the ER I provided them with insurance information which was XXXX XXXX XXXX XXXX XXXX of Washington. At that time my employer was XXXX XXXX in XXXX, WA. They ended up diagnosing me with XXXX, even after my results came back three days later negative. The hospital never once sent me a bill or itemized statement of the account that day. Until one day I found three collections on credit report. All of them were from this visit to the ER during XXXX. The hospital had billed my old insurance, XXXX XXXX. I have been trying to resolve this and get this off of my credit for over a year. The three collections were : one for the hospital bill ( XXXX ), one bill for the radiologist XXXX, XXXX, and XXXX ( credit management ), and the XXXX XXXX XXXX. So I received three bills and three collection accounts from this one visit. I provided the hospital with my insurance card and even had XXXX XXXX call them on a three way call so they could pay this. This hospital refused to give me a superbill and said there was nothing they could do, I needed to call the collection company it was sent to. So I did just that, they are unable to give me a superbill because they dont have it. SO I called the hospital again, and get another person and come to find out they told me the bill had been paid for by federal grant money. I do not understand how this can be allowed on someones credit. Someone who has no late payments whatsoever. I had to purchase a car this past year and Im going to have to refinance it because I am paying a much higher interest rate because of this. Now I have been trying to resolve this for over a year. Would someone please help me. I am a at the end of my rope. No one wants to help me, they keep passing the buck and all three credit bureaus are of no help either. I have disputed these items 2+ times. I have even asked for a copy of the debt from the collection companies and they refuse to send me one stating, you need to contact the hospital to get a copy of your bill. It is a never ending vicious cycle. Please help me. 
I finally did get someone to mail this for me and my dad listens to XXXX XXXX. XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-04-18
Company: U.S. BANCORP
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It appears our property taxes have not been paid in full for our home by our mortgage company, US Bank. The property taxes are required to be paid through our escrow account. 

When we received a first notice about this in XXXX, I immediately emailed my loan officer and the servicer he works with. They said they would take care of it immediately. I emailed again on XX/XX/XXXX to follow up and never heard back. 

Today, in XXXX, we received a letter from our city collections office noting that there is an outstanding balance on our property and that it has accrued interest and will continue to accrue interest daily. 

( We have made all mortgage/escrow payments on time. )

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 2022-04-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
How many times that they use my identity to open a bank accounts and then deposit a stolen check they withdraw all my savings then it turned out that I have a credit on that bank accounts and now I couldn't even open a bank accounts because of those that happened before last year 2018.until now I couldn't still open a bank account because of that for using my identity they get on my bank account take all my money then they will borrow money so it will show up that I have a negative 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 2016-09-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a new car with Nissan Motor Acceptance Corporation. The 2nd payment is noted as late on my credit bureau. Nissan admitted they made a mistake and removed the late payment from my XXXX report but left the late payments on XXXX and XXXX. Multiple disputes have been submitted with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: General Motors Financial Company, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid off a vehicle loan via ACH on XXXX XXXX, 2016. Funds were debited from my bank account on XXXX XXXX, 2016, Therefore, the lender had no right, title or interest in the vehicle from that date forward. It is now XXXX XXXX, 2016, and I still do n't have the title. There is no excuse for GM Financial to hold a title for so long after a payment is made, in today 's world, when payments are routinely processed overnight, especially in light of Check XXXX. A couple days, maybe, to be sure payment cleared, but three-four weeks is excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Equifax Refuses to except Valid ID information to correct my report. Wrong Personal ID information has led to Accounts Effecting my Report that are not Mine, Example : XXXX ( Plaintiff Denies any judgement against me or authorizing Equifax to put this on my Report ) Escalating this due to multiple attempts to resolve this issue. They may not be updating person info to directly keep accounts onto my report. They Have stated Vague research responses in the past to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: General Motors Financial Company, Inc.
State: NM
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Turned in XXXX XXXX XXXX that was on lease in exchange for a new XXXX XXXX XXXX lease. XXXX XXXX XXXX Agreement with dealer included pay-off of XXXX XXXX XXXX Unpaid Lease Balance. For over 30 days GM Financial Lease has refused to remove the XXXX Lease from my account, pending settlement with the dealer. I am now past due, being assessed late fees and threatened with negative reporting to credit bureaus. My credit history will be damaged by XXXX XXXX if GM Financial does not settle and close my lease account on the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This item is for XXXX XXXX Hospital. I received services at this facility in XXXX. The services were billed to both of my health insurance companies, XXXX XXXX XXXX for payment. After payment from both insurance companies, the remaining balance was supposed to be adjusted off due to contractual obligations between the hospital & my insurance company. The balance was not adjusted but instead turned over to XXXX. I contacted the hospital again & the balance was adjusted off. The hospital in turn contacted XXXX XXXX to inform of the billing error & also advise that the account was incorrectly submitted for collections. XXXX then contacted Equifax on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX electronically to request for the item to be deleted. I was informed on XXXX/XXXX/XXXX to allow 60 more days for the item to be deleted. I contacted Equifax last week & was informed that the medical bills is still reporting & to contact XXXX XXXX. I reached out to XXXX & they indicated that show the account as reported to Equifax to delete. I called Equifax today & was informed that they do n't know when it will be removed from my report. I keep getting the run around from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX : I disputed an amount of {$670.00}, this account was not accurate. I would like this removed from my report. I've been trying to removed this from my transunion report but no help whatsoever.

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 2022-04-21
Company: Experian Information Solutions Inc.
State: IA
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:
Ive attempted several times with Experian to update my current address and only that address. Ive provided proper identification and certain information remains on my credit 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 explanation
Consumer complaint received 2021-04-21
Company: PNC Bank N.A.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was offered a loan and I was told to pay some fees and I paid {$150.00} fee for the processing of the loan and they told me that the loan would be approved and that the funds will be available in my account it the more the next morning I gave them my bank routing number information and then all of a sudden they came with now I have to pay an additional XXXX closing cost for closing the loan and that then the funds will be released and they wanted {$600.00} after I had to give them the XXXX he refused to refund my XXXX they said that I would have to wait 30 to 40 business days they wouldnt give me a supervisor they wont give me anything they just pretty much said that I need to pay the XXXX I need to pay the XXXX and I said listen nobody said anything about the XXXX so I want my money immediately and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I signed up with XXXX for my cable service and authorized them to do XXXX hard inquiry. Equifax is showing XXXX hard inquiries from XXXX on my report all XX/XX/2015. I have contacted both companies to have them removed to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This has been going on for months and years ... I have given you all info re : this complaint ... I have advised Equifax ( many times ) and still they have all the duplicate info on my credit report.. XXXX XXXX XXXX XXXX ... it is quite obvious that these are duplicates and they will not remove. Also I am trying to get a home loan to purchase a home and Equifax is a mess and stays a mess no matter what I say. 

XXXX : I have not had a XXXX account in over 10 years and have requested this removal many times. I have never used a XXXX. I have asked this be removed as well. These credit reporting agencies are not investigating properly ... THIS INFO I AM REQUESTING TO BE REMOVED MUST B E REMOVED IMMEDIATELY ... THIS MESS IS CREATING ME FROM GETTING A HOME LOAN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I transferred funds from my XXXX XXXX acount to XXXX. A few hours later on the same day I decided to cancel the transfer. XXXX still took the funds off my XXXX account but never credited them on my XXXX account. 
I have contacted XXXX daily and, after waiting on hold for XXXX mins daily, they don't know where the money, keep telling me they will fix it in a day or two and its been 21 days now. 
Total nightmare, worse institution I've ever dealt with, doesn't sound like a real bank, sounds like a scam!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The lenders for this car loan has violated multiple consumer laws stated in the file I have attached please have this removed or I will have take legal actions. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
Company: Diversified Adjustment Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2020 XXXX  reported Diversified Adjustment Service as a closed account # XXXX on my credit report owing {$1400.00}. I never received a notice from this company. 

XX/XX/2020 I called Diversified Adjustment Services and spoke with Account Rep XXXX XXXX and he informed me the account exist. I asked why I never received any in writing in reference to this account from your company and he responded because this account was in bankruptcy. I informed him I am not in bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Case number XXXX, i returned item via XXXX XXXX Shipping Label Tracking : XXXX, the return was delivered on XXXX/XXXX/XXXX however i never got refund. I contacted and faxed all info to Chase twice, however they are not working on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I aksed BofA to transfer through XXXX XXXX {$20000.00} from my checking account to my credit card ( XXXX XXXX XXXX XXXX XXXX managed by XXXX XXXX Bank ) in XXXX XXXX Bank. 
BofA issueed a check and mailed it on this date to XXXX XXXX Bank. 
This amount of money had never reached my account. On the back of the check appears a stamp of XXXX XXXX Bank with an unexisting account ( I escalated a research within XXXX XXXX Bank ) and they said that this is an encript account and does not exist in XXXX XXXX Bank. 
There is nobody in the branches of BofA to whom I can talk. It possible to comunicate with them calling the checks fraud department. The answers the are giving me that I have to wait XXXX business days for the resolution of the claim I filled on XX/XX/2022 and they are not able to refund me meantime. 
Please help.

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 2022-04-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Balance : {$22000.00}

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 non-monetary relief
Consumer complaint received 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
TransUnion is refusing to block fraudulent information on my credit report. I spoke with a representative by the name of XXXX in the Special Handling Department on XXXX/XXXX/2015 and was told that TransUnion had not received my police report and that was why XXXX fraudulent account continued to report in error on my credit report. She indicated that the other fraudulent accounts were blocked because XXXX had received my police report and shared the information to block the items. She indicated that I could send her a copy of the report via fax and she would promptly block it in accordance with Section 605B of the Fair Credit Reporting Act. She also indicated that it was already being investigated, but she would block it with police report. 

I called in today to learn that it would not be blocked and that it is being investigated and that she did receive the police report detailing the fraudulent account, but since it is already being investigated it is nothing she can do. I also sent in a copy of my drivers license with my new address on it and I am being told that she did not receive it with the police report. I have verification that all pages of the fax went through successfully.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX  XXXX Balance : {$22000.00}

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 non-monetary relief
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as PACER, e-Oscar or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have tried calling and emailing this company to get my payment book or to set up my online to pay on this loan but I keep getting hung up on or the call is dropped.

Company response to consumer: Closed with explanation