BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: KY
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:
reporting inaccurate items that are harming me in getting home or car.

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 2017-03-14
Company: GREAT LAKES
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My Federal Student Loans have been in deferment since XXXX, since that date Great Lakes has shown numerous late payments on my credit report. Since, my loans are in deferment, this should not be possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I made a payment for my tuition on XXXX University 's payment portal ( on XX/XX/XXXX2017 ) for an amount of {$710.00}. The webpage had a technical glitch and cause my payment to be charged three times instead of only one. I disputed XXXX of the transactions with my credit card company and they gave me a temporary credit until the issue is resolved. I managed to resolve the issue with XXXX University in regards to the duplicate payments and they gave me a refund for the XXXX extra {$710.00} charges by sending me a check. I reached out back to my credit card company and requested the dispute to be removed and marked solved. The bank marked the XXXX disputed ( case numbers XXXX and XXXX ) as solved and posted a re-bill on my account to process those payments. After a month of going back and forth with XXXX University they claimed that they only received XXXX of the re-processed dispute amounts - so there is a {$710.00} outstanding. Chase has done nothing to help me locate where that payment is and XXXX University has over exhausted their resources trying to find the payment processed by Chase. The XXXX disputes were reprocessed on XXXX/XXXX/2017 with the following description on my credit card statement " REBILLXXXX UNIVERSITY ''. 

Please help me find where the second payment is and why it has not reached to XXXX University. There seems to be some sort of fraudulent activity taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My property was sold. It was agreed with Bank of America that I would not have derogatory information reported to credit reporting agencies due to the XXXX balance of the transaction. 
That appears to be an inaccurate promise from Bank of America. XXXX and XXXX has derogatory information from XXXX and XXXX on my credit file.

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 2017-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
Although I had available line of credit {$3700.00} I attempted to make a purchase in the amount of {$840.00}, from XXXX and the purchase was declined. According to XXXX Bank of America ( BOA ) denied the purchase. I immediately contact BOA and asked why the purchase was cancelled or declined according to BOA they had no knowledge of the declined although I had a copy of the cancelled purchase order. BOA referred me back to XXXX. After going around in circles I immediately cancelled all purchased with XXXX and again reached out to BOA and explained the problem. BOA then placed an hold on my account in the amount of {$840.00}, and refused to removed said hold denied use of my full line of credit. BOA claimed the hold would drop off within 48 hrs. The hold was still on my card a week later, I again reached out to BOA explained I did not make the purchase, I wanted to use my entire line of credit and asked BOA to remove hold which they refused. 
The BOA placed the actual charge on my card and charged interest for the purchase and still refused to remove said charge with full knowledge I did not place the order, the order was declined and no merchandise was delivered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have spent over XXXX total hours of phone time, 1 hour of travel time, faxing VALID documentation on a debt which needed to be DELETED from my credit file, per the request of Equifax 's supervisors. I 'm in the middle of underwriting for a home mortgage and had a debt appear on my report, which was an ERROR on behalf of XXXX. 

XXXX submitted their error and request to have it DELETED from my report, TO ALL XXXX credit agencies, Control Number XXXX on XXXX XXXX at XXXX XXXX CST. ALL CREDIT AGENCIES need to delete it from their reporting. However, I need the reporting expedited due to the fact my underwriting is happening NOW. Transunion and Experian took care of the matter within 24 hours of notification. They were both very customer friendly and understood the urgency of my request. They appeared to care about my situation and knew it was n't something I should have experienced. 

I spent hours working a circle with XXXX, their internal collections agency, and then back to XXXX. I received a letter for my lender advising this was XXXX 's error. Equifax told me to fax them the letter at XXXX. I did this at XXXX XXXX. Equifax also received the info at the same time as all other agencies. When I called, after spending an hour on hold and another 30 minutes talking to a " Supervisor, '' Equifax was completely noncompliant. They would not help me. When I asked to talk to another manager, I was told I could not. 

Every hour I spend taking care of an issue on my credit report, which should never have appeared on it in the first place, has cost me time and money. I '' m XXXX. If I 'm not in front of a client, I 'm not selling. If I do n't get this removed from my report, I lose this house, I lose {$4200.00} in earnest money, there are several people impacted from an emotional and financial situation and all because Equifax wo n't delete the erroneous information and they 've received PROPER AND PROMPT documentation. 

I should n't have to go through all these hoops, to have something deleted ... all due to an error by a company. Why is Equifax doing this and making it so difficult, when the XXXX and XXXX can do it -- with the SAME DOCUMENTATION, and they understood the urgency? Why should a consumer have such a difficult time to remove something which is n't their fault, all because a company willingly chooses to be NON COMPLIANT? 

I can not spend anymore time on the phone fighting for Equifax to DELETE XXXX from my report, this report directly impacts my credit SCORE, and I need someone to fight for my rights as a consumer. This is absurd, when I 'm doing all the right things and this situation was a billing ERROR on the part of XXXX. Equifax 's experience is leaving me emotionally, mentally, and physically distressed -- -over an ERROR. Please help. 

The letter from XXXX is attached. All I asked of each agency is to DELETE it so my lender will write the loan. Its not that difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company has let a previously deleted account that was included in my identity theft case that was blocked from your file and also some collection account that i never heard from a company that i never did business with. They previously stated in my recent complaint against them that all accounts was removed from my file. This is hurting my file while I 'm in a process of getting a mortgage they are allowing these accounts to pop back up. The recent case number complaint with the CFPB was XXXX where they stated the removed all fraudulent accounts. I 'm tired of dealing with this issue and would like for all these accounts to be blocked immediately along with the XXXX public records XXXX from XXXX and XXXX from XXXX that was filed in error due to identity theft

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 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Trans Union is reporting XXXX judgments on my credit file. They are not mine. I contacted the court and they do n't have any judgments for me. It has been over 45 days and Trans Union is just ignoring my dispute. This is ruining my life

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 2017-04-05
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We bought our home and it closed escrow on XX/XX/XXXX. The home belong to XXXX it was a bank own property. We got a home loan with XXXX the loan was set with out impounds just paying principal and interest. On XX/XX/XXXX, I received a letter stating that an escrow account had been set up for a loan because some taxes were owed. I called the mortgage company and sent them proof that i am up to date with the taxes and insurance. I found out the taxes were owed by XXXX please see attached tax statement. On XX/XX/XXXX XXXX sold my loan to Loancare who raised my monthly payment from {$1200.00} to almost {$1900.00} raising my payment by {$500.00} a month for taxes and insurance that are up to date. I had XXXX negociate with Loancare, Please see attached documentation all taxes and insurance are up to date and Loancare refuses to remove the unessesary impounds. Loancare has ruin my credit and sent me a letter that my home is in defult. I continue to sent my agreed monthly payment but Loancare delays the payments and make one payment out of two. Please help me I have been diagnosed with XXXX and it is very difficult to continue to fight with the bank. They have acted without any regard for the proof and I keep getting herrasing phone calls and letters. I have not done anything wrong, the back taxes should have been paid at the time we closed escrow. I have kept all the mandated agreement and my account and payments are up to date. Loancare refuses to accept any proof and continues to damage my credit and are treatenning to forclose my 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 2017-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently refinanced my mortgage with Bank of America. They offered a XXXX Payment a year plan which I opted to participate in to help me due to the fact I have XXXX mortgages at this time due to a recent divorce. My first application for this program was XXXX XXXX and it was to take place XXXX XXXX for the first deduction from my bank account. My loan number with BofA is XXXX. This never happened as I was told it would. I reached back out to the bank and they told me I had to pay the loan in advance again and they would start it in XXXX on the XXXX and XXXX of that month. Again it did not happen. I again reached out to Bank of America and spoke to another person. Each one of these representatives indicated the application was recieved and they appologized but the same thing pursued. I had to pay the following months payment in advance and they would try again. So I have done this every month since XXXX and again after their one Representative and Supervisor XXXX XXXX XXXX assured me he would make sure it would not happen again but I would need to make the payment early and this would all happen in XXXX. Much to my surprise nothing was taken out of my account and I called XXXX back. He told me he also elevated this to his superiors and again nothing was set up. It was indicated to me several times it was due to representatives at the bank not following up on the request and their people failing to make sure this was implemented. I have been told 5 times that if I make the payment early they will get the payment program set up. I have had it with their failed commitments to implement and have elected to report them for false promises and failing on multiple occasions to set up a program I have been told would be set up. I want this set up once and for all. I 'm tired of all the games that are being played. I have been miss represented by this institution multiple times.

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 2016-06-02
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had an outstanding balance with XXXX XXXX XXXX that I paid XX/XX/2016. In XX/XX/XXXX, a collection agency named SW Credit Systems reported on my credit report with XXXX and XXXX XXXX, that I had a collection account with XXXX XXXX XXXX. At the time, I was under contract to purchase a house, and the appearance of this collection account dropped my scores and prevented me from doing so. I have contacted SW Credit System multiple times informing them that I never received a collection notice prior to this account showing up on my credit report. Furthermore, I have explained that this balance was paid, prior to their agency reporting it. Nevertheless, they have told me numerous times that they refuse to delete this account from my credit report. Meanwhile, its existence continues to prevent me from moving forward with mortgage financing options. Their actions are in direct violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed
Consumer complaint received 2022-04-16
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, I received a letter from Commonwealth Financial Systems. This letter shows it was dated XX/XX/2022. This letter informed me they were attempting to collect a medical debt on behalf of XXXX XXXX XXXX, whom I had already disputed this debt with but never received any valid proof of in accordance to the New Regulation F. 

Upon receipt of this letter from this new agency, I sent a dispute via certified mail on XX/XX/2022 which shows a confirmed delivery of XX/XX/2022. When I woke up today - XX/XX/XXXX - I received a notification from my credit bureaus stating a new collection account was added to my report yesterday, and my score dropped XXXX POINTS! 

I NEVER received any sort of valid proof- as requested - about this debt nor did this company wait any " reasonable '' amount of time before adding this account to my major credit reports, causing detriment to my name. They waited ONE WEEK before reporting this, on the day my response shows delivered. I responded 3 days after I received this in my mailbox. This is not reasonable whatsoever. In my attempt to call them with a request to remove this from my report, they refused. They advised they mailed me a letter XX/XX/XXXX and had waited a " sufficient '' amount of time. They're in PA and I'm in TX. It is obvious time needs to be accounted for when waiting for a consumer to receive notice and respond regarding an alleged debt. 

What is the purpose of passing federal regulations if they are not going to be followed? I respectfully request you look into this matter and hold Commonwealth Financial Systems accountable for violation of 12 CFR Part 1006 ( a ) ( 1 ) ( ii ) ( Regulation F ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Accounts closed or paid off still shows

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
my actual name on my nys id is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, new york,XXXX not XXXX XXXX XXXX XXXX, this is no XXXX XXXX XXXX XXXX or XXXX like equifax , XXXX and XXXX has it on my credit report, i have ask them to fix the issue more than once with no luck i even send a copy of my id and fax it also and email it too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened a joint-owner credit card with the XXXX XXXX XXXX XXXX in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} Credit Limit in Pays As Agreed status. The closure was only reported to XXXX correctly. Equifax and XXXX still report it as open with a {$2500.00} credit limit. I filed a dispute with both Equifax and XXXX and XXXX came back with XXXX credit limit as correct and the account is still open. When I called XXXX, they agreed the card was closed but refused to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have lived in the same place for over 12 years every year i ask EQUIFAX XXXXXXXXEquifax Information Services LLCXXXX XXXX, Georgia XXXXi never had a problem with the other XXXX credit reporting companys just equifax for 12 years at the same address refuses to give me a copy of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Chase Bank while I was traveling on the road in XXXX without notice shut down my debit card and account last week without explanation. I had no means of using another debt card while traveling alone on the road. I also have no access to banking information. 
I was inquiring about a claim that week because the bank has taken too much time to resolve XXXX outstanding claims exceeding {$600.00}. I met with a banker, upon my return to XXXX, and the Branch Manager clearly stated that he did not know why my account was shut down ; and did not notice any unusual activity. In fact, the bank did not even give the banker a reason. I could not use my Debit Card at all and had a recent balance of {$940.00}. I had to withdrawal funds from my checking account this week of {$230.00} and have funds missing without even a withdrawal from my previous balance. I recently contacted the claims department and claims clearly, stated, " that the investigation of my claims will take 45 days '' when this time frame has already lapsed. 
I find this type of conduct from a bank unlawful, and I had no means to travel with a card to use for a car rental, which cost me {$250.00} of added travel expenses in order to obtain another card for a car rental, because I had to extend my stay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX, a company in XXXX, California posing as a collecting agency for JP Morgan Chase bank, collected money I owed Chase bank but did not pay this money to Chase bank. Chase bank denied XXXX was their collecting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This is in response to company 's reply to case number XXXX : We were not advised of ANY of things the company mentioned in their response to my complaint. The company of record which I desired a business line of credit for was Base Operations, an 8 year old company at that time that had XXXX XXXX XXXX as well as XXXX XXXX and XXXX Business credit lines reporting at the time of the request. I was looking for a business line apart from my personal consumer credit profile, not BASED on it. While had expected my company 's credit to be hard pulled and maybe a soft pull on me to verify ownership, I never expected a hard pull on my personal consumer credit report. I strongly recommend reconsideration and respectfully request and update.

Company response to consumer: Closed
Consumer complaint received 2016-07-06
Company: Vital Solutions, Inc.
State: HI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
VRS debited checking account without approval and failed to provide a refund of funds illegally debited from bank account. Account Number : XXXX Problem Date : XXXX XXXX 2016 VSR Reps : XXXX and XXXX XXXX Was told to FAX ( XXXX ) XXXX bank statement showing where money was withdrawn. Did so, phoned company to verify receipt. XXXX, told me her XXXX said, money was debited due to online payment. I told her, I never made an online payment for XX/XX/XXXX. She said, she would bring the attention to upper management for their resolution. I said, I was calling my bank to stop payment on the unauthorized payment, then filing a complaint with the XXXX and Federal Trade Commission due to Illegal collection practice

Company response to consumer: Closed with explanation