BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: UMB FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 i transferred " {$5000.00} '' from my XXXX XXXX XXXX Account through ACH to my XXXX XXXX account whom financial institution is " UMB Bank National Association '' XX/XX/2021 at XXXX they received the deposit AND closed my access to the account the same morning due to " Risk management '' they state. 

I've called numerous times from now up to now ( XX/XX/XXXX ) being also told that i would not receive my funds from them in check or any form from them. 

XXXX XXXX XXXX ' on XX/XX/XXXX sent a letter of Indemnity to 'UMB Bank National Association ' requesting the funds be reversed back to their institution in which they have not received any response since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with XXXX XXXX how can I have a missed payment. 

XXXX XXXX need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.

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 2017-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I made a formal request to XXXX, XXXX, and XXXX on XX/XX/XXXX to correct the balance to show {$0.00} on a revolving account for creditor XXXX XXXX XXXX XXXX. As of XX/XX/XXXX this debt was cancelled and reported to the IRS. I have included a copy of the XXXX XXXX XXXX XXXX XXXX summary provided by XXXX XXXX XXXX XXXX. XXXX, XXXX, and Transunion are still reporting inaccurate, misleading, and outdated information for this account 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 non-monetary relief
Consumer complaint received 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I never authorized for my credit to be run and causing me so much inquires on my credit file.Please delete the inquiries as they are hurting me from becoming a home owner.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: GA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

has violated all 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

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 2017-05-23
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: Old information reappears or never goes away

Complaint:
XXXX   XXXX   XXXX  {$3900.00} This auto loan was taking out in  XXXX , I paid on this car until  XXXX , this vehicle was then sold by the auto loan company to a auction, they told me I was no longer liable for the vehicle due to no longer having a contract and the vehicle was sold and this company received money for it. I also received a letter from a collection company saying I owe {$1900.00} and still trying to collect debt. This account is now closed and a charge off on my credit, however, they are reporting to all  XXXX  credit bureau 's each month updating on my credit as if im paying the account late on  XXXX  currently they just reported I was late 90 days , 34 times  and all other credit bureau 's says different amounts. I have disputed this with all  XXXX  credit bureau 's  on two occ asions, telling them I am no longer liable for this account and I have no contract with this company, I asked ach credit bureau to send me the documents validating debt, along with information showing this vehicle was sold and they received the remaining balance for, they have fail to send me any documents and will not remove this from 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 2017-02-21
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I RECEIVED A LETTER STATING THAT JP MORGAN CHASE SOLD THEE MY LOAN TO XXXX ON XXXX XXXX, 2014. IS THIS INFORMATION CORRECT OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from WELLS FARGO DEALER SERVICES located at XXXX XXXX XXXX XXXX ( XXXX ) XXXX, CA XXXX ( reported ) showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

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 2016-12-19
Company: Nations Recovery Center
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX I filed a XXXX complaint against Nations Recovery ( now twice ). First time they kept taking unauthorized payments out ( triple charging my account ) and kept getting notices that I did n't pay them. It was finally resolved that they would {$0.00} my debt due to the inconvenience they were causing. I get a collections notice in XXXX from a different agency saying I owe {$140.00} on one of the accounts I should n't have to owe and the original creditor ( in XXXX ) was demanding {$390.00} for the other account I did n't have to owe on. After the resolution on the XXXX complaint I NEVER heard back from this agency. I filed another complaint in XXXX and the XXXX agent I was working with never heard from them and were not responding to communication. Today I get a voicemail from one of their agents saying he needed my address to send a refund check. I call him and he 's going around in circles, not listening to me, unwilling to understand what I was telling him. Playing recordings that I could n't even understand because they were so garbled over the phone. He used a tactic that 's appalling to just harass me. At this point Nations Recovery has caused so many problems with my XXXX and have wasted my time over and over again. They have shown their lack of professionalism and their willingness to use deceitful tactics.

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 2016-03-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was treated XXXX while on vacation in Michigan. Before going to a medical facility, I checked to see what facility participated in my XXXX XXXX XXXX. I selected XXXX XXXX located in XXXX Michigan because it was the closest to my location. The hospital/XXXX XXXX billed XXXX {$1500.00} for the treatment that I received. The in-network rate for this treatment was {$970.00} which is the reason to use an in-network provider is that they have a discounted rate. XXXX paid {$630.00}. I was responsible for {$340.00}. My XXXX XXXX XXXX XXXX paid {$100.00} as that was all I had in the fund at that time. I paid {$230.00} with a credit card. These payments total the {$970.00} that I was responsible for. ( See attached supporting documents. ) XXXX XXXX turned my so called debt over to a collection agency, Wakefield Collections, for {$810.00}. I have no idea what that amount is for. This debt is now showing on my credit report. I do not owe this debt to 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 explanation
Consumer complaint received 2021-11-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
during a transaction so some one in between the lines spent things and delivered data with no reflection on the account added. This is why the account in negative! 



Hello : Fifth Third Bank The account has malf 'd again and re-deucted some credits the next time around to reflect the already ducted balance transacted in the first exchange per transaction. Now the transactions are credit that is in the red as normal for XXXX ; and XX/XX/XXXX for replaced credit from the total in deposits and transfers positivity on XX/XX/XXXX a bal : XXXX Which I added and is devout for transactions I can't deduct because they aren't supposed to be negative charges instead they are positive charges to be placed back in the account related to the re-pend certain categories. I will revisit the bank tomorrow and forward this to an FDIC office for a report & review; name : XXXX XXXX XXXX, birthday : XX/XX/XXXX Acct ending : XXXX All positive deposits and transactions + : XXXX XXXX $ XXXX XXXX $ So I look funny in the face with a negative XXXX $ ; please call if you have questions about this account, I got fraud by your system ; now they want to close this account. As of today the account supposed to have {$3.00} XXXX but it's exhausted by $ XXXX and it's a brick wall rip-off because of most employees trying to help solve another employees problems. This account I got it's based on savings/supplies and donorship sponsors. Thanks thus " I need help fast ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: JPMORGAN CHASE & CO.
State: CO
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:
Subject : Chase credit card reporting late payment I have two Chase credit cards and on one of them, it was reported late payment on credit bureau because of which there was a big drop in my credit score. Payment was of {$11.00} I was in XXXX XXXX Military Service from XX/XX/2022 to XX/XX/2022 and I had very limited access to my phone. I cleared all my payments on XX/XX/2022 before going to XXXX XXXX. I even set up an Auto Payment for both of my cards to prevent late payment. During the XXXX period, As soon as I had an access to my phone, I checked all my credit cards and saw late payment on chase and paid {$11.00} immediately on XX/XX/XXXX. Looks like Auto Payment feature didn't work for chase credit card. After I was done with my XXXX XXXX, I checked my credit score and found that there was a big drop in my credit score because of the late payment reported by Chase Credit Card Service to credit Bureau. I never had a late payment history as well. Called chase credit card customer service regarding this issue and does not seem to be interested to help on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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:
XXXX XXXX continues to claim this card is mine and I have stated that it is not. I have asked for file information that verifies this information and they have not provided it. They only send their generic card agreement and credit card statements. This is apparently fraud and they won't remove the account nor send me a full file disclosure showing how this account was opened and verified. This is a violation of my consumer rights. 15 USC 1681 g ( a ) 1. 15 USC 1681 ( a ) 1. 15 USC 1681 ( a ) D ( 2 ) ( a ) ( i ) My id is attached so don't say as you have in the past that is not me and you can't identify me. It's a stall tactic that you criminally use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: WA
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:
We submitted the document to the courts and institutions but they did not remove the bankruptcy.

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 2015-04-23
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing bought my home loan on XXXX XXXX 2015 and I contacted them XXXX XXXX to make payment and additional principal payment. 

They applied my additional principal payment to a regular payment which left a balance they collected as a fee. I called about the payment but was assured the principal would be corrected and the balance would be reflected on XX/XX/2015. 

I checked today and my additional principal has been turned into fees and the additional payment is all but confusing on the statement online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received a 1099 C Cancellation of debt for this account years ago. This is an old outdated account past the retention period. This account must be removed from my XXXX Credit Bureau as it is causing me irreparable financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
this is an ongoing complaint with Wells Fargo complaint # : XXXX. In there last response. I have provided them with Rental agreement and rent checks that were requested for the HAMP modifications in XX/XX/XXXX also as XXXX XXXX request proof of residency which I provided. Wells fargo has failed to respond to this undeniable proof. So can this be considered and admittance the deceived the Federal Government threw the HAMP program and XXXX XXXX in XXXX to obtain federal funded monies.Also after XXXX XXXX approved XXXX XXXX for the loan modification XX/XX/XXXX and asked for proof of residency which was provided he was then denied again Deception to a mortgage holder to cause this foreclose because of his age. In my opinion. Also Wells Fargo keeps ignoring the fact that after the loan modification approval XXXX XXXX XXXX XXXX would of been his primary resident which is all that should of been taken into considerations. Not the past.Also Wells Fargo refuses to provide ALL documents from both sides as requested. Why? Is this matter considered closed lawsuits can be filed.

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 2020-06-09
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a letter from Lexis nexus stating they have no bankruptcy on file from me .. XXXX  continues to say they verified this account with Lexisnexis ... is XXXX  verify this account when I have provided a letter from the vendor Lexisnexis . This is my 4th time send this letter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I closed my Chase mileage card last year. At the time the service rep told me the annual member fee will be refunded, and I have no other balance on the card. I did not hear from Chase until earlier this year. I got a letter from Chase saying that my account was in significant delinquency, and was about to be charged off. 
After receiving the letter I called Chase, the service rep was able to see that the membership fee never got refunded, and meanwhile late payment fees was incurring. The service rep then told me that he would clear the account and also contact credit agencies. 
I check my credit score this morning ( a few months after the call ), the entry from Chase is still on my credit report. I call Chase and they told me they have to open another investigation for this matter. It seems like nothing gets done and meanwhile my credit score took a big hit. I am very disappointed in Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I bought a XXXX XXXX from a business in XXXX XXXX CA XXXX XX/XX/2016. Part of the purchase I paid with my VISA & the remainder {$1600.00} I used the store 's promo offer of 6 months same as cash - no interest. I only financed {$1600.00}. This financing is through Wells Fargo Home Furnishing - my statements say ( XXXX ). Someone in this string of financing has been allowed to ADD money to my account when I only filed documentation to finance {$1600.00}. At this point - I feel Wells Fargo should NEVER have allowed the business access to my account to make such an entry or maybe Wells Fargo made the addition - that is unclear. & if Wells Fargo DID allow access, they only have paperwork supporting my {$1600.00} financing purchase. Today my bill states I owe {$2000.00} & I have paid {$40.00} each month times 3 months or {$120.00} towards my {$1600.00} bill, making my total due = {$1400.00}. I have talked to both the business ( the business has lost my paperwork - seriously - lost it - XXXX XXXX ) & Wells Fargo ( XXXX different agents XXXX & XXXX on XX/XX/2016 ) -- my consumer recourse is to submit a dispute which could take up to 90 days to resolve. Really? How is any business allowed to debit me in anyway without the proper paperwork? Wells Fargo is my target of this complaint. In 90 days my whole financing agreement will be over. The fact is, there should not be an " open-ended '' account by any organization allowing for money to be debited in a consumer 's name. Period.

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 2020-09-10
Company: EQUIFAX, INC.
State: FL
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:
In XX/XX/2020, I was notified by XXXX XXXX & XXXX  that a hard inquiry was placed on my credit report to open a new line of credit with XXXX  XXXX in Michigan - a state I have never even visited or resided. This inquiry was flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX  and XXXX XXXX, fraud alerts were placed on all 3 credit reports, and XXXX XXXX denied the application as fraud. XXXX  immediately removed this hard pull from my account, but XXXX XXXX failed to remove the fraudulent hard pull from Equifax. Since these are hard pulls, they negatively impact my credit score. As requested by Equifax, in XX/XX/2020, the CFPB assisted me in getting XXXX XXXX to correctly fix this fraud error on my credit reports ( see attached letter dated XX/XX/2020 ), but to date, Equifax has not corrected this hard credit pull. 

In late XXXX, I filed yet another complaint with Equifax via the CFPB portal to get this resolved, also attaching the requested correspondence from XXXX XXXX, but Equifax conducted no investigation and closed this complaint out. This is still listed as a hard inquiry on my Equifax credit report, which negatively impacts my overall score. Additionally, it is completely fraudulent, so it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I can't Nordstrom to let them know due to the pandemic covid 19 I might be late on some payments they told me they wouldn't be reporting late payments and I still got late payments I called them back and told me to call the credit bureau to take them off for me

Company response to consumer: Closed with explanation