BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I filed Chapter XXXX bankruptcy. As a result, I was allowed to maintain possession of my assets which included a vehicle financed through XXXX XXXX. The payment agreement for the bankruptcy was wage garnishment, but unfortunately I was laid off due to medical reasons and I could no longer maintain the payments so my bankruptcy was dismissed. Shortly thereafter, XXXX XXXX began pursuing me for payments. I explained that the vehicle was broken, it had been towed and I was not able to pay so I offered to voluntarily surrender the vehicle which XXXX XXXX declined so the vehicle remained in tow storage which accumulated more debt. 

As you can see XXXX XXXX failed to properly report the loan to the three bureaus at the time the loan was acquired in XXXX. It wasnt until XX/XX/XXXX that they began reporting the vehicle as 120 days late, XX/XX/XXXX - XX/XX/XXXX it was reported 90 days, XX/XX/XXXX - XX/XX/XXXX 90 days late and finally in XX/XX/XXXX it was reported as a collection account. The conflicting and erroneous information during this time frame was date of last activity was reported as XX/XX/XXXX to Equifax and XX/XX/XXXX to XXXX. No date was provided to XXXX. However, the opening date was reported as XXXX XX/XX/XXXX to XXXX, but it was reported as XXXX XX/XX/XXXX to Equifax and XXXX. 

Considering this, I started an investigation disputing inaccurate information begin reported for the account. Neither verification nor validation documents were provided. Instead, the account was permanently removed from XXXX. It was also removed from Equifax and XXXX, but returned a short time later without any form of communication from XXXX XXXX. I continued to dispute the account through XXXX, but I still did not receive any correspondence from XXXX XXXX. Once again, the account was deleted from Equifax and XXXX, but returned this time as a charge off. It is no longer being reported to XXXX. 

More recently out of nowhere on XXXX XX/XX/XXXX the comments were updated from collection account affected by natural disaster Chapter XXXX bankruptcy dismissed fixed rate to collection account auto Chapter XXXX bankruptcy dismissed fixed rate. This vehicle was never affected in a natural disaster. Additionally, after being contacted by Equifax Mortgage in reference to verifying the account as charged off, XXXX XXXX   changed the status of the account from Closed, Charge Off, Collection to Open 120 days late XX/XX/XXXX - XX/XX/XXXX. Today my credit report was updated and XXXX XXXX conveniently changed the account again this time only with Equifax to show 90 days late XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX my mother filed bankruptcy during this time ASC or wells Fargo was reporting this account XXXX Days late in bankruptcy as long the account is current you have to report it as current you can say this account in bankruptcy but that is it, I was not in bankruptcy or list in it, so my account should not be affected when I contacted ASC XX/XX/XXXX to have them straighten out they had credit bureaus all XXXX Delete account that way I could n't show I had a mortgage and it would keep me from getting another company to finance us, I have sent the discharge letter to all XXXX Credit Bureaus asking for my Mortgage be put back on my Credit from XX/XX/XXXX when Bankruptcy ended and to update it as Current per the Courts and the Chapter XXXX Trustee, All I keep getting back from credit bureaus is there is no account on my credit report I know cause they deleted them and for no reason, Now I am getting ready to have XXXX refinance me within the next year I am a XXXX and I need this fixed ASAP, I know why Wells Fargo had them delete to keep me from getting another loan cause I do n't have history No one will refinance us.this has been removed since XX/XX/XXXX my mom started the bankruptcy in XX/XX/2006 this is still a issue and its ridiculous they have my mom in this bankruptcy for her mortgage and its the XXXX XXXX back to back they messed up the first bankruptcy and let them tack on {$2300.00} after completion so we ended back in bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2015 we completed a value dispute with an appraisal that at that time came in at {$330000.00} with the property in its condition at that time. In XXXX of 2015 we were approved for a price of {$340000.00} and were prepared to go to closing when the title company discovered an erroneously recorded DOT by XXXX that had been cancelled during the 3 day cancellation period, but recorded by someone in that organization before they went out of business. For months we tried to obtain a release for that DOT to no avail as none of the lenders who took over XXXX loans could find this loan as it never existed. The XXXX went through the time and expense of filing a quiet title action to remove the erroneously recorded Deed of Trust so that they could get back to where they were and complete the short sale that had been approved. Ditech themselves had a title issue and could not pursue foreclosure with the XXXX DOT on title as that loan was in first position and would have needed to be released for Ditech to sell the property to a third party owner either at auction or as an REO property. 

The XXXX spent over {$6000.00} clearing Title so that they could sell this property as a short sale all to avoid a foreclosure. The bank coming back with unrealistic values that are not supported by current sales for similar properties and not giving us the information that they relied on to reach their value does not allow for a full evaluation under loss mitigation requirements. We have documented that the appraised value is {$340000.00}. We have an able and willing buyer who can close in 30 days with an approval and we have cleared title to be able to complete this transaction. There needs to be some fiduciary duty on the servicer or investor for this loan to avoid additional losses and expenses that will be incurred by a foreclosure. Statistics show that in Maryland XXXX properties sell for 37 % less than non-distressed properties. Our current offer is more than 90 % of what the bank thinks this property is worth and is 100 % of what an independent appraiser determined this property is worth. 

This property has been marketed several times over the last year and the current offer represents what the market is willing to pay for this house based on all the information that is available about homes within a XXXX mile radius in the same XXXX, in the same school district, same tax structure, etc. You can not go outside of this community to take comps for homes that are districted for other schools or have less congested roadways nearby, etc. 

We have submitted another appeal and we will continue to push this with Ditech

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Total Card, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They 've called multiple times. I 've advised them that they are calling my work phone and need to call my cell phone. I 've provided my cell phone number, but they continue to contact me at work. I can not have personal calls at work.   They 've been calling from private/restricted numbers, but today the information came up on the caller id : Total Card (  XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: JPMORGAN CHASE & CO.
State: FL
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/XXXX at XXXX XXXX. I was at my daughters yearly doctor appointment when I went Into my online banking account and noticed that {$720.00} was withdrawn from an ATM that was not authorized by myself. I had my card at the moment on me. I reported the fraudulent withdrawal to Chase bank ( J.P Morgan ) they cancelled my card and provided me with a {$720.00} temporary credit. And they filed a report to be evaluated. The first report was denied due to them saying it was a chip to chip transaction and pin being known. They withdrew the {$720.00} credit they previously gave me causing my account to go negative. I provided Proof that I was At my daughters yearly doctors appointment while this transaction was happening. I filed A second review and it was denied yet again. They stated that I have Used the bank which the fraudulent activity happened and the pin was known. Once again I was at my daughter pediatrician appointment 40 mins away while this fraudulent activity was occurring. I have Used that bank which the fraudulent activity happened before as well as many other Chase banks within the area. I have no history of fraud in years and no history of taking excessive amount of money withdrawal from an outside ATM. I always Go inside the bank if Im taking more than {$100.00} out of the ATM. Chase Bank will not reverse the claim and I am At a loss of money even though it wasnt my doing. Someone stole {$720.00} from me even though I provided Proof I was At the doctors appointment at the time this transaction was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened a MileagePlus Explorer credit card with Chase bank a few years back, which is a co-branded card with XXXX XXXX. The credit card carries a {$95.00} annual fee. My fee is charged yearly on XX/XX/XXXX. I recently traveled to XXXX and attempted to used said ( no foreign-transaction fee ) credit card, but it was unfortunately non-functional. Upon return I decided to close my MileagePlus card as I was not satisfied with it. I waited until I paid off the card ( XX/XX/XXXX ) and contacted them yesterday, on XX/XX/XXXX, to close it. Upon the closure of my credit card account I inquired how they 're going to refund me the pro-rated annual fee. To my surprise I was told that I 'm not getting anything back. Apparently, there are no terms or conditions, but at their discretion Chase chooses to refund the annual fee if one closes the account within 180 days of the day when the annual fee was charged. In disbelief I researched this on the internet and found that all other banks refund pro-rated annual fees if a customer closes an account mid-year. So today I called back and was transferred to a supervisor, who after some investigation also told me there 's nothing they can do. What is surprising is that my annual fee comes with certain services attached, as allowing a free check-in back with XXXX XXXX among other privileges. So I have already paid for this service until XX/XX/XXXX, but by closing my account am unable to use it. When inquiring if Chase is going to pay my luggage fees then, I received no comprehensible answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my credit report, I noticed a dramatic lowering of  my credit score  by nearly  XXXX  points. When researching the cause of my problem, I noticed that an account that was discharged in my bankruptcy was showing past due with a balance. Also was reported was the utilization ratio and no notation regarding the discharging of my  Chapter   XXXX  bankruptcy. The creditor is  XXXX   XXXX   XXXX .  All of these factors caused my score to lower significantly. According to 15 USC 1681s-2 ( a ) ( 1 ) ( A ), it is a violation of the CRA to report inaccurate and incorrect information on credit report. This error has   diminished any attempt to move forward to restore my creditworthiness.

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 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 called into Transunion multiple times about inquires on my account that I have not initiate and spoke with a rep by the name of XXXX who pretended twice to transfer me to supervisor but kept coming back on the line himself. I disconnected the call and called back and immediately asked for a supervisor ( XXXX XXXX ) who came on the line and proceeded to read me the same script that the previous rep did stating that they are not obligate to verify information before it is placed on the credit file and that these are considered a statement of fact.

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 2016-08-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The XXXX XXXX XXXX information listed incorrect. States that high limit is {$3800.00}, which state I went over the limit by XXXX dollars. This is an issue because credit score dropped XXXX points.The bank has sent a request to have this information corrected to the credit agencies, but the credit report still shows I went over the limit. Here is the " Control Number '' from the bank to have to information corrected # XXXX ( XXXX XXXX XXXX account # XXXX ). Please have this info updated ASAP as this will affect my ability to obtain an loan. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I mailed my check # XXXX for my XXXX credit card statement to XXXX 's XXXX XXXX and paid it in full in the amount of {$150.00} on XX/XX/XXXX. My check was ELECTRONICALLY cashed by XXXX   XXXX XXXX on XX/XX/2020, as seen on my bank statement. However, XXXX 's XXXX XXXX NEVER credited my account for the {$150.00} I paid. I contacted XXXX 's XXXX XXXX twice in XXXX to try to correct this problem via phone. I faxed them in early XXXX and mailed them on XX/XX/XXXX, the info needed to correct the problem. I included a DUPLICATE check ( my checks are 2 ply ... .my original check did not come back to my bank due to XXXX XXXX submitting my check electronically for payment ) along with my bank statement showing XXXX XXXX was paid {$150.00} and a copy of my credit card invoice. In the meantime, XXXX 's XXXX XXXX sold to Cemenity Bank. I received a XXXX Statement from Cemenity Bank with a balance of {$220.00} ( this is from XXXX   XXXX  XXXX {$150.00} plus accruing late fees ) I contacted Cemenity Bank, twice by phone in XXXX, and mailed a letter to them on XX/XX/XXXX, hoping they could help resolve this problem. I received two letters back from Cemenity Bank and one letter back by XXXX XXXX, both stating they needed the copy of the original check front and back showing it was cashed. Again, that is not possible. XXXX XXXX submitted my check ELECTRONICALLY. The check is retained by the payee who submitted it electronically. You will see on my bank Statement on XX/XX/XXXX, check # XXXX was presented electronically with the payee stated as XXXX XXXX XXXX. My bank, XXXX XXXX  told me that XXXX XXXX XXXX can call them and they can confirm that XXXX   XXXX XXXX was paid, but they can not provide a cancelled check due to XXXX  XXXX electronically submitting my check. Cemenity Bank is saying I need to talk to XXXX XXXX. XXXX  XXXX is saying they sold the credit card to Cemenity Bank and are no longer showing me as having their card. I feel like nobody is able to help me. I just attempted to resolve this again by placing a call into XXXX XXXX who now says they do not have credit card numbers that exists starting with an 85 ... So they do not show me in their system any longer. They conveniently took my money and did not apply it when they sold my card to Comenity Bank. This is so frusterating. XXXX XXXX XXXX has been paid. But has reported to Comenity Bank that I have not paid my balance due ... This is such bad business practice. Hoping it is just an error that can be found ... but thinking this may be how they do business to make money! Can you please help me resolve this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today  XXXX   XXXX ,2017, I attempted to call the customer service line listed on my bill in order to pay my mortgage over the phone. What I got instead was some sort of scam with regard to a free gift requesting credit card information. Repeatedly I asked to be put throug h to SPS S ervicing located in  XXXX   XXXX   XXXX , Utah. I was told this was a marketing tool used to advertise for the company, and despite my objection due to a waste of my time. The perso n (   XXXX   ) p robably not his real name, continued to ask questions. When he got to the portion about me submitting money for the free gift I was due and I said no repeatedly. He hung up and aft er 15 r eturn calls was not able to get Customer Service in order to pay my  XXXX  Mortgage. This is more than just shady dealings. This is mis-representation, false advertising, and poor customer service. While I do agree that business has a right to advertising, this is not the way to do it. I feel that I have no way to contact the company that has the most important purchase made by me.     Please Help  XXXX   XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Case number : XXXX Related Case Number : XXXX I received the following : Response not disputed XXXX XXXX XXXX, XXXX said : Explanation of closure Reinvestigation not conclusive ; we are removing the complainant 's name from the account and deleting him from our reporting. We will confirm this to him by letter. 



Response We are in receipt of the affidavit. Since we have had no response to our request for reinvestigation at our client, we are assuming the second account in question is an unadjusted duplicate and closing it. We removing the complainant 's name from the other account and ordering his name deleted from all national consumer reporting agencies to which we furnish data. 

Since the resolution the entries were removed from my credit, but have since been re-listed with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
USAA statements hide ALL CREDITS INTERNALLY SO I CAN NOT UNDERSTAND THEM WHEN I CAN NOT VIEW THEM I DO NOT UNDERSTAND HOW 1 ) Temporary Credits are DEDUCTED the Same Day they are CREDITED?? How does this work? 2 ) Why do Temporary Credits ( not made permanet yet ) TURN INTO NEW PURCHASES?? ( +1 ) credit + ( -1 ) credit = ZERO CREDITS AS IN NONE.How does USAA USE TEMPORARY CREDITS TO CREATE NEW PERMANET PURCHASES? How does ZERO NONE CREDITS BECOME A NEW PURCHASE?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've sent several letters out to XXXX regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

In XX/XX/2021, I noticed that an account with XXXX XXXX XXXX  was reporting on my credit report. I immediately contacted the credit bureaus to understand how and why this account was on my credit profile. However, to no avail, despite the evidence and written attempts expressing that his account was not mine and that this is a sign of identity theft. I was told that the account was accurate and verified and that I would have to take it up with XXXX. After almost eight months, of informing XXXX that this account is not mine and that someone used my identity to open this account. XXXX continues to report this account to the credit bureaus and refuses to have the account removed from my account. As of today, the account is reporting as a charge-off and affecting my credit score dramatically. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation