BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America. Has my accounts, the company is the trustee too my account as trustee and XXXX XXXX is the personal management trustee. Both them been the same. From old owner. XXXX XXXX XXXX .... business estate address in the year of XXXX/XXXX/XXXX ... ... .. XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX they have 3 account for me in the bank for these business. Too me ether owner CEO .or trustee heir executive finance .I am name both employer and employee heir in this issue. ... XXXX XXXX. Has it on file, in the year of XXXX. Public contract filed in year of XXXX, Under address XXXX XXXX XXXX XXXX ga. And filed under address XXXX XXXX XXXX XXXXXXXX ga in year of XXXX, and filed in year XXXX, XXXX XXXX XXXX XXXX ga and XXXX XXXX XXXX XXXX ga, tittle exam on the business and and addresses. Will revill I am beneficiary owner, ,and heir aka employee heir, too all the information in this text. I want CPA accounting too all 3 business account in this text. ... start with addresses XXXX XXXX XXXX XXXX ga, XXXX XXXXXXXX XXXX. And XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX XXXXXXXX XXXX It says XXXX XXXX XXXX. That bank of America is the trustee and XXXX XXXX is the trustee both the same in the issue. A trustee pooling agreement .sign by both party too delivery too me all the good. Which the release date is pass due .too all of this. Also XXXX XXXX and XXXX XXXX. ... XXXX XXXX and bank of America is trustee for me .give me my company deeds and bank account and CPA accounting that is pass due .the IRS is send me my bills .the taxes has not been paid sense XXXX. A legal notice too quit. Not too give me my account. Also .if my account is says executive finance officer heir. Then give me my payckecks .if my account is say owner of all of this then give me my deeds too the company and bank account .also get a hold of the companies attorney so they can contact me and the agent that is listed for the issue too. It is a pandemic out here. I have completed the 22 long years of wait .like the old owner said. It was hard out here too do. ... ... tittle exam from the year of XXXX - XXXX XXXX XXXX XXXX ga. ..I been txt message bank of America on XXXX XXXX They all ready no the issue. ... foward this message too bank of America trustee division .so they can dig up my company account. Bank of America is trustee for me on all the information in this text. Filed also in year XXXX address up too year XXXX. XXXX XXXX XXXX XXXX ga XXXX XXXX... XXXX bank of America just text my XXXX XXXXunder my name of XXXX XXXX XXXX ga XXXXgreen boots on the face. Cover.

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 2021-06-24
Company: EQUIFAX, 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 information incorrect

Complaint:
I have contacted the company within several months disputing the inaccuracy in their report under my social security and did not get a respond. I finally contacted CFPB and filed a complaint against the company on XX/XX/2021 and they still did not address the problem and I still see that they are reporting my personal info inaccurately and accounts that its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: NEXA Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We recently closed on a house and used Nexa for our mortgage. It came as a referral so we were excited to use them. 

Our closing got delayed and during that delay, we were told multiple times to not lock in our rate. 

I attached texts that outline the communication. On XX/XX/XXXX and XX/XX/XXXX at XXXX we were told to wait a few more days until it drops under XXXX. 

On Monday XX/XX/XXXX we were told it looks awfuland was now at XXXX, and we were told she was " def not locking at XXXX. '' We were told by XXXX XXXX that we could have locked in at any time with our mortgage broker XXXX XXXX, which is true, but when your broker specificallytells you they are not going to lock you in at a number, I find it hard that any buyer is going to push back. 

We were then told by XXXX that it was at XXXX and that it was not predicted to go lower. At that time we locked in with under a week until closing. 

We are now paying close to .5 % higher than we would have been if we were given the correct advice and don't feel great about it given Nexa'sfiduciary duties to their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: LJ Ross Associates
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from LJ Ross on or around XX/XX/2018 attempting to collect a debt from XXXX. I mailed out a letter requesting LJ Ross to provide me with the contractual agreement between LJ Ross and myself on XX/XX/2018. I requested that they send me that contractual agreement within ten ( 10 ) days of receipt. They received the letter on XX/XX/2018 and as of XX/XX/2018 I still have yet to receive the contractual agreement between LJ Ross and myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: DC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2017, Equifax announced that the data of 143 million Americans had been stolen. They have indicated that my data is likely included in this breach. ( https :  //www.equifaxsecurity2017.com/ ) The negligence here is astounding. Now, both time and money will be taken from me as I set up security freezes with the 3 major credit reporting companies in order to protect my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
In XX/XX/XXXX I paid the mortgage at the end of the month which it was not 30 days past due and the company reported it as 30 days past due and when I wrote a letter for them to fix it they told me to go to the credit bureaus that it is their problem and the credit bureaus said it was the mortgage company that had to fix it. I havent been 30 days late and I would like this to be rectified and since the mortgage company and credit bureaus will not help I am seeking your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1 ) I was sent an offer to get a {$100.00} gift card if I could find a better refi offer than theirs. I did but the refused to send me the card. I contacted them several time and never got the card. The person in charge said that she would send it but didn't. Everyone I talked to said that she is the only one that could do so.

2 ) Caliber Home Loans Sent me a check fo {$1600.00} but didn't tell me what it was for so I pu
t it into my saving account for my taxes and insurance. They made it very hard for me to contact them it took several calls and then you had to click several times to get to a person. I received a notice from the property tax office telling mr that my taxes were late and i received a fine for {$190.00} because Caliber didn't pat the balance with the check that they sent me or tell m they were due. I felt that they should have notified me that was a payment due and the check was t pat it or sent the payment.

3 ) For the past several year they have been sending me a request for a shortage fee. This year it was for {$530.00} other years it has been for {$300.00} or more. I have never had a mortgage company send me a short fee more than once in the pass XXXX  years and i have had XXXX other companies that I have done business with. I feel that they nave not don't their business in a fair and professional manner. There have been several other issues with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
They are keep debiting my Checking account without my permission its a fraud by BBVA Even they debited my account on XXXX XXXX for {$140.00} and {$12.00} Please reverse this unauthorized debited funds asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing due to this agency, XXXX XXXX, showing up on my credit reports on XX/XX/XXXX & today XX/XX/XXXX. I have no knowledge of this account or debt and have never done any business with this  company. I am disputing that I owe them anything. This is reporting negatively on my credit profile as an open account and I would like it removed as it is reporting to the Credit Bureaus and negatively affecting me, an unfair. This information was also shared illegally without my informed consent. I would like this collection agency and any associated debt removed immediately due to it reporting to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and possibly XXXX in the future, and it is negatively affecting my credit report. 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 explanation
Consumer complaint received 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion continues to violate the FDCPA as well as my Consumer and Civil rights. They are continuing to report a unverifiable, erroneous Public Record on Consumer Report. They have been repeatedly Lying about Verifying this. I have sent them the proof that someone in their company is lying. I need them to FOLLOW THE LAW and remove this Defaming account off 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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transunion is continuing to report a collection account that they can not verify after being asked several times. 

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 2022-06-18
Company: Nelnet, Inc.
State: CA
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:
Good afternoon, The account is in deferment until XX/XX/2026, but the credit bureaus : XXXX and XXXX keep reporting it back as open. I would like this to be properly reported as deferred and not open. Thank you. I have included the deferment letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: CA
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:
I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES AND I WANT YOU TO DELETE THEM OFF MY CONSUMER REPORT IMMEDIATELY, LISTED BELOW ARE THE INACCURATE ACCOUNTS. 

XXXX XXXX BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX BANK XXXX XXXX $ XXXX CLOSED, ACCT # ( INACCURATE ) XXXX, LAST PAYMENT ( XX/XX/XXXX ) ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE, LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX $ STATUS CLOSED ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/XXXX ) ( EQUIFAX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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: Personal information incorrect

Complaint:
To Whom It May Concern : I have attempted multiple times with the credit bureaus to correct the spelling of my name and my address but unsuccessfully so.They have also been actively adding an old addresses that I am NO LONGER associated with especially Transunion. All my Old Addresses are on my report as Current, that should NOT be.I ca n't update my address on XXXX XXXX because Transunion, I get a message that says Transunion has my address as the such. My job is reported without my knowledge as well. Please remove it. I do not want any reporting of my place of work current or previous to on my accts. Please remove them. 

I now asking for the CFPB to assist me with getting this taken care of once and for all. 

My Legal name and how I address and sign myself & name on all Legal documents are as such. 

XXXX XXXX XXXX XXXX has my name spelled incorrectly ( XXXX XXXX XXXX ) and it does n't matter how many times I call and give the correct information it, I am told that it will be updated but it NEVER happens. 

My Current Address and the ONLY one that should be on my Credit Report as as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please I am asking you to help me get this corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

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 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
As of XXXX2017, I learned Equifax has mishandled and was blatantly negligent with my personal information, up to and including my Social Security Number, address, phone number, name, and any other information pertaining to my credit and identity security. I learned through their website that, due to their negligence, my information has been compromised. As it is completely unacceptable, I wanted to forward this official complaint in hopes that the situation will be rectified and they will receive the full penalty of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I am trying to refinance my property and this is what i found out once i was going through the process. I have my current loan with Loancare, last year 2020 my mortgage was in forbearence for the total of 1 year. And when we resumed the payments after the year we were told that the amount will be deffered and put towards or loan and thats it. Nothing else complicated and we chose that option. But now i am finding out that they have put a lien towards my property and it not recorded as deffered and how they explained. On the top of that that have recorded it double the amount. No one in Loan care can explain. I really need to refinance but this is killing me with no explanation.

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 2021-12-06
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a forbearance plan due to XXXX for 18 months. US Bank sent me a packet to fill out and return to accept the offer of not being charged interest and add the amount that was excused to the back of the loan. The paperwork was filled out and sent. I went to pay my XXXX  on the XXXX of XXXX and the system prompted me that it was not accepted and to call a number. At that point they told me that they sent out the wrong paperwork but then sent the right paperwork later. I was unsure of what they were talking about. So now that they sent the wrong paperwork that was sent back to them in a timely matter they're saying I don't qualify for these terms anymore. I spoke with a XXXX who was a XXXX there and seemed like he was a new XXXX in training. I don't have the money to pay the interest and penalties from the forebearance. I needed this option. Please help us. XXXX of us in the home have XXXX  right now.

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 2020-07-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2021-11-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I asked chase bank customer service to cancel some charges made on my debit card to two online merchants. I believe the merchants were XXXX and XXXX. The amount of the transactions were approx XXXX a piece. Chase refused to cancel the pending transactions.

Company response to consumer: Closed with explanation