BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-23
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is scheduled for foreclosure sale in XXXX. I have been trying to do a modification on my home for months now but to no avail. Please assist me as I am trying to save my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
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: Personal information incorrect

Complaint:
I have asked for my personal information to be updated. The information is wrong I have a business address on my personal information that is not mines.

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 2020-03-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage with CHASE with Loan # XXXX for our homestead property. 

We received yesterday a letter from CHASE letting us know that they have sold our loan, and it is been transferred to XXXX XXXX XXXX ( XXXX ) starting XX/XX/2020. 

We review online XXXX and found that XXXX XXXX XXXX is a loan servicing company based in XXXX XXXX XXXX, Utah, with an additional office in XXXX, XXXX, XXXX is not accredited by the XXXX XXXX XXXX ( XXXX  ) and has received hundreds of complaints for billing/collection problems and potential FDCPA violations. 

Immediately we call CHASE customer service ( XXXX ) spoke with XXXX XXXX and ask them to please dont go ahead with this transferring of this loan in this particular moment with the COVID-19 that is affecting everybody and we are loosing income, and in case that we are not going to be able to pay the mortgage in the near future, by sure the investor XXXX  is not going to help us with this matter as CHASE is able to do it, and has done in the past when we were affected by a hurricane and CHASE allow us to defer some payments. 

Our complaint is that the CHASE is not taking care of their customers in this COVID-19 time, they are choosing the worst moment to sell our loan and let us unprotected in difficult times, and we are really on panic that this transferring of our loan may conduct to a future foreclosure of our home Attached please find letter received from CHASE wit this disturbing announcement to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: MA
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, XXXX XXXX the consumer have sent multiple dispute letter to Equifax stating the removal of all accounts attached to my credit file. Apparently the do no follow the Fair Credit Reporting Act because information put on my report that I never gave written consent for. At this stage in my life I am starting a family and they have me XXXX up, I would like to purchase a house but because of my credit report it is causing me great stress just to get help purchasing it. I recently sent the another notice as of XX/XX/21 via certified mail, including a bill of particulars in the amount of 48,000 $ for multiple violations that have occurred. The blatant disrespect to me as the consumer has given me no other choice but to file this complaint. They are not following the upholding Fair Credit Reporting Act at all. It is not fair to me and my family, this is the last step I take before going to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am filing this complaint against Citibank, I received a grant from the Small Business Administration due to the COVID pandemic. The money was deposited into Citibank and they closed the account. I have provided all the requested proof they requested concerning where the money originated from and Citibank has refused to cooperate with me to have access to my funds. I contacted Citibank and they will not talk to me about this problem, and it has been ongoing since XX/XX/2020. The total amount of the money is {$15000.00}. A deposit of {$5000.00} in early XXXX and a second deposit of {$10000.00} on XX/XX/2020. The account number is as follows : XXXX. XXXX XXXX, is the name on the above account, and my email is as follows 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 2022-08-16
Company: Experian Information Solutions Inc.
State: SC
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:
My student loan was being serviced by the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, however my loan has been transferred to a different servicer and is currently not in collections, so this needs to be removed.

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 2019-11-27
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
There has been a mistake in billing in which XXXX has already resolved for me and cleared off my balance owed in my account, XXXX also notified Aargon that I have {$0.00} balance in my account but after 3 weeks Aargon still told me that I owed them money, they are trying to scam and harassing the consumer for money they don't owe.

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 2022-02-01
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX {$710.00} CB XXXX XXXX {$0.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX BANK XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX {$0.00} FXXXX XXXXXXXX XXXX {$500.00} XXXX XXXXXXXX {$140.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day peXXXXod beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2020-03-18
Company: EQUIFAX, 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 status incorrect

Complaint:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Americas Car-Mart, 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: Account information incorrect

Complaint:
Hello on my credit report it shows the original balance is {$10000.00} but on my contract when I bought the car it shows the original balance is {$10000.00}. XXXX you please help me get this removed from my credit report since its inaccurate. Thank you kindly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: DriveTime
State: SC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
DRIVE TIME, INC leasedMANAGER XXXX XXXX XXXX, XXXX XXXX, XXXXMAIN ADMINISTRATIONFOR LEASING DEPARTMENTLEASED CARS ARE A LEMONXXXX.XXXX REFUND WANTED BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Someone opened an account in my name ( stole identity ) and opened account with Bank of America. 
This was on or about XX/XX/22. 
I contacted Bank of America fraud protection soon after. 
They filed a fraud report and sent me an affidavit electronically. I filled and returned it within 2 days via us mail. 
I continue to receive account statements over one month later. 
The statements show someone named XXXX XXXX took one dollar out. on XX/XX/22. 
They show 2 XXXX transfers in both on XX/XX/22. 
XXXX XXXX conf # XXXX, name of XXXX XXXX. 
XXXX XXXX conf # XXXX, name of XXXX XXXX. 
I'm waiting for the process to complete but I continue to get emails and bank statements from Bank of America. I sent in the required affidavits 2-3 weeks ago ( XX/XX/XXXX ) but they continue to say they have not received saying that 'the mail may be slow ' etc...

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 2017-10-14
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: Account status incorrect

Complaint:
On XX/XX/XXXX I called XXXX and made a verbal forebearance request on my student loan account due to financial hardship. At that time I received verbal confirmation that my request was approved for forebearance on student loan Accounts by XXXX XXXX XXXX XXXX XXXX for the period XX/XX/XXXX - XX/XX/XXXX. However, XXXX reported 38 delinquencies on my account to the 3 major credit reporting agencies : XXXX, XXXX, and Experian, for the Months of XX/XX/XXXX and XX/XX/XXXX. I 've contacted both XXXX and Credit Reporting Agencies several times verbally and in writing requestion that the erroneous entries be removed but to date they have not complied. XXXX has been resorting to the tactic of stalling by requesting documentation of general correspondence which they already have in their possession since all requests and notification are stored for access on their website.

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 2015-09-15
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My wife passed XXXX XXXX, 2015 after 2 years of sickness. Our truck was in her name and I tried to take over the payments. I asked the loan office to put the loan in my name so I could make the payments. They told me they would need 3 weeks to do the paper work but in the mean time I should continue to pay the loan XXXX $ XXXX/month XXXX and the insurance. They faxed the paperwork to me so that I could switch the loan into my name and they told me it would take 3 weeks. I filled out the information and sent it back immediately. Again they told me it would take 3 weeks. I called every week for the last 2 months, checking the status of the paperwork. After weeks of calls, they finally told me they sent the paperwork to me through XXXX. 2 weeks later, I did n't receive the paperwork. Last week, the week of XXXX XXXX. I called and told them I did n't want the truck anymore because they had n't changed the name on the loan. I also requested the payments that I made be returned to my account. After that, they transferred me to someone who told me that I would not receive money back because I made voluntary payments when -- in reality -- they TOLD me to make the payments while they did the paperwork. I informed Ally that since XXXX XXXX I was unable to use the truck because the license plate and the registration was expired. I could n't register the truck where I live now because it was in my wife 's name. I was unable to use the truck to go to work and therefore lost money by continuing to pay the loan and insurance. The lack of immediacy in Ally 's response to my request cost me to get a used car just to get around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have reached out to TRANS UNION on several occasions concerning this matter. On XX/XX/2022, I sent TRANS UNION another certified mail letter with a copy of my identification card, requesting they remove a name that does not belong to me and more personal information be removed for privacy purposes from my consumer report and I have yet to receive a response. 
TRANS UNION is in violation of my rights as a Federally Protected Consumer.

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 2017-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called Transunion Credit reporting agency and talk to a representative regarding unauthorized inquiries and the rep was very rude and just would not cooperate and understand my sense of urgency regarding this unauthorized inquiries. 
Please find below a list of the inquiries : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX In addition to the above there is a XXXX credit card that is reporting as a 30 day late payment, and I have never made late payments. Below is that information. 
Negative Accounts Closed Accounts XXXX XXXX TransUnion XXXX Account Type : Open Account Number : XXXX Payment Responsibility : Individual Date Opened : XXXX Balance Date : XXXX Balance Amount : $ XXXX Monthly Payment : High/Limit : {$3000.00} Account Status : As Agreed Past Due Amount : {$0.00} Comments : LAST REPORTED DELINQUENCIES : XXXX ACCOUNT CLOSED BY CONSUMER Hide Details XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I would appreciate you immediate attention to this matter.

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 2020-03-18
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:
I have asked for my personal information to be updated. The information is wrong I have a business address on my personal information that is not mines.

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 2022-03-26
Company: Experian Information Solutions 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 information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Fraudulent inquiries and inaccurate account information

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 2016-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have submitted proof that certain accounts are not mine and these accounts have not been taken off ( XXXX ). I have also disputed XXXX Credit Card account because it says I have paid late but I have submitted proof that I was not late on the account. There are other accounts I have disputed as well but they do n't verify the information and they do n't even look at the proof I have submitted. This is frustrating. I would like to buy a house and with this incorrect information on my credit report it is impossible to do so. XXXX has already removed the XXXX yet XXXX and Transunion have not. I have submitted the same proof to all 3 credit agencies but it is clear that they do not even take time to look at the proof. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that have been posted on a credit report. Countless times I have fought with the credit agencies but have made very little progress. Even with the proof I have submitted it is still ignored. There are also other accounts that I never opened. I am trying to be proactive and tackle this before I hire an attorney to go after these credit agencies. Because the XXXX website only shows payments made during the current year I am unable to print off the proof of on time 2015 payments.

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 2022-03-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a {$20.00} purchase that got classified as a cash advance on XX/XX/XXXX. I then made a payment for {$1500.00} on XX/XX/XXXX ( my minimum payment was about {$50.00} ). The amount I paid over the minimum was supposed to be credited towards the cash advance but it wasnt. When I spoke with the credit company on XX/XX/XXXX, they said I need to make another {$20.00} payment. When I tried to make a payment online, it wouldnt allow it saying Ive made too many payments from a non-Wells Fargo account for the month. Im currently paying interest on the cash advance balance even though Ive paid more than enough to cover the purchase

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