BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I attempted to pay off a mortgage loan with Chase. The loan number is XXXX. I sent XXXX personal checks to Chase to pay off the loan. XXXX was for {$13.00} and the other for {$41000.00}. Chase should have received these checks on XXXX XXXX, 2016. On XXXX XXXX I called my bank to determine if the Chase checks had cleared and found out the smaller of the XXXX checks had been paid by my bank. I called Chase to determine why the larger check had not been presented for payment and was informed since this was a pay off they needed a cashier 's check. I then went to a Chase branch here in XXXX to see if they could assist me in getting Chase to present the check to my bank and the Chase brance was told a cashier 's check was needed. When I first talked with Chase I was also ; told Chase would mail back tome the larger check and the Chase employee at the XXXX branch was told the same. I then went to my bank and obtained a cashier 's check and took it back to the Chase branch in ; XXXX and received a receipt. On XXXX XXXX I called my bank to check on the balance in my account and found our Chase on XXXX XXXX had indeed presented my large check for payment which was returned to Chase for NSF as the monies for the payment had been withdrawn when I obtained the cashier 's check. I then called Chase to determine why they had presented my check for payment when they said they would mail it back to me and it was supposedly against their policy to accept a personal check for a pay off. No one at Chase had any explanation of why this happened. 

Then adding insult to injury Chase again presented my personal check to my bank on XXXX XXXX which was paid by my bank but created a negative balance in my account. ; After I wen t to my bank that check was returned to Chase NSF. On XXXX XXXX I received a letter from Chase dated XXXX XXXX informing me that my loan was paid off which it was on XXXX XXXX. 
I have spent more than 5 hours attempting to get this matter resolved with Chase including in 3 trips to their XXXX XXXX and 3 trips to my bank to clear up the NSF issues created by Chase It would appear to me that if Chase does in fact have a policy regarding only the acceptance of a cashier 's check they should follow it. Also I should have been able to rely on the representation by Chase employees that they were going to mail back to me my check and not present it to my bank for payment Further why Chase would present a check for a payoff on XXXX XXXX when their records showed on XXXX XXXX the loan was paid in full can not for any reason be justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
In accordance with the Fair Credit Reporting act XXXX Account first premier, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose payments are not correct

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 2022-11-14
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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose payments are not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Self Financial Inc.
State: PA
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:
Self/ Lead posted a late payment on my report after calling to explain to them that it was a mistake on their behalf. When signing up for the account I put the account on auto pay to be automatically deducted from my account in the amount of {$25.00}, at the moment the bill was due and on a consistent basis I hold hundreds to thousands of dollars in my account. They failed to post my payment as outlined within the Fair Credit Billing Act and therefor has violated my rights. Please remove this late payment for it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: RFNA, LP
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I lost my job so I was unable to make payments on a Republic Finance loan. They obtained a judgment against me and cleared XXXX my bank accounts. They have sent me an offer letter and I have accepted, twice. The first acceptance letter I sent was by regular mail and the second was by certified mail. They have yet to respond to either ; however, they do continue to update my credit report negatively. I just want to settle this debt before damaging my credit further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have wrote to each credit reporting agency and also called. They did not provide me with any information or help for these unauthorized inquires : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/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 2021-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Spoke to a supervisor today named XXXX from the Arizona call center. I advised that I have a pending CFPB from Bank of America regarding the lackluster service I have been receiving. I wanted the {$12.00} credit on my checking account in which she refused to adjust. I terminated the services. Now I see an {$8.00} charge under my savings. I need the {$20.00} to be adjusted if not I will file a complaint with the New York State Banking department. I have been trying to contact XXXX XXXX ( XXXX XXXX ) to no avail. The previous CFPB is 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 monetary relief
Consumer complaint received 2015-08-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have submitted numerous requests for verification of my accounts with XXXX XXXX XXXX, and Experian, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: MARINER FINANCE, LLC
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: Reporting company used your report improperly

Complaint:
Mariner Finance # XXXX The above-aforementioned company has violated my rights. 

15 U.S.C 1681 section 602a states that I have a right to privacy.

15 U.S.C 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: NJ
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 am requesting that XXXX XXXX XXXX XXXX. remove XXXX x 30 day late dated XX/XX/2020 from XXXX, XXXX, Experian. This payment " late '' due to 2 extenuating circumstances beyond my control & directly attributable to XXXX XXXX XXXX XXXX XXXX actions. As usual, I attempted to hand deliver my mtg.payt.to the XXXX XXXX XXXX XXXX branch on - however, XXXX XXXX XXXX would not allow clients to enter the branch & would not accept my payment thru the locked door. I tried another branch the next day & had the same result. XXXX XXXX XXXX XXXX locked & refused payment slide under door. 
I then attempted several times to send mtg. payt. via electronic funds transfer. XXXX, the bank that I write checks from, ( formerly XXXX ) was in the process of being taken over by XXXX XXXX. Unknown to myself ( or any customers of XXXX ), XXXX had started to transition/change routing # 's. My electronic funds transfer attempted mtg.payt. was rejected several times due to XXXX not accepting the existing XXXX routing # which I had for 40+ years. I went to the XXXX branch, explained the issue & was provided with an incorrect new routing #. The eft failed again. ( XXXX employees were unaware that XXXX had started the change over ). I finally obtained a correct XXXX routing # & the payt. was processed. 
These circumstances are beyond my control. I should not be held responsible for XXXX XXXX XXXX refusing an on time mtg. payt. XXXX bank acquisition changing of routing #. ( Note : XXXX said they would have honored the mtg.payt.check with the old routing # if XXXX XXXX XXXX had accepted my check with the XXXX routing #. ) I have provided attached evidence of my contact with XXXX XXXX XXXX ( no response ), letter from XXXX admitting XXXX did not recognize their own routing #, and I that I had sufficient funds. There is an error ( of course ) in the XXXX letter. The routing # change began in XXXXXXXX XXXX, it was completed in XX/XX/2020 as stated in the XXXX letter ( they are a mess ). I have provided documentation of XXXX takeover of XXXX, proof of multiple attempted mtg. payt.s prior to the due date. 
Please feel free to contact me re : questions, comments or additional documentation. 
Thank you for your assistance with 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 non-monetary relief
Consumer complaint received 2016-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When I first signed up for Bank of America card, they gave me what was called " XXXX XXXX for Students ''. They told me there will be NO monthly fees, NO yearly fees, NO restrictions of how many deposit I should make, and NO HIDDEN FEES, that is what I signed up for. I noticed in past few years that my checking account amount continues to decline, but I never could figured out why. When I noticed my checking account goes into negative outstanding balance, I decided to do investigating and found out that BOA has been deducting hidden monthly fees {$12.00} of what they called " Monthly Maintenance Fee '', which also caused overdrafted because of this monthly maintenance fee which caused my balance goes into negative. I immediately called BOA today, got transferred three times while explaining to three different agents, and finally transferred to higher-up supervisor name " XXXX, in PA XXXX '' XXXX PST on XXXX XXXX, XXXX. She acknowledged that I signed up for XXXX XXXX, she explained it 's no longer exists in BOA, and that after 5 years of XXXX XXXX, it will become " normal account '' due to age or no longer as a student. I told her I never knew about this, I was never notified, and I never opt-in for this new policy from " XXXX into Regular Account '' after five years, I demanded where is my opt-in agreement and she could not provide me XXXX. She acknowledged that I have not opt-in for this new change on my XXXX XXXX XXXX account, she said " the best I can do is give you back three months of {$12.00}, which means you will get back {$36.00} ''. I demanded full refund because I never opt-in for this new change policy, never submitted to monthly maintenance fees. She said her hands are tied, but she 'll submit my report case to much higher up in the Bank of America Corporation. I told her I will file complaint to Consumer Finance Bureau, she said I should do that too as well, because her " hands are tied ''. She repeatedly tells me that the best she can do is give me back three months worth of Monthly Maintenance Fee ( total of merely {$36.00} ). They started deducting this hidden fee since XXXX, I calculated to total of {$490.00} they took me! It 's no wonder why my checking account continues to decline, I demanded full {$490.00} refund, and she said to file CFPB report because there 's nothing else she can do for me. She probably thought I wo n't do it, but I know my rights!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, I purchased a home through a third party lender. The loan was purchased by Bank of America. Bank of America foreclosed on the property in XXXX XXXX, but continued to show late payments on the mortgage until XXXX of XXXX on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2015 CREDIT ACCEPTANCE CORP furnished a loan under account number XXXX with a balance of {$4200.00}. In addition to that, they have violated my FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) consumer rights ( XXXX ) False or Misleading Representations ; I have disputed this account due to their inaccurate reporting in which they were asked to produce an original copy of the document bearing my signature stating that I'm indebted to them and they have not ; in addition to that, the FTC ( FEDERAL TRADES COMMISSION ) stated that abbreviating or truncating information of any kind is considered inaccurate and unverifiable in which the FCRA ( FAIR CREDIT REPORTING ACT ) states an account shall be removed if it is considered Inaccurate, Unfair, or Unverifiable.

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 2022-11-14
Company: TrueAccord Corp.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I just received a debt collection email on Sunday  XX/XX/22 at XXXX XXXX  CST. This is outside of the debt collection hours as well the email signature of the alleged company representative says they work Monday thru Friday XXXX EST. Therefore its actually XXXX XXXX  EST. 

Also on XX/XX/22 I received an email from the same representative XXXX XXXX at XXXX XXXX  CST.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Applied for credit with Honda Financial Services and other lenders and denied. Yet, I can take out $ XXXX worth of student loans and my credit score was never evaluated. Further, such student loans have been satisfied and yet I still can not purchase a car from a reputable dealership.

And, please do not start with this credit score XXXX  ( XXXX XXXX XXXX XXXX but this is just another construct or barrier to entry that makes simple, mundane tasks ( going to work, dropping kids off at school, going to the grocery store ) impossible for the financially disadvantaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Dyck-O'Neal, Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We signed an agreement for the Debt Collector DYCK O NEAL. This is handled through there attorney. We have been making payments and are getting a negative report on our credit report. This is not a loan but a debt related to real estate. We feel this account is not being reported correctly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXXXXXX Account # XXXX Account name XXXX XXXX  Account # XXXX Account name XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account name Upgrade Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-14
Company: Child Support Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe these people anything. They are fraudulently trying to collect debt that I do not owe. This not mine and it needs to be removed immediately. I paid this lady before I left her XXXX office. You cant even leave her office without paying. So how In the XXXX is she trying to collect money from me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Flagstar Bank, N.A.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, my mortgage with Flagstar was paid off as part of a refinance process. According to their records, Flagstar issued a refund of the escrow balance on XX/XX/XXXX. 

On XX/XX/2021, having still not received the check ( or receiving notice that it was actually mailed through USPS Informed Delivery ), I called Flagstar to follow up. The customer representative claimed that company policy was to wait 3 weeks after the initial check for a reissue. 

On XX/XX/2021, I called in again and a customer representative claimed that they could then put a stop notice on the previous check and issue a new one, and gave a reference number for the process. However, the timeline that they provided was that it would be another 3 weeks from that point for the check to be processed, and then additional time for mailing. 

I do not believe Flagstar has the processes in place to comply with 12 CFR 1024.34, which requires refund of escrow balance within 20 days of a borrower 's payment of a mortgage loan in full. I still have not even received the earlier check that Flagstar claimed to send in XXXX ( or seen it appear in USPS Informed Delivery ), so I doubt whether it was ever sent in the first place.

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