BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) 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 2021-12-04
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received a letter from Central Financial Control regarding a debt from XX/XX/XXXX.  I requested verification because I do not recall services from that hospital on that day and that send me a letter that has my previous name on it with a signature that does not look like mine. So they said they billed XXXX XXXX XXXX XXXX but I called them today and they said they do not have any claims submitted from that time. Also this company is claiming they sent me notice before I was placed into Collection but I never did. My secondary insurance XXXX XXXX was not billed either. This company is reporting false information to the CRAs and they said in their letter they will NEVER remove the Collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Community Loan Servicing ( previously Bayview Loan Servicing ) does not have any idea what is going on with my mortgage. They will not accept payments. They will not give me access to COVID relief mandated by law. They will not return calls or emails.The amount of XXXX Community Loan Servicing, XXXX XXXX and his cohorts have bestowed upon me and my family is inhuman and unlawful. Loan modifications, deferrals and repayment plans are all clearly mandated by law and just as clearly ignored by XXXX and the company he manages. Their one goal is to profit on the weak and those that do not have the knowledge or abilities to stand up for themselves. I had to demand to talk to a supervisor for over an hour while I listened to the " ASSet managers '' try to convince me to short sell my home. I have the money to pay my mortgage but XXXX and Community Loan Servicing will not accept it. This is the second time I have had to involve a third ( oversight and regulatory ) party just to keep XXXX and Community from taking my home and putting my son and I on the street. I don't have words for the amount of shame I feel for even being the same race as XXXX XXXX and the employees of Community Loan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received a letter over the XXXX XXXX holiday weekend asking me to call Discover by XXXX XXXX to get information about a settlement amount I am owed. Obviously, because of the dates, I was not able to comply with the letter, so when I called today, they said I had to reach out here to get information.
<P/>
Account Number on the letter is XXXX My Info : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX I would like to understand what I am entitled to under the Consent Order with the Consumer Financial Protection Bureau. I never received the check referenced in the letter.
<P/>
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: JPMORGAN CHASE & CO.
State: PR
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:
The credit card service is poor. They dont comply with the requirements as a visa signature member. I opened a dispute on XX/XX/XXXX with the dispute number : XXXX and chase bank dont do nothing to resolve the investigation that I explained them over the phone and faxed the documents to them and they dont do nothing on the dispute. They dont comply with the visa signature customer protection. This is the worst credit card I ever had. They even dont contact the merchant to the dispute. I reopen another case on XX/XX/XXXX with the dispute number : XXXX and they requested another letter requesting what happened on the car service, I send the letter to them and they dont investigate nothing. I dont recommend this bank to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: IL
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:
CRA is in direct violation of FCRA, FDCPA and Metro 2 Compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27
Company: LJ Ross Associates
State: OH
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 Notice of Amount Due from LJ Ross Associates, Inc. dated XXXX XXXX, 2017 for {$97.00}. The notice does not look like a valid collection notice, my name was spelled incorrectly, address incorrect, and the Current Creditor, XXXX XXXX XXXX, was a name of a utility company that does not exist nor have I used in the past. When I called within 30 days to ask for validation of the bill, they refused to validate and would only make statements that were false and inaccurate. The dates and circumstances that they cited with regards to verification of this event were inaccurate. They gave me an incorrect creditor and I feel that this entire collection notice is false and extremely deceptive. I want validation and statement showing that the debt is truly mine. I am disputing that this debt is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$14000.00} pending paid still not available with no explanation from Bank of America please help me get my money ASAP

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 2021-09-08
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Loan Amount {$27000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX  XXXX XXXX Loan Amount {$500.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$250.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$40.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX Loan Amount {$15000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX  Loan Amount {$83.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: DISCOVER BANK
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:
Payment was due on my Discover card. I had n't used it in await, so I forgot that I had sign up for paperless statements. I return from vacation to learn that payment was past due. Contacted them and was able to drop late fee. 
A month later I apply for a mortgage, I find out this late payment is on my credit report and is going to affecting my loan rate. I contact them to have them remove it from my credit report, and was told they could n't. 
This is a 30 yr mortgage. I feel this is very unfair. 
I do n't always make my payments on time. 
I paid off two mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX - Blood draw at clinic in XXXX XX/XX/XXXX - I called XXXX XXXX to request the bill for services be sent Wyoming Worker 's Compensation XXXX Wyoming Worker 's Compensation paid my claim and took their deduction as a participating provider XX/XX/XXXX - My credit score fell 58 points as a result of Wakefield and Associates adding this debt to my credit report XX/XX/XXXX - Filed a dispute, the debt was paid - the item remains on my credit report XX/XX/XXXX - Contact XXXX XXXX - no supervisor on staff, must return my call. Spoke to XXXX. 
XX/XX/XXXX - Contacted XXXX XXXX - no supervisor on staff. Must return my call. 
XX/XX/XXXX - Contacted Wakefield and Associates - stated they would remove Workers Comp charges as it is a violation of collection law. The item remains. 
XX/XX/XXXX - Wy Workers Comp contacted XXXX at XXXX XXXX. She would enter a ticket and have the item removed collections. 
XX/XX/XXXX - Spoke to XXXX. The ticket is in place but has not been worked. Still remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America has aggressively started to assess " Monthly Maintenance fees on my account over the past 6 months. Every month they charge {$12.00} to my checking account and {$16.00} to my business account. They chip away and steal my hard earned money slowly this way month after month. Their polices change behind the scenes and their terms and conditions are hidden beneath layers of contractual language. I have been a customer with them over 10 years but over the last 18 months the fee collection has been very aggressive. This is not fair way of doing business. I would like Bank Of America to refund all the Monthly Maintenance fees they charged over since XX/XX/2018.

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 2017-07-05
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My auto loan is with Santander Consumer USA. I am a co-borrower on the loan with my ex-fianc, XXXX. XXXX filed a Chapter XXXX  bankruptcy, and released his interest as a title holder on the car. The car was not included in the Ch. XXXX bankruptcy plan, as it is my primary vehicle and I did not file bankruptcy. Payments have been made timely on this loan since the time of loan origination. The bankruptcy filing occurred in 2016. Santander ceased credit bureau reporting at the account level upon the bankruptcy filing, versus at the borrower level, therefore there is no credit history on my credit report for this performing loan. When I contacted Santander they told me the only option was to re-finance the vehicle, which I am unable to do, due to low credit scores. If my loan was reporting as performing, at the extremely high payment amount I pay per month, my credit scores would be improving. Santander 's policy is negatively impacting me as a borrower. In addition, Santander shut off auto-bill pay due to the bankruptcy, when the auto-bill pay comes directly out of my account, and has been deducted for over a year now, post bankruptcy filing. I was not notified of this change, and when I contacted Santander to inquire why the payment had not been taken from my account, they indicated a notice was sent to XXXX XXXX bankruptcy attorney. As a result, my loan is now showing past due. Santander has zero options available for repayment plans, for me as a borrower, because again they have tied the bankruptcy filing to the account versus at the borrower level. Again, this is negatively impacting me as a borrower, due to Santander 's policies when there is a non-filing borrower and a filing borrower on the loan. Billing statements are not provided, and online access to my account is locked, due to the bankruptcy filing. So, while I am making my monthly payments, which is benefiting Santander, I have zero access to the balance of my loan, short of calling Santander and enduring extremely long wait times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: GA
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 began disputing an unverified bankruptcy with Equifax in XX/XX/XXXX. I have sent this institution multiple disputes requesting that the unverified item be investigated and removed from my Equifax credit report. Every time this institution responds with the item is verified and the data furnisher is XXXX XXXX. I have reached out to XXXX XXXX on multiple occasions requesting information on if their establishment provided data or verified the information in question. Each time, their response to my inquiry was a resounding No. On XX/XX/XXXX, after speaking with a XXXX XXXX Customer Rep I was able to once again pull my XXXX XXXX consumer report. After Obtaining my XXXX XXXX report and reviewing the information, it was confirmed that Equifax had not conducted a proper investigation into my dispute. According to my XXXX XXXX report Dated XX/XX/XXXX page number # 2 shows that a security freeze has been in place since XX/XX/XXXX, and page # 47 of the same Lexis Nexis report shows no Bankruptcy under Section 9 Bankruptcy records. On XX/XX/XXXX, I sent another letter to Equifax once again disputing the information. On XX/XX/XXXX, I received a response stating that the information was once again verified and the data furnisher was XXXX XXXX. I have included pages 2 and 47 from my XXXX XXXX report dated XX/XX/XXXX, as supporting documentation to prove that a proper investigation is not being conducted and Equifax is continuing to report unverified information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
FHA Case Number XXXX XXXX Home sale closed XX/XX/XXXX. Interest charged by JP Morgan Chase to XX/XX/XXXX.  Expected refund for unearned interest. Bank said no refund due to FHA regulations. 

Loan open since XX/XX/XXXX. 

Looking for interest refund of a little less than {$600.00}. 

I hope to attach copies of the bank payoff statement reflecting interest charged and the settlement statement confirming the closing date. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company did not provide adequate information as to how the information was verified as accurate. 

The company did not provide additional information as to proof they are within legal reporting time limits to report the derogatory information I would like for the derogatory information to remove old outdated information from my credit file. The Department of Education has been reporting for over 7 years that I have or had made a late payment on a student loan account that was once owned by XXXX. The loans were consolidated and have since been submitted to The Department of Education for discharge. I attended XXXX XXXX in 2009 the school was sued and closed down which made me eligible for a loan discharge. The derogatory remarks on my report are damaging. I would like you to consider removing the negative payment from my credit reports. I say this not to justify why my payments were late, but rather to show that the later payments are not a good indicator of my actual current credit worthiness. At the time of the late payment my hours were slowed due to caring for my mother who has now passed. I have been denied credit on several loan request due to these reporting Im unable to get a reasonable house loan and since Covid-19 with the economic impact lenders are hesitate to provide funding at reasonable interest rates. my loans are currently on an administrative deferment due to the class action lawsuit against the Department of Education and currently my application status for discharge is pending. I hope that department of education is willing to work with us on erasing these marks from my credit reports.

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 2020-12-23
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
A couple of years ago I filled out for a Citibank card at Costco thats when the problem started I never did use the card the following year I did pay the annual membership and then ask them to close the account as I dont use credit cards however it never got closed someone from Washington got a hold of it continue to use it and it sat and sat and sat on my credit report as a late fee over 120 days plus I believe now all three credit scores have gone down Ive always been in the XXXX and now in XXXX Ive asked account to be closed at citi

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 2022-04-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.

Company response to consumer: Closed with explanation