BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXXXXXX 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

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$37000.00}

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 2023-08-08
Company: JPMORGAN CHASE & CO.
State: NC
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:
Ahead of a major purchase ( {$8800.00} ) for an upcoming medical procedure, I called Chase BEFORE I made the charge to inquire about the fees and total costs for enrolling in a " my chase '' plan. On XX/XX/XXXX, the representative stated that the plan fee would be 1.72 % of the transaction amount with a 12-month payment period. He quoted the specific dollar amount ( a maximum of {$150.00} of additional charges for the duration of the plan duration ) based on the rounded dollar amount of my transaction and stated that only after I made the charge would I be able to enroll in the plan through my app or online. After charging the amount and going into the app later that day, I found that there was no twelve-month option available, only 18 and 24 months, with fees beginning at nearly {$1000.00} additional dollars. I called again on XX/XX/27 and spent more time on the phone speaking to representatives who echoed what the first person had said, but with no actual resolution. I called again on XXXX and XXXX asking about the same issue, each time spending an hour plus on the phone being transferred to 4-5 different departments to people who didn't know how to address this problem. It is cruelly ironic and very convenient for Chase that only after placing this purchase on my Chase card as opposed to my XXXX card, the quoted 12-month 1.72 % fee plan apparently doesn't exist. Chase is guilty of false advertising and misinformation and needs to honor the original percentage rate stated to me on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Rocket Mortgage, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Rocket Mortgage shares private customer information with non-affiliated third parties according to their privacy policy : https : //rocketaccount.com/ # /privacy-policy The " Your Choices '' section of their policy does not explain to the customer how to opt out of this sharing. https : //rocketaccount.com/ # /privacy-policy The only option to opt out on the Rocket Mortgage website requires the customer to certify that they are a California resident. The information that Rocket Mortgage discloses to third parties does not seem to entirely fall under the exceptions listed in 16 CFR 313.14. Therefore, Rocket Mortgage appears to be in violation of the Financial Privacy Rule, 16 CFR Part 313, by not informing customers and allowing them to opt of of sharing private information with non-affiliated third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Mills Escrow Company
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We had requested Mills Escrow Company to transfer XXXX XXXX accounts to a new servicing company XXXX XXXX on XX/XX/2018. 

We sent out a check certified mail to close out the accounts and it was received by Mills Escrow via the notification of the certified mail. Mills has stated that they could not find the check. Since they had not closed out the accounts I have asked them to take the close out fees from the lender income. 

Yet we are still waiting for them to be closed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$63000.00} XXXX XXXX XXXX Balance : {$370000.00} XXXX XXXX  XXXX Balance {$0.00}.

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 2022-10-22
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Money was taking from my saving account with out my permission. It started since 2012. I sent my Bank XXXX to the CFPB. And they want my email : which is XXXX. but I send them this email, XXXX, both the same they are my 's. I can be reach at XXXX, if you need to reach me. " Please response '' 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 explanation
Consumer complaint received 2023-05-24
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, I initiated an institution-to-institution transfer in the amount of {$1500.00} from XXXX XXXX XXXX ( XXXX XXXX XXXX to Citibank. The information on the web site for Citibank indicated that the funds would clear overnight, and would be in my Citibank account the following day. The balance in my Citibank account had been {$780.00}. 

This evening ( XX/XX/XXXX ), when I logged onto the Citibank account portal, the system indicated that my account was overdrawn. There were no other debits that were being made on my Citibank account. I checked the account from which the {$1500.00} transfers were being sent, and confirmed that they were debited from the XXXX checking account. When I called Citibank to obtain resolution, they told me it was a known issue, and that I would have to wait XXXX hours for resolution. 

In the meantime, I do not have access to my own funds that I was planning to use to pay for a transaction that was supposed to take place on XX/XX/XXXX. Banks should not be allowed to get away with this type of behavior. How can we have trust in the financial system when things like this happen, and the attitude of the staff was so blas. 

This is a basic banking function. Why is Citibank failing at this under your watch?

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madame, There is information that on my consumer report that is a result of identity theft.I did not provide written permission or instructions for the identified transactions to be reported on my consumer report .I am requesting that the reporting of the information be blocked and deleted .My request to block is not being made in error ; nor is my request to block being in made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : THE PUBLIC RECORD You are required to do what I am asking and block these transactions from being reported to my consumer report within 4days from the date of the receipt of this notice .I look forward to your response. 

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 non-monetary relief
Consumer complaint received 2023-04-10
Company: Bread Financial Holdings, Inc.
State: OH
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 issue started in XXXX when i made a payment towards my BILLED balance of XXXX i made a payment towards my account which consisted of one promotional purchase that expires XXXX this would have left the remaining balance at XXXX the company applied my purchase toward a unbilled transaction. i called to allocate this payment and a few other payments above my minimum due as per the terms of the account. this would have paid my promotion off by XXXX XXXX the company has not allocated the payments per my request. they are now denying my allocations and attempting to fraudulently charge my account the interest of this promotion. they have also deleted records of my conversations. this needs to be corrected i will not pay what i do not owe. also as seen n the statement they have allocated funds AWAY from my promotion increasing the balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: AL
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 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 seven 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 2022-04-06
Company: SYNCHRONY FINANCIAL
State: CA
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:
I never received the merchandise for this order placed on XX/XX/2022. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I had originally contacted the merchant on XX/XX/2022, and XX/XX/XXXX both via email ( see attachment enclosed ) and telephone, both times the merchant has confirmed saying that no sales were to be finalized ( C.O.D. ) The merchant assured me there wouldn't be a charge made to my account. 

XXXX TO SHIP TO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX INVOICE XXXX DATE XX/XX/2022 TERMS Due on receipt DUE DATE XX/XX/2022 SHIP VIA XXXX priority mail QTY ACTIVITY RATE AMOUNT XXXX MUSIC INSTRUMENTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ship smaller XXXX as agreed over the phone - reduced to {$230.00} instead of {$250.00} Reduced shipping from {$60.00} to {$55.00} SUBTOTAL XXXX TAX XXXX SHIPPING XXXX TOTAL XXXX XXXX DUE {$290.00}

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 2019-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America took {XXXX} from my personal checking account and left me with only {XXXX} dollars in my account. My mortgage payment was scheduled to come out as well which caused my account to become overdrawn. My mortgage payment was returned and I have talked to over XXXX people at the bank and they still refuse to refund my money. I need to pay my mortgage payment.

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 2023-08-31
Company: NATIONS DIRECT MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
1. Filed Loss Mitigation Application and Hardship letter and details XX/XX/XXXX XXXX 
2. Filed XX/XX/ XXXX XXXX  ; they requested updated information filed XX/XX/XXXX XXXX XXXX Requested updated bank statements, sent to three locations and to a bank officer. 
3. Sent repeated emails for three months and no response; spoke with loss mitigation multiple times with duplication of the same issues. 
4. Spoke with XXXX XXXX, Director of Services; sent information directly to him, and have called him multiple times and no response. 
5. Called Foreclosure Prevention Case Escalation Unit ; no response. 
6. Emailed Loss Mitigation and Customer Service multiple times ; no responses. 
7. I am a XXXX XXXX XXXX XXXX Veteran who can not work and suffer from XXXX and XXXX XXXX This is creating added stress and causing agitating of my health issues 8. XX/XX/XXXX; spoke with Loss Mitigation and they gave me a list of new documents to resign with current dates. Complied with all requested information and filed XX/XX/XXXX. No response that the email was received. 
9. I keep receiving Loss Mitigation Applications every month with no explanation leaving me to believe that they are not getting my information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: General Motors Financial Company, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
GM financial no statements request payments to borrower and not co borrower Dont get statements or anything about the lease nothing in my name just pay by XXXX XXXX and pay fee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This situation is not only unacceptable but is also causing severe damage to my credit score and financial standing. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite these disputes and my continuous efforts to rectify this issue, the inaccurate information persists on my credit report. WHY THE BUREAU KEEP ON REPORTING THE SAME INACCURATE INFORMATIONS ON THE CREDIT REPORT? THE BUREAU SHOULD FIX MY PROBLEM NOT IGNORE IT!!! 
XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand the immediate removal of the inaccurate late payment information associated with the specified account from my credit report. This repeated reporting of the same inaccuracies raises serious concerns about the accuracy and effectiveness of your bureau 's reporting processes.

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 2020-11-11
Company: United Revenue Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX XXXX XXXX want to file a complaint against XXXX.I am requesting validation that is competent evidence bearing my signature. I want 4 items to be removed from my file. They are all fraudulent. I have paperwork. that says that all these accounts were closed out. I have disputed this XXXX they said it was accurate but I did not open these accounts. I need these items removed since they are not mine and do not match my identifying information. These are all the wrong name, wrong address and wrong person. I even asked if they had a debt validation letter with my signature and they don't have them. I sent the credit bureaus copies of an affidavit of the police report, my birth certificate, my social security card and State ID Card and they still say this account is accurate.United Revenue Corp

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this complaint because XXXX XXXX XXXX XXXX has ignored my request stop reporting the negative account that was fraudulently opened using my personal information with their company. I have provided them with my police report and identity theft affidavit supporting this. I have also disputed this account on numerous occasions because of the inaccuracies reporting across all the different credit bureaus. Payment dates, open dates, and close dates are not consistent. 

Please resolve this matter as soon as possible. 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 2023-06-27
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Chase bank closed my account. I contacted them to fine out why. They told me that something happened on my account and that is the reason they closed it. They told me that they don't have to give me the reason. At that point in time I had {$580.00} in my account. I've made several attempts to get my money back. As of XXXX XXXX they are not going to refund me my money. I still don't know the reason behind this. 

They locked me out of my account so I don't have any documents for this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Adler Wallach & Associates, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never received any documentation regarding an unpaid bill. I never received any documentation regarding an unpaid bill being sent to collections. I received no notification. I noticed the outrageous collections claim of {$950.00} as I was checking XXXX XXXX app. I have no documents to provide that this is a valid claim.

Company response to consumer: Closed with explanation