BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Contacted Chase to report fraud charge on XX/XX/23 for ACH debit to Dept of Ed Student Loan ID XXXX. Started claim and placed stop payment on transaction. Charge posted and called back XX/XX/23 and spoke with XXXX. She was able to give me trace ID but no contact information to where my money went to find who is using my account for fraud. Charge is for {$100.00}. Chase is only advice is I have the option to close my account of 31 years and open a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Have not been able to pay XXXX and now XXXX mortgage payments. 
Due to website is non functional. Stats its always down for maintenance. 
When attempting to process payment via telephone ; Prompt system say they are having mechanical issue and system and technical outage at this time and you can not speak to anyone and it disconnects. 
that numbers is ( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-31
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I purchased a chair online and used affirm for the financing. The company I purchased the chair from says they never received the order and have no record of my purchase. Affirm is still charging me for the loan even though I've filed complaints, no response. I just want this loan cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-04
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: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, A ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/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 2023-05-08
Company: Experian Information Solutions Inc.
State: OH
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2023, I tried to personally deposit my XXXX XXXX XXXX check for XXXX $ at a Bank of America branch in XXXX, CA. Hoping I could have immediate access to the funds, the teller mentioned the funds wont be available for the next few days as it was only for deposit and they would have to check availability of payer funds ( XXXX ). 

BofA has been putting a check hold on all deposited checks since the start of 2023 in which my account has incurred accumulating overdraft fees. 



XXXX issued the check XX/XX/2023 # 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 2022-05-31
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been disputing my credit with XXXX, XXXX, and Experian. i have sent certified letters they have not responded in over 90 days time. i have certified receipts of delivery status and there have been zero effort in correspondence and by law you have 30 days to respond which has been violated. Please see the following Tracking ID for certified proof of delivery. XXXX ; XXXX ; XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2022 our company was scammed by someone claiming to be a Bank of America employee. He made statements of pending zelle payments and said we needed to move funds to a new account. BOA sent me codes to release the funds which were given to the alleged employee, then the funds moved out of our account. The bank sent XXXX letters dated XX/XX/2022 stating they would not cover the scam/fraudulent for each account emptied. I found an article referring to Docket No. XXXX from this Bureaus site and also referring to Regulation E with EFTA .

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 2023-11-01
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I tried to use a ATM and it didn't have enough money so I got a receipt said authorized reversal and when I called ATM service they transferred it back to chime and chime keeps telling me it was a complete transaction but ATM service saying they sent it back and it shows in there system that but chime won't even look in to it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Dear CFPB Officer, Fifth Third Bank offered me a XXXX credit card with a 12 billing cycles promotional rate of 0.00 %. I accepted the offer and a balance was transferred on XX/XX/XXXX for a fee of 4.00 % of the amount ( not a subject of dispute ), which appeared on the XX/XX/XXXX to XX/XX/XXXX billing cycle ( which could be interpreted as the first billing cycle. On the XX/XX/XXXX to XX/XX/XXXX billing cycle ( which based on the above-referenced interpretation and the best-case for Fifth Third Bank would be the 12th billing cycle ) I am already being charged interest at a nominal of rate of 1.6229 % ( which if compounded annually is approximately 21.3 %, the statement quotes an Annual Percentage Rate of 19.74 % ). I believe that 12 billing cycle free interest charge means that the 12th cycle is also free of interest charge. I called customer services but they said I'm incorrect on my interpretation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: AR
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 credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2023-02-09
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-11-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I report a charge to my account and disputed it then XXXX told me he is closing my accounts because I told them I was filing a police report and speaking legal he then told me that no one in the bank can override him he is the highest person in the bank. When I then as to speak with his manager and about my dispute he hung up on me. I want him to be XXXX and them to reopen my business account 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 2022-11-06
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-06-12
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:
I mailed dispute letters in XX/XX/XXXX pointing out factual inaccuracies and differences reported between bureaus of the same accounts asking for deletion. After getting a response of updated or verified, I sent another letter in XX/XX/XXXX, pointed out inaccuracies again, asked for deletion and their method of verification and the documentation received from the original creditors to validate their reporting, which is inaccurate, and they did not provide specific verification information or any supporting documentation. I mailed another letter today, XX/XX/XXXX informing the bureaus to delete once again, noted the factual inaccuracies in reporting, and informed them I will be reporting to CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
to whom this may Concern : On XX/XX/XXXX I spent XXXX hours and 34 minutes on the phone with Lakeview Loan Servicing sub servicer is Loan care, the reason for my call to them was two fold first we are currently in the first leg of the 2 sequential 90 day forbearance extension however on XX/XX/XXXX we were fully approved and enrolled in the second leg extending until XX/XX/XXXX, then after this approval they are still sending email Notices that our forbearance plan is expiring on XX/XX/XXXX this notice came in to my email on XX/XX/XXXX 6 days after our new extension approval came in stating we are fully approved for the extended forbearance until XX/XX/XXXX, this is categorically stressful as it inherently creates unnecessary confusion as to our fha mortgage status, this needs to be resolved,. 
then our second and more egregious issue is that as of XX/XX/XXXX they are claiming that they " changed their web site and payment systems and now are forbidding any Covid 19 Fha forbearance borrowers from accessing the payment portal within their https : //www.myloancare.com/pub/index.html # /Login, they have categorically failed to furnish and material legal or substantive reasoning for this unconscionable decision preventing us from making a repayment under the plan under which by their very own actual written verbiage on their website where they state as follows : " while you are not required to make payments during the forbearance plan, any amount that you can pay while your loan is in forbearance will help reduce the amount you owe after your forbearance plan expires then at the very bottom of this exact approval notice it then details how we can go online into our mortgage account and make the forbearance plan repayments within our account, however as I have stated Loan care is forbidding all covid 19 forbearance borrowers from making online payments within their respective mortgage accounts in loancares ' website this is simply abhorrent, morally defective, and unconscionable and must be stopped and the CFPB go in and enforce loan care to begin to allow fha covid 19 borrowers to make partial repayment plan payments again online [ PLEASE NOTE THAT SINCE XX/XX/XXXX WE HAVE BEEN MAKING PARTIAL PAYMENTS ALL THE WHILE BEING IN FORBEARANCE ] please find attachments showing the contradicting notices showing 2nd forbearance extension granted on XX/XX/XXXX then contradicting notice on XX/XX/XXXX stating that our forbearance is expiring XX/XX/XXXX My personal information as follows : XXXX XXXX XXXX XXXX XXXX XXXX New jersey XXXX mortgaged premises loan care mortgage account # 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 2023-05-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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. 

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

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