BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: OR
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. 

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 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.

I did not grant permission for any of these accounts to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: JPMORGAN CHASE & CO.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase keeps freezing my account for " suspicious '' activity any time I try to perform a transaction. Apparently it's not enough to have an extremely strong password and a 2-factor auth device, while logging in from the same device and IP address I used to sign up with. Calling them, they ask identity verification questions that make no sense, and they refuse to tell me where they're coming up with the bogus info for the questions so I can't fix the issue. Phone reps instruct me to drive 4 hours round trip to visit a branch - which I did do, only two weeks ago ( mid-XX/XX/2020), and presented ID. Today ( XX/XX/2020 ) I try to do another transfer and they freeze my account again! The transfer is NOT SUSPICIOUS! I was logged in with my usual device, and provided the security PIN they emailed me in order to perform the transfer. The PIN was accepted and everything was fine. In spite of that, fraud department called me to verify, and the rep 's headset was screwed up and they couldn't hear me telling them to authorize it. There's seemingly no mechanism to get them to call a second time, and now the whole account is frozen again. I tried to log in and I'm being denied access. I called in and they're telling me to go visit a branch and show ID AGAIN. I can't keep driving 4 hours to a branch every time I need to do a transaction!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosedcopies of the Federal Trade Commission 's Theft Affidavit. Please delete the items as soon as possible.

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 2019-02-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase Bank, XXXX, XXXX XXXX, XXXX, XXXX XXXX, JP Morgan, and others have my information and show money in account but refuse to allow me to access. I get emails and letters in mail asking me about bankcards, debit cards, credit cards that I never received. I have recently seen many types of financial things like loans, student loans, taxes for amounts like XXXX from attorney general of Texas due to a partnership I was left due to intellectual property stolen and sold around the world that I arbitrated and became partners with XXXX and various other companies. Gained many stocks. Told by XXXX XXXX I was granted XXXX XXXX when Pres. Trump was given XXXX XXXX to disperse to people who had donated a large sum of money, which I had of the amount if XXXX XXXX while thieves were stealing from me. Decided I would rather give it to charity than thieves. Did everything to stop but it's complicated. Which I believe was orchestrated for that very reason, too many things happening at the same time which was obvious since the mistakes are not typical and you generally never see those types of mistakes happen to anybody which had now become apparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, Dovenmuele, did not pay my home insurance premium. They emailed me on XX/XX/XXXX stating they were paid on XX/XX/XXXX. Today, XX/XX/XXXX, I received a past due notice with a late fee and a cancellation date. I called my insurance company in case the payment and notice crossed in the mail. They told me they received no payment. I then called the mortgage company and was told by the rep it stated it was paid XX/XX/XXXX in my file. She transferred me to the insurance dept. and I have presently been on hold for 40 minutes ( another norm with this company ). I even emailed them a reminder on XX/XX/XXXX that this premium was due, which I shouldn't have to do, but this company has been negligent before. I emailed them back and forth 6 times between XX/XX/XXXX and XX/XX/XXXX because they failed to pay my town taxes. again a late fee was assessed, which they eventually paid and apologized for, but this level of incompetence is unacceptable. I have all the emails documented. Please let me know my options. This company has been unbearable to deal with since the start. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Commonwealth Financial Systems, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
My report is stating that I owe over XXXX dollars to XXXX XXXX XXXX or creditor that I had no knowledge about any account.I feel very threatened that I'm having these things on my credit report and my whole life I never borrowed from anybody or anything.I don't understand what I owe exactly but its identity theft. It may possibly be that my I'd was stolen? And someone must have used it. Can you tell me where the account they say I have is? Or what type of loan maybe? Cause its been a long time since I had even over a XXXX dollars! Some of those names and addresses aren't mine. Do I have a mortgage or vehicle? If so what do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After visiting a furniture store on XX/XX/22 and becoming aware that Clarity Services exists I attempted to obtain a copy of my consumer report. They have refused to provide me with the consumer report unless I provide them with my entire identity, driver 's license, social security card and proof of residency via mail or fax. I find this to be highly unethical and negligent business practice as well as a violation of my right according to the FCRA. To send my entire identity would be irresponsible and negligent on my behalf. This is sensitive information being requested by a third party.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: WI
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI 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 explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, 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:
ACCOUNTS INQUIRES Equifax XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX XXXX .... 
XXXX XXXXXXXX ( 3 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXXXXXX ..... 
XXXX XXXX ( 2 ) XXXX XXXX XXXX ..... 
XXXX ( 1 XXXX XXXX XXXX ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX ( 1 ) XXXX XXXX XXXX XXXX ( 1 ) Factual Data XXXX XXXX ( 1 ) XXXX / XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( 1 ) XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account have now been not only placed on my Equifax but has now been placed on my XXXX and XXXX not all accounts appear on all 3 bureaus but these accounts are all affecting my credit, life and making it very hard for me to survive Several accounts have tried disputing with the bureaus and no action is being taking at all I am being told that they have been receiving payments on some of these accounts and I have not made any payments on accounts that do not belong to me! I have only tried calling the creditors to dispute the items and no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I explained the high interest rate, they stated that I signed the agreement! My complaint was that I was a Veteran and when I signed the loan agreement I was under the thought that they knew the Veteran and Consumer Fair Credit Act! Their response was that I was not in the military. Again I explained that I was wounded in combat and receiving compensation and gave them the date my XXXX check was deposited, which meant I am a Veteran! 

I also have a loan with Lendumo Finance, with the same complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I submitted a complaint to Citi Bank XXXX regarding the bonus miles totaling XXXX for opening a Citi Bank Checking account etc. in which I have yet to receive. Citi Bank responded to my first complaint dated XXXX on XXXX and within the response letter they acknowledge that I have met and fulfilled every requirement in order to receive the bonus miles totaling XXXX. Furthermore, within the letter they confirm that I will receive my bonus miles totaling XXXX on or around the XXXX of XX/XX/2023. Today is XX/XX/ and I still have not received my bonus miles.

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 2023-02-26
Company: EQUIFAX, INC.
State: MO
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 XXXX, XXXX ( 4 yrs, 10 mos ) {$170.00} 08 XXXX XXXX XX/XX/XXXX ( XXXX mos ) {$720.00} i have reached out to many companies resovling this issue due to information that is reporting to my credit and it is inaccurate i have addresses, accounts phone numbers that does not belong to me on there i have asked for them to be deleted and thhese companies has yet to do so i would like for these to be deleted from my report asap no later then 10 days from this letter XXXX XXXX XXXX XXXX XXXX XXXXs XXXX mo XXXX does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
I received a call from a bank of america employee by the name of XXXX XXXX. XXXX called to advise me that the teller did not know that the hold on my deposit would be extended. XXXX said she could go ahead and close my case because ( in her mind ) she resolved the issue. XXXX said she would send me a letter in writing explaining what we discussed. I asked XXXX, is there a possibility that the hold could be extended again, this had the nerve to say she did not know but probably not as long as the check is not returned. Over the past week, I have heard this ( as long as the check is not returned ) several times from BOA employees and I am livid. I called XXXX XXXX XXXX ( the company that issued me the check ) and I spoke to XXXX. I asked XXXX if this company had a history of issuing bad checks. XXXX said no, they have done business with BOA in the past and their business ( XXXX XXXX ) is a very large corporation and any hold placed on the check is strictly because of BOA, it has nothing to do with their company or the bank the check is drawn on because they are a reputable company and they bank with a reputable bank.

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 2020-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX Bank of America charged me a fee of XXXX $ interest fee when I had paid my full amount before the closing date. when I contacted the bank they denied my request to remove the fee and force me to pay it by saying " we will ruin your credit score '' please take some actions regarding this Bank. My name is XXXX XXXX XX/XX/XXXX Bank of America account number XXXX 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 explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions 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 am disputing XXXX XXXX  loans on my credit report by XXXX. I submitted documents showing that these loans are dismissed due to a lawsuit and Needs to be removed 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 2023-06-09
Company: Experian Information Solutions Inc.
State: TX
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:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EXPERIAN used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EXPERIAN reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRUHOME SOLUTIONS, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, My ex wife was awarded the home in XXXX ( divorce ) and the decree stated she is to pay without causing my credit issues. She is just now trying to refinance but the lender is filling out the XXXX incorrectly. As in XXXX of XXXX and as recent as XXXX the mortgage was over 30 days late. They are filing that no 30 day lates have occurred in the last year which is false and stated by them. My credit has even taken hits. So how or why are they able to lie on documents about payments but I still have my credit taking hits?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, 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:
I have requested for validation of the accuracy of how they're reporting on my account. It's reporting that my account is paid, but late at the same time. I don't understand how I can be late on a paid account. I have asked, via letter for this to be updated to paid as agreed, never late. PLease correct the errors as it violates section 1623 of the USC accuracy of reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently went to qualify for a home loan and to my surprise an old XXXX XXXX Account appeared - this was fine as I am aware, but it was reporting that I was late as of XX/XX/2023 ( last month ). The account was closed, marked as paid, and settled but it is still appearing. XXXX XXXX says the can make no representation on how the account appears and Im at a lost.

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 2023-07-25
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am filing a complaint concerning my local bank bureau. I went to with drawl money out of my checking account on the date as follows XXXX. I waited in the lobby for someone to assist me. When the lady to come out to assist me with my bank with drawl I asked to have XXXX dollars taking out of my account. The lady was very ignorant to me and told me that the money in my account could be fraudulent activity. I assured her that the large sum of money in my account was from my income tax. She went back into the back without letting me know and froze my account. I am now seeing on my online checking account that I'm in the negative due to them freezing my account. I would like something resolved from this issue to prevent anybody else going through this. Also, hearing a bank teller say " I have kids and I dont recieve a XXXX dollar check ''. First off where does someone have the right to even say that.

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 2020-09-30
Company: EQUIFAX, INC.
State: OH
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:
I previously submitted a police report and a FTC report for identity theft. Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX   XXXX XXXX  # XXXX XXXX XXXX

Company response to consumer: Closed with explanation