BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020, I noticed that I had lost my credit card. I immediately reported it lost and requested a new credit card from Bank of America. I received e-mail notification that a new card would be mailed to me. I did not receive one, and Bank of America did not put a freeze on the account. 

On XX/XX/2020, after the XXXX holiday, I logged into my Bank of America account online. There were in store charges in excess of {$3000.00} made during the holiday week on the card. I promptly called to report the fraud, to understand why the account had not been frozen, and why I had never received a new card in the mail. They were very apologetic, froze the account, and issued a new credit card number. They also opened a fraud dispute and temporarily credited my account. 

After 30 days, I received a notice saying that my fraud claim was denied because I had made purchases at these vendors in the past. However, that is not true. Whoever had my card spent ~ {$2000.00} at XXXX XXXX, which I had not been to in recent memory. In addition, {$600.00} at XXXX, and my phone provider was XXXX at the time. I explained the facts again, and the fraud agent opened an appeal case. 

After 30 additional days, I received a second notice that the claim was denied for the same reason. I called once more, and explained the facts. I did not have the card in my possession, as I had reported it lost prior to any of these in store purchases. The fraud agent then instructed me to file a police report, which I had not been instructed to do until this time. 

I then filed a local police report, and submitted it to the fraud department. Some time later, I received yet another notice that the claim was denied for the same reason as the first two times. 

Ultimately, I ended up paying for the fraudulent charges because it would be too expensive to hire legal counsel. It is aggravating that a very reputable financial institution would handle a fraud claim in this manner. I have since transitioned my core banking to a local credit union, and will soon close all accounts held with Bank of America because of how this claim was handled two years ago. I was recently made aware that I could file a complaint with the CFPB so that at least my experience would be on the record.

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 2023-11-23
Company: Experian Information Solutions Inc.
State: FL
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:
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 has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is reporting a bankruptcy inaccurately on my Experian consumer report after I have disputed with them for completeness and accuracy in XXXX of 2022. They continue to report this erroneous bankruptcy report without obeying 15 USC 1681 ( n ). They verified inaccurate bankruptcy records willingly and knowingly disseminating inaccurate information to various 3rd parties without my consent. 
XXXX XXXX has also blocked all personal information from my XXXX XXXX report ( please see attachment ). Experian should have permanently blocked and deleted the erroneous information on my consumer 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 explanation
Consumer complaint received 2023-04-21
Company: BROKER SOLUTIONS, INC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was preapproved for a mortgage with New American XXXX on XX/XX/23 or before for a newly built home. The initial appraisal was completed on XX/XX/23 with a set closing day of XX/XX/23. I have sold my previous home, now myself and my XXXX kids are now homeless because New American XXXX didnt have the loan ready on closing day, they arent keeping me informed of the process and now I have sold my current home and they dont have a exact answer on what day I will be closing on my new home. 

I originally withdrew from it because of fear of retaliation, but this company deserves the consequences. 

This is by far the worst, unprofessional, unprepared, and irresponsible company Ive worked with. 

When my agent spoke to XXXX XXXX Friday morning they discussed compensation for my family and the focus to getting this deal funding on Friday XXXX. To no avail that timeline went through the window and the deal has just been funded today XXXX In that time my family XXXX kids had to stay in a hotel room because of issues created by your New American The lender fee in the amount of {$1600.00} because the service they were paying for clearly wasnt completed in a professional and timely manner. On top of both of those things, XXXX should also be willing to compensate for my family pain and suffering which I will leave for you to discuss with company superiors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account XXXX on my experian credit file is reporting inaccurately compared to others. This should be looked at immediately. Ive uploaded documents supporting my claim multiple times and nothing has been done.

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 2023-04-11
Company: ZIONS BANCORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX XXXX, California Bank & Trust starting asking for a inordinate amount of monthly information for the 3 loans I had with them. 
My father had passed away and my mother was in such bad health, I was not able to provide this information on a monthly basis but always made sure all payments were made on time and continued communications with the bank on why I couldn't provide monthly statements. 
This was not enough for them and they threw me into collections. 
Promptly, I told them I would payoff the loans ; which I did. 
The problem was they were intent on over billing me for {$12000.00} on appraisal fees. 
I asked them to show me the actual appraisal reports as I knew they didn't have them and they declined and just told me I couldn't close without them and continued too add legal fees and interest the longer it went on. 
This was highly inappropriate as I had paid just 10 months earlier for a extensive appraisal of all 4 properties for tax purposes for only {$3800.00} And they literally charged me {$3400.00} for asking questions!, The loan officer would direct me to a lawyer who charges you per conversation, which I did not know till I got the bill. 
They had no right to call for a appraisal on a simple payoff or charge me for information. 
Please help, 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 2023-04-11
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage escrow department sent a notice of shortage for XXXX year which would take affect XX/XX/2023. I received a billing statement ( XX/XX/XXXX ) with less than a 48 hour notice that the payment increased payment would be due XX/XX/2023. I paid my normal payment XX/XX/2023 that did not include the increase because of the discrepancy. I sent a notice in writing by email bringing this to their attention. I also sent a written notice by mail advising that I would not be entering into an escrow payment agreement with them and that would be making the payments directly to the insurance company and county to cover my taxes & hazard insurance myself.

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 2021-08-03
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Block, Inc.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have read the response from Cashapp and they are lying about what they are telling you. They do not want to give me all my money back, even though they gave me a little bit of it back. They say they put it into my XXXX debit card ending in XXXX and I'm going to have to get the monthly statement for XXXX and you will see there is no deposit from them, not one. When they gave me back the little bit of money they gave it to me on their app. Also the first thing they did was put it in my XXXX XXXX bank account and then took it out of my bank account which I was very upset with XXXX XXXXXXXX bank. How could they do that? I'm in the process of closing down that account, I'm just waiting for cash app to pay me back my money. So what happened was I was sending my brother XXXX dollars through cashapp at XXXXXXXX XXXX  Hawaii time and he said he did not get it. Then he said to get it immediately I had to send XXXX dollars so I then sent XXXX at XXXX he still did not get it so I sent it XXXX dollars at XXXX he still did not get it so I tried again and cashapp stopped me from sending money. It wasent until the next day when I noticed that the debit card ending in XXXX was up there and that debit card is not mine and that is where the money went. I immediately took it down. That is where this story stops for this amount of money. The other transaction are N/A. I do have my monthly statement from XXXX XXXX  bank and they through a curve ball with their response saying they gave me the money to my XXXX debit card. While I reached out to XXXX for my statements, I don't have XXXX but I will get it. They are totally lying when they say they gave it to be by way to my XXXX debit card ending in XXXX. They owe me And they know it. Why give me half my money and not all of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Self Financial Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
Dear sir/mum There is so much complaint about self inc that you people are still egnoring to this day. 

XXXX a victim of self inc fraudulent reporting .Are they getting paid to report negative things? 

I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Collection Services has been reporting a very old account on my credit report. It is old. It was paid to XXXX and should be taken off of my credit report. I do not owe any money and there is no reason why it should be reported. I don't understand the benefit CCS is getting from it being on there. Don't companies have to pay to report it? This just feels like harassment at this point. It needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). 

Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, XXXX and TransUnion will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, XXXX and Transunion to get the following medical debts under {$500.00} removed from XXXX XXXX removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.

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 2023-07-07
Company: JPMORGAN CHASE & CO.
State: IL
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:
Long time ago I would made a lot disputes with my credit card. Chase Bank employee who was female years ago made a verbal threat that my account would be closed because the amount disputes I made. 

Since then I had noticed chase bank has been aggressive with me when filling dispute in which they force you on not disputing by stating you have no " dispute rights. '' I had multiple times called and always obtained the same answer that wouldn't dispute against the merchant. 

Today I reached out chase to dispute about a chain that became discolored and food that wrong given to me. 

The first agent was attempting to proceed it but the system made her reach the dispute department for both. 

Again I knew they were going to say no so I was transferred to disputed department. At first the employee accepted to dispute the first item which was the gold chain which I didn't contact the customer who is in different country. Meanwhile for the food she wouldn't the dispute because " charge was valid. '' In other words I stated you can go to home Depot and buy a washer machine and it's broken and you can't get your money back. She didn't like my response. 

I confronted that the first colleague was going to dispute but your not doing so and she stated well I have training. I asked what training did you receive that she didn't? I asked what department is this and is like a high risk department? She didn't like the fact I was asking questions and made sarcastic remarks. 

I asked for documentation for the banks policy on regulation e for dispute and was told to XXXX it. 

At the end of the conversation she didn't dispute the gold chain while contradicting herself when she said yes at first. She then shuts the phone on my face which was not professional on behalf of chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear of neglecting this kind of complaint. Pursuant to offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent tons of dispute letters and complaints alongside my FTC report but you there at Experian are so firm with what youre doing, and thats disregarding my complaint. I reached out to the companies and talked to them about this situation and they agreed to remove the accounts from my file Is it that hard to understand where Im coming from? Common! This is not rocket science! Please comply with the law and DELETE the following accounts right away. 

XXXX XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX 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 2023-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Continental Finance Company, LLC
State: ID
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 was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : 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 Continental Finance Company LLC 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

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 2023-09-12
Company: EQUIFAX, INC.
State: GA
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:
First let me say its nice to know that at least XXXX of the XXXX CRAs Equifax still exercises their grave responsibility with fairness and impartiality and the importance of accuracy and relevancey. However my complaint is with XXXX and XXXXThey continuiously violate my federally protected rights, which is causing me real damages ; to the point Im considering Civil Liability for their willful Non-Compliance. 

In XXXX I wrote letters to all three agencies informing them that the information they were reporting was inaccurate and or incomplete and asked them to investigate. ( letters included ) I also filed complaints with the CFPB on XX/XX/XXXX to reinsure my concerns were on record. 
XXXX XXXX XXXX Equifax.XXXX  XXXX. Only Equifax complaint was closed and it is obvious they did an actual investigation because most of the inaccurate info was updated or deleted. I was notified by XXXX and XXXX that their investigation was complete and that the information was verified and accurate, So I pulled another report just to find, unlike Equifax a lot of the same inaccurate information was still being reported. 
I then sent both agencies Method of Verification letters by certified mail # # XXXX XXXX # XXXX XXXX. ( letters inclosed ) Its been over 15 days and I still havent received that information from either agency.Which is a clear violation of 15 USC 1681i enclosed is a copy of my recent credit report which I marked up to show the many different inaccuracies and violations of 15 USC 1681. Is civil action the only way to correct this or do your over-site play a part in getting the request adhered too.

Company response to consumer: Closed with explanation