BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I applied a job offer which ended up being an impersonation of a company named XXXX, they sent me a mobile check via email which I deposited into my bank account XXXX Bank of America ) which was suppose to be used to buy my equipment for this job. One was {$950.00} the other was {$1000.00}. A day after, the money showed into my account and I then was forced to XXXX 2 people who stated they would be the vendors I would " get my equipment from ''. I XXXX 2 separate times one for {$950.00} the other for {$1000.00}. After that I found out that the checks they gave me were FAKE, counterfeit and the individual I was speaking to on XXXX chat ( XXXX XXXX ) had scammed me, I tried to have these scammers send my XXXX my money back but they did not give it back. I made a claim with my bank about the counterfeit checks and submitted a claim in the XXXX Department. Both have failed to do anything to get my money back. Now I am in dire need of getting my money back because this is a very unfair way of things. The Claim number on file with the bank and XXXX is : 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 2022-03-04
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm with Habitat for Humanity XXXX XXXX Tn. They have threaten to start foreclosure procedures on my house on XXXX of XXXX. This is how we got here. I made XXXX XXXX XXXX release from the bank XX/XX/XXXX. They were putting things on my credit I already paid, they were charging me escrow shortage charges every yr. Even though taxes or insurance hadn't went up. Then I found were they added money to my mortgage loan when I started asking questions about my escrow ( didn't find out thru them I found it on my credit ) After I was released from the XXXX the director of Habitat for Humanity XXXX XXXX XXXX said she would find me another loan servicer and not to discuss my loan/ mortgage information with any other homeowner next time. Well I never received another loan servicer and ever since then I have been paying habitat for humanity. About 3 months ago I sent certified letter to XXXX XXXX for her to produce a ledger of what I've been paying and a copy of my mortgage documents. She sent the ledger but can't produce my mortgage documents. She gave me as my mortgage documents 2 deeds onXXXX saying I own the house and another deed. A promissory note and little more things but definitely not the documents I signed at closing. When we closed on our house we didn't get a chance to read anything they basically had pages marked for us to sign and told us what we were signing cause I definitely would've asked why the deed showed I already own the house. Now presently my loan is no longer on my credit and shows paid off with XXXX XXXX XXXX not written off. Everyone knows Trump and Biden put in place programs to stop the foreclosure on people 's home. I was out of work in XXXX and needed the assistance. Well in order to get the assistance you have to have a loan servicer. So habitat wanted me to falsify documents about them being my loan servicer in order to get the assistance and I'm not willing to do that. XXXX XXXX asked me if I had problems filling out the XXXX Mortgage Assistance application I told her yes the loan servicer part. Another lady who works with the habitat told me to call her and she would tell me what to put in. I told her if they were really my loan servicer I would know what to put in and no one would have to tell me. XXXX XXXX said she would have to give board over the habitat something that shows I applied if not she would start foreclosure procedures. I told her start them because I was not going to falsify documents. Btw the letter I received from the attorney has I have been in default since XX/XX/XXXX till XXXX XXXX when actually I've on been in default is XXXX and have the receipts to prove it. Everything I have have said I can back up with documents screenshots and emails. Haven't spoke with XXXX XXXX over the phone in almost 2 years all emailing.

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 2018-06-12
Company: Sierra Holdings LLC
State: NY
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:
XXXX is continuing to report my identical twin sisters information on my credit report. 
After removing information two accounts inaccurately reported. They refuse to remove the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed with Equifax on inaccurate reporting. On XX/XX/XXXX I sent Equifax a plea to correct or remove the inaccurate, incomplete credit information as stated in the FCRA law USC 1681. Equifax has not complied to my request. The letter sent is included in evidence. On XX/XX/XXXX Equifax sent me the reinvestigation results. The inaccurate information is on the following accounts. XXXX XXXX  has been sold. XXXX XXXX should not be reporting on the account if lending club has no affiliation with the account and no history or date closed is provided I have no way to verify this account. XXXX account is reporting with no closed date. Date of first delinquency is XX/XX/XXXX while reporting XXXX days past due. this is inaccurate. XXXX is reporting XXXX to XXXX days past due XXXX consecutive months XXXX XXXX XXXX. this is inaccurateXXXX XXXX  date of last payment is reporting XX/XX/XXXX. Account history with code is missing, I can not validate. Date of first delinquency is reporting XX/XX/XXXX, history with code is missing. XXXX is reporting XXXX days past due XXXX consecutive months XX/XX/XXXX through XXXX. No closed date is reported. XXXX XXXX XXXX  account, date of last payment is reporting XXXX. This information is missing in History code. Date of first delinquency is XXXX  that is missing in history with code. XXXX to XXXX  days past due reporting consecutively XXXX XXXX XXXX this is inaccurate. XXXX XXXX date of last payment is reporting XXXX while reporting first delinquency of XXXX XXXX XXXX XXXX  is not accounted for this is inaccurate. No closed date is reporting. History codes are missing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This report after investigation is reporting incomplete and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am seeking reimbursement of {$1400.00} from JP Morgan Chase Bank. 

On XX/XX/2022 my XXXX XXXX XXXX checking account received an XXXX debit from JP Morgan Chase Bank in the amount of {$1400.00}. 

I authorized this XXXX debit when I set up XXXX. The funds should have been applied to my Chase auto loan # XXXX due on XX/XX/2022. I received a text via XXXX message that the XXXX transaction had occurred on XX/XX/2022. 

On XX/XX/2022 I received a notice from Chase Bank indicating my payment was overdue at which time I called XXXX XXXX to verify a record of the transfer to Chase Bank. 

XXXX XXXX Bank statement for XX/XX/2022 was obtained which indicates the transfer of {$1400.00} on XX/XX/2022 from my business checking account with the XXXX XXXX XXXX ID # XXXX. 

On XX/XX/2022 I called Chase auto finance and was informed that no funds had been applied to my auto loan. I spoke with XXXX, a Chase supervisor in the XXXX XXXX department and provided her with an image of my XXXX XXXX Bank XXXX. XXXX escalated the claim, but I did not immediately follow up on the status of the claim. 

On XX/XX/2022 I called Chase to follow up my claim and spoke with XXXX, a different Chase supervisor. I provided the XXXX XXXX bank statement and Trace ID of the XXXX debit. XXXX explained the XXXX Department required a source of receipt to release funds which is possible in a bill payment transaction where a bank forwards a check to another and copies both sides of the check. In the case of an XXXX  debit the only source Im aware of is the XXXX XXXX outgoing Trace ID which I already provided to Gee. 

XXXX contacted me on XX/XX/2022 and said that she did not have the authority to override the XXXX XXXX Department decision. XXXX added there is nothing they can do without the source of receipt. 

I made the XXXX payment within the grace period to avoid a late fee. I am current with my Chase auto loan, and I have never been late during the past 52 months of a 72-month contract. I have never had any problems with Chase Bank, and I hope Chase Bank would treat me with respect and reimburse my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX. Inquire done for credit card, I already have a XXXX XXXX XXXX account. This application on this date ( XX/XX/ ) was not done by me.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made.I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the items, And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: JPMORGAN CHASE & CO.
State: IL
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 an open complaint ... .been waiting over 6 weeks for resolution ... ..Chase keeps stalling. I have sent all the proper documents 4 times ... .called ... .written many letters ... ..still no closure. 
Chase is trying to collect attorney fees for a debt that is not mine!! 
They keep telling me my litigation was for construction without permits ... ..that never happened!!!! 
They just do n't want to admit they made a mistake ... ..and I will not pay for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: OR
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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:
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.

The letters are stated with items and issues.

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 2023-10-17
Company: EQUIFAX, INC.
State: SC
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:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: NY
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:
I've requested my accounts be verified with the 3 credit bureaus ( XXXX, XXXX and Experian ), and I have not gotten a response of any investigation. It has now been almost 2 months. With 2 sets of letters that went out a month apart. After the letters were received by one of the bureaus my credit card was reported with high utilization and being late which is false and my score dropped XXXX points. This is a violation of privacy and a violation of the FCRA Laws. It is really causing me a great deal of stress. I have a special needs child that I can barely take care of because I can not get the extra funding to provide for her. I've had knee XXXX and lower back XXXX and I am in pain. I don't have a car anymore because I can't afford it due to lack of funds from lost wages. I can't get a loan to help with any issues pertaining to my medical condition or my child condition. The actions of these bureaus are ruining my life and when I did try to dispute and described the inaccuracies plus the inconsistencies, I was slandered. XXXX really did me worst then the other two bureaus. My accounts were updated by all the bureaus without any investigation carried out and from what I've recently learned from the FCRA laws this is unlawful and definitely unethical practice. I keep track of every letter and every phone call because I know and they know that this isn't right. I called XXXX and the representative told me that the accounts will be removed. Early that week my score dropped XXXX and after that call which was the next day my score dropped XXXX more points. I've disputed addresses that were not mine and XXXX is the only ones that actually took the addresses off. This is a violation of : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of The Fair Credit Reporting Act ; and 4. Financial Injury In accordance with The Fair Credit Report Act My rights has been violated under : 15 U.S.C 1681 section 602 A. States I have a right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2023-10-16
Company: EQUIFAX, INC.
State: PA
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:
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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: VA
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 has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A, states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital One continues to report erroneous claims of a debt via two accounts listed ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have not been verified as accurate and there has been no information furnished to me about the process used to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: ACS Education Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am a XXXX XXXX XXXX man trying to pay off my federal student loan debt before I die. I had a loan with XXXX  and then it was transferred to XXXX but serviced by ACS in XX/XX/XXXX ( ACS serviced loan from XXXX to XXXX ). I had many calls and emails to ACS over the years because my payments were allocated in an unfair confusing manner. Even when I paid early my interest would be higher than the previous month. XXXX finally took over to do their own servicing starting in late XXXX. I have paid XXXX directly since then. I have recently consolidated my loan from XXXX to a Direct Loan with the Dept of Education ( XXXX ). They however can not verify my payment with ACS because they no longer exist. Where are their records? Conduent has not responded to my emails. 

I need help in getting ACS ( or their successors Conduent ) to provide certified records of payments I made to them from XXXX to XXXX.

Company response to consumer: Closed with explanation