BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-05
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly tried to settle this debt to have it deleted off of my reports with all three credit bureaus but enhanced recovery service refuses to do so. The debt is for {$78.00} and I am willing and able to pay {$50.00} immediately to have this debt settled and removed. Acceptance of this settlement will stop all further collection activity. Failure to respond I will assume that you do not agree on the settlement. 

Enhanced recovery service has failed to send me any validation of this debt to show proof that it is mine. Nor did they notify me before reporting this negative account to my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Grievance Complaints : Internal Fraud Schemes for Unsubstantiated Maintenance Fees {$8.00}. XXXX  XXXX XXXX XXXX  who informed I have 6 FREE Transfers from Savings Account per month. Tactics to tranfer you to a different Department to not be held Accountable for Fraudulent Maintenance Fee. RICO Racketeering Corruption and XXXX Schemes. 

2. I asked how many times I Transferred in XX/XX/2021? XXXX " Only 1 time. " I asked HOW many times in XX/XX/2021? XXXX replied, " 4 times. '' Then I asked, WHY was I charged a Services Fee on {$8.00} on XX/XX/XXXX? She said, " You must maintain a certain Balance in Savings Account to not be charged. '' I informed I only used 4 out of 6 Free Transferred, so why was I wrongful charged {$8.00} Maintenance FeeWhat does my Balance has to be She looked but could not find nor provide an answer. Then she told me she needed to speak to a different Department please hold. This went on about 10 to 15 minutes. She finally returned to tell me she still has no answer and that the systems are down. Then she told me she would have to Transfer me to a nother Department. I asked What Department is that? She said, Credit Card. I asked Why when it's my Savings Account XXXX said it ALL THE SAME, your Debit Card with Master Card is the same as Credit Card with Master Card. I had no choice but to let her tranfer me to CCD. I asked XXXX did she send Notice WHY I was being Transferred to her CC Department so that I would not have to re-explain everything we discussed? XXXX said Yes and then made Transfer to Credit Card Department. 
2. Transfer to CCD SW XXXXfr XXXX who answered and Asked What I can Help you with since I am waiting for your information to come up. I told her. Then she told me I know you were transferred to me ; but I have to TF to Deposit Department. 
3. Deposit Holding Department automotive could not Service and disconnected 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 monetary relief
Consumer complaint received 2022-07-27
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 begin to investigate my consumer report after hearing about the major agencies neglect in reporting inaccuracies and incomplete information on consumer reports. My investigation found several inaccurate and incomplete accounts reporting. I challenged the data furnishing agency XXXX, XXXX, AND EXPERAIN about the inaccurate and incomplete accounts and was told the accounts from all three agencies were reporting accurate and complete when in fact they didn't do any investigating. had a proper investigation been done they would have noticed the incomplete and inaccurate data.1. XXXX has three different accounts number after being made aware that the accounts were reporting wrong. 
2.XXXX XXXX XXXX XXXX XXXX, is also reporting three different account numbers after being made aware and also the last date of payments is different on two and missing from one when its mandatory that it report. 
3. XXXX XXXX XXXX XXXX, is reporting three different last date of payment also no last day of activity is reporting when is mandatory and the account numbers are also three different numbers how could that be if a PROPER INVESTIGATION WAS DONE PLEASE REFER TO ATTACHED DOCUMENTS.

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 2022-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am unable to open a bank account due to some misleading information on y consume report and this is really disturbing and annoying at the same time. I need help on how to go about 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 2021-04-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Friday XX/XX/2021 My wife was on our home computer when the screen started to flash warning must call XXXX. When I called the number on my Screen a woman answered " Hello this is XXXX my name is XXXX XXXX how can I help you ''. I explained to her that my computer is telling me to call you that there is a problem. She said that someone would call me the number was XXXX it was XXXX XXXX who said he worked for JP Morgan Chase and that there was a problem with my credit card ending with XXXX that someone had charged {$4000.00} in XXXX XXXX. He said that to rectify the situation I would have to XXXX out the account so no other charges would go thru. I would have to get {$3000.00} to him ASAP. He suggested that I go to a major store and get gift cards to cover the {$3000.00}. I went to XXXX while he was on my cell phone and purchased the gift cards against the credit card in question. I asked him where he was calling from and he said XXXX XXXX XXXX, NC and his badge number was XXXX. After purchasing the gift cards I told him the serial numbers on the back of the cards. He told me to stay on the phone and in about ten minutes he said congratulations the {$4000.00} was taken of my account. Then he gave me a complaint number for the XXXX incident which was XXXX. When I got home my wife had spoken to her daughter who told her that it was a scam I immediately called the customer service number and told them the card was lost to stop the transaction. Maybe I should have told them what had happened but I was so upset that I was shaking. I had my computer cleaned by XXXX but didn't want to use it. I'm writing this complaint from work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2023-10-18
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 5 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 2018-03-09
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caller asked for " XXXX XXXX '', who is unknown to me. Asking for identification, they refused to give that information, stating that this was a " personal business matter '' for the aforementioned person. Their number showed up as one from XXXX, NC, and after calling them, I discovered they are located in XXXX, FL and go by the name of " Diversified Consultants Inc. ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a modification and on XXXX/XXXX/2023 SPS sent me a letter saying my application was incomplete because it was missing the RMA with hardship letter and a Short Payoff offer. I was told to submit the needed information by XXXX/XXXX/2023, so I submitted the missing information on XXXX/XXXX/2023 ( I have attached proof of both items being uploaded before the required date ). 

Despite making the information available on time ( even before it was due ). SPS sent me one letter on XXXX/XXXX/2023, saying I did not submit the information and my application is still not complete. In this letter they give me another opportunity to send this information ( that I already submitted ) by XXXX/XXXX/2023. but may still foreclosure on me any time after XXXX/XXXX/2023. The very next day SPS sent a letter saying they could not assist me because they did not receive an answer from me. I am appealing this because they most definitely received an answer and all of the information they requested. In the meantime, I will not be surprised to receive another scheduled foreclosure date because they almost always send confusing, conflicting information and still move forward with scheduling a foreclosure sale. 

I am attaching each of the letters sent by SPS and proof that the requested information was submitted in time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions 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:
erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 got these negative items from unknown companies to show up on 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 2022-12-21
Company: Experian Information Solutions 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:
This account by the name XXXX XXXX XXXX XXXX Is reporting to my credit without any legal grounds and experian I will hold responsible in court for wrongfully verifying an account who is wrongfully reporting on my credit falsely claiming I have entered into a contractual agreement with them when I have no knowledge of ever signing anything or doing business with them at all. I have asked for validation of this contractual agreement, I understand that it is as easy as entering information into a excel sheet and sent to the credit bureaus and information can be reported to anyones credit and that companies can take advantage of this and wrongfully report to an individuals credit so I want the contract they claim they have that they have claimed I signed with my signature if it can not be produced and this account is not removed for wrongfully reporting I will be forced to sue experian for giving me a computer generated cookie cutter response when I am actually being targeted by predatory credit reporting practices. I have attached the photos showing experian took only 1 day to investigate my issue, I also want to know the exact steps they took to validate this account.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report 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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The following inquiries were not authorized by me and are unrecognized. I have been the victim of identity theft in the past and will attach copies of the police reports. I have requested that TransUnion remove these unauthorized inquiries from my consumer credit report yet these unrecognized inquiries exist on my credit file. 

The inquiries that are unrecognized are : - XXXX XXXX appeared on XXXX- XXXX XXXX appeared on 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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit was pulled without my consent.

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 2021-06-04
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
My credit was ran multiple times on the same date I called Lexus and Toyota financial multiple times since XXXXFiled two cfpb complaints and corrections still not fixed. I filed paperwork for small claims court in XXXX county because I keep getting runarounds. I am pursuing XXXX lawsuit in small claims court.Court date is set for the end of XXXX gave them ample amount time to fix the issue. So I am asking for XXXX and XXXX dollars for court filing fee reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have requested lender a refund of {$38000.00} for the over payment on closing of final escrow on XX/XX/2019 but the lender did not pay attention to review and send me the refund. I received an email from FCI Lender Services , Inc. to ignore my request. 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 2023-07-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I made a federal income tax payment of {$7000.00} and {$170.00} through the tax payment preparer software website XXXX which was for federal income tax and the payment processing fee associated with paying it with a credit card. I made this payment transaction through my Amex Business Gold Credit card with the understanding that I would earn Amex Membership Rewards points back on the payment and the payment would count as an eligible transaction towards the sign up bonus of XXXX Membership Rewards points for {$10000.00} of purchases within the first 3 months of opening the card. Income tax payments to the IRS are not excluded from the offer and through earning points through the Membership Rewards program according to my terms and conditions of the credit card upon signing up. I also receive regular marketing emails from Amex stating the following " Earn Rewards on Your Tax Expense - You can earn rewards on your tax-related expenses by putting IRS payments on your Card using secure payment processors ''. 

On XX/XX/XXXX I submitted a formal complaint to Amex through their customer service representatives over the phone regarding the decision to not deem my IRS income tax payments as eligible for Membership Rewards or towards the sign up bonus. 

I received a decision for this initial case on XX/XX/XXXX. The decision from this case was the following according to the customer service representative " We've thorougly reviewed your concern and please know that eligible purchases do not include fees or interest charges, purchases of traveler 's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, which includes federal income tax payment, or purchases of other cash equivalents. '' and " ... our backend team determine that the charge for {$7000.00} is ineligible purchase towards your welcome bonus .... ''. 

The company is refusing to uphold the terms of their card sign up bonus nor what they are marketing in their email marketing communications to card holder members. The reasoning for denying the charges from being eligible for Membership Rewards is contradictory with the companies own language on their website and marketing emails as well as what is in the sign up terms for the bonus they offer to new card members. I was effectively tricked into paying my federal IRS income taxes through a credit card, paying a fee for doing so due to the payment processor requiring a fee by credit card and then being told that these transaction despite not having any language towards not allowing them from being eligible ( in fact the opposite if you are to believe the marketing emails I receive weekly regarding this point ), are actually not eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: NJ
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 2022-03-31
Company: LoanFlight Lending, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mortgage originator XXXX XXXX at Loan Flight- lied to me about rate lock.Verbally confirmed rate lock -theb Sent disclosure showing rate lock with no points. then before closing added 2 points and offered me different rates than what i was approved for and on the original disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, 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:
I have a hard inquiry on my XXXX credit report from XXXX XXXX XXXX XXXX XXXX when I never got any financing from them. It's hurting my credit dramatically. 

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.

Company response to consumer: Closed with explanation