BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Ex Husband and I applied for the original 30 year mortgage in XXXX. 
Our divorced was finalized on XX/XX/XXXX. 
Court ordered Ex Husband, to NOT incur anymore debt on my behalf and to remove me from the mortgage ( JPMCB-CHASE Home XXXX  ).

I provided him with a quick claim deed as court ordered for my removal of said mortgage. 

In XXXX he started the process to modify the mortgage as he let it default and was unable to afford payments. In order to modify the mortgage he needed to provide proof of sufficient income to cover the mortgage. He provided paystubs, bank statements and a written letter informing the mortgage company that I ( the primary on loan ) no longer resided in the home and that his new girlfriend lived there now and that the information he had provided was her 's ( New Girlfriend 's ) proof of income and banking information. Which is stated very clearly on the paystubs and bank statements. 

The Mortgage Company ran my credit, used my social security number, my personal identification information and impeded ( New Girlfriends ) finances to reflect on my behalf to approve the modification without my knowledge, or my signature. 

I HAVE ALL THE DOCUMENTS THAT WHERE USED TO APPLY FOR THE LOAN MODIFICATION. HOW IS THIS LEGAL AND POSSIBLE!! 

It is now a 45 year mortgage which incurred about {$55000.00} in fees, charges and has a fluctuating interest rate for the life of the new 45 year term. I was made aware of this sometime around XXXX. Because of the time frame, local county law enforcement have informed me that are unable to prosecute my Ex Husband or the mortgage company. 

I have called, I have sent letters and the mortgage company does nothing. The mortgage company has told me they did nothing wrong and due to the mortgage being current they have no reason to make changes. Because of this my credit has been GREATLY affected. I am being reported to the credit bureaus, and as such it has caused my debt to income to be affected which in turn does NOT allow me to have a good credit score. I have ALL of the documentation to prove all that I have stated. I NEED HELP its been 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am formally disputing the accuracy of the information pertaining to the listed accounts on my credit report. Upon identifying discrepancies, I proactively contacted the creditor to seek validation of the debt. Regrettably, the creditor failed to provide any substantiating documentation. My primary concern revolves around the misrepresentation of the account in question, falsely categorized as a late payment account. I insist on the provision of concrete evidence supporting the claim of late payments. In the absence of such evidence, I demand the immediate removal of the negative payment status associated with this account from my credit report. Account Details XXXX XXXX XXXX XXXXXXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the XXXX XXXX XXXX XXXX ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-02-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fruad Accounts On My Credit Report. 


XXXX. XXXX Credit Card XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: CT
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or correct the following items that are hurting my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-06
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX  party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 had violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 Account # XXXX - US Dep Ed, XXXX - XXXX XXXX XXXX, XXXX US Dept Ed, XXXX - XXXX, XXXX - US Dep Ed, XXXX - XXXX XXXX, XXXX - XXXX, XXXX - XXXX XXXX, XXXX - XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX, XXXX -XXXX XXXX XXXX - XXXX XXXX XXXX -XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ) FCRA section 602 A ). states I have the right to privacy 15 U.S.C 1681b-a ( 2 ) ( section 604 A section2 ) : it also states a consumer reporting agency can not furnish an 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 ( they may only report crimes. Not " Debts '' ) which antidates the report by more than seven years is 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 information is accurate.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submitting another CFPB complaint to reques to you to once again request to remove the fraudulent accounts and information from my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Under the Fair Credit Reporting Act section 605b, I am ordering you to please remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX  XXXX Balance {$7.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00}. You have been failing to send me copies of proof of verification or proof of ownership to support your claims that the disputed items belong to me. In the absence of such documents, you should have removed the fraudulent items from my Credit File.

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 2021-07-30
Company: EQUIFAX, INC.
State: TN
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:
My student loans had gone in default and were transferred to a collection company- back in 2018 I setup a payment plan to bring those out of default but the old information still shows on my credit report. In addition that company helped me consolidate my debt owed to middle XXXX XXXX XXXX into my loans that are out of default and back to being processed through XXXX XXXX and are currently deferred due to Covid 19. The XXXX old account information still shows on my report as well. This year I submitted a new fasfa and tried to reenroll at XXXX. I was told I still owed that account balance that I had thought was consolidated so I paid it to the school in order to enroll. After I submitted a complaint with you I noticed my consolidated loan balance went to XXXX rather than XXXX refunding the money to me during a current hardship as a single mother. I decided not to reenroll at the college due to a multitude of troubles that I endured while registering and with the financial aid awards being different than what I had been told in correspondence from fasfa. All the old holders of my loans before transferred or while in default are still showing also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: SC
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Robinhood is holding my tax documents from 2017 over my head and laughing when I try to access them. Robinhood unjustly and unfairly closed my account when one of their now-fired employees named XXXX made XXXX advances on me and I deflected them fearing that it was not professional and that in general he was just an old creep using his power at the company to get me to validate his poorly-made advances. Well now he's fired, but before he was fired, he kicked me off the platform because I didn't give into his poor XXXX advances towards me, something that Robinhood allowed one of their employees to do to a client.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX/XXXX  The company above has constantly ignored the fact that THIS DEBT AND COLLECTION IS NOT MINE AND I NEVER PURCHASED THIS SYSTEM! my information was also impacted by the XXXX  data branch and may have got into the wrong hands. I demand these items to be deleted immediately or i will file for litigation due to the XXXX  you caused me. 
And I have NEVER lived in the address on they claimed was my own. That address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Which is also an address they added onto my credit report! I have contacted them numerous times and they are yet to remove this information. They only " closed '' the account and it is still showing. PLEASE help me get this information off my 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 2023-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a payment on my account that was to be posted on XX/XX/XXXX bc it was paid after XXXXXXXX XXXX XXXX I noticed the month before XX/XX/XXXX I was charged a late fee of XXXX and I was also charged an additional late fee for the month of XXXX. Today XX/XX/XXXX I called Capital One and spoke with 3 representatives. The second person gave the name XXXX and the last XXXX XXXX XXXX XXXX XXXX XXXX. I spent XXXX XXXX XXXX XXXX explaining that I make my payment online and the card in question due date shows XXXX of each month on the main screen which is where you continue by hitting the XXXX XXXX XXXX and make payment. I did not understand why I was receiving a late fee when payment was paid and posted prior to due date. I was then advised that the correct was the XXXX of the month. I advised them per their payment site it is the XXXX. I also ask that they refer to my last couple of payments being made prior to this date. I asked if they would like me to send proof of due date I was shown and went over screen with each rep several times. I was advised they could not refund me the {$80.00} charges and that there was no one there that could help me. I was further advised that I could do a general complaint but they have no abilities to waive fees either. I expressed my concern with knowing what the correct due date is and that I should be able to trust info provided on the website. XXXX advised they didn't have any other complaints of this nature and that there is nothing he or his supervisor could do. I would just need to remember that it is due on the XXXX even if website reflects different refer to the statements. I advised that did not address my issue bc website should reflect proper due date and I should not be punished if it did not. Also advised I have proof that due date showing was on the XXXX. I simply wanted both past due fees removed. I was simply told the due date doesn't change unless I change or annual change which neither had occurred. I was told that he had to disconnect the call and if I wanted to speak to a supervisor I would have to call back and request to speak to a supervisor but it will not help bc they are unable to waive the {$80.00} in fees. The only offer was to waive XXXX in fees, however this would have been a courtesy waiver as if I asked XXXX I didn't pay my bill on time and this is simply not the case and I don't that reflected on my account. Per XXXX the call was recorded and hopefully it can be retained bc I was not belligerent and or rude only expressed my dissatisfaction with the process and questioned how I can move forward with future payments without knowing if the due date is correct. They would not accept info that I had to prove due date was conflicting. All and all I was told to accept what they said and there was no further discussion and or help to be provided. XXXX then hung up the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for Bank of America XXXX XXXX credit card via phone using my XXXX passport number since I do not have SSN/ITIN. Also, I am a new customer of their bank. Opened checking and savings accounts weeks ago ( XX/XX/2020 ). Since I am a new customer, I expected bank 's credit analyst was lenient on my application considering I do not have a US credit file and is trying to build one, however, how can I do it without any US credit card to start with? Application was declined and received letter from the mail about the decision. Reasons for decline were insufficient number of established credit references, insufficient established revolving credit accounts and limited deposit/investments balances with the bank. In my opinion, these decision outcomes were normal for an applicant with no US credit history and is just starting to build a relationship with the bank. They should be considerate and give chance to new customers on how to handle credit responsibly. It is true that we are in the COVID-19 crisis and that the economy is unstable, however, that does not mean that every new customer of their bank will have the tendency to misuse credit, indeed, they misjudged my application on the basis of no established US credit history and limited balances on my bank accounts with them. Let us not be PREJUDICE. I believe, the reasons that were mentioned above were not bad at all and can be reconsidered if they just open up their minds and be considerate. How can you gauge a customer 's ability to repay and on time if he/she does not have anything to start with? The key here is to establish a good relationship with the bank and build trust. I am hoping that Bank of America credit card department will reconsider my credit card application.

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