BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, TransUnion, XXXX, and XXXX has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 

The information in question are listed below. 
XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX in amount of XXXX XXXX XXXX XXXX  in amount of 1998

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 2023-08-14
Company: Rozlin Financial Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rozlin Financial Group Inc ( RFGI ), XXXX XXXX XXXX XXXX, IL XXXX has placed a collection item on XXXX, XXXX and XXXX credit report in the amount of {$1800.00}. I do not owe this debt with RFGI and it is negatively impacting my credit score. I requested a signed documents showing that I've done business with them and they sent me documents from another company but not RFGI. I filed a complaint with XXXX XXXX XXXX as well and RFGI refused to remove this item from my credit report. This is a violation as a consumer and I request this item be removed from my personal credit report. 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 2021-12-29
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was purchase FlagStar bank on XX/XX/XXXX and my first payment with them started on XX/XX/XXXX. At this point FlagStar bank stated that I need insurance for my condo, I have the HOA insurance and private insurance outside, which both were provided to the bank. On XX/XX/XXXX this bank force the insurance on my loan for the amount of {$1600.00}, making my payment jump from {$1800.00} to {$2000.00}. I called and provided a copy of the insurance. I made a every single payment early ( I am an XXXX that usually gets by XXXX of each month so I pay all of my bill for the next month ahead of time ). Well, they took my XXXX payment and put it as an additional payment to the principal because it was no enough to cover the {$2000.00}. I called in XX/XX/XXXX to let them know that my that money needed to be put as a payment and not as an additional principal because the payment should be XXXX, all late feeds need to be credited to my account, that they needed to fix the payment for the right amount without the insurance. They did an analyst to my account and it was determine that was the correct information and that every should be correct and my next payment should not be XXXX, but XX/XX/XXXX. I login at the end of XXXX to due my XX/XX/XXXX payment. We still have the same issue. Apparently, I still do not have insurance thru my HOA, again I upload a copy of the insurance declaration page to their website. Called again in XX/XX/XXXX to get my account fixed they told me again everything is taking care, and it was not. 
On XX/XX/XXXX I called on the XXXX, the XXXX, the XXXX and on the XXXX to get my account fix and noting was done on it. They keep placing late payment on my account and not correcting the balance of my account. 
I made all payments by XX/XX/XXXX at XXXXXXXX XXXX, and still can not make my XXXX payment because of their poor account. 
I have worked with this company every single month since XX/XX/XXXX, and they are unable to correct their accounting errors. I was diagnosed with XXXX on XX/XX/XXXX, and my XXXX is really XXXX, I can not sleep, can not eat, my XXXX is to the XXXX. This situation is really frustrating, I called every month to get fix and still not fix. I do not know what else to do. Please help me, please. 

Thanks

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX : {$6500.00} XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Creditors Bureau Associates
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a doctors visit on XXXX XXXX with XXXX XXXXXXXX XXXX at the XXXX XXXX. I was billed {$130.00} for the visit. My health plan Explanation of benefits shows a diss allowed amount of {$20.00}. My ( patient health plan member responsibility ) was {$110.00}. The bill was sent to collections. Creditors Bureau Associates sent a collections letter. I had a phone conversation and emailed XXXX XXXX on XX/XX/XXXX at CBA that my E.O.B. Says that I only owed {$110.00}. I emailed XXXX XXXX the E.O.B. as she requested. My attorney advised me not to pay it until after the settlement. XX/XX/XXXX I made the full payment of {$110.00} to the collection company CBA above. They continue to this charge on my credit report, and Ive disputed it several times with this company. My doctors office called me today XX/XX/XXXX and said I cant be seen until I pay the collection company Creditors Bureau Associates {$20.00} that I dont owe them. I called the collection company today XX/XX/XXXX @ XXXXXXXX XXXX. and I spoke to XXXX XXXX. XXXX asked me why do I think I dont have to pay the {$20.00}. I told XXXX because I dont owe {$20.00}. Why havent you proved the validity of the debt. XXXX asked me why did I send in a copy of my Explanation of Benefits. I said because its proof that I dont owe you {$20.00}. XXXX said he could no longer talk to me because I disputed the debt. He even read to me the {$110.00} was paid. No I can NOT see the doctor with a PIN code from this collection agency saying the debt has been satisfied. I DONT OWE THE DEBT. XXXX was rude, and refused to correct the issue. Just an arrogant I cant help you. I dont have anything else to say to you, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: AMERICAN EXPRESS COMPANY
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: Problem with rewards from credit card

Complaint:
I opened an American express Delta Sky miles credit card in XX/XX/XXXX with a promotional offer of XXXX bonus miles. When I applied I did not receive any pop up message that said I would not qualify. I applied and received the card, I then proceeded to follow the rules in order to obtain the bonus miles. I charged over XXXX XXXXXXXX within the first 60 days, actually it was probably less than that. 
I called AMEX in XXXX asking when I would receive my bonus miles, I was advised by XXXX on XXXX @ XXXX that I didnt qualify and I would not be getting the points. She opened up a dispute case for # XXXX. I called XX/XX/XXXX and spoke to XXXX who told me that I DID qualify and that I should be seeing the points at the latest XXXX. 
I called in on XX/XX/XXXX and spoke to XXXX who looked at the dispute case and advised me that it was closed and it just stated that I didnt qualify. So he opened a new case for # XXXX and advised me to call back in 3 weeks for a status. I called XX/XX/XXXX and talked to XXXX who said there was no decision yet and would have a 2nd level manager call me back. Well that never happened so I had to call in yet again on XX/XX/XXXX and talked to XXXX. He looked into the complaint case and told me that the case was closed as I didnt qualify. NOT during any call as ANYONE been able to tell me EXACTLY why I didnt qualify for the bonus points. I requested a Supervisor so he transferred me to a XXXX. This guy spoke like he was reading from a manual and could care less about my concerns. You could tell he didnt care at all. Again he could not tell me why I didnt qualify! 
My husband and I have been customer with AMEX for over 25 years. 
I think its false advertisement how amex offered the bonus points and now say I dont get them but cant tell me why. I see XXXX XXXX XXXXXXXX just had a very large fine from the CFBP for doing this some thing! 
If you would like to speak with me I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
capital one auto is currently reporting a deficiency balance of {$8500.00} on my credit report as a result of a repossession on XX/XX/XXXX. i never received a letter in the mail regarding where the car would be auctioned, which is a violation of F.S 537.012. per florida statue 537.012 ( 3 ) Upon taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. i never received this notice. i have been disputing this account for a couple of years now. i recently contacted capital one auto XX/XX/XXXX @ XXXX am and i spoke with a representative by the name of XXXX XXXX ; she reassured me that capital one had sent several notices out and that she'd be mailing them out to me via usps. today is XX/XX/XXXX and i have yet to receive any proof from capital one that the proper notices were sent to me in a timely fashion permitted by florida law where the car was repossessed. in addition there is also a discrepancy with the actual accounting for the remaining balance ; i asked ms. XXXX who the gap insurance provider was and upon looking in the system she wasn't able to give me a straight forward answer. if you can not verify who the gap insurance was provided by how can you calculate a final refund into the final accounting?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I am writing to file a formal complaint against Chase Mortgage regarding their refusal to provide manual underwriting for FHA mortgage loans, specifically under the bankruptcy rule of less than 2 years but greater than 1 year. Despite my eligibility under the Federal Housing Administration ( FHA ) guidelines, Chase Mortgage has stated that they do not offer manual underwriting for such cases. 

As a responsible borrower who has taken necessary steps to recover financially after a bankruptcy, I have relied on the FHA 's favorable guidelines to secure a mortgage loan. According to FHA guidelines, borrowers who have experienced a bankruptcy but have demonstrated financial responsibility for at least one year after the bankruptcy discharge should be eligible for manual underwriting. This provision allows borrowers to present their case for loan approval based on their current financial standing, rather than solely relying on their credit score or traditional underwriting. 

However, despite meeting the required criteria, Chase Mortgage has refused to consider my application for manual underwriting under this rule. Their refusal indicates a departure from FHA guidelines and shows a lack of commitment to providing fair and inclusive access to mortgage financing. 

I believe that Chase Mortgage 's failure to offer manual underwriting for FHA mortgage loans under this specific bankruptcy provision is discriminatory and may potentially infringe upon the principles of equal opportunity and fair lending. By denying qualified applicants an opportunity to present their case through manual underwriting, Chase Mortgage is hindering their access to homeownership and contributing to further financial exclusion. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Chase Mortgage if found in violation of FHA guidelines or engaging in unfair lending practices. Furthermore, I urge you to ensure that Chase Mortgage reviews its policies and procedures to align with FHA guidelines, guaranteeing fair treatment and equal opportunity for borrowers recovering from bankruptcy. 

If there is any additional information needed to assist with the investigation, I am more than willing to provide any necessary documentation or details to support my case. I trust the Consumer Financial Protection Bureau 's commitment to consumer protection and fair lending and request your prompt attention to this matter. 

Thank you for your attention to this complaint, and I look forward to a resolution that promotes fair lending practices within the mortgage industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Both XXXX and XXXX Removed the accounts that have issues on my account however the other day I received a letter from TransUnion stating they investigated the same accounts and found them to be valid. So regarding the federal student loans according the law a debt is only supposed to remain on your credit report for seven years, however there are accounts that state there is a XXXX balance that are from XXXX, XXXX, XXXX, XXXX and so forth that is past the seven years. Then there is a collection agency called aargon agency stating I owe them {$890.00} however I do not have a contract with this company. The company sent me a letter with the company I do owe which is XXXX XXXX XXXX XXXX  for a membership I never used. I have never contracted with XXXX XXXX, nor did I ask them to purchase my debt from the XXXX XXXX. The same goes for XXXX XXXX XXXX XXXX the creditor that does not have a wet ink signature is XXXXXXXX XXXX XXXX  never contracted with XXXX XXXX or XXXX XXXX XXXX or the Account XXXX XXXX XXXX nevada XXXX Both XXXX and XXXX removed this information from my credit report. Transunion should do the same

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 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX to Whom it may concern, My name is XXXX XXXX XXXX I am closing on my new home when I recently discovered that I had some issues on my credit report that need some attention. I have addresses that do not belong to me and unknown phone numbers. 
These are the unknown addresses please delete : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

UNKNOWN PHONES NUMBERS : ( 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 non-monetary relief
Consumer complaint received 2022-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an item from Bank of America on my credit report that does not belong to me and must be removed because its a fraud item but they always return back confirming that this account belongs to me with no proof. I need this item removed from my credit report because its effecting my life and i will look into legal means if this does not get solved soon

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 2019-02-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/19 a check was deposited into this account for {$3000.00} but only posted to the account for {$1000.00}. This is the second time since XX/XX/XXXX we have had a problem with Chase and a keying error and they didn't fix the first issue so we don't really expect them to fix this issue on their own although we will also be contacting them. This is extremely irresponsible of them to continuously make these kinds of errors and there is no accountability for the errors they make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
State: NV
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:
Please see your complaint number # XXXX The issue is with XXXX. For over 2 years, multiple letters and complaints including yours have been ignored. They have been incompetent and negligent by failing to respond to their error.

There is no no issue with my creditors. They keep asking for a specific creditor that I am having trouble with but I dont have any creditor issues.

They will not LOOK AT THE COMPLAINT with any senior / experienced executive. I have NO problem with the other credit bureaus. 

I have over a 45 year credit history and yet they have not updated my report. 

They say : NO open accounts NO open real estate account No open bankcards or credit cars NO RECENT REPORTED ACCOUNT INFORMATION FOR OVER 2 YEARS. They keep responding that everything is ok but the problem is their portal THEY NEED TO CORRECT THEIR COMPUTER GENERATED ERROR.. 
They obviously ignore complaints or letters including from the federal government.

Company response to consumer: Closed with explanation