BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Bank, Bank of America will not release my funds which are free and clear. They had flagged my account due to what they had seen as a questionable payment towards my charge balance. The money in the account is what I need to live for food and my bills. Last Monday on XX/XX/XXXX, I requested my funds and was told they would respond in 1-5 business days. Today, XX/XX/XXXX I called and was told to try later this afternoon or tomorrow. There is currently {$5100.00} in my checking account. Furthermore, my pension check will be deposited on XX/XX/2022 Thursday. I need the money desperately.

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 2023-04-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 a Business account of JP Morgan Chase Bank was wired XXXX from my SBA loan account. Immediately upon not receiving the merchandise Chase was warned that the account the funds were wired too was a deceptive business who had been pirating photos of equipment on the internet and selling via multiple mediums to multiple people. Evidence was provided of piracy, and other victims. Chase said only the sending bank needed to reverse the wire. When sending bank attempted to reverse it, instead of letting the reversal go through or temporarily freezing the funds and opening an investigation, Chase took the response of the accused business that they " by terms of contract " they had 30 days to ship. There were no such terms, with out investigating or asking for proof Chase denied the reversal. Over 30 days past the incident sending bank asked for follow up and again Chase did nothing. I have researched and believe the offender does not have a Federal tax ID number and should have never been granted a business bank account. Chase representatives have not followed up with me or sending bank. Lack on their part of any investigation or attempt to stop this criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
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:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: IL
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:
======================== The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for 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 2023-04-24
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am having difficulties submitting my dispute by mail.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I got the auto loan in XXXX and the car was repossessed in XXXX. It was sold at for a little over 8 thousand. It was updated on my credit report in XXXX.Ever since it continues to be updated and listed as a personal loan on my credit report and it appears to be renewed, every time the removal date comes up. There is no balance due, this is just malicious, I'm fairly certain this violates the fair credit act.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-10-15
Company: CITIBANK, N.A.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Home Depot reported me 30 days late when I have made a payment already. Not to mention my next payment is not due until XX/XX/XXXX of 2022 they are violating FCRA guidelines. I have proof of payment as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Synovus Bank
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XXXX I opened a prepaid credit card and I paid {$200.00} I never received my credit card or statement. I called and they stated the card hasn't been activated and I owed late fees and it was being reported to my credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I received a investigation results from TransUnion on the XX/XX/XXXX. Also another investigation results report on the XX/XX/XXXX. I got the investigation results for XX/XX/XXXX on XX/XX/XXXX in the mail. 
The investigation results received on XX/XX/XXXX is inaccurate and incomplete. Which is direct violation of 15 USC 168s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I know they are doing this intentionally. 
Now according to 15 USC 1681e ( b ) whenever a consumer reporting agency prepares a consumer ( Me ) report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They must be incompetent or just didn't even investigate my dispute. It is always we didn't receive any information from the creditor. I sent the same documents from the creditor indicating the updates. I don't understand, because as you investigate my attached supporting documentations. You will come to find out. That XXXX and XXXX received all correct information. That XXXX XXXX XXXX XXXX XXXX sent directly. 

Lastly, the last investigation results report from XXXX. TransUnion has added a ( Original Charge-off ) to my credit profile. When the XXXX account was paid/closed XXXX balance. 
Also I have attached certifiable proof. That neither XXXX nor XXXX indicate a Charge-off or any Delinquencies.

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 2017-04-04
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Client has been repeatedly mistreated during efforts to modify loan, most recently was denied based upon his being divorced and a " successor in interest '' to the original party to the note, his ex-wife. Specifically, modification was denied on basis that property was not " owner occupied '' despite client 's ownership and occupancy, demonstrated to servicer countless times. Second, denial of application based on this " occupancy '' issue is in direct violation of the XX/XX/XXXX amendment to the XX/XX/XXXX mortgage rules under RESPA ( Regulation X ) and TILA ( Regulation Z ) found at 12 CFR 1024 and 1026, which rules were implemented to protect " successors in interest '' to mortgage and property ownership by virtue of divorce decree. Despite this status and the explicit provisions of the rules, client 's modification was denied based on his status as " non-borrower '' ( the so called " brick wall '' ), the repeated request for unnecessary and nonexistent documentation of home ownership and occupancy ( the " treadmill '' ), and have otherwise made the application for modification unnecessarily difficult. The same documentation was requested countless times. When the servicer 's employees would finally acknowledge receipt of a particular document, they would invent inadequacies and demand additional information which bore no relation to the client 's ability to pay the loan or any other relevant factor in evaluating this request. By way of example and not limitation, client is XXXX and submitted personal financial statement. Servicer then requested further documentation to explain the financial statement in detail which was simply designed to make client produce more paperwork, and did not provide any additional information. These requests for " clarification '' were repeated and abusive, and the ultimate denial of the modification was not based upon any of the information repeatedly provided and painstakingly supplemented, but upon the " borrower 's '' non-occupancy of the property in question. Servicer also claimed investor did not offer modification under the circumstances in question, a claim that was never validated or documented. In short, client was completely " run around '' in the process of attempting to modify his loan, and his application was improperly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my partner made a Deposit of {$1000.00} inside XXXX XXXX, PA XXXX of Citizens Bank. At the end of the month i noticed i have {$1000.00} short in balance since i maintain an XXXX sheet for my deposit and withdrawal. I called the bank and they told me yes there was a deposit on XXXX but clerk made a mistake and deposited the fund twice and made a {$1000.00} withdrawal to balance is out. I was like, based on the statement i only see one deposit and one withdrawal. Basically clerk deposited and withdrawal my money. 
Its been more than 3 weeks and i have not received any claim update from the bank. They made me file a fraud claim saying it was a check ( changed their statement ) which was cashed in the branch, and failed to provide a copy of that check. All i want is my money back and also action taken against this bank/cashier if it was intentional. My Full XXXX statement attached with highlighted one deposit and one withdrawal on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX. XXXX XX/XX/2023 You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX account # Acct # XXXX ), has violated several of my rights.

15 U.S.C 1681, section 602A ; Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a consumer report under an open-ended credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act Sincerely,

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 2022-03-28
Company: EQUIFAX, INC.
State: IL
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 Convergent accounts 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 In accordance with the Fair Credit Reporting act Convergent 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 an account without my written instructions 15 U.S.C 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting section ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In General : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Hauge Associates, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received several calls a day from random numbers throughout the country. They will not tell me who they are when they don't hang up on you, they don't leave messages, extremely rude,. I have repeatedly told them to stop calling me a contact me via mail and I will give anything to my attorney. This has been going on for months, everytime I block their call I get it from another area code. When you XXXX  some of the numbers it tell you Hauge and associates. They have no professionalism, they threaten you, they don't tell you what anything is about and just tell you to give them money. 

If I have an account out there that I don't know about or anything, why cant they send me the information I request via mail so I can validate that this is a legit debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
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:
I RECENTLY RAN MY CREDIT AND NOTICED SEVERAL ACCOUNTS THAT WERE NOT MINE. I NEED THE BELOW ACCOUNTS, WHERE APPLICABLE, TO BE IMMEDIATELY DELETED. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS. 

I HAVE FOUND TWO OF MY ACCOUNTS REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNTS. PLEASE AMEND THESE ACCOUNTS TO SHOW, NEVER LATE. 

I AM IN ESCROW AND NEED THESE ACCOUNTS DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: LA
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:
Called Sent Proof Several Times Its unlawful to misuse my credit without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: OR
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:
On XX/XX/2021, there was a hard inquiry on my Equifax credit report. It came from XXXX  XXXX XXXX XXXX. I did not authorize XXXX  XXXX XXXX XXXX- verbally, electronially, or physically ( via signature ) - to access my credit report. I then promptly filed a dispute with Equifax regarding this innacurate hard credit pull, as I did not authorize this. I do not believe the action was one of Identity theft, because I did have an account with this credit union, but they accessed my credit report with information they had on file and without my authorization or provided information. Equifax refused to remove the hard inquiry after my report was filed. Documentation of this is attached. I requested the credit union remove the hard inquiry, but they refused and told me to contact equifax to dispute it, which I did as I mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: DISCOVER BANK
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Discover offered me a 0 % interest rate on all purchases until XX/XX/XXXX. However, I was charged interest on my XX/XX/XXXX statement. I called Discover and an agent agreed that I should not be charged interest and she refunded the interest charge. However, I was again charged interest on my XX/XX/XXXX statement. I called Discover again, but this time the agent refused to refund the interest charge. I believe that Discover is committing Unfair and Deceptive practices by charging interest that is in contradiction to the offer they provided to me.

Company response to consumer: Closed with explanation