BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this XXXX complaint myself and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. There are still remaining Inquiries that are reported to my Credit Report. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: GA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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 2023-06-28
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX, I paid a regular monthly mortgage payment ( listed on their web page ) as a ( Minimum Payment Due ) instead of a ( Next Regular Payment Due ) ahead of time - to be applied for the month of XX/XX/XXXX - Instead Chase Bank applied the payment to the Loans ( Principal Balance ) or note as a ( Principal Prepayment ), without my written permission, or notification, as ( written in the Loans Note ) under the ( Terms of Prepayments ) of the Original Loan with XXXX XXXX in XXXX : I had no problems with XXXX XXXX pre-paying my ( regular monthly mortgage payments ) ahead of time, in fact at ( 1 ) point I had prepaid my regular monthly payments nearly ( 1 ) year in advance : Chase has a Faulty, if not Intentional Payer Online System or Webpage, that does not apply a prepaid ( Regular Monthly Mortgage Payment Early ), instead their ( Bait & Switch System ) Automatically takes your ( Minimum Payment Due ) or your ( Regular Monthly Mortgage Payment Due ) - & applies it as A Pre-Paid ( Loan Principal Payment ) without you knowing & without Chase Bank asking your Permission to do so at the ( Time of Payment ) : You later find out your ( Payment has not Posted ) correctly, & then you have to Beg by Telephone to get Chase Bank to apply your payment properly. 

With excuses from Chase Bank like, I ( the Borrower ) was short on their Escrow Account, so they applied the early ( Monthly Mortage Payment ) to the Escrow Fund, instead of applying the payments according to the terms of the Note : Yet Chase Bank has a separate online column or Button to Prepay your Principal or Escrow early if you choose to, So how can they mistakenly take your ( Regular Monthly Mortgage Payment ) & apply it to the Loans Principal without your Knowledge, or Approval, or by Your Online Action, then make you call them and wait for approval to correct the transaction? 

When Chase Bank Broke the Terms of the Note, & the Servicing Agreement, intentionally, by an illegal algorithm, or system, designed to apply ( Regular Monthly Mortgage Payments ) to your ( Principal ) without your ( Knowledge ), then ( Refusing by Phone ) to leave a Voicemail, concerning, if they will decide to apply your Mortgage Payment Properly in a timely manner in the Future?

Are, they ( Chase Bank ) making money on your payments applied to the ( Principal ) rather than towards your ( Monthly Mortgage Payment ), or by stalling to apply the money properly for days or weeks, on end? 

Note : By reducing the balance of Your Mortgage Loan, rather than using the Money for your Monthly Mortgage Payments, Chase Bank is reducing their, portfolio exposure by paying Loans off sooner : Screen shots are available of the Chase Mortgage Web Page- Please just ask Chase to offer their Facts of My Loans Web Page - Today on XXXX Thanks for your time : )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: ERC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  has been contacted several times to investigate an error on my credit report. I contacted XXXX  directly on XX/XX/XXXX and a representative stated he was opening another dispute of the company ERC representing XXXX. My complaint is the amount owed to XXXX is incorrect and I have requested the documentation from the date I came to the store showing I purchased my XXXX  from the company and showing how XXXX came up with the {$900.00} amount. I disputed using XXXX XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, the dispute is listed as valid, however, no documentation is provided to me to review. Therefore, the company is unable to prove the {$900.00} debt and I am requesting it is removed from my Transunion credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-18
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:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: MI
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 


XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; 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 explanation
Consumer complaint received 2023-06-28
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I order a transmission on XXXX XXXX. For a company XXXX. XXXX XXXX sale person..I order the transmission. He say it be delivered next week XXXX XXXX XXXX. It didn't came .I call his number XXXX .disconnected. So I found the business site called there number .disconnected.. 
So.I was scam no where to find..I call cash app there tell me. Sorry to here the we get back you money.refunded. .My have to wait XXXX Business days.that was form XXXX agent..as I wait I call back to see what happened. A different agent tell me I can't get my money back.which make no sense there policy says if there's a scam they will return your money. At the same time it say no it .So it sound like Cashapp scaming. People 's .It insurance by there bank for scammer protection.The just how banks works. 

Anyway .I even show them on my account it show it was refunded on XXXX XXXX.But I never see it. .I told them all I get is a rerun to the policy page from every other agent about no refunded if it a complete or cancel order.even tho I show them in writing you do. This is form of bank discrimination I feel like. You have insurance for scam protections but it's only for certain people that's not fair. All I wanted is my XXXX back. It show it was refund in my account but I never see it in my account.There have problems with XXXX  phones which I have an XXXX  phone so maybe that's was the problems I was telling them that didn't show up in my account.. Your see all the info ... Cash app having a lot of problems..just need to fix and be fair to all people 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX and again XX/XX/XXXX, The Credit Bureaus stated that a Public record of a Bankruptcy on my Experian account number XXXX and reporting XXXX Bankruptcies on my XXXX report account numbers XXXX and XXXX these public records are not be shown on my XXXX report. I have contacted of theses public record and the courts have provided me proof of not having any record in there system. Also they stated in letter that they don't provide information to the credit bureaus. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well. I have sent them certified letters on the dates listed above.

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 2019-03-22
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We received a pre approval letter with Ameris Bank in XX/XX/XXXX for a loan amount of XXXX to build a single family home and a pool on a lot in XXXX XXXX that we own outright. Our loan rep stated that the next step we needed to take was to obtain a signed builders contract and a signed pool contract which was needed to move forward. We did that and in order to obtain a builders contract, the builder wanted a 10 % downpayment which we gave. We waited for weeks for our loan rep to schedule a closing and in the meantime the builder began lot clearing and pouring of the home slab using the funds from our down payment. After submitting all types of documents that our loan rep requested we were then told out of the blue they made an oversight and missed something and could not fund our loan. We were then told in XXXX to wait until XX/XX/XXXX and they would have a program for us to be able to obtain a loan. In XXXX I reached back out and got several run arounds and was told due to our credit decrease they could not help us. The reason for the credit decrease was due to several credit pulls by Ameris that should have never happened and I explained that to my loan rep which she wanted proof which I provided all the inquires and after more run arounds was told they cant fund our loan. Ameris Bank openly admitted to making a oversight causing us to not get the loan and then requesting a signed builders contract knowing we would have to put money down to know they wouldnt fund us is very unprofessional. Now I have legal issues with the home builder and pool builder as we have signed contracts with them not to mention we now have to build our credit back up due to all the inquiries dinging our credit reports. Our loan rep stated in the first conversation that this loan request is a no brainer and would entertain this most certainly seeing we own the lot outright and will have instant equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: JPMORGAN CHASE & CO.
State: PA
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:
Received letter in mail XX/XX/XXXX advising that my application for a Chase credit card was missing information. I reviewed my credit report as I did not apply for a new credit card. Notes that XX/XX/XXXX there was a credit check from XXXX and XX/XX/XXXX there was a credit check for XXXX. Looking for advise on how to protect myself from someone opening a credit card under my name/ credit, as just this credit check, lowered my score by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: LEXISNEXIS
State: WI
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 first sent out my inaccurate information dispute letter on XX/XX/2023 for XXXX XXXX. I waited XXXX days to receive either an update or verification of the information that I requested to be deleted for inaccuracies. I haven't received anything. On XX/XX/XXXX, I sent out a follow-up letter requesting that the information be deleted and still haven't received anything back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In early XX/XX/XXXX I noticed several fraudulent transactions on my Wells Fargo Debit card totaling around {$2900.00}. 10 transactions total. These transactions are 100 % fraudulent and include payments to a XXXX XXXX cruise line and out of town vendors that I do not recognize. All transactions were conducted without the presence of my debit card, ie, were entered manually with the card information without the card present. Immediately upon noticing these fraudulent transactions, I filed a fraud claim with Wells Fargo. I learned today, XX/XX/XXXX, that Wells Fargo has denied my claim. I spoke to numerous people in the fraud claims department and all have told me that Wells Fargos decision is final and my only recourse is to file a police report or to contact the merchants directly. On one occasion, I asked to speak with a supervisor and was placed on hold for 30 minutes before hanging up. This is unacceptable. These transactions are clearly fraudulent.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 I received a letter from XXXX XXXX XXXX, stating that my account was paid in full which satisfied the account and the account was zeroed out and closed. I have my title to my car which I received in the mail. In the letter it stated that they would notify the credit reporting agencies to update my records to reflect the account satisfied and closed. There are several reports of reports of late payments after this date. I have proof of the injury caused by this negative reporting which was uploaded with this compliant. This was a violation. By these negative reports I was discouraged from applying for other extensions of my 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 2022-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank of America ( BofA ) Sent me a letter inviting me to open a checking account : XXXX. Before XXXX, XXXX, 2022. 
XXXX. Enroll the account with the unique offer code XXXX XXXX. " Set up and receive XXXX XXXX XXXX totaling {$4000.00} or more into that account within 90days of account opening ''. 

The letter said if I did all 3 above, I will receive {$300.00} as a bonus offer. 

I opened the account on XXXX, XXXX, 2022. I enrolled the account with the unique offer code and I have set up and received XXXX XXXX XXXX {$2300.00} on XX/XX/2022 and {$2300.00} on XX/XX/2022, totaling {$4700.00} in the month of XXXX alone. My salary is paid twice in a month. 

Based on this and my interpretation of their offer, I believe I have met the conditions and should receive the {$300.00}. 

However BofA is claiming I failed to meet the number 3 condition above because it is in 2 installment of {$2300.00} ( i*e. {$2300.00} * XXXX = {$4700.00} ) and not a single {$4000.00} direct deposit payment. 

I believe their interpretation of the letter they sent to me ( which is attached to this complaint ) is wrong and I have met all the 3 conditions above. 

Account Number : XXXX Phone number : 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 monetary relief
Consumer complaint received 2021-12-03
Company: Navient Solutions, LLC.
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 XXXX XXXX who is submitting this CFPB complaint myself. I sent letter to DEPT OF ED/NAVIENT the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NAVIENT XXXX XXXX XXXX XXXX XXXX, NAVIENT XXXX XXXX

Company response to consumer: Closed with explanation