BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: Meadowbrook Financial Mortgage Bankers Corp.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was applying for a loan but I had to cancel the process because the second home inspection was not favorable due to termites and water damage in the property. Plus I didnt have the XXXX that MeadowBrook was requested hence why I asked them to issue a denial letter because I didnt qualify for the loan. Its been a month since I requested the letter and MeadowBrook mortgage is not responding or sending the letter. I need the letter so that I can get back deposit from the seller. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to submit a formal complaint to bring your attention to an unresolved issue regarding my consumer report dispute. I have previously submitted a dispute with Transunion concerning inaccurate information on my credit report, as mandated by the Fair Credit Reporting Act. In response to my dispute, Transunion has refused to investigate the matter, asserting that they do not believe the dispute originated from me. This claim is despite my submission of clear and thorough verification of my identity along with supporting documentation that unequivocally supports my dispute. I believe that this action by the credit reporting agency constitutes a stalling tactic and is in direct violation of the Fair Credit Reporting Act. As a result, I am facing significant difficulties and challenges related to my financial and credit standing due to the presence of this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: TX
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX BAlance : {$0.00}

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 2023-01-03
Company: Experian Information Solutions Inc.
State: TN
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'm not sure what legal authority you have to disclose this. When I contacted the court, I was notified that they do not check, verify, furnish, allow or share any public information with you. The United States bankruptcy court clerk advised they do not report to the credit bureau.

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 2021-01-21
Company: Self Financial 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: Account information incorrect

Complaint:
I made all my payments on time with XXXX XXXX XXXX also known as Self. They have reporting that i was passed due 30 days twice. I contacted them and they stated theyll change the payments to on time and it never occurred. They said they contacted the XXXX  and it never changed. This is a defamation of my character and violation of the law. Please enforce the law this has been going on for 3 months since XX/XX/XXXX to XX/XX/XXXX ; because of this I was un able to get approve for several of my credit card applications. I seek the correction of the account on my credit report and monetary relief for their actions through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a citi card that was issued around XX/XX/XXXXXXXX  the thing is the card was sent to a different adress than where i reside ... .Once they corrected that issue and i received my card i began using it at the costco XXXX XXXX XXXXXXXX  XXXX I only used the card 3 times within a day or 2. Once i recived the bill i paid for the purchaes that i made, but i was told that the card was used in many locations and different states. I told them that i had the card in my posession and I did not make the purchaes that were attached to my account. I disputed it with the credit card company, and they denied the claim because they said i still had the card in my posession. I told them that the original card was sent to a different location and that could be why other charges we added to my account ... ... ..I asked them to look up the initial adress where the card was first mailed to and thet told me they do not see any other address on 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 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im reaching out to CFPB for assistant as i have Sent serval disputes on accuracy of investigation regarding XXXX XXXX XXXX that's reporting on my credit. This is my fourth attempt to get this resolved. I ; m well aware that the credit agencies should be following the rules of 15 USC 1681. I didn't get anything in the mail or confirm who they verified this information from.

15 USC 1681 ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later in addition to that I just seen that XXXX responded to my investigation but i just noticed that they also had the incorrect social. So if the social is incorrect how can they credit agency confirm that the account was accurate when that isn't my social.

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 2023-08-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Date of transaction : XX/XX/XXXX Amount : {$280.00} Nature of dispute : a merchant in the XXXX XXXX issued a credit in the amount above to my Chase credit card ending in XXXX, which I had originally used for a purchase in XX/XX/XXXX ( one of the items broke and it was still under warranty ). The merchant issued the credit to my credit card via XXXX. As of XX/XX/XXXX, Chase has not been able to locate the credit and my money is missing. 

Trace number : XXXX ( provided by XXXX XXXX ) Attached are all contacts I made with XXXX and Chase between XXXX and XX/XX/XXXX together with the unsatisfactory resolution. 

I can't tell if the problem is that XXXX did not send the credit correctly to Chase or whether Chase misplaced the refund. The fact that two financial companies are involved complicates the situation. What is 100 % true is that Im a defenseless consumer. Neither XXXX nor Chase have been able to resolve the situation. Im caught in the middle while my money is nowhere to be seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a 360 checking account and was promised a {$400.00} bonus by making two deposits using ACH, direct deposit, or other means. I called the bank to verify that the transactions deposited into the account qualified, but they will not tell me what kind of transaction the deposit actually is or if it meets their criteria for qualification. On my statement it does not indicate direct deposit, ach, or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: TX
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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: NRA Group, LLC
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:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2021-10-21
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was approved and funded for a PPP in XX/XX/2021. In XXXX I was told my account with Navy Federal was compromised and couldnt access my funds. {$17000.00} was left from the loan in my savings account. I was told by the security department that the funds would be sent back to the lender XXXX because the funds where deposited into my personal account and it shouldve been a business account. I havent been able to reach the lender but I applied through XXXX and theyve reached out to the bank several times requesting the funds and theres still been no resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
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:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/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, GA XXXX XX/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 2023-06-09
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
On XX/XX/2023, I file letters to XXXX, XXXX, and XXXX To remove bad information from my credit report within 30 days I received letters back that the information that they had was verified by LexisNexis. LexisNexis has no right to this information. On Letters XX/XX/2023, I sent out letters to Lexis Nexis to remove my personal formation from their systems. Because they have violated upon my consumer rights to privacy. 15 USC 1681 ( a ) ( 4 ) Violation Upon a Consumers right to privacy. CCPA Rights Right, to Limit the Use or Disclosure of Sensitive Personal Information You have the right to limit the use or disclosure of your sensitive personal information. Sensitive personal information may include but is not limited to information such as your social security number, drivers license number, state identification card, passport number, financial account information, or precise geolocation. A request to limit the use or disclosure of your sensitive personal information will prohibit your sensitive personal information from being used or disclosed except for certain uses provided by law, including but not limited to : Detect security incidents, resist malicious, deceptive, fraudulent, or illegal actions, and to help prosecute those responsible for such actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-16
Company: Bread Financial Holdings, Inc.
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was notified by XXXX XXXX XXXX that there was a new inquiry on my credit report and identity verification on XX/XX/23 for a Ikea credit card application. I did not apply for this credit card. 
I already reported this fraudulent application to the bank and I submitted a theft case with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: In progress
Consumer complaint received 2023-05-23
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX of XXXX XXXX contacted me, they explained for a monthly fee of XXXX to XXXX dollars they could settle my credit cards out of court. And my credit would be repaired. I signed a contract with them. They drew money out of my account until XXXX of XXXX. Then I started getting court notifications from credit cards, and judgements put on me. When I tried to contact XXXX they said they sold my contract to XXXX XXXX practice. Which I did not give my permission! XXXX XXXX sent me a form to act as my limited power of attorney. When I tried to get a hold of either company the numbers where disconnected or no one would ever answer. I've sent emails to both companies without response and I also sent a certified letter to XXXX. This was returned to me stating there was no forwarding address. I spoke to some of my credit cards and they said they never received anything from XXXX and the other credit card companies said they couldn't speak with me because XXXX was representing me. I do not know what to do now.

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 2023-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America has locked me out of my account after trying to deposit a {$1000.00} check from my uncle. The check was rejected by the bank in spite of the check being valid and the maker account being funded. The funds were then re-sent to me via XXXX for the same amount by my uncle. I was able to access a portion of the funds, but Bank of America locked my account later that day on XX/XX/XXXX. They locked me out entirely right before XXXX. I also receive XXXX XXXX into that account. The date they locked my account was already after the cutoff time to be able to switch the deposit to another account. I called Bank of America on XX/XX/XXXX they stated that due to the terms and conditions, they reserve the right to close my account for no reason and they have decided to do so for " business reasons. '' I spoke with two supervisors, and nobody could give an actual reason or explanation and refused to allow me to speak to anyone higher than the second-level supervisor. I spoke with them again on XX/XX/XXXX, and they stated that because the account is in the process of closing, I will have to wait until at least XX/XX/XXXX to have an official check issued to me as I am XXXX and currently live more than an hour away from the nearest branch. I am temporarily staying with my brother in XXXX Maine. They have yet to explain why they have terminated my account and I have been forced to go without access to my social security funds that were deposited into the account. I feel the bank has blatantly abused me as they know I have limited resources and that there will be little to no recourse for their actions.

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