BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Santander Bank has repeatedly lied over the years to me about their practices. I recently asked to remove my escrow as my payment increased almost {$100.00} for the first time in 24 years. I was told to wait to make the payment as they were going to stop the escrow and instead of paying {$670.00} the payment would be {$370.00}. They told me to send in {$95.00} to wipe the Escrow out. I had sent in the money and did not make the payment. I called on Friday, XX/XX/XXXX and was on the phone with collections and the escrow department, talked with at least 5 different people and was told 5 different stories. After hours on the phone and complete frustration, I got nowhere. I called again Monday, XX/XX/XXXX, and also got nowhere. I talked to 2 different Supervisors and got two different answers again. The took my financial records and told me that I would eligible for a repayment plan. She said the payment would be almost {$1200.00} a month for three months. I asked is that all you can do for me since this is your fault and she got snippy with me and said, go borrow the money from your friends or a loan company or a 401 K.At that point I was at the point of tears and I hung up. XXXX XX/XX/XXXX I got another letter from the bank telling me to send in another {$95.00} and they will wipe the escrow out. I am two payments behind now because in XXXX XXXX, the did the same thing and I have never caught up. They are horrible, no one knows what they are talking about and two letters telling me to send in money and they know it can't be done, please help, it's now affecting my husbands credit score. This is awful.

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 2023-04-02
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
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: Account status incorrect

Complaint:
As of XX/XX/XXXX of XXXX I XXXX XXXX have not been able to reach a resolution to significant reporting errors within my consumer reports provided by Experian and reported by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX is reporting a Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with XXXX XXXX, only XXXX XXXX ) discharged through Chapter XXXX Bankruptcy, I had filed this Chapter XXXX bankruptcy on XX/XX/XXXX, confirmed on XX/XX/XXXX and completed and discharged on XX/XX/XXXX. 

However this account as well as several other accounts were not allowed or were not part of this or any other bankruptcy ( see included documents ). XXXX XXXX XXXX XXXX is reporting that the account in question is open and past due 180 days. The debts in question were settled or paid on XX/XX/XXXX in the sale of the property in which the XXXX XXXX XXXX XXXX XXXX Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with XXXX XXXX, only XXXX Bank )  and XXXX XXXX XXXX XXXX Conventional loan were associated with ( see included documents ) and again this was not part of the Chapter XXXX bankruptcy or any other bankruptcy. 
I am asking the CFPB to assist in getting these issues resolved as they are preventing me from gaining a fair rate mortgage on the property I am currently residing in. If a resolution can not be reached within thirty ( 30 ) days of this complaint being submitted by the CFPB to the named parties or this complaint is closed without significant and meaningful response from Experian and or XXXX XXXX XXXX  XXXX XXXX and or XXXX XXXX XXXX XXXX, I will be forced to take legal actions under the FCRA and FDCPA laws and regulations including but not limited to damages, injuries and or financial burdens occurred. Since I have made several attempts to resolve these issues with Experian, XXXX XXXX XXXX XXXX   XXXX and XXXX XXXX XXXX XXXX, I am only to assume that this is a willful intent to disregard or ignore my previous complaints. This is my final notice to Experian, XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX in regards to these specific complaints before taking legal action. 
Included with this complaint is my bankruptcy creditor ( s ) allowed schedule, letter of discharge, Release of Mortgage, Closing Disclosure, Credit report ( s ) with discrepancy in reporting, letter of payoff or paid in full and no balance due, previous correspondences with Experian, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX also included is Experian, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX responses to the aforementioned correspondences and this formal complaint letter.

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 2021-01-14
Company: EQUIFAX, INC.
State: IL
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:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 98 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 98 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along. 

I sent them the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Hello, To my astonishment and dismay, I noticed that your company is reporting information that just isnt true. It is also my concern that due to my VERY common name my profile is being merged with someone else profile in your system. In fact there are address on my credit report that I have NEVER even lived at. Therefore, I KNOW something has to be wrong and this must be a mistake. I dont claim to know everything but it is quiet weird that a multitude of accounts and a bankruptcy is on my report. Honestly, how does this even happen? 

If you check your record you will see that my address doesnt even match any of the alleged accounts. It is my request that you review the file you are saying is mine and take away the discrepancies. Below is just a few of the things in question. 


XXXX XXXX XXXX  XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/20 Status : Discharged Amount : {$0.00} Remove these Public Record from my credit file. I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I, wrong address because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match. 
The Fair Credit Reporting Act requires you to investigate and delete any and all inaccurate, incorrect, incomplete and/or invalid information. 

I know your bureau is one that prides itself on accurate and fair credit reporting and would never maliciously maintain false, unverifiable records. Please DELETE this information from my file immediately. 

Thank You in Advance an Educated Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: AL
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:
According to the fair credit reporting act all inaccurate items must be removed from my credit I didnt authorize these charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-02-09
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan was sold to Freedom Mortgage in XX/XX/2022. According to RESPA a new loan servicer is not allowed to charge late fees for 60 days. My loan has never been paid late, past 30 days since inception. Having said this, Freedom Mortgage has charged me a " late '' fee for XXXX, XXXX & XXXX. It's automatically included in my mortgage payment every month. I do not have the option of not paying it. I have called and sent messages to Freedom Mortgage and they have continued to charge me a late fee when my mortgage payment is not 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 explanation
Consumer complaint received 2020-12-30
Company: JPMORGAN CHASE & CO.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase - J.P. Morgan Bank, N.A. 
XXXX, Ohio XXXX They have closed my account and I can not take out my checking account money ( {$32000.00} ) and retirement amount of {$550.00} for a total of {$32000.00}. Date was XX/XX/2020. I have tried many times to get my money but they are refusing. 
They have accused my Husband of money laundering and fraud. He has proven to them that is not true. They have refused giving both our money back to us. We had ( have ) separate accounts but my name was on his account as beneficiary and he was on mine as beneficiary. 

Hope you can help - my last resort is hiring a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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:
I sent a letter on XX/XX/2023, to remove these items : XXXX XXXX XXXXXXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX Balance : {$9200.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19.00} XXXX XXXXXXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX : {$31000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$9200.00} Which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again.,

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 2020-12-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX LETTER OF REBUTTAL REF : XX/XX/XXXXXXXX XX/XX/2020 I dont agree with the outcome of the billing investigation on account ending in XXXX for the charges, associated with Amazon including but not limited to {$93.00}, {$87.00}, {$100.00}, {$250.00}, {$270.00}, {$250.00}. 

During the period of XXXX through XX/XX/2020 Ive managed to place several orders via amazon.com. Among those there were 6 items Ive had to return due to incorrect website description in fact they looked very different from what had been described on amazon.com therefore Ive requested a return for a refund completely withing Amazon Prime 30 days return policy. Request had been approved and RMA assigned. 
The items have been stored into 2 boxes and shipped via Amazon-issued UPS  return labels a ) XXXX ( delivered on XX/XX/2020 ) ; b ) XXXX ( delivered on XX/XX/2020 ). 


As of XX/XX/2020 both of the packages with 6 items included were successfully returned back to Amazons facilities, located in XXXX, IN & XXXX, KY, respectively. Even though the items were returned in timely manner and within Amazons terms and conditions, appropriate refunds werent issued, therefore Ive filed a billing dispute, which was rebutted by the merchant, claiming they didnt have any record of returns requested and never received any packages. 

In the attachment you would find Amazon-issued return shipping labels with references to the returns and RMA altogether with UPS-issued information, proving that the return was fulfilled. Therefore, Im kindly asking to reinstate the investigation and credit back {$93.00}, {$87.00}, {$100.00}, {$250.00}, {$270.00}, {$250.00} to my Chase Freedom account. 




Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My wife and I are both unemployed we ask for a forbearance which was grant for 3 months. After these three months we where still unemployed and ask for an 3 months forbearance or at least another three months forbearance which we where declined. They sent us a bill to start the repayment it went from {$800.00} to {$1000.00} according to the Care Act they are not suppose to up our bill. I can not make the payment and need help but they refuse to do anything to help. All they did was tell us to stop paying any federal loans and pay them!! I dont have any federal loans!!! I need help not my bill going up. I want to pay my bill but I need some help right now which they are unwilling to work with people that have been impacted by Covid which we did not ask for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY 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 2019-10-07
Company: Experian Information Solutions 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:
I have been repairing my credit for the last few months while XXXX, XXXX have removed these items from my credit experian kicks back a message that the validated the information.its not feeling along with research that has been done that experian hadnt completed a thorough investigation into my complaints and Im begging for an intervention at this point

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 2023-04-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/2023 i sent letters is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 30 ) days of the completion of your re-investigation15 U.S. Code 1692e - False or misleading representations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have ask this company for the original contract with the digital or written signature I have ask this company for copies of all the statements showing purchase. They only provide me one statement. 

I received a letter from this company showing XXXX bank name but without the signature from the bank I have a different acct number from XXXX credit and a different open date. 
This company has another acct number, another open date. Something here doesnt make sense. I need more information. 

They also sent me a permanent hardship form I sent to them and they have not reply on this. I know they send this form to get information is antrapment They are wasting their time because Im a XXXX person receiving XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: BANK OF THE WEST
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had to close my fresh start checking that had no overdraft privilege 's due to the fact of COVID and fraud. Someone filed a fake claim for unemployment in my husbands name, our emails, XXXX, dark web and passwords were all exposed. I notified Bank of the West of this problem. My Husband and I opened a regular account this time, last time I was not approved. Literally after opening I have had problems with them holding deposits, charging me overdraft fees when the item that cleared and I was clearly not negative at the time of it clearing. 
This all started on XXXX the XXXX, which I called in and they refunded two overdraft fees. Since then I have been charged numerous times, because they held an automatic deposit FROM XXXX ON THE XXXX and charged overdraft when I had the money present in my account I have called my branch, the call center, and have even been hung up on.

Company response to consumer: Closed with monetary relief