BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX the irs deposited XXXX dollars stimulus payment onto a prepaid american express serve card that i had no clue about. I thought the funds wered deposited into a closed bank account. I put a payment trace on the XXXX and didnt get the results until XX/XX/XXXX. I located an account from the transaction id given to me by the irs On On XXXX XXXX the funds were depleted to {$1.00} balance. I live in florida and have never been to california and thats where ALL the transactions occured and the total balance was depleted in 4 days. I notified serve customer service. Also account protection team. Spoke with supervisors etc ... Was sent a link which was a declaration of fraud form that needed to be filled out. Keep in mind. I didnt ever have possession of the card nor did i even know about it till XX/XX/XXXX but i was being told i needed to give detailed information about transactions that were to be disputed. Which i completed in detail as best as i could. I emailed and i faxed copies which were confirmed to have been received. I was told on a recorded line that my funds would be credited back to my account on the XXXX. I looked today and there has been no change. I called them back again and was told that things were still being investigated and i woukd receive an email with a decision in the future. Not more than an hour later i got an email saying my claim was denied. This is absolutely outrageous. This is a form of strong arm robbery. Something needs to be done about this. Im sure this is haooening to many other people. Thabk you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Updated XXXX XX/XX/XXXX ; XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$3900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: ENOVA INTERNATIONAL, INC.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Never had heard of Cashnetusa was in between pay days when it was a death in the family. Had to go out of state to XXXX CA. In the past I had taking out a loan with another company who give me the payoff. I paid it that was that. Well I guess Cashnetusa got the information when I was taking out the first loan. Because they put XXXX in my account. I called them and said take it out of my account which they did no problem, so when I need to get more money I thought about the first company. which found it they just did loan with jewelry companies. So I went on online reach out to Cashnetusa monies So Cashnetusa said the XXXX would be in my account the next day which it was, I never signed anything with them. Each pay period it was different amount of monies. So the end of XXXX I called and said this loan should have been paid off. Was told that I still owed more monies and now I owed XXXX dollars. Which was crazy do to fact I had paid over XXXX. Already now was not sure what to do so I made a few more payments the last one was the end of XXXX. I paid XXXX on a XXXX dollar loan. Now as of XXXX the account is closed. I will not pay them another dime. Cashnetusa are predators.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
As the Seller I have been treated horrible, and after 67 days our home still has not closed and we still have no closing date. 

Working with Chase Mortgage has been a nightmare. Our pre-qualified buyer and I decided to use Chase Mortgage Banking since were both Chase customers. However, if we had known in advance of the incompetence, inexperience, lack of professionalism and continuous resubmission of documents, we would not have used Chase to close my home. Every time I tried to personally get information from the lender he said I had to ask the buyer, because he couldnt give me information for privacy reasons. Since when cant a lender give the Seller information regarding the buyers documents status and the closing updates on Sellers home? 

History : I put my home on the market XX/XX/XXXX. The buyer and I signed the contract XX/XX/XXXX. XX/XX/XXXX XXXX XXXX of Chase Mortgage received our contract and said everything looked great and we should be able to close in 35 days or by XX/XX/XXXX. The appraiser came on XX/XX/XXXX and we renegotiated the price based on the appraisers low estimate ( that is another complaint ), with an addendum to our contract. The new addendum was signed and submitted to Chase on XX/XX/XXXX. By the way, per the original contract the approval letter should have been submitted within 5 business days. That didnt happen. Our buyer received her approval letter via mail on XX/XX/XXXX. 

Complaint : On XX/XX/XXXX when I complained to XXXX XXXX, Home Lending Advisor about the lack of communication on updates, changes, documents, closing and response to questions asked, he said not to speak with him and to solely communicate with our first time home buyer for information and feedback in the future. Chase lending has not been responsive to me, the buyer or the Attorneys office with updates or the closing status. After 67 days, no one knows what is going on. Is this how Chase Mortgage trains their lending staff to treat valued mortgage customers, or is this treatment reserved for XXXX and XXXX? 

After selling three homes, Chase lending has been the absolute worst experience. The treatment throughout this process is unacceptable. Every promise Chase Mortgage has made has been broken, without apology. 

This is what I want to happen, immediately. After 67 days with no closing date scheduled or insight, I want to know our exact closing date and time today. I want Chase lending to communicate with me and the buyer directly and have us close as soon as possible, without any more excuses and needless request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX concerning their reporting of unverified, unauthorized, and inaccurate information on my credit report. While I appreciate XXXX 's cooperation in updating incorrect information such as names and addresses, I believe that XXXX is still in violation of the Fair Credit Reporting Act ( FCRA ) by reporting unverified and unauthorized information. 

My complaints against XXXX are as follows : Reporting Unverified Information : XXXX has reported information on my credit report that has not been verified by me, including accounts from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have not validated or given permission for XXXX to include this information on my report. The unauthorized inclusion of such information goes against the FCRA, which stipulates that consumer reporting agencies can only report information with the consent of the consumer. 

Violation of My Right to Control My Credit Report : My rights as a consumer include having control over the information on my credit report. By including unauthorized information, XXXX is infringing on my ability to maintain accurate and truthful credit information. 

I kindly request that XXXX addresses these issues by ensuring that they only report verified and authorized information in accordance with the law. I also request that XXXX removes the unauthorized and unverified information from my credit report immediately and remains vigilant in complying with the FCRA and related consumer protection laws. 

In support of my complaint, I cite the relevant legal provisions and a court case : FCRA Section 1681b ( f ) outlines the responsibilities of consumer reporting agencies regarding the use and reporting of consumer information. 

The case of XXXX  v. Equifax Information Services LLC, 2017 WL 2832941 ( S.D. Fla. 2017 ), emphasizes the importance of accurate credit reporting and the responsibility of credit reporting agencies to ensure that information is both accurate and verifiable.

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 2020-06-08
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage ( NSM ) began servicing my loan on XX/XX/XXXX. My loan had an impound only for property taxes. However, on XX/XX/XXXX, NSM paid my homeowner 's insurance of {$730.00}. I called NSM and told them my homeowner 's insurance was not part of the impound account. NSM agreed, but stated they could not reverse the payment. On XX/XX/XXXX, I received an Escrow Stmt. revising my payment to include the escrow pymnt made in error, plus and additional {$730.00} for a future pymnt on XX/XX/XXXX. I called, and NSM agreed the future escrow pymnt was incorrectly included. On XX/XX/XXXX, I received a revised Escrow Stmt. The escrow stmnt listed a shortage of {$490.00}. If I paid the shortage prior to XX/XX/XXXX, my payment would be {$2100.00}. If I didn't pay the shortage my payment would be {$2100.00}. I paid the shortage of {$490.00} on XX/XX/XXXX. However, on XX/XX/XXXX, I received a statement showing a payment due on XX/XX/XXXX of {$2100.00}. I called on XX/XX/XXXX and XX/XX/XXXX, and I am unable to get NSM to either reduce my payment to the correct amount of {$2100.00} or refund me the {$490.00} I paid for the escrow shortage. By NSM accepting my escrow shortage payment of {$490.00} shown on their escrow statement and charging me the higher payment amount of {$2100.00}, I am being double-charged for the escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: NV
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:
my loan payments were temporarily suspended because I am experiencing financial difficulty, please verify US DEPT OF EDUCATION with the lender and fix the account. It should not be reported on my credit files multiple times.. I do not understand how credit bureaus received this information but it is completely false.. This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Statebridge Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a loan with XXXX XXXX  which sold my note to Statebridge Company. I sold / closed the sale on my home on XX/XX/2018 and the mortgage was paid off on this date with a good through date XX/XX/2018. I have been trying to get my refund from Statebridge. I have made numerous calls and all I get is either - will call you back or leave a voice message and no calls or help or refund. I made my XX/XX/XXXX payment before closing, when I closed on XX/XX/XXXX my escrow co sent funds for XX/XX/XXXX-XX/XX/XXXX along with they paid the property taxes in addition to Statebridge paid . 

Im not sure why the mortgage does not report my taxes paid on my XXXX, as they are paid through my escrow account on my mortgage. Im hoping that you would be able to assist me on getting my refund and a corrected XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 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 explanation
Consumer complaint received 2022-05-13
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:
Today I review my Transunion credit report and notice fraudulent items and inquiries and According to the 1970 fair credit reporting act, these inaccurate and unverified account must be removed ASAP. 
XXXX XXXXXXXX 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 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 2021-04-16
Company: EQUIFAX, INC.
State: GA
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:
The 3 credit reporting agencies has an increased balance ( over {$50000.00} ) on my credit report. My mortgage company has the correct balance. Its almost impossible to speak with anyone at these credit reporting agencies. They have erroneous information on my account. I would like them to remove the extra amount. They didnt get the information from the mortgage company. The credit scores for XXXX  is XXXX points lower than the other 2. This is not fair to consumers. I need help in removing the incorrect {$5000.00} from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, my social security was deposited and XX/XX/XXXX, I went to the branch at key bank to withdraw the money and the agent said my account is closed, and had arguments about my money that under the law KeyBank doesnt have the right not to give me the money, I had went to another branch and had asks for my money because I needed it, telling me the same closed account and the money was returned, so I called the social security and they said its the money is there, so I have the social security talk to the key bank teller. and notified me that my account was closed, So i really need you to contact them immediately because its my 2nd time they done this to me, holding my social security, I had letters coming from the fraud department that I can reopen a new account but that money deposited already in new account number, So now after 7 days I finally got my money, to my new account at XXXX XXXX XXXX. and this bank account I have been so happy and XX/XX/XXXX my social security was deposited and same day I withdraw cash with no problem, I really want you to contact this bank because, I felt like racism is involved because they are not very nice people, especially that bank in the city of XXXX XXXX, so rude, holding my social security,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX CT XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX Balance : {$820.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00}, XXXX XX/XX/2022, XXXX XX/XX/2022

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 2018-10-05
Company: Santander Consumer USA Holdings Inc.
State: SC
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:
I financed my car through Santander bank. My payment is due on the XXXX of every month and every single month I make my payment on time. Every single month Santander takes money out of my account regarding my payments yet since they have reported me late almost every month so far this year. They have reported me late to the credit bureaus XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/ 2018. They have even reported my car as a repossession to the credit bureaus which is very incorrect. I have disputed this issue with the credit bureaus and Santander Bank numerous times yet the late payments remain and every single month I am paying Santander on time so how can I be 30-60 days late? Its impossible! Attached I have receipts of all my previous payments this year. Please review! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states, I have the right to privacy.

15 U.S.C 1681 Section 604 A.Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2020-04-11
Company: DISCOVER BANK
State: FL
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: Investigation took more than 30 days

Complaint:
For the Tax year XXXX, Discover Bank Credit Card Department reported a large debt to the IRS via 1099-C, Cancellation of Debt ( see attached documents ) which I am totally not liable for because there were many unauthorized credit card transactions after my then Discover Credit Card information like card number, security code, expiration date and including my full name and address on file with this company was stolen and or compromised. 
I have made several attempts to try to get this bank to remove these items from my account and they did not. Moreover, this bank sent this debt to collection department and eventually to the credit bureaus and there those negative items severely damaged my credit profile and rating and it took me many years to try to re-establish my credit. 
I gave up re-disputing this issue directly with Discover Bank. This bank stated that this 1099-C was correctly issued but I disagree because I do not owe them. There were fraudulent transactions made on my account period. 
This bank can not collect this debt and as well as reporting it to the credit reporting agencies and I totally get that and thank God there are laws in this country to protect little guy like me against these giant and greedy companies. As you can see the IRS has charged me alot of money simply because this was not reported on XXXX Income Tax Return and I would not have known to report because I did not receive mail from Discover Bank since my account was closed in late XXXX to early XXXX if I remember correclty

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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