BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-01
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have purchased my condo in XXXX XXXX, FL through XXXX XXXX XXXX on XX/XX/XXXX without an Escrow, as I wanted to pay my property taxes myself. 
After a month, I have learned that my mortgage was sold to Suntrust bank. 
A few months into my payments in XX/XX/XXXX, Suntrust has placed Escrow on my mortgage and told me that I was obligated to have escrow since I live in a flood zone. I have contacted them multiple times in XXXX and XX/XX/XXXX, but haven't been able to get a proper answer on why this won't be removed since it wasn't in my original escrow agreement with XXXX XXXXXXXX XXXX in the first place, other than hearing that this is their policy. 
This has increased my mortgage payments unnecessarily and is creating extra hardship by increasing my monthly payments, as I had made my plans for paying my taxes separately.

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 2023-10-15
Company: Experian Information Solutions Inc.
State: MD
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:
EXPERIAN is obligated by the FCRA to report accurate information as it relates to consumer reporting. Please be advised that the inquiry from XXXX is being reported are FRAUD. This is identity theft, as I did not give said companies written authorization to add any inquiries to my credit report. EXPERIAN has 4 days to remove the inquiry pursuant to 15 U.S. Code 1681c2 -Block of information resulting from identity theft In addition, this is a violation of 15 U.S. Code XXXX - Permissible purposes of consumer reports. I am requesting that XXXX provide the documentation used to determine that the inquiries were indeed authorized by XXXX XXXX, the consumer. EXPERIAN will need to provide me with the person to whom they spoke, the documentation used, and signed authorization with my wet ink signature. If EXPERIAN does not have the documentation to show these inquiries were in fact authorized, it must be removed ASAP. The inquiries reported are adverse and derogatory in fact and in principle, and their reporting is in violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer.

This inquiry should be removed ASAP so it does not continue to adversely affect my creditworthiness.

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 2023-06-07
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 2023-06-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/10 {$51000.00} from my joint account without my permission, my spouse gave such a huge money to coin scammers. I am so angry about such a big money tra nsfer should have contacted another joint account holder before transferring the money. I lost total {$78000.00} to the scammers because of my spouse. I lost all down payment money due to the scam.I am the real victim and processing divorce now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 : 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 XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 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 non-monetary relief
Consumer complaint received 2022-02-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I contacted XXXX XXXX  in XX/XX/2022 regarding a XXXX XXXX Credit Card that was opened fraudulently. Ive attempted to contact them with updates regarding their investigation. Ive been unsuccessful in many of my attempts. The few times Ive spoke with they, they informed me there are no updates. From XX/XX/2022 til now, they have put delinquent reports on my credit report. During investigation, they should not expect me to make payments. They caused my XXXX XXXX to drop over XXXX points since XX/XX/2022. Ive provided the necessary documents to prove the XXXX XXXX Credit Card was opened fraudulently.

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 2022-06-02
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS. HOSPITAL BILLS ARE BEING REPORTED WHICH IS VIOLATION OF THE U.S. CONSUMERS REPORTING AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I paid for Experian Premium credit monitoring and used it for quite some time. I canceled the membership in XXXX of 2019. They have continued to bill by credit card every month after cancellation in the amount of XXXX per month. I called the 800 number on the site and can not reach a person. I sent certified mail twice and nothing has been done to refund the charges they charged after I canceled and they have not stopped billing my credit card. My membership number was/is XXXX. I would like the five months of billing refunded.

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 2019-01-01
Company: U.S. BANCORP
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
While  in loan be notification with usbank they put foreclosure on my credit report so I could not get financing from  another institution. The real estate protection act and. The Frank Dodd act are still are strictly against this. They ual tracked me and the county also entered a judgement against me at the same time while the bank never foreclosed the collection agency did.

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 2023-10-15
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-12-31
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am beyond exhausted with all my efforts to resolve this matter with ability to recovery for a number of months. I have gone back and forth trying to find a solution to remove this account off my consumer reports, but with no response. I have been advised to contact an attorney to file suit for damages, that I am entitled to under the FCRA. I have absolutely no knowledge of these derogatory marks on my report. This has been completely devastating to me and my family due to the fact that I am homeless because of how this is affecting my credit score.

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 2022-11-10
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 am a victim of Identity theft. My personal information was used to open an auto loan with XXXX XXXX XXXX : XXXX on XXXX account is fraudulent and is a misrepresentation. I have also been notified that my personal information was used to get medical care on XX/XX/2019 with XXXX XXXX XXXX XXXX. These items are appearing on my Experian credit report # XXXX. I have filed a report with the FTC # XXXX. I have also included pictures of the fraud from my Experian credit report as well as identity verification information such as my social security card and my driver 's license in accordance with the FCRA.

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 2020-11-12
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a 6-page document typed out regarding our entire almost 4-month experience in refinancing our home. There are many issues that need to be fixed at Quicken Loans in underwriting and customer service, but since our latest issue involves post-closing that is what I'm pinpointing here. If you would like to see my entire experience, I will be happy to upload that document, but it does have our names in it. 

We closed our refinance on XX/XX/XXXX. There was to be no mortgage payment in the month of XXXX, and our first payment on our new loan ( refinance ) was to be in XXXX. 

Problem # 1 ( at this stage ) : On XX/XX/XXXX, our automatic draft for our old loan ( purchase ) was generated, and Quicken Loans took a payment. 

Upon contacting them, they let us know they were waiting on a signature from us and could not pay off our old loan without that signature. 

Problem # 2 : They never contacted us about the missing signature.

Problem # 3 : The missing signature had nothing to do with paying off the old loan. It only affected our disbursement of closing funds. 

We signed the form and asked numerous questions to document why and how this happened. 

Problem # 4 : We got very few answers and were told it would take up to 30 days to refund the money they took due to their delay. 

So, here I am. Very few at Quicken seem to be concerned, and no one seems to be in any hurry to escalate. This morning, I XXXX out some comments about our experience, and I do believe this upset the company, but we still have no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2021 I purchased 5 handbags from a website that claimed that all items are XXXX XXXX Authentic bags and I paid {$990.00} for the bags. 

When I received the bags it turned out to be that all the bags are fake. I tried to communicate with the company but the website disappeared and they are not responding to my emails I tried to call the number listed with no answer till finally I got a text message stating that this number I am calling is not a business I called capital one and informed of what happened hoping that I can get my money back for its fraud and the items I received were counterfeit items and after months of investigation by the bank I received an email from the bank that unless I prove that the items are fake my claim will be denied I tried to find companies that verify authenticity of XXXX XXXX bags but it was going to cost me over {$500.00} to verify and I already lost a {$1000.00} so I could not get the requested document and my claim was denied I want to ask a few questions and would like the bank to answer 1. if bags were authentic they would be worth at least $ XXXX do u think anyone is stupid enough to ask for his money back if he/ she has 5 authentic XXXX XXXX bags worth 6 to 8 times his money? 

2. How did they investigate if the sellers website was shot down?

3. How did the bank contact the seller if the number was a private number not a business number and the seller cant be reached?

4. Since when do u ask the victim of fraud and counterfeit items to prove that items received are fake after all the above details 5. What happened to card protection?

I will not accept the banks unfair, unethical and unprofessional decision to deny my claim and the banks response to the reason of denial

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened XX/XX/2014 XXXX {$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 2023-11-27
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My wallet was lost and there has been unauthorized charges to my account. I have reached out to both the bank and the merchant. The merchant told me to file the claim with my bank and they will reverse the charges. Chime declined my claim XXXX XXXX and refused to provide any documentation to show how they came to this - these were fraudulent charges- they refused all credits on my account- never received a temporary credit or anything. They resolved this claim in less than 24 hours. I kept reopening the claim to get them to work the claim, however, they refused to advise on the steps they took. My entire wallet was lost. I am certain that they did not process my claim accordingly to the law. 

Claim XXXX XXXX  Chime also denied this claim- they had no details to provide as to why the claim was denied, again allowing unauthorized charges to my account and refusing to provide a credit. This claim is supposed to be on my credit builder account - credit card account - This account functions like a checking account online, allowing for unlimited of daily transfers, no pre-set spending limit, no monthly invoicing/billing. However, when you file a dispute, it is processed like a credit card, but functions as a debit card. 

Claim XXXX XXXX  - Chime will also eventually deny this credit with any due diligence or verifiable documentation that they took the appropriate steps to make sure that my claim is processed. 

I have filed 3 claims, and each claim has been denied - THESE ARE FRAUDELENT TRANSACTIONS- I reported them as fraud. These are not my transactions, and the bank would have known that if they took the appropriate steps. Please help me get my money from these fraudulent transactions

Company response to consumer: Closed with explanation