BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2023-11-22
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX  XXXX  XXXX account XXXX, has violated my rights. In accordance with 15 U.S.C 1681c, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Company response to consumer: In progress
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-06-14
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Transaction Date : XX/XX/2021 XXXX XXXX  XXXX I sent money to my cousin who is in XXXX XXXX XXXX He never received money and I never got refund about money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I prepayed {$20000.00} on the principal of my home mortgage as allowed in my mortgage contract with the Fith Third bank in XXXX. My mortgage was current and i had made the XXXX payment on XX/XX/2021 so I had no mortgage payments due.. On XX/XX/XXXX I checked my statement and observed only {$18000.00} had been applied to the principle. Upon investigation I found that Fifth Third had taken the non due XXXX and XXXX mortgage payments XXXX which included escrow and interest ) out reducing the amount available for principle paydown. When I inquired of the bank CSR and Branch Manager they told me it was Fifth Thirds policy and they would not remove them. That was the only explanation they gave me. I believe this unfair and it effects the benefit I get by prepaying my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: IN
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 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 explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I filed an identity theft report at the beginning of the summer and received NO relief from this submission. I am not satisfied with this process. It is mentioned that my complaint should be resolved in 4 days. I want these items completely erased from my profile. There was no authorization on my behalf to use or distribute this information, let alone these entries are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: OH
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:
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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2022-12-06
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi I was approved for the haf program back in XX/XX/2022. I been on a COVID forbearance since I got approved and that was going fine until the month of XXXX my payments started not getting posted. I spoke to haf and they told me they were mailing them electronic and my mortgage company was cashing the checks but not applying them to my account. I have all 3 tracking numbers and checks were cashed and I call daily with my haf case worker and my mortgage company which is uwm only gives us the run round and puts us on hold. They say the dept that handles the haf doesnt have a phone number only emails sent from with in. I dont know what else to do. My forbearance ends this month and Im behind 3 months with a negative escrow. All because uwm wants to mess up my credit and steal my haf payments. This sounds like a scam to put me in foreclosure and mess up my credit. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Looked at credit report saw inquiries for things Ive never applied for.

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 2022-05-18
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am trying to purchase a house and Macys/DSNB reported me 30 days late over a {$3.00} fee that resulted in my middle mortgage score dropping XXXX points. 

I am in the process of buying a house and that thirty day late will cost me an additional {$100000.00} plus over the life of the loan and additional costs per my loan officer.

Briefly I paid the entire balance on my card of {$300.00} before the statement closing date of XX/XX/2022. Macys tacked on a fee of {$3.00} cents for a balance of {$140.00} subject to an interest rate of XXXX percent. How that is possible when my balance was {$0.00}? 

My XXXX statement had a fee of {$3.00} which I didn't review because I don't monitor accounts that have a XXXX balance. That {$3.00} is I believe what created the 30 day late. 

I used the card in XXXX and paid that bill in full on XX/XX/XXXX, I tried to dispute the late from the bureaus but that attempt was unsuccessful My credit was perfect until this happened and I want the late removed and my credit score corrected.

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 2023-07-31
Company: Experian Information Solutions 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:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We was hit hard by Hurricane Michael and our home got destroyed. We have been working with the insurance, contractor and mortage company. We received a quote from the roofing contractor and it was approved by the insurance company so we contacted the mortage company to receive the deposit. The mortage company informed us we need a completion date. Since there have been millions of houses destroyed the roofers will not even put you on their list until you give them deposit. We informed mortage company of this and they did not care. So no money and no completion date. We had to pay the deposit out of pocket to get on the list for a completion date for mortage company. They finally sent a check. Now 6 months after storm our contractor is ready. We send all info to mortage company all approved by insurance. Contractor need 30 % to start which is {$35000.00}. Mortage will only cut half and says we need a inspection. The roof is all that is done and was inspected by county but that's not good enough. I asked if I could pay for an inspection and was told NO. It has been 7 days and no phone call from inspection company for inspection. I was told on Friday it would be 5-7 days but my wife was told today 8-10 days. So we are paying for a house we cant live in. Paying for a second place to live and we can all live together for the last 6 months. But mortage company get to draw interest off my month while I sit here and wait. How fair is this? If they are worried about fixing house they are more than happy to come to XXXX XXXX and fix it if they dont trust me to do it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: RoundPoint Mortgage Servicing LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint Mortgage has been charging me an additional {$20.00} per month for " charges and fees ''. I have never been late on my mortgage and I have no way of contacting Roundpoint because they have sold my loan to XXXX XXXX. I called XXXX XXXX and they have no explanation of the {$120.00} charge on my mortgage statement but are unwilling to remove it from my account. I can only access one year of mortgage statements on the Roundpoint website since they sold my loan and their phone system is not set up for former customers to call. When I enter my loan number it disconnects the call.

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 2022-05-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
For 5 years, I have requested a document ( permissible permission used in XX/XX/2017 ) from Experian and XXXX XXXX XXXX XXXX ( XXXX ) to prove the XXXX loan was fraudulent. I complained to both companies. I get two useless results. 1 ) Experian does nothing, passes the buck and sends my request to XXXX who repeatedly states they are reporting accurately. 2 ) XXXX  immediately labels my complaints and request as " Marked as a duplicate complaint and This complaint appears to be about the same issues as your earlier complaint. '' The deflection and fear of liability is as a 3rd world government.

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 2018-10-09
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX - XXXX of XXXX i experienced gross fee charges from my bank close to over {$1000.00}. After I discussed with bank to no avail, I was extremely careful since. Then in XXXX and XXXX of XXXX i made another mistake with a creditor, and incurred almost another XXXX USD in fees. When i spoke to their " customer support '' ... they simply acted like this was normal and my fault or my creditor 's fault. I asked the creditor if they were responsible and they pointed me back to bank being the massive fee collector. 
So, now, i have been on phone with " customer support '' last week and today regarding the magical invokation of atm overdraft protection they tell me I invoked 2 years ago. 
This time they only collected {$170.00} in fees from me in XXXX. 
However, i asked operator if they could mail me policy in print that lays out the criteria for suddenly acting on my XXXX request to " opt in '' to overdraft protection for my debit card ( without my knowing of it ) ... then using that sudden opt in status to steal 10 % of my income upon my auto deposit. 

In other words, in at least 1 year prior to this, i never noticed the bank using atm overdraft protection on my behalf and getting charged fees for it. 

I'm quite aware of my monthly balance and i feel direct and immediate repercusions from each fee they XXXX out of my auto deposit. 

So WHY did they suddenly decide to invoke atm overdraft protection ( instead of just declining transaction as in the past ) this last XXXX of XXXX, costing me {$170.00} out of my XXXX auto deposit? 

Also, why is there no escalation path with Bank of the West when customer service tells you excessive fees are the customer 's fault??? 

I am finally getting away from these thieves to a local credit union, but it's a shame they can get away with so much $ in fees by collecting them and blaming the customer when they speak up due to their excess fee charges upon single mistakes. 

It's quite clear : look at my account history and see that atm overage payments were not made until this last XXXX. If you look, you will not find atm payment and associated {$35.00} fees for MANY months prior to XXXX. 

I spoke to a branch magager a year ago regarding the many hundreds i was charged in fees and they simply don't care. At that time they never said I was " opted in '' for atm overdraft coverage. 

Why would I want atm overage coverage and volunteer to be charged {$35.00} for each instance. 

I would never have KNOWINGLY signed up for this ... regardless, WHY did it appear to be invoked for XX/XX/XXXX? 

I'm tired of the customer service telling me it's all my fault somehow. In other words, they have assured me all the fees they charge me are ligit. Feels like financial XXXX to be honest. 
cheers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: JPMORGAN CHASE & CO.
State: LA
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 was sent a letter on XX/XX/2020 stating I needed to pay Chase Auto {$2800.00} because my contract had matured. The {$2800.00} was extensions and late charges. I paid Chase {$2800.00} on XX/XX/2020. Chase placed a charge-off on my credit report. It was not a charge off because I paid the full amt.requested before the deadline ( XX/XX/2020 ) I did not receive any other documentation from them before XX/XX/2020. I called Chase Auto and was transferred a total of five times because no one could explain to me what a charge-off was. How can they have charge-off and paid in full on my credit report at the same time. A Charge-Off means a lender has written the account off as a loss and the account has been closed for future charges. I Do NOT owe these people anything, yet they have it as if I still have a balance when you call. My credit report should not have a charge off listed. I wrote them they wrote back stating that the charge-off will stand. I called and a Credit Bureau Specialist was very rude she answered me sarcastically when I asked her to send me copies of letters that was mailed to my home address regarding this matter. She refused to look into addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I've contacted Bank of America on several occasions disputing an account that was open under my name, due to this account being open and whatever is owed to Bank of America its hindering me from opening a checking and savings account with other Banking institutions. I never received anything about this account being opened from Bank of America so by the time I realized years later it was too late to make a police report or put in a fraud dispute as Bank of America stated. What am I left to do, I was never contacted by Bank of America with any documents by mail no general disclosure like any other bank. The account is from 2016 when calling to ask about the amount owed so I can dispute anything Bank of America cant pull the record. If banks are not following the law and there own policy and regulations how can a consumer be aware a fraudulent account was open in there name so they can dispute it in a timely manner.

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