BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-02-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My initial request for mortgage assistance through Well Fargo began in XX/XX/XXXX. I became unemployed in XXXX of that year but I had enough savings to maintain my payments. I began reaching out to the Home Preservation program I was assigned a representative. However, calls to said rep went unreturned, and I began falling behind on my payments. I was left to believe that I would not receive any assistance to help me avoid foreclosure. I sought the assistance of the KeepYour Home California program. Upon qualifying for the payment assistance program some payments were made to Wells Fargo on my behalf. The application process took several months before it made the first payment to Wells Fargo. The Keep Your home program began making payments in XXXX. Wells listed several programs and I was denied access to them all. I initially filed XXXX XXXX in XX/XX/XXXX to avoid foreclosure. I believe that if Wells Fargo would have offered me any of the programs they advertised the forbearance program, a reinstatement program, or a loan refinance program the equity value at that time was greater than the balance of the loan. Had I been allowed access to any of these programs I would have been able to avoid the expenses associated with a XXXX XXXXXXXX filing. I do believe I deserve some relief for all the anguish they have caused my family and myself.

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 2023-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, My wife had a dental procedure done almost seven years ago. Due to the cost of the procedure, she was asked to open a credit account with XXXX XXXX. She opened the account and included my name in it since we had joint accounts at that time. I was not present during the appointment and was not informed that she opened the account at that time. I have contacted XXXX XXXX several times regarding the issue since the account is not mine, however they informed me that since my name is on the account, I am involved. The service that was received was not for me and I was unaware of the account when it was opened. I have also contacted the credit reporting agencies to discuss this issue, as it is affecting my credit. My wife and I no longer have joint accounts and she is responsible for paying for this loan. I have not been able to get this issue resolved and I would like to see how it can be rectified.

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 2021-12-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase closed my Private Client Checking account ending in XXXX in or around XX/XX/2020. Unfortunately, the remaining funds in the closed deposit accounts had never been returned after multiple attempts ( including calls and in-branch visits ) for recovery. I am requesting the immediate return of those funds to avoid further action. I am also considering pursuing the interest owed and other fees/compensation should this issue not be resolved timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Yesterday, I asked a question in the Rocket Mortgage chat function regarding a potential new mortgage ( second home ). After three transfers, I still didn't have an answer so I gave up. No problem -- just XXXX customer service. 

Today, I've had three phone calls and two emails trying to get me to refinance my existing mortgage. I went online and tried to get it stopped. All I got was more XXXX service. 

I will continue to make my payments on my existing mortgage but I want to stop receiving unwanted solicitations. I've tried marking their communications as trash online but that isn't helping -- and they will occasionally have legitimate reason to contact me via email on the existing mortgage so I can't block them entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act The XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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: Public record information inaccurate

Complaint:
US BKPT Court Georgia XXXX... I have previously disputed U.S. Bankruptcy Court Georgia XXXX XXXX XX/XX/2016 with you and in response you verified the item as accurate stating that you have verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 115 U.S.C. 1681l ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On 9 different occasions starting from XXXX to XXXX, I sent money to my son via XXXX and our Chase bank accounts ranging from {$45.00} to {$580.00} totaling {$1400.00}. All these transactions were sent using my son 's email address with no errors in the spelling. After a conversation with my son on XX/XX/XXXX, we both realized that he had not received any of these payments. I immediately went with my son to our financial institution ( Chase ) and reported the issue. They were able to see that the email address was correct but that none of the transactions went to my son 's account. A query was made to the complaint department to see if we could get our money back as it was seen by them that it went to another Chase account in error. After a few days, I received a phone call and a letter stating that I could not receive the money back. I went back to Chase on XX/XX/XXXX who pushed this issue up to a " corporate '' level complaint as it was clearly evident that it was not my fault. Once again, after a few days, I received a phone call stating that there was nothing they can do to help me. We were told by Chase the name of the person that it incorrectly went to along with the last 4 digits of the account number as it was also a Chase account customer and they still wouldn't credit my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) 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 2021-12-26
Company: Bread Financial 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:
Comenity Bank/Marathon Visa Account number, XXXX. is a fraudulent account that was opened in XXXX, XXXX by someone using my person information without my authorization or knowledge, This is being reported on my XXXX XXXX XXXX. 
The address that was used to fraudulently Apply for and open this Comenity Bank/Marathon Visa is not my address, nor have I have resided at that address, nor do I know anyone who resides at that address which is located more than XXXX miles away from the address I've resided at for more than 22 years, XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX XXXX I have filed a Police Report, Filed out an " AFFIDAVIT OF IDENTIY THEIF '', provided documentation proving that I've never resided at the address used to apply for and open the fraudulent account, proven that I've lived at the same address more than XXXX miles away in a different city, in a different county, and have no ties to the address that was fraudulently used to apply for an open the Comenity Bank/Marathon Visa . Comenity Bank/Marathon Visa refused to remove the account from XXXX XXXX XXXX claiming that they can verify the phone number, which was already proven to be a fraudulent account by XXXX, and not mine. As well as claiming I made payments on the account, which I didn't I have repeatedly asked for proof of this documentation, yet Comentiy Bank/Marathon Visa refuses to provide any information to me too support their claim that the account belongs to me, which is doesn't. 
Comentiy Bank/Marathon Visa charged off the account in XXXX, then sold it to a third party, XXXX XXXX XXXX XXXX who in turn dismissed the matter agreeing with me that the account was fraudulent. Unlike Comenity Bank I have provided documentation to support my claim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Comenity bank dental finance keeps taking credit from me. My account is in good standing it's down to {$1400.00} they took, even more, this time the XXXX time this year. It doesn't matter if I make more payments I will still lose all my available credit & only have {$15.00} from {$200.00} available credit. I am being treated this way because me being a single female. I am being discriminated against. My credit score is getting even lower. They try to get by saying it's the credit bureaus. They don't give the credit they just report what creditors report to them. It's them unfairly taking credit away from me. All my other credit accounts are current also. I don't know why they are treating me this way at this rate I'm never going to get a higher credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
This in regards to XXXX XXXX  credit card account ending in # XXXX. 
On XX/XX/XXXX i spoke with XXXX, customer service supervisor at XXXX XXXX. 
She said my minimum payment due by XX/XX/XXXX was {$100.00}. I told her by Bank 's billpay automatically sends {$60.00} ( see exhibit " A " ) I made a payment of {$40.00} over the phone with her making the total due. I am just receiving notification that XXXX XXXX is reporting me 30 days late. As a result my credit score fell XXXX points immediately. 

This is inaccurate reporting and I need it corrected and my XXXX points restored immediately.

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 2021-12-26
Company: EQUIFAX, INC.
State: RI
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:
Willful neglect and intent to report fraudulent activity and reporting. Car was stolen, contract breached and refusal to return, upon phone call with XXXX to state such, manager XXXX XXXX reported involuntarily while noting in writing and verbal and written verification by other company employees, himself, and by PI, car was voluntarily given, and further refused to return as such reported to MA XXXX, and was mad and knowingly reported false information with intent to harm consumer. Deceptive Practice and Theft has been filed XXXX XXXX, XXXX, XXXX XXXX XXXX. Video, written and verbal documents available. Attempted to recover vehicle with full past due payment per XXXX written email and well within my loan agreement and was told by XXXX XXXX " i am the bank and make my own rules '', and I stated I would report fraud and file further complaint and as a retaliatory and discriminatory action, immediately filed falsely with credit agencies. all is documented by written correspondence, and recorded phone calls. I have video tape of myself and repo company individual whom I spoke with for XXXX mins in front of my home and clearly you can see me hand over my keys. As such XXXX, XXXX and XXXX XXXX XXXX were and are aware of. XXXX XXXX further harassed me and denied return of my vehicle per agreement, and per written documentation by consumer and therefore stole my vehicle and subjected me to further hardships by discriminatory and retaliatory behavior. Further documents available

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Plastiq Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX, on Plastiq company website ( https : //www.plastiq.com ), I submitted a payment request of {$890.00} to my mortgage XXXX  ( XXXX ) XXXX to pay my monthly mortgage balance due. That amount, with {$26.00} processing fees, totaling of $ XXXX charged on my credit card ending in XXXX. However, Plastiq never delivered the payment. I followed up with XXXX mortgage team multiple times, and they confirmed they never received the check, therefore, my mortgage account never got credited. 

When I reached out to Plastiq support team and asked for evidence that the check has been endorsed by XXXX XXXX, Plastiq can not provide this evidence. They only shared an image of the check that has the front populated by some generic information, the the back of the check image is empty, no endorsement at all. 

I've been creating tickets and asking Plastiq to re-send the payment or refund the money to me. However, they refused to do so and never gave me a direct answer about the inquiries. 

They used to have online real-person support within the web portal, but recently switched to ticket-only support, which makes the communications even more difficult. 

I appreciate the CFPB platform and really hope I could get help from the CFPB team to get my money back or have them fulfill the service. 

Thank you!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: CA
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:
I have attempted many times to remove debt with the companies and no action has been done. I am not responsible for any type of debt on my credit profile and will like it to be removed instantly from my credit report. 

XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/2021 Hard inquires below XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : 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 2018-04-05
Company: EQUIFAX, INC.
State: WI
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:
Equifax removed my Chapter XXXX bankruptcy around XX/XX/XXXX. Equifax reinserted the account back on my credit report around XX/XX/XXXX. I never got a letter.. The FCRA state that I must be notified within 5 days before the reinserte

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2022-12-06
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have contacted M & T bank to resume payments of my XXXX  mortgage after covid forbearance. I requested the options below that are currently ( XXXX ) published on consumer finance.gov. The representative informed me that those options were not something M & T would honor and that o would have to fill out documentation, provide financial details and apply to find out my options. I requested documentation with the details of what I was applying for. The representative stated she would google them and read them to me. I asked if her company provided these documents as reference for her or if they were documented anywhere I could access them, she said no. I expressed my concern with applying for something that I am not able to review first. She had nothing to offer other than that is all she can do. 
I feel like M & T is attempting to take advantage of the rising interest rates by forcing people to modify their loan. This was never communicated as the only option and in fact was not mentioned in any documents received until rates went up. The info below is directly from a government website. I requested a written payment plan as it states I should be provided, I was told I have to apply for that. 

XXXX  XXXX XXXX XXXX does not require a lump sum payment at the end of the forbearance. 
If you can resume making regular payments your servicer or lender should either offer an affordable repayment plan or term extension to defer any missed payments to the end of the loan. If you are unable to resume making regular payments, your servicer or lender should evaluate you for all available loss mitigation options. 
Upon completion of the forbearance, the lender shall communicate with the borrower and determine if the borrower is able to resume making regular contractual payments. If so, the lender shall offer the borrower a written repayment plan to resolve any amount due or, at the borrower 's request, extend the loan term for a period that is at least the length of the forbearance. 
Visit XXXX  XXXX XXXX 's coronavirus I would very much like to resume payments using the 2nd option above. M & T does not want this, they are only interested in options that result in profit for themselves.

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