BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit score went down XXXX points because of a new account was opened under my ssn that I have no idea about. Its from XXXX XXXX  and XXXX for XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31
Company: Fairway Independent Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I closed /recorded on XX/XX/XXXX with Fairway Independent Mortgage Company . Once my documents were reviewed by XXXX XXXX XXXX XX/XX/XXXX the staff there reached out to the Builders of my home realtor and stated the fees were quite high compared to other loans. I submitted via email inquiring why these fees existed or were so high. The loan officer XXXX XXXX emailed me back stating she would prefer to verbally have this convo with me, which I am not comfortable having that conversation verbally. When I spoke to the loan officer earlier during the closing process and we spoke about income drop due to COVID, no additional fees were discussed or stated would be higher, and these fees appear to excessively high. I did not speak to her verbally, and no answer as to why fees were so high. 
In addition to this I paid off my debt obligations and checks were issued to those creditors which are useless and I requested to be refunded or re issue to myself, there were several emails between Fairway Mortgage and myself.The last email XX/XX/XXXX stating they are working on it ( underwriter ) and praying this can be worked out by the end of the week. 
The high fees are unsettling and I would at least like to be refunded the money I paid the creditor which the agency seems to be dragging the process out without no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is choosing not to update my credit balance with XXXX XXXX. They are leaving the balance on my account as {$4100.00} which is not true. I reached out to XXXX XXXX  and they provided me with a {$0.00} balance letter to give to the credit reporting agencies. Experian is dismissivie of the documentation that I have provided to them. 

It is clear as day that Experian did not attempt to contact XXXX XXXX nor XXXX XXXX. To further support the previous statement, XXXX XXXX  provided me with a {$0.00} balance letter. So, XXXX XXXX is not the problem. I have never had a problem with them. It is the tactics of Experian which is the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions 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 information incorrect

Complaint:
I spoke to XXXX, who said she was a supervisor at Experian 's XXXX group. 

I wanted a reinvestigation of 4 hard inquiries. She refused based on company policy. 

Company policy can not override US LAW which states : ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph This is US code 15 - section 1681 Experian refused on multiple occasions to reinvestigate 4 hard inquiries, stating that their company policy is DIFFERENT for hard inquiries, versus other items on the report. 

This contradicts US LAW - the law says ANY item can be reinvestigated and Experian refused, and I was give the first name and the group name above.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protects me. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer. 

I still never gave them no written content to furnish these fraudulent inquiries/inaccurate accounts/late payments. They also violated 15 USC 1681i 5 & 7 and verified these accounts, and violated 15 USC 1681a ( 2 ) ( B ). The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine. 

Also, this company violated 15 USC 1681a ( 2 ) ( b ) which states that a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

An exclusion means that is it not supposed to be on there. Additionally, a credit card is defined in the Truth and Lending Act q5 uSc 1602 ( l ) - the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card is referring to the fact that my credit card or social security number in this context was used when I did business, because my social security number was used to extend credit to myself in this transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
on XX/XX/2020, PORTFOLIO RECOVERY added a derogatory mark on my credit report per XXXX XXXX. Upon further research, I am not responsible for this account. The creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send in a bill and say it is mine. According to the FCRA, PORTFOLIO RECOVERY has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charge a Deposit Item Returned Fee without my knowledge because I tried to cash a check issued by a cashback website. I did not know the check could not be cashed and I am unable to verify if the check is valid before I deposit it. This is the most unreasonable fee I have ever seen

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30
Company: Southwest Credit Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please re open a previously closed complaint # XXXX. 

Theie response is not accurate and has not been vetted. I have been and currently am a solid and loyal customer of XXXX for over 12 years now. I pay {$300.00} every month for 4 phone lines. This makes absolutely no sense to open an account for a month then turn around and not pay it off. They can check my name in their system and it will show this same information. 

As a matter of fact My XXXX YEAR OLD daughter was at the mall XXXX shopping without me and decided to ask the kid working at XXXX how to upgrade her phone. The kid working at XXXX told her she just needed to pay a fee upfront and sign her father 's name which is XXXX. The XXXX rep did not ask for any ID AND LET MY XXXX YEAR OLD DAUGHTER UPGRADE A PHONE I JUST FINISHED PAYING OFF TO THE NEW XXXX XXXX. Now I'm stuck paying on a new phone XXXX again for the next 2 years. XXXX OBVIOUSLY HAS People working there doing shady /unfair and illegal transactions just to make a sale. They can pull their video tapes and check. 

THIS GOES TO SHOW HOW XXXX ONLY CARES ABOUT MAKING MONEY AND Doesn't check IDs I presume this is what happened in 2016 when someone used my information at XXXX and now I'm being penalized for a debt I did not create. This makes absolutely no sense at ALL why would I get a phone and text myself ... There are only 4 of us in my home and ive been paying for 4 phones for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX OF XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX : {$55000.00}.

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 non-monetary relief
Consumer complaint received 2020-12-31
Company: EQUIFAX, INC.
State: AR
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:
Im assuming that you either didnt receive my letter on XXXX or your just ignoring me because I clearly noted each every misleading and unverified account I understand that you receive thousands of letters each day but it has now been over 60 days since I have received any investigation results. These accounts are unknown and inaccurate I demand them to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Experian Information Solutions Inc.
State: SC
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:
I submitted a request to investigate certain accounts on my Experian and XXXX reports. I submitted my first request on XX/XX/2021, I did not receive a response from either bureau and so I then sent a failure to respond letter on XX/XX/2021. I never received a response to that letter either. These issues are extremely frustrating as these errors are drastically affecting my lively hood and holding up my home buying process. 

I would like to file a complaint against both Experian and XXXX for failure to respond to both of my requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Credit Management Control, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX around XXXX XXXX, I went to my local Bank of America to deposit cash my parents gave me to pay off my monthly college payment. The total amount deposited by me was {$3200.00} and the ATM only gave me {$300.00} at the time of my deposit. I immediately called my bank the next morning to open a claim. I was told by the bank that I would get the {$2900.00} added to my account temporarily and if they needed any more information they would contact me. After a month and a half of waiting, I was not given any updates nor was I ever contacted for more information. I came back from school for winter break with my mom receiving a mail saying their investigation only found {$980.00} out of the {$2900.00} that was missing from my initial deposit. My mom and I decided to go to the bank around XX/XX/XXXX to speak with them in person and to escalate the investigation. They reopened my claim and told me all I could do for now is to wait for them to finish the investigation. I called them multiple times to see if they had an update and XXXX out of the 4 times I called I would get the same response. The fourth time was when the lady helping me said she can try escalating it again. After our conversation, she told me that I would get an email within the next XXXX business days. Still, I did not receive an update given by the representatives so I called again. They helped me escalate again and finally I got an email about my claim on XX/XX/XXXX. The message I received was completely incorrect as if the fraud department was looking into the wrong time frame this whole time. It clearly stated, " We found the transaction you referenced but we can't find any record of cash or additional cash being deposited at the ATM for {$1900.00} between XX/XX/XXXX and XX/XX/XXXX. '' I called them again telling them how this investigation was approached completely incorrectly and they said they would reopen the claim and that I had to fax them a written statement of why it had to be reopened. Within a week, they sent me another email saying the same exact message about how they could not repay me because they did not find anything within XX/XX/XXXX to XX/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 monetary relief
Consumer complaint received 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have filed XXXX XXXX XXXX XXXX XXXX I have not received resolution on this matter as to repalcement of defective chair Is there a " drop dead '' deadline for merchant to respond? 
If so what is date and what is Capital response to me I am getting perturbed and stopped using Capital card until this issue is resolved Please issue letter summation on this dispute I just want a replacemet desk chair, I sent pics and receipts twice and chair is estimated to be {$71.00} of of {$120.00} purchase of desk and chair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was having problems making my car payments due to my prior XXXX treatments and the pandemic. I had to take off work for a while and was receiving my XXXX. Thankfully Capital One Auto Finance offered a plan that split my monthly car payments in half from XXXX to {$290.00}. After reviewing my account I noticed my Maturity date has been extended out for an additional year and a 5.9 % interest rate has also increased my increased interest payments as well. After speaking with a rep he explained to me the {$290.00} payments made for XXXX and the 5.9 % additional interest charges is what kept me in the car. None of the approx {$2500.00} in payments has whet towards my loan payments. Even though Capital one applied portion of the payments towards the principal they added XXXX payments XXXX XXXX to my loan which gives them the XXXX reduce payments and 5.9 % percent payments for free. I lost my money when I could just paid a month behind until things got better. This is so unfair. Now Im gon na be paying {$25000.00} for the car and {$20000.00} to Cap! This is not helping the consumer! This is robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 Report act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # 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 an 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 or 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 2020-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020 I decided to purchase a trampoline on XXXX for my kids. After purchasing it I realized that I no longer needed a trampoline because my kids did not want it. So I called XXXX to cancel it the next day ( XX/XX/XXXX ). XXXX said that they would cancel my order. I got an email from XXXX the same day confirming that the order got canceled. I thought that the order got canceled because I didn't get any updates about the item until a month later ( XX/XX/XXXX ) when it got delivered to my house. When I got the item I called XXXX because I was confused about why it got shipped to my home when I canceled it. They said they would investigate it and get back to me. I called XXXX 3 days in a row after that to ask for any updates. But I heard nothing back from them. I even email the seller myself to see if he could give me a label to ship it back but I heard no response. After that, I called my bank ( Bank Of America ) and opened a dispute because the charge was still on my credit card. After providing all the documents the bank asked for ( emails, purchases, and phone calls, etc ... ) the Agent Manager guaranteed that I would get my money back. After not hearing from them for almost three weeks, I called them back. They told me that my case looks strong and that I have enough proof that I want to return it and the XXXX seller did not provide me with any way to ship it back to them. My bank promised me that this case would be resolved on my behalf before the new year. Last week on XX/XX/2020, I received a letter from my bank saying that my claim was declined. On the next day, I called them and spoke to the dispute manager she claimed that they could do nothing because XXXX refused to give my money back. According to her XXXX claims that I never asked for the order to be canceled. Which Is a lie because I have proof that XXXX canceled my order. ( I will attach it as proof. ) She also claimed that XXXX has a money-back guarantee. I tried to do that but XXXX banned the seller so his profile is not avalibe meaning that I could do nothing with my order, and they never gave me the option for the money-back guarantee. This was an ongoing problem for about four months. I lost my job due to covid and I can't afford to pay the amount for the trampoline that I canceled the order before it was shipped. Could you guys please help me with this. Thank you so much.

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