BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX Veteran XXXX XXXX XXXX now complains against MetLife. 
MetLife was fined {$120.00} million dollars for residential mortgage fraud committed from XXXX to XXXX, my fraud was committed on XX/XX/XXXX and continuing because I am being overcharged at 5.5 % interest which was falsely claimed at my home loan closing when I was quoted 4.5 %. MetLife 's now disbarred attorney XXXX XXXX, and their XXXX Georgia Home Loan manager XXXX XXXX ambushed me at the closing and said the VA had approved 5.5 % interest because my house was under {$50000.00}. Not only did the XXXX VA Regional Office later tell me that MetLife had made a false claim, but, I have the entire history of the VA Public Laws and nowhere is there any VA Public Law providing lenders a higher rate if the house is under {$50000.00}. XXXX recently published a report that many Veterans are being overcharged. My research on this which I will attempt to attach, shows that in XXXX XXXX, 3 Congressmen pushed Public Law 104-110 which only permitted the secretary of the VA the power to change the VA Home Loan interest rate from the traditional 1/2 percent below XXXX rate to " negotiation '', but not even MetLife or my FOIA requests or letters to the Secretary of the VA, no one, can produce any change signed by the VA Secretary from XXXX to XXXX, and even beyond, allowing negotiation. Because of the MetLife $ XXXX fine, my loan wound up with XXXX and I have not only been overcharged at 5.5 % interest, but my report to the CFPB has never been answered to me even though XXXX XXXX XXXX has just been fined by the CFPB for what they did to me and others, XXXX raisded my payments to {$370.00} from {$330.00} and ignored my requests for an explanation why, and XXXX concealed the CARES ACT from me which would have helped at the time to get my interest rate down to 2.7 %. MetLife also owes me {$230000.00} for concealing my life insurance policy and denying I had one, and, they caused me personal injury by not paying my VA Dental Insurance claims causing me to lose at least5 one, and probably two teeth. XXXX XXXX XXXX reported this as " The insurance industry under investigation. MetLife signed a 22 State Consent Order promising to pay me and then denied I even had a policy. Please help this time. Please send me additional space to submit documentation. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my THIRD letter to Experian, XXXX, and XXXX since XX/XX/2021. I am a victim of identity theft. I have been scammed and this is hurting me financially. 
I reviewed my credit reports. I am really confused because there are STILL fraudulent items that arent mine on there! Ive listed the details that need to be deleted right away due to identity theft. Im not sure who stole my identity but I need this resolved immediately. I am receiving generic letters saying the information remains? Why would an account opened as a result of identity theft remain on my profile? I dont get why theres still fraudulent items and a date of birth on my credit report. Its really bad.

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 2023-05-31
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I have tried on many different occasions to remove my Citi Bank Secured Card from my credit report/Profile. I have called the Citi Bank directly, as well as dispute with the three credit bureau and each time it is verified, or each time I call either companies they tell me to contact the other party to get it removed, leaving me in circles going back and forth. 

The account was paid in settlement in XXXX. When I call to confirm the balance, it is XXXX or not found but it is still showing on my profile. Citibank sent me a paid in full letter, with a XXXX balance, dated XX/XX/XXXX but will not remove the account from my credit report. I sent this to the bureaus but it continues to report on my credit file as valid which is affecting my credit report and 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 2023-04-12
Company: NATIONS DIRECT MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi I had a mortgage for my property with Nations Direct Mortgage , LLC, who sold my mortgage to XXXX XXXX XXXX XXXX ( XXXX ) in mid XXXX. 

My escrow account had {$6400.00} at the time of transition. However, XXXX claims they only received {$1000.00} as part of escrow and the rest was held by NDM to pay off the Property taxes to the county. I found out in XXXX that my taxes aren't paid yet and started inquiring about it. XXXX paid the taxes in XXXX. Since they paid late, I ended up paying {$180.00} more than I should've paid if it was paid in XXXX. I asked to be credited for the difference but they declined. 

Larger problem is it's been 5 months since my account has been transferred but I still haven't received my escrow payment of {$5300.00} from NDM or XXXX. That discrepancy still exists. My current escrow balance is- {$1700.00} ( negative ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: NY
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:
THESE INQUIRIES WAS NOT AUTHORIZED BY ME. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Starting XX/XX/2023 US Bank took over Union Bank & shut down on-line access for 5 whole days. During that time I could not access my Union Bank account via on line. On XX/XX/XXXX I received an email from US Bank stating their site was active & I could sign up for US Bank services. I tried to do so for hours, made over 5 calls, spent at least 3 hours trying to find out why, after setting my User & password, that the site was not working. Next morning, XX/XX/XXXX I tried logging in again in the morning, no luck ; error message " This is not a valid account. '' Called again, was place on long hold ( 23 + minutes ), had to leave so hung up. Came home, around XXXX tried to log in, account stated LOCKED due to too many log in errors ( not my fault ). Called again, was transferred to tech support. XXXX representative told me unless I WAS willing to use a different browsers, ( I use only XXXXi ) that she could not help me & someone else already had opened up a case w/ case # so she could not help me. She was very rude. She told me it would be XXXX days before the assigned case manager would be able to get back to me! That would make the total amount of days I have not had access to any on-line bank what-so-ever at least 8 days!! Shocking! They stated others were having same difficulties with trying to set up a new account! This is unacceptable. I am operating in the XXXX. I am afraid to deposit any money into US Bank because they do not seem to be responsive, helpful, or transparent! They needed to have all the bugs worked out before they made the transition! Also, they are making the consumer go thru all kinds of delays, calls, exercises with technology that the consumer may not be able to execute or access. IT IS NOT UP TO THE CONSUMER TO WORK FOR HOURS & DAYS & MAKE CHANGES TO THEIR PERSONAL SOFTWARE TO BE ABLE TO USE A SIMPLE ON LINE CHECKING ACCOUNT ACCESS. IT IS VERY STRESSFUL NOT TO KNOW WHERE I STAND WITH MY BALANCE WITHOUT HAVING TO CALL US BANK & BE VERBALLY TOLD BY A STRANGER WHAT MY BALANCE IS! I AM VERY WORRIED THAT MY SOCIAL SECURITY CHECK DIRECT DEPOSIT WILL BE MESSED UP WHEN IT DROPS ON XX/XX/XXXX! LIKELY THAT WILL BE MESSED UP AS WELL. THIS HAS BEEN A COMPLETE MIS-HANDLING OF A BANK TRANSITION and possibly the mis-handling of consumer accounts and their ability to access their checking account via on-line.

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 2022-09-10
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I no longer reside at any of the following addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These addresses are on my credit report # XXXX Need these addresses removed immediately My only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX Please update soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, 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:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance to Section 605B of the FCRA you have determined that my request was either made in error, a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? All of the reasons that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. 

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX A ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: EQUIFAX, 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:
On XX/XX/2018, I put in an application for a loan, I was denied for the loan because they informed me that on my equifax credit report my child support was in default and late over 120 days for almost 2 years. Ive have not been late with my support or missed a payment. enclosed as proof are all my child support payments that i receive emailed receipts. I mailed the first letter to experian on XX/XX/2018 and they send my a reply as verified and that the information was correct. on my second later dated XX/XX/2018, i asked for proof of verfication. Per the Fair credit reporting act, they have the burden of proof sending me documentation on how they verified the information. They sent me a letter saying that it was once again verified and that they updated the status from 120 days late every month to " G '' which in their code means account under collection. Once again, no letter, no method of verification. So I decided to call the number that equifax has listed on my report for the child support office and it is disconnected, XXXX XXXX.So if they have the incorrect number, how can they call and verify?? My child support obligation was met and closed on XX/XX/2018. The account is now closed, I went to the office in XXXX and they told me to dispute with the credit report agencies because it was out of their hands. I took the initiative to go into my emails and found the payment receipts for all my support payments enclosed, which prove that all payments were made consistently, on a monthly basis with no deliquencies or missed payments therefore proving my case all along that this was incorrect information. The credit bureau had the burden of proof to properly investigate this information and failed, A blatant violation under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I heteby acknowledge that the name of this complaint is being submitted through is ( I ) ) And not a credit repair company or any other entity. After reviewing my current credit report on XXXX. I've notice that TransUnion has once again submitted an account under the name XXXX XXXXXX/XX/XXXX XXXX ; original creditor XXXX XXXX XXXX without notice 5 business days prior to reinserting this account. A violation of FCRA rules section 1681. 

Please see attachment This account has been removed, this account was removed in XX/XX/XXXX, but has been reinserted today XX/XX/XXXX. A violation of FCRA rules.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in XX/XX/2017 XXXX XXXX XXXX  reported a late payment with a o, XXXX, amount due. 
the previous month i had paid more then amount due which gave me a XXXX amount due for the month of XXXX. they reported me 30 days past due because i made no payment on XXXX on the XXXX balance. i haqve talked with XXXX XXXX and they have agreed to remove the past due report but have not do so yet. please remove this past due of XXXX report from my credit report so my credit report will improve and i am not penalized for paying this account ahead of time and not paying on a XXXX amount due.

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 2019-06-11
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: Information belongs to someone else

Complaint:
Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX/XXXX XXXX   XXXX, US DEP ED 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 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was stolen. I was alerted by 2 credit monitoring places of hard inquiries on my credit report. I found 3 fraudulent credit card applications. I have reported my identity theft to FTC and am following the recovery plan FTC has given me. Bank of America and XXXX XXXX are both refusing to give me any written confirmation that they are doing anything. They flat out refuse to send me anything in writing. Both companies will only verbally say they will do their own investigation and if they decide it was fraud they will cancel the application and their investigation will take 60 to 90 days and then they will still not supply any written confirmation of anything

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 2020-06-11
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11
Company: Seterus, Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was originally through XXXX, but sold to Seterus. For the 11 years I have been paying I pay online. Recently I received an email and letter from XXXX offering a " discount '' of my late fees. First I wasn't aware of any late fees because NO WHERE on the online payment portal does it disclose there are any late fees on my account. It just shows the principal due. The letter from Seterus dated XX/XX/18 shows that I owe in excess of {$2000.00} in late fees that I was completely unaware of. My entire mortgage payment is only {$1400.00}. a month.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX  XXXX : XXXX Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States that 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 instrusctions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer repoting agency may make any consumer report containing any of the following items of informatoion or any other adverse item of information, other than records of convitions 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 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 2023-06-22
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir/Madam, I am writing to bring to your attention unauthorized inquiries that are listed on my credit report, which are not associated with any active accounts. I kindly request that you investigate these inquiries and take immediate action to remove them from my credit report. 

The unauthorized inquiries are as follows : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to emphasize that I have never given permission to any individual or entity to list these unauthorized inquiries on my consumer report. These inquiries have appeared without my knowledge or consent, and they are falsely representing my credit history. I trust that you will conduct a thorough investigation into this matter and take the necessary steps to rectify the situation promptly. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy and integrity of the information on my credit report. I kindly request that you promptly investigate these unauthorized inquiries and remove them from my credit report, as they are inaccurately reflecting on my creditworthiness. 

Please provide me with written confirmation once these unauthorized inquiries have been removed from my credit report. Additionally, I request that you furnish me with an updated copy of my credit report to verify the removal of these unauthorized inquiries. 

I appreciate your prompt attention to this matter and your adherence to the FCRA guidelines. Should you require any additional information or documentation to assist with the investigation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate action in resolving this issue. I look forward to a favorable resolution. 

Yours sincerely, 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