BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: Movement Mortgage LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
My lender lied through my application and beyond closing. He now I see lied and said he did my application gave to face when I never met him till closing day. Then he lies and tells me Im getting in on a great opportunity because HUD has a new no money down no closing cost and Id be the first person to get in on it. He said the second mortgage would be forgiven by hud and only XXXX then forgiven. I told him XXXX was too much for me to afford and then comes back and tells me its down to XXXX. I was told I would receive a loan payment at closing which I didnt. The lender lied and said I told him I was XXXX when I was face to face with him and I never told him this. I go after closing get the first statement and its XXXX I go to XXXX and ask him what this was and he says I forgot to tell you before closing I couldnt get you down. I also told them my name was wrong and I was told it didnt matter. So I also asked for the XXXX And was told I cant have any of that or ledgers for my transaction. I was told that I would be foreclosed on because I was inquiring. I was not given full disclosure and mortgage fraud was committed by the lender from start to finish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had my graduation party XX/XX/2023 and received graduation checks. When I tried to deposit the check I forgot to write my name on one of them so Chase Bank restricted my bank account around the beginning on XXXX. They told me they had to verify the checks but refused to contact the correct numbers for those people that gave me the check. The money has been taken out of their account and chase is holding on to the money and refusing to release the funds. They are saying that THEY have to call the numbers that are attached to whatever address is attached to checks even though those number do not work. Also they refuse to receive verification when they go into the bank face to face. So they are holding on to {$300.00} they refuse to release. I tried multiple times to go into the bank and they dont do anything and when calling over the phone they dont do anything either. This is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There are incorrect names and addresses being reported on my credit. This is illegal and unfair to me because these could be other consumers names and information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
I saw and my monitoring credit bureus two inquiries I never request on my credit score.

I contact the banks and let them know It wasn't me. I sent letters, I called multiple times to the banks and the credit bureus and I never got any answer o solution to this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Upstart 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:
This is in response to complaint : XXXX XXXX XXXX Upstart : Charge-offs should not be on your consumer report, because income is not reported on a consumer report. 
Time period For payment or other action : Unless we provide a specific date any time. For your payment or other action begins on the date of this communication. 
IRS reporting of debt forgiveness : If we cancel or forgive XXXX or more of principle on debt you owe we will provide you a 1099-C tax form if required by law. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX election of consumer to be excluded from list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX Email received from WF stating that I had advised Home Preservation to close my application because I was no longer interested. This is false information. I had been interacting with your Home Preservation program for mortgage assistance since XX/XX/XXXX. 

XXXX XXXX XXXX Email to XXXX XXXX notifying WF that I had applied to the MD HAF program while being considered for mortgage assistance with WF. 

XXXX XXXX XXXX XXXX XX/XX/XXXX reply opposin

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 2022-04-19
Company: Williams & Fudge, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX Williams and fudge called and left me a voicemail at apprx XXXX am. At XXXX I believe tell called me with the number showing private and then they called again at XXXX. After they didn't hear from me they called a person I know at apprx XXXX asking for me. They were told that is not my number and was asked then they have my number. The rep said yes I called a couple times and left a voicemail but she is not calling me back. The person they called said you are violating her privacy especially if you knowingly have her number. I email the office to complain. They admitted the rep called but no privacy was violated. they said they listen to the call and would I like a copy but I am unsure why they would call someone else if they had my correct phone number of 13 years which is published.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: MA
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 XXXX  Account, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

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 2020-05-29
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: Investigation took more than 30 days

Complaint:
FTC VIOLATION ON THE REPORT AND LISTED HERE : NEVER LATE XXXX XXXX XXXX XXXX FTC XXXX XXXX L ALL FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX ALL NEED TO BE REMOVED

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 2022-12-28
Company: AMERICAN EXPRESS COMPANY
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, I was at a event and lost my debit card. I immediately requested a replacement card the following day and tried to contact the bank. I couldn't dispute the transactions until they posted so on XX/XX/XXXX, I submitted a formal fraud claim for some transactions that I did not make. The total for these transactions was roughly {$310.00}. Kabbage looked into these transactions and flagged them as fraud/returned my money but then immediately put a lock on my account. At this point, I was unable to access any of my funds in my bank account and no matter who I called and spoke to, they told me they couldn't unfreeze my account until a supervisor spoke to me. I was without funds or access to my money for the rest of XXXX and now all of this month. I requested to speak to a supervisor XXXX separate times but was told they had to call me back... I never received a call back. Roughly a week later, my replacement card arrived in the mail but it would not let me activate it because my account remained locked. I called back and was told that this " lock '' was just automatic due to fraud and would clear up in 3 days. 3 days passed and it still remained locked. Everyone I called and spoke to could not tell me why or how long it would be locked for. I fell behind on my bills because I was unable to access any of my money. At the beginning of this month ( while I no longer have the old card, and while my account still being locked ), Kabbage started allowing charges to go through on my old debit card ( the one that was lost/stolen ). I no longer have access to this card but I am also not able to access my account to review and validate any of the transactions so I did not authorize them and am not sure where they are coming from. No one can tell me why I can't access my account still. As of this week, all the money I had " locked '' in that account has now been charged off and the balance is all but depleted ... All on a debit card that was supposed to be cancellled and that I no longer have access to. Kabbage should not be able to freeze anyone 's funds without any explanation and for this long. Their behavior is criminal and left me with a horrible taste in my mouth.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: TN
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:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating

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 2022-12-28
Company: Experian Information Solutions Inc.
State: NC
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-04-19
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX XXXX Collection servic Account # XXXX XXXX Lease Account # XXXX XXXX XXXX Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX. XXXX. XXXX XXXX. XXXX XXXX. 
XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX. 
XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX These accounts need to be deleted from the credit profile.

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 2022-12-28
Company: Bread Financial Holdings, Inc.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a XXXX XXXX XXXX that used Comenity banking system. Their website has always been difficult to navigate. Plus quite often having maintenance issues. During XXXX and XXXX of 2022, their site was going to be down for couple days for repairs but it was down for most of 2 months. They were thoughtful enough to put up a disclaimer that they apologize for any inconveniences and blah blah blah wouldn't be charging any late fees while access to their website was down. Around first part of XXXX they installed a quick access to make a payment but it was non functioning also. Towards the end of XXXX, I wanted to pay this credit card off but it took half of XXXX to do so. I was able to log on and used the pay in full feature the website provided. Day or XXXX later I was able to get logged back on again and checked to see it was paid off. It showed XXXX balance and I canceled the card. Then in XXXX I got email that that I had late charge on credit card. I tried to contact them and also sent email through their website but to no avail. I had no reason to check an account that had been paid off and closed. Would think if a person paid off an account and then closed the said account, they would not be checking it again. I didnt figure they would try to scam me on a {$20.00} interest charge that they had been posted late. I suppose during this time, Comenity was too busy with the selling of their interest to Brands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
Company: Alliance Collection Agencies, 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:
I sent Alliance Collections  a letter dated XX/XX/22 to request verification of debt and HIPAA authorization. I requested the following : - Copy of my signature with XXXX XXXX to release my medical records. - Full documentation of what they received from XXXX XXXX in connection with the alleged debt. Alliance collections sent me an itemized statement and account summary that was created by them. The invoice is spelling out a specific treatment that was allegedly given, and although I am not claiming this debt, that is a HIPAA violation. I never received any type of verifiable proof of this debt or a consent form giving my HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collector by the name of Credence calls me repeatedly after telling them to stop calling they call multiple times a day even after hours. It was for XXXX XXXX cancellation. I was going through a divorce and when I moved out I had to cancel services. I have not received communication via mail only repeated phone calls. I had payment arrangements through XXXX XXXX XXXX  but they still sold debt to collections. I am in the process of disputing debt with XXXX XXXX credit repair. Credence calls approx 7x a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12
Company: National Credit Adjusters, LLC
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:
I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " NATIONAL CREDIT ADJUSTERS '' and an amount due which has already been paid long time ago. I had been harassed with calls. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX but was denied. Then the collection calls from NCA started

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
FTC VIOLATION ON THE REPORT AND LISTED HERE : NEVER LATE XXXX XXXX XXXX XXXX FTC XXXX XXXX L ALL FTC CREDIT COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX  INQUIRES : XXXX XXXX XXXX ALL NEED TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian has no mechanism for contacting a representative to change my email address on file with them, and my old email connected to a former employer is tethered to my name and person info. 

They automatically send a reset to the old email address, effectively giving anyone in IT at my former employer full access to change passwords on the account. 

To tether things to an email address seems to me to be a violation of privacy. Consumers should be able to call and use DOB/Address/SS # to reasonably regain access to their own personal data.

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 2023-06-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I believe my bank didnt apply any of my XXXX insurance benefits I had originally purchased when buying vehicle back in XXXX I was misled and harassed constantly when not able to work and pay my loan when all along I had XXXX insurance on vehicle and wasnt told so. I had to borrow and find ways to pay for truck loan to not have it repossessed.

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 2022-10-16
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:
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 XXXXXXXX : XXXX XXXX XXXX XXXX XXXX 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 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