BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$3900.00}

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 explanation
Consumer complaint received 2021-04-23
Company: EQUIFAX, 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:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( Dept ED/XXXX, XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the midst of both cash and credit card fraud by online theft, and telephone threats, I paid through XXXX XXXX upwards of {$1300.00}. plus {$540.00}. through a XXXX charge. XXXX was able to reclaim and reverse the charge to my account housed there in. Yet Chase Marriott has and continues to refuse the remove the fraudulent charges dated XX/XX/XXXX which included the purchase of three XXXX   @ $ XXXXea, and then a shipment fee at a local postage store for {$64.00} for a total of {$2100.00}, still outstanding on my Chase Marriott Visa Account. I have ordered copies of the Statement dated XX/XX/XXXX, which was the first Statement received from that company. Now I have a new account number and a new card, but still these charges have not been removed from my debt. They have become buried in the pile of debt to be collected [ or written off when I die ]. I expect to live quite a bit longer, just as both of my parents who lived into their XXXX 's. So carrying around this bad debt which is not my own is not ethical. That is what I told Chase Marriott again today, when requesting a dispute and removal be done. I was told multiple dates of how long after a debt was charge the account holder had to dispute the debt. It was 118 days from the date the bill was sent, or 60 days, from the date of the charge. I was also told by the Supervisor at Chase Marriott Visa today, XX/XX/XXXX that they did not have access to this statement or these charges. I do and would be more than happy to share the facsimile copy I have kept on file after asking their office for a copy of the XX/XX/XXXX stmt. issued for payment on XX/XX/XXXX. The first statement on the account. There is something very suspicious going on here and I do not intend to pay the defrauded portion of the bill and interest accumulated on it over the last five [ 5 ] years. Please advise Chase Marriott Rewards aka Marriott Rewards, XXXX XXXX XXXX, XXXX, DE XXXX that I want the total amount of charges, plus all accumulated interest to date removed from my account immediately. I know this can be done, since this within this same period of time, The XXXX XXXX charges associated with their own fraudulent activity are being redistributed to myself and others in a large law suit. [ See United States vs. The XXXX XXXX XXXX, Remission Administrator, for those details ].

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have an account with ACE XXXX  ACE-ELITE Flare Account. 

I have been suspicious and have noticed recently that the balances does not add up to what ACE debit or credit to my account. 

For example : On yesterday, XX/XX/XXXX, I had a previous balance of {$15.00}. I made an ATM withdrawal in the amount of {$53.00}. 

I received a text account alert from ACE stating my account was overdrawn by ( - {$60.00} ) Additionally, I received an emailed NEGATIVE BALANCE TRANSACTION NOTICE stating the following : " Our records indicate your above-referenced ACE Flare Account ( " Account '' ) currently has a negative actual balance of ( {$40.00} ) after a transaction on XX/XX/XXXX. To avoid a {$20.00} Overdraft Fee for this transaction, please add ( {$40.00} ) to your Account by XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX. We will apply any funds credited to your Account to your negative balance before such funds are available to you for use. '' I made a deposit today at or about XXXXXXXX XXXX XXXXXXXX, in the amount of {$240.00}. After which, I received another transaction account alert, via text stating the following : {$180.00} available in your Flare Account after adding {$240.00} on XX/XX/XXXX at XXXXXXXX XXXX XXXX. '' In that, NONE of these balances or the idea that {$20.00} Overdraft fee was avoided. 

Particularly since.. My account had a balance of {$15.00} ( XXXX ) to the {$53.00} ATM withdrawal. $ XXXX $ XXXX ( - {$37.00} ) NOT ( - {$60.00} ) as ACE has wrongfully and falsely misrepresented. 

Even if the {$20.00} Overdraft fee was added, the balance due should ONLY reflect ( - {$57.00} ) NOT ( - {$60.00} ) as ACE XXXX has wrongfully charged my account. 

Lastly, If the {$20.00} Overdraft fee was avoided as ACE XXXX has falsely advertised, " To avoid a {$20.00} Overdraft Fee for this transaction, please add ( {$40.00} ) to your Account by XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX. '' the final balance in my account AFTER my deposit in the amount of {$240.00} should be : ( {$280.00} ) NONETHELESS, my current available balance is {$200.00}. And there are no pending transactions EXCEPT an automatic draft that is scheduled for tonight in the amount of {$170.00}. Therefore {$77.00} is UNACCOUNTED FOR and unavailable for my use. 

Further, I am aware that XXXX EXPRESS has been fined by your organization for the same activities. This has been going on with my account for a very long time and my account needs a complete audit as I am under the impression XXXX EXPRESS has wrongfully, stole hundreds, IF NOT thousands of dollars from my account because of their own accounting. 

Please assist with this complaint and also be aware that XXXX EXPRESS is notoriously documented and proven by the CFPB, for committing these acts against their account holders.

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 2022-04-08
Company: AMERISAVE MORTGAGE CORPORATION
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: Account information incorrect

Complaint:
Dear Amerisave mortgage, Please kindly remove late payment reporting from my credit report. My mortgage was settled and it was confirmed that there would not be any negative reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Wells Fargo and on several attempts I tried to get a modification due to a change in my financial situation however Wells Fargo continued to decline and delay in decision I had to file bankruptcy to try and get some sort of relief of course now my credit is destroyed

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been charged overdraft fees for transactions that I had the money in the bank. I swiped my card for a transaction the day I was in the positive, and days later charge overdraft fees for those same transactions because they was still pending status.

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 2022-10-12
Company: EQUIFAX, INC.
State: WA
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:
RE : XX/XX/XXXX Late Payment I am requesting to please remove the delinquent payment that was applied to my credit score for the month of XX/XX/XXXX. The delinquent payment was due to a bank error and not delinquency. The following is the history and background of what transpired. 

XX/XX/XXXX - I made my XX/XX/XXXX online XXXX mortgage payment. On that same day, I made {$4500.00} deposit into my bank account to cover the mortgage payment and any miscellaneous first of the month transactions ( bank account should have been credited {$4500.00} instantly ). 

XX/XX/XXXX - XXXX attempts to pull funds from bank account and is denied due to insufficient funds. 

XX/XX/XXXX - Bank deposits money into account 48 hours late. The bank does not know why this mistake happened as the funds were supposed to be instantly available. 

XX/XX/XXXX - I realize the mistake the bank made in not posting the funds immediately while looking at my bank account online. I promptly correct the issue and make the XXXX payment. 

XX/XX/XXXX - XXXX mortgage payment is made. 

XX/XX/XXXX - Receive credit score alert that my credit score now has a delinquent payment due to our mortgage payment not going through. I quickly called my bank and was furious. They couldnt explain why the check was not automatically deposited into my account as was done several times before. They apologized and promptly refunded the NSF XXXX Overdraft Fees that occurred during that time period ( making my account overdrawn and unable to process the mortgage payment ). They also apologized and said there was nothing they could do about the missed mortgage payment but said to contact XXXX, explain the situation, and show the refunded NSF/Overdraft fees as validation of the mistake. 

My wife and I are both self employed. I am a consultant and my wife owns a restaurant. This is the first time a late payment has hit our credit report. The reason why we had to push our payment till the end of the month was my clients were late paying their invoices and the XXXX is always slow in XXXX. XXXX has very much impacted our finances but we pay our bills and have no desire to apply for forbearance. This payment should have gone through without any issues and its incredibly frustrating! We will be switching banks because of this mess, I understand mistakes happen but this could have major implications on my score for years to come if its not corrected. 

We respectfully and humbly ask for you to remove the late payment on our credit report due to the honest attempt to pay on time ( XX/XX/XXXX ), extenuating circumstances/mistake with our bank, and our flawless payment history. 

Thank you for your consideration. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Credit Karma, LLC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX there was an unauthorized transaction made on my credit karma money account, which was only created to have my income taxes deposited into. The merchant was XXXX XXXX and the unauthorized transaction was in the amount of {$600.00}. I have since disputed the unauthorized transaction with Credit Karma on XX/XX/XXXX and their response to my dispute was dispute unsuccessful, we tried our best, but couldnt resolve your dispute submitted. They also informed me that I could not appeal their decision and it was final. Upon speaking with XXXX XXXX ( XXXX XXXX ) they told me since the transaction was not authorized on my account they couldnt help me file a dispute and that they would need to speak with the person who authorized the dispute. It is crystal clear and very apparent that Credit Karma did not do their due diligence during the investigation process or else they would have sided with me in regards to the transaction being unauthorized and fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05
Company: ClosingMark Financial Services, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2022 we gave {$15000.00} and {$7400.00} as earnest deposit for a new home. This deposit was given with the guarantee to be refunded if when closing we did not qualify for the loan. We pre-qualified for the loan and I was assured that the funds would be refunded if we received a denial of funding. We received a Breach of Contract from the Closing Coordinator that Taylor Morrison would keep the funds due to delay in approved funding. I contacted the loan officer XXXX XXXX he stated that he did not understand why we received this letter and had been out of the office. During the time XXXX was away our loan was never given to another officer. I reached out to the Property manager XXXX XXXX who was also the co-agent for the purchase of the home and asked how I can force Taylor Morrison lending to provide an approval or denial especially since the loan officer has been " off for some time '' as he stated in the email. We received the denial of the previous pre-qualified loan, and I was told by XXXX the property manager and co-agent that it was in black and white zero funds would not be refunded due to the delay in approval or denial of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX is displaying a Foreclosure remark and balloon payment amount on my Experian Credit report that are inaccurate. The property in question was foreclosed in XX/XX/XXXX, however this was not a balloon mortgage. The property was mortgaged for XXXX but all 3 bureaus ( XXXX XXXX and Experian ) show a balloon payment amount of {$470000.00} due on XX/XX/XXXX. I have no idea why they are reporting this balloon amount so I disputed with all 3 bureaus to no avail. The worst action taken as a response to my dispute occurred on my Experian report. Every time I dispute the inaccuracy on Experian, the Foreclosure date is moved to whichever month I report the dispute on. All I wanted was for this to be reported accurately. 
The foreclosure remark has been reported on my Experian report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The foreclosure Started ( FS ) remark has been reported on my Experian Report XXXX, XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX. Each time I dispute they move the marks to an incorrect place which causes my credit score to drop. The last dispute I sent had the Original Deed ( showing no balloon payment rider ), Sale deed ( showing correct Foreclosure sale date and title transfer date ) and copies of the incorrect notations on my reportXXXX XXXX XXXX XXXX and Experian did nothing. The inaccuracies remain.

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 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America Advantage SafeBalance checking account opened in my name on XX/XX/23. Called the bank to report it and the account was closed by the fraud department and recorded. Also, filed a police report and reported identity theft to the credit bureaus. On XX/XX/23 another Bank of America SafeBalance checking account was again opened in my name. With both openings, I was notified by email of the application and seconds later of the approval. Bank of America stated they could not give me any information on the checking account opened in my name because I did not open it and there was nothing they could do to block future accounts being opened in my name.

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 2021-01-21
Company: CarMax, 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: Information belongs to someone else

Complaint:
Greetings to all and I pray that all is well during these trying times. I've had an issue with a XXXX account appearing on my credit report that was not authorized to be open by me. The account was opened XX/XX/2020 for {$16000.00} and I reached out to CarMax and to XXXX  in order for them to please delete/remove this item from my credit report. I have previously been a victim of identity theft and since then there have been unauthorized inquiries and accounts to appear on my credit report periodically. I provided an affidavit and a police report to CarMax and XXXX  explaining my situation and they have failed to comply with federal rules and regulations. Times are very hard on my family and me. I am asking for some help in just removing this CarMax account from my credit report so that I may continue to provide for my family during this COVID-19 pandemic. I am in process of relocating my family and this account being on my credit report is causing grave grief and anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE 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 is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

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 2023-01-22
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX and Shell Point using predatory lending practices. Foreclosed on my house in Florida twice 9 years apart never took the house out of my name off the house or mortgage messed up my credit score and forced me into bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation