BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
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:
The unverified items indicated below continue reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.

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 2023-07-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had a business account at Chase Bank and gave the employee five checks a week, and she changed the date and amount at her deposal, defaced 13 times, caused more than {$5500.00} in damages, so I informed the bank and sent them the documents, copies and police reports that they wanted, and I asked for help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: OK
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
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:
I contacted all XXXX agencies and let them know I experienced identity theft with one account beginning XX/XX/2018. At first, they said the item was valid and then no response in other attempts. I have used this portal and mailed them letters, I also called them. I have attached my most recent letter to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
At this point the CRAs know, or should know, the information furnished by XXXX XXXX is false and/or misleading, and that the subsequent reporting of such false/misleading information causes me harm or is likely to cause me harm as a consumer. The precedent established within my Federal district makes clear that reporting of false/misleading information violates 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : XXXX v. XXXX XXXX XXXX XXXX 954 F.3d 938, 943 ( 6th Cir. 2020 ) ). The CRAs have received multiple CFPB complaints regarding their persistence of this information and have been asked to remove it. Yet, they have neither conducted a reasonable investigation, nor taken action to remove the derogatory information, even when the information furnished by XXXX XXXX has been contradicted by XXXX own statements those statements, having been included as a part of my previous complaints to the CRAs. 

The full complaint is attached.

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 2022-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Well my husband did here from Bank of America within the time limit you provided to them but the problem is they contacted my husband and told him that if he had any questions that he could call them and the person would be more than happy to speak to him. The person my husband talked to was XXXX XXXX in the Regulator Complaint Department at Bank of America she was XXXX women XXXX ext XXXX. Well she set some paperwork showing us some payments we made at the time and told him we could not get the HUD taken of our loan but never gave an explanation of why, plus every time my husband called back he was never able to get her. My husband has more questions like why was the HUD placed on the loan and were is all the paperwork about the modification, and why is it we nor the mortgage company we are with have any paperwork from our loan. At this time XXXXXXXX XXXX  has no paperwork about our loan with Bank of America nor do we have a paperwork about our modification. Bank of America is one of the worst Banking institution to ever work with. I would like to no were else we can report them too. We are sure that Bank of America is doing a lot of people wrong and that if a stop is not put to it there will be a lot of people victimize by them just like we are. Please let us no were else we can report them to. First complaint # XXXX Thank you for all of you help

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 2023-07-14
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I deposited three checks which turned out to be fraudulent. I notified the bank immediately when I found out about the fraud. The bank locked me out of my accounts and turned it over to their fraud department. However, it has been a month since the last bad check was deposited. Two of the three have been returned, one hasn't been. 
The bank deducted the amount of the bad checks when they let me close my savings account, however, they will not allow me to close my other checking account. That checking account was not compromised and the bank should be able to verify that. 
They have been putting me off since XX/XX/14 and are holding onto over {$10000.00} of my money and they will not let me have it. 
PLEASE HELP!

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 2023-07-14
Company: Mobiloans, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I first applied in XXXXXXXX XXXX 2022. I have made all my payments and I still owe XXXX and that's because I pay {$350.00} a month. It is making it impossible to make ends meet. I pay two payments a month of {$170.00} and only {$30.00} goes into the principal. This can not be legal. I reached out to them but nothing has been resolved. I had my car repoed due to this loan because I could not make all my payments.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
In XXXX, I went to close my student bank account and I had opened up a new account because I was not attending XXXX XXXX XXXX XXXX I was told to leave the student account at {$0.00} for 30 days. Following the representatives steps I left the account a {$0.00} and opened up a new account with Wells Fargo. A month later I noticed my credit was beginning to fall because the account that was suppose to be at {$0.00} now had charges that ended up going as high as {$900.00} + dollars. 
Not soon after I lost my job and this put me in the worst position of my life. I still have not recovered completely as I had this bank account that was suppose to close out and did not. My credit declined so fast, I was unable to take additional funding out, I could not purchase a vehicle and so on .... This particular student account was the first problem that cause so many more. I am begging for some capital to help me get back on the right track. This has also caused me not to pursue jobs as it got worse. 

Hopefully Wells Fargo could do right by me as this messed my career up for years. 

Sincerely, 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 explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06
Company: DISCOVER BANK
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 paid {$5000.00} i use Discover credit card to XXXX XXXX on XXXX XXXX as down payment for a new car and on second day we had to go through the contract with a promise they would give me a good deal but i had to pay the down payment to prove that i was serious and if the offer is not good no obligation and i will get my money back. The next day the offer it wasn't good and i didn't like the offer. I asked them to return the down payment to my credit card they said okay but i was not comfortable and worried. On XX/XX/XXXX XXXX i called Discover credit card to dispute the transaction they said i have to give the dealer 10 days to return the money and we can start the dispute on XX/XX/XXXX, if they don't return the money. The dealer didn't return the money credit card company started investigation they found in my favor on XXXX XXXX. On XXXX XXXX discover sent Email to me stated that will continue investigation because the dealer submitted a contract between XXXX XXXX and my son done on XXXX and contract date on XX/XX/XXXXthis deal was finished and my son took the car on same day after he paid {$5000.00} in cash as the contract proven this. I asked Discover credit card it is no relationship between the transaction i disputed happened on XX/XX/XXXX XXXX and transaction it done on XXXX and so far the credit card company reapplied a temporary credit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: LA
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:
Unwarranted inquiries listed on credit report : Experian : XXXX Card Dated XX/XX/XXXX XXXX Dated XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX  ( Finance ) 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 explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX Disputed To Have Inquiries Removed But None Was Deleted Or 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 2022-01-31
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I requested a credit line increase on my existing credit card with Barclays Bank Delaware. I was never told that such a request would result in a " hard inquiry '' on my credit report. However, such a hard inquiry was in fact completed by Barclays Bank Delaware. I requested Barclays Bank Delaware reverse the hard inquiry, but they refused.

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 2019-10-15
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX ( XXXX ) To : you Details AFFIDAVIT OF TRUTH Indeed, no more than ( affidavits ) is necessary to make the prima facie case. 
United States vs. Kis, 658F.2nd, 526, 536 ( 7th Cir. 1981 ) ; Cert Denied, 50 U.S.L.W. 2169 ; S> Ct XX/XX/XXXX XX/XX/XXXX For and on the record I hereby certify and swear the following statement is the Truth and nothing but the Truth. 

My name is XXXX XXXX and contacting and asking your company for help in the following issue : I am part owner through life estate of a property shared with XXXX XXXX XXXX, which is located at XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX County. This property was used in obtaining a mortgage on XX/XX/XXXX. The mortgage amount was {$200000.00} with a 30-year fixed interest rate of 3.990 % - 132 months through a Quicken Loans Company located at XXXX XXXX XXXX, XXXX, Michigan XXXX. 

Mortgage Banker XXXX XXXX ( Please See Attachments ) was the closing agent for the title company, XXXX XXXX, XXXX. This company performed the title search on the property of XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX dated XX/XX/XXXX and at that time the deed read in the following way ( Please refer back to attachments ). Hence, it was a direct endorsement approval for a HUD / FHA-insured mortgage - Loan number XXXX. 

On or about XXXX/ XX/XX/XXXX, XXXX XXXX XXXX went back to the same company Quicken Loan for a refinance. At that time, we were informed that the property could not be refinanced because of the life estate that was on our property and as a part of Quicken Loans policy. Specifically, according to this policy, they will not refinance or mortgage any property that has life estate attached to it. 

Being informed of this information that was not revealed or made known to Miss XXXX or myself, Mr. XXXX, when our home was first financed of this policy has shown a lack of transparency. Being that this contract is lacking or missing pertinent information for it to be formed and legitimate causes the note of said contract to be unenforceable. This oversight has created a bilateral mistake inside the body of said contract, which makes the subject matter ( Deed ) that the title company, XXXX XXXX XXXX./XXXX XXXX liable for said mortgage contract, which binds Ms. XXXX to this illegitimate debt. 

In order to cure this matter, I am proposing the following to be done : All monies paid from XX/XX/XXXX to the present into this illegitimate contract be returned to Mr. XXXX XXXX XXXX and Ms. XXXX XXXX XXXX with intertrest, without prejudice. 


Since being told that we can not refinance our home, we are receiving emails from same title company, using a different name XXXX XXXX from Mr. XXXX XXXX, that informed me Mr. XXXX that XXXX and XXXX XXXX are one of the same. I am concerned that different individuals are trying to ignore or bypass our issue and act as if it did not occur or exist. 

Please click on link for attachments https : XXXX Reply Reply All Forward

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Synovus Bank
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My monthly mortgage payment is {$2000.00} due on the first. I pay it early every month on about the XXXX with an ACH, in the amount of {$3000.00} and almost every month they charge me a late fee of {$20.00}. I do this with XXXX other banks which are much smaller and they have no issues with it. This was last addressed by Synovus Bank in XXXX of 2022. Since then the have continued to do it and have not fixed the issues on their side and now own me {$140.00} through XXXX statement. 

I can send you copies of the statements where they repeatedly take the money in and out with not even the correct amounts and charge one or even two late fees. 

They have not responded to my phone calls since the XXXX correspondence. I have gone into the local branch and given them copies in XXXX and have not heard back from them either. 

I can't understand why this is hard for them to do or if they just don't want me to pay this down but I don't think it is done automatically as it looks like manual entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX 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 explanation