BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: Eagle Home Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When shopping for a brand new home in XXXX XXXX, XXXX XXXX, Florida - all the Builders steer all mortgage loans to their own Lender and I have been using someone else. Unfortunately if I do not want to use their Lender I have to forfeit a {$7500.00} credit back to me towards about {$10000.00} worth of junk fee 's the Builder is charging me - just to make sure I use their Lender. I went to XXXX and XXXX, XXXX, XXXX, XXXX and all the builders there are doing it! I thought steering was illegal? I am being forced to use the Builders Lender no matter what Builder I choose - they are all doing it!

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 2023-11-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act. The list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in accordance with the FCRA inquiries are not a matter of fact, you are obligated to verify the information or not reported to your users. Please prove that the creditors has my signature requesting these unauthorized inquiries, or if this is impossible, or unverifiable remove them immediately. Per FCRA 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish a 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 2020-04-08
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have my mortgage ( loan # XXXX ) with The Money Source Inc and contacted them to request a forbearance due to hardship during this coronavirus situation. I would like a three month break on my payments, and for those three months to be added to the back end of my mortgage. I emailed my request and then spoke with XXXX XXXX, VP Customer Service, XXXX Ex.XXXX. She explained that the company is only offering a waiver of three months payments and then all FOUR months payments are due on the same day. This is not what the President and Congress set up for us with the Federal Relief Act. If we could make that huge payment we wouldn't be asking for this temporary relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is trying to collect a debt for ONEMAIN FINANCIAL GXXXX XXXX that was written off and a 1099c issued by Onemain financial. XXXX XXXX  is reporting the debt incorrectly to XXXX XXXX and XXXX credit reporting agencys.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 been a victim of identity theft. I have asked for these fraudulent accounts be removed from my credit report and it has now been 60 days and these credit bureaus are unresponsive. When you call they say they didnt receive the documents although the certified mail states that they have. I provided the tracking info and was told they would look for it and call back but again no call. I was told it would take another 30 days after they have now had 60 days already to do their job. Att is point I dont know what to do.

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 2023-02-14
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$6200.00}, XXXXXXXX XXXX XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$6200.00}, XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
JP Morgan Chase Bank- An individual or group of individuals have accessed sensitive information and are now calling in to document fake reports on my name and have blocked me out of my checking account. Its a collective group of individuals doing a mass fraud scheme and have simply targeted me for whatever hateful and spiteful reasons ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: JPMORGAN CHASE & CO.
State: MA
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:
NEW INFORMATION - XXXX XXXX XXXX, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - XXXX. 

This information has not been submitted, and shows a Payment Plan in place between XXXX XXXX XXXX and XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 I made a deposit of {$4000.00} which was from a local lender made out to me as a loan check that needed repaid. I opened up an account with Chase bank in good faith because I have friends who bank with them. The teller told me originally my funds would be held until the XXXX which came time for my check to clear and they placed an additional hold until the XXXX. My check still has not been made available to me and has collectively been in limbo for half a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: SYNCHRONY FINANCIAL
State: NV
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:
Complaint # XXXX Synchrony Bank stated that the dispute has been resolved. It has never been resolved. 
I am still being stone-walled by that Bank. They are not returning my calls. I paid an extra XXXX dollars on XX/XX/XXXX to cover the Fraudulent Charge. Synchrony later stated the XXXX dollar dispute was resolved in my favor but they have never put that XXXX dollars back into my account. 

Purchase - XX/XX/XXXX XXXXXXXX XXXXE XXXX FL Posted {$80.00} - Payment - XX/XX/XXXX PAYMENT - THANK YOU Posted- {$4.00} - Payment - XX/XX/XXXX PAYMENT - THANK YOU Posted- {$96.00} - Payment - XX/XX/XXXX PAYMENT - THANK YOU Posted- {$66.00} - Adjustment - XX/XX/XXXX BALANCE TRANSFER Posted {$100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: DISCOVER BANK
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have a personal loan with Discover. I took it out in XX/XX/XXXX. I have been receiving offers for another loan. This would pay off my existing loan and get $ available. Today I applied via phone. I was told I was turned down due to a Bankruptcy. I filed Bk in XX/XX/XXXX and was discharged. It has dropped off all 3 reports. I just purchased a new home. I called XXXX to inquire. I was told there is no BK on my report. I called Discover back. I was eventually told that there wasn't a BK reporting however the word " Reaffirmation '' was on it from a paid off trade line. I tried to explain that the Actual BK was on my credit when the original loan was made. I asked how can I be turned down for a word and you use the BK as the reason. I got no where and was turned down. I have been in XXXX   for 18+ years. I believe this is a violation of Fair Lending. My score is over 800. The fact that I had the actual BK on my report when the first loan was made and now it is dropped off and I am turned down for BK being the reason isn't right. I don't think it is legal. How can I be turned down for something that isn't there? I would appreciate you looking into this matter and letting me know if this should have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Asked for a stop payment to XXXX in the amount of XXXX to be stopped on XX/XX/2023 inside a branch of Regions bank and the teller said Regions does NOT allow stop payments. I canceled the agreement with XXXX on XX/XX/2023 due to their refusal to honor a Warranty. XXXX used slander, defamation of character, and libel to commit fraud. On XX/XX/2023 a different representative from XXXX admitted that they failed to honor my cancellation and finished their responsibility to cancel the contract. Regions bank allowed an unauthorized withdrawal of XXXX on XX/XX/2023. Upon disputing the wire fraud allegations, Regions for a third time allowed a a company to steal my money. These idiots at Regions actively engage in discrimination against anyone that is a XXXX that also has a double Business degree.

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 2023-10-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
Company: BARCLAYS BANK DELAWARE
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased an XXXX  XXXX XXXX  with my Barclays Card with XXXX Rewards in XX/XX/2019, understanding that a promotional 18 month 0 % financing offer would apply as it has on previous purchases over {$990.00} I'd made at XXXX XXXX with that card. I immediately setup automatic payments to cover the balance of the charge over the 18 month period and figured all was well. I realized now that they've been charging me interest, claiming that I needed to contact them before making the purchase ( or within an arbitrary period of time after the purchase ) in order to get those terms. That is not spelled out anywhere on Barclays or XXXX 's websites. This is misleading and unjust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had online banking now for a while but recently Truist took over and now I can't get anything done. Last time I tried making a payment and it locked my account twice for no reason. Now it locked it again because it says I entered the wrong password. I entered the right password. Then it says I entered the wrong debit card number, when I was entering the right number. It said I had to call their customer service number. I was on hold for an hour and when I reached the customer service person she immediately hung up. Just like last time, they are telling me they can't help me unless I come into the bank.

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 2020-04-08
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I lost my job unexpectedly and could not make my payments so I ended up getting 6 months behind and I spoke with Chrysler about the issue was able to make a large payment to catch up the behind payments costing {$2700.00} in XX/XX/XXXX. I was able to make my XX/XX/XXXX payment at almost the double amount of {$770.00}, my payments are normally {$390.00}. I missed XX/XX/XXXX and XX/XX/XXXX and again I called Chrysler and made arrangements to pay weekly the amount of {$390.00} to make up any missed payments. It is now XX/XX/XXXX and I have not missed another payment and all payments have been made on time since XX/XX/XXXX but on my credit the loan is listed as " charged off ''. I have contacted Chrysler about this numerous times and no change, I have even contacted Chrysler executives to correct this. The car was never repossessed and I still have it and I am making the payments still. I didn't know it was charged off until I went to trade it in on another vehicle and the dealership wouldn't take it because it was a charge off. I can't get Chrysler to change the status to " paying as agreed, was a charge off '' or " redeemed repo ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I am continuing to receive information from Citi despite cancelling the account several months ago. The account was closed in good standing and balance is paid in full. My complaint is the following Citi is violate federal privacy laws by maintaining my personal information in their company database. 
Citi and their affiliates continue to harass me by sending spam postal mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: TX
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

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 2021-10-14
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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX XXXX. This is a major disappointment. My rights under the Fair Credit Reporting Act ( FCRA ) have been abused. THIS COMPANY HAS BEEN SENDING ME THREATS. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/2021 date VIA USPS certified mail. 

PORTFOLIO RECOVERY Last XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
So in the process of fixing my credit and applying for a car loan, I noticed that on XX/XX/2018 my Transunion credit bureau had lost points due to an unlicensed collection company ; XXXX XXXX XXXX XXXX for the state of Maryland was added. When I saw that I immediately checked ( XXXX XXXX XXXX ) to see if they were bonded in my state. The amount is for {$570.00}. Under the Fair Debt collection Practices Act ( FDCPA ),  I have the right to request validation of the debt owed.

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