BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: U.S. BANCORP
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been working with a debt consolidation company and paid off a negotiated settlement with XXXX XXXX and U.S Bank. The resolution has not been reported to credit bureaus. Furthermore, my loan officer told me the resolutions have not shown up on my credit report. I have repeatedly contacted the aforementioned financial institutions and I have either heard " there's nothing in our system '' or " the letter is in the mail '' or they direct me to other departments that have nothing to do with my issue. This has been going on for close to a month and nothing has happened and no letter has been received. This is effecting my ability to get a loan for a home with the lowest possible interest rate.

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: 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up for the CareCredit for a specific purchase that offers no interest if paid in time. I used the app to pay and paid the minimum amount that it indicated. It did not say anything about this amount being too low for the promotion or give me any notices on the app, or show an alternative amount to be paid. Other cards manage to do this just fine within their app. They say it is in the estatement, but I believe they are fully aware that most people use the primary page on the app to determine what is owed and find information. I think this is ann intentionally misleading practice to hide important information from the customer.

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 2023-02-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to the bankruptcy and charged off accounts that appear on my credit report. These accounts have caused me a great deal of distress, as they are preventing me from obtaining credit and moving on with my life. 

In XXXX, I filed for XXXX  XXXX bankruptcy ( discharged XXXX XXXX bankruptcy account ) as I was unable to keep up with my debts. Since then, I have been working hard to rebuild my credit, and I have been making steady progress. 

However, I have noticed that several accounts that were discharged in the bankruptcy are still being reported as charged off ( DEPT OF ED/XXXX XXXX charge off account, XXXX XXXX charge off account, XXXX XXXX XXXX XXXX charge off account, XXXX XXXX XXXXXXXX charge off account, XXXX  XXXX XXXX charge off account, XXXX  XXXX XXXX charge off account, XXXX XXXXXXXX charge off account, XXXX XXXXXXXX charge off account, XXXX XXXX XXXXXXXX charge off account, XXXX XXXXXXXX XXXX XXXXXXXX charge off account, XXXX XXXX XXXX XXXXXXXX charge off account ). These accounts should have been included in the bankruptcy and should no longer be listed as charged off. 

I understand that it can take some time for credit reports to be updated, but it has been several years since the bankruptcy was discharged, and these accounts are still causing me a great deal of trouble. I would appreciate it if you could investigate this matter and remove these charged off accounts from my credit report. 

I have been making every effort to rebuild my credit and improve my financial situation, but these accounts are hindering my progress. I hope that you will take my situation seriously and take the necessary steps to correct this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX I was charged over {$6000.00} for purchases I did not make. These charges were exponged by Barclays. They however continued charging my account for other items I did not make. They refuse to exponge these charges!

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 2022-04-05
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-07-07
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
I called Equifax to remove the consumer statement that I did not write or authorize Equifax to put on my Credit Report. Equifax refused to remove the information immediately and instead forced me to call them multiple times. Each time I called they were not able to verify me. Then when I did get an agent on the phone, I was forced me to provide my private information over an unsecured phone line. Equifax required me to state my full Social Security Number, Full Address and my Full Name. Then after providing this information correctly the agent required me discuss information about four creditors I had on my credit report. After completing this process the agent then without my permission repeated all of my personal information out load over the phone for anyone to hear around her or anyone who may be monitoring my phone from outside my home. Equifax is engaging in abusive behavior and requiring American Citizens to provide private information about themselves over unsecured phone lines in order to correct errors that are on our Consumer Credit Reports. Equifax is creating a security breach by recording the information which could be sold or used to expose my private information. Please require Equifax to verify American Citizens in another way in order to protect our privacy. Equifax has already violated our laws and must not require our Citizens to release our private information over unsecured phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: FL
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. 
Account name : 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
Consumer complaint received 2020-09-29
Company: JPMORGAN CHASE & CO.
State: TX
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:
Please allow me to preface that I am legally a XXXX person ( per the State of Texas, and per the United States Federal Government, I am classified as legally XXXX ), so I'm often not feeling well. That, in turn, prevents me from reviewing and managing my finances as others would.

I called Chase Bank when I noticed an abundance of unauthorized charges on my debit card. We reviewed my bank account, and noticed charges that went

back for SEVERAL MONTHS! The associates were all so very nice, and said they wer
e able to remove all the unauthorized charges from my accounts - those  refunds were applied to my account XXXX 2020. 

... 

But then on XXXX, I found that Chase Bank had REVERSED DOZENS AND DOZENS OF unauthorized charges back to my account! 

That includes : 1. ) 1 charge from XXXX XXXX, in Pennsylvania ( I reside in Texas!!! ) Totalling {$3500.00} ; I did NOT authorize that charge! 
2. ) 46 ... FORTY-SIX!!! ... Various charges from XXXX ; those were NOT authorized purchases! OVER {$2000.00} of my money has been stolen from me using Apple.com. 

All of which were charged BACK to my account! NEARLY {$6000.00} of FRAUDULENT charges were CHARGED BACK to my account! 

I called Chase Bank, and they indicated that certain unauthorized charges were not applicable to refund. They could not provide a clear understanding as to why those charges were not applicable. So they charged ALL of them back to my account! 

Please assist in ensuring that my account is properly refunded for ALL the unauthorized charges that have reappeared on my account! 

Thank you in advance for your wonderful help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RightPath Servicing has and continues to engage in Loan Servicing Fraud. RPS ( RightPath Servicing ) is misappropriating my mortgage payments by not applying them towards the contracted monthly mortgage payment as described in the mortgage agreement. RPS has deceptively created fees in order to create a false situation of payment distress. RPS is now attempting to implement a Loan Modification, simply for their own monetary gain. I have never requested a loan modification as one is not needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX, Account # : XXXX XXXX XXXX BANK XXXX Account # : XXXX XXXX XXXX  XXXX, Account # : XXXX 15 USC 1681 section 602 A. states I have a right to privacy.

15 USC 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not an account without my written instructions.

15 USC 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 7 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 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 non-monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, 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:
Equifax Dispute CFPB Complaint ID : XXXX The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesnt happen, the bureau is then in violation of the FCRA. It's been past 30 days and still no response from " Equifax ''. My complaint was submitted on XX/XX/. Please remove the disputed item from my credit file. " Equifax '' is in violation of the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TCF NATIONAL BANK
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had my mortgage with chemical bank which recently made the official conversion to TCF Bank. This complaint is in regards to TCF. I tried logging in online to make my payment at the end of XX/XX/2020 for my XXXX payment. I couldn't log in to anything. I tried again a few days into XXXX thinking maybe there was an issue with my conversion and it couldn't locate me. 

XX/XX/XXXX I called TCF and was waiting for just over an hour. They had a message that they were experiencing high call volume. I couldn't wait any longer on hold at work and decided to try again. 

XX/XX/XXXX my coworker stated that they bank with TCF and the account numbers never changed. They did have to reset their online banking. I tried unsuccessfully for 30 minutes to log in with my mortgage loan number, and my old checking account number. But despite my attempts, nothing worked. 

I called on XX/XX/XXXX and XXXX, both almost an hour and a half. I had to return to work. No one picked up and there's no way to leave a message either. 

I repeatedly tried to log in to my account online. I tried logging into my old way to make a payment as well. I'm currently on hold XX/XX/XXXX, and I've been on hold for over two hours with no way to leave a message and no one to respond. 

I work from XXXX XXXX  to XXXX XXXX  every day. I don't know how to get ahold of someone. I want to pay and I have the money, but there's no way to set something up. I'm afraid to mail in my check with an old account number because what if they don't apply it to the correct account? I just want to pay my bills. I can't go to a branch because I work during the hours they're open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-09-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 at XXXX my husband and I signed to close our refinancing documents with LAKEVIEW/XXXX XXXX XXXX XXXX  through TITLE 365, a notary public named XXXX XXXX came to our home in XXXX, CA. We were told beforehand by XXXX XXXX, the loan processor who took over from XXXX XXXX who was the mortgage loan originator to prepare a cashiers check in the amount of {$2700.00}, which includes the closing cost and the 1st payment for the XXXX XXXX COUNTY supplemental property tax of {$2500.00} which was due on XX/XX/2020. According to Ms. XXXX our loan will not be approved if this was not paid. By the way, our main purpose for this refinancing was to get our interest down from 4.75 % to 3.125 %. We saved enough that we could have paid for the 1st Installment of the Supplemental Property Tax without getting a loan. Now, today is XX/XX/2020, and this bill the 1st Installment is still delinquent since XX/XX/2020. And now the 2nd Installment is due tomorrow, which we are ready to pay but couldnt because these companies did not do what theyre suppose to do! I have called and emailed numerous times to numerous people in both the lender and the Title company to no avail. I have an email from a Ms. XXXX XXXX, closing manager at XXXX who told me that the Supplemental Property tax is in escrow. We dont understand all these legal mumbo jumbo, what we know that a tax bill remains unpaid which we gave them our own money to make payment for us, as they promised, but did not follow through. I gave them enough time to do resolve this matter but it seems that they dont want to do anything, they just went ahead and ran off with our hard earned money.

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 2022-08-18
Company: EQUIFAX, INC.
State: SC
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 times. I demand the accounts listed below be removed. 
According to 15 USC 1681 : I have the right to privacy AND I did not give Equifax written permission to furnish these accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation