BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
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've disputed two accounts on my credit report several times with Experian and they have not been able to provide closure on this matter. I've sent several letters of validation to the creditors as well and has yet to receive anything validating this date. I've disputed with XXXX  and XXXX  and both have resolved my issues. I'm requesting CFPB assistance to have Experian follow suit and delete these accounts from my credit report. 

XXXX XXXX Bank account # XXXX SCA/Rooms To Go account # 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 2021-04-01
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This a new complaint about the following complaint XXXX. On XX/XX/XXXX, I received a letter from the law firm of Love, Beal, and Nixon, P.C. stating that I owe XXXX XXXXXXXX XXXX XXXX with the original creditor being XXXX XXXX, XXXX. The letter stated that I owe XXXX XXXX XXXX XXXX {$7600.00}, which is no longer valid. I listed this debt on my Chapter XXXX Bankruptcy on XX/XX/XXXX, and my Chapter XXXX Bankruptcy was discharged on XX/XX/XXXX. I responded with a letter stating that this debt is no longer valid due to Chapter XXXX Bankruptcy and to contact my attorney XXXX XXXX. I received another on XX/XX/XXXX from Love, Beal, Nixon, P.C. stating the debt is valid and still trying to collect money for the debt. I called Love, Beal, Nixon, P.C. to tell them to stop contacting me. I spoke with a male account manager who was very rude and would over talk to me. He kept stating that debt was valid because it is a student loan. I explained to him that it was a credit-based private student loan and NOT a federal student loan. The account manager said that he would contact my attorney. I feel like this debt collector is trying to take advantage of me and violating the Fair Credit Reporting Act. The credit-based private student loan even shows discharged from Chapter XXXX Bankruptcy on all three credit bureaus. I believe Love , Beal & Nixon , P.C . is being dishonest and withholding information or documentation. Also, I believe the law for violating federal law by harassing and contacting the consumer. The law firm stated that they checked and my private student loan was not discharged in my chapter XXXX bankruptcy? What did they check?

Company 's Response : Love , Beal & Nixon , P.C . ( LBN ) represents XXXX XXXX XXXX XXXX XXXX XXXX, A Delaware Statutory Trust in a civil action filed against XXXX XXXX XXXX on a defaulted student loan obligation. LBN acknowledges the bankruptcy filing by XXXX XXXX XXXX. However, LBN has confirmed there was no adversary action filed within the bankruptcy proceeding. As a result, the student loan obligation has not been discharged by the bankruptcy proceeding and our client has given us authorization to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am refinancing my mortgage. I started the process with Quicken Loans. The initial disclosure was what I expected. The final disclosure was drastically different with less cash out, I wanted to know why so I read it. 

They added on discount points ... however my rate was the same, no discount. They had me at a 4.5 % rate with 2 points at about {$7000.00} tacked on. So not only was the rate above average at the time, but they were also charging me for it. 

I went to another company and got a lower rate with no points. 

The reason for my complaint? 

1 ) They added it on at the end 2 ) The discount points are supposed to be bought in an agreement for a rate discount, there was none, I was given that rate which was above average and was never asked if I wanted to pay points to lower the rate. 

Is it illegal to charge discount points on a mortgage when the client is not made aware, and no real discount is given for paying said points? 

It seems like what would be an illegal practice to charge discount points without giving the discount on the rate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: U.S. BANCORP
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from XXXX XXXX Mastercard informing me of changes to an account I never opened. 
They fraudulently opened an account called XXXX XXXX Mastercard without my permission apparently back in 2017. 
The employee on the phone would not provide me with information about closing the account or resolving the issue.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2023-02-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter in the mail from BMO Harris Bank in late XXXX, XXXX, that stated I had opened up a new account for a BMO Harris Bank Platinum Rewards MasterCard ending in XXXX. I had never even heard of BMO Harris Bank until this point, and was not in the market for a new credit card and did not request new credit nor apply for new credit. 

I then received in the mail a letter from BMO Harris Bank stating that a balance transfer request was made on the new account. Again, this is not something I had requested. 

I finally received a third letter from BMO Harris Bank indicating there was a {$7700.00} balance transfer on this account along with {$310.00} in fees. 

I have called BMO Harris Bank now XXXX different times to discuss this matter. All XXXX  times, they kept transferring me around to different people, finally stating that I needed to go to a physical bank branch of theirs to verify my identity so that they could close the account and mark it as fraud. However, I don't live anywhere near a branch, and find it very concerning that they let someone else open a fraudulent account in my name, yet can't seem to close the account without me driving XXXX hours to a branch. 

I have also reached out to all XXXX credit bureaus to let them know of this fraud, and have frozen my credit report until further notice so that nothing else can be done. However, my credit score has dropped significantly because of this issue.

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 2018-06-05
Company: Avant Credit Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I made an extra online payment of XXXX on XXXX and my regular auto payment of my monthly payment is still pending. This was supposed to go to principal and then i looked today they took out XXXX of INTEREST Payment Breakdown Below : Principal {$1200.00} Interest {$290.00} Fees {$0.00} This was a PRINCIPAL PAYMENT in addition to a monthly payment. If there is no pre-payment penalty why am I being charged interest for an extra Payment??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: MO
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:
Experian is retaliating against me for filing these complaints. I do not ask for money but rather just fix my account which I have worked so hard on by myself to fix it. Experian keeps saying working on the issue then 2 months later closes the complaints. You stole 17 months of on time never late payments to XXXX and won't put back on but yet you want to negotiate to lower my XXXX bill your leaving me no choice. Look at the evidence I present not to mention the double bank account and all the other problems with my account

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent a letter certified mail to XXXX XXXX XXXX asking for 1. Validation of the debt- that is the actual accounting 2.Verification of a signed invoice 3.A copy of the contract binding both parties ( myself XXXX XXXX, and XXXX XXXX XXXX ) however according to 15 USC 1692 E,15 USC 1692 D,15 USC 1692 D-May not use language or symbol of any envelope or in the contents of any communication effected by the mail or telegram that indicated the debt collector is in the debt collection business or that the communication related to the collection of debt

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 2023-07-18
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
The JPMorgan chase & Co is not following the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROMIBITION ( A ) Reporting information with actual knowledge of errors 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 inaccurate.

As Defined by the IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax Return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By Definition The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account JPMCP CARD, ACCOUNT # XXXX as a debt is inaccurate. 
15 USC 1681 s-2 Says you JPMorgan chase & Co are a furnisher of information to a consumer reporting agency.

YOU ARE PROHIBITED BY LAW to furnish inaccurate information. so they should delete account JPMCP CARD, ACCOUNT # XXXX FROM MY XXXX, XXXX, XXXX and to consumer reporting agencies. 

this is the tracking number # XXXX and attached file to show proof of violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: JPMORGAN CHASE & CO.
State: NY
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/23 someone withdrew the amounts of {$150.00}, {$120.00}, {$61.00}, {$100.00}, and then a purchase of {$15.00}. I didn't even realize my card was missing until the following evening. I immediately called Chase to file the claim. They gave me a temporary credit of {$430.00}. Today, XX/XX/23, they said they're reversing the amount on XX/XX/23 because it was processed according to information I provided or it was authorized. I called them to dispute that because for all the years I've had that account I have never used a non-chase atm. I refuse to pay a fee to an atm plus chase. They said repeatedly they couldn't do anything else. I paid a fee to have a new debit card sent and went to the bank to create a new pin. I have read I shouldn't be responsible for more than {$50.00} as I reported it within 2 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2022 In Accordance with Fair Credit Reporting act Convergent Account : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has Violated these laws : 15 U.S.C 1681 Section 602 ( A ). States I have the right to privacy.

15 U.S.C 1692 ( C ) ( A ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, 15 U.S.C 1692 ( B ) ( 5 ), not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S.C 1681 Section 506 ( A ). Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681a., report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please note by law that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) .Be advised that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I'm keeping a careful record of your actions, including your Method of verification. I do not consent to E-Oscar or any means of automated verification. If you can not verify within the 30 day time period, you must delete all accounts from my report.

-Please remove all accounts that are not METRO TO COMPLIANCE.

-Please add a professional Suppression to my credit file.

Failure to respond satifactorly within ( 30 ) days of receipt of this letter may result in small claims action against your company.

seeking {$5000.00} per violation for : 1. ) Defamination 2. ) Negligent Enablement of idenity fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury

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 2023-01-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for a XXXX XXXX American Express XXXX. There was an introductory offer that if I spent at least {$1000.00} dollars I would receive XXXX XXXX XXXX points. I made a purchase of {$1800.00} and paid for this charge, therefore fulfilling my obligations to receive XXXX points with XXXX XXXX. However, I have been unable to access these rewards points to make a hotel reservation. On numerous occasions I have contacted American Express about this problem. They have indicated that, due to some unknown reason, there was no hilton honors account number associated with my american express card. They then gave me a temporary password jand account number and instructed me to log on with the provided account number and temporary password and then I would be able to access my account and my rewards points. However, each and every time I attempt to do this I recieve an error message and I am unable to complete the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Bank of America about an unauthorized hard inquiry made on XX/XX/2021. Bank of America has no information about this inquiry or personal data. Therefore, they can not remove this hard inquiry. I have asked the reporting credit bureau to remove the hard inquiry but they will not because Bank of America must contact the reporting credit bureau for removal.

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 2020-03-27
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Commonwealth Financial attempting to collect on a debt that is not mine. This company reported that this account was opened on XX/XX/2019 and reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX, Account number : # XXXX XXXX  XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have closed the loan on XX/XX/XXXX and the credit union took out our monthly payment on the XXXX of XXXX. I have contacted them by phone on the XXXX of XXXX and they told I should receive the the refund within a couple of days. I also sent at least 3 emails to the mortgage to department and I have never had any responses. So I called the office again on XX/XX/XXXX and I spoke to a women in a different department. She was able to contact the correct department and they told her the payoff funds showed up on the XX/XX/XXXX. As of today I haven't received my refund.

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 2022-04-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I deposited XXXX checks totaling {$1500.00} in an ATM at a TD Bank in XXXX XXXX  XXXX. As of today, XX/XX/XXXX, XXXX days later, TD has not deposited the funds into my account. My account shows that this matter is pending. I called the TD Customer Service Line and was told by a representative named XXXX that there is an extended hold on the checks. Further she said that there was no explanation as to why these funds were held up. 

One of the checks was from XXXX XXXX Bank for the overpayment of a mortgage I had with that bank. Theres absolutely NO REASON why a check from a known financial institution in the XXXX XXXX  XXXX XXXX area should raise any flags or should result in any delays in the funds being placed in my account. 

The fact the second check from an insurance company deposited at the same time, is also being held, means that TD bank caused the delays. What is that likelihood of two checks drawn from two sources would both have issues justifying delays.

Company response to consumer: Closed with explanation