BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
principal reduction not applied correctly, overcharged interest, see attached document for details requested an audit, got nowhere with request, refused to audit account pg 4 shows where the errors are, with marks in the margin

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On  XXXX   XXXX ,  XXXX  I made an appointment with a local branch of the Bank of America in  XXXX , NC in reference to a refinance home mortgage ( 15 years fix rate  ) . During the interview process, I presented all of the required documents along with authorization of  credit score check. Once initial application was completed and reviewed by the loan officer  NMLS ID :  XXXX  she advised that everything looks great and I should n't have any problem at underwriting etc for official approval of the loan. She requested my credit card information for an appraisal that she wanted to order right away and credit run fee total of {$540.00}. I asked her twice can you please make sure everything is correct and the estimated value she defined is realistic. She further assured me that her estimates are the worst case scenario and even if something changes we should be alright. About a month into the process an appraisal was completed and a report was generated which came close to a realistic value that was also available on  XXXX  and other websites. All of a sudden my application disappeared from the BoA website, and I made contact with loan  officer  but was unable to get a hold of her. About 5 days later she sends me an email stating that she not sure what had happened to my application and she will advise once she finds out what happened. Next day she sends me an email saying your brother does n't have enough established credit so that is way your application is denied . ( FYI,  my brother paid {$8000.00} in student loans in  XXXX  and a car loan of {$12000.00 } )  I asked her to please explain to me why all of a sudden she realized that my brother does n't have enough credit because she had all of the information during the initial application process. She ran the credit and carefully looked through and said you guys have excellent credit. She asked for more time and advised she is working very hard to get my loan approved. Few days later I received a letter from BoA stating apprised value came low and that is why the loan was denied.     I do n't understand why the l oan officer and BoA responses are so different from each other. I believed loan officer de cision to over estimate my home and had me pay for the appraisal shows lack of knowledge and bad business practice. I lost {$540.00} and still do n't know for sure what took place and why I have been denied.

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 2022-03-10
Company: JPMORGAN CHASE & CO.
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:
On thursday XX/XX/2021 I received a chase fraud alert text message stating that chase had declined a charge for {$74.00} for XXXX and asking if I had made the charge. The text stated I would not be charged unless I authorized the charge of {$74.00} again. I replied exactly XXXX minute later stating I did not make the charge. I received a second text message that my credit card would be closed out immediately, a new one would be sent to me and instructing me to review the charges on my card, which I did, and I called in to report the fraudulent charges, which included a charge for {$74.00} which somehow made it on my statement despite the fact that chase said it declined the charge and I advised chase immediately by text that I did not authorize or make the charge. I have since called in approximately XXXX more times because the charge has not come off, and it has been more than XXXX months since I initially texted with their fraud team and more than XXXX months since I called in to officially report it as fraud. I am getting charged interest and fees on the charge, even though I pay the rest of my bill off each month. Every time I call in I get a new story.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
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: Account information incorrect

Complaint:
I have a charge off with XXXX XXXX for {$150.00} and one with XXXX XXXX for {$950.00} across all three credit bureaus. This car was declared as flooded and totaled by my insurance company and fully paid of for over $ XXXX I was only responsible for $ XXXX of the leased amount. I have reached out many times to ask these two companies why this is a charge off on my credit report I never received a 1099C to claim this on my tax. Can you please help to get removed I exhausted all my other options already with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
US Bank sent me a letter in the mail indicating that they were going to close my credit card account due to lack of use, and that if I wanted to keep the account open, to reach out to them. I no longer needed the card, so I let it expire, and I got a letter notifying that the account had been closed. 

A long time later, by surprise, I got two cards to activate. So when I called the customer service line to find out what those cards were about, they told me that they re-opened my account 15 days after closing the account. They claimed to have sent me a letter notifying me, but I recall no such letter, and 100 % did not approve any such account re-opening. 

Luckily, there was no activity or fraud, but I assume this affected my credit score in a negative way to have lines of credit left unused that I did not approve to have opened. 

It also seems like a very bad business practice, so I figured I'd report 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive been repeatedly dealing with the same issue for several months now and the reason why I am constantly contacting Consumer Reporting Agencies from the start, is to inform them multiple times that these incorrect and inaccurate accounts shouldn't be added nor placed on my credit report : 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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sold my XXXX XXXX lease to XXXX on XX/XX/2021. After that, XXXX delayed sending the payoff amount to XXXX XXXX which I was not aware of. When XXXX finally sent the final payoff amount, it was XX/XX/2021 but by that time I was already charged for late payment for the month of XXXX. This dropped my FICO score by roughly under 200 points. 
I called XXXX XXXX to inform about this issue once I found out. They requested a fault letter ( attached below ) from XXXX saying the vehicle was not in my possession post XX/XX/2021 and the reasoning behind their delay. I had to physically go to XXXX more than 3 times to get this letter done and had multiple iterations to update based off of what XXXX XXXX wanted to be written on the letter. 
Once the final iteration was completed after XXXX included all the information that XXXX XXXX asked for, they still said it wouldn't work and they wouldn't fix the credit reporting. I have spend 2 months on fixing this issue and tried to include all the information that XXXX XXXX asked for but yet they still said they wouldn't fix it at the end which is tremendously frustating. Especially since how significantly it effected by FICO score. XXXX made me go through all the hassle to have XXXX prepare the letter just to say they wouldn't fix the issue even though they said they'd fix the reporting once I had the letter from XXXX. I know XXXX XXXX has mostly one start reviews and this was just a prime example of why. 
I have been emailing all the information to a personnel, XXXX who was handling the credit information to XXXX XXXX XXXX department. She only called after each email to add additional information that they'd require but never responded to my emails due to legal restrictions according to her. It has been months since my credit has been effected by this but I was unable to get any help in fixing thing from XXXX XXXX even though it wasn't at my fault. 
XXXX has been compliant in getting the letter written but again, it was XXXX 's delay that led to the negative affect on my FICO score. 
This delinquency was only reported to FICO and not the others which was also a little bit strange. So I am hoping this get resolved soon as I have filed a dispute with TransUnion. 
I have also attached below the letter I have sent to TransUnion for the dispute with all the related information.

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 2023-01-18
Company: Maximus Education, LLC dba Aidvantage
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX XX/XX/2022, I submitted a refund request for the loan payments I made after the XXXX student loan payment pause. I was initially informed it would be XXXX to XXXX weeks for processing. After XXXX weeks, I called to check on the repayment and was informed it would be now XXXX to XXXX weeks for processing. I asked to check on my status and was informed that they would have to transfer me. Then the phone hung up. After XXXX weeks had passed, I called to ask what the status was and they informed me that it could be more than XXXX weeks. I asked to get more details on my refund status and again was told that they would have to transfer me. Again, the phone hung up. I called back and asked to get my details. Yet again, they transferred me where the call ended. I called again and told them that I want to talk to a supervisor. I was told that they would transfer me to an account XXXX and just hold. This time it was successful. 

The account XXXX provided conflicting information. She said that she could confirm that the request was sent to the Department of Education on XXXX XXXX and that there is nothing else they are involved with. The account XXXX informed me that she heard that the Department of Education is now sending them out in the mail. And then asked to confirm my address. I asked why does she need me to confirm my address if there is nothing more on their end is to be done with the refund. I asked her to provide documentation on payments being only made via mailed checks and told her that I was always informed that it would be deposited in the checking account that I used to make the payments. I did not receive any documentation substantiating her claims. 

It took XXXX tries to reach an " account XXXX, '' and only after requesting to speak to a representative. All the previous times they literally hung up on me after telling me that they would transfer me. When I asked for a direct number to an account XXXX early on in my calls, I called a number and it went straight to either voicemail or non-functioning number ( can't remember which, but the result was the same -- no help ). And they continually increased the time range for receiving my refund. And this was only after I called to ask. And then tell me things that they were unwilling to provide written documentation to back up their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX  XXXX ACCT # 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 an account without my written instructions.

I already tried to reach out with the Credit Bureaus regarding these collection issues with but is still not being resolved.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Experian is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2021. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report.

A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this, I did NOT give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

I am trying to get business funding and this incorrect information is directly harming my ability to do so.

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 2017-05-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My stepmom has a savings and checking account. Before leaving for a prolonged trip in  XXXX   XXXX ,  2016,   she had in saving accounts at t Wells Fargo  {$5300.00}. In checking account, as of  XXXX   XXXX , had {$9500.00}. Through an  XXXX   XXXX  account of unknown origin, a total of {$14000.00} was removed from checking account and {$2700.00} was removed from saving account.  Wells Fargo  gave back {$6500.00} from checking account and {$1700.00} for saving. When asked about the rest of the m oney, Wells Fargo manager sa ys that they are not responsible for it because we did not enquire about missing money until past the 60 days. My stepmom was out of town for  8  mo.s and did not internet access established.   There is still over {$8600.00} missing from her account for wh ich Wellsfargo does not take responsibility for, stating that it was past60 days that we notifie d them.

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 2022-04-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently disputed an amount on my credit report because the balance is XXXX but stated the account is still open. Experian deleted my entire XXXX XXXX  account. That is incorrect and will affect my credit score. The account is still open

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 2023-06-11
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: Personal information incorrect

Complaint:
I would like to emphasize that these addresses and names are unfamiliar to me, and I have never resided at any of the mentioned addresses. Therefore, I request that you promptly investigate this matter and remove these inaccurate details from my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you provide. Please note that the presence of incorrect addresses and names on my credit report can potentially harm my creditworthiness and hinder my ability to obtain credit or financial services. The only address i would like on my credit report is XXXX XXXX XXXX XXXX XXXX, tx XXXX kindly request that you initiate an investigation into the inaccurate information and take appropriate action to rectify the issue. Furthermore, I would appreciate receiving a written confirmation once the incorrect addresses and names have been removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I just completed a chapter  XXXX  bankruptcy that included the    XXXX   XXXX      home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX   XXXX   home loans should now read closed. zero balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: MD
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:
ACCORDING TO THE FCRA I DON'T RECOGNIZE THIS ITEM THERE FORE, THEY NEED TO BE REMOVED/DELETED FROM MY CREDIT REPORT DELETE THESE INQUIRY XXXX XXXX XXXX ( REMOVE/DELETE FROM CREDIT REPORT ) THESE HARD INQUIRIES I DID NOT AUTHORIZE THESE HARD INQURIES, THIS IS DUE TO FRAUD AND IDENTITY THEFT! ACCORDING TO THE FCRA I HAVE RIGHTS PLEASE REMOVE THESE OFF MY CREDIT REPORT IMMEDIATELY

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