BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: Affirm 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following Legal Notice to TransUnion Credit Reporting Agency via email and incoming certified return receipt mail AFFIDAVIT OF TRUTH I, XXXX XXXX XXXX, aka XXXX XXXX XXXX, aka XXXX XXXX swear upon the penalty of purjury that the forgoing information is true and correct. 

Pursuant UCC 1-308 .6 my right to seek Remedy and Recourse Pursuant Section 1681 ( o ) authorizes a consumer to recover actual damages including mental distress and humiliation even if the consumer has suffered no out of pocket losses Defamation of Character Faults and Misleadings Title 15 Sub Section 11 Violating my rights it is a crime to deny me the consumer to access my own credit.

UCC 1-103.6 I have the right to sue TransUnion Sincerely in good faith and with clean hands UCC 1-308 without prejudice all rights reserved, XXXX XXXX XXXX XXXXXXXX household

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 2021-10-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX I received an offer from Chase to refinance my existing mortgage held with them. I submitted the online application and received a follow-up call from XXXX XXXX where she quoted a 30-yr fixed loan rate of XXXX a full point lower than my current loan that made it an easy decision to proceed with the refinance. The same day I submitted all requested documents and received the mortgage commitment letter on XX/XX/XXXX. On XX/XX/XXXX, I received a call saying that my HELOC with XXXX XXXX  would have to closed in order for the refinance to proceed. The explanation given was that XXXX XXXX is refusing to perform subordination. The same day I called XXXX XXXX and they were surprised by Chase 's claim and didn't have any records of Chase requesting subordination and in general, don't have any issues conduction the subordination process. I communicated back to XXXX and she promised to follow up with underwriters. On XX/XX/XXXX, I received an email from XXXX XXXX again asking if I made my decision to close HELOC. Again, I asked for a reason why it should be closed. This time the explanation is given was that Chase guideline restricts subordinate financing with a prepayment penalty. I asked for an explanation of how the prepayment penalty would come into play but was told to set up a call with their manager for an explanation. I sent two emails to see when manager XXXX XXXX is available to discuss but never heard back. On XXXX I received a voicemail stating that the subordination restriction is not set by Chase but by XXXX XXXX policy and Chase can not proceed with refinancing unless I close HELOC. Given that this is a regulatory policy, I asked for a policy excerpt referenced in this decision hoping to find an explanation of how the prepayment penalty would come into effect if I'm planning to keep HELOC open but received no response. On XXXX, I received a call from XXXX XXXX, again pressuring me into closing HELOC, and was told to lookup XXXX  XXXX XXXX policy online if I need further explanation. Followed up today XX/XX/XXXX but received the same no answer. 

As a result of Chase 's incompetence, deceptive practices, and, more importantly, indifference I am no longer able to secure a loan with other lenders with the same terms which I could potentially suffer financial loss for the next 30 years. 

Keep in mind that I am Chase 's long-time customer, with an existing mortgage through them, with perfect credit history, steady employment, and sufficient funding. This begs a question, what would be the faith of someone else less qualified asking Chase for a home landing?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
About 7 years ago someone stole my wallet with my bank card and social security card in it. I was banking with Wells Fargo at the time and I reported it stolen, the person tried to pass a bad check and Ive been on the XXXX XXXX list ever since & Ive even paid money back to the bank and still havent been allowed to open a account, every bank denies me and XXXX XXXX  even let me open a account about a year ago I had it for 2 weeks I received a deposit from my job and they still ended up closing it because of this fraud that took place my identity was stolen

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 2021-10-11
Company: WELLS FARGO & COMPANY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2021-10-12
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing and challenging Respectfully XXXX, XXXX and Equifax on the issues of debt collections and Charges Offs of XXXX XXXX of unknown debts of {$6000.00}, XXXX XXXX unknown debt Collection Charge Off of {$6200.00} and XXXX XXXX  Charge Off of {$10000.00}. 
I don't have Auto Loans or loans with none of this companies and I don't owed them this debts. 

Also there is Bankruptcy on my XXXX that needs to be deleted, this derogatory item is not on my XXXX or Equifax credit XXXX. Why is this Negative items are on my credit report.. 

I am XXXX Lifetime, XXXX. XXXX, XXXX and XXXX are trying to collect from my XXXX XXXX pension. income and Violating my XXXX XXXX Civil Rights Act  under Department of Justice. 

Companies and XXXX, XXXX and Equifax has been sharing my information with other financial institutions and companies without my Consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing and challenging Respectfully XXXX, Transunion and XXXX on the issues of debt collections and Charges Offs of XXXX XXXX of unknown debts of {$6000.00}, XXXX XXXX unknown debt Collection Charge Off of {$6200.00} and XXXX XXXX Charge Off of {$10000.00}. 
I don't have Auto Loans or loans with none of this companies and I don't owed them this debts. 

Also there is Bankruptcy on my Transunion that needs to be deleted, this derogatory item is not on my XXXX or XXXX credit Reports. Why is this Negative items are on my credit report.. 

I am XXXX Lifetime, XXXX. XXXX, XXXX and XXXX are trying to collect from my XXXX XXXX pension. income and Violating my XXXX XXXX Civil Rights Act under Department of Justice. 

Companies and XXXX, Transunion and XXXX has been sharing my information with other financial institutions and companies without my Consent.

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 2022-11-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX request XXXX received a check and cashed it. Someone tell me where the funds are. When I call XXXX will not speak to me. Ive logged hours and at this point its mental distress, emotional distress and financial distress. 

This dispute has 2 parts Original account is mine however fraudulent activity occurred as I experienced Identity there. I went through the fraud process with target when it happened. The account sat dormant until recent on my credit. I dont owe it HOWEVER I PAID IT. Again I PAID IT. Attaching a front and back copy of the cashed check. 

Where is my money. 
Why are you reporting charge offs after it was paid. Per experian the reporting was suppressed then reporting began XXXX of this year. 

I request someone call me as Ive did all I can do on my own and I am fully prepared to file suit and go to the media as this is rediculous. Someone is half doing there job and its going to cost you if someone doesnt make an effort to resolve with me and that can be a phone call. This impacts, reg b, fcra, fdcpa, ftc as a fraud case was filed, Ive sent fraud forms and police report showing the identity AND I PAID EVEN THOUGH I DO NOT OWE IT AND NO ONE WILL RESEARCH THE PAYMENT. FINAL ATTEMP TO RESIDE BEFORE HIRING LEGAL COUNSEL AND I WILL ASK XXXX  TO REIMBURSE LEGAL FEES.

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 2020-03-06
Company: EQUIFAX, INC.
State: IN
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 believe my credit file was involved in the Equifax breach and my entire credit file is blank with them, leaving me with a poor credit rating and score number, keeping me from acquiring much needed credit to improve my file. I am not able to access my report or score for Equifax online or by phone, due to the fact the information on the file is either incorrect or not there at all. I have sent documentation to Equifax 2 times to get this settled and still nothing has changed. I wasnt even aware of the breach until i heard it on the radio. I have taken time over many years to clear and dispute many fraudulent items on my file to then have such a grievance with the main reporting agency. The embarrassment and challenges I've had to go through cant be fixed with money. Id like my file, report, and score recovered somehow. My score has improved with the other reporting agencies but not with Equifax. Horribly upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CITIBANK, N.A.
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:
XX/XX/2019 Amount : {$1900.00} in accrued interest payment to home depot credit services. 

I'd like to start out by saying that I have perfect credit on several accounts for over a 20 plus year history. Back in XX/XX/2019, Home Depot hit my bill with an accrued interest/promotional balance payment that increased my minimum payment due significantly. I called Home Depot credit in XXXX and they agreed to let me pay the promotional balance and, in return, they would remove the accrued interest. It was not made clear to me at the time that I had to pay the promotional balance on the spot for them to remove the accrued interest charge. I was under the impression that they would remove the interest charge and that I would pay as I normally do and had some time to pay the promotional balance. I pay this bill automatically through my bank and because of this accrued interest charge that they agreed to remove ( but did not ), my payment was less than the new minimum payment they calculated. They reported me to the credit agencies as having a late payment 30 days. I want it removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion and XXXX continue to allow fraudulent names and addresses to remain on my account. I am unable to dispute this incorrect information ( identity theft ) because the personal identifying information you are prompted to submit either by their online services or over the phone I am unable to provide because they are requesting information that is not mine.

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 2023-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I sent a transfer to a friend from my bank ( Bank of America ) to my friend 's bank ( XXXX ) through XXXX for the total amount of {$3500.00} dollars and the transfer was frozen. 
I called my bank ( Bank of America ) which explained to me that it was blocked by the Treasury Department and that I had to make an application with them ( Treasury Department ) to unlock the funds. 
I made an application to unlock the funds with the Treasury Department, 6 months later the Treasury Department answers me explaining that they are not have information of this transfer and that I need to contact the bank that has the frozen funds to be ensure that they are blocked the funds or not. 
My friend calleds his bank ( XXXX ) and they told them that they ( XXXX ) have the money, but my bank ( Bank of America ) must request it back. 
I call my bank ( Bank of America ) and i made a claim and my bank said that 1. That the Treasury Department has the money. which I proceed to send a fax to my bank ( Bank of America ) with the letter I received from the Treasury Department. 
2. That XXXX doesn't want to give him the money back. 
I made a claim through from Consumer Protection to finance to XXXX and XXXX agrees that they ( XXXX ) have the money and that my bank ( Bank of America ) must request it back, that they can not do it because I am not a client of XXXX and that I can not do it individually that it has to be my bank ( Bank of America ) then I proceed to send a fax to my bank ( Bank of America ) of the letter that XXXX sent to the financial consumer protection and I called my bank to told him to send him a fax with XXXX XXXX letter and they told me that the treasury department has the money. 
So who has my money and how can I get my money back? 
this was been more than a year since I dont know anything and I've been no able to get my money back if my bank ( Bank of america dont want to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, my checking account with Bank of America had four fraudulent, unauthorized charges. I used the appropriate channels and reported the fraud immediately. Four days after the claim was filed with Bank of America, on XX/XX/2019, Bank of America had closed the claim ( Claim ID : XXXX ) and stated the charges were authorized and posted correctly. 

I discovered that a new debit card was sent to an address in XXXX XXXX, CA that does not belong to me two days prior to the withdraws. I do not know how the criminal was able to convince Bank of America to send a new debit card to an address I've never used before, but this is how the fraudulent activity was initially enabled. 

According to the checking account statement, the withdrawals in question were made in the city of XXXX, CA and the Bank of America representative claimed there was video evidence that confirmed my identity making the fraudulent withdraws. They further added that they compared the footage in XXXX with local footage taken from my frequented Bank of America location to arrive to this conclusion. 

I was not present in XXXX, CA the day of these withdraws and can confirm an alibi with my place of employment if Bank of America divulges the time these withdraws were made. 

Bank of America has declined to show me the video footage, and have referred me to the XXXX XXXX Police Department so that the footage can be released to them and investigated. A police report ( Incident No. :  XXXX ) with the department was created on XX/XX/19. 

This police report along with a letter requesting re-opening the claim has been faxed to Bank of America and have since agreed to review the case. However, they have given a window of 4-12 months to complete the investigation, which is unacceptable considering the circumstances and lack of evidence placing me at fault. 

Bank of America has not sent me any official correspondence outside of a small notification with their online banking website. I do not have any documents informing me that they have re-opened the case, nor do I have any means of inquiring further into these fraudulent 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 2023-12-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent dispute to all 3 credit bureaus in regard to the same information, that they are all reporting in correct information and to provide documents that show proof of validation, I have not received any or a correction. I have asked each XXXX, XXXX, and Equifax rep how each creditor verifies the information. Each agent advises that when you dispute and it comes back verified, the creditors only check the last four digits of your social security number, first and last name, and a code number. I do not understand how validating any debt with partial information about any individual is acceptable. Since you do not want to follow the laws for the credit reporting agencies regarding section 1006.34, Notice of validation, I am now requesting the credit reporting agency to validate the debt you claim to be verified and correct. According to FCRA section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] a ) Information on file, sources, and report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section I have the right to request the credit reporting agency for a copy of the original contract that I have signed from each creditor that you claimed to be valid, correct, and verified. As a credit reporting agency, you have signed an MOU ( Memoranda of Understanding ) with government agencies to receive and integrate credit information ( data ) from voluntary subscribers into your respective database. This Memorandum of Understanding ( MOU ) is entered into by and between the undersigned credit reporting agency ( from now on referred to as Credit Agency ) and Federal agency ( hereinafter referred to as the Government ). This MOU is entered into to carry out the purposes of the Debt Collection Act of 1982 ( DCA ), as amended by the Debt Collection Improvement Act of 1996 ( DCIA ) and codified at 31 U.S.C. 3711 ( e ), which governs Federal agency reporting of debt information to credit reporting agencies. This MOU is consistent with the implementing guidelines of the DCA and DCIA, including the Federal Claims Collection Standards ( 31 C.F.R. 901.4 ), OMB Circular A-129, and the Treasury Guide to the Federal Credit Bureau Program.

Company response to consumer: In progress