BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-04
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Two years ago, Mr. Cooper doubled my mortgage payment almost telling me I had a huge escrow shortage. I filed, thinking it was my taxes went through the whole process with the XXXX XXXX only to find out that my taxes werent the problem. Mr. Cooper was double texting me I spoke to Mr. Cooper and they fixed it now to years later in XX/XX/2022 I get a letter that my mortgage payment is going up almost {$700.00}, I immediately called them because theres no way I have an escrow shortage they told me that they look into it In XX/XX/2022 they called me and told me that the taxes were incorrect and they would be adjusted in XXXX when I went to make the payment nothing was changed. I called them back and they told me it takes time the end of XXXX still no change my payment I called them back. They told me that they would look into it again and never got a response back in XXXX. I called same problem. My taxes are doubled and they should not be theyre telling me I have an escrow shortage of {$4500.00} Which my annual taxes are only XXXX so does that mean you didnt pay my taxes for an entire year? What are you increasing? What are you charging me for they cant give me answers then they tell me that they look onto a website and thats how they see what the taxes are when I know thats a lie and they get a paper in the mail. I called my tax office and discuss it with my tax office. They gave me a breakdown of all the taxes I intern called Mr. Cooper back again to go over the taxes and explain to them that theyre overcharging me and I want my money refunded and my taxes fixed. I still have not heard back and discuss it with my tax office. They gave me a breakdown of all the taxes I intern called Mr. Cooper back again to go over the taxes and explain to them that their overcharging me and I want my money refunded and my taxes fixed. I still have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally file a complaint and request the immediate removal of several fraudulent items that persistently appear on my credit report. These fraudulent items have been inaccurately affecting my credit score and financial reputation. The fraudulent items include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This account has never belonged to me, and I have never authorized any transactions or services associated with it. It has been fraudulently reported on my credit report, and I request its immediate removal. have never had any dealings with this account, and it has been fraudulently reported without my consent. I demand that it be removed from my credit report promptly. This account is entirely fictitious and has been added to my credit report without any legitimate basis. It is imperative that it be removed to prevent further damage to my creditworthiness. 

I have taken several steps to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items, and filing a police report. I have also initiated a fraud alert with the credit bureaus to protect my credit file from further unauthorized activities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you investigate and rectify these fraudulent items on my credit report immediately. Under the FCRA, you are required to investigate disputed information within 30 days and inform me of the results. If the information is found to be fraudulent or inaccurate, I request that you provide me with an updated credit report reflecting the removal of these items.

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 2023-02-08
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:
In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX, XXXX. Original creditor : XXXX XXXX XXXX Account number : XXXX this company has violated my rights reporting wrong information 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 2021-10-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried using my card at XXXX it kept declining. My friend paid with his debit card from chase and it worked. They sent a letter the very next day XXXX XXXX stating that I cant use my accounts and that they would be closing soon. They also stated in the letter if I wanted to keep my accounts open I should call a XXXX number and every time I called the number I got misinformed. They restricted my accounts because of 2 forms that I submitted twice when opening the account and again on XXXX XXXX. They didnt look over what I submitted before freezing my account. I was out of town and had a funeral & didnt have access to my funds for a week. When I called the 1-800 number XXXX XXXX I was informed that my account would be back open in 48 hours and that wasnt the case. I was misinformed the whole way and had to suffer financially and emotionally for something that was their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: LA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/2022, but it saddens me that no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to updated immediately : 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 2021-01-18
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
WAS CONTACTED BY CHASE BANK FOR A POSSIBLE FRAUDULENT CHARGE ON MY CREDIT CARD THEY HAD ALL MY INFORMATION ALREADY I TOLD THEM I DID NOT MAKE THE CHARGES THAT THEY WERE TALKING ABOUT SO THEY CANCELLED CARD ISSUED ME A NEW CARD THAT SAME DAY SOMEONE WENT INTO MY BUSINESS CHECKING ACCOUNT TOOK XXXX $ AND PAID DOWN ON A CREDIT CARD THAT HAD NO BALANCE NOW I HAVE XXXX CREDIT ON A CREDIT CARD LATER THAT DAY SOMEONE CHARGED THE CARD FOR APPROX XXXX INCLUDING FEES. I IMMEDIATELY CALLED AND REPORTED THIS AND AFTER A FEW DAYS THEY DENIED MY CLAIM.THIS ALL STARTED XX/XX/2020 THEY SENT ME A DENIAL LETTER WITH A XXXX XXXX AS CONTACT PERSON. I REPEATEDLY CALLED THE CONTACT # XXXX LEFT MESSAGES TWICE A WEEK FOR MONTHS NO RESPONSE. NOW FORWARD TOXX/XX/XXXX ANOTHER CHASE PHONE CALL BECAUSE THEY ARE TRYING TO VERIFY CHARGES ON MY ACCOUNT. I TOLD THEM I DID NOT MAKE THOSE CHARGES AGAIN CANCELED CARD AND MADE REPORT. ACCOUNT THEN GETS A CHARGE FOR XXXX. BOTH THESE CHARGES I DID NOT MAKE AND WERE REPORTED TO BANK ALMOST IMMEDIATELY TO NO AVAIL. I BELIEVE THE BANK HAS AN INTERNAL ISSUE SOMEONE IN THEIR COMPANY IS CREATING THESE SITUATIONS THEY JUST HAD TO MUCH OF MY INFORMATION. THESE CHARGES BOTH ORIGINATED IN XXXX AND THE PERSON [ S ] HAD XXXX ACCENTS.I HAVE TALKED TO MANY BANK EMPLOYEES AND THEY EVEN AGREE WITH ME THAT THIS IS FRAUD BUT YET THE BANK DENIES.I ALSO BELIEVE THAT THE BANK DIDNT GO FAR ENOUGH TO SOLVE MY ISSUE.IF IT WASNT FRAUD THEY SHOULD HAVE PERSUED JUST CANCELLING THE TRANSACTIONS. I ALSO SENT IN A WRITTEN COMPLAINT IN XXXX NO RESPONSE.THE BANK DIDNT HELP ME I DID NOT MAKE THOSE CHARGES REPORTED THEM RIGHT AWAY AND STILL THEY DENIED THE PROBLEM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Vericred Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I had debt collection company Vericred Solutions in XXXX XXXX Co report on my XXXX for the amount of {$1800.00} and I have never received any notification from this company let alone dont know who they are. I had pulled my credit on XX/XX/XXXX to refinance my home and I am the process until this showed up on my credit. I think if it was a legitimate debt I should have been giving the opportunity to dispute or pay. I will be hiring a attorney to resolve this matter. Companies like this need to be shutdown due not following the law. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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 Acct # XXXX XXXX XXXX XXXX, Acct # 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received 2 certified letters from Huntington Bank telling me that my accounts were being closed down. They didn't provided a reason. I went into a branch, they did not provide a reason and referred me to customer service. Customer service would not provide me a reason. 

I think it unjust to just close down someone's account without an explanation. I feel like I'm being made out to be a drug lord who launders money or something to that effect. I don't appreciate all the work that's now created for me, time and energy that would have been best spent elsewhere but now I have to deal with getting a new bank account and changing all my auto pays over. 

In short : I find this whole process very unprofessional and it's one thing from a mom and pop shop down the road, it's another for a huge bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for XXXX on XX/XX/XXXX seven day hold was placed, which is fine, funds are suppose to be available XX/XX/XXXX and now it's on hold until XX/XX/XXXX, how is that even possible? Not a foreign Check! Informing me they are closing my accounts with no details provided

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Goal Structured Solutions, LLC
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
The loan is not accurate. I have never taken out a loan with this company before. The loan is being reported on my credit with all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX  breach and may have got into the hands of the wrong person.

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 2022-10-17
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The company had an unannounced " planned '' outage that made their online systems unusable. I have incurred late fees since and most recently they have closed my account with no reason or authorization on my behave. I have reached out to multiple representatives with no success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX am XXXX XXXX XXXX and I have two dependents that I claim every year since they are born. I am a single mother and do this all on my own. I'm certain that you have received numerous of complaints as I am bring forth to you this evening. I'm aware and sure that this submission is has a big possibility of slipping through the cracks and I am never going to be provided the respect that everyone deserves. I'm coming to you today to let you know of the extreme mental decline status I have been put in by the number of times I have been ignoring, laughed at or made me feel as if this world would be better off without my presents. At this point I really do believe that my kids would much more financially stable if I were eliminated at this point. I have attempted so many times to request assistance from three credit bureaus to help my children and I. On XX/XX/2023 my mother passed away and she was the one who honestly believed that I was a true asset to this world and never gave up on helping me and my kids out. I have delt with multiple suicidal attempts that have been evaluated by actual licensed medical professionals and have been diagnosed multiple times only to have my application for XXXX be rejected for reasons unknown. Now that my mother is gone from here, I'm here and feel so alone. I live a life that is going to be acceptable in any legal standards to provide for my XXXX XXXX  and have done everything possible to keep them at my side. My credit report paints a picture of someone that is not me. There are things on my credit report that I have contested over and over again. Only for them to continue to terrorize me and my life. I am one step away from being placed out in the street and I honestly to God do not have anyone that I would be able to turn for help. That's one of the most scariest things I have swollow and accept at this point of my life. How do you sleep at night? Because I have not had one good nights rest since I can remember. My past adolescent life is something that I had to foresee and I have learned very much so from. This does not mean that these companies take that and assume I am the same kid I was years and years ago.. something has got to give. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
on XX/XX/2023 an account was opened in my name without my permission with XXXX XXXX  i never applied for this account and never used this account. it was opened fraudulently i called the company and they said its in there system so i had to pay account number XXXX the amount {$430.00}

Company response to consumer: Closed with non-monetary relief