BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We reached out to Bank of America in XXXX, XXXX  regarding re financing our home because the house was in foreclosure. We received a letter from BOA, stating we were eligible for assistance and an application would be sent out. We received the application, completed it and mail to them with requested info. I called BOA to see if application was received and it was. The next week I called to find out status and more info was requested. I faxed the info to them. I called to see if they received it and it was received. While waiting for letter regarding the status of application a letter was taped on our door XX/XX/2018, stating we had to vacate house within 3 days because the house was sold in an auction. We were very devastated. I call the acct manager and she told the house wasn't sold, I told her about the notice we received. The manager told me I needed to speak to the foreclosure department. She transferred me to them and I was told I needed to speak to the acct manager, I call acct manager back and she told me to call foreclosure attorney. I called the attorney and was told they only do paperwork for BOA and to call the acct manager back. They were all passing the buck causing the ball to be dropped. No one assisted me. I need to know why. We purchased home in XXXX and fell on hard times throughout the years. We reached out to Bank of America for help to keep our home and we were deceived and misleaded by Bank of America. Thank you for looking into this complaint and let us know our rights regarding this matter. If you need additional information, please call me at XXXX. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 called Equifax XX/XX/XXXX at XXXX. I requested to speak with the fraud department and was told that I was speaking to the fraud department. I made this request several times and each time I was told I was speaking to the fraud department. 

I requested the removal of XXXX unauthorized inquiries to be removed : XXXX XX/XX/2023 XXXX XX/XX/2023 They had just completed the removal from the same company XX/XX/2023. I was told there would be an investigation of up to 30 days to correct the item. 

At this point I requested to speak to a supervisor and was asked why I was making the request and I stated I needed more help after waiting XXXX minutes to speak to a supervisor without that goal being achieved I left the call. 

the same day I was told that the investigation was completed and given the confirmation # XXXX for the completed investigation. 

The investigation was completed in less than one day, actually within XXXX hours and the inquiries still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: NV
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:
There are 3 accounts that aren't mine and I have disputed them in the past. Against the FCRA, they keep reporting and need to be 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 non-monetary relief
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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 status incorrect

Complaint:
This Company is reporting late payments on my account. 
In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy 15 USC 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction under 15 USC 1666 B 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 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 2022-03-09
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 have two accounts with XXXX XXXX XXXX XXXX that are being reported erroneously and making my credit utilization 80 % at this time. 

All three bureaus are reporting these two accounts with wrong current balance and also monthly payment status. 

XXXX  XXXX XXXX -- {$21000.00} XXXX XXXX XXXX  XXXX -- {$310000.00} The above indicates the current balance for both accounts as of XXXX XX/XX/2022. These account errors are negatively affecting my in the banking system and credit evaluation and monitoring.

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 2023-12-18
Company: EQUIFAX, 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:
Hello, I have had to dispute the same account 4 times. They have a balance sitting in collections as a charge off for an item that was included in a XXXX XXXX which was discharged XX/XX/2020. They have updated it a few times and it keeps coming back. They are in violation of the bankruptcy automatic stay and the next step will have to be obtaining counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Called amex XX/XX/23 - Asked for late fee {$29.00} to be waived due to their application updates removing username/password/notifications Asked amex XX/XX/23- were XXXX waived- mailed billing statement versus email - manager said they would investigate Asked amex XX/XX/23- were XXXX waived - agent said was not investigated, no way to follow up, no way to guarante follow up Asked amex XX/XX/23- is this a sudden policy change - amex says yes we no longer waive first time fees Asked amex XX/XX/23 - {$29.00} fee on {$88.00} in purchase is 33 % fee - excessive junk fee that Biden is fighting against XXXX can a manager waive the fee Asked amex XX/XX/23- why no notification, why no paper statement in compliance with XXXX protections- agent says she will file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax has placed an account XXXX XXXX on my account. This account is not reporting accurately. It is a requirement to report completely and accurately. Please update the error from 120 days to OK status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: NC
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 XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: Mortgage Research Center, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I submitted an inquiry to Veterans United Home Loans to get an idea of closing costs and current interest rates. A XXXX XXXX called me to talk about our options in regards to a VA IRRRL. I stated that I just wanted a quote on current rates and to know what their fees were. XXXX  stated Veterans United does not charge any loan fees other than prepaid items and if points are needed. He stated that he could send me a loan estimate without a hard credit inquiry, that they call it a "mortgage inquiry." I asked several times after this if this would effect my credit score and re-stated that I did not want to do a full credit pull. He reassured me and said he just needed a "mortgage inquiry" to send us an estimate of fees. About an hour later I received mortgage prequalifcation email from Veterans United   asking for documentation for a loan application that was being processed. I then received an email from XXXX XXXX saying there was a new hard inquiry on our credit report. XXXX XXXX, NMLS ID #XXXX, fraudulently filed a mortgage application and ran a hard credit inquiry without permission. This is mortgage fraud!

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 2020-07-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These companies are reporting inaccurate information. some of the dates and amounts don't match across all credit agencies. They have also violated the privacy act of by furnishing my information without my permission. The fact that my credit reflects my student loan information is also a violation of the XXXX XXXX Rights and Privacy Act ( FERPA ). there should only be one address on my credit report in XXXX, Ga all other addresses should be removed. the rest are NON DELIVERABLE ADDRESSES. There should only be one phone number on the account ending in 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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2019-12-17
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no legal binding accounts with this company. Had no information with this company or accounts

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 2020-07-15
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: Account status incorrect

Complaint:
Company XXXX XXXX XXXX , XXXX is reporting I was late XX/XX/XXXX thru XX/XX/XXXX, I was never late. This account should have closed in XXXX. XXXX XXXX have kept this account open for 5 years to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: TN
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:
SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN CREDIT FRAUDULENTLY. I WOULD LIKE THESE ACCOUNTS TO BE REMOVED FROM MY FILE

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 2019-08-06
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I received communication from XXXX XXXX, XXXX and XXXX XXXX notifying me of recent unauthorized credit inquiries. These inquiries occurred mostly from XXXX XXXX from multiple agencies. I am concerned as I feel an unscrupulous automobile dealer has done this. Please remove these inquiries. Companies noted with unauthorized inquiries include : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Additionally, I did not authorize the following credit inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the XXXX going through it, unfortunately I was robbed at knifepoint while picking my dog up from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, XXXX  I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-11-02
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX XXXX Inquiry Privacy Violation and Defamation of Character To Whom it May Concern ; Peace and blessings on to whomever is reading, I am writing this letter in reference to the fallacious XXXX XXXX Inquiry discernibly furnished on my consumer report on XX/XX/XXXX. This fallacy came to my knowledge on XX/XX/XXXX and due to this fallacy and many others like it, I was discriminated against and refused for the following ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Increase In reference to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

At this moment, I am clearly and conspicuously notifying your organization of the fact that I have never consented to having any information being furnished on my credit report. Also, there is no law which states that I, as a consumer, is required to have anything reported to my credit report. In addition, due to the severity of the role that this organization plays in my livelihood, this fallacy has terribly affected me mentally, physically, emotionally, and spiritually. 

According to 15 USC 1681 ( a ) ( 4 ), There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Within the construction of this consumer report, there wasnt any regard for my right to privacy since I did not receive any adequate notice asking me for my consent to have this inquiry placed on my report. 

I beseech you to provide the evidence that this information was properly solicited as well as the details of your system used to determine if this inquiry actually transpired. 

In connection with 15 USC 1681 ( a ) ( 2 ), it is stated, An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Due to the deceptive furnishing tactics employed by your company, not only has my credit standing been damaged, but also my reputation as a consumer has suffered due to the inquiry placed on my account showing that I was not approved of the extension of credit. This has left me with societal, financial, and emotional damages which leaves your company liable to 15 USC 1681o. 

At this moment, I offer your company the right to rectify these infractions with the following actions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: LA
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:
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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I sign for a car for a family member in 2015 with Santander.. the car was sent back without my con sent.. Santander fail to reach out to me.. its on my credit report.. I contact them numerous of time for a year and half and was told that XXXX XXXX the person sign with me told them Santander to not contact me.. Santander told me three different occasions that they were sending me information via email and mail.. I have yet to receive it.. they have been ignoring for months now.. it need the car off my credit because they fail to communicate with me.. its hinder me from buying a house..I did everything right on my end..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Early Warning Services, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/2022 ZELLE XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$100.00} {$1200.00} XX/XX/2022 ZELLE XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$100.00} {$1300.00} XX/XX/2022 ZELLE XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$50.00} {$1400.00} XX/XX/2022 ZELLE XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$100.00} {$1400.00} XX/XX/2022 ZELLE XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$50.00} {$1500.00} NONE OF THESE WERE AUTHORIZED. I have no idea who these people are. Zelle evidently do not provide or offer any SECURITY OR AUTHORIZATION CHECKS to confirm that the account holder is making the payments or aware that they are being made. Zelle was submitted 4 complaints to go over the transactions that completed. 3 more were blocked by my credit union.

ZELLE is a PROBLEM and they need to be shut down or regulated or FINED so that they don't provide a service that involves finances without any security measures whatsoever. 

I would like to file charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I'm requesting CFPB to assist me in the removal of old outdated reporting by chase bank. They have told me they would continue reporting it even being outdated and expired statue. I'm in my 60s there reporting this is keeping me from being the best I can by doing this they are stopping me from being accepted in assisted living centers and other areas of my life, its almost like they are flexing there power to control my life, and selling of this outdated info to reporting agencys and third partys is affecting my life & health. I have sent letters requesting this to take place but received nothing Thank you

Company response to consumer: Closed with explanation