BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A tax refund from the State of California, Franchise Tax Board was deposited by ATM on XX/XX/19 into a joint account. The check was properly endorsed by both myself and my wife, the co-payees. Bank of America immediately placed a hold on the funds ( many thousands of dollars ) on XX/XX/19 and refused to make any of these funds available until XX/XX/19. The person I talked to at BoA said that the hold was placed because this check, from the State of California, would not clear. Futrther, the deposit receipt on Sunday XX/XX/XXXX states, without any basis in fact, that " specific information indicates item may be returned. '' This is all FALSE. Rather it seems clear that BoA kept these funds for an inordinate time for its own use and benefit and likely has a pattern and practice of doing 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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-03
Company: PRESTIGE FINANCIAL SERVICES 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: Report provided to employer without your written authorization

Complaint:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures XXXX result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was affected by the recent Federal Government Shutdown that lasted 35 days. I had no income coming in at all, all my expenses have became delinquent. I recently requested mortgage assistance with my mortgage servicer Caliber Home Loans several times for several months to bring my mortgage current and keep my home. I have remitted mortgage payments by XXXX XXXX and my payments were rejected by Caliber Home Mortgage and returned to me. As of XX/XX/2019 I have resubmitted my request for mortgage modification with financials.Received correspondence from foreclosure attorney dated XX/XX/2019 XXXX XXXX XXXX foreclosure attorney stating my property is set for property foreclosure sale XX/XX/2019. The deliver notice for the certified letter XXXX XXXX XXXX was delivered by mail XX/XX/2019 was available for pick up post office XX/XX/2019 I wasn't given a 30 business days notice excluding weekends and holidays as required by Tennessee State Law. Tennessee Code Annotated T. C. A. 35-5-107.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2021-11-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX : ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited a payroll check into my business account which is with Fifth Third bank. A few days later I attempted to check balance with mobile app and I was not able to log into account. Customer service stated that I will have to speak to fraud department. The bank also froze my personal account without my consent or authorization. Fraud department stated that they will not release funds that I have in my personal account. 

My consumer rights were violated under 15 USC 1692e, 15 USC 1692c, 15 USC 1692d,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Summary : I am a holder of the American Express XXXX XXXX XXXX credit card. The card comes with one free night award valid for 12 months after issuance, good for participating XXXX hotels for redemption level at or under XXXX XXXX XXXX points. This free night award certificate was deleted from my account before expiration date. I had been given the runaround when I tried to call to follow up and not going anywhere. 

What happened : XX/XX/XXXX American Express charged me {$450.00} annual fee for the American Express XXXX XXXX XXXX credit card. I paid this fee on my card. 


XX/XX/XXXX The XXXX XXXX XXXX points free night certificate was deposited into my XXXX XXXX account, expiration date XX/XX/XXXX. Please see attached email in complaint. 


XX/XX/XXXX I called into XXXX XXXX to have the free night certificate extended as I was not able to travel last year due to all the covid travel restrictions. XXXX XXXX customer representative told me that I would get the XXXX year extension as a one time courtesy. However, she ran into a system error, and the cert was deleted from my account. A case was opened on my behalf to have a cert with one year extension reinstated in my account. Case # is XXXX. 


XX/XX/XXXX I got an email from XXXX XXXX from XXXX XXXX Customer Care, saying the he was not able to extend the expiration of the cert. This contradicts what we were told from the customer rep. There was also no mention of the cert that has disappeared from my XXXX XXXX account. 



XX/XX/XXXX I called into XXXX XXXX to follow up on my missing certificate. A different customer representation reopened my case ( Case # XXXX ) and told me I have to wait for someone to resolve the case. Meanwhile I can not use the cert still since it is missing from my account. 

How I would like the matter to be resolved : There are two options for American Express to go from here : 1 - Please refund my {$450.00} fee that was charged on my American Express XXXX XXXX XXXX credit card on XX/XX/XXXX as the promised free night award certificate is not available for me to use 2 - Please reinstate the free night award certificate in my XXXX XXXX account with the one year extension promised by the customer representative. I had gone on trips while the certificate was missing and I had to pay out of pocket for my hotel stays as I was prevented from using the certificate as it was not available to me. I would like to have the one year extension as promised to be made whole since the certificate was unjustifiably deleted from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: SC
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:
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 2023-01-27
Company: EQUIFAX, INC.
State: CA
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:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. 
XXXX XXXX XXXX Balance {$78.00} Equifax Mortgage Ser XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$3500.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Shell Point Mortgage services this account now owned by XXXX XXXX XXXX in Delaware. 
When calling into their service # ( XXXX ) XXXX you can not pay towards your principal balance only the balance or interest payment. When I have held for their associates and attempted to pay towards my principal it does not get applied to the principal and is logged in as partial payment, XX/XX/2018 I called into pay {$270.00} but only {$240.00} was taken by the Shell Point associate, I started getting collections calls even though they state to me due to my Bankruptcy they are not collecting the debt? I called back XX/XX/2018 to pay the additional {$30.00} to find out the {$8.00} was not applied to my principal and this is not first time this has happened. I called XX/XX/18 spoke to two different Shell Point Associates who stated it was my fault and refused to transfer me to a manager. The two calls took place around XXXX XXXX CST. I was just left on hold or transfer back to hold que each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian not add my address to my credit report and talk to 10 agents and 15 agents And I give hard time add my address to my credit report I talk to dispute office and they wont not help update my credit report and put my address on there And I sent my state Id and my spectrum bill over to them and my address still not on there and they lie too my they told wait 24hours to 74hours and nothing fix my account it been like this since to XXXX  in XXXX and they still not help resolve this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: MA
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:
In XXXX of 2022, somebody fraudulently applied for a XX/XX/XXXXXXXX credit card using my name and social security number, resulting in a hard inquiry on XX/XX/XXXX to each of the credit reporting agencies ( XXXX, XXXX, Equifax ). 

I contacted XXXX XXXX on XX/XX/XXXX, they agreed the credit card application was fraudulent and cancelled it. 

I filed disputes with the credit reporting agencies to remove the hard inquiry. XXXX agreed this is identity theft and removed the hard inquiry from my credit report. Equifax, however, said 'this is a factual statement of access ', and refused to remove the fraudulent inquiry from my credit report. ( XXXX asked me to mail in a written dispute ; I haven't yet heard back. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-09-14
Company: JPMORGAN CHASE & CO.
State: CA
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:
CHASE BANK BILLING AND TRANSACTIONAL CONTRADICTIONS : AS NOTED BY CONSENT ORDERS WITH CFPB UNFAIR DECEPTIVE ACTS OR PRACTICES POLICY FILE NO XXXX AND FILE NO XXXX A XXXX BALANCE ACCOUNT : XX/XX/XXXX CHASE BANK STATEMENT XX/XX/XXXX THRU XX/XX/XXXX, BALANCE {$0.00} TRANSACTION ON XX/XX/XXXX XXXX XXXX XXXX CHARGE OFF XX/XX/XXXX CHASE BANK BRANCH BALANCE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX, BRANCH XXXX CHASE BALANCE INQUIRY AT CHASE BANK BRANCH ACCOUNT NUMBER ENDING XXXX  BALANCE {$0.00} WITH RECEIPT A {$39.00} BALANCE ACCOUNT : XX/XX/XXXX LETTER FROM CHASE BANK THERE IS A BALANCE DUE PAID CERTIFIED MAIL XX/XX/XXXX, BALANCE WAS XXXX. WE STILL HAVENT RECEIVED PAYMENT FOR YOUR PAST DUE BALANCE OF {$39.00} PLEASE SEND US YOUR PAYMENT AS SOON AS POSSIBLE. FIRST AND ONLY LETTER RECEIVED CONCERNING A BALANCE?

45 DAYS LATER YOU RECEIVE A BILL FOR THE CHARGE OFF AS IT IS NOW A BALANCE ON A CLOSED ACCOUNT. THE ACCOUNT IS CLOSED. CHASE REOPENS THE ACCOUNT TO ADD OR CREATE A BALANCE AND THEN BILL IT AS DELINQUENT OR NEGATIVE CREDIT REPORTING?

HOW OR WHY WOULD, THAT HAPPEN?

CREDIT REPORTING CONTRADICTIONS : 4 CHASE LETTERS REGARDING XXXX XXXX XXXX REPORTING AND IT STILL IS NOT REMOVED, HOW LONG DOES IT TAKE FOR CHASE WHO HAS A BUSINESS RELATIONSHIP WITH XXXX   TO SEND A DIGITAL TRANSMISSION TO REMOVE THE REPORTING THAT YOU FURNISHED?

IT DOES NOT TAKE 30 DAYS AND IT DEFINITELY DOES NOT TAKE 7 MONTHS PLUS.

CHASE TAKES ADVERSE ACTION WITHOUT INFORMING THE INDIVIDUAL THAT YOU DID REPORT IT TO XXXX AND YOU REPORT INFORMATION THAT YOU CAN NOT VALIDATE? XXXX  IS SPECIFICALLY FOR FRAUDULENTLY CLOSED ACCOUNTS OR ACCOUNTS CLOSED WITH A BALANCE IN COLLECTIONS ONLY.

CHASE STATES IN YOUR LETTERS WE ASKED XXXX TO REMOVE YOUR NEGATIVE ACCOUNT STATUS YOU MAY CONTACT XXXX XXXX XXXX TO DISCUSS THE REMOVAL OF THE NEGATIVE REPORTING CHASE STATES IN YOUR LETTERS THERE IS AN ACCOUNT CLOSURE CLOSED REPORTED TO THE XXXX XXXX XXXX ( XXXX ) WE HAVE SENT A REQUEST TO REMOVE THIS STATUS AS WE ARE UNABLE TO VALIDATE THE ACCURACY OF THE REPORTING YOU REPORTED, YOU ASSUME RESPONSIBILITY TO REMOVE IT, YOU ASSUME RESPONSIBILITY TO CONFIRM IT HAS BEEN REMOVED IN WRITING TO THE INDIVIDUAL.

XX/XX/XXXX CHASE LETTER XX/XX/XXXX CHASE LETTER XX/XX/XXXX CHASE LETTER XX/XX/XXXX CHASE LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called equifax to complain about a XXXX points dip in my credit score. The 2 reasons they stated for the drop, were positive changes and I was concerned. 
After my complaint they relayed to me there were some issues with my identity and I went through the process of authentication with them. 
Still no change as of XX/XX/2023 The last report that I can view and access is from XX/XX/2023. Equifax is denying me access to an updated version of my credit report and credit score. This violation is interfering with my right to know the content of my credit report in a timely manner and is causing harm to my credit.

Company response to consumer: Closed with explanation