BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Due to privacy concern, I will not disclose my legal full name, my credit card account number, my home address, and my social security in the report unless CFBP and Chase ask for it. 

I was trying to dispute with Chase about unauthorized purchase ( merchant name is XXXX XXXX with the amount of {$35.00} on XX/XX/, 2019. 

I made a dispute online on XX/XX/, 2019 with Chase. 

As of today XX/XX/, 2019, Chase has not placed a temporary fund {$35.00} to my credit card while Chase investigating my dispute. 

I tried to contact Chase via XXXX on XX/XX/, 2019 for asking temporary refund and Customer Service Rep refused to do it. 

I tried to contact Chase again on XXXX XXXX, 2019 at XXXX and Customer Service Rep refused again to place temporary refund to my credit card. 

I tried to contact Chase again on XX/XX/, 2019 at XXXX and Customer Service Rep refused again to place temporary refund to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Frontier Airlines Mastercard in the mail and a separate letter from Barclays saying that their attempts to reach me by email were unsuccessful.

I did not apply for a credit card from this company.

When I called to try to cancel the account, I did not want to give them the last four digits of my Social Security number because I was afraid of fraud ( given that I did not apply for this card ). They refused 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 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The credit bureaus said they dont have contracts that i signed and they contacted the creditors and they say the information is verified. How can they verify my derogatory accounts if they dont see physical proof that i signed a contract. The credit bureaus or the creditor has not presented a contract for any of my derogatory accounts that i supposedly signed for. Every account that i disputed has to be deleted according to the Fair Credit Reporting Agency. They are violating my rights.

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 2023-05-23
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: Experian Information Solutions 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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2018-04-18
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I began making mortgage payments to Nationstar Mortgage Property Servicer, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, after my loan ( with a modification ) was transferred to them XX/XX/XXXX, from XXXX XXXX  XXXX XXXX. All previous mortgage payments, from the date of purchase of my home in XX/XX/XXXX, were made to XXXX XXXX   XXXX XXXX. My bank records verify payments from XX/XX/XXXX through XX/XX/XXXX, to Nationstar, at which time they transferred my loan modification to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Ut XXXX. Nation star has refused to credit my XXXX mortgage payment as a XX/XX/XXXX payment ; and passed my loan on to XXXX as Missing a payment for XX/XX/XXXX ; in spite of records sent to them verifying my payments from XX/XX/XXXX through XX/XX/XXXX. I see this as a scam by Nationstar to pilfer/steal funds from me, by having me pay a second XX/XX/XXXX mortgage note. This behavior is debt collection fraud ; and I seek redress and resolution to this criminal activity by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: Account status incorrect

Complaint:
Purchased XXXX XXXX XXXX XXXX XXXX  from XXXX, XXXX CA XXXX XXXX. Purchase financed through XXXX XXXX, XXXX. I have been battling with XXXX over title documents. The dealership has failed to provide necessary title documents to transfer title and lein holder. In XX/XX/XXXX XXXX sold loan back to XXXX. I never missed a payment, or been late. XXXX has reported this account as derogatory. The account is closed paid as agreed. The transfer of this loan has nothing to do with me or my standing under the contract. I have disputed 3 times with Experion and twice with XXXX XXXX. The payment schedule in my report remains inaccurate as well as remarks and account status. I am on the verge of financial ruin due to XXXX false reporting.

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 2021-10-02
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Within 3 months, I received 3 different annual escrow statements instructing me to pay 3 different mortgage amounts On the XXXX of XX/XX/2021, I received an annual Escrow disclosure statement, informing me that my payment will increase to {$2000.00}, beginning on XX/XX/2021 Then on the XXXX of XX/XX/2021, I received another annual Escrow disclosure statement, informing me that my payment will increase to {$2000.00}, beginning on XX/XX/2021 Then again on the XXXX of XX/XX/2021, same year, I received a third annual Escrow disclosure statement, informing me that my payment will increase to {$2100.00}, beginning again on XX/XX/2021 Has it become a tri-annual Escrow disclosure statements?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I paid fee to secure this personal loan, this is a told scam and I paid way and above what I should have paid, they keep hitting with all kind of fees, when I cancelled my loan request, they have not returned my fees, fee are in the amount of {$11000.00}.

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 2021-10-02
Company: Experian Information Solutions Inc.
State: NC
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:
The credit reporting agencies are reporting false and misleading information. They do not have the proof or documentation to prove that the account that they are reporting as late is late. You have violated my rights on many occasions within this incident. I would like the late payments to be removed immediately or litigation will filed in small claims court.

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 2022-12-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The problem is- Barclays cashed a payment check in amount of {$170.00} and did not credit the account. They have also ignored communication asking them to apply the credit. Essentially, they cashed the check and kept the money. 

In case Barclays responds with we credited the account for {$170.00} I want to clarify something please. XXXX payments of {$170.00} were made. XXXX were electronic via the Barclays website. The third was a check. The XXXX electronic transactions went through as expected, on XX/XX/XXXX and XXXXXXXX XXXX. The third ( the check ) was cashed by Barclays on XX/XX/XXXX but not applied to the account. 

If that is all the information you need you may stop reading. : - ) However, here is further background in case it is relevant This is the third time something like this has happened with Barclays! It can no longer be called a coincidence. I am concerned that this could be happening to other customers too, who might end up paying Barclays twice. I know thats what would have happened with my elderly mother. ( She is the primary on the account and I am an authorized user. ) She would have sent a second check for {$170.00}. However I am assisting her affairs now so I was able to catch it. 

Similarly to the recent missing {$170.00}, the other XXXX times this happened a check was cashed but then the money seemed to disappear. Both times it was difficult and stressful getting Barclays to finally acknowledge the checks and credit the account. Were talking persistence being required. Phone calls and letters and waiting more phone calls and letters ( that they would say they never received ) and more waiting. My XXXX XXXX XXXX mother had to be involved in making some of these phone calls before it could finally be resolved. 

( I should add that the phone number, address of where to send correspondence regarding errors as well as the fax number were accurately obtained from the bill itself. ) Alas, after the first XXXX problems with Barclays, my mom insisted on sticking with them so she could keep on earn points. Which brings us to the recent missing {$170.00} Over the past XXXX month I have sent XXXX faxes, each with images of the cashed check and a request to please credit the account. Barclays has not responded. This time around I wanted to avoid the phone calls and letters because previously those methods sent me in time consuming frustrating circles. 

An additional aspect of this problem is that I think it is unfair to put an elderly woman in a situation where she is expected to navigate complexities in order to get her payment credited. I see this as perpetrating financial fraud against an elderly person, or anyone for that matter. 

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 2023-05-19
Company: Experian Information Solutions Inc.
State: GA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX XXXX Account Number:XXXX 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.

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 2021-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We lost {$80000.00} to wire fraud as a direct result of negligence and malpractice exhibited by Bank of America. Our mortgage broker told us it was OK to send the remaining down payment to a fraudulent account before we even had a a clear to close. 

Furthermore, BOA was an obstacle in our attempt to recall funds. They refused to follow FBI protocol in submitting an LOI with a fraudulent wire recall. They labeled it as scam and not fraud. We have received no communications, assistance, or confirmations from BOA Saying that they will attempt to recall our funds. 

BOA refused to process our mortgage correctly and as a result we are at risk of losing our earnest deposit of $ XXXX as well. They can not get the application passed the underwriter and they can not provide any reasons for the delay. XXXX says it's because the underwriters are overworked and there is a shortage. We are past our closing date of contract. 

I will lose {$110000.00} of my own personal money because I chose to work with BOA lending. XXXX XXXX, XXXX XXXX, XXXX XXXX all refused to handle this correctly. 

BOFA ignored the norms of the industry they work in, they are negligent in their work and my assets were stolen from me as a result.

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 2020-05-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXL XXXX  XXXXDispute U.S. DEPARTMENT XXXXF EDUCATIONUnder Dispute U.S. DEPARTMENT OF EDUCATIONUnder Dispute XXXX XXXXUnder Dispute XXXXUnder Dispute

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 2023-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX is a victim of Identity theft. These companies ( XXXX, XXXX, and Equifax ) utilized /furnished my consumer report without my authorized consent, or written instruction. My personal information was shared, presented and furnihed without my consent. Congress has stated that consumers have the right to privacy. These companies listed above, has violated my federal protected right to privacy. Failure to meet the needs of congress has had a negative impact. The companies listed has not exercised their responsibility to confidentially protect my personal information. The Fair credit Reporting Act was generated to enforce that the consumer reporting agencies provided fairness, and respect to the consumers right to privacy!

Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, Identity, and statement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have been working on my credit for almost a year and have been sending disputes to XXXX, XXXX, and transunion since XX/XX/XXXX but, as of today ( XX/XX/XXXX ) I have yet to receive one letter back from any of the credit bureaus. I don't understand how these people can ignore the law so blatently and how you, the government, which works for me and from my tax dollars refuse to do nothing. I have sent the credit bureaus dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That's 6 seperate disputes 45 days apart to each of the 3 bureaus and NOTHING back, not a peep! How are these companies allowed to function and circumvent the law this way! I have spent almost the entire year sending dispute letters with not one letter back! I want you to do your job and force the credit bureaus to obey the law, the fair credit reporting act clearly states that if the credit bureaus do not do their job and complete their investigation within the proer guidelines, they are supposed to delete the disputed information from my credit reports. Please have XXXX delete the incorrect social security number ending in XXXX, incorrect social security number ending in XXXX, and have XXXX, XXXX, and transunion remove the following incorrect accounts from my credit reports : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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

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 2020-07-06
Company: DISCOVER BANK
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:
The following accounts are due to identity theft and need to removed and blocked immediately. I have attached a copy of FTC Report and Police Report to this correspondence. 

The following fraudulent accounts need to be removed and blocked immediately under FCRA or legal actions will be taken against XXXX. These accounts were opened by someone who stole my identity and use my information without my permission. I am requesting for XXXX to block and remove these fraudulent accounts immediately within four day of receiving my FTC report. 

1. XXXX XXXX Account # XXXX Balance :  {$3600.00} 2. XXXX XXXX Account # XXXX Balance : {$3700.00} 3. XXXX XXXX XXXX Account # XXXX Balance : {$550.00} 4. XXXX Account # XXXX Balance : {$3000.00} 5.DISCOVER FINANCIAL SERVICES Account # XXXX Balance : {$8600.00} 6.DISCOVER FINANCIAL SERVICES Account # XXXX Balance : {$5500.00} 7.XXXX XXXX XXXX Account # XXXX Balance : {$28000.00} XXXX Account # XXXX Balance : {$3500.00}. 

Under FCRA, XXXX has four days to remove and block these accounts. If not, I will reporting your company to XXXX XXXX, Consumer Financial Protection Bureau as well as my Attorney General Office due to your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You use my report inaccurately and have not validated correct information regarding my report i have listed all the consumer laws you have violated i ask you that you remove this account is department of education XXXX in accordance to my consumer rights

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-08-13
Company: EQUIFAX, INC.
State: KY
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 XXXX XXXX {$420.00} and XXXX {$1000.00} 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 response to consumer: Closed with explanation