BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX / XXXX RE : XXXX XXXX XXXX XXXX XXXX Our File No. : XXXX CFPB Case No. : XXXX Ive also received credit report and noticed a violation. Account number : XXXX I sent your company a debt validation letter. I then had a copy of my credit report pulled and noticed that your company did not mark my validation request as being in dispute. From my understanding, this is a violation of XXXX and it carries a fine of {$1000.00} per violation. 

Let me remind you that this is a statutory violation and it does not require me to prove damages. I can just simply hire a consumer rights attorney to bring suit for your violation. 

XXXX received a copy of a debt validation letter in XX/XX/2023 via certified mail. Your company and XXXX have violated the law. 

Im willing to settle this matter in the following way : ( 1 ). You agree to remove the inaccurate account from my credit within five days of signing this letter.

( 2 ). You also agree not to sell or try to collect this debt in the future.

( 3 ) .You also agree to not report any portion of this debt to the credit bureaus or any third party.

( 4 ). You agree to pay me {$500.00} for violating the FDCPA. If you agree to the above terms, please sign and date and mail me the check and a deletion letter to the address listed above. If you choose to ignore this letter, I will be exploring all legal options on this matter.

( 5 ) You agree to return the funds that were garnished and unauthorized to the bank account.

If this goes unresolved I will be hiring an attorney to sue for damages against these violations to the fullest extent. 
XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I disputed this item on my report it was removed a few months later it returned without warning. The law states that before adding an account back on your credit report that was removed the the reporting company has to give you a warning XXXX days before adding it back I did not receive no warning. Also I sent it documentation several times explaining this which they claim to have not received l. I want this account removed immediately!

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 2023-10-04
Company: Experian Information Solutions Inc.
State: LA
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:
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 and 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 2023-05-19
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: Information belongs to someone else

Complaint:
i was the victim of identity theft. i got an alert from experian that someone used my ssn to open up a bank account with a bank. regional finance and national finance companies ran my credit without my authorization. for all i know there could be new accounts with them on my credit reports

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 2023-08-27
Company: Central Mortgage Funding, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
Central Mortgage ( https : //centralmortgagefunding.com/ ) is giving knowingly fake loan quotes in a bait-and-switch operation. 

Company made unsolicited calls to me in early XX/XX/XXXX offering a home loan, apparently prompted by a credit pull by another lender. 

On XX/XX/XXXX, company offered a 30 year loan with a 7 year arm, 0 points, for 5.0 %, and a 30 year fixed loan for 5.875 %, 0 points. Confirmed in a PDF. 

I requested a loan estimate. They declined. I declined further dealings. 

Company continued contacting me. 

On XX/XX/XXXX, company again offered 5.0 % 7 year arm, 0 points. Again this was sent to me in a PDF that day. Twice. 

On XX/XX/XXXX, I informed them I had gone with another lender, since they were unwilling to provide their quote in a formal loan estimate. Company responded that they would be willing to try to beat that other lender. I invited them to do so, but that it needed to be in a formal loan estimate. 

On XX/XX/XXXX, Company responded " the best pricing I could find for you isa 5/6 ARM loan option with 6.625 % APR With you buying down 2 discount points. '' I inquired why the difference. In 5 days, with no additional information, the quote went from 5 % for a 7 year arm, 0 points, to 6.625 % for a 5 year arm, 2 points. 

On XX/XX/XXXX, Company responded : " So the First option I quoted you for was a typo I apologize it should have said 6.0 % APR. '' A typo can not account for receiving the same quote 3 different times. Even if true, it does not account for a change from a 6 % 7 year arm with 0 points to, just 5 days later, 6.625 % for a 5 year arm, 2 points. There was no notable change in market conditions in those 5 days. 

This Company has multiple reviews online indicating that their quote had changed midway through the loan process. The above fits that mold. 

This is harmful to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear sir, Recently, I received a letter from your companys branch office addressed XXXX XXXX XXXX, XXXX, FL XXXX ; even though it envelops suggested the different po box number address : Bank of America , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX . The letter indicated that I reported something with my Bank card ending XXXX as a request, even though I never reported and requested on it. Since I felt the strong will and necessity, I called the telephone number written on the sheet, XXXX, and I could not reach anybody. There was no sound another sound ; therefore, I will report to the federal. 

Sincerely,

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 2023-05-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I requested to update the inaccurate information which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and that another bureau has found to be inaccurate. You have 30 days to CORRECT the accounts listed below : XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}

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 2021-09-10
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:
Hi I wanted to know if you all can help me. There are still some accounts on my credit showing that are not mine. Im doing this on my own. Some of the accounts did come off and some inquiries but some did not XXXX XXXX and the inquiries that are not mine are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I called capital one on XX/XX/2023 XX/XX/2023 XX/XX/2023 and XX/XX/2023. They have a debt on my account for XXXX $ for a credit card for XXXX XXXX. they said i was authorized as a user but I NEVER DID THAT OR APPROVED THAT. please remove this from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NJ
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: DC
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention :

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 2021-09-20
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My son had a checking and savings account with Chime. He was killed in an accident XX/XX/XXXX. I contacted Chime XX/XX/XXXX via email ( their phone support is non-existent as all options ultimately culminate is directing one to send an email to their support team ). 

After providing proof of my relationship with my son ( guardianship, drivers license, and death certificate ) Chime issued two checks on XX/XX/XXXX for the balances in his accounts ( less than {$500.00} total ). After depositing both checks they bounced on XX/XX/XXXX, my bank told me insufficient funds, and I received a penalty fee for the returned checks. 

Today XX/XX/XXXX I contacted Chime and they told me they are not responsible for the bank fees, that the checks were sent to me in error, and they now need a Small Estate Affidavit to reissue the checks. 

As I've already provided the initial documentation they requested, I'm concerned if I provide any additional documentation why should I believe any future checks from Chime won't also bounce an incur additional fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Regional Management Corporation
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never applied for credit or authorized anyone to use my personal information to obtain credit from COMENITY BANK JUSTICE CREDIT CARD. I have no knowlege of ever owing this bank any money. I received a letter in the mail stateting that I owe {$530.00}. 
I have been notified through the mail by XXXX XXXX XXXX XXXX who is attempting to collect this debt. The original creditor is Comenity Bank. Furthermore, I am reporting this debt as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: TX
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:
Accounts not removed and still showing on credit 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 2017-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
RE  : modification and  RICO Enterprise  Bank of America must face claims that it and another company violated federal anti-racketeering laws by denying loan modifications to eligible borrowers, a federal appeals court The ruling by the  U.S. Court of Appeals for the Tenth Circuit  reinstates purported class claims by  XXXX   XXXX  and other borrowers that Bank of America and  XXXX   XXXX   XXXX   (   XXXX   ), a  settlement company, feigned compliance with guidelines under the Home Affordable Modification program  ( HAMP )  while modifying as few loans as possible.     Massive consumer victory upholds claims that  BOAs HAMP  mortgage-modification program was a   RICO enterprise The nations seconds largest banking institution, Bank of America must face a class action lawsuit over RICO and promissory estoppel claims for conspiring to obstruct, delay and deny their Home Affordable Modification Program ( HAMP ) applications.
Bank of America must face claims that it violated federal anti-racketeering laws by denying loan modifications to eligible borrowers, a federal appeals court The ruling by the U.S. Court of Appeals for the Tenth Circuit reinstates purported class c  laims by  XXXX   XXXX  and other borrowers that Bank of America and  XXXX   XXXX   XXXX   (   XXXX   ),  a settlement company, feigned compliance with guidelines under the Home Affordable Modification progra  m ( HAMP ) while modifying as few loans as possible.
I feel the BOA has on so many levels absolutely is a RICO ENterprise and has put me in the in the the group of modifying as few loans as possible in the correct modification best see fit to assist me.
I did file an appeal in my last modification because of the status that my husband was unemployed. My service lender at the time said nothing else could be done! SO once again your facts are completely inaccurate and again unwillingness to have a mortgage loan forgiveness principal reduction or rate adjustment I am completely confused on how you can state a interest rate does not factor in until after a trail period?? I will not agree to a trail period without knowing what interest rate I am at?

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 2023-10-24
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
In accordance with the Fair Credit Reporting Act, this creditor AMERICAN EXPRESS has violated my rights. Under XXXX5 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1581 Section 604-A ( 2 ) a consumer reporting agency can not furnish an account without my willing instructions. Under 15 U.S. Code 1666B a creditor may not treat a payment on a credit card account under open end consumer plan as late for any purpose. 

The dates being reported are XX/XX/XXXX XXXX, XXXX, XXXX, and XX/XX/XXXX XX/XX/XXXX I reached out to American express and there was no resolution for the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had purchased a ticket from XXXX XXXX in XXXX using HSBC XXXX. Due to Covid-19, it was refunded later by XXXX XXXX and they sent the refund of {$3100.00} to the HSBC XXXX on XXXX XXXX XXXX. At that point my original HSBC credit card used for the purchase had expired so I contacted HSBC and their customer care said that the refund to the expired card would automatically go to the new HSBC XXXX. 

I kept waiting for the refund and called both XXXX XXXX and HSBC multiple times since XXXX XXXX kept telling me the refund was sent but I didn't see anything in the HSBC account and HSBC kept telling me they didn't receive anything. After three months XXXX XXXX gave me the acquirer reference number in XX/XX/XXXX and then when I showed it to HSBC, they told me that XXXX XXXX DID send the refund, but it was rejected by HSBC since it was to the old card. 
1 ) First, HSBC never informed me about the rejection of the refund in XXXX XXXX and even when I was enquiring multiple times, they didn't tell me about the rejection until XXXX XXXX. 
2 ) The HSBC customer care person had confirmed to me that the credit issued to the old card will automatically go to the new card, and therefore gave me wrong information. 

I filed a complaint with HSBC, case number : XXXX but they have not resolved it. 

I would like to receive my refund and it was due to HSBC 's error as they rejected it and now they are not helping me. I hope CFPB can help me. 

Thanks, XXXX cell : XXXX

Company response to consumer: Closed with explanation