BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: LD Holdings Group, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started a refinance of our current course of construction loan with Loan Depot. We were told by their representative that they would only be charging us {$35.00} to run two reports and we would have to pay for an appraisal even though it was a Brand New Home. We wanted a VA loan but were told our house couldn't get one because they kept calling it a Condo which wasn't true as I had also contacted the VA and they also said we could get one but we were then told by Loan Depot we would have to hire a lawyer and have the description changed. The appraiser they used was unqualified to appraise the house in the community we are in so he ended up appraising it for between XXXX to XXXX under value. As if this wasn't bad enough my wife and I were Veterans. The mortgage company keep delaying and delaying even though we had a move in date on XX/XX/2019 on XX/XX/2019 my wife died in the XXXX XXXX XXXX Hospital due to incompetent treatment.  Loan Depot then immediately turned down the loan, as I was her primary care giver I feel we were penalized because of this, as if this wasn't bad enough a XXXX XXXX incurred charges with my HOA of {$100.00} without our express consent. The HOA invoiced Loan Depot the {$100.00} but Loan Depot refused to pay. To date I have called them several times and email them as well to include contacting the original agent we spoke with XXXX. We have been ignored every time. After 5 months the HOA is now billing me for the {$100.00}. It's bad enough having your wife of 27 year pass away   from incompetent VA employees but then to have Loan Depot run around incurring charges without any knowledge or authorization nor fully disclosing this fact is in my opinion nothing more than deceptive practices. I am hoping your agency can get us our money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
Bank of America is holding an account in my name that does not belong to me holding me liable to pay. This is not my account, I have called the business directly several time and the credit bureaus. I am a victim of identity theft and I have been involved in over 5 security breaches over the last 6 to 7 years. I really wanted an opportunity to do business with this company and can not because the opportunity was taken from me before I had the chance. I have begged and pleaded to get this false reporting removed and it have not been resolved yet. This is not good practice for business and this is stripping me away from my rights. It is also against the law. I explained to them this person had numerous of things in my name, bank accounts, secured and unsecured cards, jobs and unemployment in my name and the representative from Bank of America quoted unfortunately its easier for someone to use your information then you to get the false reporting off. That should not be citizens hard truth. I want this account immediately removed. The account is {$330.00}. It is not a lot of money and again I am not paying for something I did not do. I am in route to be getting a credit lawyer involved if this cant be resolved. I have given them my current address for a fraud packet and I have received nothing. Please remove this off of my account.

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 2019-07-29
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, 1. Due to negative balance, AMEX issued credit balance refund check for {$1200.00} on XX/XX/2019. 

2. Since we are out of USA, we called AMEX customer service to inform that they need to cancel this check and credit the amount to our account. Promptly, AMEX cancelled the check and issued credit for {$1200.00} on XX/XX/2019. 

3. However, due to an error on their side, they issued another credit balance refund check for {$1200.00} on XX/XX/2019. 

4. We again called AMEX customer service to inform that they need to cancel this check and credit the amount to our account.

5. However, as of date, in spite of multiple calls, and after AMEX agreed to cancel the check and issue a credit, AMEX has not done the needful and our account still shows balance of {$1200.00} + fines and late fees. 

6. AMEX has now threatened to report me to credit agencies and also have reduced my spending limit. 

Please see attachments : 1. Issue Transactions - Screenshot showing credit balance refund and credit transactions made on my account by AMEX. 
2. Interest and Late Fees Charged XX/XX/XXXX to XX/XX/XXXX. 
3. Interest and Late Fees Charged XX/XX/XXXX to XX/XX/XXXX. 
4. Notification of Credit Limit Reduction. 
5. Reporting to Credit Bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received {$8500.00} ( in the form of three checks ) from a XXXX internship during the summer of XXXX as a part of a program at XXXX XXXX XXXX I deposited the three checks into my account. On XX/XX/XXXX, Capital One withdrew all {$8500.00} without my consent. When I called them to find out what was going on they told me my account was under investigation ( without my notice ) in XXXX. The results of that investigation concluded that an act of fraud was committed on my account and that the banking relationship between Capital One and me was severed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In 2019 I had opened the account for my direct deposit and my job as soon as I opened the account I started getting insufficient funds for maybe XXXX cent {$0.00} and I received a letter before I move but now I can not think to get in contact with trying to update it and they'll keep saying that I do not have an account with them and I know for sure I have had an account with them since 2019 and I have not been able to get another one because of insufficient funds maybe {$330.00} total and then XXXX account was {$140.00} and it literally took my check from my job I need everything reimbursed

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 2021-05-22
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV FUNDING LLC at XXXX XXXX  XXXX XXXX, SC XXXX has been sending me collection notice in the amount of XXXX. The collection has been reporting this past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$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 2022-05-21
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2022-01-12
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 FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT, AND IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECEIVED ANY INVESTIGATION RESULTS.

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 2023-08-10
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Experian Information Solutions Inc.
State: MI
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 placed two disputes for closed accounts on my credit report from Experian. The accounts were said to be deleted upon payment of settlement from the creditor, but were never removed. The results came back as updated with the accounts still on my credit report. I asked a disputes representative at Experian to furnish verification methods used to update my report, seeing as how an agent of the company XXXX XXXX XXXX ) I disputed the accounts with XXXX XXXX, Agent ID XXXX ) stated NO form of investigation had taken place on my account from Experian with them. After several phone calls over the weeks, the only assistance anyone seems able to offer me is an additional dispute. By law, I requested validation of the debts and have yet to receive it, so I am requesting the accounts be removed immediately for violation of my rights under FCRA

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-22
Company: National Credit Adjusters, LLC
State: CA
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:
This account was paid in full to NATIONAL CREDIT ADJUSTERS , L.L.C upon full payment the account will not be reported to the credit bureau after being paid in full it was still reported and I asked XXXXXXXX to remove it and they have not done so. This gos against my rights. XXXX will not let me dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried for over a month to reach a human at Nelnet to find out why and when they became my student loan service provider after receiving a notice I missed a payment in the mail. My loans were deferred due to currently being in school and were previously through Great Lakes. I never received notice my loans provider changed, can't reach a live person to get answers and I have tried email, fax and calling multiple times. Now I'm worried my credit will take a hit and cant get any help resolving the issue. I can't login to their website and can't even get help from their tech support team to get me logged in. Nelnet is by far a huge scam and lacks customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On the morning of XX/XX/2023 my phone was stolen out of my car while I was inside XXXX. The person got into my Cash App account, changed my security pin via the " lost pin '' feature in the app, and made two Unauthorized Transactions ( XXXX for {$500.00} and XXXX for {$710.00} ). *They also added their card ending in XXXX and attempted a XXXX XXXX ' in the amount of {$300.00}, but it failed ). 
I reported the theft/identity theft to the Aurora Police Department XXXX XXXX & T, Cash App via the ap because XXXX are closed on weekends, ( and again by phone when they opened on Monday XX/XX/XXXX ), and the Federal Trade Commission XXXX 
I reported to Cash Ap that Unauthorized Transactions were made on my account, submitted copies of the police report, screenshots of the fraudulent transactions, the Federal Trade Commission report, and my XXXX XXXX XXXX phone receipt. 
A legitimate banking facility or credit card company would be able to Detect and Flag this as 'Suspicious Activity ''. Cash App refuses to Properly investigate my case, as well as refuses to reimburse the money that was stolen from me. They denied my claim and accused me of " authorizing someone to use my credentials '' even though I have submitted evidence that I Did Not give anyone my pin information, nor give anyone my debit card. I DID NOT Authorize these transactions!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 my Chime checking account, savings, and credit builder was closed which is owned by XXXX and given no reason. I have had this account for over XXXX XXXX and have never had an issue. I immediately called customer service and was told they closed the account because I violated company terms. I had over {$850.00} in this account and this put me in a great financial emergency due to this. I was told I would have to wait at least XXXX XXXX to receive my money. I had XXXX pending direct deposits and several bills which were scheduled to be paid for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, 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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 non-monetary relief
Consumer complaint received 2018-08-07
Company: EQUIFAX, INC.
State: CA
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 paid my car loan off to XXXX XXXX XXXX 5 months early, closing my account. This resulted in my FICO scores decreasing by an average of 40 points in XXXX, XXXX and Equifax. When I inquired, I was told " When there is a sudden and unexpected change in your payment status, like paying off a loan early, the algorithm reads 'account closed early. ' That's just the way the algorithm works. '' To summarize : I paid my car loan off early, and credit agency 'algorithm ' punishes me with a 40 point FICO score reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: JPMORGAN CHASE & CO.
State: ME
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  this account has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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 response to consumer: Closed with explanation