BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I've contacted Citi Bank several times to resolve a unreleased mortgage from XX/XX/XXXX. Upon calling I was referred to a resolution team that does not accept calls only faxes ( XXXX ). A fax was sent several times without any followup from the company. I am in dire need of a lien release on a mortgage from XX/XX/XXXX, The CitiMortgage at that time was transferred or sold, yet, the mortgage was not released by CitiBank, The loan number is XXXX. Pin XXXX. I was due to close on XX/XX/XXXX, my closing has been delayed until this matter is resolved. Please assist in providing the necessary release of this mortgage. If additional information is needed please contact me, by phone or email at 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 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have made several complaints about the same issues. I have yet to receive the proper verification for the furnishing of these accounts. Please provide to original contract of indebtedness or remove all items immediately. These accounts are being furnish without my consent nor proper verification

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 2021-09-06
Company: Navient Solutions, 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: Investigation took more than 30 days

Complaint:
I have tried to dispute a late payment with the credit reporting agencies and have sent three letters into Sallie Mae. Sallie Mae does not respond. I have tried to call and they say I can not talk to anyone, I can only write another letter. This loan payment was never late as I was enrolled in school like my other loans Sallie Mae owned show.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: MI
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:
Under 15 U.S. CODE 1681 FCRA, It's unlawful for a creditor to keep a account on a person 's credit report that contains improper information. I've had this problem with XXXX  over time and they have not yet removed this account from my credit report. They will go back and try to adjust the account which is unlaw and the account will still have errors. I have attached documentation of this from my previous compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2022-12-20
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please note I am still in the pre-approval process for a mortgage and have not even started to view homes. 

I was contacted by an individual regarding my mortgage application and believed it to be a person from the company I was already working with. It was not and they charged me a {$500.00} application fee. Once I realized it was another company trying to scam me, I asked to have the application cancelled and the fee refunded. During a call with customer care, I was told that it was not an application fee ( since to my understanding is not a legal fee ). However, I have the following email which describes it as an application fee : XXXX XXXX, This is a receipt for a charge in the amount of {$500.00} to your credit card ending in XXXX. 
This charge was for your XXXX XXXX. 
If you have any questions or concerns regarding this charge, please contact XXXX XXXX. To ensure accuracy, please use your XXXX XXXX. XXXX as a reference. 


Warmest Regards, XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX XXXX Desk XXXX Fax XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
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 have been a victim of identity theft and I have continued to reach out to Experian and they still have not removed these accounts from my report! I filed a police report, filed an FTC report, Submitted all documents to them and still have not removed it from my credit report. They are reporting incorrect and false information. Please have them remove these accounts from my credit report. 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 2018-10-31
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CBE Group summit bad remarks on my credit last XX/XX/2018 where is possible to send proof of full amount las XX/XX/2018 directly in XXXX XXXX office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: SC
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:
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : OXXXX XXXX XXXX # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

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 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already tried by all means to fix this problem. Capital in being unfair and is not willing to fix this issue and stop affecting me. They have committed several negligent actions that led to violations against me. 

I am only demanding this negative item : account # XXXX, opened XX/XX/2011, limit {$1300.00}. 

Please help me sending the attached documents to Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: MI
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:
WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Dear XXXX, I am writing to express my dissatisfaction with the XXXX services and to request your assistance with my account issue. 

I have been trying to log in to my XXXX XXXX account for several years, but I have been unable to do so. Every time I enter my username and password, I get an error message saying that my account is locked. I have not received any explanation or notification from XXXX about why my account is locked or how to unlock it. 

This is very frustrating and inconvenient for me, as I need to access my account to check the status of my claim, certify for benefits, and update my information. I am worried that I might miss important deadlines or payments because of this issue. 

I request that you please unlock my account as soon as possible and provide me with any information on my account that I might have missed. I also request that you please investigate the cause of this issue and prevent it from happening again in the future. 

I appreciate your prompt response and cooperation. You can contact me at ( XXXX XXXX XXXX ) or ( XXXX ) if you need any additional information from 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 2022-07-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX ( {$7400.00} ), 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
Consumer complaint received 2022-07-24
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
RE : CFPB # XXXX ( the " Complaint '' ) XXXX XXXX, Customer Experience Advocate TD Bank, America 's Most Convenient Bank -made the following statement. 
TD Auto Finance is required to report all accounts fairly and accurately per the Fair Credit Reporting Act. Therefore, we are unable to remove any accurately reporting information from your credit file This statement is not true, when I responded to Hopes response and asked her why she made this false and very misleading statement, she completely ignored my question. Here response was we may report to the credit bureau. 
This statement is a violation of 15 U.S Code 1692e - False or misleading representations. 
This violation comes with {$1000.00} fine Also, please, The notice that was sent to me regarding FCRA 623 ( a ) ( 7 ) ( G ) ( i ), notice either before you furnish the negative information or within 30 days of furnishing it. 
If you are unable to provide me the notice listed above, then it is a Violation of code FCRA 623 ( a ) ( 7 ) ( G ) ( i ), I ask that Hope please remove all information from the credit bureau and pay the {$1000.00} fine for violation of 15 US Code 1692e and also pay the fine of {$1000.00} for violation of FCRA 623 ( a ) ( 7 ) ( G ) ( i ), Please pay both fines and remove all information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: VI
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:
Good day, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these credit accounts listed have all violated my rights with the Fair Credit Reporting Act. 15 U.S.C 1681 section 602 A. States the right to have privacy and it also states under section 604 A section 2 : a consumer reporting agency can not furnish a account without my written instructions which I have not given any ok to do so. 

No account name XXXX This credit account is on my account. I have no idea what this is there isn't any name or hardly any information. Its been disputed in the past and hasn't been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Please reference prior CFPB Complaint : XXXX. 

In response to AMEX : Youve stated in your previous reply that the reason for closure was for returned payments. However, I was assured by American Expresss support team, that these returned payments would not result in an account closure. Further, American Expresss statements contradict themselves. For example, support teams notified me the closure only happened because our new account was placed under financial review and they found Affiliation with transactions. American Express refused to divulge what affiliation this was, and closed my account based off a couple returned payments and a suspected affiliation with a charge on the credit card. This violates my right to fair information. Any reaction a card company makes and the evidence collected should be of full transparency to the customer. However, AMEX has specifically withheld this information and has also provided statements that do not align with the statements given over the phone and email about the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over the past 3 years i have been charged over 12000 dollars in XXXX fees due to over drafts and other fees by chase bank. I am not rich I love paycheck to paycheck and got myself caught up in the loop of having to pay these fees to stay afloat. I have been refunded max set by bank of 100 dollars a year I believe I have beendubted into having to do this and feel hurt by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: LA
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:
Please see attached identity theft report detailing that I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by 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 non-monetary relief
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On a recent report TransUnion out old married name as new name which is incorrect and you also have XXXX XXXX on reports as a alias which is false iam XXXX XXXX not a male and also you have XXXX as zip which is false it has been XXXX alit if inaccurate info you are hurting my credit over and over

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 2018-10-31
Company: WELLS FARGO & COMPANY
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to canceling my escrow account and bi weekly payments, Wells Fargo informed me that my mortgage has been adjusted to a lesser payment to reflect the changes. I already had fund with the bank to cover my XXXX mortgage payment short {$43.00}. The bank accepted the short payment and emailed me requesting the shortage of {$43.00}. A couple of days later I made an online payment to cover the shortage. Wells Fargo mishandled the payment and never apply it toward my XXXX mortgage payment it's been like 2 months and hundred emails and the issue has not been resolved to date. I'm requesting that my {$43.00} be applied toward my principal ASAP.

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