BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: CIS DIRECT LENDING
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
CIS Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Demand for Explanation Regarding Mortgage Payment Transfer and Unsettled Amortization Schedule Dispute Dear Sir/Madam, I hope this letter finds you well. I am writing to express my deep concern and demand an immediate and comprehensive explanation regarding the recent transfer of my mortgage payment to XXXX, effective XX/XX/2023. Additionally, I am troubled by the fact that the dispute on my amortization schedule remains unresolved. As far as I am aware, there has been no authorization or agreement from my end for such a transfer. 
I want to highlight that throughout the duration of my mortgage, I have diligently made all payments on time and have never defaulted on any obligations. Therefore, it comes as a surprise and raises suspicion that my mortgage payment has been transferred without my knowledge or consent. The lack of transparency in this matter is deeply unsettling, and I expect a prompt response to address this issue. 
Furthermore, I have been actively pursuing the resolution of an ongoing dispute regarding the amortization schedule associated with my mortgage. This dispute has remained unsettled, and it is alarming that the transfer of my mortgage payment has taken place while this matter remains unresolved. I firmly believe that it is in the best interest of both parties involved to resolve this dispute promptly and fairly. 
Given the circumstances, I kindly request the following from CIS Financial Services : Provide a detailed explanation outlining the reasons for the transfer of my mortgage payment without my authorization. 
Clarify the specific terms and conditions under which my mortgage payment was transferred to XXXX, including any relevant contractual or legal basis. 
Address the ongoing dispute regarding the amortization schedule associated with my mortgage and provide a clear plan of action to resolve this matter. 
Provide any documentation or evidence supporting the legitimacy and appropriateness of the mortgage payment transfer. 
I trust that XXXX XXXX will treat this matter with the utmost urgency and seriousness it deserves. Failing to provide a satisfactory explanation within a reasonable timeframe will leave me with no choice but to escalate this issue and seek legal counsel to protect my rights as a homeowner. 
Please note that I expect all future correspondence to be in writing. I would appreciate a written response addressing the concerns raised in this letter within XXXX business days from the date of receipt. 
Thank you for your immediate attention to this matter. I look forward to a prompt and satisfactory resolution.

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 2023-01-12
Company: EQUIFAX, INC.
State: NJ
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811. 

I waited 30 days and I haven't received anything. Here is my tracking number : XXXX. It has been over 30 days. 

And one more thing, they didn't even record the current status of the disputed information. 

XXXX, is holding me back from getting a house. This is very frustrating because I am trying to buy a house for my family but XXXX is doing its job according to the law. 



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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.

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 2023-03-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is to report a case of my being shortchanged of {$100.00} by a Bank Teller. 

I am reporting this matter in order to be made whole of the missing {$100.00}, and to inform authorities of a fraudulent behavior of a teller and of a need for Bank corrective action for this kind of teller malfeasance. 


On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bills from Chase Bank Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX. I was served by the Teller XXXX XXXX. Of the total, {$1300.00} in XXXX XXXX XXXX  were of the older bills, so I requested the Teller to replace them with fresh/new XXXX XXXX which are better accepted abroad. 

When I received the new bills, it was only for a total of {$1200.00} instead of {$1300.00}. I pointed this out to the Teller, who instead of checking if the total of the older bills I gave him was {$1300.00}, questioned me about what I did with the missing {$100.00}. Then he said he can not check the total amount of older bills I gave him. 

I reported this matter to the Branch Manager, by the name of XXXX XXXX. I showed XXXX XXXX the total amount of cash I have, {$1900.00} of fresh/new XXXX from the Teller, and my folded {$100.00} bill in my wallet which I had going into the Bank. The Branch Manager said he can not check the video surveillance nor can he check how much of the older bills I exchanged with the Teller. He said he was going to get back to me after the end-of-day Thursday, XX/XX/XXXX. He did not call me back. I followed up with him in person on Friday, XX/XX/XXXX, but all he said was that he reported the matter for investigation by Corporate and that their cash balance at end of day did not have a discrepancy. What he could not say was what if the Teller, instead of putting {$1300.00} into his cash machine, simply put {$1200.00} in and slipped the missing {$100.00} aside for his own benefit. Such action would not have been caught by a tally of branch cash at the end of the day. We also asked XXXX XXXX if he can show us proof that he has indeed escalated the incident to his management, and he said, he can not give us such proof. 

For the record, I and my husband are long-term checking account clients at Chase Bank and have withdrawn cash using the Teller services on many occasions over so many years including at this particular Branch. This incident on XX/XX/XXXX is the first time we have experienced a shortfall in the cash that was given to us by a teller.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: PA
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.

The letters are stated with items and issues.

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 that 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 2023-05-01
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to eliminate my escrow account. I willl pay property taxes and hazard insurance directly. 

This company messed up my monthly escrow payment last year and wants to me pay too much to correct it. I will pay the underage for last year and then want to py only principal and interest going forwards Company should be investigated for 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 2022-04-28
Company: EQUIFAX, INC.
State: FL
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. 
XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX as well as the Inquiries from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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 that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My XXXX, XXXX XXXX XXXX, and I recently ( XX/XX/23 ) opened a HELOC with XXXX XXXX XXXX XXXX ( Which has then since been acquired by XXXX XXXX XXXX ). The Bank never sent us ( either via mail or e-mail ) any statement pertaining to any outstanding balance. 

I later found out that we were XXXX  days late on payment from the Credit Bureaus. We immediately contacted the bank ( now XXXX ). They informed us that these statements had been deposited to our online access space, of which I was unaware as the XXXX XXXX XXXX XXXX had been acquired by XXXX  and they were still transitioning to a new " unfamiliar '' user interface. 

Suffice to say that I paid the outstanding balance the same day and put the future payments to " auto-debit ''. I have thus far contacted the Bank and even my relationship XXXX, XXXX XXXX XXXX, but to no avail. We have never ever been late or defaulted on any Bank obligation thus far and I find this instance and lack their response to our concerns rather malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect information on my 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 non-monetary relief
Consumer complaint received 2021-08-26
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan me has not addressed the issue still. Stop sending vague responses. I attached PROOF OF EVERY SINGLE EMAIL I SENT TO LOAN ME. LOAN ME DID NOT RESPOND TO MY EMAILS AT ALL!!!!!! THIS IS THE ISSUE AT HAND HERE. THEY RESPOND AND IGNORE THAT ISSUE. THERE LACK OF RESPONDING IN WRITING TO EVERY EMAIL AND QUESTION I HAD AND DISPUTE I HAD PROVES THEIR WRONG DOING. EVERYTHING WOULD HAVE BEEN IF THEY RESPONDED IN WRITING WHICH THEY REFUSED TO AND IGNORED. I AM NOW SENDING THIS WITH ALL PROOF TO THE STATE OF CA BUSINESS OF OVERSIGHT AS WELL AS THE ATTORNEY GENERAL. AND YES I REFUSED TO SPEAK OVER THE PHONE BECAUSE YOU ARE LIARS OVER THE PHONE AND HARRASSING AND RUDE. I WANTED EVERYTHING IN WRITING FROM YOU AND SENT DEMANDS TO HAVE THIS IN WRITING WHICH LOAN ME REFUSED!!!! I HAVE PAID YOU OVER XXXX AND LIKE YOU SAID THE LOAN WAS XXXX YET YOU CLAIM I STILL OWE YOU XXXX UNBELIEVABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: JPMORGAN CHASE & CO.
State: OH
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:
There is an inquiry on my credit reports for XXXX, XXXX, and XXXX that is dated XX/XX/2019 listed as JPMCB Card. I did not authorize this inquiry and did not apply for a credit card with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My debit/credit card information was stolen and Bank of America denied my fraud claim and wont reimburse me the money.

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 monetary relief
Consumer complaint received 2022-06-13
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: Problem with personal statement of dispute

Complaint:
I sent Equifax the following : Re : XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Alleged Original Creditor : XXXX  XXXX XXXX XXXX Alleged Account Number : # - XXXX Alleged Debt Amount or Balance : {$3000.00} Dear Equifax : On XX/XX/XXXX, as evidenced by a certified mail return receipt, you received a letter from me disputing an alleged debt owed to XXXX XXXX XXXX XXXX a debt collector. In said letter, I requested physical verification of the original signed consumer contract. You failed to provide any verification, specifically physical verification of the debt ( original signed consumer contract. In response to my request, you sent a letter alleging you verified the debt. In addition, you updated the account of alleged debt owed. You allege this unverified debt was reported to you XX/XX/XXXX. According to the credit file in my possession, the alleged debt was reported to you in XX/XX/XXXX. In addition, according to the credit file in my possession, the account number of the alleged debt ends in XXXX. In the response to my debt validation request, you allege the account number ends in XXXX. I have not received validation of the debt from you or the debt collector. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my Signature on it ) you have on file of the account listed above. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed above. You are hereby notified that I have filed a complaint with the Consumer Financial Protection Bureau and civil claims may be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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

Company response to consumer: In progress
Consumer complaint received 2023-03-31
Company: CITIBANK, N.A.
State: TX
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:
I have a credit card with Citibank, I raised Dispute for {$1100.00} XXXX but withdrawn it XX/XX/XXXX => and tried to reopen it but unable to do so. below is the history of this entire transaction. 

Date XX/XX/XXXX => I used for making payment for one of the airline ticket I was trying to purchase from XXXX XXXX XXXX XXXX XXXX but somehow that transaction didnt went through so Date XX/XX/XXXX => I filed a dispute request with Citibank on the same day, => Citibank applied a conditional credit to my Credit Card. 

Date XX/XX/XXXX => However later I got confirmation from XXXX XXXX that my ticket is confirmed. So I Withdrawn my dispute XXXX Citibank reversed the charges on my credit card of {$1100.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX booking ( Ref XXXX ) saying I disputed the amount. 

Date XX/XX/XXXX => I asked XXXX XXXX XXXX provide an XXXX so that I can back track the transaction with the help of my bank but i didnot receive any response from them. 

=> CitiBank Customer Support helped me to file reopen the case again but XXXX master card denined that they can't reopen the dispute since it was withdrawn.

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX was reported as collections to my credit reports due to identy theft. 
for the amount of {$2000.00} reported on XX/XX/23. I never signed a wet contractual contract with this company nor have an opened account with this company

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 2023-11-16
Company: EQUIFAX, INC.
State: NC
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:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This credit union XXXX  also known as XXXX XXXX credit Union has consistently reported personal information to credit bureaus XXXX, Transunion, & XXXX without any prior disclosures to me or notifying me in anyway 15 USC 1681b- Permissible Purpose of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT 15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

How are you following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? Without Permissible Purpose, anyone paying for your reporting services could fax, mail or email fraudulent information to my consumer 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 non-monetary relief
Consumer complaint received 2023-02-20
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:
Disputes opened XX/XX/2023 for address and inquiries related to fraud and incorrect information of someone with the same name.

Company response to consumer: Closed with explanation