BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: NJ
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:
I, XXXX XXXX the consumer discovered on XX/XX/2022, that Experian CRIMINAL ACTS has violated not only my consumer right to privacy, but also the FAIR CREDIT REPORTING ACT by way of unfair and inaccurate reporting. Experian has failed to do a proper investigation This has caused me to lose confidence in the banking system. Experian willfully and negligently failed to comply with the FCRA ( 15 usc 1681n & 15 usc 1681o ), by placing SIX ( 6 ) charge offs/collection accounts on my consumer report in which Congress stated should be excluded pursuant to 15 USC 1681c ( 4 ). By doing so has failed their grave responsibility of fairness and respect for my right to privacy as a consumer. Never, did I give Experian, direct written permission or instructions to report any negative accounts or alleged debts on my consumer report. As Congress stated in 15 USC 1681b ( 2 ). Experian failure to comply with the FCRA has caused severe damages and injuries to 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 2023-03-22
Company: EQUIFAX, INC.
State: NC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the following information from my credit report. I am a victim of identity theft and did not authorize these charges. I have already contacted the Federal Trade Commission 's Identity Theft Affidavit in regards to the theft. I would appreciate if these charges were removed from my file as soon as possible because it is hindering 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 2020-09-15
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I live in XXXX, and get bi-weekly deposits from my employer to my Chase account since I am a remote worker. 

on XX/XX/XXXX, my account got locked for fraudulent activity after I made a payment through XXXX for XXXX  music lessons. I have called Chase over 10 times, and they told me the only thing I can do is to go physically in a chase branch to get this resolved. 
This is unacceptable since I am in XXXX, and going to the United States is a danger to my health as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2023 XXXX XXXX Loan number : XXXX Property address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX My name is XXXX XXXX. 
*I applied for a loan modification XX/XX/2023. 
*however, it took a total of five email submissions for my modification documentation to be received by Seline loan resolution department.

*I believe my modification request was denied in error. For the following verifiable facts, I am asking for a re determination.

1. My modification request was processed under conventional loan qualifications and requirements when my loan has always been an FHA XXXX XXXX. Original XXXX number XXXX XXXX XXXX XXXX. My previous loan services Always recognize my loan as an HHA  XXXX XXXX Government Backed Loan 3. Due to Seline processing my modification under conventional loan qualifications I believe I was denied an modification in error 4. I have not received any communication/Explanation of how my loan was changed to a conventional loan 5. I did not receive any communication that my loan modification request was denied nor the reason it was denied. I was only informed that my home was back in foreclosure with a sale date when I called to inquire about my modification request.

During that conversation with your customer service representative, I was informed that my loan modification request was under a conventional loan modification request and not under the government sponsored modification under XXXX XXXX or XXXX XXXX. 
At that time, I expressed concerns that my loan has always been under XXXX XXXX and at no time was I aware of it being changed nor did I authorize or sign any documents for it to be changed to a conventional oan. I was guaranteed to be contacted by someone in the correct department regarding my loan showing as a conventional loan instead of a XXXX XXXX under XXXX XXXX ID XXXX I have attached a new loan modification request with the following documentation. 
1. Power bill 2. Check stubs 3. XXXX XXXX 4. W2 ( XXXX ) 5. XXXX XXXX  6. IRS Avidavit also delene has put many late paymnt charges and additional fees. my income chnaged due to the pandemic i shoud not have late charges and my credit has been effected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently submitted 56 ( 2 ) for Bank of America/ XXXX XXXX dba Secretary of Treasury ... 2848 ... 1099A ... ... Escrow Release ... 1040/1041V ... ..POA ... remit coupon for balance on account ... .also sent copy to IRS. The company responded with this letter and closed the account. Why would they make up some bs to close the account after I had taken control as the Lender/Creditor.FRAUD!!!! They are t

he Borrower. I filed this paperwork so they would STOP double dipping into my trust account to prevent the FRAUD that is currently happening. Seems they were caugh
t and tried to close the account so they can collect on the 1099A instead.

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 2022-03-28
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: Account information incorrect

Complaint:
This account is inaccurate in multiple ways balance, open date, last payment date past due delinquencies in the wrong year and please delete these errors for it is very damaging to my credit report and is harming my reputation I have a recent statement from XXXX to prove this account is inaccurate on many levels please delete ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
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:
On XX/XX/2022 I sent Experian a notice demanding the deletion and removal of accounts and they still have not obliged. The FCRA and The Gramm Leach Bliley state that consumer reporting agencies may report in accordance with written instructions that comes the consume which is myself. I have now filed an Identity theft report as well as a department of justice complaint because I feel my rights are clearly being violated and these companies make money selling my information.

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 2022-03-28
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am another victim of the theft of crypto assets from an IRA account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I hope this message finds you well. I am writing to bring to your attention a concerning issue I have encountered after filing a complaint. Following my complaint submission, I am unable to access my credit reports using the same information I have used previously. Transunion the most but now XXXX. I also can not dispute name that is on my credit report with transunion that is not correct at all. These are not my names and never was spelled they way they have them spelled. 

Moreover, I suspect that the involved companies might be employing phishing tactics to obtain information to place on credit reports. 

I kindly request your prompt assistance in investigating and resolving this matter. I believe the issue poses a significant threat to the security, right to privacy of my information, and I am eager to ensure a swift resolution. 

Thank you for your attention to this matter, and I appreciate your ongoing efforts to protect consumers.

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 2023-04-24
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. 15 US-CODE 16921 XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This account is inaccurate in multiple ways balance, open date, last payment date past due delinquencies in the wrong year and please delete these errors for it is very damaging to my credit report and is harming my reputation I have a recent statement from XXXX to prove this account is inaccurate on many levels please delete 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
Consumer complaint received 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2021-09-21
Company: Dovenmuehle Mortgage, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
REGARDING ORIGINAL COMPLAINT XXXX ( XX/XX/20 ). DISPUTE WAS CLOSED BUT NOT RESOLVED. FOLLOW-UP COMPLAINT XXXX ( XX/XX/20 ), NOW CLOSED BECAUSE DOVENMUEHLE ADMITTED WRONG-DOING IN WRITING - BUT STILL HAS NOT REFUNDED MY {$7900.00}. 
When we received the letter from Dovenmuehle in XXXX ( attached ) FINALLY admitting to an error, clearly stating that our loan that they transferred to XXXX XXXX XX/XX/XXXX " inadvertently '' included the erroneous second lien of {$7900.00}. They were to advise XXXX XXXX that our payoff balance was to be REDUCED by {$7900.00}. But before we received the referenced letter above, and after 8 months of fighting and getting nowhere, we had the erroroneus lien rolled into our refinance loan just to get out of our high interest mortgage while the rates were low. We refinanced on XX/XX/XXXX, a day after Dovenmuelhe wrote the letter, but that we didn't not receive until a week later. It was too late to get matters settled - and now we'll be paying interest on the nearly {$8000.00} extra on our new mortgage. 
BOTTOM LINE - Dovenmuehle received our monies last XXXX to completely satisfy our mortgage and bring us current ( I had called to get the exact amount needed ). The funds were applied incorrectly, then removed, then applied, then removed - and in the end, were never applied to our loan ( per an independent audit ). Instead an erroneous second lien in the amount of {$7900.00} was created. 
RESOLUTION - Dovenmuehle MUST refund the {$7900.00} to us! That doesn't even include the 8 months of higher interest paid with them delaying our refinance because of their error! And the additional YEAR of interest had that money been put back into my IRA from where it came! 
We've tried REPEATEDLY for more than a YEAR to settle this matter with Dovenmuehle, and still it remains- they STILL have my {$7900.00} that was never applied to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account is incorrect

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 2023-11-27
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Hello, Ive been trying to get access to my mortgage statements for two of my houses. Loan Care website has been down for over a week. I spoke with their customer service representative on XXXX. They arent able to provide me the statements either. I was asked to wait till XX/XX/27 but the website is still down. I need my statements to review accuracy of the escrow. I also need it for a HELOC I applied at another lender.

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 2022-02-16
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:
EXPERIAN did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of EducationXXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). EXPERIAN is in violation of my Federal rights because I have alerted and made EXPERIAN aware of the fraudulent, inaccurate and unverifiable information on my consumer report multiple times and they continue to report these fraudulent late payments.This is causing me a great deal of emotional distress. I have attached a pdf document to this complaint which includes all the violations and reports which show the inaccurate balance and information reporting between EXPERIAN and DEPT.OF EDUCATIONXXXX. Look at these inaccuracies : 1. DEPT OF EDXXXX **** {$3800.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION  {$3500.00} 2. DEPT OF EDXXXX **** {$1500.00} ( 6 lates ) XXXX XXXX and XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1300.00} 3. DEPT OF ED/XXXX **** {$1900.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1800.00} 4. DEPT OF EDXXXX **** {$3700.00} ( 4 lates ) XXXX XXXXXXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 5. DEPT OF ED/XXXX **** {$7000.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$5800.00} The inaccuracies of reporting by EXPERIAN are above, how did EXPERIAN verify these accounts and are reporting the wrong balance? How can I be confident that they are doing a proper investigation? They are NOT. 

EXPERIAN did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of Education/XXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ).

I have also attached an FTC complaint and will follow up with a complaint to the Attorney General of Texas.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: DISCOVER BANK
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Due to the policy that Discover has regarding renewal of CDs that require phone interaction in order to stop auto renewal of the CD, I decided to close my account.

When I had the money transferred it took 7 days to become available in my other bank. This is unacceptable and an obvious way for Discover to hold the funds for their own gain. 

Not only is the practice of auto-renewing CDs unfair, the practice of holding the funds for 7 days upon closure and transfer is punitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo - foreclosure- Payment arrangements were made and we were working with the Bank the last document was that our property was sold, We were not given the opportunity to reclaim the property. We would like to be a part of any law suite that will provide us with a refund and give us an opportunity to purchase another property for the same cost Load Date : XX/XX/2006 Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, SC XXXX Borrower : XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX {$160.00} Sales Price : {$200000.00} Interest Rate : 6.750 %

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