BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently applied for a mortgage to buy a house and my credit was pulled. On my credit it shows that I was late on three of my home mortgages which is not correct. My mortgage is set on automatic payment with my bank and the three late payments was during the pandemic that we had deferment payments period and during those periods we show one late payment. Plus two others that is the bank 's mistakes. My account was compromised as well and I opened a new account but the bank did not make the changes on time to pull out the money from my new account therefore showed late payment. They promised that they would reverse these late reports but they have not done that. This was supposed to be taken care of by my account manager but he has not done his work. I am disappointed that the banks mistakes have affected my otherwise perfect credit score. I have been current with all my mortgages including my commercial mortgages. This is not acceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Ad Astra Recovery Services 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 status incorrect

Complaint:
Account is shown as closed after dispute and re added days later. I do not have a contract with this company, yet they continue to say that account has been verified as mine but have yet to and never have sent me proof that I owe or that I have a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Block, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXXXXXX  I wrote into the XXXX against Cash App advising that several fraudulent accounts including cash cards had been opened in my name without my permission resulting from identity theft. Cash app responded with the response below claiming to have closed and deleted said accounts. However when I went to use cash app for the first time on XX/XX/ the account was immediately closed stating I violated their terms and conditions of service. I have never accessed their service and I did not use their service. I could not have possibly violated their terms of service if I havent used their service. The account was not used to make any transactions. Cash app just closed it because of the past fraudulent accounts. When I emailed cash app to ask why those accounts werent closed they claimed they closed they told me they didnt have enough evidence to review my claim. When asked if cash app could provide proof of any authorized previous account because again Ive never applied for their service, and I dont have any other email addresses cash app proceeded to tell me they cant talk to me about this matter and that to check if an email has been hacked how to recover it. Well my emails never been hacked as I dont have any other email addresses. So Im not sure what they are requesting me to recover. Cash app is conducting shady practices. XXXX is fraud, XXXX fraud, XXXX FRAUD. And I dont have access to these email addresses because I didnt create them. A fraudster did. I also have extended fraud victim statements on all my credit files and Ive never owned a cash card or cash app account in my life. Nor have I authorized any account to be applied for or used. Ive never received any cards from their company, and Ive never made any transactions with their company. Cash app knows this and still wont do anything about it. They do not have any proof because this account application wasnt made by me or authorized. Cash app allowed identity theft and then refuse to assist. Which is unacceptable and shouldnt say someone violated their terms that never agreed to their terms nor used their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity closed my XXXX account several years ago but I still had a balance. I have been paying the min payment of {$30.00} for years. I noticed in XXXX that my balance was {$32.00} so I decided to pay over the min payment of {$30.00} and just pay the balance on the due date. I submitted a manual payment and stopped my auto pay since now the balance was XXXX. 
I got an email today saying I needed to make my payment for {$2.00}. When I logged in, I checked my statement and it says this is the minimum interest charge. I feel this was an error since the account has been closed for years and I paid the balance in XXXX. 
I called the card company, explained this- we agree that the account is closed, and I paid the total balance due on the due date. However- they are trying to tell me that I owe the {$2.00} because of " residual interest '' and its from an old purchase. I do not accept this explanation and I told them to XXXX out the account and remove the fee since the account is CLOSED. They were unable to do this. I advised I would be making a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
Company: EQUIFAX, INC.
State: TX
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, all information is required to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but last reported dates and date last active are all inaccurate to include account number for XXXX  : ** XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ** XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I feel that this is ground for removal from my credit report and my rights have been violated under the following : 15 U.S.C 1681 Section 602 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: FORD MOTOR CREDIT CO.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a auto loan with Ford Motor Credit Company that account went to collection but I was able to paid it off the full balance. Ford still reports that account to my credit report, please stop reporting that account, too old. Thank you very much for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy reported on my credit report that is incorrect. I have disputed it and the CRA has maintained that the court has verified it. This is a lie, the court verifies no such information. I have included the transcript of the voicemail left by th e Clerk of Court. She has provided her number if they need to call for follow up.  I 'm not sure where they are getting the information but it is not from the court as they have said. Additionally they verified the bankruptcy as a reported "  XXXX  '' balance case. I 'd like to know who files bankruptcy on for a  XXXX  balance? The clerk has also verified they do not provide social security numbers or birth dates to PACER or the likes. The reporting of this information is a clear violation of the 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 2023-04-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Hello, I had service with equifax and was paying {$4.00} a month till XX/XX/XXXX, due to credit card reported missing my service was disconnected so I called yesterday to restore It I was told I need to update my credit card so I did but I was told there is an error and we can not charge the update credit card I gave the another card and same thing happened I gave different card the result was same upon checking with my credit cards XXXX was charged twice, provident once and XXXX once I told the agent I have been charged 4 times and she been telling none why dont you check with your supervisor or somebody knows about the issue because this is unethical and fraudulent you should stop and refund all charges until you fix the issues she said no I told I have all charges you better do but she never did

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Movement Mortgage LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2018, My wife and I came across an acreage we fell in love with. With the conditions of the home and past financial difficulties in our past, we knew this was a long shot to aquire. With some research and talking with my realitor she pointed us in what we thought was the right direction. We contacted the mortgage company that could help us with an FHA 203k loan. This was around XX/XX/XXXX. The process moved along pretty smooth. With a few hiccups with contractors and insurance through half of XX/XX/XXXX. With our sites set on closing XX/XX/XXXX we had no idea how far off that dream was. XX/XX/XXXX loan was dissolved and started over the beginning of XX/XX/XXXX. With no closing date in site I was put back in the blender. More documentation, bank statements, pay stubs, Drivers licence, proof of fund 's, update my job title, question my pay stubs and why I make so much more money than last year? Did I go to school, was I educated or did I have special training? My ChXXXX comes back up, I've sent discharge documents on this months ago. I start wondering why they keep digging into stuff? Why We aren't moving forward? Now its XX/XX/XXXX, Appraisal finally gets done. They or someone wants mold remediation plan wrote up. Issues with the foundation arise. Ask for rental history verification again after 3 month. Start digging into my credit and private student loans. Making my contractor change his bid on several occasions. Starting to feel hopeless at this point. Its now XX/XX/XXXX. Wasted weeks if not months of repair time. Still feeling lucky to have contractors on board at this point. Closing? I'm thinking XX/XX/XXXX.  XXXX XXXX contractors business not registered with the state comes up after 4 months. XX/XX/XXXX stuck on mold and foundation issues. XX/XX/XXXX want paint and mold added to the contractor bid. At this point I'm furious, ready to walk away from my dream. XX/XX/XXXX XXXX sign Closing Disclosure Documents for a closing date of XX/XX/XXXX. XX/XX/XXXX XXXX? Discrepency in some figures? Sorry not closing today. Please help! I feel like I'm being set up for failure. Non of this has felt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: EQUIFAX, INC.
State: IL
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 Accordingness with the Fair credit act conversion account number XXXX XXXX XXXX {$670.00} has violating my rights. 

15 U.S.C 1681 section 602 A States that I have the right of privacy 15 U.S.C 1681 section 604 A section 2 A Consumer report can not punish my account without a written instructions of the consumer to whom it relates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
To Whom it May Concern, On XX/XX/XXXX at approximately XXXX, I was approached by 2 young ( age XXXX ) males asking for donations for their basketball team. After quickly denying them my donation, claiming i did not have cash or XXXX, I began to walk away. They immediately followed me, becoming persistent in heir request for a donation, and also seeming quite forceful for boys asking for a donation. They had mentioned they take XXXX. After being quite vocal about my unwillingness to donate, I started to understand they were not taking no for an answer, and began to fear for my safety, as these males were over XXXX '', large in size, intimidating and could have easily been carrying a weapon. I opened my Chase Bank app, thinking I could quiet them by sending them {$5.00}. As soon as they noticed my bank app was open they snatched my phone from my hands and began walking fast while using my device as I was pleading to them to return it to me. They began to run and ended up dropping my phone, where i was able to retrieve it, but when I logged into my bank app again, I had seen that through my Chase App, they XXXX XXXX the name XXXX under the phone number ( XXXX ) XXXX the amount of {$2000.00}. This {$2000.00} came straight from my checkings account. 

I filed a police report and a claim with Chase bank immediately following this occurrence. Case number for police report is XXXX, and Chase bank claim number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WF CRD SVC Partial Acc # XXXX, account # XXXX XXXX XXXX XXXX XXXX XXXX, IA. XXXX XXXX ( XXXX ) XXXX Charge-off doesn't supposed to be on a consumer report. The company owed me a 1099c, for debt to be discharged from my ordinary income tax. Wells Fargo has been using my taxes at the IRS. All of the Title 15 USC 6181 ( a ) ( m ) ( i ) through as being applied. 
XXXX XXXXXXXX XXXX ACT # XXXX XXXX, XXXX XXXX XXXX XXXX, NM. XXXX, The same thing with this company, the use of Charge-off companies is using the same thing on taxes 1099c where I can not be discharged because they are collecting tax. 
( 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 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I placed 4 orders with the merchant for foam slabs using my CHASE credit card. The orders numbers and items received and not received were ; - XXXX ( delivered ) - XXXX ( missing entire order. Six 5 slabs ) - XXXX ( missing four of the 3 slabs ) - XXXX ( delivered ) I contact the merchant several times by phone and online requesting a refund due to not receiving what I ordered. After not being able to resolve the situation, I did a chargeback and explained why to CHASE. I requested a chargeback of {$210.00} for order # XXXX that never arrived and {$170.00} for half of order # XXXX since it was missing half the purchased items. 

CHASE has denied my claim for the {$170.00} although I have provided all the requested information and proof that the merchant defrauded me by stating I received all orders. I have attached the entire dispute history. 

The claim for the {$210.00} is pending but I am sure to win since I was able to show that on the merchant 's own website, it shows I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX 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

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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from 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