BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: United Shore Financial Services, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX XXXX I sent United Wholesale Mortgage my updated county tax statement because I am over accruing with them on taxes. They never responded. I called them on XXXX  to discuss further and they had me submit a request through their website, which I did. They never responded with a solution so I followed up on XX/XX/XXXX. They finally responded that the request would be completed by XXXX They never completed the request or responded. I followed up on XXXX  and they never responded. I followed up on XXXX  and they responded with a response of, we are opening a case. They are charging me {$2000.00} extra each month because they are not fixing my issue. I simply can not afford this but have no options because I need to pay my mortgage so my family of 5 does not get foreclosed on and I have no power to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
Dear Sir/Madam, I am writing to bring to your attention an issue that has caused considerable concern. Upon a thorough review of my Transunion credit report, I have identified 23 inquiries that do not seem legitimate. Specifically, the hard inquiries made by XXXX XXXX on three separate occasions in XX/XX/2022, and other inquiries from entities such as XXXX  XXXX, XXXX and XXXX indicate potential fraud or unauthorized activities on my account. Additionally, other entities like XXXX, XXXX On The XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX made similar unauthorized inquiries around the same time frame causing significant damage to me unnecessarily regarding creditworthiness issues. I must also state that similarly unauthorized requests were made by XXXX XXXX XXXX  XXXX ( on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX ( on XX/XX/XXXX ). Having successfully disputed these attacks against my XXXX report in the past has given me hope for a quick resolution for a complete investigation with immediate initiation into this matter by Transunion. knowing high urgency drives results. I expect confirmation upon cessation of review & their respective removals, renewing confidence extending good faith towards quick resolution while standing willing to share further exchanges at XXXX. Thank you for your prompt attention devoted actively disarming unlawful third party predators stand warrantied deflagration completely & professionally resolved making things right again.Sincerely, 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 2023-06-29
Company: CAVALRY INVESTMENTS, LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received an order from XXXX XXXX XXXX where XXXX XXXX had filed a judgement against me for a credit card debt. In the complaint she threaten to take my social security, she wanted my checking account #, she threaten to get a lien against my home, vehicle, wanted to know my assets, if had any guns, jewelry. I went to the XXXX XXXX XXXX and answered the complaint stating that I only receive Social Security. I sent the XXXX law firm the answer on XXXX XXXX certified receipt requested. On XX/XX/XXXX received another judgement from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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: Account status incorrect

Complaint:
I settled my debt with XXXX consumer in XXXX of 2021. During the process I was told that my account would be removed from my credit report following payment, as it is reporting delinquent. I had submitted multiple disputes through all three credit companies with supporting documentation. The reporting has been removed from my XXXX report but not from Experian and XXXX. Beyond the settlement, XXXX was subject to a lawsuit that agreed to delete defaulted loans, in which my loan meets the criteria. I am under substantial emotional stress as a result of this delinquent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Back in XXXX I received a bonus check from my employer. I then received a email my account was being closed due to fraud. It would be closed it 60 days I lost access to my account I couldnt view how much money was left in there nothing. I called over the phone and was informed check was not cashed. I deposited the check via their mobile app. I called back days later to let them know indeed the check had been cashed and I had proof from my employer the funds were added to the account. Ive been getting the run around since XXXX for these funds. Never transferred to a Citi Bank supervisor or called back. I reach out multiple times and they tell me they will escalate the matter or to wait. One time I was advised to go to the branch I went to the branch mind you theres no branch in my city they are now closed so I traveled to this branch to be told there is nothing they could do. Im beyond frustrated and distraught at this situation. Im a XXXX  mother in need of my funds. This has been a on going problem since XX/XX/2022 and have yet gotten a resolution or my money Back

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 2023-02-07
Company: MONEY SOURCE, INC., THE
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and I've been dealing with an issue with no result since XX/XX/XXXX ( when my loan was transferred from XXXX to TMS - the money source. ) My loan XXXX at TMS is : XXXX and property XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ks XXXX XXXX Pin # XXXX XXXX already paid the taxes and TMS proceeded to disburse the funds from my escrow account for taxes in the amount of {$3100.00} however it was never received by XXXX XXXX XXXX department and i have verified this with them every week since XXXX. I have requested The Money Source to close my escrow account so i have 25 % equity and i no longer wish to have someone manage paying property taxes or insurance. A case has been opened at The money source in XXXX and i was told it was closed out XX/XX/XXXX. Yet, this is not resolved so im not sure why someone would close out this case. This has been a nightmare to deal with and everytime i call and speak to someone they tell me they will call and talk to the county to find the check. I also filed a complaint with XXXX and they did send me an image of that check ( ATTACHED ) which the county said that was the one deposited. The money source has failed to do this or their due dilligence.

Everytime i contact them they just send me a standard verbiage. This has been 3 months. One time i called the money source and the property tax department told me the check says its sent out but wasnt so they might use it for XX/XX/XXXX taxes. That is unacceptable. its not showing up in the escrow account. Everything about this is unacceptable and i expect the funds returned to me and my escrow account closed. I will pay XX/XX/XXXX taxes and all taxes and insurance going forward. I expect a refund check of {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a XXXX checking account ending in XXXX with Chase for last 12 years. Of late my overdraft charge scenarios has gone uncontrolled leading to overdraft for overdraft related negative account balance. XXXX such example is show below. 
1. On XXXX/XXXX/16 during the day my account balance fell below o. 
2. By that night had deposited {$200.00} and had brought the balance to positive {$54.00} - Proof is in ATM receipt attachment 3. However above referenced deposit was overlooked and was charged XXXX overdraft fees on same day = XXXX/XXXX/16 of {$34.00} each totaling to {$68.00} resulting in my account going negative again.Proof is in second attachment 4. Fortunately has a tax refund the next day which saved additional overdraft charges. 
I spoke with Chase customer service at different levels to get this addressed but I was given various technical reasons and nothing was done. I am going through an acute income reduction chase and would appreciate if this issue could be resolved and account funded back with this incorrect {$68.00} overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18
Company: Chime Financial Inc
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I received four emails from Chime in the course of two days : welcoming me to Chime, a direct deposit form, something about a login occurring on my account, and today ( XX/XX/XXXX ), something about a debit card getting mailed to me. I did not apply for a Chime account, and I did not order a Chime debit card. 

I called today ( XX/XX/XXXX ) and the rep asked for the last 4 of my SSN and my birthdate. I said no, and can't he just look up my email address to see if it is being used by an account. He said he could not. He said to contact the support email address and ask them for help. I did that, and I got an automated reply, telling me to click a link to speak to an agent. I am not going to click any links, and never before has a support email directed me to clicking a link to speak to an agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: JPMORGAN CHASE & CO.
State: FL
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX 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 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
My XXXX XXXX XXXX mother recently XXXX away. As the executrix of her will, I am SHOCKED at the fact that she had 21 credit cards at XXXX XXXX XXXX and on fixed income. While I completely understand her responsibility in this situation, I am absolutely APPALLED that the credit card industry - and in particular some of her creditors including this Capital One Bank - saw no problem with issuing multiple credit cards to someone in that financial situation. Where is the accountability? Where are the controls? Do they even bother to run a debt to income ratio to see whether the customer can afford yet another minimum payment? Even if you assume all the cards are small enough to only have minimum payments of {$25.00} ( which was not the case here ), that is over {$500.00} per month for someone on fixed income. And XXXX knows what the interest rates were on all these accounts. 

Now, as executrix of her estate, I am getting collection letters from a recovery agency. At the interest rates these lower level card providers like Cap One charge, my mother has likely paid hundreds if not thousands of dollars more than borrowed. And they are trying to bully her heirs into paying them more. If you are giving multiple cards to someone that can't afford them, you really ought to take the loss and move on, rather than further torture the family, don't you think? You took a risk - a bad one - by issuing all these cards to someone vulnerable that couldn't pay them all back comfortably. She had a problem - and this company ( Capital One ) and many others took advantage of her vulnerability. And oh, by the way, she died from a massive GI bleed - likely brought on by XXXX. Gee, I wonder if the fact that she didn't have enough money to pay for food because of these reckless card companies practices had anything to do with that stress? 

These companies need to be held accountable. I work in this industry and we always talk about the elderly and vulnerable being taken advantage of by individuals - who is saving them from the likes of Capital One bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2022-04-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I settled my debt with XXXX consumer in XXXX of 2021. During the process I was told that my account would be removed from my credit report following payment, as it is reporting delinquent. I had submitted multiple disputes through all three credit companies with supporting documentation. The reporting has been removed from my XXXX report but not from XXXX and Equifax. Beyond the settlement, XXXX was subject to a lawsuit that agreed to delete defaulted loans, in which my loan meets the criteria. I am under substantial emotional stress as a result of this delinquent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been asking since the day it appeared on my credit report. I have filed multiple disputes and requested all applications and statements for this account. This account is not mine and never was. I have a lock on my credit and several additional hoops are to be gone through in order to even apply. This again is not mine and never was. They keep selling the debt and ignoring any and all requests by me. 

MIDLAND FUNDING

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: LEXISNEXIS
State: IL
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:
LexisNexis is claiming to need my identity information to send me the results of a continuing investigation. I requested an investigation XX/XX/2018, they sent without identifying information the results on one item from the list below. Lexisnexis continues to report unverified information to my credit file in violation of FTC regulations and not requiring ALL consumers provide this info. 
Additionally, LexisNexis has violated the FCRA 30-day regulation. The following items in question should be removed from my credit report. 

US BKPT CT IN XXXX XXXX not mine US BKPT CT IN XXXX XXXX not mine US BKPT CT IN XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: CarMax, Inc.
State: NC
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company was reported on my credit report on XX/XX/2022 for the amount of 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 2023-10-18
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Huntington Bank of XXXX, Ohio initially locked and then closed my account without any warning. I believe it is due to my XXXX status. They refuse to provide a timeline for when a check for the funds that I had at the bank will be returned via check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: CL Holdings LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
Name-Jefferson Capital system Amount - {$770.00} XXXX XX/XX/XXXX Name-XXXX XXXX XXXX Amount- {$0.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: VA
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 is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Giggle Finance Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was funded on XX/XX/XXXX, I fell behind on payments due to unexpected unemployment and needed to revoke XXXX authorization to avoid overdrafting. I made manual payment of XXXX in XXXX, and did not reinstate XXXX authorization. However on XX/XX/XXXX my account was automatically debited {$450.00}. This is the equivalent of SIX payments. I was given no warning of their intent to do this beforehand, just a text message after the fact. I questioned why my account was wrongfully debited and received no answer as of yet. 

The company makes no effort to communicate with me until AFTER they have already taken wrongful action. 

( In the below photo from XX/XX/XXXX you can see that they have requested for me to send an email and reinstate XXXX authorization, I did not do that. They made no mention of taking six payments out at one time. )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
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: Account information incorrect

Complaint:
Equifax isnt updating correct information on all my accounts. XXXX and XXXX  has the correct balances. Since Equifax isnt updating my credit score is way lower than the other two. Equifax has numerous inquiries listed on my credit report that arent authorized by me. What is going on? Having negative information on my Equifax report is making it hard for me to figure out why its not updating on their end. Where all these inquiries coming from.

Company response to consumer: Closed with non-monetary relief