BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I applied for a job and they sen me a check to be cashed and become   XXXX   XXXX   XXXX  . I had no idea that this company was fraudulent and that eventually the check would turn out to be a fake, due to the fact that Chase Bank cashed the check and allowed me to make withdrawals. I was a victim of fraud and it costed me my bank credibility. I filed Chapter  XXXX  Bankruptcy in hopes of clearing up the matter and that someday I could again obtain a regular checking account. I am in need of a clearance so that I can have my  Retirement  Check directly deposit to a reputable bank. I cleared up any old debts that I had and still can not obtain a decent clearance from  XXXX . My regular Credit Report scores have gone up and I have few debts. I even took care of all of  my Student  Loans. I filed Bankruptcy  for Chase ,   XXXX    XXXX   XXXX  even though I was the victim of fraud ; I got nothing out of it except loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, 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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Minto Financial dba Minto Money
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I pulled out an account for {$840.00}. I have paid off the original amount but did not realize they'd be charging an insane amount of money to credit me {$840.00}. I will be charged over {$5000.00} just to borrow {$840.00} I have already paid back. I do not see how this is legal and it is definitely predatory. They advertise easy payback methods but will continue to pull money out of my account to cover an amount I never borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an disputed balance Capital One refused to investigate in XX/XX/2023. I paid the account in full and closed the account because of this after being a loyal customer over XXXX. Days later They re-posted the disputed amount of {$1300.00}. I paid it off and then they added late fee {$25.00}, which was waived due to my payment history. 30 days later, they add another {$4.00} special interest fee, then charged XXXX cent, then another late fee. I was told on each occasion the small amount would get waived, but then they charged another {$5.00} late fee on {$4.00} balance and refused to honor what last CSR said. Now the " closed '' account state I owe {$9.00} and appears they are refusing to settle the account which is threatening my credit rating. The last person I spoke to refused to credit the account and told me, the credit I was promised, was not guaranteed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: NY
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. 

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 XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: MO
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:
Fraudulent credit inquiries through XXXX and Equifax. 

XXXXXXXX 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 2021-06-01
Company: United Revenue Corporation
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 have mailed documents to United Revenue Corp several times and have asked the debt to be validated, not verified. United Revenue Corp has failed to respond within the 30 day mark. XXXX XXXX 2021 I asked for the debt to be validated. XX/XX/2021, I mailed documents showing the incorections to my credit report, also the proof that the documents were signed and received and also that I never received a response back. XX/XX/2021 I still have not received any response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a credit card through Wells Fargo that I had reported for fraudulent activity. The card was closed and another account was open ( as expected. ) However, I was never notified of the new account and it did not appear on my Wells Fargo account, thereby removing the option of paying my card through my Wells Fargo account. This is a direct violation of their written contract which states, " pay in mail or through your Wells Fargo account. '' I did not receive any mail notices until late XXXX, when my account had already been closed due to missed payments, which I again, were never notified about. I literally found out the account was closed due to my credit score dropping dramatically. I need help, as one man, to fight this giant, too big to fail corporation. I just want to repair my credit score, I will pay the principle and interest payments I have accrued. This is what I agreed to and I will abide by what I agreed to, unlike Wells Fargo.

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 2020-05-22
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2020 I have disputed a bankruptcy that XXXX XXXX is reporting that they verified first hand from the XXXX District Court. I have attached documentation from the XXXX Court that they Do not report to any third party agencies. I have also disputed the bankruptcy information that XXXX, Equifax and XXXX is reporting as the information was verified by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - XXXX XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX OF XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/2022 XXXX ( XXXX ) - ( XXXX ) XX/XX/2022

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 2017-10-05
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently experienced hail damage on my roof in XXXX when a storm came through XXXX. I filed a claim with XXXX XXXX on XXXX/XXXX/XXXX. After the adjuster came to the house a final report was completed and a check was issued and mailed to me. Per my instructions, I forwarded the check in the amount of {$6100.00} to my 2nd lien holder ( XXXX XXXX ) for endorsement after a couple of weeks of waiting, I called in to check status and was told that my mortgage had been service transferred to XXXX XXXX XXXX ( " XXXX '' ) and that they had forward the check to them for endorsement. After waiting a couple weeks for the transfer to take place I started calling XXXX to check status. Day after day, week after week, they continue to tell me that they were still receiving mail from XXXX and that they had n't received the check. After two months of waiting, XXXX advised that it appeared the check was lost and that I should have XXXX reissue a new check. As such, I contacted XXXX and they put a stop check on the original check and reissued a new check. On or about XXXX/XXXX/XXXX, I received the new check and sent it overnight directly to XXXX for endorsement per their instructions. I followed up a week later to check the status of the check, and was advised it was still in processing being endorsed and it should be completed within 2-3 business days. On or about XXXX/XXXX/XXXX I followed up a week later and was told the proceeds had been wired to Nationstar, my 1st lien lender. So I called Nationstar, and was told they had not receive any proceeds and that they did n't even accept wires. I called back into XXXX, each time holding anywhere from 10-30 minutes for a representative. This time, I reached XXXX ( ID XXXX ) who advised that a check had been sent regular mail to Nationstar on XXXX and I should give it 5 business days to arrive. After waiting a week, I called Nationstar, and of course they had not received it. I called again a few days, later, still no luck. Finally, today on XXXX, after calling both companies twice to check status, I finally got XXXX ( ID XXXX ) at XXXX to do more research and tell me that they had sent the check via XXXX on XXXX to Nationstar. I confirmed the tracking number online and confirmed that XXXX XXXX of Nationstar had signed for the package. It has been almost three months since the first check was issued, I still have no proceeds, I have had to reschedule the roofers twice, I have sustained additional damage to my interior due to holes in my roof and the subsequent rain storms that are now not accounted for in the adjusters report. I am beyond frustrated and desperate to get this resolved, but have no way to get any help and each servicer just keeps pointing the finger at the other. I have no other ideas other than to ask the CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. 
2. My Address : XXXX XXXX XXXX, XXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX. 
SSN : XXXX Address : Your XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Enclosed : copy of State ID and Utility bill showing proof of address

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 2023-04-29
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( I have contacted the CEO via email which I have attached asking for removal ) 15 U.S.C 1666B : A creditor may not treat any payment on a credit account under an open end consumer credit plan as late for any reason.

I have tried not to take this route however, due to these 2 late payments my reputation and character is being question damaging my opportunity to obtain a home for my XXXX & I. I am a hard working XXXX  mother just trying to get by. I have built a great relationship with XXXX and would like to continue this. Please help me. 

I have reached out to EXPERIAN, XXXX, and XXXX and have not been assisted.

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 2023-06-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
While in the process of preparing my deceased parent 's home ; hurricane Ian struck. 
A claim was filed and money to repair home received by Fifth Third Bank on XX/XX/2022. 
The family has not received any of this money for the repairs. 
While waiting for the repair money more damage was done to the home. 
The home and the deed are in the family trust. 
The bank has sent a check to an entity that does not exist instead of to the trust. 
The trust account is held at XXXX XXXX XXXX and they have asked for the check to be made out to the name on the trust. 
Fifth Third bank refuses to do this. 
They also will not cash the check at their own bank. 
They have had the insurance money since XXXX. 
This seems to fraudulent to hold insurance money that is not their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2017-05-09
Company: U.S. BANCORP
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
We received a confirmation letter on  XXXX / XXXX / 2017  from  U S Ba nk stating that the loan amount has been " fully satisfied ''. We expected that a timely receipt of a clear title would be forthcoming given that the {$58000.00} was received b y U S B ank. We have contacted th eir Consumer Loan Service  Payment weekly to no avail.

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 2022-06-10
Company: EQUIFAX, INC.
State: WA
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, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The compliant is my mortgage payments are not being sent to the three credit bureaus. Shellpoint mortgage states since I was in a bankruptcy, and discharged they would not report my payments. The representative stated, I would have get a home modification loan or refinance the loan. This makes no since, my loan will be paid off in XX/XX/XXXX. Shellpoint purchased this loan from XXXX. XXXX immediately started reporting payments after I was discharged in XX/XX/XXXX. I tried talking to XXXX to make sure Shellpoint received all the required documents. XXXX representative XXXX stated that all the rules should be the same for mortgages ; but I would have look into it. XXXX stated that all documents were sent to Shellpoint. I had the same problem with XXXX when my Chapter XXXX Bankruptcy was discharge and I had to notify CFPB to rectify the problem. Shellpoint loan number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is a consumer reporting agency as defined in the Fair Credit Reporting Act 15 U.S.Code 1681a ( f ). Ive tried disputing this inaccurate info before and to no avail. My consumer rights have been respected, as a Consumer Reporting Agency you have a vital ( life or death ) role in assembling consumer credit, with a need to ensure its furnished with fairness and respect to me. 15 U.S.Code 1681b ( 2 ) says you need permissible purpose and I never gave written consent for it to be there. My privacy under the GLBA 15 U.S.Code 6802 ( b ) ( 2 ) I was never provided an opt out option from you or any other financial institutions. BLOCK/REMOVE this information in accordance with 15 U.S.Code 1681c-2 ( a ) it doesnt relate to me XXXX XXXX, as I am a Consumer/Natural Person. ACCOUNTS XXXX. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( # XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief