BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: TX
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: GA
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX  account # XXXX and XXXX  account # XXXX  .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 has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My name is XXXX XXXX, I'm Chase bank business XXXX XXXX XXXX XXXX ) account holder. I recently went to chase Located at ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) and get a cash withdraw of {$45000.00} dollars on XX/XX/2022 at XXXX. Two hours later after I left the bank, someone from that chase bank called me says they give me {$4000.00} dollar more in that transaction. I told them I didn't know if there is {$4000.00} dollars more in that bag because I didn't count those money while I was at the counter with that bank teller, I just grab the bag with money inside and left and hand it direct to my construction contractor. I then called up my Construction contractor and he say that there is not extra money, it was {$45000.00} even. I told the bank teller about it over the phone. and they say they going to call me the next day which suppose on XX/XX/XXXX XXXX but which no body does call me. After two days later on XXXX XXXX, they put a MEMO debit on my account and debit {$4100.00} dollars from my bank account without my permission. I then call the chase phone number located back of my chase debit card ( XXXX ) and spoken with one of the Rep about it. They ask me to call back the next day which is XX/XX/2022 regarding this issues, because they don't have any information about that MEMO Debit currently .After I contact with the bank they are not willing to adjust the issues. In my personal point of view this is totally not legal because they can't just take money out of my account without my permission and contact with me or doing investigation on it. What if they told me they give me {$100000.00} more and just subtract it from my account without letting me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-07-14
Company: Frontline Asset Strategies, LLC
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:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: NV
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-11-27
Company: EQUIFAX, INC.
State: MI
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: Chime Financial Inc
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Several months ago, I called a home to cancel my account with them. I requested that both my debit card and credit card be cancelled. They confirmed they would do this on the call. They successfully closed my debit card account at that time. Several months later, I pulled my credit report from XXXX and found my Chime credit card was still an open trade line. I sent XXXX emails between XXXX XXXX and XXXX XXXX. Each of those emails received an automated reply to send an email from the email address connected to my Chime account. Because I no longer have access to my Chime account from deleting the debit card, I am unable to do this. They do not respond to this explanation and continually repeat the same auto response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
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:
hello XXXX XXXX XXXX XXXX and im trying to buy a house and build my credit but because of the inaccurate information under 15 U.S.C 1681, the banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. THIS IS A DEFAMATION TO MY CHARACTER AND ITS REALLY DAMAGING PLEASE FIX IT.

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 2023-04-18
Company: Self Financial Inc.
State: CA
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:
Obtained a Self XXXX XXXX account, which allowed me to open a credit card using the money accumulated from the credit builder account. I fell on hard financial times in XX/XX/XXXX and no payments were made so the company closed the credit card for no payment for 80 days. I made one last payment in an attempt to not have the card closed because I had it for 2 years but I was to late and so a previous balance has been held from a prior credit-builder account that was used to pay off the remaining balance. The maturity date for the credit builder account was XX/XX/XXXX, I made all those payments and received an email stating that I would receive XXXX minus fees but the problem is that I was already charged for those fees through their billing process and the credit card was paid in full based off the statements from Self. I was double-charged in the amount of XXXX, and I received {$440.00}, In my attempt to resolve this matter, I experienced unprofessional services and received two phone calls at XXXX in the XXXX XXXX standard time from representatives at Self. An email from a supervisor that shows the breakdown of charges reflected the doubled billing of interest, late fees, and return item fees but I have the billing where I paid all those charges within each billing cycle that I may have been late with. Self also continues to provide a statement to the credit card account even though the account is closed ( XX/XX/XXXX ). I haven't been able to resolve this issue because Self believes that the withholding is correct but the billing statements show that I already paid these fees and I am not willing to accept a {$50.00} gift from XXXX. In attachment shows when and where I paid when I was late with my payments, I don't understand how at the end of term all these fees come back. I also paid for an expedited payout at the end of the term ( XXXX maturity ) and payment wasn't processed until two days before the initial close date so I don't see how that was expedited payout.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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:
In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-12-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A discharge of indebtedness because of a decisi or a defined policy of the creditor to discontinue collecti activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. XXXX in box XXXX to report this identifiable event.

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 2023-12-12
Company: LD Holdings Group, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I sent a wire transfer for the payoff amount provided by loan depot on their payoff request statement in the amount of {$13000.00} on XX/XX/2023 at approximately XXXX XXXX cst as per their instructions with the proper documentation. 

On XX/XX/2023 I was notified by a loan depot representative that I needed to wire an additional {$1500.00} to satisfy the loan. 
So wired the additional {$1500.00} on the same day XX/XX/2023. 

I was then told by a loan depot representative on Friday XX/XX/2023 that the funds had been received, however, the funds had not been applied to the loan. 

I proceeded to ask for the funds to be applied to the loan. The loan depot representative responded and stated the funds would then be applied and I should receive a letter showing the payoff to be completed within XXXX business days. 

One week later on Friday XX/XX/XXXX, I called to check the status of the loan as I had not received notification of the loan being paid off but a late payment notice. The loan depot representative assured me the funds were being applied and to not worry about the late notice. 

Today, XX/XX/2023, at XXXX cst. I called to check the status of the loan and the representative said I needed to request a new current payoff amount and wire that full payoff amount as they rejected my original wire in the amount they asked me to pay. I notified the loan depot representative that I had not received any of the the money ( {$15000.00} ) back I had wired. 

I proceeded to ask when they sent it back and the loan depot representative could not answer. 

I am sitting in my bank now with all of the paperwork from both wire transfers and the bank verified the funds have not been returned or rejected. 

I feel like I have done everything correctly in including sending multiple wire transfers at {$20.00} each due to what appears to be their mistake. I have been robbed of {$15000.00} and am powerless to do anything about it. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: ADP Inc.
State: SC
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received an email that a peer transfer was completed in the amount of {$770.00}. I immediately called the bank and told them that it wasnt me that completed the transaction. They told me they dont have the ability to offer me a credit for what happened for XXXX days once the investigation is over. They also couldnt complete the dispute process because they said it didnt show up in their tool so I would have to be called to complete the dispute. They locked my account, and I have no access to my funds and only communicate through mail. I spoke to multiple people and hung up on and was finally able to get transferred to a supervisor who also says i cant get any money until the investigation is over which can take XXXX days which is against my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2022 I received a check in XXXX XXXX sent by Bank of America ( BofA ), {$6600.00} USD, already expired due to the large time that it takes when the cheapest postal service is used ; I asked BofA to send me a second check and use air mail service, but they told me that they could not the mailing rules of this bank. After 45 days I received this document and after the endorsement by my wife and me it was deposited in the account of a friend in XXXX, Texas, but after a great effort trying to get clear approval, this bank did not help me. A further check was issued and sent by the land service, but it was robbed by a thief in the XXXX, and cashed in a XXXX XXXX branch ( unfortunately without our endorsement signatures, was quickly cleared by BofA ).

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 2023-02-27
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company failed to pay my windstorm premium out of my escrow account. I contacted them in XXXX of XXXX when I received a letter asking for payment. Loan Depot told me that this was an error and that they would contact the insurance company for the invoice and get it paid. I also emailed Loan Depot the invoice. The premium was never paid so my policy went default. The insurance company called to let me know that I was no longer covered because Loan Depot never sent the payment. I went ahead and paid the premium to the insurance company directly so that my coverage could continue. A couple weeks later, Loan Depot sent the company a check from my escrow so now the policy had been double paid. I again called Loan Depot to complain and they were extremely unhelpful and incompetent. The insurance company sent me a refund for the double payment however Loan Depot is charging me {$370.00} for the policy going default. It was Loan Depot 's fault that the policy went default. They sent the payment 2 months late and caused my policy to be canceled. Loan Depot is now refusing to take responsibility for their error and refund me the {$370.00}. I never got any communication from Loan Depot stating that they could not or would not make the payment. This whole situation is completely Loan Depot 's fault and they owe me a refund of {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-01-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX we refied with XXXX mortgage, XXXX {$280000.00} in XXXX XXXX XXXX XXXX bought the loan, cause XXXX XXXX belly up, then in XXXX XXXX sold to Carrington XXXX in that sale to Carrington from XXXX they raised to years from 25 to 36 years with no modification and did not inform Us of any changes in the number of years remaining for this loan to be paid off? We were told we didn't qualify for Loan Mod. We also didn't agree to change for 25 years to 36 years in our loan for no reason? who would? the loan is supposed to be paid in XXXX for some reason unknown to Us, banks have added XXXX to our loan? XXXX, and no explanation, crazy right. and every month add {$100.00} in late fees after XXXX, but I am on XXXX and get paid every third week of the month. LATE FEE NOW TOTAL {$3600.00}? IHAVE ASKED CARRINGTON TO WIAVED TO LATE FEES they refused and will continue even though I get a check every third week of the month. We need assistance in this matter. 
Issues 1. why did the years go from 25y to 36y? 
2. waive late fee, since I receive my SSDI on the third week of the month? 
what would be fair is return mortgage to 25y so it will be paid off in XXXX not XXXX as the original contract mortgage and remove all late fee and change late fee to after 30 days not 15. 
thank you for your assistance in this matter. 
XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation