BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-07
Company: First Equity Mortgage Bankers, Inc.
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We began the process to purchase an apartment and signed an purchase option on XX/XX/XXXX. We submitted the application to the loan originator and in XX/XX/XXXX we received a Loan Estimate for a loan of 90 % of the Purchase Price that was the loan that was discussed with the loan originator. All documentation required was submitted to a loan that were pre-approved before we initialize the purchase process. 

On XX/XX/XXXX, and because the appraisal was received for a lower market value amount of the original Purchase Price, we agree with the seller and submitted an amendment to the Purchase Option Contract to reflect a new Purchase Price. After that change we did not receive a new Loan Estimate from the loan originator. 

The process continue and after all updates and documentation provided we received a call from the loan originator officer on XX/XX/XXXX that the loan was approved by the investor at 90 %, as primary residence, but the PMI insurance rejected the coverage due to the condominium can not be insured as primary residence. They give us the alternative and sent new Loan Estimates with loans at 80 % which represent a significant larger amount from us and differences in the closing costs from the original one.

I think is important to add, that from the beginning we made clear that we were not interested in a 80 % loan, so was for us a surprise that at the end of the process they are saying that we have approved a loan that can't be close and feel that we were tricked in the process. We rejected the new loans offer and we are losing the opportunity to buy the apartment. After the rejection of the new loans we had not received comments from the Mortgage Originator.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 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 2023-01-06
Company: Experian Information Solutions Inc.
State: TX
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I have reached out to Bank of America to have a statement added to my report, showing that the late payments were due to XXXX related immediate family death. Have reached out to CEO, twice. The missed payments have significantly decreased credit score.

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 2023-08-11
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was taken XX/XX/XXXX and I reported this. On XX/XX/XXXX {$500.00} was taken my that card and I reported a dispute on that on XX/XX/XXXX. Cash App refuses to return the money and I have reported it several more times. I also declined a request for {$80.00} on XX/XX/XXXX and they refuse to release the money. I still have not received the money and have made several attempts without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 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 2023-08-28
Company: Foris DAX, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have tried to use my XXXX  Crypto.com card at atm to get my money out as well as trying to send my money to any other accounts I have with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and none of them work. My physical card I have is one that had worked for quite a while but t then it just stopped working! I come to find out it was because somehow the CVV code and the expiration date of the physical card had been changed and not by me! My ATM PIN code also quit working and the option to change my atm PIN code in the crypto.com account portal disappeared. I have ever able to try to transfer money to people in my contacts because of needing to use a XXXX authorization code which I couldnt make work. It is required to use an authentication app on my phone and it never worked. I asked for help multiple times about this to the company and all they would do is send me instructions on how to set up the XXXX which never would work for me. I am literally XXXX  from stress and need help to get my money out! I have XXXXin my account. My name is XXXX XXXX and my phone number is XXXX XXXX. My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Business Financing Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a text message from a debt collection company, included below. They are searching for an individual who I do not know. We only share a last name. Gave many details about debt. 

XXXX XXXX, We are the collections firm retained to handle your account on behalf of our client XXXX XXXX XXXX XXXX, regarding your business XXXX XXXX XXXX XXXX as it is now in default status : Date of default : XX/XX/2021 Default Balance : {$48000.00} A payment must be made and a payment plan must be set up with our office to avoid legal proceedings. 

Please provide the last three months of bank statements for review. 

Give me a call at the number below, or send me an email back, to discuss your account and get this taken care of and avoid litigation. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never received any collection notice for these two supposed collections from XXXX XXXX. I paid off my debt with Synchrony so I'm not sure how this collection came to be.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, 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 's 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ate Filed/Reported : XX/XX/XXXX Reference # : 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 2019-01-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
this is my 3rd complaint on same acct-continues complaint # XXXX & XXXX.for 5 yrs since our mother passed away we have tried to get jpmorgan chase to close her acct and forward monies-court order instructed them to-well they never do-they keep ans your inquiries saying oh yeah this will be handled-then contact us because they '' never received '' documents faxed to them-we have confirmation it was sent-Every day another reason to delay to obstruct-lies like u can not believe ex : given one fax # on chase ltr but on further inquiry told to send to diff # -ex : all documents sent from chse come to our correct address-except chks-that means we have to fill out forms to stop payment on chks not received-except chase recently admitted they have those chks-why not just mail them to correct address??? so forms filled out faxed THREE wks later told we are missing those forms forms we have fax confirmation on.look i could go on and onthey have no intention of ever releasing these funds, always given yeah its gon na be done-always replying to you matter being taken care of-then telling us more needed more needed ever more needed-they never tell this office that all i know is im becoming-at almost XXXXyrs old-a chase gopher go here do this run there etc-and its really driving me and my brother ill i have XXXX XXXX  XXXX  XXXX XXXX but eh-they drop the ball and i always have to scurry about because of that not fair is there oversight is there justice please help were drowning

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am extremely concerned with Bank of America 's discriminatory policies directed towards members of the gun industry. These efforts create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. No American should be treated as a scapegoat for someone elses crimes. 

Thank you for your kind attention.

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 2019-03-26
Company: EQUIFAX, INC.
State: TN
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:
I had sent in a complaint concerning my account. This account is closed but XXXX is still showing late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: PNC Bank N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been an outstanding PNC Customer for many years with several accounts : On XX/XX/XXXX I was appalled to receive 5 ( five ) letters dated XX/XX/XXXX, that all of my accounts would be closed as of XX/XX/XXXX without any prior warnings! It was a hardship for me, transferring funds to another Bank, setting up new Direct Deposits, and not being able to use its Telephone Banking.

In the past, I had to bring discrepancies to its Customer Service and also to the Executive Office, whose Manager " XXXX '' only wanted to handle a dispute of {$24.00} XXXX Credit Bureau charge, by canceling my Credit Card in order to send me a new one, which would take several days. I then decided to take care of it myself in lesser time. 
I also had an unauthorized charge of {$210.00}?, which a XXXX XXXX refused to delete, and it seems that PNC passed this amount on to the Credit Bureau as owed. I tried to give XXXX XXXX more information, which she refused, however, she " did it her way ''. Receiving a letter from her, I noticed another mistake ( although, I had advised her. She promised to send me the corrected letter, which I never received. 
I also noticed that I overpaid the PNC Credit Card, and I never got the funds, they owed me from XX/XX/XXXX. 
Summary : I helped and corrected many more mistakes, I could mention, i.e. not deleting my husband 's Credit Card being Joint owner, upon his Death in XX/XX/XXXX, although I presented a Death Certificate in XX/XX/XXXX, and it took PNC 18 months to delete it. 
I never dealt with a Bank, making so many mistakes, which I had to bring attention to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2023 letters were sent out to the bureaus to correct inaccuracies on my credit report. Incorrect names, addresses, phone numbers and employers were listed and I asked for the removal and deletion of these items. There were also unknown inquires listed that I do Not have an account for and are unaware of who requested these inquires without my written consent. I want all these inquires deleted as stated in my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Kelsting Group, Inc.
State: CA
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 was contacted by a notice by PACIFIC CREDIT SERVICE attempting to collect a debt that I never contracted or agreed to pay. They reported negative and defaming information beginning XX/XX/2019 on my credit report. I sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their ACTIONS. I have challenged the accuracy and integrity of the information. Please help me in getting this resolved asap. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 
12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I disputed items off my credit report with no response over 60days ago. Iwas XXXX when these things occured on my credit report. i sent letter stating that. 


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 2022-01-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Haven't receive any response from them. It has been over 30 days. this is causing me lots of stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: RFNA, LP
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all three Credit Bureau/Agency ( XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX, ( 2 ) Republic Finance ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
To whom it may concern, I am having issues with Equifax and XXXX regarding my credit score. 

My credit score with Equifax and XXXX dropped XXXX points from XX/XX/XXXX to XXXXXX/XX/XXXX.I reached out numerous times to both companies and they refused to assist me, only giving me the credit report but not telling me what changed in my credit rating. It is interesting because I am preparing to buy a home, therefore I have not in the past months opened a new credit line ( any loans whatsoever ), I have maintained for years now a credit usage below 3 %, my salary has increased, and my outstanding loans ( student loans and auto loans ) have decreased in balance. 

I have been trying extremely hard to understand from Equifax and XXXX what new information caused them to drop XXXX points with XXXX success. 

XX/XX/XXXX and XXXX, both have me rated between XXXX and XXXX, which is where I was with Equifax and XXXX until they decided to lower my score XXXX points and can not explain to me why... 

Equifax and XXXX are preventing me from obtaining a loan for a home ( would be my first home ) because of their poor credit rating whenever they can not substantiate their reporting. 

I beg for assistance, they keep sending me to different departments and no one ever helps me... 

Regards, XXXX

Company response to consumer: Closed with explanation