BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: EQUIFAX, 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 have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a customer with XXXX. I have a checking account with them since XXXX. I use the online services. I have set up an external account with XXXX XXXX for ACH transfer into XXXX account within their online portal. I have made several external transfers in the past with no issues. I made an external transfer on the XXXX online portal for the amount of {$1000.00} from XXXX XXXX  into XXXX. This was done on XXXX. On XX/XX/XXXX - the fund of {$1000.00} was withdrawn from the XXXX account. These funds were taken from the XXXX account via an ACH from XXXX. These funds were never posted to the XXXX account. I have called XXXX 8 times. Each time they state that the middleman has the money. ( I later found out the middleman is the XXXX warehouse ). Supposably they reversed the transaction on XXXX to send the funds back to XXXX XXXX. For some reason they were unable to post the transaction. They told me to wait three days. When I called XXXX after the three days - they told me it is a XXXX XXXX issue. I have now called them 8 times. Each time it takes over a half hour to explain the situation. Once you get to the correct person, they tell you it is not a XXXX issue. It is an issue with the middleman and to call XXXX XXXX I then call XXXX XXXX and they are unable to do anything because they have released the funds to XXXX. 
It is now a over a month and the {$1000.00} is missing. XXXX is unwilling to do any type of fraud report. nor do they give any suggestions to resolve the issue. There must be some type of protection for the XXXX in this type of electronic transaction. 
There is a clear transaction history of the XXXX withdrawal on the XXXX account debited on XX/XX/XXXX for {$1000.00}. XXXX- once you get through the levels of the phone representatives are able to see the transaction. However- no one can tell where the money is nor are they willing to tell you how to get the funds. i am banging my head against a wall.

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 2021-12-28
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Although my payments are exemplary and so is my credit history with American Express, they continue to bully me through emails to increase my payments to them. They threaten through emails to not approve further purchases if I do not pay more toward the card. I have several cards including a XXXX XXXX which they recently sent me a letter to cap spending. I do not have a problem with that but I do have a problem when I have {$1300.00} available credit and I receive a threatening email from them to not approve further purchases. I also have a small consulting firm with an Amex card paid in full each month. The harassment has become intolerable. Although I have used their tools to manage these emails, they must have me on a list of their own and I am unable to stop these emails. If I send them a letter, they retaliate in some way to make use of my cards almost impossible without receiving their nasty emails asking me to pay more or threatening to not approve charges. All of my cards are in good order, paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Ocwen Financial Corporation
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. 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 severe financial and emotional distress that 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 2020-12-23
Company: LD Holdings Group, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sold my house in XX/XX/XXXX and am owed an escrow check of {$290.00} I did not receive a check until XX/XX/XXXX and was unable to cash it because the check was expired. I was told a replacement check was reissued XX/XX/XXXX I have called 3 times to ask where the check is they keep putting me on hold and hanging up. 
The Company is loan Depot, my loan number is # XXXX my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: CITIBANK, N.A.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/2023, a Flex Loan was taken on my Citi Bank credit card without my authorization, then sent to my XXXX XXXX  checking account and directly sent to my XXXX XXXX  account and from there disappeared to someone named XXXX XXXX XXXX. 

It was done in a matter of a day and then completely disappeared. Citi Bank is saying that we need to pay back the Loan and keeps adding interest every month at a very high rate.

I don't know where else to turn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX ate opened : XX/XX/2016 Balance : {$2000.00}, and XXXX XXXX XXXXXXXX Date opened : XX/XX/2016 Balance : {$13000.00}. Please remove.

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 2018-04-27
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After XXXX yrs with previous cell phone carrier I recieved solicitation to switch to XXXX for better rates, service and product. I quickly found this all to be a lie and false on all accounts. Due to immediate billing errors my account was disconnected for none payment several times before i even recieved my first bill and maybe a few days after recieving my device. This after making deposits/payments upon initial setup and after I turned in my equipment. I immediately notice things like the inability to use the internet or navigational system while on a cellular call which i was told was a device or setup issue then later told it was a function that XXXX didnt offer after I passed the window of refund. I continue to experience billing errors because the account was setup wrong, disconnection and restoral charges from what they call system errors from improper intial disconnections, ignored payment arragements, etc. I was told that credit would be applied for the errors but pay the bill with billing errors or my account would be disconnected agein.This went on and credits were never applied and errors continue.. Finaly, I had enough of this nightmare, was instructed to return the equipment to their store. After this was done, they charge me over {$2300.00} ( including full balance for returned equipment ) and I was told that this was the accelerated balance for terminating the contract for terible service. They said its their policy and I was attached by XXXX collector and the balance was placed on my credit reports. After months of dealing with the collection agencies bulling and XXXX pretending they cant find the returned equipment-do I have the reciept from the store. I was told by some who said they were a corporate manager and he laughed at my experince and said if I wanted this to go away I should pay the bill regardless of terible experience, account billing mistakes and returned equipment charges that they also added to the false billing. He told me this was the company policies regardless of what consumer experience or reason for terminaton. The bill include over {$1200.00} cancellation charges, over {$400.00} in additional equipment charges for returned equipment almost {$700.00} in false billing and errors. I was told to pay then they will review it and maybe refund my money later or " IT WILL STAY ON YOUR CREDIT REPORT! '' and collection activity will continue. They then offered me a {$200.00} reduction if I settle and pay the remaining balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
HSBC is selling it's branches on the XXXX XXXX to XXXX bank effective XX/XX/22. 
They are keeping depositors that have at least {$75000.00} in their accounts with HSBC instead of transferring them to XXXX  if the account is labeled as " XXXX ''. 

I have more than the minimum in my accounts with them in an " Advanced '' account. HSBC states that the account must be labeled as " XXXX ''. I have asked them to change the account to XXXX and they have refused saying it is too late. I did this early in the year when they announced the sell off of their branches. 
My complaint is that they should not have kept the date to switch to " XXXX '' secret. This would have allowed depositors time to make the switch. 
Also, when I ask details about my existing automatic deposits and payments, 7 year history of transactions and my list of payees for checks and if all of that would transfer to XXXX bank, they state they are not sure. They want me to wait until sometime before XX/XX/22 for that information to be provided. This is completely unacceptable and is a poor way to treat depositors who have been with them for decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Hello, I applied for a modification due to a financial hardship ; for two  decades I have been a XXXX  XXXX. Two years ago I suffered an approved XXXX XXXX, which has changed my ability to work and my finances. Bank of America approved a loan modification, and sent me documentation that stated the modification was {$1.00} ( XXXX dollar ) more than my current unmodified loan ( which I am current on, and have had for approximately 3 years ). XXXX dollar did not seem to be significant. I examined the details of Bank of Americas documentation for the modification ; they did not disclose the apr, the term, or if an escrow account ( for property tax and/ or insurance ) was included in their proposal. Next, I called Bank of America ( on a recorded phone call ) to illicit these necessary details from one of their loan officers or a supervisor. Bank of America refused to provide me with any of the aforementioned. The banking representative told me essentially, either you accept or you dont. I refused to accept because I did not know and was refused the terms of the modification ( for instance, the APR : it could be more or been variable, the term/ period in months was also unknown, and the modification could have included a balloon rider ). After refusing the modification, I immediately notified a HUD officer who assisted me with this process. The HUD officer was also, et with the same abruptness from B of A and purposeful lack of details. 

the next week I received an invoice in the mail from B of A. I was notified that my existing home loan now an an escrow balance in excess of {$1000.00}. ( This was puzzling to me because both my property tax and insurance were current, and both paid from Bank of America accounts ). I investigated the reason for the escrow, and found that because of the modification inquiry, B of A ( without my permission ) contacted my insurer ( XXXX XXXX ) and paid the remaining portion of the insurance premium ( from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  ). B of A did not send me any notification that they were going to do this nor did they have my permission. Furthermore, this action should not have occurred, especially because I DECLINED their proposed modification. Both actions by Bank of America are not okay. I also feel that bank of Americas acts here are indicia of lack of transparency, predatory lending practices, and are intimidating.

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 2021-12-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Bank notified me that they were closing my account effective immediately. They closed my XXXX, XXXX, XXXX, and all my credit cards. 

They said they would mail me a check. They did not. Now they are holding onto all my funds in all my accounts because they said I had XXXX party deposits. I was not aware of anyone sending me funds that were not in my name. All I provided to my customers was my Routing number and Account Number. Now Chase is holding onto all my money in both accounts and they have not sent me any communication. The only way I know about this is because I was expecting checks and they neve came.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: TX
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:
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. 

Account Name : 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 has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: NY
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've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/19 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late date from this account : 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 2020-11-23
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: Information belongs to someone else

Complaint:
I have discovered information in my credit report, which is not mine. I would like to immediately dispute and have investigated. I think that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation