BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was notified by XXXX that my application was received on or by XX/XX/XXXX for XXXX  YET still i get calls from XXXX with no messages just calls. don't think there really suppose to be calling me until the process is completed. ALSO after i complained XXXX XXXX about the clarity of record keeping or lack there of XXXX wastes time yet again by sending REDUNDANT INFORMATION i wanted the records showing when they received my documents to facilitate how do they come to the conclusion on what is timely permissible or not. I certain this fortune company is going to claim that they dont have the capability to take me out the dialer like why would one comply with FCC???? they assigned another minion who thought im so impressionable by changing the name of the messenger i wouldn't know its the same stall tactic they always use deny conflate ignore run out the clock force bogus modifications short sale you or foreclosure. why wont you show when you received my documents? Any XXXX XXXX or XXXX can produce elements as representations but since you're vetted by the government and its not a class action issue or gross blatant forced circumstance then oh well BUSINESS AS USUAL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions 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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Around XX/XX/XXXX, I called Truist Bank with concerns about suspicious charges on my checking account. I asked for a temporary hold to be placed on my account, as this was sorted out. Truist added the block to my account. This block was my idea, however, I was clear in that I wanted the block to be temporary and wanted the ability to transfer money internally between accounts. 

On XX/XX/XXXX, I call Truist to ask for the block to be lifted so that I can use the account to pay rent. I had to use XXXX to send the money, and this was the only account that could use it. The savings account, which is unblocked, can not use XXXX, but the checking account would be able to if Truist would unblock the account. I am also unable to send money between my savings and checking accounts. 

Truist refused to unblock saying that can not do so, and that my {$10000.00} is now inaccessible to me and only available at their discretion. They said they have no protocol or department to assist me and that I can not access my money. They also said they could not guarantee they would give me my money. 

This is theft. I need this money for my expenses, and denying me access to my own money without just cause is unjustifiable. This is criminal. 

I would greatly appreciate any help that you can provide, and I am happy to provide more details as needed.

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 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Complaint filed through this page. The 2 Capital One accounts listed on my report were opened more than 10 years ago. I expect these accounts to be removed from ALL credit reports. All accounts listed on report after 7 years is against the terms of agreement. This needs to be done ASAP and written actions be mailed to me to retain for my records. If a accounts are not removed from all 3 credit bureaus I will take legal action against the current holding Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was issued a 1st and 2nd loan ( HELOC ) in XXXX from HSBC for the purchase of my primary home. In the XXXX housing market crash HSBC forced me into a 'workout program ' at day 176 of delinquency which put me in a 40 year variable 1st and variable 2nd ( HELOC ) for a total principal amount that exceeded my homes value by over $ 200K! 

Over the past 15 years, my interest rates have slowly and continuously climbed up to unreasonable levels. From XXXX to present, I tried multiple times to get HSBC to convert my 2nd to a  fixed rate, because the variable rate is so high I can't afford it. My credit score is OVER 800! I would qualify for everything! 

Today, I am stuck in a pickle in which my homes value is still {$170000.00} below what I owe to HSBC, and HSBC 's answer over the last 5 years has remained ... '' Too bad, we can't help you and nobody else will consider taking you either ''. With COVID I lost my XXXX  and my family. Long ago in XXXX, HSBC intentionally put me in a position of failure, when at that time they held a fiduciary obligation to help me ... and were compensated ( bailed out ) by the government to help me as well. None of that went to me - in fact over $ 200K in interest payments from me went to HSBC instead over the last 15 years. 

I am over a barrel and even today HSBC continues to behave egregiously, and in my opinion usurious in nature - like hogs when pigs are bad enough in the mortgage industry. 

Without the help of the CFPB, I will continue to get screwed by HSBC. Please do the right thing ... Read my suggested resolution and publish it to the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Around XXXX of XXXX I called Experian and spoke with the Fraud Dept. regarding some inquiries that popped up that did not belong to me. The young lady reviewed everything on my credit report and there were also some addresses that I never lived at on there also. She said she would remove them as well. Now, I have no address reporting, not even my current address. Since XXXX, creditors have been unable to obtain my credit profile from Experian. This has impacted me both in my personal credit and business credit. I have been denied credit because the creditor can not obtain the information needed. I am currently in the homebuying process, and this will hinder my ability to purchase a home. 

I have called Experian several times since XXXX and was told they needed to verify my address with identification which they had on file from a previous dispute. They informed me it would be taken care of. These calls were around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I called again XX/XX/XXXX 2 times in XXXX day because the first person told me there was nothing wrong with my profile and for me to just give the creditor a copy of my credit report. I explained to her that they will not accept a copy from me. It does not work that way. My mortgage company tried to run my credit on XX/XX/XXXX and was not able to obtain my Experian profile.. I need help.

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 2022-06-03
Company: Experian Information Solutions Inc.
State: FL
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  Account XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I also have some inquiries on my report that I didn't authorized and unaware of. 

Experian : XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX. 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX : XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date Oct XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/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 2021-03-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
XX/XX/21 I received a fake check of {$2500.00} from an individual XXXX XXXX who purchased my item I posted on XXXX. My item was only {$620.00}. She told me to deposited the check and XXXX the refund to her daughter who she claims in college. Her account manager XXXX  contacted me to zelle money to XXXX XXXX ( XXXX ) and her husband XXXX XXXX at XXXX. Later in day XXXX  said to cancel item purchase and told me to send the rest of money to XXXX and keep {$200.00} for expens. I XXXX totall of {$2300.00} to those two individuals. Next day I got a notification from my Chase bank that the cashiers check I got from that XXXX is fake and they even charged me {$12.00} for returned check. I contacted the bank immediately to report check fraud and scam activities to claim department. They told me the bank cant to anything about this matter since I XXXX the money over they wont be able to cancel transactions. And told me to report the police. I find that it is unfortunate that I got scammed without knowing it but the bank should help their clients to get their rightful money back no matter what when it is a scam activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: KY
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:
This account is reporting inaccurate information. The account was never late. I bought a car unfortunately the car was totaled within the first week of ownership. I paid 2 months payment upfront. I had full coverage insurance on the car also XXXX insurance from the dealership so the car should be paid in full with no balance and list as positive credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$78.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: JPMORGAN CHASE & CO.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX a customer sent me a check for services, under the email of XXXX This was the first time I ever dealt with e checks, so I deposited following the steps provided by my bank. 

I immediately noticed, after depositing, that the amount was wrong and more then what they said I would get. & eventually started spamming me that they needed the refund asap. 

I also noticed that the name on the check was different then thier name. 

Originally contacted through XXXX under the name of XXXX XXXX the deal was I would help them program a XXXX XXXX for {$300.00}. ( They deleted the XXXX account they had already ). They sent me a check for {$500.00} instead. Under XXXX XXXXXXXX XXXX located in Texas. 

I have copied of the checks and the original email still. 

The phone number they used to communicate with me was : ( XXXX ) XXXX I still have all interactions saved from here. 

So I told them I'd refund them in a few days once the bank cleared the check just in case it bounces, to protect myself and they were saying that e-check are instant and work differently then checks. 

I XXXX this and found this statement to be untrue but I told them I would call my bank and explain the situation and would only refund them if the bank gives me the ok. 

So later in the day I called Chase bank while XXXX was at my day job, I explained to the operator very clearly that I never worked with e checks before, and feel that I received a fake check and was afraid this would bounce. & that if I refunded the customer I would be out of money. 

Prior to calling I XXXX that sending checks out and asking for refunds was a common scam, and saw the following red flags, which I clearly conveyed to the chase employee : 1 ) The name they contacted me with was different then the check and also different then the XXXX account they wanted me to refund. 

2 ) They were trying to get me to refund asap 3 ) the fact that they sent the wrong check to me in the first place was also a huge red flag. 

I voiced all these concerns and stated multiple times that i believed I was getting scammed and needed help. 

After some time on hold she said that the she checked and the check was OK and promised me it wouldnt bounce and she would transfer me just in case to report fraud. 

So after the phone call I refunded the customer for XXXX using XXXX : XXXX payment to XXXX transaction number XXXX has been approved for {$500.00} I don't know what else I could have done at this point? I called my bank and clearly explained the situation and all the red flags I had. They said the check was cleared and wouldn't bounce. 

I hear this from my bank and I think I have to refund the money at this point. It's not my money, the bank said it's OK, who am I to argue?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: MA
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 2022-06-03
Company: EQUIFAX, INC.
State: MO
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:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Resurgent Capital Services L.P.
State: TN
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:
U S C 1681 Section 602 A An direct unlawfully report on my credit report.

U S C 1681 Section 604A Another direct unlawfully reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To Whom It May Concern I HAVE TRIED TO FIX THIS ISSUE EARLY THIS YEAR AND WAS COMPLETELY IGNORED. I EVEN SENT A PHYSICAL LETTER BUT STILL IGNORED. PLEASE RE-INSERT XXXX XXXX XXXX ACCOUNT XXXX. I NEVER ASKED THIS ACCOUNT TO BE REMOVED. XXXX XXXXXXXX XXXX  CREDIT CARD RE-INSERTION ( FOR EQUIFAX ). PLEASE RE-INSERT. CORRECT & UPDATE MY CREDIT REPORT TO CURRENT : XXXX XXXX XXXX CREDIT CARD RE-INSERTION ( FOR EQUIFAX ) account : XXXX, PLEASE RE-INSERT/UNBLOCK. IT HAS NOT BEEN REPORTING ON MY EQUIFAX CREDIT REPORT FOR MONTH 'S. THIS IS DEFAMATION OF CHARACTER, AND EQUIFAX HAS COMPLETELY IGNORED MY RIGHTS. I DID NOT AUTHORIZE THIS ACCOUNT FOR XXXX XXXX XXXX ACCOUNT XXXX TO BE REMOVE. PLEASE RE-INSERT. UPDATE MY REPORT TO CURRENT! In accordance with the Fair Credit Reporting act XXXX. This is a very serious matter of going against the fcra. According to the law you have to update ( XXXX XXXX XXXX  CREDIT CARD RE-INSERTION ( FOR EQUIFAX ) to current. 

PLEASE RE-INSERT MY ACCOUNT BELOW : PLEASE RE-SERT THIS ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER : XXXX PLEASE RE-SERT THIS ACCOUNT BACK ON MY CREDIT REPORT. 




Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief