BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The three credit reporting agencies ( XXXX, XXXX, Equifax ) have not properly investigated my disputes. In most cases, they have either not investigated my disputes at all, or, simply relied on what the creditors have told them with no documents to support verifying the disputed accounts. XXXX and XXXX have also prevented me from submitting online factual disputes. 

I repeatedly requested details from my investigations, but I was not provided with the information. I have not received information regarding their methods for investigating my disputes, who they contacted, or any information that supports their opinion that these accounts are reporting accurately. The bureaus are verifying my inaccurately reporting accounts as accurate without conducting proper and legal investigations. 

These are violations of my rights. 

I submitted disputes for the following accounts, for various inaccuracies, but the Credit Reporting Agencies ( XXXX, XXXX, Equifax ) have illegally returned these disputed inaccurate accounts as verified. They are violating my rights and I want them to stop. 

XXXX  # XXXX - Credit reporting agencies ( XXXX, XXXX, Equifax ) are updating this account even though it is closed. On at least one of my reports, ( XXXX ) the CRA is reporting 30 chargeoffs after 2018 the year the account was closed!!! There should be no activity reporting after an account has been closed. This is a serious violation of my rights and needs to be addressed. 

XXXX states, " our role is to review accuracy and completeness of any disputed item '', but they have not done this for me. They are not performing their legal role. 

XXXX XXXX # XXXX XXXX Account. Credit reporting agencies, report this account without credit limit and highest balance. Illegally verifies account, stating it is accurate. 

XXXX XXXX # XXXX I disputed for inaccurate payment history. CRAs verified account with no explanation. They did not provide proof such as furnishers bank statement or my payment history from furnisher. 

XXXX XXXX XXXX Disputed for inaccurate payment history. Account disputed was returned as verified with no proof or explanation. The CRAs only relied on the opinion of the furnisher with nothing to support it. 

XXXX XXXX XXXX The CRAs are reporting activity on this closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Private loans were transfered from XXXX XXXX to Nelnet last month. For some reason they were transfered in an income-based repayment status. I was not on an income-based replayment plan with XXXX XXXX and was paying more than the minimum payment per month. Nelnet refuses to allow me to auto-draft more than my minimum monthly payment while my loans are in this status. They are insisting that they charge me a fee to get my loans out of this status. This feels predatory and intentional to make it harder for students to pay back loans so more interest will capitilize. It also took me months to get my account set up when my federal loans were transfered earlier this year. Nelnet uses XXXX  incompetence to try and force users into more debt and they need to be investigated. I never had any similar problem with XXXX XXXX or Great Lakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I don't know what their reasons are when they're reporting me as late even though I'm never late so please look at the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate. I will not stand for any misinformation being associated with my name and financial history. If there is something on my credit report that doesn't seem right, I will be taking action to get it removed. Federal and state law requires you to report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. 
Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take whatever steps are necessary to correct my credit

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: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Total Auto Finance
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX XXXX XXXX has taken full advantage of me with violating my consumer rights by doing fraudulent and misleading acts. The company has gouged up the price of the used vehicle I am leasing and repossessed my vehicle after 19 days of being late on my payment. In XXXX, I leased the used vehicle and made a down payment of {$1700.00} for the vehicle. My monthly payments were {$520.00}. The company finance department has added another {$120.00} to my monthly bill. The advertising price was {$14000.00}, however, the company over gouged the price of the vehicle to {$29000.00}, plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: MoneyLion Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I deposited {$1000.00} with MoneyLion investment account thinking they was trust worthy and reliable. Few days after I had an emergency in the family which made me want to withdraw my funds. When I tried to withdraw I had to first verify my identity which wasnt a problem. Then my withdrawal got cancelled. Then I wasnt able to withdraw again. I contacted them and they keep giving me the run around saying it takes a few business days. Now its been weeks and XXXX cant even bury my dead aunt. This is the worst experience I ever had and Im glad I see what they really about so I will never do business with them again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Since the beginning of Covid ; I've had a lot of problems with unauthorized card use, and inability to access my account correctly, while banking with BMO Harris Bank located on XXXX XXXX XXXX XXXXXXXX, WI. Starting around the beginning of Covid, BMO chose to switch to needing a " temporary phone password '' to access anything via their XXXX customer service line. This also includes their " card member services line '' as well. Since the beginning of Covid, I've had a couple of unauthorized transactions. The most recent was on XX/XX/XXXX I believe, where the bank finally offered the shut my card down, but then still authorized transactions on XX/XX/XXXX to XXXX XXXX in the amount of {$200.00}, and to XXXX XXXX in the amount of {$330.00} ''. 

There was also a secondary account setup in XXXX of XXXX by one of my sole-proprietor business clients in my name, which I'm not able to access at all. I was at the bank with my client in XX/XX/XXXX to setup the account. I even received the follow-up call a day or 2 later from my banker, checking on the account. But, when my client tries to put $ into the account using the account # giving to use, they're not allowed to, being told that the account doesn't exist. And I get told the same thing from BMO teller when trying to access the account on my end as well. 

As stated, this has been an ongoing issue with BMO Harris bank since Covid. They have no right to be doing this to customers, as it violates federal banking laws, yet here we are. Because of their unwillingness to cooperate at this point, I'm requesting any and all accounts information, ran based of SSN for the financial institution over the last XXXX years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
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: Personal information incorrect

Complaint:
I have been working on my Equifax credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX and there is XXXX XXXX XXXX XXXX XXXX, TX XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Opened new accounts with Truist Bank at the end of XX/XX/XXXX. Important information, have had a good standing with SunTrust since XX/XX/XXXX, and have experienced many changes resulting from the consolidation of BB & T and SunTrust into Truist. My pain point is that Truist no longer markets the type of legacy accounts that came from SunTrust, however, they maintain them. I had the need to open new individual accounts and keep my existing 20+-year-old accounts open, but the customer service area is not able to provide ANY information to me about how to avoid maintenance fees or the interest rate structure ( what are the bands of deposits required to receive certain rates? ) on the grandfathered accounts. Additionally, this information is not disclosed in their online banking " about your account '' area. So, here I am. A customer in the dark about how to reasonably avoid maintenance fees. 
For the new accounts that I opened, the associate in customer service can not provide me with interest information about my money market account. I have the knowledge that this information is necessary for me to avoid fees and loss of income from interest, so I have the onus to look outside Truist for my banking needs. I feel like that is unfair to other customers, who may not know that this information is required. It is exhausting for banks to use a process that causes a customer to be passed from associate to associate, never finding an answer, thus causing the customer to just give up after spending hours of their time, to end with no resolution/solid answer to their questions. I'm sure the bank thinks it's acting very efficiently by expecting no one in its employ to be an expert on how its accounts function, but these are not complicated questions I have asked.

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 2023-04-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My account at Chase was hacked for XXXX in withdrawal fraud. the monies were taken out with my debit card number and pin. I had the card and have never withdrawn on the account. When Chase sent me a new card more money was taken out before I had the card. 
I have not withdrawn on this account as it was a gift from my late father. Chase has only agreed to cover XXXX of the toal, claiming the remaining balance taken out was not fraud. It was the same pattern of XXXX taken out each time in a suburb of XXXX. I live in Florida. Chase will not send me the additional monies owed me. 

I am not trying to defraud Chase I just want them to reimburse me for a fraud they never even told me about unitl over XXXX was taken out. 
I am so frustrated. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am 3 years behind in my mortgage due to XXXX. I applied for and was accepted by MIHAF ( state of Michigan HAF ) for a grant amount of XXXX. My mortgage arrears are approximately XXXX ( I cant get a straight answer from LoanCare LLC, my servicer, on that amount ) The funds were sent to Loancare LLC who would not accept the funds because it did not cover the full amount ( I had hoped to do a partial claim for the amount not covered by MIHAF, which as i understand is an option under COVID relief. No one bothered to tell me the funds were sent back, or that my home was scheduled for sheriffs sale. I found out about that from a letter, from a realitor wanting to by my house and a copy of the sheriff sale notice. I have talked with approx. 7 different people at Loancare, two told me that yes they would accept a partial payment they others told me no they wouldnt. The only thing they will do for me is a loan modification, that will lower my monthly payment approx. {$100.00} dollars but extend my mortgate out 30 years. I have had my current mortgage 25 years and only have 5 years left on it. five years. and they want to extend it to 30 more years. How can they refuse funds and then extend my mortgage another 30 years????

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 2023-04-17
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: FL
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 recently viewed my account for the first time in over 4 years and noticed that there are 2 accounts that are on my credit report that I did not open, nor do I have any history as to where these accounts came from. I did not open these accounts that are on my credit report. These 2 fraudulent accounts are seriously negatively impacting my life and the ability to obtain credit. I did not create these accounts, nor do I have any knowledge of them, yet they are on my credit report and damaging my livelihood. I contacted my local police department and also contacted the credit reporting agencies informing them that there are fraudulent accounts being reported on my credit report. I was prompted to file an FTC report on the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened a business account with Truist bank for my business XXXX XXXX XXXX in XXXX XXXXXXXX ga. I was skeptical when I l kept seeing overdraft fees and I know the money was there to cover my transactions. I was pulling from another Account to prevent this from happening. I want my overdraft fees of XXXX refunded. I reported fraud on my account after I was the victim of a robbery and they still tried charging overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello I was astonished after have a Barclays arrival plus card card for 6 years the card was shut down with no call no warning. I paid the annual fee every year of {$89.00} and never missed a payment. They wouldn't tell me on the phone the reason I had to wait for the letter. Letter came said they found negative public record identified. I checked records that I could online and nothing came up. I called to find out where they got the information from after being on hold for 30 min. I was told they do not have access to that info. 
After all this I had XXXX points which I could redeem for travel they refuse to give me those points or use them as well as no refund for the additional month left of my year from the annual fee I paid. 
Please help Thank you

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 2023-04-17
Company: EQUIFAX, INC.
State: IL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation