BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: AZ
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:
In XXXX  I filed for bankruptcy and included a XXXX XXXX XXXXXXXX credit card account, for which payments were - never - late. After discharge, the account was closed by XXXX  XXXX XXXX. Equifax keeps marking that account as Derogatory, which is inaccurate, because payments were never late. The Bankruptcy itself is Derogatory, not the XXXX XXXX  XXXX credit card account that was discharged through the bankruptcy. Additionally, Equifax keeps indicating the date of bankruptcy filing under Date of Delinquency, which is also inaccurate, because the account was never delinquent. I disputed these issues multiple times and Equifax keeps adding inaccurate information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: DE
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:
To Whom it may concern ; Good day, I have an issue with your Organization constantly placing inaccurate information on my Consumer Report. I Found out about the latest inaccuracy TODAY XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great EXTENT! As a result, I was discriminated against and refused the A HOME LOAN! 
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

This organization has officially been put on NOTICE! Im letting you know that I never gave consent to this report being furnished by you on my behalf and Im also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected! 

There is no such law written anywhere that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Your organization neither exercised any of its responsibilities with fairness and impartiality nor PROTECTED MY RIGHT TO PRIVACY! 

I DEMAND you give me a piece of evidence that the information which is being reported has been properly investigated. Also provide me with the details of the system adopted by your organization to determine whether the transaction took place or not. 


letter attached has been Sent in the mail as well

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 2020-12-16
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account # XXXX XXXX has incorrectly marked the above account as a charge-off with Experian, and possibly with XXXX and XXXX. 

The facts are as follows. XXXX was my electricity provider at XXXX XXXX XXXX, XXXX MA XXXX. I sold that property on XX/XX/XXXX. XXXX records will show that responsibility for that account shifted to XXXX and XXXX XXXX. Our family moved into a rental house where the owner retains responsible for the utilities. 

XXXX was told about this at the time the account was closed, and that my new rental address would be XXXX XXXX XXXX, XXXX XXXX MA XXXX. 

Nevertheless, XXXX sent the final bill to my old address. I had a mail forwarding instruction with the post office in XXXXXXXX XXXX. Despite that, the bill was never forwarded and presumably returned to XXXX. The utility took no further action. 

I first heard about this bill when an email alert showed up from XXXX XXXX credit tracking system. I logged into the Experian account to find out that XXXX had placed a derogatory remark against my credit which would remain for 7 years. 

Having become aware of the bill, I contacted XXXX, and its CSR confirmed that the bill had been sent to the wrong address. She was also apparently aware of my new address and asked me to confirm it, which I did. I asked her to remove the derogatory remark from Experian and other bureaus, if applicable, since I intended to pay off the bill online later that day ( which I did ). The CSR gave me a number in CT to contact XXXX XXXX. When I called that number, the security guard informed me that there were no employees in the building on account of Covid. 

A copy of the account having a XXXX  balance is attached. Yet, my Experian account incorrectly marks it as a charge-off. Further, the derogatory remark on the account will stay in my record till XXXX. I have contacted XXXX by telephone 3 times and haven't found anyone to speak to other than a customer service representative who has been unable to 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 2023-10-05
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: Account status incorrect

Complaint:
I have late payment entries that have been recorded on XXXX, XXXX  ; XX/XX/2019 ; XX/XX/2019. I have a solid track record of making on-time payments for this account. Therefore, I have reason to believe that this reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: WI
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:
The credit companies are not complying with their own policies in a timely manner. 
Account XXXX. XXXX XXXX XXXX {$850.00} Account XXXX. Capital One {$800.00} Account XXXX. XXXX  XXXX {$700.00} Account XXXX. XXXX XXXX Ive sent Several dispute demanding proof of investigation, and these credit companies have broken tons of laws!

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 2023-10-05
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I am writing to dispute certain mistakes and errors present on my credit report. I have carefully reviewed the information contained in my credit report obtained from your agency, and it contains inaccurate and misleading information. 

I kindly request that you initiate an investigation into the following disputed items : 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 XXXXEquifax 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Dear Sir/Madam, I am writing to seek help with resolution of an issue with Suntrust Bank. In brief, I closed an account with Suntrust approximately 2 months ago. I was assured that a check would be sent to me with the existing funds ( ~ {$3400.00} ). When nothing was received, I contacted Suntrust, which confirmed that a check had been sent. I receive mail every day. While puzzling that the check was lost in the mail I gave Suntrust the benefit of the doubt. Suntrust ( customer service ) assured me XXXX XXXX XXXX that a new check would be sent. Again, nothing was received. I proactively contacted customer service again this week XXXX XX/XX/20 XXXX. During the call, the customer service representative investigated and reported back that a check was not indeed sent. Rather, a form would be needed to obtain a new check. They insist that the form be taken to a branch of Suntrust. I complained sufficiently that they emailed me the check rather than forcing me to go to a branch to pick it up. I have several problems with how this has unfolded. 

Foremost, given that this is the 21st century ( not to mention a pandemic ), there are a myriad of different ways in which those funds could have been returned ( including electronic transfer ). This seemed deliberate in its intent to stall the return of my funds. 

Second, their process deliberately relied on my actively pursuing them for the return of the funds. I asked the customer service representative directly : what would have happened had I not continued to contact the bank? Again, this seems highly problematic. 

Third and most importantly, I still have not received the funds, 2 months after closing the account. The bank has collected interest and inconvenienced me, while arbitrarily inserting obstacles to what should be a very simple transaction. The form is unintelligible and does not apply directly to this transaction i.e. it requires a notarized statement that something was lost. Again, there is no utility to this outside of prolonging the process. Specifically, there is no risk of duplication as Suntrust has already verified that no check was ever cashed and the bank is able to cancel the original check assuming one was really dispersed. I am frankly skeptical it was ever sent. 

Any help in resolving this is appreciated. 

Sincerely 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, MD 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 explanation
Consumer complaint received 2020-12-16
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my mortgage through XX/XX/XXXX. 

The loan was serviced by " XX/XX/XXXX '' for about a month and has now been transferred to AmeriHome Mortgage. 

I made my first mortgage payment due XX/XX/XXXX plus an additional {$900.00} principal payment to " XX/XX/XXXX '' on XX/XX/XXXX. 

This payment is not currently reflected on my account balance with AmeriHome Mortgage. I have contacted AmeriHome Mortgage twice to inquire when the funds will be transferred from XX/XX/XXXX to AmeriHome Mortgage and reflected on my account. 

They have not been able to answer this question. All they have said is that they will not report me as paying late for 60 days and the payment will be reflected when the funds are transferred. 

In the meantime I have received two phone calls from AmeriHome Mortgage to discuss why my my first mortgage payment due XX/XX/XXXX is late. 

I would like assistance in ensuring the funds are transferred and reflected on my account on the correct date. 

In addition, when I first reached out to AmeriHome Mortgage I provided them with a copy of my statement from XX/XX/XXXX and my bank statement showing the missing mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Caller identified himself as XXXX support team regarding a virus protection plan I had in the past and had cancelled over a year ago Told me I would be charged a renewal fee of several hundred dollars if I did not cancel over the computer. He advised me to go into my computer ( he aready had my code which they assigned when I purchased the plan ). I did so and he was able to view all my banking accounts. He told me XXXX was going to reimburse me about {$600.00} in two amounts {$420.00} and I think {$170.00} not sure. Anyway he then told me for some reason he had made an error in the amounts and it could only be corrected it i went into the bank. I live in FL and we were having a possible Categroy 5 hurrican in XXXX. XXXX and I was busy packing for a possible evacuation so I was very unnerved and distracted by that situation and the phone call. I kept him on he other line and called Bank ofAmerica to verify this info, but I couldn't get through so I hung up. He then told me I had to go into the bank, withdraw the money he had put in my account and go to XXXX  and purchase a gift card. That's when I realized something was very wrong. I hung up on him. I rushed to the bank only 10 minutes from my house and reported the fraud and they closed all my accounts and reopened new ones. They had already taken {$2000.00} advance from my credit card and something out of my bank account. BAnk rep assured me everything was straightened out and I did not lose any money. Now I keep getting letters from Bank ofAmerica stating my fraud claim is denied and I am reponsible for the {$20000.00} on my credit card. They had denied it 2 times. I also called the police, but they told me there really wasn't anything they could do. Am I liable for that {$2000.00}? 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 2023-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I've been banking with Bank of America for years and I've had the same savings account for around 15 years they haven't charged me any monthly maintenance fee until XX/XX/2023 where they charged me XXXX $ for not having a minimum of XXXX XXXX which they didn't send me letter or email notifying me that they would start charging XXXX $ if i didn't keep a minimum of XXXX $ or I else i would had. So in XXXX I check my savings account and realized they charged me XXXX $ for the month of XXXX, XXXX, XXXX, XXXX and XXXX. I called them and asked them why they were charging me and they said I needed to have a minimum of XXXX XXXX I told them how they didn't notify me and they didn't give me a concrete answer. I told them I would transfer XXXX $ there and then from my checking account and if they could refund the money. They only refunded me XXXX XXXX 
I feel as if this is unjust due to them not telling they would start charging XXXX $ for not having a minimum of XXXX XXXX 
I know in my checkings account I need to have a minimum of XXXX $ it not they charge me XXXX XXXX Which they did not too long ago but I'm accepting of it because I was notified a long time ago. 
Thanks

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 2020-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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 a situation here since XXXX I have reported to credit bureaus including authorities that XXXX XXXX XXXX XXXX XXXX California XXXX is an unknown address in other words I'm not a resident of that address. Even though I have alerts, place address as unknown, I receive confirmation that this will be taken care of. Since XXXX I notified authorities if they see anything unknown or anyone calling in, or using my identity or accounts in anyway take action immediately. To no avail XXXX XXXX, XXXX, etc someone has altered my name, using including middle initials, addresses using my identity, it goes, stays on my identity, even when authorities can see that all kinds of names with XXXX or altered, unknown address, accounts, activities that are not mine credit bureaus, XXXX at XXXX XXXX XXXX XXXX XXXX California XXXX is not responding, gee I wonder why the real person with the real identity is reaching out for help that someone is using my identity, personal information at their address, no is responding. Why would it be so unusual for them to not respond. You would they would contact authorities or walk into room after room at XXXX XXXX XXXX XXXX XXXX California XXXX, ask this imposter to seriously prove if they are me. I gave a XXXX XXXX staff ( at XXXX XXXX XXXX in XX/XX/XXXX, never looked back ) a hug, entered cab, said thank you, that's it. How is this connected to Capital One, my credit report, XXXX XXXX XXXX XXXX XXXX California XXXX I am told by authorities that Capital One is more authority, this so called person pretending to be XXXX XXXX XXXX is pretending, reporting to be me. No matter where I live for example Maryland Capital one, this person ( And yes I have to have all the other altered names ( deleted, places I've never been ) ( because this these persons used my personal identity, other addresses, I am constantly to authorities since XXXX that someone is using, accessing, my personal information. I am a Victim ) Capital One I'm told, this person from XXXX, XXXX, almost XXXX has only known, reporting, primary address you name it even when I had no card, no access online this is the primary address which is taking over my identity as primary. I say I'm not a resident to this unknown address from XXXX to XXXX almost XXXX credit bureaus say I have no authority. That Capital One, this person overrules this as my address. You see something unfamiliar you report it correct, gov, agencies assist to remove an unidentified address. I could be in Maryland as an example but this is the only as recognized, that is the only address they will use to identity me. Authorities will only identity me with this unknown address saying I'm a resident to this unknown address. This is truly messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
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 to the Fair credit reporting act this creditor XXXXXXXX XXXXk and XXXX XX/XX/2023 has violated my rights. 15 U.S.C. 1681b sec.602 I have a right to privacy. 15 U.S.C. 1681 Sec. 604 ( A ) sec. 2 a consumer reporting agency can not furnish an account without my written permission. 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chase is marketing credit cards to those of us with good credit like it's going out of style. Be careful - the marketing is not clear. IF you already have a SWA Chase personal card, do not apply for the new one online. This has sent me through a XXXX triangle, wasting my time and therefore money. 

It appears in the middle of XX/XX/2018, Chase expanded their undisclosed 5/24 rule to include ALL co-branded cards, not just SWA, yet the marketing machine continues to ignore this policy and the Agents on the phone are not well trained. I am contacting the credit bureau b/c two of the cards opened are not mine - that is the silver lining here. 

However, the issue with incessant marketing of their branded cards to customers, plus this confusing 5/24 rule and lack of Agent phone training, is false advertising. The information is still relatively opaque, as Chase never comments on the 5/24 rule, but multiple reader and community data points suggest denials due to 5/24 for cards previously exempt. 

CFPB staff, please help educate consumers and hold the big banks accountable for deceptive trade practices. I do not believe this is intentional on Chase 's part, but the second to last Agent did encourage me to file a complaint here, so be it. 

Thank you! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to lodge a formal complaint regarding the persistent appearance of fraudulent and inaccurate items on my credit report which are needs to be removed by the credit bureaus. Despite my previous attempts to rectify these issues, they continue to adversely affect my creditworthiness and financial standing. The fraudulent and inaccurate items in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - My credit report still displays an inaccurate address, namely [ Incorrect Address ], which is not associated with me and has never been my place of residence. I have previously disputed this issue. XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$9200.00} - There are an accounts on my credit report, XXXX, XXXX which has been incorrectly listed as a charge-off. This accounts are not in charge-off status, and I have never allowed it to reach such a status. XXXX XX/XX/2022- I have identified an unauthorized inquiry from XX/XX/2022. I did not provide any authorization or consent for this inquiry, and it should not be included in my credit report. I have made numerous attempts to address these issues by filing disputes, providing supporting documentation, and following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). Despite my diligent efforts, the fraudulent and inaccurate items persist on my credit report, causing unwarranted harm to my financial profile. 

I kindly request that you prioritize and thoroughly investigate these ongoing disputes to rectify the inaccuracies promptly. As stipulated by the FCRA, you are required to investigate and resolve disputes within 30 days. Therefore, I urge you to adhere to this timeline and provide me with an updated credit report that accurately reflects my financial history. 

Furthermore, please ensure that any fraudulent or unauthorized inquiries are removed from my credit report, and take appropriate measures to prevent any future unauthorized inquiries.

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