BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2023 I attempted to deposit two checks into my business account a check from XXXX XXXX  and I deposited them the incorrect way so Chase bank rejected the deposit so I sent the check back to the originator had them put my name on the check and she sent me back another check to deposit as well for services rendered from my company XXXX I have already had previous checks clear from this company when I called to inquire as to why I cant get some of my money, because this is a business and you have to keep running and if youre taking my money and holding it up there, I cant get things done so I spoke with a guy and he told me to give it till XX/XX/XXXX which is when the hold will come off I asked to speak with a supervisor as well to understand why this is the third time they have made my account go negative and they have not released the hold, so I speak with a supervisor and the supervisor asked me well why did the lady send me a check without my name on the check and I said that I except all forms of legal tendered deposits or payment for my services rendered and I did not have an answer for that. I told him to ask her and at that point he told me mm, were not gon na take the hold off. Nor are we going to clear your balance and release the hold on the checks so with that thats straight up discrimination because theyre not doing anybody else like that my account is still right now today- {$9500.00} when they have my money they have the check the money has been released from the other bank and theyre still choosing not to clear my account and give me the money that my client paid me. This is Chase Bank. Once they found out that I was XXXX things went very very sour and with thats when they hung up on me and I have not talk to anyone since I am planning on calling back this morning. That is my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am writing because I would like your help in enforcing my request to the 3 credit bureaus who have refused, despite my multiple requests, to remove inaccurate names and inaccurate addresses from my credit report. I have specifically stated that they put me at risk for ID theft as a result of these multiple entries on my credit report and yet they failed in honoring my request and hence maintaining the integrity of my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am reporting on none of the issues listed. Reporting a crocked bank that I pay way too much to clear my record on a {$25.00} swipeing fee that I had to pay over {$100.00} to clear my record. I payed Bank Of America the interest to clear my record so I can have a bank account in witch they lied and are still have not cleared my record. Happened years ago. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: CA
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:
Hello, I am writing to report that I have been the victim of identity theft, as evidenced by unauthorized inquiries on my credit report. According to 15 U.S.C 1681, credit report agencies are acting unlawfully and defaming my character by allowing these inquiries to appear on my credit report without my permission. These unauthorized inquiries have resulted in significant damage to my credit score and have made it difficult for me to apply for credit. As a result, I believe that the credit bureaus have violated my rights under the Fair Credit Reporting act, which requires that credit reporting agencies maintain accurate and up-to-date information about consumers. I urge the CFPB to take swift action to address this issue and ensure that credit reporting agencies are held accountable for their actions. I would appreciate any assistance you can provide to rectify this situation and restore my credit report to its rightful state. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX I obtained a copy of my report I noticed there were several inquiries on my report that I did not recognize nor authorized. I called XXXX, Transunion, and XXXX regarding this matter I explained to the customer service rep I had lost my wallet in which I think I laid it down in the store I went back to the store 10 minutes later it was no longer there and had not been turned in this was back the beginning of XX/XX/2022. I was instructed by all 3 companies to put a fraud alert on my credit account and they would remove the inquiries in 30 days. Ive been checking every month to see if they have been removed and as of todays date the unauthorized inquiries are still being reported.

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 2016-03-02
Company: KEYCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I obtained a 10-year conventional, fixed mortgage from my local bank in 2006. This loan was sold twice. The current lender is KeyBank in XXXX XXXX, KS, who purchased my loan from XXXX XXXX 6 months ago. The balloon payment ( approx. {$210000.00} ) is due in 10 days. 

A payoff statement was requested from XXXX XXXX at KeyBank, who added a {$850.00} " Admin Fee '' to the principal. I have no choice but to pay this unexpected {$850.00} fee, if KeyBank is to accept the balloon payment and close the account. I was never told about this fee until today. I reviewed my original loan documents and nowhere does it say that I will be charged any amount, let alone a {$850.00} fee, to pay off the mortgage. I have had a number of mortgages, both residential and commercial, and have never had to pay such a fee. The escrow manager says this fee is both improper and very excessive. In fact, she has never seen anything like it in her years in business. 

I asked XXXX XXXX at KeyBank to reverse that {$850.00} fee, but he refused, saying said it was necessary to cover " some legal expenses associated with issuing and filing releases ''. Please note that each of my 120 monthly mortgage payments was made on time and my FICO is XXXX. 

XXXX XXXX also charges a {$100.00} fee to revise the payoff statement ( such as changing the date ). The escrow manager says this kind of fee is very seldom assessed by banks, and would typically cost no more than {$15.00}. 

KeyBank is apparently trying to squeeze exorbitant, last-minute fees that were never due, simply because I have no choice, no time to dispute them and no recourse ( other than CFPB ). I believe that is behavior is known as extortion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31
Company: Total Card, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have had nothing but problems with this creditor since I opened my XXXX XXXX and XXXX XXXX cards. I recently closed them because I explained I was on unemployment due to the pandemic. It took 4 weeks for me to finally receive my money yesterday. 2 days after the due date, I was ready to pay the accounts in full, when I went to do so I saw that I was charged 2 more {$40.00} fees at this point they have charged me almost 3 times what my {$300.00} limit is in fees. Literally every other credit card company and bank I deal with has worked with hundreds of customers including me by changing policys to adjust to what is happening with this pandemic, I have not been charged a late fee by any other creditor during this pandemic while struggling to make payments, only with this creditor. I was also threatened with adverse actions against my credit for being effected by the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
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:
In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-10-18
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX My Chime account was hacked and suspended for fraudulent activity in XXXX XXXX I live in the USA and have been to XXXX, bought anything from XXXX or communicated with people from XXXX. 
They transferred close to {$5000.00} between my checking and a credit card that was created via my account. 
Literally filed 4 different disputes only to be gaslighted into thinking that it was my fault that someone else hacked my account and got a credit card via my Chime account. 
After unnecessary back and forth with the customer service reps and sending a number of emails with my face next to a white piece of paper just to prove my identity, they FINALLY agreed with me but could only give me $ XXXX {$5000.00} back. 
The remainder funds that were stolen were placed on a Chime Credit card and spent entirely. Chime even tried to send me a bill for the fraudulent charges and till this day, still won't give me the rest of my funds ( {$3300.00} ) that were stolen from me. I have all of the documentation if needed as well. 
This went on until I gave up in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage Freedom Mortgage XXXX XXXX XXXX XXXX. XXXX  XXXX For Information/ XXXX TX XXXX XXXX IN XXXX Notice of error XX/XX/XXXX Received notice of 100 % Tax Relief and scanned and e-mailed Freedom XX/XX/XXXX Freedom although being notified there would be no taxes due sent XXXX XX/XX/XXXX City of XXXX  XXXX sent Tax bill for XX/XX/XXXX reflecting {$0.00} tax due XX/XX/XXXX Sent notification of error XX/XX/XXXX Freedom sent acknowledment on Senior 100 % exertion for XXXX XX/XX/XXXX City of XXXX  XXXX acknowledged transmittal of Tax refund as follows : Check # XXXX Bulk # XXXX Amount : {$1400.00}. 
Although it has been 7 weeks since notification, and Freedom has monies in possession They said processes require they retain funds until XX/XX/XXXX. 
I am under the impression that they are taking unrequited advantage. 
Attached is documented with dates of everything described above

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Village Capital & Investment LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX called us stating they could do a refinance on our home and give us a rate of XXXX. We agreed to do business with them. We did not hear from them for a couple of weeks then they said we did not need to make our XXXX and XXXX payments. However, after 66 calls to them and only 19 responses we decided to make our XXXX payment and made our XXXX payment as we had not heard from them. They had promised it would close by XX/XX/XXXX that is why there was no need to make the payments. 
They kept promising it was about to close escrow. In the 19 calls we did speak to them they said everything was in the works, come to find out it was not. We spoke to a XXXX, XXXX, XXXX, and now today a XXXX. When I asked how to spell her name she said I could spell it anyway I wanted to. I told XXXX XXXX that I wished to resind our agreement to refinance with them. Had we not made our payments when we did we would not be current. I have asked these people to stop calling me as now it has become harassment. The whole process started in mid XXXX and it is now the end of XXXX. We have decided to go with another company and are completely satisfied.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: SOUTHEAST MORTGAGE OF GA INC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have extended my credit to Southeast Mortgage for a Mortgage Consumer Credit XXXX  on XX/XX/2022 with XXXX XXXX. I informed XXXX  that I hoped they was not providing generic contracts as they are to have adequate disclosure pursuant to Federal Law. Pursuant to 15 USC CH 41 doesnt define a loan nor a borrower so neither can I and I have informed XXXX XXXX the same. XXXX has provided me with a Uniform Loan Application and my name as the Borrower. 

Southeast Mortgage are coercing me into paying for a down payment/closing cost but Financing is involved which includes the sum of all charges which violates 12 CFR 1026.4. Next, they are denying me my rights as a consumer of extending my credit to them and creating a false and deceptive loan form under XXXX XXXX XXXX which is for the lender and not the consumer which violates 12 CFR 1002 -Regulation B, ECOA. I asked Southeast Mortgage General Counsel XXXX XXXX, CEO XXXX XXXX, and Vice President XXXX. XXXX to provide me with a typed consumer credit transaction form and make it clear that I am extending my credit where there will be no security interest, no lien, and no down payment necessary as stated in Federal Law and CFR Regulations. I asked if Southeast Mortgage operated under The Truth in Lending Act and they proceeded to say that they operated under regulations but not FEDERAL LAW. I can name more violations on how Southeast Mortgage is violating multiple Federal Laws but all I asked for as a consumer for a fair and equitable mortgage consumer credit transaction. 

The CEO XXXX XXXX did not protect me as a consumer who has Consumer training of 11 years within his biography on southeastmortgage.com which is false representation of oneself. I also informed them that I have a right to exercise who I am under Consumer Credit Protection Act-Federal Law and if they chose to do anything other than what I am asking then you are in violation of discrimination, as a courtesy please refer to 15 USC 1691 .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: BB&T CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a trial loan modification which I was approved for. I was instructed that I would need to make 3 trial payments and the modification would then become permanent. In the paperwork I was sent, the payments must be made in the month they are due or the trial would be terminated. I made the first payment on the XXXX of the first month without issue. I attempted to make the second payment on the XXXX of the second month and was told that the agreement had been terminated on the XXXX. I know for a fact that payments are accepted until the last day however I have been told there is nothing they can do and I will have to reapply for modification and hope my home doesnt go on sale before then. I would like BB & T to honor their word and reinstate my modification so I can resume making payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.

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 2020-01-24
Company: Experian Information Solutions Inc.
State: NY
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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