BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: VA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 u.s.c 1681c ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other then records of convictions of crimes which antidotes the report by more then seven years.

15 u.s.c 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-09-08
Company: Credit Karma, LLC
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:
I'm an account holder with credit karma. I was told I had outstanding approval odds back in XXXX which is the highest that you can possibly get when given approval rating. I applied for the credit card and was denied saying I could not get it due to my credit. Next thing I know, my credit score drops! Basically I was lied to by Credit Karma and told that I was able to get a credit card without standing on and then they denied it. Apparently I'm not the only one and I just read that credit karma is going to have to pay {$3.00} million to those that they have done this to. I don't know how to get on that list but I have screenshots and my account can prove that I am one of the victims of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I applied for a loan and I was denied because there is a repossession on my credit report I tried calling XXXX XXXX XXXX XXXX and they keep disconnecting the call when I am asking questions. I did find that the account is for a XXXX XXXX XXXX and the pay off amount is {$10000.00}. This information was supposed to be removed off of my account in " XXXX ''. This is old information that keeps reappearing on my credit report. I need the system to be updated with this information removed. I was told to send a CBR report to have information removed Sent that letter back and the information is still reporting on my credit report I have called XXXX XXXX XXXX XXXX numerous times and have received no help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: NC
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:
My compaint is against XXXX, XXXX, and Experian. They are all still reporting a derogatory tradeline under my consumer reports after the creditor agreed to delete the tradeline from my social security number. 

In addition to this, XXXX, XXXX, and Experian are reporting conflicting info on the alleged loan balance. 

XXXX and XXXX are reporting an open negative tradeline from XXXX XXXX Bank with a {$18000.00} balance. Experian is reporting an open negative tradeline from XXXX with a balance of {$19000.00}. 

The payment status is also inconsistent between these three credit bureaus. What is going on here???? I am again asking them to delete the tradeline they are reporting for this company. They should no longer be reporting something that even the creditor has requested them to delete. 

If XXXX, XXXX, and Experian fails to delete the tradeline, I will be seeking {$1000.00} per violation and they will have to show up to a venue local to me to defend themselves for violating the FCRA.

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 2020-01-31
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Subject - Complaint about recent Home loan application and discriminatory experience I am writing this letter about my complaint to Chase Home Lending Department related to my recent interaction with Chase Home Lending team. I would appreciate if someone can review this situation and respond to me as I feel this as discrimination based on my immigration status. I have never had this kind of experience from any other major bank or even Chase before. I have been Chase customer for a long time and never expected such behavior from Chase when it comes to one of most important decision in my life of buying a new home. 
About a month back, I was in market to purchase my first new home. On XX/XX/2019, I contacted Chase for getting initial quote for mortgage. They were able to get all details, work with me for couple of days on quote and when it came to finalizing application, they backed out saying they can not take my application because I am on a XXXX. This is exactly what bank agent told me on phone on XX/XX/2019. I was shocked by this decision and asked if they saw anything odd with my application. Chase representative on phone talked to someone ( may be his supervisor ) and said they will not take my application for mortgage due to XXXX. I have never experienced such discriminatory behavior in my last 13-14 years in USA. I work on XXXX XXXX and have been in USA for about past 14 years. I have best credit score, good employment history, enough income and had past relationship with Chase. I am just not sure if this is new Chase policy and how this will take them to being top player in this 21st century. I immediately took my business elsewhere and recently closed on my first house with one of other major bank. I did inquire with couple of banks on such policy of not giving loans to long term immigrants with XXXX XXXX and no one has any such policy. I even checked in my friend circle at work and no one has heard of this and were shocked with my experience with Chase. Not sure where Chase is moving with such discriminatory policies. 
I am just very sad to experience this with Chase of which I was thinking very highly until few days back. We do want to hear back and see the response on behalf of hardworking immigration community in USA. First home is always emotional subject and unfortunately, I do not have good memories for Chase with it in my books.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was signed up for an overdraft protection and not told the details of this new feature on my account. I was told that if I had money on my savings then It would allow the transaction and take money out of my savings, if I didnt have money in my savings then it would reject the payment so I dont have to suffer another overdraft fee. I did this because Truist bank would overdraft my account constantly. I asked for this feature to be added and spoke to two reps who said they would add it to my account and did not, resulting in more overdrafts. I was finally able to add it once speaking to a supervisor who assured me that my transactions would be rejected if I didnt have money in my savings so I dont have to suffer another overdraft. They failed to mention that if this is a recurring payment I would still be over drafted and the payment would go through. I received another overdraft on XX/XX/23 and called because I was puzzled this happened, I spoke with a very rude supervisor named XXXX who did not want to hear me out and constantly spoke over me. I asked her to review the call with the previous supervisor and that he failed to mention that a recurring payment would go through and still overdraft my account, she promised that if this was the case once the call was reviewed I would get refunded. Well that was not the case, they did find that the previous supervisor failed to mention the recurring payments part and still they refused to refund the overdraft amount despite what XXXX promised. I spoke to a manager XXXX about what happened, which she then said that if upon listening to the conversation with XXXX if they find she did indeed make that promise, I would be refunded. XXXX, another rude, hostile manager who is committed to speaking over customers blatantly lied and said they found no such thing. This bank has been making promises, keeping me on the phone with them for hours, only to waste my time and be completely disrespectful and further tell lies to cover their own behind.

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 2023-07-17
Company: Experian Information Solutions 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:
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 a 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.

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 2023-03-16
Company: Experian Information Solutions 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: NV
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:
I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account # XXXX is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$1500.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report XXXX showing your compliance with all METRO2 reporting standards and this account removed upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions 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:
XX/XX/XXXX the errors were reported to XXXX XXXX XXXX -- we were able to determine the information was submitted incorrectly for our adult child with us as being responsible. 
A universal delete was placed by XXXX XXXX XXXX on behalf of the medical facility/ambulance services and professional fees. 
XX/XX/XXXX was sent by XXXX XXXX XXXX in their credit reports submitted monthly. 

This past weekend we found that Experian has still been sharing incorrect information as well as incorrectly reporting this incident in any way. I am told by XXXX XXXX XXXX ( the collection agency which submitted the information ) that Experian is difficult to correct information. This needs to be resolved immediately as the billing was in error from start to finish and is currently rebilled to the proper insurances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was denied a mortgage loan from Bank of America for a property in XXXX XXXX, NJ on XX/XX/2021. I haven't received written confirmation yet, but the verbal reasoning is due to my employment history and employment gaps. The loan officer sounded very condescending when she told me that I was denied. It doesn't make sense to me to be denied for that reason alone as my employment history was stated on Day 1 and I was pre-qualified for the loan. To make matters worse, I was denied after having an appraisal done on the property so I was fairly far into the process with a refund unlikely for the {$570.00} I was charged for the appraisal. 

I believe that I am being discriminated against because I disclosed my race as XXXX on Section X of the XXXX loan application. I would greatly appreciate it if this could be looked into to ensure that Bank of America didn't discriminate against me by showing that they also denied mortgage loans to people of other races, particularly XXXX people, with similar credit, income or debt-to-income ratio, savings, educational, and employment backgrounds as me. 

Quick summary of my background : I have excellent credit, my credit score is over XXXX. My 2 employment gaps greater than 30 days were related to school. I have a XXXX XXXX XXXX and currently in XXXX XXXX seeking a XXXX. I work full time as a mortgage loan advisor where I earn over {$45000.00} annually. I have savings of {$30000.00}. The house I was looking to purchase cost {$180000.00}.

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 2023-07-17
Company: Experian Information Solutions Inc.
State: GA
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2019-07-22
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened XXXX account with Comenity Capital Bank for XXXX Mastercard in XX/XX/XXXX, made one charge that month and paid balance in full the following month in XX/XX/XXXX. I've not used it since, and never received a card or statement. 

I've tried to close this card ; and instead am now g dunned for {$160.00} in fees for XX/XX/XXXX, which I was never billed. 

Comenity claims it sent me an annual fee bill for {$55.00} in XX/XX/XXXX, which I have never received. Comenity never sent me a bill, claiming it was emailed to me. They then claim this is now {$160.00} due to late fees. I never received any such original or subsequent bills. Checking with my service provider I've not received any bill by email ( not in trash, junk or other folder ). 

I asked them to close my account, which they say they'd already done ; but that the will not adjust a closed account. The supervisor XXXX in Customer Care ( # XXXX ) would also not adjust the account. 

I'm sending them the {$55.00} original annual fee, even though I didn't want the card in the first place. This kind of usurious behavior should be prohibited. Please put this in your Comenity Capital Bank file -- I'm sure there are many others with this same complaint! 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: MN
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:
I have tried multiple times to correct the balance/status that XXXX XXXX is showing on my credit report with Experian, This house was sold and paid in full XX/XX/XXXX. 
Experian is showing the status as " Open/Never late. Deferred, payments begin XX/XX/XXXX '' with an outstanding balance of {$220000.00} as of XX/XX/XXXX. Neither of this is correct! 
I filed for bankruptcy in XX/XX/XXXX and the house was never reaffirmed so amount should have been changed to XXXX back then, but it was sold anyway on XX/XX/XXXX which also should have made this balance XXXX! This account is no longer open and payments are not due in XX/XX/XXXX?? This needs to be corrected immediatley, this is ridiculous! 

I've attached what I could from my XXXX XXXX account showing it is paid in full and balance is XXXX. No statements have been available since 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 2020-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
I have Bank Of America for over 35 years I have no lates no inquiries within the last 12 months and length of time my credit has been established has been over 30 years all that is incorrect I Make enough money to cover my bills I dont see why they declined me for a credit increase please explain what category do I fall under everything they wrote is incorrect and my credit cards are not at the max so please explain you say fair and equal credit opportunity I dont see how. Please explain ... 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 2023-09-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been harassed by and on behalf on World Acceptance Corporation every 2-3 years for nearly 6 years. The account associated with World Acceptance Corporation was a result of Identity Theft and I have tried to resolve this matter on several occasions since XXXX. 

In XXXX, I sent World Acceptance Corporation a copy of the police report and Identity Theft Affidavit as a resolution. No actions were taken by World Acceptance Corporation, neither did I ever receive an acknowledgment of their acceptance of my correspondence. 

On XX/XX/XXXX, I escalated this issue and I filed a complaint with the Consumer Financial Protection Bureau against World Acceptance Corporation. At that time, the Compliance Manager of World Acceptance Corporation, XXXX XXXX, verified that the account was indeed fraud and that it would be removed from my credit report in 30 days. 

On XX/XX/XXXX, I received a disturbing phone call from XXXX XXXX XXXX stating that they were calling to collect a debt on behalf of World Acceptance Corporation. 

On XX/XX/XXXX, I received yet another phone call from a debt collection agency, XXXX, attempting to collect a debt on behalf of World Acceptance Corporation. 

Per the Fair Debt Collection Practice Act, the harassment Ive continuously received is in violation and I am seeking financial compensation.

Company response to consumer: Closed with explanation