BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
As a result of COVID-19 all of the GSEs have been authorized by the federal government, via the loan servicers, to provide up to up to 12 months of forbearance on GSE backed mortgage loans. All of the GSEs have made public pronouncements of the same. 

However, my lender/servicer - Quicken Loans, like many other servicers, is not complying with this mandate. 

They have offered 3 months initial forbearance after which I can apply for 'an extension '. BUT HERE IS THE CATCH ... at the end of the 3 months I have to pay all the outstanding payments in full before I can apply for an extension!!! I NO LONGER HAVE A JOB!!! 

When I hesitated at this I was advised by Quicken Loans that I could ask for a modification at the end of the 3 months if I couldn't come up with all of the back payments. But they would not be able to guarantee that I would get the modification or provide me with what those terms would be. My response was there was no way I would be able to come up with that money nor could I afford to have my payments modified by increasing my payment to make up for the forbearance payments. I would need the payments added to the end of my loan per the GSEs communications on this subject. They advised there was no way of them being able to guarantee that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My primary bank for the past 17 years has been Chase. 
I have never had any issues in managing my credit, i.e. I have never had any delayed payments, any checks that have bounced, I have had an impeccable financial credit history. 
On XX/XX/2021, my Company informed me that Chase has refused to accept a direct deposit into my account. I was surprise since there was NO notification from Chase on their intention to close my checking account after 17 years. 
After a long back and forth with Chase, I understand they have the right to close my account without offering any reason. BUT they have to inform me, I asked them for a copy of any communication they claim to have sent to me- they couldn't reproduce it. 

I have moved on from this, but I read remarks XXXX XXXX made regarding lack of transparency at large financial institutions on how they use algorithm to make decisions. There are inherent biases built into these algorithms no matter what the companies might claim. I am not expecting any action or result, but I hope you institution will look at financial institutions like Chase and how they are treating their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: VA
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:
The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 


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 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 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 2022-09-13
Company: Experian Information Solutions Inc.
State: MS
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:
No proper investigation has been performed by credit reporting agency nor legal documentation have been sent to consumer for review involving prior complaint on accounts listed on consumers report which violates consumers rights under 25 USC 1681. 15 USC 1681b ( a ) 694 ( a ) ( 2 ) states that a reporting agency can not furnish an account without my written instructions. No legal documentation have been sent to consumer to confirm that consumer gave written instructions to publish such information. 15 USC 1681 ( c ) ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information other than records of convictions of crimes not debt which anti-dates any reports by more than 7 years. Consumers rights have been violated under this code.

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 2019-07-25
Company: BARCLAYS BANK DELAWARE
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 information incorrect

Complaint:
My complaint is against Barclays Bank Delaware Account # XXXX, open : XX/XX/2014, status Paid and closed with {$0.00} balance and XXXX credit bureau. Back on XX/XX/XXXX I sent a letters to the mentioned companies letting them know that Im a victim of fraud and account has to be removed, as required by the California Reporting Act, due to the fact its fraud related. The fraudulent account was removed from the other 2 credit bureaus only XXXX  has not done so, making a violation to the FCRA. Im attaching the letters a sent to the mentioned companies on XXXX, with a Federal Trade Commission report that was also sent to the mentioned companies. This account has to be removed from my XXXX credit report or else I will take legal action in the event that this account remains in my report. I have a {$400000.00} mortgage loan pending due to this error of this mentioned companies. This is my last source Im using to fix this error and if it is not fix it will be resolved in court. I would also want to request a deletion letter from Barclays Bank through CFPB portal as soon as possible to provide to mortgage company. 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 2022-09-13
Company: Experian Information Solutions Inc.
State: MD
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:
Account Name : XXXX XXXX XXXX Account number : XXXX On XX/XX/2022 I sent a letter to Experian and XXXX XXXX XXXX  to validate the debt or resolve and delete it off my credit report. Experian failed to investigate properly and retrieve the information I asked for to validate the debt. 

I asked for the following information and did not receive it. 

1. Proof that I owe the debt and that you have the legal right to collect on it. This could include the original contract from the creditor with a signature or any other documentation from the creditor that proves I owe the debt. 
2. Proof that the debt is still within the statute of limitations and the method you use to make this determination. 
3. A photocopy of the agreement Experian change the status to update to the XXXX XXXX XXXX account without proper investigation and deleting account as they stated in the prior complaint. 

I received a mail from XXXX XXXX XXXX, and they were not able to validate the debt and provide any proof that I owed the debt. Nonetheless they stated that they did not take over the debt and there for can't provide me with any information. 
As they stated I do not owe XXXX XXXX XXXX anything and they should not be reporting anything on my credit report.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report CAPITAL XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$300.00} XXXX  XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$300.00} XXXX  XXXX XXXX Balance : {$810.00} XXXX  XXXX Balance : {$300.00}

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 explanation
Consumer complaint received 2023-08-09
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi! 
I am following up on claim # XXXX which was closed and Cash App did not provide a response to the claim. 
Please see below for claim details : I am reaching out to complain about Cash App 's lack of action in addressing a scam that has happened. I opened up a claim for five fraudulent transactions ( Amounting to $ XXXX ) on XX/XX/2023 as I did not receive the final product from a merchant, who turns out to have been impersonating a XXXX XXXX Teacher for the past year. XXXX XXXX XXXX is investigating the case ( Rept # XXXX ). The first fraudulent transaction was executed through money added from my debit card account directly to Cash App and sent to the merchant, which was $ XXXX subsequent four transactions amounting to {$1000.00} were still pending transactions at the time I called Cash App, XXXX, and contacted law enforcement. Per phone recordings, it is evident that Cash App Customer 's Service refused to stop the payments or issue a chargeback fraud to help me, the victim, retrieve my money. The transactions were still pending since the money was NOT added to Cash App, thus the transactions were not processed yet. Cash App had sufficient time and information to be compliant and execute a chargeback to interject these fraudulent transactions from being processed but it seems as if they had not. I reached out to the fraudulent merchant to try and get a refund but was not successful. Throughout this deceptive situation, Cash App failed to responsibly protect me as a consumer from financial loss upon being informed about the situation. Both legal and financial institutions were informed about the fraud and the transactions amounting to {$1500.00} but Cash App and XXXX but both institutions failed to prevent the money from reaching the fraudulent merchants given the timeline and information received. I would like your team to further investigate this case and issue a chargeback fraud. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: CITIBANK, N.A.
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:
You guys gave me a hard inquiry and rejected me thank you for ruining my credit I'm over 700 I should of been approved. Never will do anything related with you guys in the future. Disgusting company I could of bought what I wanted in full but this seemed like the only way to get it now I'm pisssed off with you guys and best buy

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 2023-07-18
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 need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

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 2021-10-29
Company: EQUIFAX, INC.
State: DE
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-05-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have a lot of hard inquiries on my credit report that I disputed with the three major credit bureaus. I also disputed them with the companies that submitted the hard inquiries. Second I an account that shows late payments that is incorrect.

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 2019-12-03
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX  ; Experian and XXXX  are reporting incorrectly lates on the USD/XXXX  ; XXXX ; XXXX/XXXX  and XXXX  student loan accounts. ( Please see attached spreadsheet as well as pages from my credit report for reference. ) These student loans are in forbearance and therefore no late payments should have accrued. This false reporting of lates is seriously harming my credit score and these multiple line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to have these items removed however, I have not been successful.

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 2019-07-25
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple calls ever single day for 2 months. They have released my Social Security Number to me and family members. The phone # calling me is XXXX. They repeatedly tell me we are gon na call you and hang up. They say they are with XXXX  for a claim with Wachovia bank which is now Wells Fargo. I called Wells Fargo and they stated I have no claim or balance owed. They call my family members everyday. They refuse to mail the debit collection to me. They mock me on the call and disconnect. They are not releasing the call ia recorded when the call. They once released my SSN and then said call is recorded

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 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called Transunion and spoke to a supervisor named XXXX XXXX who refused to help me with my unauthorized inquiries that he could not remove any inquiry even if they are not authorized so I need these inquiries removed that were not authorized 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 2023-08-09
Company: WELLS FARGO & COMPANY
State: NC
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 hard inquiries that I have no knowledge of XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ). XX/XX/XXXX XXXX XXXX ( XXXX ). XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ). XX/XX/XXXX XXXX XXXX ( XXXX ). XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ). XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ). XX/XX/XXXX XXXX XXXX XXXX XXXX ). XX/XX/XXXX, XXXX XXXX Bank XXXX XX/XX/XXXXXXXX XXXXl ( Bank XXXX XX/XX/XXXX XXXX Hard inquiries that I have no knowledge of XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 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 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 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 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 2022-05-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the fair credit reporting act Account number:XXXX has violated my rights 15usc 1681 section 602 a states I have rights to privacy. 604 a 15usc 1681 section 2 states consumer agencies cant publish account without consent Experience and 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