BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: IN
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 law, USC1681 and USC 1681s2 this company violated my rights. I have a right to privacy and this company violated that right plus use my and reported my account improperly. 

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 2021-12-16
Company: Cornerstone Home Lending Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a follow-up to a complain that was never resolved but somehow was closed. Complaint ID # XXXX I called Cornerstone Mortgage in early XXXX to get a modification started after a covid forbearance due to loss of income. I called again a week later to confirm that they had received my modification packet in its entirety which they said they had and it would take about 30-40 days for outcome. Then they re-directed me to be put on a deference due to an error on their part. I was told my streamline flex modification would then be expedited!. I have called so many times that I can not count and the reps state anything from " my loan was not currently started on for modification but has been accidentally closed!!! '' to " you are back on deferment '' to " we are working on your modification still ''. ( I am usually on hold 60 minutes to reach loss mitigation ) My single point of contact has no idea what is happening and patches me to loss mitigation. She at one point stated the request for modification has been closed and must be restarted. This is absolutely ridiculous. They have no clue what is happening. I need a resolution not a empty promise of a resolution. I have called at least 15 times since this started with no resolution. Again, this modification started in XXXX and it was confirmed that the package was complete. It is now the end of XXXX. I have no way to get in contact with anyone who knows what is happening. 4 months has past and I need someone from CFPB to intervene please. I am desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Upon receiving a promo with ID # XXXX from US Bank to refinance. I was denied based on some senseless technicality. I have renters in the unit that make payments. The payments would have been lower and should have been approved. They claim it was some federal regulations that prevented the approval. 

I have received numerous promos from various banks and financial institutions. All inform me of this nonsense. I consider it to be harassment to make offers ; waste my time ; and build up hope just to be denied. They will not stop sending this so called opportunities ( offers of deception ). 

Stop them from contacting me or follow through with their offers. 

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 2023-10-10
Company: Associated Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 I received alert notification from XXXX that Assoc Credit Services XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX placed colletion status on all XXXX Credit Bureau. I never received a letter/notice from XXXX XXXX & Assoc Credit Services about the debit. The fair Debit Collection Practice Act states that a Debit Collector before report to the Credit Reporting agencies.

It must complete the following steps ; 1. Speak to you by telephone or in person about debit 2. Mail a letter or send a electronic communication about the debit and wait about 14 days to get a response. 

Assoc Credit Services failed to follow the law. It not a mistake. Associated Credit Services did it intentionally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 2021-12-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The XXXX XXXX  stated that the benefit card was used at the TD Bank XXXX  3 imes between XX/XX/XXXX and XX/XX/XXXX. It was used on XX/XX/XXXX at a store at XXXX XXXX XXXX XXXX. XX/XX/XXXX It was used at an ATM at XXXX XXXX XXXX XXXX. XX/XX/XXXX it was used at XXXX XXXX XXXX, XXXX. On XX/XX/XXXX it was used at a Parking lot at XXXX  XXXX and at a gas station on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had one previous account with Wells Fargo bank a few years back that was closed. I recently opened up a brand  XXXX  account with Wells Fargo In XXXXXXXX XXXX  XXXX and was always transferred to the fraud department due to suspicious activity on my account. They would block my account and between XX/XX/XXXX and XX/XX/XXXX About XXXX checks that i cashed and deposited inside the branch disappeared they have no record of me coming inside the branch to deposit my funds. All checks were issued from the State of Maryland comptroller that were owed to me due to being a victim of identity theft. Upon further investigation I have had a total of XXXX accounts opened with Wells Fargo since XXXX that I didnt open up and were open without my consent

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 2021-12-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX. I am submitting this formal complaint against Bank of America regarding a delayed payment occurrence on my account. The account was established in XXXX, and throughout its history, I have never been late. 

This is what happened : I was traveling for work reasons and fell ill. I can't see any adverse notice and now my perfect credit is destroyed and I can't get home due to the negative mark on XX/XX/XXXX. 

I confirm that I had an adequate balance to facilitate the successful processing of the aforementioned payment. My awareness of the account 's past-due status only transpired upon the identification of adverse effects within my credit report. 

Over the course of the past 18 years, I have maintained an enduring and loyal patronage with Bank of America, consistently exhibiting a commendable record of punctual and responsible payments. This verifiable history of payments stands as a testament to my unwavering commitment to fulfilling my financial obligations. 

It is noteworthy that I possess over 20 distinct accounts, and in each instance, I have diligently upheld a consistent record of timeliness. My steadfast pursuit of cultivating a positive credit history underscores my dedication to financial responsibility. Therefore, I earnestly beseech the company 's benevolence in expunging the record of a belated payment in XX/XX/XXXX from 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 2019-12-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is reporting the following items inaccurately ( see enclosed ).  This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have attempted to resolve the inaccuracies on my consumer report with consumer reporting agencies ( TRANSUNION, XXXX AND XXXX ) for months. They have knowingly reported false information. I have sent them multiple letters via USPS certified mail with electronic signature, so I know they have received them ; I also have invoices. My consumer rights have been violated for months, and I require a resolution. According to the FDCPA and FCRA, these accounts must be DELETED, not UPDATED at this time, because they have not complied with the law. Among the provisions they have broken are 15 U.S.C. 1681 sections 611 ( a ) and 623 and 15 U.S. Code 1681i - ( Procedure in case of disputed accuracy ). They had 30 days to correct these errors, but they failed to do so. I am also aware that I am eligible for statutory damages ranging from {$100.00} to {$1000.00} per inaccuracy. 

The accounts that I am listing below are the ones that they are still illegally reporting inaccurate information on, and I would like them all deleted : XXXX : ACCT # XXXX XXXX  XXXX : ACCT # XXXX XXXX  XXXX : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX : ACCT # 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 2021-07-17
Company: EQUIFAX, INC.
State: DC
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:
This complaint is in regard to consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem i am having is my rights are being violated. Congress put forth rights for consumers protection stating my written consent to my consumer report is needed before furnishing any information. Due to non-cooperation pursuant 15 USC 1692k the agencies involved are civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, Still no response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, XXXX, and Equifax. 

I am the consumer and the natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
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:
I am writing to express my deep concern and dissatisfaction with the recent handling of my account at JP Morgan Chase, account holder : XXXX XXXX, account number [ Account Number ]. Specifically, I am addressing the following issues : 1. Cashed Check : On XX/XX/2023, I deposited a check in the amount of {$2000.00} into my account. The check was duly cashed, and I have proof of this transaction. However, I have not received the funds in my account due to them stating the original person refuses to verify that the check was made out to me. Despite me having a paper proof and a legal binding document that it was made out to me.

2. Account Closure : I received notice that my account, was closed. I have always maintained my account in good standing, and this closure has caused significant inconvenience. 

I kindly request a thorough investigation into these matters and the immediate resolution of the issues mentioned above. I expect a prompt response within [ Specify a reasonable timeframe, e.g., 14 days ] from the date of this letter. 

I am committed to resolving this matter amicably and trust that JP Morgan Chase will take the necessary steps to rectify the situation promptly. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe I am a victim of Loan Churning from PHH Mortgage Company. I have signed a modification dispite that I have not three consecutive payments payments I signed a modification out of distress just for good faith practice on my behalf. After I signed the paperwork I sent it back in a timely fashion as a matter of fact I overnighted the paperwork through the USPS, I have submitted the receipt for that I also have noticed that they continue to try to force me into New modifications when there is no reason to because I am paying. My loan started off at XXXX it's now 140k. Please help me I am paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: GA
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 have attempted on four occasions to dispute a bankruptcy that is being reported on my credit report. I attempted on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time the credit bureaus will report that the information on my credit report regarding bankruptcy is accurate and correct. Each time the credit bureaus will not give me evidence that the information is accurate and correct. I am asking that the bankruptcy be deleted because the information is inaccurate and correct. When I contacted the court, I was informed that they did not send any information to any credit bureaus therefore I would like to know where the information come from that is being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX The guy name XXXX XXXX sent me the amount of XXXX by Zelle XXXX by accident, and he called me to beg me to return the money to him because he have to pay rent and he doesn't have enough money to pay for it. So i told him to wait until I talk to my XXXX bank. 
On XX/XX/2021 XXXX XXXX called me again to ask me to refund money to him, so i call me XXXX bank and ask the XXXX XXXX to see if it's ok to send back the money to him. The agent told me It's ok to refund it to him because the payment when through and clear. I asked the agent, are you sure about it? Because i don't want XXXX dispute the first transaction after i send the money to him. The agent to me that's he sure about it because It's electronic payment so there is no way he can dispute it. So i sent back XXXX to XXXX. 
On XX/XX/2021 I check my XXXX bank account and i saw Zelle disputed for another XXXX. So i contact XXXX and they said, they will do the investigation. 
On XX/XX/XXXX, i received an letter said the payment was correct and there is nothing they can do about it. 

So i contact XXXX to ask him to return the dispute money back to me, and then we found out XXXX already cancel the dispute after i sent the money to him on the XX/XX/2021. But Zelle and XXXX still took my money. 

XXXX XXXX never receive the dispute money and the money never deposit into his account. We called XXXX line with Zelle to talk about it but they can not do anything. I also contact XXXX bank multiple times regard this problem but they can not help me. 

Right now im lost XXXX and we don't even know where is my money. Please help me to solve the prolem. Im so stress out when i call XXXX and Zelle with no help at all. 

XXXX and Zelle stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was contacted by XXXX  XXXX XXXX XXXX regarding a balance owed on XXXX {$2300.00} this was removed off my credit under XXXX  XXXX and they purchased the account I advised I have a police report and identity theft report and they advised they are adding this to my credit report today this is against the fair credit act and this is not accurate I was a victim of identity theft this account is from XXXX or XXXX previously was removed from my credit reports now sold to this collection agency this is also reported on an federal trade commission report attached

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 2022-08-07
Company: Incomm Holdings Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My daughter bought a pre paid vanilla visa gift card from XXXX XXXX and had {$500.00} put on it can provide receipt. Before she even had a chance to use it her money was gone and we can't get anywhere with them or on how to get it back after the store promised to refund her money to her... It's been a on going headache for about a week she bought card on the XXXX of XXXX. When you call card it says to activate it at the store ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use 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 non-monetary relief
Consumer complaint received 2021-10-07
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To : The Office of Registered Agent for Credit Collection Services XXXX XXXX XXXX XXXX. 
CT XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and the original creditor, bonds, the original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX XXXX private medical information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

I have the right to request this information due to the freedom of information act & equal opportunity act. 

The consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation