BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
fraudulent charges made. not my charges card was stolen. Please remove from all 3 credit reports XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Last payment XX/XX/2019 Credit Card

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 2019-08-14
Company: AMERICAN EXPRESS COMPANY
State: TX
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 tried to dispute 3 accounts on my credit report for fraudulent activity and my dispute has been denied even though I have submitted a police report to the during the dispute stating that my credit cards were stolen and charged before I could cancel them. It is for American Express and XXXX XXXX. The third one was for a loan taken out in my name that was also fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received an direct deposit in my account. After the money was received I was unable to access my online banking account. It instructed me to go in to the Bank of America Firm. I went in and spoke with the Accountants and was told my account was pending closure, and It would be official closed by the end of XXXX. The end of XXXX comes and I never received the check. They were supposed to mail to me so I tried to go back up there. They instructed me that I needed to do a verification process and that they couldnt do it inside the bureau so they had to call another associate its higher up in order to assist. A month goes by and I get a letter in the mail stating that my account has officially been closed and if theyre holding my funds. Mind you I was still getting direct deposits from my job into the account so I have yet to receive any of the money from my jobs for the times I have work. I spoke to Bank of America about the issue and they keep giving me the runaround. Its been over two months and I have yet to receive any of my money. Im behind on bills. Im now going in the debt and in that process I ended up falling behind on my bills

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 2021-05-17
Company: Louisiana Recovery Services Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I just went back to work, and a debt was sent to Louisiana Recovery to collect said debt. Theyve repeatedly called my phone after I ask them not to, and they have used abusive language and ive asked them to cease further phone calls. They told me they will keep calling until I pay my debt. Then hung up on me.

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 2023-08-24
Company: EQUIFAX, 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 status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am resubmitting CFPB complaint XXXX submitted on XX/XX/2022. In these two complaints I am requesting Carrington produce the mortgage note as evidence that Carrington owns the note. Over five years ago, Carrington notified me in writing that my loan was sold to XXXX. 

I am requesting that Carrington produce the original or certified proper copy of the mortgage note for the Borrowers and Department of Veteran Affairs inspection immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I went to buy something at Best Buy they opened up a card and charged it on there. I never received the card or any statements. I went to Best Buy and paid what I owed, they told me what the balance was. I then started getting calls from Citibank about Best Buy but my understanding I paid what I owed. Never had a physical card from them or any bills. I had paid whatever was open at Best Buy in person. Now theyre charging me with fees on top of fees and dont care about my situation it is not just.

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 2019-08-14
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have requested several times that the PMI be removed from my loan and always formally denied even though after completing renovations my home has appraised way over the 80 % of the loan. I have even received letters from the bank in which I have ( see attached ) the loan with stating my home is worth {$510000.00} and my loan balance is {$300000.00} well under the {$410000.00} limit. I have paid off more than 3 mortgages, have an over 800 credit score, and well over XXXX in savings, and do not see why I am paying over {$200.00} a month in PMI. I am not a risk, and even if I was this mortgage is insured by the government so do not see why an additional PMI payment was ever needed. 

I want the PMI removed from my loan and a refund of the PMI I have already had to lay out in order not to be delinquent with my mortgage. I knew I would be doing major renovations so that is why I did not put down 10 to 20 % down. No where on my loan documents does this say the PMI can never be removed. I want this off my loan. I asked to be shown where I was told this would never be able to come off my loan? I was not given any disclosure and there is no mention of it in my mortgage. I was also informed that stated in the by-laws a request can be made from my mortgage company ( NewRez LLC ) on my behalf to FHA to eliminate the PMI. I feel this fee is very unfair. I have a very low mortgage compared to the value of my home ( {$510000.00} ) and I am willing to get an appraisal to prove this, I have an over 800 FICO score, in the past I have paid off multiple mortgages, I have been employed full time for several years, I never had a late payment on anything!!! I told my mortgage company ... '' Please, I am requesting some customer service. Please put an inquiry to FHA to eliminate this PMI from my loan. '' Also I asked if I have an option to pay down the existing loan of {$320000.00} to an 80 % value {$260000.00} with a payment toward my principal of {$40000.00} which would recast the loan in hopes to eliminate this PMI. They have no proof this was explained to me before hand. I asked them to produce something that was signed and they couldn't. I also asked for a compromise since they can not. Why won't they ask FHA on my behalf to reconsider? 

Would appreciate any assistance you can give. I feel this is a very unfair practice and PMI should be eliminated across the board and money should be given back to not only me but all mortgagors.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XX/XX/XXXX I was trying to get a modification from Flagstar Bank of my mortgage as I missed a payment. I submitted a modification package to Flagstar bank to obtain a loan modification. Unfortunately for the next to 2 years I was requested to resubmit a new modification package every 3 to 4 months as the most recent package they had in their system had expired due to the back log of loans they had to review. After 2 and half years Flagstar sold/transferred my mortgage to XXXX in XX/XX/XXXX/XX/XX/XXXX XXXX after 3 months since acquiring my mortgage from Flagstar, they started foreclosure on my property. But when Flagstar sold/transferred my property to XXXX they made an error in the assignment of my mortgage. Currently I am trying to walk away from the property by doing a Deed and Lieu with the current mortgage company XXXX XXXX XXXX, but the error by Flagstar with the assignment of mortgage is holding up the process. I was informed that it will take Flagstar Bank to 45 to 60 days to sign the Gap assignment of mortgage form so the error they made can be fixed. With Flagstar Bank needlessly prolonging the process with reviewing for loan modification and now to correct their error with the assignment of my property mortgage, they are consistently showing their negligence. With me being a former mortgage underwriter, show that there is a lack of professionalism and integrity in the mortgage industry.

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 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My information was illegal obtained. I never opened these accounts.

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 2019-08-14
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems ; is the collection agency. 
Original Creditor =XXXX XXXX  XXXX XXXX . Date opened : XX/XX/XXXX. First reported XX/XX/XXXX. Collection account, balance {$5400.00}. The account is scheduled for continuous until XX/XX/XXXX. Investigation outcome reported the information to XXXX  was certified and accurate.The item was not changed as a result of the dispute processing my credit score was lowered from XXXX to XXXX.The balance on the account is incorrect, deceptive and falsified. Never informed or contacted about such delinquent account until the appearance on credit report. Sent XXXX  all recorded documention of proof for dispute. I give CFPB permission to request proof documents. Sincerely, thank you, for your help and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Exeter Finance Corp.
State: OH
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:
Exeter Finance stated they would continue to report on my credit if I dont file a identity theft claim. Exeter due to section 623 of the fair credit reporting act your company must show valid proof that this debt is belongs to me. Your company has failed to due that with many poor attempts to do so. To answer your question from last complaint from car dealership. During the process was told I wasnt needed and XXXX Income was sufficient enough to get the loan on her own. While the loan was being signed I was cracking jokes with the salesman stating this is his last day. XXXX only signed her name and as proof neither of thos signature match ours so either your company or dealership attempted to correct a mistake and sign my name. No claim has to be made on my end you have to validate debt because thats how the law works. Unfortunately for your company as you stated dealership provided you the copy of the documents think you should take that up with the dealership. Please come and get the car I will not be making anymore payments on the car. 


I've attached cfpb complaint, Identification with vital information removed partial due to cfpb stating not publish vital information, signature of another contract

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I woke up on Monday morning XX/XX/19 to an unauthorized XXXX transaction for {$1200.00} due to someone hacking into my account and sending themselves funds. I immediately called my bank Chase and let them know and at that time a claim was filed. I went ahead and made arrangements to pay things later with my billers and even had an emotional phase. On XXXX  XX/XX/19 I wake up and I have all my money back in my account my balance was back at {$1800.00} I was so excited I called chase and reset my online profile as they advise when I filed a claim I then called all my billers advised I could pay on time but one of my billers advised he could not process a payment. Later when I was finished with work I went to Chase in XXXX California and met with a banker named XXXX he advised me my account was frozen due to the rep who reset my online information forgetting to unfreeze my account he told me the payment to XXXX XXXX for XXXX was cancelled and the money was mines. I went ahead and made purchases for things I needed. On XX/XX/19 I wake up and my balance is XXXX to my surprise Chase has taken the money BACK out of my account. This puts me and a very hard spot not only do I not have my money but I was tricked into making purchases for things I would have never bought had I known Chase was planning to redraft the funds. This is not the way my bank should make me feel and I need those funds back immediately. Now more than ever

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
Company: DISCOVER BANK
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:
Information is being reported on my consumer report without my WRITTEN CONSENT. I did not authorize any of these companies to report or obtain information to report on my behalf. Please see attached documentation explaining further my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Pacific Credit Exchange Corporation
State: CA
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:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance XXXX {$1700.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The company, Synchrony Bank, has a 23 day billing cycle that creates a " dead week ''. The payments made during that week are applied to the previous month 's balance, but not in time to stop a late fee. The payments made during that week also do not create a credit on the account, therefore it does not count towards reducing the next month 's payment either. Today, when asking about this practice ( XXXX at approximately XXXX XXXX EST, ) a young woman by the name of XXXX was condescending and rude. Asking " Since I can not magically change our billing cycle, is there anything else you need? '' It seems to me that this " dead week '' is a business practice set up to rip people off by creating late fees and balances where none would exist if the overage were applied to the next month.

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 2020-02-05
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 status incorrect

Complaint:
XXXX XXXX  has reported me as late on XX/XX/2019 when my state was in a declared state of emergency due to hurricane XXXX in the state of Florida and as such I believe the account should not have been reported late being that we are in a state of emergency and I was unable to make the payment and XXXX XXXX was explained that information

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 2019-08-14
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
An AMEX supervisor promised me he would get my complaint reopened ( which he did ) and promised AMEX would reach out to the merchant ( which they didn't ). I told him that if we didn't hear anything back from the merchant, I would close my account. I expect AMEX to be able to get responses from businesses that use AMEX for receiving payments. AMEX closed my case less than 24 hours after the supervisor opened it and they never even attempted to contact the merchant!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Nelnet, 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: Account information incorrect

Complaint:
I owed a amount to Nelnet and the debt was forgiven due to a total and XXXX XXXX program. I have contacted them before and they stated they would remove the debt from the credit reports and I have a letter saying such but I have not seen a change in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
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 While checking my most recent credit report, I noticed credit inquiry that I did not authorize.

These inquiries needs to be removed from credit report ASAP. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation