BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I would like to dispute the accuracy of my credit report, which shows late payments on my accounts. I have always paid on time and have never been late with any payments, and it is therefore absurd that my credit report would indicate otherwise. Please update my credit report to reflect the correct payment history on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In my credit report I see some auto loan that I dont have

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 2020-06-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. The agency have failed to conduct a reasonable investigation and now I'm requesting from them all information they have affirm to have firsthand knowledge of this account reporting with 100 % accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: JPMORGAN CHASE & CO.
State: MD
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:
RE : Chase Cardmember Services XXXXXXXX XXXX XXXXXXXX XXXX, DE XXXX Claim ID XXXX This matter concerns a matter with Chase Credit Card services and a disputed charge which Chase will not investigate fully. I am getting form letters from Chase with denials but no explanation. I would like to speak to someone with the authority to investigate fully so they can truly resolve the matter. 

This is regarding a charge on XX/XX/XXXX listed as XXXX  for {$1100.00}. On XX/XX/XXXX, my company paid XXXX {$1100.00} using my Chase Credit card and sent to payment processor XXXX On my statement, I did not recognize the vendor ( Appears as XXXX on his statement, different than the vendor name ). I could not contact XXXX I cancelled the payment via Chase. In the meantime, I paid the vendor separately and have documentation. 

Chase determined the charge to be valid and reversed the dispute. Due to problems with their secure messaging system and fax machines, they made denials without looking at my full documentation. I finally sent my documentation via US mail in XX/XX/XXXX. I asked for a full review and for someone to contact me. Regardless, Chase is denying my appeal without a full review of my documentation. 

I have clearly paid this vendor separately. Chase has not paid my vendor separately. They are holding on to {$1100.00} and keeping it for themselves. 

They are using their internal problems with secure messaging and fax machines to justify a denial based on the length of time the that has passed. 

I sent Chase copies of the checks sent and letters from my vendor saying he has been paid separately. 

It is very clear to me that Chase is in possession of the funds. Wave has returned all the money. 

I attached copies of the check I sent to the vendor as well as a letter from my vendor stating that he has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Made a deposit at XXXX XXXX XXXX XXXX and received a error message saying they couldnt return the money to me or my account, the bank was still opened and offered no help as to why this atm took my money and when I would receive it back. The actions will now cause me to be late on 2 payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Monthly fees were charged different amounts on different accounts. I was not spending money or using the accounts as one was an open estate account. Because I was not using these accounts I didnt monitor them until I noticed one disappeared from view, then another went negative. Apparently my banker/advisor is no longer there and my accounts were not bundled even though I had preferred and premier services. 2 accounts went negative and were closed, all accounts had unapproved fees. Ive reached out multiple times and received approx {$110.00} in credits back, Im still fighting with them. Ive lost access to the closed account details and only have access to the statements from the open 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 monetary relief
Consumer complaint received 2023-08-28
Company: Nelnet, 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:
Under 15 USC 1681, 15 USC 6801, and 15 USC 6802, student loans should not be on my credit report. These need to be removed from my credit report as there was no authorization, substantiation, written verbal or oral communication for the information to be reported, and is illegal to be on there according to the consumer laws. This information is to be deleted immediately as it is effecting my personal life and credit worthiness, and causing adverse actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: MI
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 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 a Account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: DHI Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX, I visited XXXX XXXX community in hope to find a home. I found my dream home at XXXX XXXX XXXX and we entered into a contract on XX/XX/XXXX is the date I signed. However due to the holidays other would sign the first week in XX/XX/XXXX with a closing date XX/XX/XXXX. I thought everything went well I was told XX/XX/XXXX is the target closing date and I could be changed if need be. I wasnt communicated that DHI wouldn't give me a loan being that they were the one who had given me a pre qualification. Around XXXX I was told by XXXX the loan officer that he wanted me to speak with another loan officer from a different company XXXX or I would need around {$18000.00}! XXXX of XXXX wasn't any help she requested that I refinance my car and I that I put 5 % down payment. My agent asked to change the close date to XX/XX/XXXX, we was told we would get the updated close date document, we never received it. I was suggested to go to a third loan office late XX/XX/XXXX/XX/XX/XXXX to I provided them with all the required paperwork and was waiting on a pre qualification letter. Then I started to get emails about the contract which my sales agent told me to disregard and sge would to let her sales manager know we were waiting for XXXX to provide a prequal. To later learn while I was still actively under contract for the for that home another buyer was allowed to place a backup contract on my house. Needless to say XXXX XXXX cancelled my loan and put the new loan in effect. Despite doing everything I was asked I still lost the house. I am very displeased with the home buying process.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: DISCOVER BANK
State: PA
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:
On XX/XX/2020, Discover Financial Services reported my account as delinquent in the amount of {$3400.00} which is incorrect and the correct balance is {$3200.00}. I contacted Discover to agree to set up a payment arrangement on a different date due to my job being affected by Covid-19. However, they reported me anyway while I am still on a  payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This mortgage was paid off on XXXX XXXX by XXXX XXXX XXXX XXXX thru Escrow company XXXX XXXX XXXX XXXX. Since I was selling this house everyone wanted it to close fast. Someone did not update the demand for payoff of the loan and instead of paying {$580000.00} actual mortgage payoff, the title company wired {$590000.00} ( Im using rounded numbers ) so this created an overage that was due me out of my equity proceeds. There was an overage which was sent back to an ach number that had nothing to do with the loan payoff. Rather than send it back to the title company SHELLPOINT sent it to a contractor who was working on my house and we had an arrangement. I paid him already out of my escrow proceeds the money due him and this money was supposed to come back to me. Its mine. I do now wish to deal with Mr. XXXX XXXX the contractor anymore because he has threatened me many times and Im afraid for my life. SHELLPOINT mistakenly sent the money back to him because he was making the payments because of our business arrangement. The money was supposed to come back to me the only listed person on title. We signed a release and I sent him the remaining money he was due. Im XXXX years old and he used my house to make money and threatened me when I started acting up. SHELLPOINT said they were looking into it last Thursday then I called today and they had NO record of anyone looking into my concern. They gave me the ACH numbers which match up to the contractors Routing and account number. The contractor has not sent the money back to me and SHELLPOINT is saying so far they are looking into it but noone calls me back! They claim they sent it back to the last ACH number they had in their file and that would have been the contractor because he made the last payment to them ... but I already settled up with him on this payment. I am afraid to contact the contractor. SHELLPOINT should have never wired to an account when they didnt know who owned the account. SHELLPOINT was very rude to me.

I am left without {$5100.00} I was due and as a senior citizen recovering from XXXX I have limited resources now after this sham contractor used me. SHELLPOINT needs to get the money back from XXXX XXXX ACH XXXX XXXX and deliver it to the right owner on title, me. Mr. XXXX is not on title to my home and never has been. He tried to get me to sign over the grant deed and I refused. The property address was XXXX XXXX XXXX, XXXX XXXX  XXXX, Ca XXXX - my sold house. 

Thank you please help me. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a current mortgage customer with Wells Fargo Mortgage. I started the refinance of my home in South Carolina at the beginning of XXXX. My income change after the death of my ex husband and I wanted to obtain a lower mortgage payment plus pay off two loans, As of today, XX/XX/2020 my refinance has not been completed. I am very upset after being told that refinancing can take up to ninety day. I have provided all requested documentation and received a conditional commitment letter on XX/XX/2020. The processor of this refinance is XXXX XXXX who has been very unprofessional by not returning my calls or responding to emails. I am also working with XXXX who has been absolutely wonderful. XXXX assisted me with my Executive Complaint and he was very helpful as well as Miss XXXX who is currently assisting me with try to get to a closing date after almost seven months.

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 2023-01-22
Company: Bread Financial Holdings, Inc.
State: DC
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:
On XX/XX/XXXX my flights were cancelled due to weather. I received a flight and rental car refund to my Lands End XXXX credit card account. On XX/XX/XXXX I requested the credit card company send me a refund for the credit of over {$700.00}. I made the request thru the automated system, but then also spoke to a representative to confirm my request had been received. I was told I should receive a refund check within 10 days. 

On XXXX when I had not received my refund I check, I called again. After speaking with XXXX different people I was advised that because I have a credit freeze on my credit bureau account, my request had been cancelled ( but no one bothered to tell me ). Instead, I was told it was now necessary ( under the law ) for a supervisor to call me to confirm my request. I was further advised that my refund would be made to my checking account ( even though that is not what I was previously told, wanted or requested and I had not provided any account information ). No supervisor or anyone else contacted me after XXXX  to advise me of this and I received no call. On XX/XX/XXXX, I was told my refund request would be forwarded to a XXXX who would call me within XXXX hours to confirm my request. I was told that they could not tell me when to expect the call, but if I did not answer, there would be no message. If I failed to answer, I would get a letter within XXXX weeks that would provide a toll free number to call to confirm my request. I was told the supervisor could not provide the number in a voicemail if I missed the call. 

It is now XX/XX/XXXX, and, needless to say, I have received no call. I believe this refund procedure is a scam to hold my funds like an interest free loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Chapter XXXX Bankruptcy was reported in my Transunion credit report on XX/XX/2010. 

It was reported by : Federal District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX ( XXXX ) XXXX Case Number # XXXX XXXX The United States Bankruptcy Court, Distric of Puerto Rico, notified that the Trustee appointed in the aforementioned cases filed a Report of No Distribution on XX/XX/2010. 

The United States Bankruptcy Court, District of Puerto Rico, ordered for the discharge an the closing of the case on XX/XX/2010.

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 2021-04-01
Company: EQUIFAX, INC.
State: PA
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:
Dear Legal Department : Re : Acct # XXXX This letter is in regards to a phone call I placed to your company regarding the account listed above. I called to inquire about this account that is listed on my Credit Reports. I spoke to a Customer Service Representative XXXX, and She informed me that your company does not have any information on this account that it was all sent to a collection agency. How did you investigate this account with out any documentation? I contacted the collection agency your rep told me about and they could not validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have no knowledge of these collections account on my credit report I believe their are multiple accounts in collections on my report I never had any business with I dont know who they are XX/XX/2023 last reported XXXX XXXX XXXX {$1100.00} Amount XX/XX/XXXX Placed in collections XXXX XXXX XXXX {$600.00} amount XX/XX/2023 placed in collections last reportedXX/XX/XXXX in collections XX/XX/XXXX last reported {$3300.00} amount I have no knowledge of these accounts s in collections never saw them XX/XX/XXXX{$380.00} amount XXXX XX/XX/XXXX last reported {$760.00} amount Placed in collections XXXX XX/XX/2023 last reported {$840.00} Placed in collections

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 2022-06-16
Company: EQUIFAX, INC.
State: NY
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 XXXXXXXX XXXX Account # XXXX, has violated my rights. 
And also the following accounts too XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX Chapter XXXX Bankruptcy Ref # XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: AL
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:
in accordance with the Fair Credit Reporting Act 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 a account without my written instructions

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 2023-06-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
If any amount over {$1.00} is owed to the consumer, it must be returned, without exception. This is stated in the relevant regulation, 12 CFR 1026.21, which falls under 12 CFR Part 1026 ( Regulation Z ) that protects consumers in credit transactions. According to the law, the creditor must take the following actions : A ) credit the credit balance amount to the consumer 's account, B ) refund any remaining credit balance upon the consumer 's request, and C ) make a good faith effort to refund any credit balance remaining in the account for more than six months by cash, check, or money order, except in cases where the consumer 's current location is unknown and can not be traced through their last known address or telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: AL
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:
in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX  Act. # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The CRA 's arent allowing me to freeze, lock, or View my credit. Equifax is not updating any information to view. Status is internal lock. XXXX will not allow me to enter my account without forcing a membership. Please help Fix the issue please

Company response to consumer: Closed with explanation