BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: TX
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:
Recently my mortgage loan score, auto loan. Dropped after XXXX money was paid i early XXXX. They just did an evaluation an my credit score didnt move. Mind you i was only XXXX in debt. Paid half of that debt off. To include i make XXXX by myself not including my spouses XXXX she makes. How is it that my scores are XXXX, XXXX, XXXX. Ive reported indentity fraud to the bureaus with evidence of it an they still hold this information as a liability to my credit. I collect retirement from 20 years of the military and i currently work how it is possible for my credit to be so low. I need this situation investigated because they poorly managing my credit and because of it as just retiring last year as a XXXX veteran I can't buy my family a house of their own, a suitable loan for a car an be comfortable from after defending my country.

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 2019-10-31
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Only XX/XX/XXXX My debit card and ID were stollen from my wallet. On XX/XX/XXXX These items were taken to a Chase bank where money was withdrawn from my savings account. I called the fraud and claims departments and put a freeze on my account. Only XX/XX/XXXX there was another withdrawal from my checking account. I called Chase because my account should have been frozen. They froze my savings account but not my checking. Both accounts can be accessed with my stollen debit card. I have two factor authentication set up on my account, I received the OTC from the bank when the withdrawal was made. Evidently a teller is giving someone cash from my account with only my debit card and ID and not visually verifying their identity or requiring a pin or actual 2 factor authentication. A teller has also given away my checking and savings account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
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: Credit inquiries on your report that you don't recognize

Complaint:
identity theft inquiries XXXX XXXX XXXX, XXXX 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 2023-04-10
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom mortgage is not applying my full mortgage payments to my account. I have made payments of {$970.00} since XX/XX/2022 to my previous lender and to Freedom mortgage once they bought my loan in XXXX. I have not missed a payment in 8-9 months. Louisiana. HAF have just approved and SENT PAYMENT to FM of {$8100.00} for mortgage reinstatement and also approved me for {$5700.00} of future mortgage payments. Prior to getting approved I have made the full {$960.00} payment for the month of XXXX already. HAF also covered the month of XXXX. I received a statement saying i owe {$1900.00}, but i have partial payment unapplied {$1000.00}. All of my back pay has been paid, two payments for XXXX was also paid and for some reason since FM has bought my loan they have put my $ XXXX payment into a suspense account but only applying {$510.00} of my payment to this suspense account. I have attempted to figure out where my money is going, but nobody will help me. my mortgage payment is UP TO DATE. HAF has sent the needed payment to catch me up, approve me for future payments until XXXX AND FM has received two mortgage payments of {$960.00} for the month of XXXX! FM is fraud and will do anything in their power to make it as if the debtor is always behind when they arent. i am currently now in bankruptcy, but will be making my mortgage payment on my own and XXXX through my trustee. Lawyer has sent over documents multiple times to FM stating they can speak with me, but nobody can seem to find the information that my lawyer has sent over several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2023 I went into my local wells Fargo bank and tried cashing a check, the check was in the amount of XXXX $ the bank teller told me I had inefficient funds and would not be able to cash the check I showed her a law that she was required to provide me funds having a account with them and asked to speak to the manager I showed the manager the law which was effective XX/XX/XXXX that under 18 usc .8 they are obligated to do. The bank manager had a different interpretation of the law in which I then left the bank and went to the state police and asked if he could interpret the law, the officer interpretted the law and said that it's a federal matter but that the bank under that code is obligated to provide me with the funds so im taking this matter up with you as we all need to come to the understanding of the law and follow them accordingly., we need to hold financial institutions accountable, https : //uscode.house.gov/view.xhtml? req=granuleid : USC-prelim-title18-section8 & num=0 & edition=prelim

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 2023-04-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
Carrington mortgage is refusing to provide me with a payoff letter. Ive followed all of their instructions and they keep lying as to why I cant get this letter. First lie. they said application letter wasnt received. Second lie was I didnt sign it and the 3rd lie was that my email address wasnt associated with the account. This is my fathers house. He passed away last XXXX. Weve been dealing with probate. Carrington was advised every step of the way on progress etc. now it seems their refusal to provide this letter in a timely fashion leads me to believe theyre trying to sell the house from under me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I FOUND ON MY CREDIT REPORT THAT ERC PLACE A COLLECTION FOR XXXX, I HAVE REQUESTED TO ERC A VALIDATION OF THIS DEBT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One sent an email ( attached ) alerting me that due to inactivity my credit card account would be closed in XX/XX/XXXX, but until then it is restricted and can't be used, thus it is effectively already closed. This was the first correspondence I received related to this issue and was not given any time to make purchases to keep the account active. I believe this is a deliberate effort to cancel credit accounts of customers as banks worry about issues related to COVID-19. I have outstanding credit and a perfect payment history with this bank. I have multiple credit cards with other banks that have provided notices that activity was required to prevent account closures PRIOR to actually restricting or closing the account. This was the first notice I received. After calling the bank and speaking to two different CSRs I was told that the account could not be reactivated and that the credit could not be transferred to another product.

I believe per the terms of the The Credit Card Accountability Responsibility and Disclosure Act of 2009, banks are required to provide 45 days notice to consumers of any major changes to the terms of the account. This needs to be included in this provision. 

It is completely inexcusable for a bank to just cancel your credit card account without providing any notice or providing an opportunity to make a purchase to keep it in good standing. 

I am outraged that in the midst of a pandemic banks are allowed to indiscriminately cancel people 's accounts without due process. 

Please investigate this matter and determine if this a pattern with regard to how Capital One is handling their credit card customers. 

Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I have already gotten a police report with local police. And I have contacted the FTC. These items need to be deleted from my credit report. XXXX, XXXX, XXXX, XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, XXXX, XXXX  XXXX, XXXX XXXX NA 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 2021-10-05
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 2019 someone opened a Discover credit card without my consent using my name social security number online. This account was charged off and has affected my credit score and me obtaining new credit. I have reached out to the credit bureau and Discover Financial on multiple times and they still have not removed item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NH
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 name is XXXX XXXX XXXX, i have attached my ssn and drivers liscence for verification, whatever authrorization you say you need from me consider it given.. 

ive been a victim of identity theft and need these hard inquiries removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Out of the blue, I received the following notice 3 days ago from XXXX : AARGON COLLECTION AGEN has flagged your account as Collections. 
Today AARGON COLLECTION AGEN has flagged your account as Collections on XX/XX/2023. 
Source : XXXX XXXX : AARGON COLLECTION AGEN Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$56.00} My credit is now being adversely affected and I don't even know or have an inkling of what this is about. I have previously received no correspondence whatsoever from this debt collection agency. I received no physical mail, phone call or email. Can they legally tarnish my credit like this?

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 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed 2 items on my credit report from XXXX XXXX i sent them letters on XX/XX/2019 i asked for the original contracts with my signature on them and the amount i supposedly owed because i have not had anything from 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 2019-03-16
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage LLC, dba Mr. Cooper, XXXX XXXX XXXX XXXX, XXXX TX XXXX sent me an incorrect form XXXX for tax year 2018. Box 5 Mip states {$540.00} which is incorrect It should be {$1100.00} which is confirmed in my escrow statement. Customer service agreed with me. 
I received the form XXXX on XXXX and I called Nationwide on XXXX Cooper sent me RESPA notice of 45 days to respond. It is now past 45 days and I want action as I need to file tax returns. Cooper has slowed walked my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: ALLY FINANCIAL INC.
State: WI
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:
My Ally car loan is showing late payments. I have been attempting to have the late payments removed by disputing every month since XX/XX/XXXX. I've disputed between the months of XX/XX/XXXX - XX/XX/XXXX. Each time the dispute is initiated - Ally reports updated information to XXXX, XXXX  and XXXX  changing the level of delinquency and in which months the payments supposedly happened. The Fair Credit Report Act explains that since the information is inconsistent it must be removed and not updated. I attached the latest example of how Ally is reporting different late payments to XXXX  and XXXX. Please help me to have all late payments removed from my credit reports.

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious account. I think you have not validated this account. This was already included in my prior COMPLAINT, and I'm including it again. 
Please validate this account : XXXX  XXXX XXXX .... Balance : {$560.00}

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 non-monetary relief
Consumer complaint received 2018-09-03
Company: Marlette Funding, LLC
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 checked my credit report, noticed two inquiries from XXXX XXXX, XXXX and XXXX that I'm unsure of where they originated. I have not applied for any new accounts because of my open bankruptcy yet inquiries from different courses keep popping up. I have added fraud alerts to all of my credit files with each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Park Hill Holdings
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Im a victim of identity theft. All the criminal charges that are appearing on my consumer report are fraudulent and dont belong to me. I dont recognize them nor did I authorize them. I ask that you follow the guidelines of the FCRA Section 605B and please delete and blocked all fraudulent information from consumer file. Attached is a copy of my Ftc, Police Report, section 605B of the FCRA and a copy of my Drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Over the past 10 years I had check my credit report, on XX/XX/2019 XXXX XXXX XXXX called me and said I owed them {$2800.00} which I had no knowledge of that's when I realize I was a victim of Identity theft. I filed a police report and a report with the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: AZ
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, 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 I request due to errors on account status and payment history the account be removed immediately from XXXX, equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, ACCOUNT # 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 2019-08-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
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:
Multiple charges on my Citizens Bank Debit card was done today on XX/XX/19. Five charged  for {$4.00} to unknown as of right now, one charge for {$7.00} to " XXXX '', two charged of {$79.00} and {$16.00} to " XXXX XXXX '' and one final charge for {$14.00} yo " XXXX XXXX XXXX ''. One other charge for {$390.00} was declined, and was alerted to me by the bank earlier this morning. 

The card was not stolen, but these charges were still done. I alerted the bank, but a friend of mine told me to take an extra step and address this to the consumer protection bureau, as well as the police.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
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 information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NJ
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:
Hello, my name is XXXX XXXX XXXX. After carefully reviewing my personal consumer credit report, there are hard inquiries that I did not authorize. I request that these Inquiries be removed immediately upon investigation. I have listed all of the creditors below that have violated the permissible purpose Section 604 under the FCRA [ 15 U.S.C. & 1681B ]. The below creditors have submitted a credit request without my permission & without my signature.

Company response to consumer: Closed with explanation