BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-24
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: Personal information incorrect

Complaint:
I have previously requested that the credit bureaus delete the following addresses that are reflected on my credit report. They have each responded that the addresses had been previously deleted ; however, when I retrieved my most recent credit report on XX/XX/18, the addresses are still being reflected. I have also requested that the alias ' be removed from my credit reports, yet the bureaus continue to report them. This is a violation of my consumer rights under the FCRA. I am again disputing the following alias ' and addresses for them to be removed from my credit reports : XXXX : *Delete XXXX XXXX & XXXX XXXX XXXX *Delete addresses : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX, XXXX, FL XXXX ( These addresses do not belong to me ) Equifax : XXXXUpdate name to XXXX XXXX XXXXDelete XXXX XXXX XXXX XXXXDelete address XXXX XXXX XXXX, XXXX, FL XXXX XXXX  : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX *Delete XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX *Delete XXXX, XXXX, XXXX *Delete address : XXXX XXXX XXXX  XXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: BARCLAYS BANK DELAWARE
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:
This complaint stems from the credit card company failing to resolve two disputed charges on my credit card statement within the required 90 day period. Two charges showed on my card after I had returned two items ( XX/XX/XXXX and XX/XX/2019 both for {$160.00} each ). I raised a dispute in XX/XX/2019 ( letter states it was initiated on XX/XX/2019 ) by phone. A letter received XX/XX/2019 was sent by the credit card company to me asking for additional information after being contacted by the merchant ( who provided their online policy, nothing else ). I faxed a response within 10 days of receiving the letter to the credit card company detailing that the merchant did not honor its return policy and provided additional information to that effect. A resolution was then mailed to me on XX/XX/2019 stating that the credit card company could not do anything. This response was far after the 90 day period required under the FCBA.

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 2018-08-24
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 information incorrect

Complaint:
In XX/XX/2018 XXXX leased vehicle was totaled in a auto accident. My auto insurance company paid off their portion of the balance which left XXXX to be paid by GAP which is part of XXXX XXXX who the lease was financed. I was told that all would be handled from the point of reporting to the insurance company and there was nothing further I would need to do. They would contact me once GAP was paid. In XX/XX/2018 I received a credit alert that I had a " missed/Delinquent '' payment on my credit bureau reports. Upon looking into the reports it showed that XXXX XXXX was reporting me 60+ days past due on the lease. I immediately contacted XXXX XXXX and was assured that they would get this corrected as they had many customers affected by a recent change of finance companies with their GAP department. I was told that an accurate report would be sent to the credit bureaus and it would take up to 45 days for the update. Long story short, I am still fighting with them to correct my Credit Bureau report. My credit score as a result has dropped from a XXXX to XXXX and I can not obtain any further credit. In fact, I have many current creditors closing my accounts, reducing my credit limits and increasing my interest rates as a result. This has been a unresolved issue since XX/XX/2018 and it is now the end of XXXX. XXXX XXXX should be held responsible for my suffering and it is unjust that I, a good customer who has worked very hard to maintain a high credit rating to now be going through such turmoil with my credit. XXXX does not seem to be in any rush to follow through on their promises or obligations to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
card XXXX been here for 26 years. it appears someone in my home used my card this card ordered a computer. with my card. i dont know if they inputted it in XXXX XXXX or what no computer is here i believe they ordered it as if it was me and then picked it up if it ewas delviered. this is FRAUD i called it in on XXXX today now showing showing CLOSED investigation i show no new card. what is happening? i provided possible names. i did not order it. i have left messages for person i suspect i provided no details to XXXX XXXX please investigate credit and issue new card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-01
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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2020-06-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 we closed a refinance mortgage with cash out of {$87000.00}. We requested the wire proceeds be sent to our checking account with Wells Fargo Bank. We have still not received the wire and the wire has not been returned to the closing agent as rejected. Two things happened that did slow the wire process down. First the wire was flagged for XXXX but has since been cleared per the wiring bank. Second when completing the wire paperwork we left out a digit in our account number. Speaking to Wells Fargo the account number given is not a valid account number so it would not receive a wire. XXXX XXXX who disbursed the funds has called, visited Wells Fargo with all the paperwork with no valid response. Generations Escrow bank XXXX XXXX XXXX  an XXXX XXXX has tried to call Wells Fargo, sending service communication to correct the account number or request the wire returned. They have had no response and were told they could not communicate via phone with them. Our lender has called daily and gone into Wells Fargo with no assistance provided. At this point we are going on 3 weeks paying interest of {$64.00} per day without our funds. We are desperate to receive the wire returned or deposited into our account and are in need of your help.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off 's on my credit. Now tell me are all this accounts reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and all this company 's did not provide me this information. They also, never never sent me a 1099 cancellation of debt form. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.

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 2020-04-09
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an FHA mortgage and the handler is " Freedom Mortgage '', I called on XX/XX/XXXX and let them know that I have been impacted by COVID 19. I spoke with a representative that stated that I could do a DEFERMENT at NO PENALTY for three months ( XXXX, XXXX and XX/XX/2020 ), and I would resume paying on XX/XX/2020. I was told that the processing time for this request would take 2 weeks, and I called back on XX/XX/XXXX. I spoke with XXXX from Freedom Mortgage customer service ( id badge number : XXXX XXXX, and was told that the initial information that I was given was incorrect and I could ONLY do a forbearance ( My mortgage would be suspended for the 3 months then after the 3 months then a lump sum payment would be required ). XXXX then transferred my call to a manageXXXX, and the manager was going to review my call from the first person that initially talked to on XX/XX/XXXX, and that she would return my phone call within 48 hours. I have never heard anything back, and they have representatives telling mortgage lenders incorrect information during this time when millions of people are losing there jobs and need help. I know that some mortgage companies are offering a deferment at no penalty, and do not understand why FHA loan borrowers are not able to receive this assistance. 


Please look into this matter. Thanks.

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 2023-01-31
Company: Experian Information Solutions 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, EXPERIAN has violated my rights.

15 USC 1681 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 On XXXX i sent a certified letter to experian requesting them to respect my privacy. 
experian responded with they verified the accounts were mine. I did not ask experian to verify account. I asked experian to remove accounts they furnished and shared without my written or oral consent. I request experian to send me a notorized letter stating I gave experian permission to share information. Experain failed to send me documents

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 2023-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I sent a letter as a consumer to CapitalOne submitting a billing error dispute. Upon receipt of the letter on XX/XX/XXXX CapitalOne closed my account. I called CapitalOne to inquire about why my card was closed and they stated that I asked for a refund of previously made payments which is against there card agreement. I asked for them to send a copy of this card agreement and they declined stating they did not have to. I stated how can I agree to something that I have not confirmed receipt of and you wont provide for me to view. I completed a attorney general complaint as well. CapitalOne violated 12 CFR 1026.13d ( 3 ) They closed my account without investigation and it was directly related to the letter I sent for billing error resolution.I remained in honor and paid the amount on the account as it continued to incur interest.

Then later reported to the consumer reporting agencies different reasons other than that it was related to a request for billing error resolution. That constitutes fraudulent and deceptive business practices. This closure of my extension of credit greatly impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX operates a Business thru XXXX selling religious items online, I ordered over {$400.00} in religious and medicinal items and sent payment as requested thru XXXX, the items were never received and this person does not answer the phone and has blocked me from XXXX. I need help recovering some Of my money I dont know what else to do since I ha e tried contacting this scammer and he does now refund me my money.

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 2023-03-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XXXX I noticed XXXX dollars missing from my bank account with chase I saw lots of different transactions that where not made by me I submitted a claim that I detected fraud on my account I waited 3 weeks for chase to do a investigation once it was completed they told me there was nothing they could do they closed my account with my pay check that was deposited by my job of XXXX I have pictures to show everything there was also 3 checks deposited into my account they where all fraudulent checks taking money from people I have XXXX  before chase will not do anything to help and will not refund the money that was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft, there are fraudulent accounts showing on 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 2020-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted my mortgage company, Bank of America, back in XXXX advising I was having financial difficulty due to COVID-19. I was placed on a special forbearance for XXXX, XXXX, and XX/XX/2020. BOA advised via written correspondence they would contact me near the end of the forbearance to discuss options. In XX/XX/2020, I received additional correspondence advising BOA was unable to contact me and therefore they are extending my forbearance for an additional 90 days. To my knowledge, BOA never attempted to contact me. On XX/XX/2020, I contacted BOA to advise I was able to resume normal monthly payments as of XX/XX/2020, however was unable to bring the account current and requested options. BOA advised that my only options, offered by XXXX were a repayment plan or a loan modification. My understanding is that XXXX is offering a deferment option to all its customers and therefore BOA is incorrect in not offering me the deferment option.

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 2018-08-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint Description : Rushmore Loan Management XXXX XXXX XXXX XXXX, XXXX, CA XXXX NMLS ID : XXXX ( XXXX ) XXXX is withholding my {$34000.00} National Flood Insurance Program claim in escrow and will not remit the funds to me. My property, XXXX XXXX XXXX, XXXX, OH XXXX was damaged by flood on XX/XX/2018. The damage was inspected by a FEMA inspector and XXXX insurance company paid the claim. By law the funds were forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX File # XXXX. Rushmore sent an inspector to my home and he determined that I had completed 85 % of the remediation and repairs. At least 6 times requests for 85 % of the monies held in escrow has been submitted by Rushmore 's 3rd Party XXXX XXXX XXXX. Each time the request has been denied. I have submitted ALL requested documents, receipts, transcripts, letters, etc. I need the money to complete the repair of my flood damaged home. 
Your Desired Resolution : I am requesting that Rushm ore Loan Management Company remit the National Flood Insurance Claim money that they are holding so that I can repair my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not know anything about XXXX XXXX. It lists the account status as Closed, therefore I should not owe any {$750.00} and it should be taken off my credit reports. Also Mr. XXXX XXXX, A debt consolidator, consolidated and paid off my bad debt.

Company response to consumer: Closed with explanation