BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: NJ
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/2022, to repair this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. I need the following accounts to 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 XXXXXXXX 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 2019-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I submitted an online application for a mortgage loan with Bank of America. XX/XX/XXXX I received a message to call the 800 number which I did call and spoke with the online loan officer, XXXX XXXX. ( I have his NMLS ID # ). We talked about the various options and requirements for the home loan. In part of the conversation I asked how is my student loan payment treated in the debt-to-income ratio? The online loan officer said that Federal Housing Authority ( fha ) requires 1.15 % of the loan balance to be included the budget. ( I have done my research prior to applying and am aware that fha requires the the greater of 1 % of the loan balance or original amortized payment amount ). And I asked why does the Bank require that additional .15 % and the online loan officer could not give an answer and said he doesnt know and said its an over layer ( something like that, he became a bit inaudible in the answer ). Also, in the process of listing the requirements the loan officer said I needed to put an additional {$350.00} in the budget ( debt-to-income ratio ) for collection accounts. He included two accounts that were not actual collections but the accounts that were closed, remaining balances that were charged off and the creditors did not notate the accounts as collections. One of the accounts is 7 years old and due to drop off of the credit files in one - two months. Two other accounts were removed from two of the credit bureaus but not of them ( because they were errors ). 
I believe these requirements are over and beyond the requirements of Federal Housing Administration ( fha ) requirements ; And, are discriminatory against 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 2020-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Greetings! 

On XX/XX/2020 I was introduced and working with XXXX XXXX from the Bank of America from the Bank of America Mortgage Branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I was offered a rate of 3.5 % 30 year fixed with 0 points. I completed my application in the Bank of America Mortgage Navigator and provided pertinent information. The rate was locked and loaded on XX/XX/2020 according to the loan officer XXXX XXXX. 

I was also assigned to a mortgage loan coordinator by the name of XXXX XXXX NMLS ID # XXXX. 

Subsequent to that my property at XXXX XXXX XXXX XXXX XXXX, CA XXXX went through an appraisal/inspection for which I was billed {$630.00} in total. 

The loan was approved through an email from XXXX XXXX. 

However- after months of wrangling and chasing both XXXX and XXXX they either never responded to my emails/texts/calls or they would give me an update that BOA was working on the price books ( whatever that meant ). 

One fine day in XXXX I noticed that my loan application entirely disappeared from the Mortgage Navigator in the BOA website/portal. 

As always tried reaching out to BOA/XXXX to no avail. 

I am attaching the text messages between XXXX and me for your perusal and action. 

This unethical action from BOA has not only cost me monetary losses but also time and effort. 
Notwithstanding the fact that I could have gone with another lender and close my refi in 30-45 days and be paying a lower monthly installment. 

I am talking to other folks to determine what legal recourse I have ; this is a first step in that direction. 

Please feel free to reach out to me for any questions. 
This unethical behavior and extremely unprofessional act from Bank of America should not go unpunished. 

Thank you for looking into this. 

Regards 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 2020-12-05
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a small dent on a secured credit card that was paid I was told by the company if I paid the balance they would remove the account from my credit reports. I have filed a few disputes already and they are not removing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am living in XXXX and have been for the past few years. for the past 4 years i have used my debit card without any problems, but beginning in XXXX my card started being declined. at first i was able to contact the bank, Huntington bank, to put a travel authorization on my card to allow it to work for a month, but now the bank says there is nothing that can be done and i cant access my money form XXXX even though have a chipped card, PIN and have contacted the bank multiple times about this issue. i just want to be able to use my card here as i have for the past 4 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for   XXXX   XXXX   XXXX   XXXX   XXXX   in    XXXX . The ref number is  XXXX . I applied for the credit card while I was in  XXXX .
I received a letter stating the IP address in which I applied from is under U.S Economic Sanctions.   XXXX   is not under any sanctions by the U.S government, thus this is an invalid argument from Chase Bank. Chase denied my application so I called in to ask for a review on my application but Chase still denied by stating they do n't do business in  XXXX . However, Chase does do business in   XXXX    based on the information on   XXXX   and Chase 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Diversified Consultants is attempting to recover a debt not owed. The collection company deleted the collection from my credit report and reinserted the collection. Once a debt is removed for just cause, it can not be re-inserted. Furthermore, the original creditor, XXXX XXXX XXXX settled with the FTC for " cramming. '' Thus, XXXX XXXX XXXX can never truly validate how much is truly owed because I was a victim of cramming. At $ XXXX month for 10 years, I would be owed {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In late XXXX of 2017 I requested a balance transfer from my Comenity Bank Visa card to pay off a high balance on another credit card I have. On XXXX XXXX, 2017 the charge posted to my Comenity Bank Visa card account however, as of today ( XXXX XXXX, 2017 ) they have never sent the money to pay off the other credit card. I have tried to resolve the problem with several phone calls to Comenity Bank but no one has been able to give a reasonable explanation of why they are charging my credit card account without actually sending the money to pay off the other credit card. I have also sent them a written dispute of the charge but have received no response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have express mailed my dispute letter, FTC report, and police report to XXXX  at XXXX XXXX  XXXX XXXX, TX XXXX since XX/XX/XXXX regarding a fraudulent account XXXX XXXX XXXX # XXXX reporting date opened XX/XX/XXXX balance {$10000.00}. I have called XXXX  and opened a dispute with a representative on XX/XX/XXXX after mailing my documents. After calling to check to status of my dispute with XXXX  each time I call XXXX  representative keep reopening new dispute which is prolonging my results on my original disputes. I am requesting a complaint to be forward over to XXXX  fraud department supervisor or higher to combine my disputes with XXXX XXXX and complete my results with my original mailed in dispute data as of XX/XX/XXXX FTC report. I have also twice uploaded supporting documentation with Report Number : XXXX Date Generated : XX/XX/XXXX. Please I have called everyday once a day to get help with this fraudulent account 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 2019-08-16
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:
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. 

ACCOUNT 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 2020-06-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I submitted a payment for my XXXX XXXX XXXX in the amount of {$13000.00}. US Bank only credited me with a payment of {$3700.00}. I contacted US Bank by phone on 2 occasions, and by e-mail on at least 3 occasions. They consistently deny that they received a check for {$13000.00}. I contacted my bank ( XXXX XXXX XXXX XXXX - XXXX ) to confirm that US Bank presented the check for payment, and that the payment has cleared. XXXX stated that US Bank presented the check 3 times for payment - the 2nd time due to stating the amount incorrectly the 1st time apparently. XXXX was unsure why they presented the check a 3rd time, but does confirm that US Bank received the payment of {$13000.00}. US Bank has had my payment for over 2 weeks, and  so far has refused to acknowledge this, and has provided no assistance during my multiple contact attempts as far as I can tell.

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 2019-08-16
Company: EQUIFAX, 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 information incorrect

Complaint:
My credit reports from XXXX, XXXX and Equifax are reporting missed payments for my XXXX Credit Card Account which is false. The two missed payments are dated on two separate occasions in 2019. These missed payments are false and need to be corrected, as they are impacted my credit worthiness. I have called XXXX and to no avail they are saying they are accurately and can not reverse. I have submitted a dispute with all three credit bureaus and are waiting for replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, 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:
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 STATE UNIVERSI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion file # date issued has showing on my credit report XXXX XXXX XXXX   XXXX Account # XXXX showing on page 5 of 13 and should not be on my credit report as stated by Item will be removed XX/XX/18

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 2019-08-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
3rd Attempt to resubmit this complaint regarding XXXX 's response to my complaint. 

CFPB # XXXX Reference # XXXX Account # XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Loan Paid Off XX/XX/XXXX In dispute, that I paid XXXX payment late and it was not received until XX/XX/XXXX. 

Please see attached XX/XX/XXXX payment & XX/XX/XXXX payment to XXXX both paid early in each of those months. 

I do not understand XXXX 's 4th paragraph of their letter to me also attached that XXXX received my payment late. XXXX also gets confused in their letter going back and forth with XXXX & XXXX when year I am rering to is XXXX, XXXX & XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed Bankruptcy onXX/XX/XXXX. However, Experian is still listing companies as debts that appeared in my Bankruptcy such as XXXX XXXX. It also listing XXXX XXXXXXXX as a closed account when in fact it was paid off by XXXX XXXX inXX/XX/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 2020-08-31
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
* Penn Credit ( XXXX, PA ) is attempting to collect a debt for State of California Storm Water Resources Board for {$1600.00}. 

* No money is owed because our facility was no longer required to file with the State of CA for an annual permit for storm water compliance. 

* A Notice of Termination '' was filed and mailed to the State of CA in XXXX, CA on XX/XX/XXXX. 

* XXXX XXXX ( of the State of CA Storm Water ) confirmed via email on XX/XX/XXXX the receipt of " Notice of Termination ''. His contact information is XXXX. And his telephone number is XXXX XXXX XXXX XXXX. 

* Penn Credit began collection attempts in XXXX XXXX XX/XX/XXXX : I contacted Penn Credit on with all the pertinent information to dismiss the debt. 

* XX/XX/XXXX : I contacted Penn Credit on with all the pertinent information to dismiss the debt. 

* Penn Credit contacted us via mail regarding the debt with a letter dated XX/XX/XXXX. 

* XX/XX/XXXX : I contacted Penn Credit via telephone, fax and email with the same information previously provided to Penn Credit on XX/XX/XXXX and XX/XX/XXXX. 

* Penn Credit is creative in changing their " Penn Credit ID reference number '' to create a new debt cycle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX   Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX.Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 



General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX  Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 



General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX/XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX/Never late. 
Status Updated XX/XX/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 2019-08-16
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:
Had disputed account with XXXX and Experian online regarding XXXX XXXX of which they did not validate debt. The account in question should have the account condition as CLOSED not Indeterminate.

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