BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My personal information, birth certificate drivers license and social security card was stolen I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} Inquiries Name Type XXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter XXXX XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX  Installment Closed XXXX Installment Closed XXXX / XXXX XXXX Closed DeptedXXXX Installment Closed XXXX XXXX  XXXX Credit card Closed Us Dept Ed Installment Closed XXXX/XXXX  XXXX Closed XXXX XXXX Credit card Closed XXXX/XXXX XXXX Closed XXXX Collection Closed Please investigate this matter immediately remove an inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Last year, I received a mailer from TD Bank that offered me a {$300.00} bonus if I opened a checking account and have {$2500.00} in direct deposits within 60 days. 

I read through all of the fine print. It starts by saying the offer " is available only to the person addressed in this mailer, '' and " Checking offer is not available to existing TD Bank checking Customers or prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months. '' The mailer was sent in my name, and the last TD Bank checking account I had was closed in XX/XX/XXXX. I opened the new account on XX/XX/XXXX, so it was more than 12 months. Everything seemed like I was eligible for the offer. 

I completed the total of the {$2500.00} in direct deposits on XX/XX/XXXX, and waited the 140 days since account opening for the bonus to post like the mailer said, but nothing came. I reached out to TD Bank a few times and was advised, " Upon review, we found that you had previous checking account ending in XXXX which received a {$300.00} promotional bonus on XX/XX/XXXX. Please note, only one promotional bonus per customer can be applied. Promotional offers can not be combined with any other offer. '' TD Bank knew it had already paid me a bonus in the past when it made me the new offer. I find it very misleading that TD Bank would now say that I am not eligible for an offer it specifically made to me, especially after I went through meeting all of the requirements before being informed of my ineligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: LA
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:
They have XXXX XXXX XXXX XXXX reporting open on different dates on each of my credit reports, more inaccuracies hurting 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 explanation
Consumer complaint received 2021-04-28
Company: JPMORGAN CHASE & CO.
State: SC
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:
I received a phone call that has been deemed fraudulent, XXXX, indicating that there has been a suspect charge made to my credit card, Chase/AMAZON card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
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: Information belongs to someone else

Complaint:
XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX XXXX actual practice does not. ... XXXX XXXX XXXX ( XXXX ) XXXX, Case No.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is regarding my escrow account. Mr. Cooper made incorrect disbursements for the XXXX  tax year and failed to return the excess amount totaling {$9400.00} ( details below ). 

There are four disbursements for the tax year XXXX : MUD taxes for the amount {$2200.00} dated XX/XX/2020 , County taxes for the amount {$5100.00} dated XX/XX/2020, Mud taxes for the amount {$470.00} dated XX/XX/2020 , County taxes for the amount {$1100.00} dated XX/XX/2020. 

The published appraisal/amount due in XXXX for County taxes and MUD taxes are {$1100.00} and {$470.00}, respectively. The disbursements made on XX/XX/2020 match these amounts owed. The other two disbursements however, in the amounts {$5100.00} and {$2200.00} ( for a total of {$7300.00} ), are not reported as received or processed by the county tax office after contacting them directly, yet remain deducted from the Escrow balance. These payments were mistakenly made on Mr. Coopers part and should be refunded to the account. 

This is my second complaint regarding the issue ( see Case Number XXXX which was closed without resolution ). Following this complaint, Mr. Cooper provided a ledger for the account which clearly showed disbursements made in the incorrect amounts IN ADDITION TO a remaining Escrow balance of {$2100.00} for 2020 totaling {$9400.00} ( the aforementioned value of {$7300.00} + {$2100.00} ) I would expect to be refunded. 

I have contacted Mr. Cooper via phone customer support 5 times regarding the issue with no replies ( I am told to allow 7-10 business days and have not received one reply ). I have contacted Mr. Cooper via online messaging customer support 3 times with no resolve. I have previously reported the issue to the CFPB which was closed pre-maturely. I have contacted a customer relations specialist for Mr. Cooper and their investigation team directly - I was told to allow 30 business days for a resolution - today marks 40 days. THIS IS UNACCEPTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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: Information belongs to someone else

Complaint:
My personal information, birth certificate drivers license and social security card was stolen I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} Inquiries Name Type XXXXXXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter XXXX XXXX XXXX Credit card Closed XXXX XXXX Credit card XXXX XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX  Installment Closed XXXX Installment Closed XXXX / XXXX XXXX Closed Deptednelnet Installment Closed XXXX XXXX XXXX Credit card Closed Us Dept Ed Installment Closed XXXX/XXXX Installment Closed XXXX XXXX Credit card Closed XXXX/XXXX Installment Closed XXXX Collection Closed Please investigate this matter immediately remove an inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My daughter had a payout from a lawsuit when she was a child. The money was placed in USAA Federal Savings Bank in a mutual fund account under a guardian conservatorship account, myself and her Father were listed as conservators. This account came with restrictions, that money can only be taken out by court order. My daughter is now XXXX years old. At XXXX all restrictions were to be lifted off of the account, by court order, and the account was be transferred in only her name. We recently tried to access the money to withdraw some for personal use and to either put the money into either a mutual fund or a CD, in only my daughters name. Even though we have provided the court order that removes the restrictions and have filled out the change of account form and requested to open another account, USAA has refused to service the account. The mutual fund is still under conservatorship with restrictions. They have not opened a mutual fund in her name only and have refused to give her access to her money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Sterling Infosystems Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently received a background check with Sterling Talent Solutions. I was not properly notified when this background came in and on my report are two incidents that are not accurate as well as incorrect information. In addition, to these issue which took place over 24 and 19 years ago. This information in the first place should have never been included in my report as it is over 7 years old. I have recently filed a dispute with this issue. But the reason for my complaint is that I should have been notified right away if there was a problem as well as this information should not have been allowed to even show on my report even if they say they verified it. I understand the need for background checks but information that is not completely accurate or some what incomplete should not be allowed to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
On XXXX XXXX, 2019, AMERICAN EXPRESS add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: United Shore Financial Services, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
COMPLAINT : UNITED WHOLESALE MORTGAGE ( UWM ) I REFINANCED MY FHA LOAN THAT I HAD WITH UWM TO ANOTHER LENDER AS A VA LOAN. 

MY SETTLEMENT COMPANY PAID OFF THE {$690000.00} THAT WAS THE PAYOFF AMOUNT DUE ON XX/XX/XXXX. 

UWM DIDNT PROCESS THE PAYOFF AND SAID I WAS SHORT ON MY PAYMENT. 

THEY CHARGED ME {$600.00} FOR XXXX PMI EVEN THOUGH I PAID MY PMI THROUGH XXXX. THEY CHARGED ME AN ADDITIONAL 7 DAYS OF INTEREST {$480.00} AND ALSO ADDTIONAL ESCROW CHARGES. TOTAL OF {$1700.00} AND COULDNT EXPALIN TO ME WHAT THE CHARGES WERE FOR. 

I CALLED THEM 6-7 TIMES AND SPOKE WITH VARIOUS ASSOCIATES AND MANAGERS AND THEY COULDNT EXPALIN WHAT HAPPENED. I WILL BE REPORTING THEM HERE AND TO THE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been disputing with the bureaus since XX/XX/2020, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/2020 I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/2020 and I still have not received any correspondence from any of the bureaus on the status of my request. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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: Was not notified of investigation status or results

Complaint:
I have been disputing with the bureaus since XX/XX/2020, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/2020 I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/2020 and I still have not received any correspondence from any of the bureaus on the status of my request. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2017-12-20
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX Rent Recovery I contacted the company and spoke with a XXXX and she was not accurate with her information. She said the information was valid and I ask her if the debt is collected will it stop reporting to my credit bureau. She informed me that they will keep reporting to the credit bureau. I proceeding to ask her if the debt is settled why is it still reporting to the bureaus. She proceeded to get nasty and unprofessional and kept asking for the debt to be collected. This my second complaint against this company the business practices are very unprofessional and information is always misconstrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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: Account information incorrect

Complaint:
XXXX XXXX keeps reporting late history payment. 

When I request proof, they sent a letter stating that they don't have any records, but they keep reporting negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a dispute to Portfolio Recovery Associates and they never sent me valid proof per the FDCPA. Also, when I disputed this account, it came back verified with the credit bureaus. But how can it come back verified when the account number on XXXX is XXXX but then XXXX and XXXX XXXX XXXX. Also, how can a collection account have a payment status of 120 days late when there is no payment history per METRO 2 standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/XXXX I filed for bankruptcy chapter XXXX which was discharged, and a chapter XXXX which was dismissed. I went to fifth third bank to reestablish my credit. They started me off with a second chance checking account and a secured master card, stating this would rebuild my credit if I paid my balances on time I would be eligible in two years apply for an unsecured credit card where my past bankruptcies would no longer be an issue along with a fair credit score. So on XX/XX/XXXX, I  applied for an unsecured credit card and was denied because of my past bankruptcies. This was a total contradiction of what I was told four years earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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: Problem with personal statement of dispute

Complaint:
I do see there have been lot of changes made to my credit report when I disputed my late payment months. They are inaccurate for each bureau. Everytime I have recieved response from Bank of America that everything is accurate. But I see my credit report changed at the times I have disputed. I have asked credit bureaus many times about the months reported late. They responded it is what lender has reported. Why my credit report keep changing and lender still responds as no changes were made.CSR refused to connect to supervisor when requested. He was rude to me and hung up on me when asked to transfer call to supervisor. Also I have never recieved any statements to my old address from months XXXX-XXXX. They have hurted my chances of getting any other loans or credit cards.

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