BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
Company: EQUIFAX, INC.
State: MO
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 filing this complaint against the following credit reporting companies. XXXX XXXX, XXXX, and Equifax. There are several accounts and credit inquiries reporting on all three credit reports that do not belong to me. This issue has been addressed on several occasions. I am requesting that these accounts be removed immediately or I will take further action against the credit reporting companies. The accounts and credit inquiries listed below are to be removed upon retrieval of this complaint. 

TXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Open Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1300.00} Terms : 1 Month High Balance : {$1300.00} Limit : Past Due : {$1300.00} Payment Status : Seriously past due date XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$290.00} Terms : 1 Month High Balance : Limit : Past Due : {$290.00} Payment Status : Seriously past due date Comments : Account in dispute-reported by subscriber XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5600.00} Terms : 42 Months High Balance : Limit : Past Due : {$5600.00} Payment Status : Repossession XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$180.00} Terms : 6 Months High Balance : Limit : Past Due : {$250.00} Payment Status : Charge-off XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5900.00} Terms : 29 Months High Balance : {$10000.00} Limit : Past Due : {$5900.00} Payment Status : Charge-off Comments : Account in dispute-reported by subscriber These accounts were not opened by me and are fraudulent. These accounts need to be removed immediately. 

Fraudulent Credit Inquiries : XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX Auto Reseller XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX personal XX/XX/XXXX XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Auto Financing Companies XXXX/XXXX/XXXX XXXX  XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For 6 weeks I have been trying to receive funds provided by the insurance company to repair my home from damage incurred by Hurricane Florence. Per US Bank 's protocol for fund release, I requested an inspection. The first inspector did not show at the scheduled time but, instead, broke into my home the following day and submitted an inspection of less than 50 % complete. Outraged at the break-in, I ordered another inspection only to have another inspector break into my home 3 hours prior to our scheduled inspection and submit an inspection of less than 50 %. Extremely outraged, I request a different inspection company be provided. The new inspection company arrived on time and determined the home to be 50 % completed. US Bank is now saying that they will not honor the third inspection and will not release the funding associated with 50 % completion. To date I have received around 40k of the insurance money to fix my home. I have been forced to pay another XXXX of my personal funds to keep the contractor working on my home while US Bank refuses to release any of the remaining XXXX of the insurance money despite receiving the documentation required of 50 % completion.

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 2018-03-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase is our bank, and we have filed several requests/complaints that XXXX has been charging our account without authorization for over a year. Each time we have requested that they refund the charged amount, refund any related overdraft fees, and not allow XXXX XXXX to charge our account. We just filed another complaint today, but we do not expect chase ( despite proof from XXXX via an email response that they do not have an account for us ) to help us any longer. They are making it way too complicated to receive help or assistance. We have provided proof. they have asked us in the past to try reaching out to XXXX  again. They will not accept our call about the charges because they can not find our account despite us providing ALL of our personal information, cards charged, bank info. We tried to log in online - same problem - no access because we dont hav an account with them. Finally they responded in writing via email - with a stupid response that " maybe we didnt provide them with the right information to find the account ''. We have provided them ALLLLLL of our information and they can't find it. We are also filing a complaint with the XXXX  DA 's consumer office against CHASE and XXXX who we can only assume are now in on this together in some screwed up way. We are hoping you can help us force Chase to immediately refund our money going back at least 7 months ( more than their standard refund period - due to their inaction - at the very least once they received the complaint and our request to stop allowing them to charge us, they should have stopped it ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Bank of America /Merrill Lynch has received a court order from the probate family court, XXXX XXXX , Massachusetts in my divorce case number ( XXXX ) to transfer, the Amount of {$39000.00}, which was awarded by the court order ( XXXX ) to my account from my ex-wife XXXX XXXX XXXX 401 K account, into my IRA 401K account. 
That money ( XXXX XXXX XXXX XXXX ) is held in Merrill Lynch, Merrill Lynch who, claim that they have received that XXXX court order on XX/XX/2021, Merrill Lynch claim that they have sent that XXXX order to a plan administrator called XXXX XXXX. 
I have called Merrill Lynch so many times, my last call to them was on XX/XX/2021, they are not cooperative and they do not provide me with any exact date to have my awarded judgement to be transferred into my IRA 401K account, they just keep saying it takes 30 days, but the 30 days have passed already ( that judgment was entered on XX/XX/2021 ) On XX/XX/2021 at XXXX XXXX XXXXone of Bank of America / Merrill Lynch 's representative has hanged up on me during a phone call, without any reason or fault on my side. Bank of America XXXX Merrill Lynch have been delaying the execution of the court order ( XXXX ) without any reason, I know of. 
Bank of America had also received a joint motion which was signed by the Judge and also, signed by all parties on my divorce case asking the judge to sign the XXXX  Order. the joint motion should eliminate the 30 days Bank of America claims.

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 2022-07-05
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX This company shows up on my XXXX HARD INQUIRIES report. On the data of XX/XX/XXXX. 

I have call and spoke with Representatives on XX/XX/XXXX as well as supervisor for this company I explain to them that I have not applied for any of their credit services and that this is a fraudulent act on my credit report. I have asked them to have it removed, they told me that it is impossible because their do not have any records of my file on there system. And that contacting you guys was my only option of having this fraudulent act removed off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Although I have been contacted in a repetitive manner by phone regarding this debt on the dates and times listed XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST XX/XX/2019 at XXXX EST My written request for debt validation has gone unanswered by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for Santander to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
WRONGFUL FORECLOSURE # XXXX they changed the number from # XXXX ( Which I believe was changed for non tracking purposes ) WELLS FARGO HAS BEEN UNDER SCRUNITY FOR SOME TIME NOW AND IT APPEARS THAT NO ONE IS LISTENING TO THE CONSUMERS. 

WELLS FARGO 'S LASTEST ADMITTANCE TO A GLITCH IN THE SOFTWARE ON THEIR COMPUTERS IS THE REASON THOUSANDS INCLUDING MY FAMILY HAVE LOST THEIR HOMES. 

I HAD OVER {$200000.00} WORTH OF EQUITY AND OWED $ XXXX LEFT ON PAYING A LOAN FOR APPROXIMATELY 20 YEARS. 

I SENT IN COMPLAINTS ABOUT THE PROCESS MULTIPLE TIMES AND NOW THEY ADMIT TO WHAT IM SURE THOUSANDS OR MILLIONS HAVE COMPLAINED ABOUT I WANT MY HOUSE BACK OR COMPENSATED FOR THE EQUITY LOST BY THIS MORTGAGE DEBACLE.

Below is another complaint attached.

Subject : Wrongful Foreclosure ( Loan apart of the ones with the Glitch ) that didnt get modified and eligible This is a request to review the process of how Wells Fargo Home Loans has intentionally request the same documents and placed the account on some type of restriction allowing the representatives working start the process over and over again at or

about 60-90 days.
My Loan was a block Urban Renewal program which should have had some type of protection attached. The town we purchased in was considered an urban renewal block not section but they designated a few blocks in the town to promote home ownership to rebuild the area. Which is now very much built up.

Our house had over {$200000.00} work of equity and the loan should have been modified per the Governments ruling in 2008 but was in the bulk of loans just reported that there was a Glitch in the system and none of the eligible loans were modified but steam-rolled straight to foreclosure.

Please respond with opening up a thorough investigation into our unfortunate situation. 

Thanking you in advance for you immediate attention to this XXXX XXXX. 


XXXX XXXX XXXX or 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 2018-03-15
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
i have tried to get peoples united bank to stop this electronic check cashing i needed a check for proof and they told me they did not have proof cause it went thru electronic i told them i write checks to cash so i have proof of that transaction they kind of said oh well is this right what can i do to stop electronic check cashing or is it made so we can not get copys of cashed checks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: AMERICAN EXPRESS COMPANY
State: NY
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 a small business credit card for my company. I have a XXXX credit score and was told I had poor credit. What is the problem with American Express and many US CCs is their XXXX practices. They credit system is setup to make people of XXXX jump over high hoops to prove their credit worthiness. I have had a platinum card with American express for 3 years and have never been late and paid down my credit over 50 % but never not once have they increased my credit. They make up excuse after excuse. I have asked them credit increases and they continue to deny me. First I have underutilized credit, then not enough credit then using too much credit. Regardless of the effort my last name tells them that I am XXXX and they use that against me. Even during COVID19 I asked them to work with me when my company experienced challenges. They refused and later only halted interest while forcing me to make my monthly payment. When I spoke to the American Express agent she said I had poor credit. When in reality I have had stellar credit. The CFPB needs to hold the XXXX practices of these white endowed process to account. I make over XXXX but still cant get American Express to raise my credit profile. That is XXXX and they should be held account for practicing systemic racism against their card holders!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed : Reported Account Number : XXXX {$75.00} Creditor/Collection Agent ALCHRO INC. who are the parent company of XXXX XXXX XXXX XXXX XXXX.The mail to XXXX XXXX XXXX XXXX XXXX was sent certified delivery and has been returned on each occassion by USPS as UNDERLIVERABLE. 

Chain of Events : On XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. XX/XX/2018 I contacted the company XXXX XXXX XXXX XXXX XXXX who is named as the reporting company on my credit files in writing at the postal address stated as their mailing address from my credit report by letter delivered by certified mail ( see attached ) requesting full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation included competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that proves I am obligated to pay was never made available to me. I made it clear in my letter that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. It is ridiculous that is is now over 250 days since my request for validation ( see attached certified mail verified as delivered ) and I have not received a reply. This is over the 30 days time frame and this collection company is out of compliance. Under advise, I wish to informed XXXX XXXX XXXX XXXX XXXX   that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CapitalOne has assessed fees and fines on my credit card account that are in error. I have on a number of occasions spoken with numerous representatives in the Disputes Department regarding this issue, as well as providing evidence to the Bank that it is responsible for the error that has led to the present state of affairs, and requested that the Bank correct the situation, all to no avail. This situation began when I attempted to place into dispute a {$49.00} charge made by the merchant XXXX on XX/XX/XXXX. I subsequently paid the renainder of the statement balance in full. However, the Bank made an error when it placed another charge from another date in dispute ( please see attached document- {$100.00} charged on XX/XX/XXXX ). It thus appeared to the Bank that I did not pay my credit card statement in full, thus initiating subsequent late fees and interest charges. The Bank has refused to take any corrective action. I thus seek the assistance of the CFPB in getting CapitalOne to take responsibility for its ' error and to waive all outstanding fees on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: EQUIFAX, INC.
State: VA
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:
Here is what I submitted to XXXX : XXXX mortgage # XXXX shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. Never was a late payment shown. When you move to XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and I have the HUD contract to show this. However, the loan in question shows delinquent in XXXX. If that were the case why don't both loans show as delinquent? How is it possible to be delinquent on a closed loan that shows satisfied with never a payment missed. If this document provides me the means I will upload the HUD statement. I have disputed it repeatedly with the credit agencies, and I have only heard back from XXXX so far. They agree that the delinquency should not be on my credit, but they will do nothing to remove it. I need it to be removed from both XXXX and all three credit reporting agencies : Equifax, XXXX, and XXXX. I tried to get this information updated months ago, but instead of fixing the problem XXXX then hit my wife 's credit report for the exact same thing. They weren't reporting it on her credit before even though we were both on the loan. Now it is hitting both of our credit reports when it should not. I suspect that when we closed the loan on XX/XX/XXXX that the person closed one loan and left the other loan as opened. 


Here was the response from XXXX : We have reviewed your concerns about the negative information on your credit report regarding this loan. Our records show that on XX/XX/XXXX, we submitted an update to the credit bureaus to which we report ( Equifax, XXXX and XXXX ) to remove the negative information for the XX/XX/XXXX reporting. We have pulled information from the credit bureaus and confirmed the update did occur and the reporting is accurate for both parties on the loan. Please be advised that if the credit report is not from Equifax, XXXX or XXXX, the credit update would not have occurred as we do not report to third party credit agencies. 


Here is the reality, if XXXX submitted this then they submitted the wrong thing or all three credit agencies are reporting incorrect data on my credit and NOW ON MY WIFE 'S CREDIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a six year old account that was charged off by XXXX XXXX XXXX and once a year the credit card company reports a current late payment on an account that was closed and charged off over 5 years ago.

This action caused a 35 point drop in my credit score and my inability to get a XXXX  citi card to buy XXXX XXXX. I am also unable to refi my house and the rates have gone up twice costing me many of thousands of dollars over the term of the loan.

This is retaliatory and unfair. It is also very intentional designed to damage 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