BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-28
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I logged into my XXXX XXXX. And its been forever. And i see there is chase bank credit card in my name saying its paid. I never had no chase. ACCOUNT no card nothing i want to put a freeze on my credit. I feel they are still using my credit line!!! Please contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: LEADER ONE FINANCIAL CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our mortgage earlier this year with LeaderOne Financial Corporation, with a loan origination date of XX/XX/2020. We received an appraisal value of {$370000.00}, and this value was used by the lender to approve the refinance transaction. The appraisal was conducted on XX/XX/2020 and cost {$510.00}. 

After making our XXXX mortgage payment, our loan-to-value ( LTV ) ratio satisfied the 80 % ratio required for PMI cancellation with an unpaid principal balance of {$300000.00} ( 79.76 % ). We requested PMI removal and received a rejection letter on XX/XX/2020 stating that in order to qualify for PMI removal, we were required to order a new valuation to verify that our property has maintained its original value. Conducting a new appraisal is not only impractical, but poses an undue financial burden and unnecessary health risk. The appraisal used to approve our refinance was ordered through LeaderOne Financial Corporation, and was used to approve our mortgage a mere 108 days before we satisfied the 80 % ratio required for PMI cancellation. We should not be required to 1 ) pay an additional {$320.00} to confirm something that held true 108 days prior, and 2 ) more importantly, to needlessly invite another stranger into our home during a global pandemic, during which time cases continue to spike in our county. 

I had a phone conversation with a customer service representative of LeaderOne on XX/XX/XXXX, at XXXX Central, and this representative agreed that, given how recently our appraisal was conducted, we should not have to conduct a new appraisal. He advised me to email XXXX with our appraisal document, and again request cancellation of PMI, which I did. Upon not hearing a response, I submitted a second request via XXXX on XX/XX/XXXX. This request was again rejected, and we were again told we were required to conduct an appraisal. 

On XX/XX/2020, I contacted our original loan officer with LeaderOne, and was told " They should cancel the mortgage insurance automatically when you get to 78 % equity in the property without paying for an appraisal. '' Based on this information and additional research, on XX/XX/2020, we made an additional one-time payment of {$4700.00} to bring our LTV ratio to 77.94 % ( remaining principal balance of {$290000.00} ). Despite being below the 78 % threshold for automatic PMI termination, I saw that we were again charged PMI on XX/XX/2020. I called LeaderOne on XX/XX/2020, at XXXX Central to inquire as to why our PMI had still not been canceled and was again told that would require a new appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had a LOC with First Citizens Bank which was originally included in a ChXXXX bankruptcy originally filed on XX/XX/XXXX. The bankruptcy was discharged in XXXX XXXX when I began paying the bank directly again. From XX/XX/XXXX until XX/XX/XXXX when my home was sold and the balance was paid in full, I was never late with my monthly payment. Currently First Citizens Bank is incorrectly reporting to XXXX a late payment in XX/XX/XXXX. XX/XX/XXXX I closed on the sale of my house and the outstanding balance of this HELOC was paid through closing. Furthermore, the status of this loan states included in bankruptcy. Its been11 years since the bankruptcy was filed and 8 years since the bankruptcy was discharged and shouldnt be referenced at all on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
Company: Financial Management Solutions, LLC
State: MD
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:
FMS Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Is in Violation of False Credit Reporting. The account # assigned to my credit report is XXXX, I'm filing a complaint with FMS, XXXX  & XXXX. XXXX & XXXX   allowed FMS to alterthe dollar amount being reported and report to XXXX  & XXXX  that a {$1.00} payment or payments have been agreed upon which is false and showing on my credit reports as if I have made an agreement to pay or have paid. i have request from FMS, XXXX  & XXXX  to provide a copy of a contract or agreement that shows my signature, along with the type of payments Received ( Credit Card, Debt, Checking or Money Order ) I have asked for Proof of these payment being made and from which banking accounts. Showing an agreement was made. FMS, XXXX  & XXXX  has Failed to provide me what evidence or accurate information supporting that claim. In addition, I have asked both XXXX  & XXXX  to Block this company from reporting false, inaccurate and misleading information on my credit file. I'm asking that FMS be remove and or deleted for Altering Account Balane, Re-Aging, False Alleged Payment Arrangment dates and False, Inaccurate Errones Reporting that is a FCRA Violations. I want 100 % accurate information reported on my credit files showing corrections, removal & deletion of this company off of my credit report. I need proof other than E-Oscar verification, which is a computer generated response. FMS has tried to place unauthozie inquires on my credit report also without my premission or knowledge without my consent which is a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I was unable to get my indentity verified by Lexis Nexis because they are reporting a old phone number for me that I no longer have. I tried to update my information directly with them and was told that I cant, but per the F C R A. I have the legal right to update incorrect information about me. How can I be told I cant update my own information about ME that is incorrect? that makes no sense. I just need my correct phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX believes that XXXX  XXXX XXXX has posted and continues to post a charged off account that has been posting late far more that XX/XX/XXXX. As you can observe from the Trans Union post attached, XXXX XXXX XXXX has cut off 8-years of payment history. I have attached a copy of the 1099C issued by XXXX  XXXX XXXX that was applied to my XXXX income taxes as a financial gain from cancellation of debt. XXXX XXXX  XXXX has in essence placed it position as XXXX, but still applies a balance of {$5400.00} on all three pertinent credit reports. The real issue is that the account was late in fiscal year XXXX and should be deleted permanently and immediately from all credit bureaus. XXXX XXXX XXXX is violating its subscriber agreement with XXXX, XXXX and Trans Union respectively. Accordingly, the account should be deleted permanently across the board with all credit reporting agencies. 
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 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
In XXXX of XXXX I filed a claim with Bank of America for unathorized charges ..I was issued a provisional credit of {$2900.00} I believe and On XX/XX/XXXX I received a letter stating that the bank had finished the investigation and the provisional credit was now permanent and the claim was closed ..State of California EDD in XXXX had disqualified me due to a unreadable State ID and froze or closed my account for possible fraud ..B of A then turned around and reversed the permanent credit debiting each unauthorized charge from my account as a State of California debit adjustment leaving my account with a neg balance totaling the claim amount and closed my account ..I appealed EDD and won my appeal and a judge XXXXissued my benefits to begin again ..EDD on XX/XX/XXXX issued XXXX dollars to my account as well as two other previous payments totaling {$630.00} brought my neg balance {$770.00} ..I have been asking for a reconsideration since XX/XX/XXXX, XXXX I was told that It was in the back office now being reviewed since 12 ) XXXX..Today though I spoke with another claims specialist and after 90 mins He is in process of filling out another reconsideration. .I asked why is it that a investigation was already completed and that I was issued a permanent credit that I am now going on 3 months and 4 request 2of them being supervisors and yet nothing still ..He is filing a complaint which is the second one for this matter and a new reconsideration ..My original claim number is XXXX and my bank card number was XXXX XXXX  was the Claim Rep whom filed a complaint for the amount of time it has taken for this reconsideration and Requested for a new reconsideration..He apologized for the inaction and for the time it has been without a resolution to this situation ..I actually just got off the phone with him XX/XX/XXXX. XXXX XXXX  ... He stated that the reason the permanent credit was reversed was due to the EDD having closed my account for possible fraud ... .I proved who I was and the bank even accepted payments to my card from EDD even though when I call it tells me that it has been closed ..Is n't a Permanent credit final? .. Provisional c edits can be reversed but how is it that they can take away a permanent credit that was given after a 60 day investigation and now have me waiting for them to investigate again all the while receiving my benefits and deducting it from the neg balance caused by the reversal of the permanent credit that had been issued.

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 2019-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I opened a line of credit while paying in the check out at XXXX XXXX XX/XX/XXXX for around $130 after providing my social security number. I thought the bill was paid as I continued to receive mailings, online orders and coupons at my current address. I discovered in XX/XX/XXXXthe bill was not paid, had additional late fees the account was sold to a debt collector. I have found out my XXXX capital one bill and credit card was being sent to a combination of my old and current addresses so I was not receiving any mail from them. Capital one will not accept responsibility for the error and is not able to wave the late fees or recall my debt from collections as it is not their account any longer and XXXX XXXX XXXX  is not willing to accept less than $XXXX to clear the debt. I still have not received any mailings from XXXX XXXX XXXX  because they are using the address provided by XXXX capital one. I do not believe this error is my fault in any way. I do acknowledge I opened the account near the amount of $XXXX but due to a clerical error on the behalf of XXXX or XXXX capital one my credit score has gone from XXXX  to XXXX over the course of a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.

My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction.

The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: BlockFi Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Blockfi is still sending me communication regarding their fraudulent bankruptcy case, and asking me to make payments to them despite all the previous attempts I have made to get them to stop. I have been extensively harassed as a result of Blockfi 's criminal actions and suffered damages FAR in excess of what they claim in the bankruptcy. I will not accept anything from Blockfi 's fraudulent and coercive bankruptcy, and I will be sueing them as part of a much larger lawsuit in the future. They are currently conspiring to committing securities fraud as the intent of the bankruptcy plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Was sold and financed a used car that was considered a total loss by insurance and I was not told or made aware so I owe less than the car would be worth but cant sell it for anything because of the total loss history

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 2022-04-27
Company: EQUIFAX, 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:
The three bureaus have for years removed this fraudulent account from my report but continuing let this company place this same collection onto my report I dont understand Im positive they can see in there notes they have removed this account numerous times it comes back and always damage my score Im asking that the three bureaus remove XXXX  XXXX from all three reports and never let them place it back! It has been proving not to be mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian credit system will NOT unfreeze my account although it says it is online. I cant get a XXXX acct because of this for months. After trying for months Experian DOES NOT have a way to get out of their support tree and talk to a representative to fix this problem. Im stuck and frustrated by this companies lack of support. How can I get 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 non-monetary relief
Consumer complaint received 2018-03-07
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I accidentally made a payment online twice via ACH though my checking account. I immediately called them to cancel the second one that still showed pending on my transaction history screen. They told they would not cancel the ACH and that I would have to issue a stop payment through my bank. Which would have caused the payment to be returned with them resulting in additional fee 's from Compass. My bank would have also charged me a stop payment fee on the ACH transaction as well. The rep I spoke with was XXXX. I finally told him to post it as a principle only transaction since they refused to cancel it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: NY
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 accuny # XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states i have rights to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Funds from sale of our home were deposited into Marcus-Goldman Sachs ( hereby Marcus ) savings account in XXXX. It was indicated to Marcus that this will be used in the future to purchase a home in XXXX - hence the account is labeled as " XXXX Marcus ''. 

A first attempt to transfer funds ( {$120000.00} ) to a 'personal account ' at XXXX XXXX XXXX , listed in my name, was made XX/XX/XXXX. This was reversed by Marcus on XX/XX/XXXX. 

A 2 hour phone call was made ( long distance from XXXX ) on XX/XX/XXXX. I was told, after having given all the security information, as well as participate on a conference call to XXXX XXXX XXXX XXXX, that it would be 1-3 business days for these funds to be transferred. To date, XX/XX/XXXX, no funds have been transferred. 

Note, I asked why it would take this time since I had already linked the accounts. The last representative I spoke with indicated it was because I had asked to have the account closed after the transfer was made. 

My 2 hour phone call consisted of dropped calls, being transferred to at least 6 different employees, whereby I was made to repeat myself. I am now having to make plans to fly back to the states to make sure these funds are transferred. I have paid earnest money on a home in XXXX, that I will lose, if I can not come up with the remaining amount within the agreed upon timeframe. 

One last note, I am currently using a cell phone that works in XXXX. In wanting to keep my account updated, I had attempted to add an alternate number, but their software does not allow for a overseas/XXXX  phone number. 

I have statement photos of transactions, etc. as well as audio, of information noted above. 

With Respect, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written multiple letters to this company asking for the account and the information on the account be validated. It is illegal for this company to continue to report information that can not be validated.

Company response to consumer: Closed with explanation