BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Jim Bottin Enterprises, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a dispute stating the debt XXXX XXXX XXXX XXXX XXXX was trying to collect was not valid. I furnished them with the email requesting cancellation of the membership and conflicting amounts that were claimed to be owed within the allotted time frame via certified mail. This company reported this debt without an investigation or any communication after my dispute was sent. They did not even report it as disputed. Which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow analysis in the mail from my mortgage company, Freedom Mortgage, dated XX/XX/XXXX. It informed me that there is an escrow shortage of {$18000.00} on the account. This is the only notification I received. This shortage is fromXX/XX/XXXX and XXXX. I bought my house in XX/XX/XXXX I was told by a representative from Freedom mortgage that the shortage is from property taxes that were underestimated but that they have already paid them and need me to reimburse them. My regular mortgage payments were {$1900.00} monthly and starting XX/XX/XXXXI will have to pay {$4100.00}. I ca n't afford to pay that amount and I feel that it is unfair to make me pay the {$18000.00} when I was not notified.

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 2022-01-22
Company: Genesis FS Card Services, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment on XX/XX/XXXX of {$300.00} that posted to my account on the XXXX. However, the credit card company will not release the funds even though its posted. 

I called and they said can't release available credit for 14 days. I asked to speak to a manager. The manager said the same thing. I was told NOBODY has the ability to release the credit. I then asked to speak to his manager. I was told manager would tell me the same thing but put me in a queue. I heard music and then suddenly it stopped and I hear dead air but the call is still connected. 40 minutes and nobody is speaking. 

I have an emergency and they have taken my money from my account but refuse to release it. Then I just got ghosted. As I'm typing this, the call is still connected but dead air. Nobody will respond. 

This is unacceptable. They have taken my money and refuse to release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I currently reside in XXXX, Ohio and have been a Chase Bank customer for years. I have always been pleased with the service I received in the past, but the " security '' protocols that have been put in place over the past year have made it impossible for me to continue that banking relationship. 

I have had problems with the new " security '' protocols on different occasions, but what happened today was the last straw. On XX/XX/2021 I went to my local Chase branch in XXXX, Ohio. I went thru the first lane in the drive thru, right at the tellers window. I made a request to withdraw cash from my account and I presented both my drivers license and my Chase debit card to the teller in addition to the signed withdrawal slip. I had not placed any sort of security watch or warning on my account. 

My withdrawal was refused at the window and I was told that I had to come into the lobby and provide my PIN number in order to make the withdrawal. I went into the lobby and I was absolutely livid. I can open a new account with a drivers license, but I can not take money from that same account, even after presenting my Chase debit card and my drivers license. This was not money from checks that were just deposited. This was money that had already been in the account for some time. Then, because I've never used my debit card for anything, I had to set up a new PIN number for the debit card because I had no idea what the PIN was. So my drivers license wasn't good enough for a withdrawal, but it was good enough to open the account AND good enough to set up a new PIN number for my debit card. Then I had to go to the interior ATM to withdrawal my money in order to make sure that the PIN worked. I had decided to close out my account by this point. When I went to withdraw the rest of the available money from my account, I once again had to provide my Chase debit card and PIN number. 

What if I didn't have a Chase debit card? Are they telling people without debit cards that they can't have their own money because they only have a drivers license? Can no one see how ridiculous this whole situation has become? I am all for security, but it has to be tethered by common sense. If I was so dedicated a thief that I stole someones drivers license and debit card, subjected myself to XXXX  XXXX, and signed the withdrawal slip, then why in the world would you let me use that same drivers license to set up a PIN number for the debit card? And why would requiring me to present that same debit card and PIN ( that I just chose ) suddenly make me any less of a thief? 

I have moved my money to a different bank, but someone needs to get this bank under control ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 



XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 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 2018-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My complaint is with Trans Union credit reporting agency. For years I have tried to get my report online. They deny me every time stating that they can not confirm my identity. I called the number listed and tell them that when I answer their questions to get my report I am answering the question correctly but the information they have about me must be wrong, consequently they think I am giving wrong answers. I have tried and failed to get them to change my personal information and fix the problem, but they refuse. They don't believe I am who I say I am. Whomever gave them the information to cause this problem must have given them the wrong information about me. These companies have too much power over our personal lives when they report information about us that is wrong. And yet I have no power over this unfair situation.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: GA
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. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 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 2022-01-22
Company: Better Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I originally locked my rate on XXXX for a XXXX Loan for XXXX XXXX  down on a condo with {$300000.00} purchase price at a rate of 2.875 % with {$110.00} in origination fees. Since I was working with a Better Real Estate Agent and qualified for Betters appraisal guarantee which states that " we will not require our customers to bring any more cash to close or pay a higher monthly payment as a result of a low appraisal '', I felt comfortable putting an escalation clause into my offer which resulted in the final purchase price of {$300000.00}. When the appraisal came back on XXXX, it was lower than the accepted purchase price, at XXXX. My Loan estimate was then altered despite the appraisal guarantee to include {$2300.00} in origination fees with no other adjustments to interest rate. I brought this to the attention of my home advisor on XX/XX/XXXX by email and phone and received a reply on XX/XX/XXXX acknowledging that I was eligible for the Appraisal guarantee and that Better would be working on reverting the increase in origination fees. When I received my next few loan estimate updates, it was still at the wrong {$2300.00} fee but I only started worrying about it as my closing date approached. Starting 3 days before the final loan approval date, I started to call to try to have this corrected. On the day of my closing, which had been delayed from the original XX/XX/30 date to XXXX due to the lack of closing disclosures, it had been adjusted down to {$450.00} but still higher than the original rate. After at least 3 more phone calls and hours on hold on the day of closing, Better called me to say that they would correct the closing disclosure and send it immediately. Despite this assurance, the new disclosures had a {$360.00} fee ( still {$250.00} more than the original ) which I signed because I had already been waiting for three hours at the title company. I would like Better Mortgage to refund me the {$250.00} based on their guarantee and to take steps to correct this dishonest practice of never correcting a " mistake '' until I had no choice but to accept it. 

The holidays meant that my home advisor and his backup were all out of office and I could never speak to anyone on my loan team or anyone else who could change the origination fee or explain the discrepancy to me. I must have placed over 10 calls to Better and never managed to speak to anyone who could effect any actual change. Despite promising to call me back on many occasions, they never did and I was mysteriously disconnected up to 4 times while on hold. Despite acknowledging repeatedly the urgency of my request, even as I was sitting at the title company for closing, no one ever returned my calls. To me, it seems that Better Mortgage only uses its front line customer service representatives to delay without empowering them to actually help the customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: TX
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:
Experian failed to comply with 15 USC 1681s-2 ( b ). Experian is civilly liable under 15 USC 1681 ( n ) ( i ) A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher.

Experian failed to conduct a reasonable procedure by their own industry standard of Metro 2. Experian failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code XXXX37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Experian failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. Experian failed to report consecutive 24 months of payment history. Failing to report accurately presents willful noncompliance. 
In conclusion, Experian has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits.

Therefore under 15 USC 1681n Experian is liable for actual damages, {$1000.00} violation and punitive damages.

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 2019-05-02
Company: Experian Information Solutions Inc.
State: IN
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:
My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. 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 2022-10-19
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
This account has been closed and charged off since XXXX. They illegally re-aged my account and have been inaccurately reporting this account. They have also refused to delete as a result of the inaccuracies. Instead, they are updating an account when it should be deleted. The open dates are wrong. They reported " payments or OK '' status in XX/XX/XXXX and XX/XX/XXXX when no payments or contact was made. The last reported dates are inconsistent and inaccurate. The high credit balance is inconsistent and inaccurate. As a result, this has re-aged the account to benefit the credit grantor for the charge-off statute of limitations. These are major violations of the FCRA and I respectfully request that this account is deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am having trouble accessing my money at US Bank. I did a XXXX transaction for a big amount which triggered their fraud protection. It locks you out of your account for 48 hours. I waited 48 hours and called multiple times during this time, but the amount of time is set automatically. During this time, I could not access my account at all online or though mobile banking. 

After my access was restored, I told customer service I would like to do the XXXX transaction again. I did it with the agent on the phone, but my access was locked again. There was no guidelines other than a vague " wait 24 hours '' but I need to send the money as soon as possible. My account is locked again without recourse.

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 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 received a copy of my credit report and saw several accounts were reporting that I didn't give consent to be reporting. I have some inquiries and a collection account that reporting that's inaccurate so I wrote to XXXX, Transunion, and XXXX on XX/XX/XXXX to investigate the accounts. Its been over 30 days and I haven't got a response from either bureau with any updates about the investigation results so I mailed out another letter XX/XX/XXXX that demanded a comply because at this point my consumer rights are being violated.

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