BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For approximately a {$500000.00} loan, which had both statutory and loan provision arrangements for restructuring, the bank reported unnecessary and harmful reports that it did not have to make to damage credit. It then reclassified borrower into a customer tier that prevents refinancing of the loan, that other customers can do. It then failed to update credit reports that all obligations of customer were in conformity with loan provisions or statutory provisions and instead reported and continued to report delinquent. The loan was also fully cured. The report and treatment and exclusion from products the bank has in place now for other customers with similar properties continues to be denied and extract some {$2000.00} per month in punitive improper interest. This rate penalty and product exclusion have been ongoing for at least two years and continues without redress. The report limits alternatives to this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I made a promise to pay with a representative that he was requiring me a down payment to start paying. I told him I couldnt do that and would call to make the agreed upon payment the next week. He strong armed me and told me the option may not be available then. I was called 3 times in less than 1 hour apart from each other. The company stated it was okay to do and not a violation because they were trying to reach me. I said I just wanted to make the payment one time and would call in the following months to come. I was talked over and interrupted several times while I was just simply wanting to make one payment. I was blindly transferred to 2 different reps and ended up with a manager all of which strong armed me to give them my banking information and demanded I set up payments or else the account could have further collection activity and threatened me with pre litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 50 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will like for litigation due to the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. The credit bureaus have not been processing my disputes and it's been several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. The credit bureaus have not been processing my disputes and it's been several months.

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 2021-02-23
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
After waitng on my much needed unemployment money i called way2go card and informed them i wanted a change of address and a new card since i moved last year. We went through all steps she confirmed my new address and my card was on its way to me with my money on it.But thats not what happend the agent poorly didnt save my new address and sent it to wrong address where someone was able to use my card and take my money leaving me more stressed and behind bills..I became aware only because i paid XXXX for expedite shipping which was 2 days when a week went by i was concerned and called way2go finding out someone used the card and that they sent it to wrong address.i followed all protocol with paperwork even after calling day by day being on hold for hrs to be disrespected by agents and them not helping me in anyway.Evenn after admitting it was there fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had some fraudulent activity on my report and everything has been resolved. I contacted Equifax on XX/XX/XXXX to remove the fraud alert. They haven't complied to this day. 

I requested again on XX/XX/XXXX to remove the fraud alert, yet they refuse to do so. 

On XX/XX/XXXX I again requested that they remove the fraud alert. They have still not complied. 

I sent a XXXX request to them on XX/XX/XXXX to remove the fraud alert, yet they have failed to do so. 

On XX/XX/XXXX, I sent my 5th request asking them to please remove the fraud alert from my credit report and the refuse to do so. 

On XX/XX/XXXX, I sent a 6th request. Can you guess what happened? If you said that they have refused to remove it you would be correct. 

I don't know what needs to happen and why they have refused to remove the fraud alert from my credit report. What is even worse is that they are allowing inquiries to be placed on my credit report, yet, they are not providing one so how does this work?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: STATE FARM BANK, FSB
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
As of XX/XX/XXXX State Farm Bank is continuing to report an expired charge off from XX/XX/XXXX all 3 crefit bureaus that is according to Texas Civil Practices and Remedies is expired. State Farm is now complicit and continues to further the fraud due to now having knowledge of the fraud and failing to immediately remove the injurious action. I contacted State Farm today and was unsuccessful in getting the fraud corrected. The representative suggested that I do whatever I have to do to resolve this issue. I'm about to suffer a denial of a Jumbo Mortgage Application due to this fraud and subsequent failure to immediately remove the derogatory entries from my all 3 credit bureaus. My complaint stands on : Texas Civil Practices and Remedies and Finance Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX MasterCard allowed some unauthorized charges on the account and after repeated attempts to resolve them, in the meantime they started charging my bank account WITHOUT my authorization. Out of frustration I paid off the account despite having unauthorized charges. To add insult to injury, XXXX then decided to charge me a return charge fee plus interest for the UNAUTHORIZED charge to my bank account. 

AND now they are charges late fees for unauthorized charges and unauthorized fees to my bank account FRAUD ON TOP OF FRAUD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-02-04
Company: Experian Information Solutions Inc.
State: TN
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  ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on my credit report for XXXX, 2020. These multiple inquiries in XXXX, 2020 are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. The XXXX, 2020 inquiries were run WITHOUT my permission. I NEVER gave permission for any of these inquiries to take place for XXXX, 2020. ( Please see pages attached from my credit report. ) These items need to be removed as well. This false reporting of multiple inquiries is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My personal credit card & 4 business cards were closed unexpectedly, w/o any prior notice.

I called and asked for someone to explain what was going on.

After weeks of waiting & no access to my cards online to pay my bills a manager called me to explain that Ill be getting a letter that will say unusual authorized user activity she the. Explained that they couldnt verify the identity of my authorized user & as a result my business cards were closed also. 

Recently, one of my authorized users got a letter in the mail stating that Bank of America is adding a name to their credit report which is completely misspelled. Its important to note that this particular user is my fianc. Thats when i put the pieces together. 

Since Bank of America was the first company i had a credit card with, its both upsetting & disappointing That they would. Make a mistake like this with out considering my history with them or properly investigating the authorized users correct identity. 

Im in the middle of recouping after months of delays due to COVID, we were in the process of renovations 4 homes when my credit cards were closed forcing me to use personal lines of credit & other banks to fund my renovations. Not to mention the thousands of dollars in reward points i earned that they confiscated as a result of their mistake. 

Id love the CFPBs help in holding them accountable and assist in re opening my accounts.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$3400.00} ; XXXX XXXX XXXX XXXX {$5400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: AR
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 trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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 you are reporting illegally inaccurate information on my credit report { XXXX XXXX } documents enclosed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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: Their investigation did not fix an error on your report

Complaint:
The reason of this complaint is that my credit is being extremely affected. I am very surprised and concerned by your actions. I need you to take this matter seriously, and send me a response. The emotional stress that I am being through because of this issue, has taken me to get psychological attention. 

If after reading my letter, you decide not to REMOVE THE FOLLOWING ITEM FRO MY CREDIT REPORT, I will not hesitate one second on filing an arbitration process against your company. 

Account information : XXXX XXXX, opened date : XXXX XXXX, XXXX, closed date : XX/XX/XXXX, highest balance : {$25000.00}. 

The company has agreed to delete and is out of business. I want my financial freedom back and it is my right to have your assistance. TransUnion is the only credit bureau agency reporting this item. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Sapphire Checking and U-Invest Brokerage account with Chase a few weeks ago. I was able to open the checking account online successfully and transferred {$75000.00} to it. A few days after, I opened a U-Invest Brokerage account online. However, Chase locked me out of my account after doing this. They withdrew all {$75000.00} from my checking account and held it for review for over 2 weeks. They had me come into a local branch to verify my addresses via a debit card and my license. Even 3 days after verifying my address, they have still said my account is under review. I have no idea where my {$75000.00} is, and at this point it's been held by Chase for over 2 weeks. They have also given me NO explanation for why they are holding it, with no written notices mailed or emailed to me. Even after spending over 3 hours of work time on the phone, they have not provided any details. 

XX/XX/XXXX - Opened Chase Sapphire Checking account XX/XX/XXXX - Initiated transfer of around {$20000.00} from XXXX to Chase Checking XX/XX/XXXX - Initiated transfer of around {$55000.00} from XXXX to Chase Checking XX/XX/XXXX - Tried to open Chase U-Invest Account XX/XX/XXXX - U-Invest opening denied XX/XX/XXXX - Locked out of my Chase Checking account. Was emailed that a notice was posted on my Chase account online. But I can not access the account ... 
Around XX/XX/XXXX - Called Chase. Verified SSN. Was told my account was being closed, my relationship with chase terminated, and given no explanation. Was told to go into a local branch to verify my address. Wasted an hour. 
XX/XX/XXXX - Went to branch. Banker verified my address but could not explain why my account was closed. Wasted over an hour. 
XX/XX/XXXX - Called Chase again and verified SSN again. Spoke with 4 different departments. Told that my {$75000.00} was still being held and has not yet been processed for release. Still no explanation. I threatened to file a complaint with the CFPB for this behavior. 
XX/XX/XXXX - Filed this complaint. Checked my chase account online for any letters, but saw none. Checked my mailbox for letters, but saw none. No explanation provided by Chase for holding {$75000.00} for over 2 weeks at this point. They have me a case number to follow, but it's unclear what this is for ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

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 2019-11-16
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TD Bank received our XX/XX/2019 mortgage payment of {$2700.00} on XX/XX/XXXX. However, it did not credit it against our mortgage because the escrow amount had been increased. Considering it a partial payment, TD Bank did not credit any of it to our account. 
The notice of escrow increase was sent to an old address, so we missed it. 
We did not know of the bank 's failure to credit the payment until XXXX, when a credit change notification arrive in my wife 's email box. Her credit score dropped by 60 points because of a delinquent mortgage payment.

We called TD bank, and were told that they don't accept partial payments. I tried to explain that the bank had received its full mortgage principal and interest payment, which had not changed, but was short on the escrow, an account paid in advance by the way. The call center operator suggested I write the bank. I did. The bank took four paragraphs to say it had done nothing wrong. I beg to differ. As I said, the mortgage principal and interest amount did not change. And it was paid on time. A late, advanced escrow payment should not qualify for reporting a consumer late to a credit agency. This is outrageous behavior. And, TD had the nerve to charge us a {$67.00} late feel.

Company response to consumer: Closed with explanation