BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: Experian Information Solutions Inc.
State: CT
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:
Hello. I've been sending out disputes to all 3 bureaus XXXX, XXXX, and experian since XX/XX/XXXX which were my first letters for inaccuracies and Violations of The CFRA that are on my credit report. For 9 months all these bureaus will not budge and do what is lawfully my right to have these accounts deleted and removed from my credit report. 
It is now XX/XX/XXXX and still these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX XXXX that have been reaged and have been in Violation For months now which I have proof of. 
Also 2 accounts which are over the statute of limitations : DEP OF ED XXXX XXXX DEP OF ED XXXX XXXX that the dept of Ed is reporting and XXXX XXXX XXXX XXXX Which is in violation because it is reporting Activity in the payment history section after this account has been closed and charged off 4 years ago. 
As well as XXXX  reporting my name As XXXX XXXX XXXX which is not my name. 
My name is XXXX XXXX XXXX. I don't even know where XXXX  comes from or how it got on my report. 

They keep violating my rights by not doing a proper investigation and breaking the laws of the FCRA from what I've read by not deleting these accounts that are obviously not reporting correctly. 
Please help me to make them delete these accounts which they are lawfully bound to do because these accounts are creating so much stress In my life and I'm a XXXX woman with a number of health problems and this is not Fair to me. 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 non-monetary relief
Consumer complaint received 2021-08-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Someone used my information and I have fraudulent inquiries on my credit report. I have asked XXXX and XXXX and Equifax to remove these, and I have followed all procedures they have asked of me, and they refuse to help me. I have mailed in several times, the paperwork they asked for- and its the same lie of we didnt receive it. I have proof I did in fact send it many times!! 

These are the inquiries : 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 2021-08-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was so shocked when I logged into my cfpb account and saw it was closed just because the company responded. I con not believe this. There is no resolution. They simply told me they can not find my payments from XXXX to XXXX and you close the account with any investigation. As an XXXX year old, I was relying on you to help me. I am in the same position I was in when I first contacted you. I made several calls upon receiving their response and the agent has not returned my call. I want this case re opened so that I can get resolution since the consumer financial protection bureau as I read your website will help with these types of situations. I am still in complete shock that you closed my complaint before getting any resolution from me as the complainant.

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 2021-08-19
Company: Monterey Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/2021 I received a letter from a company I did not recognize that went by the name Monterey Financial Services, LLC. They wrote me saying I have a credit line of {$12000.00} and that payment was due. I do not recognize this account nor do I have a card with this intuition that has a limit of anything. I have sent them a letter asking them to verify this debt and they have yet to respond to me regarding this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have an 800 - 804 Credit Score and in the process of refinancing my home starting XX/XX/2020. In XX/XX/2020 my license which was set to expire in XX/XX/2020 was extended an additional 60 days per the State. Each State across the board extended licenses expiring XXXX and XXXX because of the Nationwide Shutdown of all government offices. I explained this to the finance company of Flagstar, sent them the Government link showing .gov in the website and still they refused. Their own state had 90 day extensions etc because of the same situation. 

When government office opened back up on XX/XX/2020 the first available appointment was for XXXX XXXX traveling to a different city in the same County. Flagstar bank has sat on my refinance for what will soon be going on 4 months. They gave me each run around possible as to why my refinance was taking XXXX-4 months to close blaming the title company etc but will not disclose the name of the Title Company. I provided all documents early XXXX in a single business day, pay stubs, employer information W2 's in early XXXX. 

I pleaded with Flagstar in XXXX to please complete my refinance by XX/XX/2020 as this is when my license will expire and yet they did nothing. Flagstar holds my loan currently and I thought would be easier to refinance with the same company. I have never heard of a refinance taking 4 months when there is no issue outside of them not wanting to accept my license then agreeing to take It and what seems to me them intentionally waiting for it to expire to then allow that to be the issue. I will have made 4 payments at a higher rate with PMI by now all because no one is held accountable and does not impact them directly yet impacts the consumer on the other end. 

During the course of the refinance I would ask if rates have changed and they refused to run rates until the process was near completion. Now here we are 4 payments and going on 4 months later. I have cc 'd XXXX XXXX, XXXX XXXX XXXX, my loan officer XXXX and Processor XXXX XXXX each time. 

This company is dishonest and biased on there own terms with no standing ground or explanation. I hope no one else has to go through the process I went through where things are not explained, extreme lack of communication and taking 4 months for a very easy refinance, not a complex case at all what so ever.

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 2019-09-17
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/19 I used a product partnered with my Chase bank account, called XXXX, to make 2 transfers of {$180.00} ( {$360.00} total ) for a product that turned out to be fraud. XXXX is a bank to bank transfer system and was offered by my Chase account to use. Assuming if my bank was partnered or had the system available, that it would be safe, but I was scammed through it. I contacted the person who committed the fraud first to get this made right and that was unsuccessful, so my husband and I filed a police report against the person on XX/XX/19 and moved on to hoping Chase would be able to help the monetary situation considering they were the ones that offered the XXXX option. Chase was unwilling to help, after multiple attempts, even though XXXX is something offered by them through my online account. There is no consumer protection or understanding. I'm a regular person who works hard for their money not a big corporation like Chase Bank or XXXX who benefits from my account, so {$360.00} really matters in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
About XXXX of XXXX, I signed up for a Bank of American credit card. I transferred a balance to the card and waited for a statement to arrive. The first statement never arrived, and I figured this out after the due date. When I did, I called them up and they said that I had missed my payment. I signed up for their website so I could pay online and paid that day. However, they reported a late payment to my credit report. I called and told them that they can not report a late payment since they never sent a statement. They couldn't confirm whether a statement was sent or not, but they said I could try refuting the report with the reporting agencies, that they had no other recourse for me. I did that several times with each agency and each time they stated that they found no error in the information. I'm considering a defamation suit, this is the only negative mark on my report and I have never been late on a payment in my life! This is not a late payment because they never sent a statement and it was the first month so I had no idea where to send my payment to or when it was due. Bank of America should be shut down, they are clearly committing fraud.

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 2018-02-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX AND XXXX ARE PARTNERS IN CRIME, PROOF HERE, THE ORIGINAL INSTRUMENT HAS VALUE SO WHERES THE DEBT?, WHERES THE ''BILL ''? HEY XXXX, WHY ARE YOU MAKING FALSE CLAIMS ON ME,? HI XXXX XXXX YOU CRIMINAL MISCREANT, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH XXXX THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX  XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? XXXX MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?

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 2020-05-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pay Experian to monitor my credit file. And even though I pay Experian for online access to my account and to dispute items online, Experian blocks me from disputing online a fraudulent account being reported by XXXX/XXXX XXXX XXXX. 

On XX/XX/XXXX I received a notice that my credit dropped by 100 points. It was due to XXXX/XXXX XXXX XXXX reporting of a mortgage paid late allegedly owed by me. I contacted Experian on XX/XX/XXXX, XXXX XXXX ; XX/XX/XXXX, XXXX, XXXX ; XX/XX/XXXX, XXXX, XXXX, XXXX disputing the account to XXXX and Experian and providing them both police reports they say they never received. 

Under the FCRA fraud victim rights, when a credit bureau/ credit reporting agency is notified of an account as fraud the account is supposed to be blocked by that agency/bureau during the  investigation. Upon receiving proof of the item as being fraud it is to be removed. 

I provided Experian with a police report that identified XXXX/XXXX XXXX XXXX as fraud. I also disputed it with and provided letters of dispute sent to XXXX XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. 

Experian sends me a dispute completion notice stating that I should have known this account and that they verified it as mine when I AM THE VICTIM OF FRAUD. I tried numerous times to continue my dispute via online but I WAS BLOCKED EVEN THOUGH I PAY THEM FOR THIS SERVICE. 

Under the fraud victim rights according to the FCRA, I a entitled to have this account blocked as I have identified this account as fraud and I have provided a police report indicating such. 

On XX/XX/XXXX ; I mailed another letter of dispute with a cease and desist to Experian in reporting of this fraudulent account as it is defaming and willfully harming me as a consumer. I also requested a personal statement be added to the XXXX account in my credit file specifically stating that " XXXX account is Fraud ''. 

I provided Experian with the cease and desist I also sent to XXXX/XXXX  XXXX XXXX in their reporting of this fraudulent account to Experian.

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 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 previously submitted a Police Report and a FTC report regarding Identify Theft. The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}, {$2800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I over paid my chase card in XX/XX/XXXX by mistake. I called chase a week later to ask for a refund. I was told at that time the fund would be returned to my checking account electronically.

After waiting several weeks I called Chase again to find out where my money was. I was informed at that time that electronic returns were not allowed, but no one bothered to tell me that or the brain power to just send a check. I was told at that time in XX/XX/XXXX that a check was being sent. 

I called again today and the check still isn't sent out. They assure me it will be, be we will see. 

If I don't pay them on time I get charged a late free. What happens to companies that just decide to keep our money?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Elite Mortgage Funding inc
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I am writing to complain about the services rendered by Elite Mortgage Funding - Company NMLS : XXXX. 
The process was pretty smooth until we reached the end of the loan. 
My credit score dropped because I missed a payment on 1 of my CC 's - which is now fully paid - and adversely affected my credit score. We wait a month for my score to go back up, however it did not go up enough. 

The real issue is that the Banker at Elite Mortgage Funding locked in a higher interest rate ( 3.75 % ) without my consent. This has led the mortgage refinance to fall through because, apparently, at current terms, it is not profitable for them!! EXCUSE ME! 
Why have I been working with the same company for 4 months, sharing all my personal information, delaying my mortgage and CC payments per their advise. 

The actions of this company have adversely impacted me and my ability to refinance my mortgage. Not to mention, delaying my mortgage payments per their instruction has also negatively impacted me. 

I am very dissatisfied with the level of service from Elite Funding and will NOT recommend them to anyone. This was a waste of my time, they lock in the rates without advising with clients and then disregard their approval commitment when it doesn't suit the - shame.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries tHat should be off the 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 non-monetary relief
Consumer complaint received 2021-08-19
Company: Exeter Finance Corp.
State: GA
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 never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
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 am currently a victim of identity theft, XXXX, Equifax, and XXXX continue to report fraudulent activity on my credit report. XXXX  XXXX XXXX has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.

Company response to consumer: Closed with explanation