BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX Account # XXXX, has violated my rights.

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

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

Company 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 2019-05-30
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2018 we contacted Chase requested the balance to a company credit card so we can pay off the credit card, they provided payoff amount and we paid the full amount and account was closed. Chase one months later charged interest to the account, we have no knowledge of the interest charge an employee of the chase should be made us aware. this interest became late and we received no notification of being charged or being late, so this charge became 60 days late which is negative affects my credit report. Chase should have notified us of additional interest and should have notified of new invoicing and late, they claim they sent it via email, we did not receive any email, I requested chase to provide proof and they could not provide. Before negatively affecting credit report they should have mailed us a letter a phone call. when they solicit us for a new card they can reach us 50 different ways but they cant notify prior to affecting my credit. The other issue this card and charges belong to my employer, not me, I have disputed this issue with them on XXXXhree occasions twice though XXXX and once direct with them and their response has not helped at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: NY
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 60 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 ), it is plainly stated 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 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into in the hands of the wrong person.

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 2018-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by Capital One bank of a fraudulent application submitted with her information without her consent that left a fraudulent inquiry on her XXXX, XXXX and XXXX credit reports XX/XX/XXXX. An official dispute of this was faxed to Capital One XX/XX/XXXX however as of this date no reply or update of the investigation has been provided. This is a violation of the FCRA and my clients consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Opening this complaint in response to XXXX XXXX XXXX  not doing anything with previous complaint XXXX. XXXX response to previous complaint is that it thinks it is correct to list the date of 1st delinquency as the date a tenant presumably moved out of an apartment. This is grossly incorrect. The date of 1st delinquency should be the date the tenant was delinquent with the client XXXX is collecting for. Clearly XXXX XXXX XXXX filed an Eviction in 2017 and received a Writ Of Resitution in 2017 XXXX XX/XX/2017 ). XXXX XXXX XXXX can contact the XXXX County Courthouse and pull registry of action # XXXX to verify this information or contact XXXX XXXX XXXX. Listing an incorrect date of 1st delinquency is a clear FCRA 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 2018-12-17
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I called Diversified Consultants regarding a collection on my Credit from XXXX. I asked the representative to send proof that the debt is mine and the representative stated she could send a copy of my bill. I told the representative that that is not proof. Representative argued that a bill is proof and that i would have to pay the balance to get removed. 42 days later I received a bill in the mail with charges but no actual validation of the debt. Called again and was given the same run around. I have no knowledge of the debt and the company is refusing to provide proof or to assist with removing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Up to one week prior to closing, I was working with XXXX XXXX on my mortgage. On Tuesday, XXXX XXXX, I was notified that XXXX was no longer with Element, and I would be working with XXXX XXXX and XXXX XXXX. 
When I was introduced to XXXX by XXXX XXXX at XXXX ( our builder ), I already had a mortgage. I was enticed into switching to Element to take advantage of a builder $ XXXX credit toward closing costs, and a lender $ XXXX credit toward closing costs. 
On XXXX XXXX, I inquired with XXXX XXXX and XXXX XXXX about the HUD, as I did n't think it was correct ( email attached ). I continued to ask if everything was correct, and if we were good to close on Friday. I received an email from XXXX stating " yes ma'am, we were all set for Friday ''. At no point did XXXX or XXXX tell me that we were not getting the $ XXXX closing credit from Element. It was n't until XXXX hour past the scheduled closing time that we received a new HUD, which did not include the lender $ XXXX credit. 
Upon receipt of the incorrect HUD ( at our closing appointment ), we rang Element. Neither XXXX nor XXXX answered at first, and we were forced to sit at XXXX XXXX office waiting to hear back. I did end up hearing back from XXXX and XXXX, and they said no, you are not receiving a credit from us. 
I was extremely upset, and was told to speak with a Manager at Element, I believe his name was XXXX ( XXXX ) the number he called from is XXXX. The manager agreed to a $ XXXX credit, and in the same conversation said he had to fire the entire division that XXXX worked in- which leads me to believe that the issue is much larger than just my mortgage. 
This is mortgage scam/ fraud to lure customers in, not answer their questions, and spring changes on them when it 's too late for you to do anything about it. I was forced to continue with the closing or essentially become homeless.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Received a notice from the Town that a lien with a XXXX fee will be placed on the property XX/XX/XXXX if the property taxes where not paid. This was a surprise to me as Freedom Mortgage handles my escrow account and receives any tax bills. Freedom did pay the homeowners insurance but failed to pay not one but two property tax installments for a total of XXXX and XXXX in interest. Freedom was notified about the issue electronically and in writing XX/XX/XXXX. They where also contacted again when the issue still wasn't resolved. They said more research needed to be done and I would have an answer no later then XX/XX/XXXX. Well its XX/XX/XXXX and the taxes have not been paid and continue to accumulate interest. The total now stands at XXXX. This years tax bills are also approaching soon. Another interesting note is that I pay XXXX every month for taxes and insurance but there is only XXXX available in the escrow account. Money was also transferred over during refinance XX/XX/XXXX from the other loan. If only the insurance was paid and not the taxes then where is the rest of the money? And yes my mortgage payments are made on time every month as you can see in the attached statement.

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 2018-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 XXXX XXXX XXXX in XXXX XXXX, FL ( XXXX XXXX Airport Branch ) has failed to refund to my Bank of America account ( XXXX ) in the amount of {$230.00} after their desk agent at XXXX XXXX Airport stated that she would not charge my Bank of America credit card for the renting the same vehicle on Saturday XX/XX/XXXX. I returned the vehicle on XX/XX/XXXX.

Due to a name change on the driver my husband paid the rental via his XXXX credit card ( XXXX ). Her husband paid the extra charge which totaled {$230.00} since it was a last minute decision to include her husband as the main driver. I agreed to accept the extra charge as long as XXXX would reimburse my BofA account. The XXXX agent told me she would reimbursed the {$230.00} charges on my BofA account and would have to wait a few days for that charge to be reversed, since it was for the same vehicle. Hence, the charge on my Bank of America credit card account should have been deleted or refunded as promised. Bank America, was sent extensive documentation as well as a detailed explanation but refuses to delete or reimburse this charge when valid and reasonable proof was presented to their representative. 

I have included the required information that shows these charges are invalid and will attach them in this complaint which. 

XXXX invalid charge and BofA 's refusal appears to be a violation of EFTA, UDAAP, and FCRA regulations.

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 2020-11-13
Company: EQUIFAX, 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 ACCOUNT WAS NOT REMOVED FROM MY REPORT ALTHOUGH I HAVE A RECORDING FROM COLLECTION COMPANY THAT THE ACCOUNT NUMBER IN XXXX IS NOT AN ACCOUNT ASSOCIATED WITH ME. Disputed two credit entries on Equifax report on XX/XX/2020. First account listed as XXXX ( account # XXXX ) and second account listed as XXXX XXXX XXXX ( account # XXXX ). Requested a deletion of the duplicate account. in my dispute. From my knowledge, I only had one account. Equifax confirmed that they verified and updated the accounts on XX/XX/2020. Both accounts remained on report. After calling the creditor and recording the conversation with the representative, it was found that only one account number was in fact associated with my name ( account # XXXX ). I requested a letter from the creditor on. XX/XX/2020 and XX/XX/2020 to confirm my correct account number and owed amount to send to bureaus and the letter request was refused. I contacted Equifax on XX/XX/2020 to state they did not validate or verify the debt because that account number ( # XXXX ) has never been associated with my name or my current account with the creditor. The representative said the creditor confirms the debt and they just update in their system. How can the. creditor state that I only have 1 account under my SSN and previous address but verify with Equifax all that I have another account number? The dispute stated duplicate account needed to be removed and the Equifax rep said they confirmed the owed amount with the creditor but not the account owner or account number. How can you confirm an amount owed without FIRST confirming the owner of the account to ensure it is reflected on the correct credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
show tooltip button XXXX XXXX XXXX XXXXDispute XXXX XXXX, XXXX.Dispute XXXXDispute XXXX   XXXXDispute OFFICE OF THE ATTY GENERDispute OFFICE OF THE ATTY GENERDispute XXXX XXXXDispute all ftc violations sent and filed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
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:
Dear CFPB, This complaint is against Equifax on their incompetence with following updating accurate personal information. As of XX/XX/XXXX, I, XXXX XXXX XXXX, after months dealing with Equifax jumping through hoops I received a letter stating they had updated my date of birth to XXXX as for some fradulant info had my DOB as XXXX XXXX. That's odd because if I that was my DOB one of the fradulant accouts that were open I would have been 4 years old. 

Here it is XXXX and now my DOB is still incorrect in their system as they didn't update my DOB and they still have the fraudalent birthday on their file. They said they don't see a case # related to my name back in XX/XX/XXXX. That's strange I have a 18 page report here on my desk from Equifax stating they updated my DOB! ( Confirmation # XXXX ) I have attached that letter from their within this complaint. 

Abosolutely Insane as they are to protect us! Outdated questions on information about my past credit cards ext ext. This should be updated by Congress the amount of questions they can ask! 

I have sent emails, been on the phone with 3 supervisors, faxed them all information. In order to now track it again I went on line and upload information on their website which they sent me another case reference # ( XXXX ) with a different fax # on the cover letter which no suprise the fax # not operating!! ( Wonderful Customer Service ) I am trying to purchase a vehicle & they have placed an extended fraud alert on my account from XX/XX/XXXX and says on their file blocked for promotional purposes. Yet I have sent all my documentations and they continue to not have the info corrected in a timely manner. 

How is it that Equifax is still in business being at their mercy. I will want to be in a class action suit against them for all my troubles with this Burea. I have all my documents from XX/XX/XXXX with Equifax and the investigation stating my information had been updated. 

Now XXXX Still having the same problem with them! This particular dealership only pulls from Equifax causing me to possibly lose the rebate to buy this car. 

Your assistitance in this matter would be greatly appreciated. 
Thank you Kindly for your assistance and attention the urgency of this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX reported to all three credit bureaus that my XX/XX/XXXX payment was 30 days late. The payment was not 30 days late. My payment was due on XX/XX/XXXX. I paid off the entire account on XX/XX/XXXX. The XXXX payment was 19 days late, not 30 days late as incorrectly reported. XXXX and XXXX have already removed the incorrect information from my credit report. Transunion, however, has refused to remove the incorrect information from my credit report. The representative at TransUnion told me that the creditor can report a thirty day late payment on my credit report any time within a 30-day period. This information is also WRONG. Also, TransUnion has refused to allow me to re-dispute the incorrect 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 2019-01-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My original loan was for with Sallie Mea at XXXX college I was paying my loan XXXX College the school was discredited making my schooling useless They are on the hook not my family ... I never got a job as a XXXX XXXX XXXX which I was at the top of my class .Navient is the new creditor harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/18 i received a letter in the mail from CFSI of an attempt to collect a debt. I did not recognize this alleged debt and sent a request in writing for Validation via Certified mail on XX/XX/18. It was received by CFSI on XX/XX/18. CFSI has failed to respond to my correspondence in writing as requested. According to the Fair Credit Reporting Act, CFSI has 30 days to respond to my request for validation or they must cease reporting and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Capital One authorized my balance transfer request which took 2 months for my credit Union XXXX XXXX to cash incorrectly to unclaimed funds account as Capital one registered the incorrect information. The Routing # was entered into the Account # data field on the online application by mistake and Capital One accepted a 9 digit input as a valid Account #. No one at capital one could figure out the issue when I called after I was charged on XX/XX/XXXX. I waited 14 days after Capital One explained the length of time it takes to mail the check to my current credit union. I called around 6 different times and spoke to at least to 8 different reps as no one from customer service followed up with me on resolving the issue. A balance transfer investigation was initiated and then closed internally. XX/XX/XXXX the Capital One rep said the stop payment wasn't sure why the investigation was closed and that assumed the stop payment was successful. She told me she would call me back and leave a voice message with an update after getting with the investigator. No one called me back. It is now XX/XX/XXXX and finally I called and was told by someone new that XXXX XXXX XXXX deposited the check. After waiting 40 minutes as I asked to receive that in writing ( they can only issues LETTERS via mail ) Capital One hung up on me. I called again and immediately I was transferred to the balance transfer department but with a SUPERVISOR this time named XXXX. She was awesome but its taken me 8 reps, 6 calls, two transfers and so much stress resolving this. XXXX checked me application and asked me to confirm the associated accounts which was WRONG. My routing was used as the account number field. Why didn't the application reject a shorter digit number into the account field? Why didn't capital one offer to get onto a three way call 2 months ago with my credit union to figure this all out. Now I as the customer have to get on a call with my credit union to ask for them to check " unclaimed funds '' deposits. I had no idea what was even allowable for a credit union to deposit a check to a non existent account. On one call Credit Union rep apologized and said alot of their balance transfer requests were encountering issues and now I realize why. Terrible customer service, poorly developed applications on the web, mishandled investigations, lack of communication and little care for the customer.

Company response to consumer: Closed with explanation