BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my Experian report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, Experian is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/XXXXrequesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/XXXX 

As of today, XX/XX/XXXX this error is still being reporting as it previously was on on my profile ... in error.

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 2021-11-16
Company: LoanSnap, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/, I received a letter from XXXX claiming I didn't pay my property taxes. Since the inception of my mortgage, my property taxes have been paid timely automatically from my Escrow. However, LoanSnap calculate and factor in adequate property taxes into my refinance mortgage, causing me to receive an embarrassing rebuke from the County, for which, I entrusted this responsibility to LoanSnap at inception and closing of refinancing of my mortgage. Due to LoanSnap 's error, my escrow accout was short one of the two required property tax payments to XXXX, in which unexpectedly set me back ~ {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I returned my XXXX  equipment over 3 years ago and paid all the bills associated with this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: Mr. Cooper Group Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Champion Mortgage ( XX/XX/2021 ) says my property insurance is in good standing @ XXXX dollars, yet I received a letter from Champion Mortgage that says they are going to foreclose because of my property insurance. Also, Champion Mortgage tells me to continue making monthly payments to eliminate the default balance. Champion Mortgage is accepting my monthly payments at the same time they say they are foreclosing on the default balance. This sounds like unfair double jeopardy and the foreclosure threat should be removed immediately. Yes, immediately! This sounds like a crooked scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo shut my account down and gave me a number for the fraud department to call. I called the number and they said my account was shut off due to possible fraud and to go to the bank and show my ID and they would give back access. I go to the bank and they turn me away and said I need to make an appointment or walk-in when the bank opens. I try to make an appointment but it is two weeks out and I decided to walk-in and waited 2 hours until I am able to speak with a banker. The banker then proceeds to tell me that there was some fraud with a XXXX that was sent to me and they ended up taking {$500.00} out of my account when the transaction was authorized. They did not tell me this when I had called in and did not let me know that it was urgent that I needed to go into the bank by a specific time and just took the {$500.00} out of the account. The banker says to call the fraud number and put in a claim and they would credit back my money. I proceed to call the fraud department and they say there's another {$3000.00} that they were looking into taking out of my account, this was not even mentioned to me at the bank or the times I called the fraud department. From XXXX to XXXX another {$3000.00} was about to be taken out of my account. No notice from the bank what so ever. I escalated this to management and they said I couldn't put a claim in to get my {$500.00} back. I asked them if it was typical for them to just shut off my account access and expect me to know that I had fraudulent activity in review and they were going to take money from me with no notice. He said I should have been notified on my online banking or app whiche by the way they shut down. He said that I should have known to go to the bank right away if my account access was shut down, but I was turned away and told to make an appointment 2 weeks out. They will not give me my {$500.00} back and there was no notification from them prior to them completing their fraud review. The way they went about this was unjustifiable. They can not complete a fraud review without speaking with both parties and not even contacting them to get authorization. Wells fargo took {$500.00} out of my account on XX/XX/23 from a XXXX transaction that was done on XX/XX/23. They will not give me back the {$500.00} even though it was an authorized transaction.

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 2019-12-12
Company: DISCOVER BANK
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX did indeed take a advance on my discover card i have left messages on the companies answer machine have talked to customer service at discover sent them emails i froze my account i still dont know what happened customer service i get someone different all the time i know i can have the owner arrested i get social secuity i am semi retired when will congress fix our bank what about my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, INC.
State: TX
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:
Consumer Relations, After reviewing my credit report yesterday. I noticed that a employer was added to my credit report. XXXX XXXX  should not be on my credit report and please move ASAP. Not sure why employers and inquiries are on my report I don't have enough credit to apply for anything. All inquiries in the month of XXXX needs to be deleted. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Chrysler Capital has been taking my payments and applying them to the interest on the loan and very little -- if any -- has been applied to the principal of the loan. Additionally, over my objection and repeated complain to management, they took a few of my payments -- two to be exact -- and applied them to a repossession fees, which has offset my payment and has creates an impression of late and or missed payments. This action further damages my credit score as late and or missed payments are repeatedly reported to the credit bureau by Chrysler. 
Overall, it appears to me that Chrysler Capital is making a willful and deliberate attempt to undermine my credit score by their unscrupulous practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: REGIONS FINANCIAL CORPORATION
State: TX
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:
I was involved in both the XXXX & XXXX XXXX breach of security on XXXX & XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my 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 2017-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
After an online application, I received correspondence from Bank of America stating possible approval of a business credit card for our non-profit corporation [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX if we secured it with a Bank of America Certificate of Deposit. I spoke with XXXX XXXX, a BofA small business specialist, and mailed checks to open a {$1500.00} CD with the bank. Additionally, I signed and returned [ by delivery confirmation XXXX all documents as directed in the correspondence I received from the bank. 

After not receiving the card in a reasonable amount of time, I called and attempted to speak to someone within the bank to check on the status of the promised credit card, secured by our Certificate of Deposit with Bank of America. After being placed on hold for up to 45 minutes one agent informed me that they had not received all required documents XXXX which were sent with delivery confirmation!!?? ] ; and that after we received the card it would require payment of balance in full at the end of each month. 

We feel very uncomfortable and do not desire to continue in any banking relationship with Bank of America. We feel that we were misled and given incomplete information. We feel that after depositing our monies, we 're not given the respect of attention to our concerns and return of our calls. I 've left at least three voice mails with XXXX XXXX XXXX XXXX XXXX XXXX XXXX without the courtesy of a return call all day. One female agent I spoke with today was very insensitive and condescending in her conversation with me. I 'm a XXXX years old semi-retired XXXX. I think all people deserve common respect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I received a text message alert saying that someone is attempting to XXXX  {$5000.00}. It asked me if I was the one trying to XXXX  the money and if not someone from the bank would be contacting me. ( This has happen with my credit/debit cards so it was not unusual. ) My phone rag and the caller ID said Chase bank. The agent on the other line said that the funds were sent but in order to reverse the transaction I would need to XXXX  the funds back to myself. He walked me through the process of sending the funds to myself. 

I did not fear anything at this point because I was simply sending the funds to myself and no one could get the funds except me because my email and phone number only belong to me and no one can legally use or claim them as their own. 

The Agent said someone would be calling me from the bank. When no one called I called the bank. Chase bank said that it was a scam and they are not responsible. They said to call XXXX at which time I found out that Chase is part owners of XXXX. XXXX said to talk to Chase?????? 

They completely have been giving me the run around!! 

I did some research and found the attached stories of tons of people who have had fraud committed against them for thousands of dollars in this same manner. 

A local news station Channel XXXX used its legal team to help victims recover the funds that they lost. The legal team ( attached ) found a Federal Regulation ( Regulation E ) that protects consumers from third party fraud. A directive was sent out in XXXX of this year. 

I filed a complaint with the Department of Agriculture and Consumer Services. They have also contacted Chase bank. I still have not heard from the bank about returning the money to my account. 

Everyone got their money back from the bank when channel XXXX confronted the bank. The reporter asked if the bank was familiar with REGULATION E. They said they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2019, PayPal made my remaining Account balance of {$1500.00} available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email to : XXXX which is my Paypal account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan with Ally financial. On XXXX XXXX, XXXX I started Receiving calls that but I was have to do 17 days. When I looked at my accounts I have made a payment every month on the same day at the same time. The first time I spoke to them they said that I had missed the XXXX payment and I did not the second time I talk to them they said I was behind on the XXXX payment which I did not. Final time that I talk to them they are saying that I did not make my original car payment or I did not make my payment a payment in XXXX of XXXX. The bank then does not know what payment Ive missed I feel as if they are deceptive practices to brew to put bad marks on my credit and to get extra money out of me. I also believe that my interest rate is not what I agreed to that is in my paperwork when I had signed at the dealership. Feel as if they have made an error and they are trying to make me pay for it with their deceptive practices. I believe they are in taking in the practices of credit report fraud with the statements that theyre telling me that I miss my original payment in XXXX and then the statement that they mean about me missing a payment in XXXX and just now notifying me 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 2021-03-09
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent all required documents to this company for the removal of these fraudulent accounts on my report including police reports and documentation from the police stating that these accounts where fraudulent and still have no resolution or items removed from my credit report attached to this message is police reports police verification from the police department and all supporting documents including most recent bill my identification and letters to the company

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 2022-12-25
Company: Experian Information Solutions Inc.
State: LA
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 have disputed the following accounts repeatedly and companies continue to verify the wrong information for n them. They now refuse to let me dispute them anymore. In my opinion they are not even investigating the issue because the results either stay the same or reaged because they change the 1st derogatory mark to a year or more later date. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also XXXX XXXX XXXX XXXX date of first delinquency is wrong also, and XXXX XXXX XXXX was not included in XXXX XXXX If these companies are the ones re aging these accounts I will also file a report on them, but I believe experience is not even investigating the issues.

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 2020-11-05
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am a former customer of Midland Mortgage. My home was sold in XXXX. Midland Mortgage has not refunded the escrow money. I called in XX/XX/2020. I was told that the funds would be sent. The money never came. A letter was sent around XX/XX/2020 stating that the funds would be given to the State of Michigan if I did not claim the funds. I did not receive the letter until XX/XX/2020. I called again to Midland Mortgage who said they needed twenty days to check on the funds. I gave Midland Mortgage 20 days and called again on XX/XX/2020. Midland Mortgage stated that I then had to wait twenty business days. At that point in time they have no clue where the funds are. They told me to call back Monday. I called back again on XX/XX/2020 and XX/XX/2020 and spoke with XXXX XXXX who is a customer service supervisor. He told me that the funds would be overnighted to me. He assured me that he would call me XX/XX/2020 to inform me that the funds were sent. I did not receive a call from XXXX XXXX. I called again on XX/XX/2020 to customer service. They told me that they could not locate XXXX XXXX and then hung up on me. I called again on XX/XX/2020 and informed Midland Mortgage that I had not received a phone call as promised. I spoke today, XX/XX/2020 to XXXX XXXX after following up again. XXXX XXXX informed me that they failed to overnight the check as promised. I still do not have the check at this time and Midland Mortgage has made no attempt at sending me escrow funds that are over {$900.00} dollars. No proof has been provided with regard to the check.

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 2022-08-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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