BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: NV
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 non-monetary relief
Consumer complaint received 2017-10-06
Company: CITIBANK, N.A.
State: CA
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:
I have had numerous fradulent charges on my account from the past month. I addressed this with them as soon as I was aware of the charges. To date they 've only removed 3 of the charges and There remain for charges totaling almost {$200.00} 3 weeks later which have still not been remove. I called them again yesterday requesting these charges be removed. The person I spoke to help me verify that I wanted to remove those charges as being fradulent. I again stay that yes they were fradulent charges and I want them removed for a second time I made this request. Today the charges remain on my credit card and I 'm beginning to get close to bill payment date. So I 've been trying to get them to resolve this so I do n't have to make a payment to avoid problems with crediting.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: NJ
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 non-monetary relief
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: NJ
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2017-07-27
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen Loan Servicing is attempting to sell XXXX XXXX 's property at foreclosure sale despite the fact that Ocwen has not followed proper loss mitigation procedures. Ocwen has failed to send the Post Foreclosure Referral Notice required by Regulation X, 12 C.F.R. 1024.39 ( b ). Ocwen also failed to make the live contact required by Regulation X, 12 C.F.R. 1024.39 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2022 I submitted a dispute letter to both XXXX and Equifax. As of this date. XX/XX/2022 I have yet to receive a response. I have attempted to call both of these agencies but was told that the results of my request were mailed. Still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: EQUIFAX, 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:
XX/XX/2019 i disputed closed XXXX XXXX account that is currently open and paid on monthly XXXX XXXX XXXX.XXXXXXXX did conspire to report falsely that my credit account was closed damaging my credit causing public embarrassment and inability to use credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred money to may son through Capital One XXXX and the money has not been sent or received by my son for 2 weeks. I have contacted Capital One several times and they keep saying they are investigating.- No response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. NATIONAL CREDIT AUDIT CO I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had a Bank of America checkings account for 10+ years, which I had all but forgotten about. A vendor linked to auto pay on the account tried to collect funds, when my account became overdrawn. At the time, I was out of the country when the account became overdrawn. I did not receive any notice of the overdrawn status given I was out of the US, with limited internet connectivity. I also recently moved, so any mailed notices were being sent to my incorrect address. Once I discovered the mix up ( earlier today ), I immediately called customer service to request a one time waiver of overdraft fees. I spoke with XXXX XXXX, a manager, as well as others, who all said they will waive only one of the 5 separate {$35.00} fees. Given that I had not received any notices, paying 5 separate {$35.00} overdraft fees for one vendor payment seems excessive, especially since I didnt even ask them to pay the vendor in the first place. Attached further below is a screenshot of the dates and {$35.00} fees. Any help greatly appreciated!!

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 2022-08-14
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i have a chase checking account and i call to check my balance and ask why my account became inactive and also i request for assistence to get enroll in onlinebanking

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported 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 2019-07-03
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:
There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04
Company: DISCOVER BANK
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:
Discover BankInquiry fromXX/XX/XXXX-XXXX XXXX XXXX XXXX.This inquiry could stay on your report untilXX/XX/XXXX..Discover BankInquiry from XX/XX/XXXX-XXXX XXXX XXXX XXXX.This inquiry could stay on your report untilXX/XX/XXXXXXXX/XXXXInquiry fromXX/XX/XXXX-XXXX XXXX XXXXThis inquiry could stay on your report untilXX/XX/XXXX.See an error?Find out how to dispute a hard inquiryInstitution InformationXXXX/XXXXXXXX, FLXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CMG MORTGAGE, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was contacted by my insurance ( XXXX ) and was told that the premium has not been paid by my mortgage company ( CMG Financial ). 

I called my mortgage company ( CMG Financial ) customer service to find out why it wasnt paid. I was told that i was not escrowed and i had to pay that out of pocket. So i double checked my mortgage documents and everything said i was paying for escrow. So the customer service agent was incorrect. 

I call CMG Financial again and am now told i needed to send my declarations page for the insurance to be updated. So i did that and waited. 

The insurance was still not paid so i called CMG financial again. A different agent told me that my insurance company put the wrong address on the insurance and they needed to correct it. I called XXXX insurance and they said that the address was indeed correct. 

I called CMG financial again and was now told that the insurance XXXX sent was not Escrow insurance and needed to be changed. I check the documents and thats incorrect because it says " Escrow : Yes '' on the insurance documents. 

Now there is an overage on my Escrow account and they are sending me a check. I beliebe the overage is because i was paying escrow for insurance/taxes and insurance wasnt paid so its overflowed. 

My insurance is about to lapse so i pay over {$300.00} out of pocket for 3 months of service until this gets resolved. 

I call CMG financial again and am very upset. I ask for this to be escalated to a supervisor. They tell me that they will get their manager to work on it. 

A couple days pass and my insurance premium is suddently paid in the original full ammmount for the year. However i already paid over {$300.00} so the insurance balance is less than what they paid. How do i get my over {$300.00} back? 

Today i checked my mortgage account and my monthly payment went down over {$100.00} for some reason unknown. 

I need answers and customer service is no help. I do not want to be surprised by a large payment in the future because CMG Financial is not taking care of my account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: U.S. BANCORP
State: MI
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:
Someone used my identity to open an account with US Bank. The information on file with US Bank says that this account was opened and used by someone in XXXX. I have never been nor do I live in XXXX. After trying after trying to solve this problem I was told by XXXX and the credit card company will XXXX US Bank to file a report. My contact number is cell phone XXXX please feel free to contact me at anytime 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 2017-10-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On several occasions I have disputed the XXXX XXXX collection account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. Experian deleted this account in XXXX. This account has reappeared on my credit report XXXX. I disputed this account with XXXX XXXX and they have responded with the following : XXXX/XXXX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

You should receive an update from the company within the next 15 days, and a final response within 60 days. 






Company responded Status Company responded on XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX deleted the tradelines for the account in question in XXXX. XXXX reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, Experian, & XXXX  XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, XXXX will submit a second " XXXX '' XXXX XXXX XXXX XXXX XXXX to the CRAs in an attempt to expedite the removal. 

Experian has this incorrect tradeline reporting on my credit even after it was deleted in XXXX. Per the response above this tradeline is to remain deleted. Also, the credit reporting bureaus is supposed to advise the consumer prior to a deleted account reappearing in the credit file.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent two dispute letters to transunion along with my credit report with highlighted errors. They said the report was accurate and they didnt have to reinvestigate the matter. The credit report clearly shows differences across all three agencies so they all cant be correct.

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 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm overseas for a few months. I have accounts with Transunion, XXXX, and XXXX. I have questions that are not answered on their website. I am constantly advised to call them with questions and/or with fraud concerns both on their website and by no-reply email. The only phone numbers they provide are 1-800 type numbers. I have been trying for the last week beginning about XX/XX/XXXX till now to find some way to reach them with no success. I believe there is no way.

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 2019-02-01
Company: F.H. Cann & Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company making repeated harassing calls to my business ( XXXX XXXX XXXX, XXXX. ) after being told calls are to wrong person. Speakers allege they are calling on behalf of U S Department of Education. Callers demand personal identifying information and state they will continue to call until I disclose such information to them. Also spoke to Supervisor and asked that calls cease.

Company response to consumer: Closed with explanation