BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I recently had my Fifth Third bank account close in XXXX XXXX XXXX, they said it was due to suspicious activity. And when I asked for the information as such, they said they couldn't provide it to me because it was secured information. When my accounts were closed, they were at a XXXX balance. Now they are saying that I owe them {$250.00}! From where what is I want to know, and I have yet to receive an answer and now it is showing up on my banking reports as a bad account and XXXX it removed and cleared. I have reached out to them numerous times without a clear answer, and I just need this to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: Account information incorrect

Complaint:
I sent a letter to XXXX, XXXX, and Experian on XX/XX/2022 in regard to late payments being reported on XX/XX/2022 by " XXXX '' and XXXX, and XX/XX/2022 from XXXX and XXXX XXXX. Due to the Heroes ACT ( Section 110401 ) these late payments were violating my rights due to reporting late payments on my report during the pandemic time period. I advised in the letter i sent that they were violating my rights due to 15USC 1681a ( 2 ) ( A ) ( i ) in the exclusions from a consumer report section which say solely to transactions or experiences between the consumer and the person making the report. This has been a huge detriment to my life and needs to be rectified immediately.

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 2018-05-25
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Early XX/XX/XXXX I visited a XXXX XXXX and was approved for a credit card. I waited for the card to arrive, but it never did. I called to check on it using the account number given to me during my initial purchase, but the system didn't recognize the number, so I called and spoke to a customer rep. They told me my card had been cancelled because " a credit reporting agency '' -did n't tell me which- had reported I had filed a fraud report on it, which I never did. I started having problems with my credit when in XX/XX/XXXX someone took out a card using my identity in XXXX. This other card was with XXXX XXXX XXXX. I also put my XXXX   report on lock down, so the only way I can apply for credit is personally. I explained this to XXXX XXXX ( XXXX credit card bank ), and told them I hadn't filed any fraud report on this particular card. They said there was nothing I could do. Asked if I accepted responsibility for the charges on the account, I answered " of course '' and that I wanted my card. They said they would issue a new card, but ONLY for making payments. I couldn't purchase anything with it. I asked how I could sort it out, because I didn't want anything negative on my credit reports. They answered it wasn't their problem, they wee following the policy after receiving a fraud alert on the card from the credit agency. Now I receive a letter stating that they are denying MY Fraud claim, because I purchased items with the card. I need to make very and absolutely clear, I did not file any fraud claim on this card and anything related with this card be expunged from my credit reports. If any credit agency has a fraud claim against this card from my part, I demand they come forward with it. I also demand Synchrony to show the claim they used to deny a claim I NEVER MADE. I want everything related to this XXXX card erased from all credit reports!!

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 2023-11-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Equifax is accepting incomplete, inaccurate & unverifiable account information without investigating. My requests for 24 months historical data are being ignored. My credit score has suffered because of the inaccurate, unverified information. XXXX XXXX has a poor consumer rating & is clearly doing the same thing to many other consumers. They need to be stopped! Every time I present factual account information the information is used against me & changed!! I can provide verification of all payments made to challenge the inaccurate information. I NEED the requested information to challenge the inaccuracy. Please provide! Im attaching the data provided from XXXX. It clearly shows NO data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  & XX/XX/XXXX! XXXX shows a payment of {$2200.00} & XX/XX/XXXXXXXX  shows a payment of {$100.00}! 
Now, XXXX is requesting that I send them a complete, unabridged copy of my credit report! Why? But I WILL provide a copy of my FICO score from XX/XX/XXXX. FICO XXXX & after XXXX reported dropped to XXXX! I can assure you that I didnt have a XXXX FICO from not paying my bills!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


I have issued the laws and attached all needed documents to the Consumer Reporting agencies and they have resolved the issue with my identity theft that results in accounts being opened in my name. 

it is stopping from providing, for my family and it's not allowing me to properly shelter a home i want these accounts Deleted.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX I disputed the referenced accounts above XX/XX/2022 and on XX/XX/2022. The credit report of XX/XX/2022 shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from 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 non-monetary relief
Consumer complaint received 2022-09-14
Company: National Credit Adjusters, LLC
State: NV
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:
I have two accounts being reported by NCA incorrectly. I disputed the accounts with them directly as I do not recognize them as mine. Upon calling NCA for more information, they advised me these accounts were opened in XXXX. However, they are intentionally reporting the open date as the date they received the accounts in their office ( XXXX ). This is making a significant impact on my credit score. I have attempted to speak with them, as well as disputed the reporting through XXXX XXXX with no avail. I dont understand why this is allowed, so that not only does it have more of an impact on ones credit, but they are also able to report for far longer than they should be able. I want this fixed immediately. As well as docs to prove these accounts are even mine in the first place, as I have never taken out these loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never done business with Midwest recovery systems. I do not have a sign contract with Midwest recovery systems. I have a right to demand to see a signed contract between Midwest recovery system and myself plus after reading many complaints on this company and their tactics of conducting business it is safe to say that they are a scam company and I demand to see a signed contract between myself and them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CITIBANK, N.A.
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: Reporting company used your report improperly

Complaint:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report notation of the following late payments ( XXXX ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not { Department Store National Bank MACYS and Account number XXXX } I also respectfully request to be provided specific proof that theses alleged late payments were in fact late. I request to see all statements and payments transaction records from the you as the creditor that would proof that my payment was not submitted on time. It is my understanding that I must verify these items with the reporting creditor ( Department Store National Bank MACYS ) for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. 

In addition in accordance to the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Furthermore as per the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Where is my right to privacy, when your reporting to the credit bureaus about alleged late payments? 

Over and above that, by means of the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681a ( 2 ) ( B ) report containing information solely as to transactions or experiences between the consumer and the person making 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 explanation
Consumer complaint received 2023-09-22
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Note : This action is being taken against New York Community Bank ( NYCB ).

Background : I notified NYCB in writing and by phone months ago of this issue. This problem came to our attention when we were in the process of evaluating our property and making future plans. We had thought this problem was resolved, but come to find out, over 7 years later, that the XXXX XXXX records are inaccurate. 

With that stated, in XXXX a loan modification was commenced between us and XXXX certifying us back to the property and on the title again in our favor. After the foreclosure attempt and subsequent rescinding ; however, all that happened in XXXX. 

Due to the unique circumstances and many changes done in the loan modification that differ from the original it has caused issues and leaves us open to fraudulent activity due to all documents not being filed as required. 



Issue : The Loan Modification is Dated XX/XX/XXXX with notarization completed first part of XX/XX/XXXX. The XXXX XXXX recorders office, state of Arizona, does not reflect the correct documents per governmental institutions requirements for Lender compliance ; when major changes are done in a Loan Modification. 

All the documents were not filed to reflect modification accurately or to provide a clean title, which leaves us open to fraudulent activity and is not allowing us to do as we wish with our property.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: MD
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 602A. States I have the right to privacy.

15U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my handwritten 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 2022-10-21
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Exeter Finance Corp.
State: IL
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 to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
At Chase Bank, these transactions had gone through by the end of day XXXX/XXXX/XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX {$100.00} At the end of the day, my balance was {$2.00}. Here comes a check for {$180.00} XXXX/XXXX/XXXX. Chase Bank manipulated my transactions ALL the 3 items that cleared now were charged insufficient fees {$34.00} each ( {$100.00} ), clearly, the bank is stealing from me the customer. I called them and pointed out the issue but Chase representative did not adhere to my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: WA
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:
XX/XX/XXXX I was enrolled in the Network Administrator program at the XXXX XXXX XXXX XXXX and attended for about a month then our program was shut down due to COVID. 
Unfortunately, we ( all of the students ) couldnt continue our schooling as the pandemic continued to cause delays in us returning to the classroom. 
To my surprise I received a bill for $ XXXX stating I owed this money for the program I wasnt ever able to complete, due to the pandemic. 
Then, I received a credit bureau alert stating that my credit scores had dropped by XXXX points because a collection agency by the name of XXXX XXXX added a new collection for $ XXXX to my credit report. When I researched this further, I realized it was for a debt that was in no way owed by me to XXXX XXXX. 
I contacted XXXX XXXX at XXXX XXXX XXXX XXXX back in XX/XX/XXXX requesting assistance to get this resolved however I never heard back from any. I am asking that the CFPB please step in and help me as I dont owe this debt as I wasnt ever able to attend the classes I had signed up for.

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 2019-07-27
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX we built our home at XXXX XXXX XXXX , XXXX NC XXXX. The Bank required us to obtain a Flood Elevation Certificate which stated we were in Flood Zone A5 and we had to purchase flood insurance in the amount of {$390.00} paid at closing. 

In XXXX we received a letter from XXXX XXXX XXXX stating that the Flood Maps had been re-evaluated and we were no longer required to hold a Flood Policy on our property. They were not foreplaced by the Bank. I contacted my agent at the time with XXXX XXXX. Our flood policy was not renewed and expired at XXXX XXXX on XX/XX/XXXX. 

In XXXX we refinanced our 2nd mortgage and obtained two Appraisals to accommodate the 2nd mortgage. Both appraisals indicated the home was located in Flood Zone X and included a FEMA Map dated XXXX but had different Flood Map numbers while the home was actually in Flood zone AE formerly A5. 

XX/XX/XXXX, XXXX XXXX flooded our home up to the roof. The home remained under water for about a week due to the waters receding slowly. Damage to the home is in excess of {$150.00}. 

Attached is all the supporting documentation.

Company response to consumer: Closed with explanation