BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: SUN WEST MORTGAGE COMPANY, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested a broker price option because the value of homes where I live has risen significantly and I believe I have enough equity to stop paying PMI. A sunwest mortgage company representative told me XXXX was an option and took my payment information by phone to move forward with the process. I waited over a month for a reply and received a voicemail telling me that I'm not eligible because I requested a forbearance while I was furloughed from work during the Covid shut down in 2020, almost a year ago. My account has always been in good standing, the forbearance period was the only time any of my payments were not made. Those payments were made before they were due at the end of the forbearance period. I don't think I should be disqualified from a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: JPMORGAN CHASE & CO.
State: NY
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:
Account JPMCB Account # XXXX opened in XXXX. The company closed account without merit in XXXX. Then came after me for monetary of {$250.00} then over {$500.00}. I disputed with agency over three times and with Credit Bureaus. It was closed disputed even fraudulantly. The company never provided proof of amounts. I requested it to be resolved a settlement was offered. Then I knew I did not owe them because they had never provided summary report on account. XXXX XXXX XXXX Account # XXXX. Car was surrended on XX/XX/XXXX voluntarily with no payments due. The company sold vehicle in auction then requested {$7000.00} then over {$8000.00}. I was offered a settlement. The car had been sold repo and there trying to get a double pay. The vehicle has claim form for XXXX class action settlement on XXXX XXXX gasloine direct injection engine. In which I was having problems when leased that is why I retuned it behind defect. The company is trying to profit on two consumers when, vehicle was sold in XX/XX/XXXX. Then the company expected me to pay for XXXX until XX/XX/XXXX. Someone was untilizing vehicle in company they need to be responsible for usage. Also pay for punitive damages of selling a defective SUV that is now in court for defective engine failure. I am requesting that both companies because the accounts are closed be removed off credit report due to insufficient accountability of amounts being owed and fraudulant amounts being submitted as dispute on the record. When it is over three years of servicing me as a customer. Providing updated information when accounts have been closed for not providing proof of service amounts being requested. There being made up as time progesses to receive monetary that is not due for service not being received in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I got EDD debit card ( California ) from Bank of America few months ago. 
Unauthorized Cash was withdrawn from my EDD card, even I had this atm Card whole time and no one know PIN number. 

On XX/XX/2020, {$1000.00} was withdrawn ( unauthorized ) from ATM machine. Next Day morning ( XX/XX/2020 ), I called the Bank of America customer service and reported fraudulent charge on my EDD ATM card. 
On XX/XX/2020 received a letter from Bank of America that said case was already closed. The reason was subject of fraud or suspicious activity. So they are saying they are not going to reimbursement of the fraudulent charge. 

On the actual Letter from Bank of America, the responses date was XX/XX/2020. So seems like with one business, BoA claim Dept made decision for favor of themselves. Not protecting the customer. The response letter was not saying much ... 


FYI, when I first got BoA atm Card, there was a Welcome package in the envelope. It said Zero liabilities on unauthorized charges. 

So I called Bank of America, many times but soon as they pick up the phone calls from me they hang up the phone calls. Usually I had to waited for 2hours or more for each calls. 
So I could not talk to them. 

This is totally wrong business practices Bank of America are doing now. I searched online there were countless of similar to cases of mine. Many people are speculating that Bank of Americas system got hacked.

Please investigate this Bank of America EDD Card fraud cases. 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 monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX Account number : XXXX Reported XX/XX/2018 on my Experian consumer report. Consumer Reporting Agencies have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something As Defined by The IRS.

Late Payments Also the Consumer Reporting agency is reporting Late Payments on this account. Late payments are illegal. 

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer I need this transaction or experience deleted from my consumer 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 2022-06-11
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:
EQUIFAX did not conduct a proper investigation and wont tell me what source they got their information. The XXXX XXXX XXXXXXXX account ending in XXXX is attachment account. The mailed me a letter stating they will not reinvestigate. Conducting an E-Oscar investigation is not a proper investigation. I will attach the police report and the EQUIFAX letter they mailed me. In accordance with the Fair Credit Reporting act, EQUIFAX has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
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: Account status incorrect

Complaint:
I disputed inaccurate information that was showing on my report named XXXX  XXXX XXXX XXXX. A credit card that was closed and paid off. two of them XXXX and XXXX  XXXX  are both closed accounts, XXXX has a duplicate account and should be removed and they are reporting as still open with the bureaus. They keep telling me that it is accurate when i have proof that it is not and its hurting my score and i keep being denied from other credit card companys. I disputed a auto account that also is incorrect, This account is showing as a duplicate account called XXXX XXXX this account was bought by XXXX XXXX and these two accounts should be merged and not seperate in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account on XX/XX/XXXX with the offer of " Get up to {$400.00} Let 's do the math ''. {$300.00} to be rewarded after depositing {$500.00} within 60 days. The other {$100.00} I did not opt to participate in. Bonus XX/XX/XXXX, I called to inquire why I had not received my bonus as XXXX statement cycles have already passed. The agent acknowledged that I have fulfilled all the requirements of the offer and that the bonus would be deposited at the end of the month. The phone call was recorded like they mention at the beginning so there is no question. 

In the fine print of the offer it says to " take a screenshot of this page as proof ''. Therefore, I have provided further proof that I registered for this offer and fulfilled the terms as stated by the last agent phone call on XX/XX/XXXX. 

XX/XX/XXXX passed and I did not receive the bonus deposit. 

Sunday XX/XX/XXXX I made a phone call to citizens bank. They claimed I needed an " offer code '' which there was no mention of during the application. The online offer was a direct link which I used to apply. I also retained the offer screenshot as shown in the fine print for my proof which they didn't accept. Instead they opt to start an " investigation '' which would be resolved within XXXX business days. XXXX business days past and nothing. 

Citizens bank defrauded me into opening a bank account and made interest off my deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-25
Company: Freedom Mortgage Company
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: Account status incorrect

Complaint:
My wife and I are both XXXX vets. Our mortgage was sold to freedom mortgage from another company. Freedom mortgage never let us know they had our mortgage until we saw we were late on our credit report. We fixed the past due amount and have been on auto draft ever since. Approx 7 months with this company. Now they are reporting we have missed two mortgage payments all of a sudden and this has never happened. Auto draft is through XXXX XXXX  and has come out the first of every month. We have confirmed this with bank statements. Freedom mortgage has done nothing to correct their screw up after being contacted and admitting their screw up. Because of this we have not been able to get a new car loan and our credit went from XXXX to XXXX. This company should not be allowed to handle veterans mortgages and should be called the gestapo mortgage. XXXX XXXX and 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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX which is also listed with an incorrect dates XXXX XXXX XXXX XXXX XX/XX/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 2018-02-28
Company: Direct Recovery Services, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from my son today ( XX/XX/18 ), who lives in a different state and has no ties to my finances, asking why he was receiving a phone call about an {$800.00} debt I owed! XXXX XXXX XXXX uses a taped calling program that states " if you aren't _______ then please hang up. '' But most people are curious and will go on and listen anyway. This call released information that they were trying to collect a debt of {$800.00} and then proceeded to give information on how to pay it. 
This is NOT the way debt collectors should be allowed to communicate with those who owe a debt. This is wrong in every sense. I understand I owe the debt, but I do not have a job and was in a horrific accident months ago that has rendered me unemployable at the time. I do not expect ANYONE to contact people with information that can be damaging to them. This is just wrong that this company, or any company can release information about others under the notion they are doing it legally. This is embarrassing, harmful and can have devastating effects for consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Sortis Financial, Inc.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX The problem Im having, from the beginning of this loan, i have been told several different things, ok so, it was told to me on several occasions by the employee from XXXX that my daily interest was XXXX cents a day, but now that my loan as matured my account is occurring more fees and my payoff within XXXX weeks has occurred XXXX worth of fees and when i ask what was the other fees besides the daily occurrence fees they say its a computer generated fee they dont know the break down of to tell me exactly what Im been charged, can someone please email me at XXXX or called me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have now tried several times to deposit checks from a checking account which has already been saved ( though not yet used ) from another account in my Bank of America account. They said that the account is verified ( evidenced through my Pay From Account page on Mobile Banking ), and yet the remove each and every check that I have tried to deposit. These checks have already been saved. I have written express and demanding letters to Bank of America financial centers in XXXX, OH, in XXXX, FL, and in XXXX, DE. I have not yet received adequate compensation and it is now well over a month, and Bank of America is in significant arrears to me. Their customer service is frustrating me to an endless degree.

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 2018-02-28
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Opened up a loan at XXXX XXXX # XXXX in XXXX in XXXX XXXX, NV. 

File # XXXX, {$1200.00} pay day loan from XXXX XXXX Made all my payments on time, until my hard ship trifecta. 

1 ) Fell behind on my bills due to hospitalazation with a XXXX XXXX XXXX bite on my lower left leg. 

2 ) XXXX XXXX on left knee. 
XXXX XXXX on left knee, XXXX XXXX XXXX removal left knee. 
Performed by XXXX XXXX XXXX XXXX. XXXX & XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX XXXX ) XXXX XXXX XXXX XXXX Black exterior, Grey interior Vin # ending in XXXX, Purchased new in XXXX  from XXXX XXXX XXXX XXXX XXXX, Illinois Needed mechanical repair from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX Unable to afford repair bill, my vehicle was auctioned off after 30 days no payment, @ XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Leap Credit, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In XX/XX/XXXX, I received an email about Leap credit drafting my account for a payday loan. I contacted my credit union, and they informed me that be on the lookout, basically probably a company trying to get information out of me. A few days later, they drafted my account, once I was finally able to get a hold of them, I informed them that I didn't apply for a loan, the lady on the other end told me I did, so I asked her to email me the application with my signature on it, she emailed it to me, and it was a typed signature in the box, They had deposited XXXX in my account, long story short the issue was resolved. She told me that they were not a fraudulent company and apologized. I had to do a police report and put freezes on my credit report. Almost 2 years later, in XX/XX/XXXX, they drafted my account again. I contacted them again ; this time, they told me it was a computer glitch and again apologized. We had a nasty verbal exchange over the phone, and they asked me not to contact the XXXX or anyone else because the issue was resolved and they wouldn't use my information again. On XX/XX/XXXX, they drafted my account again. I called again and once again apologized and said they don't know how it happened and they would resolve the issue on their end and no need to contact anyone. I'm frustrated because I don't know how they have my banking information. I honestly never applied for the loan. When I contacted them, they also told me that they called me and left a voicemail asking me if I still need the money, and they assumed I did, which is why they deposited the money in my account back here in XX/XX/XXXX.

Company response to consumer: Closed with explanation