BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 - 180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a copy of my consumer report from XXXX XXXX XXXX and noticed that Bank of America was reporting information about past accounts I had with them without informing me. Pursuant to 15 USC 6802, a financial institution can not disclose nonpublic personal information to a non affiliated third party, which is who XXXX XXXX XX/XX/XXXX, unless they clearly and conspicuously disclose to the consumer either electronically or in writing that such information may be disclosed to such third party. More so, the consumer must also be given the opportunity before that information is disclosed to direct that such information not be disclosed to such third party. At no point during my relationship with Bank of America did they ever disclose to me, in writing or electronically, that they could possibly submit my information to XXXX XXXXXX/XX/XXXX. More so when my relationship ended with them, they never gave me the opportunity to tell them not to submit my information to any third parties as is my right according the Fair Credit Reporting Act, If they would have notified me and given me that opportunity, I would told them not to report my information to this third party company or any other third party.

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 2018-08-13
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I would like to submit a complaint against the XXXX XXXX XXXX  XXXX dba Shellpoint Mortgage Servicing regarding their insincerity in communication with a customer and the delayed internal process which caused an actual loss of customers money. 

In late XXXX ( around XX/XX/XXXX ), I have sent a request via the companys website ( XXXX XXXX XXXX XXXX XXXX ) to figure out my loan closing ( payoff ) process. As I was preparing on the sales of my coop apartment and I knew my mortgage with XXXX XXXX has been transferred to XXXX XXXX XXXX recently ( XXXX ), I have reached out to them in advance and wanted to check the status of my original loan documents transfer in order to set the closing date. Like other coops, my coop also requires bringing two original documents ( Original Stock Certificate and Proprietary Lease ) which the mortgage bank currently holds at the closing. 
Even though the company says they will reply back within two business days, I never received an email or a phone call from them. I sent few more requests later and also emailed to XXXX but never received their response. When I reached out to them via phone call, I was able to talk with their representatives but they kept saying that they do not have any update on my documents I gave them my contact info so that I can talk with their supervisor ( XXXX XXXX ) but she also never called me or emailed me back. 
So its been one and half month since I contacted them and until now I have no update on my original documents so I am not able to set the closing date of my coop apartment sales. I was supposed to close on XX/XX/XXXX but it has been delayed till now only because of their delayed process. Every day, I am losing my money about {$76.00} for the mortgage and the maintenance fees. And also, my purchaser has to extend his 1-year lease agreement if we fail to close within this month. 

My mortgage loan has been transferred to XXXX XXXX XXXX on XXXX and 67 days ( 45 business days ) have passed since then. If XXXX XXXX XXXX can not find my original documents by today, they have to admit a loss of the documents. And they have to pay {$400.00} to obtain new original copies from the coop management. I am already losing {$1800.00} due to the companys delayed process so the companys immediate action is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/20 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/20 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect.This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Here are the items that you continue to report illegally. 

XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

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 2020-02-05
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were in the process of paying off our mortgage with Quicken Loans. We looked on the website to attempt ordering a payoff quote or identifying the wire instructions, but they don't make them available to the customer. Now I understand why, we called and as soon as that payoff was ordered, we were assessed a {$25.00} fee for ordering a payoff, not to fax it or email or send it overnight ... Quicken charges all their customers {$25.00} for just ordering a payoff statement. Their practices seem very deceptive and unfair to the customers, as they don't provide info on their website, but force their customers to call in and charge the fee. 

We have attempted to resolve the issue with Quicken, but they are refusing to refund us this unreasonable fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: BTH Management
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In a recent review of my credit report, XXXX, I noticed the addition of a company called XXXX   XXXX. I received no form of communication such as a phone call, a letter, or the like. In my attempt to contact the company, the unnamed representative, XXXX stated to me : 'We purchased the debt from XXXX XXXX in your name and social and they state you owe a balance of {$1100.00}. ' I quickly asked where was the communication to substantiate said debt? She alleged that a letter was sent to the address that XXXX provided to them and by law that is all that ( we ) are required to do. She further stated that she had been a debt collector for more than ( 20 ) years and she knew the laws. If in fact a letter was sent, it would have been returned. From XX/XX/XXXX to XX/XX/XXXX, I was XXXX. I had no fixed address and was essentially living on the streets, in a car, or a hotel when funds were available. My decent into XXXX  stemmed from a job loss. Presently, I am attempting to restore my credit ; but when companies such as this impede my rights to challenge any debt prior to reporting, it becomes extremely difficult.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I tried to initiate account closure with HSBC via phone but as of XX/XX/XXXX I do not see any evidence of action taken to actually proceed with the closure. I would like to close my HSBC Premier Account XXXX, and my HSBC Premier World Mastercard Account XXXX, and my HSBC Brokerage Account XXXX. The Premier World Mastercard has a negative balance of XXXX that I would like to be mailed to me as a check to XXXX XXXX, XXXX XXXX XXXX XXXX, Apt XXXX, XXXX, IL XXXX, XXXX. I have cleared HSBC Premier checking account balance to {$0.00} and to this date have not figured out how to fund the brokerage account online so it also has {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Ceannate
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
1. FMS  is reporting an unvalidated debt to the Credit Reporting Agencies ( CRAs ).

2. Upon receiving written notification of the alleged debt, I immediately responded in writing within the statutory time-frame of 30 days and requested that FMS furnished me with " Validation '' of the debt.

3. The request in paragraph 2 has NOT been forthcoming. Instead, FMS decided to continue with
Collection activities and has updated my credit report as recent as XX/XX/2018.

4. Pursuant to FDCRA, all collection activities ought to be stopped during the window where debt validation is pending. FMS has NOT yet validated this debt and as such it should NOT be reporting on my credit report.
5. In light of the foregoing, FMS is in violation of FDCPA, and notwithstanding prior violations previously submitted. Consequently, this complaint serves to engage the services of FTC and/or CFPB to ensure that my consumer rights are protected and are not infringed upon by FMS. Additionally, it is hereby requested that CFPB administratively order FMS to remove all negative information from my credit report and cease all collection attempts until they provide me with Full Validation of the alleged debt. 6. All rights reserved to seek compensation for all violations already committed to by FMS through the appropriate legal channels. 7. I trust that this step will amicably resolved this matter ; thus averting the need for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX amounts of XXXX times XXXX and XXXX $ times XXXX and a XXXX XXXX of XXXX sometime during XX/XX/2023 and XXXX in the amount of 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 2018-08-13
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The only charges to my bank account at the end of the service {$500.00} or two charges at the end of the service. One for {$380.00} and another for {$120.00} both to be done at the end. Of the service. No, not during the service. The end of service. Only those particular specific ones. " Equals to only {$500.00} '' None of the process procedure was done!!! 
Please do not forward attachments. Download attachments. Then send to.

Reason I, do not work for the CFP bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian is reporting inaccuracies on my credit report regarding a fraudulent address ( XXXX XXXX XXXX, XXXX, Va ) and a fraudulent XXXX XXXX account number : XXXX. Experian has failed to delete these inaccuracies. I have proof fXXXX  XXXX that this a fraudulent account.

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 2018-03-07
Company: Lending Club Corp
State: IL
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 have a loan with Lending Club and it reporting that I was 30 days twice ( 1 ) time in XX/XX/XXXX and ( 1 ) time in XX/XX/XXXX. They have corrected this twice with XXXX but now its showing on XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
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: Account status incorrect

Complaint:
XXXX is currently reporting 2 mortgage accounts on my credit file. Both are showing 1 late payment but each account is reporting a different date. I have already provided written proof to XXXX via mail and fax several times last year trying to correct/remedy the situation. 

Current mortgage account : XXXX XXXX- this account was not opened until XX/XX/XXXX so it should not be reporting any late payments in XX/XX/XXXX or anything prior to XX/XX/XXXX. 

Previous mortgage account : XXXX XXXX- this account transferred XX/XX/XXXX to XXXX XXXX- this account did not have any late payments and based on the incorrect reporting on both accounts it further validates my claims that XXXX is erroneously reporting inaccurate information on my credit file. 

I have attached my bank statements that further support my claim ( the payments are highlighted in yellow ) : XX/XX/XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX XXXX XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX I have written to XXXX  several times with no response showing the conclusion of their investigation as well as no additional info about my supporting docs.

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 2020-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I previously had an account with Capital One ending with XXXX with a credit limit of {$7000.00}. I allowed my grandaughter to use the account while overseas, in XXXX. I allowed her to be an authorized signer. There were charges placed on the account she said she did not make, however she returned from XXXX after becoming stranded and no way for me to fight the charges. 

I agreed to pay Capital One, over a 5ive year period without penalty, and what do the do they penalized me by placing erroneous remarks with the credit bureaus say I was 180 days late on the account, which the most ever was 90 days. I made all payments as agreed and paid 7 % + interest and they stole the mileage credits that could have been applied to the account. 

I paid account off in less then three years, over paying and simply ask them to return the overpayment to my bank account. They still have not returned the funds in any capacity. 

I should be able to charge them late fees and interest for taking money that did not belong to them, destroying my credit on my reports and then fail honoring their agreement. 

I wish deeply their were safeguards for consumers against companies like Capital One as consumers struggle with outrageous interest rates, excessive late fees that should never be allowed and stop these greedy companies from destroying US economies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$9200.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$24000.00}.

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 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
the following accounts that appear in my report, are not mine, they were reported without any authorization, they are hurting me. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAP1XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent dispute to company XX/XX/18 and again XX/XX/18. 
Never received any response after the 30 day period governed by 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 2021-03-02
Company: JPMORGAN CHASE & CO.
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX XXXX sent me a debit card that was fraudulent opened with all my information ... .there were no charges and they closed account on XXXX ... .account was opened XX/XX/XXXX using my name birthdate ss # and address and cell phone .... 
Chase bank also same thing someone attempted to open debit card and account with my information on XX/XX/XXXX ... account has been closed.

Company response to consumer: Closed with explanation