BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: BSI Financial Holdings, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The payment I made on XXXX first was not logged as a payment, and not applied to my loan balance. It was applied as cash receipt and categorized as unapplied. This allowed undue interest to accrue and falsely categorized my account as past due. The company demanded an additional full payment that I did not owe to " bring my account back into balance, '' despite the fact I set up autopay to pay half the payment every XXXX XXXX 

I have provided evidence that BSI did not process my XXXX payment as required by law, and never applied the funds to my balances. BSI showed on my account that they would not process my XX/XX/XXXX XXXX autopay and demanded an entire additional mortgage payment to bring my account back to current after taking my payment and refusing to apply it.

After the additional one time payment I made was processed, BSI took an extra payment on XX/XX/XXXX that I did not authorize for the amount of {$1200.00}. This is the amount that I initially set up for autopay but BSI refused to process, choosing instead to skip to the XX/XX/XXXX payment. 

In taking this payment without my consent, they overdrew my bank account and made my balance negative. BSI falsely put my current account in past due status, lied about the payments they were taking, and demanded payments they were not owed. Most egregiously, they stole more than {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: American First Finance, Inc.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian has sold my information to other company with someone is using my credit with a different number ending in XXXX witch I never had a number ending in. That at All and information also someone has my information to where I have to switch out all my debit cards and bank account also going to places where I use my number it pops up as other people

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 2023-08-18
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I started a loan application with US Bank for a fixed XXXX mortgage. 

On XX/XX/XXXX, I was provided disclosures for loan. 

On XX/XX/XXXX, the processor XXXX XXXX reached out to me regarding some items required, in addition to everything I'd already uploaded. 

On XX/XX/XXXX and XX/XX/XXXX, I was asked for additional items, which I provided. 

On XX/XX/XXXX, I was asked for a mortgage statement, that I'd previously provided. 

I didn't hear anything again until XX/XX/XXXX, where I was sent an adverse notice of action denying my loan due to " high DTI ''. 

I know how to calculate DTI, and my own calculations put me well under any threshold they may have, so I'd like to see the calculations for my Debt, and for my Income. If US Bank thinks my DTI is too high, they must have made these calculations, so I'd like to see them, as they were not provided to me in any medium. 

I was not given any opportunity to discuss or find a resolution, the loan was simply sent for denial which is suspicious, as it hints that US Bank never had an interest or intention to lend the money. Otherwise, they would have suggested getting a co-signer or possibly borrowing less money.

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 2023-08-18
Company: HYUNDAI CAPITAL AMERICA
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:
There is a XXXX late payment on my credit reports with XXXX, XXXX, and XXXX for the month of XX/XX/2023, which should not be there, pursuant 15 USC 1681a 2 ( A ) ( i ). I am asking that this XXXX late payment be removed immediately before I seek litigation and pursue damages of {$1000.00} per occurrence. Please comply and remove this inaccurate information from my credit reports with XXXX, XXXX, and XXXX within 10 days from this dispute. Thanking you in advance!

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 2023-08-23
Company: Farrell Holdings, LLC
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: Investigation took more than 30 days

Complaint:
Online disputes were filed with all XXXX credit bureaus on : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and dates older regarding an account where the balances are incorrect. 

The original balance is listed as {$8700.00} but the past due balance is {$15000.00} which is not at all possible given the original balance was only {$8700.00} not to mention the car was resold and that amount was not deducted from the balance. 

I have even worked with credit repair companies and this account is still listed on my report incorrectly. After the dispute investigation its only reflected as updated with no changes and no one contacting me via phone or mail acknowledging that a dispute was received. In my opinion, no investigation was completed and this is not just applicable to this account but all accounts that I have disputed in the listed dates above and prior to those dates. I am aware of the Texas code for financial institutions in that surety bond info must be accurate and active in order to do business in this state. After a thorough search, no surety bond information was located for the company listed above. Also when attempting to reach out to that company, there is misleading information about when needing to file a complaint or concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: GA
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:
I sent letters off to the credit reporting agencies and they haven't responded yet, it been over 90 days. I told the credit bureaus to investigate every piece of information on the account I have listed below. 

inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX account : XXXX According to the FCRA the term " investigative consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. If they would have done a proper investigation they would have know that these accounts that are listed are accounts that were opened by fraud, due to my personal information that was leaked on the dark web due to the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
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 XXXX XX/XX/XXXX {$9500.00} I have had accounts been disputing this with XXXX XXXX daughter who gets away with uisng the name XXXX has opened account while I had XXXX XXXX She had access to my personal accounts. Please provide signatures on credit card/loan or what ever this- XXXX XX/XX/XXXX {$6000.00} / {$4700.00} negotiated for payoff I was given this info constantly dispute these items for years now unacceptable I pay my bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
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:
I was denied from applying for a auto loan due to the amount of hard inquiries I have on my report that i didnt consent which also has affected my credit score

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 2022-12-12
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: Was not notified of investigation status or results

Complaint:
Transunion has received a letter deputing the negligence of compliance on XX/XX/2022. They have never acknowledge nor sent anything in the mail. Pursuant to 15 usc 1681 Transunion can not report anything on my account without permission! Also, this investigation has taken longer than 30 days!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: NJ
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:
These are the other hard inquires : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX deal services, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX BRANCH ( FINANCE ), XXXX XXXX ( Bank ), 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, 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 XXXXXXXX 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 2023-03-31
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
i had a credit card account with tractor supply back in XXXX, due to hospitalization it went to collections, and I paid it off in full. in XXXX of XXXX I wrote Citi a letter explaining my circumstances and asking them if they could remove the bad debt in good faith. 
Not only did they not remove the debt, they changed my date to the day i asked for a good faith removal to XXXX XXXX making it look like a recent bad debt. this has caused me to be denied loans and credit cards.

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 2023-10-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Chase Freedom Credit Card application fraudulently submitted XX/XX/2023. I called to cancel the application on XX/XX/2023. Another fraudulent application was submitted for a Chase Freedom Credit Card on XX/XX/2023. I called to cancel that application on XX/XX/2023. Another fraudulent application was submitted immediately after I cancelled that one, so I am calling Chase again as soon as I submit this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
The following accounts have violated my consumer rights : PORTFOLIO RECOV ASSOC : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ).

Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ).

Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ).

Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ). 
Seeking prompt resolution per XXXX guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching XXXX compliance. Immediate action requested, including deletion of derogatory info.

Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings. 

Prompt attention and resolution expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
-- -- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- CAPITAL ONE has committed securities fraud, CAPITAL ONE has discriminated against me by denying me a right against the XXXX, CAPITAL ONE has willfully and voluntary chosen to report deceptive adverse information on my consumer reputation about an alleged debt owed to arose out of a Finance Charge were All Sums where included and satisfaction was made upon application, CAPITL ONE has charged off a debt and has not returned to me dollar for dollar in the amount of the charged of debt and is in violation under 26 USC 6050P, CAPITAL ONE has charged off a debt INCORECTLY reporting it as a debt owed when under IRS definitions charged off debt is should be reported as income there for reporting false, deceptive and incorrect information on my consumer report against 15 USC 1681e ( b ) and 15 USC 1681a ( 2 ) ( i ) and 15 USC 1681a ( 2 ) ( b ) and 15 USC 1681b and 15 USC 6802-3-4-6-9. CAPITAL ONE has charged of a debt as a business loss for tax benefits and has failed to file and send to me a IRS Form 1099C there for committing tax fraud which will be reported to the IRS via a 3949a and 211 Form. CAPITAL ONE you have caused me massive and immense damage financially and personally and have caused me to be discouraged and lose faith in the banking system. I am tired of dealing with this matter with you and im seeking a resolution between you and I one last time in Good Faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: OneMain Finance Corporation
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent my fraud report to these companies, letting them know that it was not me that applied on those inquire reports and they still have not done anything about it. I would like these reports investigated and removed once they find out its not mine or I will have to sue them for this inconvience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Dear XXXX, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( XXXX ) owed are not accurate for the following items : Party Owed : XXXX XXXX  Amount : {$13000.00} Account Number : XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account NumberXXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRADULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
No purchase was made : When I tried to purchase one XXXX XXXX supplements I could not make a single purchase, they the credit card co. chase amazon wanted me to sign up for a subscription plan for multiple bottles. I tried several times to order without signing up for a subscription. " on XX/XX/23 afternoon from my computer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Last Friday, when I checked my Bank of America, checking account, which I opened here in XXXX, North Carolina, I noticed that the bank had cashed five checks from a gentleman named XXXX XXXX, totaling {$4100.00} ( check # XXXX for {$600.00} ; check # XXXX for {$930.00} ; check # XXXX for {$1300.00} ; check # XXXX for {$86000.00} ; check # XXXX for {$35000.00} ) At that moment, I called the bank to report it, and the Fraud Department is currently investigating the case. On Saturday morning, there were two more checks from the same person for {$1900.00} ( check # XXXX for {$530.00} ; check # XXXX for {$1300.00} ) which surprised me greatly since I had reported and requested an account cancellation the day before. 
Bank of America is investigating these fraudulent transactions, but I wanted to report to you because it is very likely that not only my financial information has been compromised but also my personal information. I will be taking the necessary steps with the Police of XXXX, the Fraud Section of the United States Department of Justice as well. 
I don't understand why Bank of America doesn't have a good financial security system and allows funds from my bank account to be used with checks that don't have my name or signature. I haven't even requested checks from Bank of America. Actually, what gives me the impression is a precarious system with few safeguards, which concerns me greatly because they have all my information, such as a copy of my green card, social security, and driver 's license. They request this information to open their customers ' bank accounts. 
I urge your assistance since I have not received any information in writing from the bank and I need my funds back. They mentioned that the process can take up to 90 days to have my money back. I hope you can help me to expedite my claim. 
Enclosed you can find print screen of checks and print screen of online statement. 
Thanks in advance,

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 2023-07-02
Company: EQUIFAX, INC.
State: CA
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 ( FCRA ), Account Name : XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account. 

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation.

Company response to consumer: Closed with non-monetary relief