BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: TN
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 asked XXXX to verify an account placed on my credit. The company 's name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount asking {$140.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C. 1681 604 A 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 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 have a closed auto loan with Capital One Auto Finance. This account was opened XX/XX/XXXX and is now closed. Per the fair credit reporting act, a closed account can only be listed on your credit for 10 years if it is a positive account. A negative account would only be listed for 7 years beginning with the first default and/or late payment on the account. My first late payment per my records and capital one is XX/XX/XXXX and the vehicle was repossed in XXXX. Therefore, this account should have been removed in XX/XX/XXXX. I have asked Capital One Auto Finance on 2 separate occasions in writing, disputed with the credit bureaus twice, and have escalated this to the President 's Office in Capital One. I was told they recognize the first late payment as the first time a payment was missed but another payment never occurred after. They are viewing my first late payment in XX/XX/XXXX, this was the last payment I made on the account and the day I requested a voluntary repossession due to the high payments. I simply wish for this to be removed from all reporting bureaus per my right under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
its a phone bill and a medical on my account I didn't have any info about I reached out the the company and the credit bureau on different time to get the handle I need this remove offf my account asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit into my business account XXXX XXXX on XX/XX/XXXX for over XXXX. I went to make sure the balance had posted after the XXXX, and it had. I didn't need to write checks with that particular account and assumed there was no issue and made small purchases up to today 's date and they cleared with no issue. I went to charge my healthcare test to the card today for {$140.00} and it was declined... twice. I opened up my account and they have placed a hold on the funds since I saw them clear after the XXXX. I have outstanding checks that will clear as of today 's date, so I called them to see what the issue is now. I spent collectively on the phone over 45 minutes between holding and speaking to people. They informed me they had placed a hold on the check, never said why other than the need to verify funds which is XXXX  considering they have had the funds in Chase for over 6 days ( I verified this with XXXX XXXX XXXX  ). I held a federal and state-chartered banking and broker license in the XXXX 's so I understand the banking world somewhat. This is nothing more than Chase doing this to a plethora of people all at once as it aides the fractional reserve banking/lending system we use currently- great for the lending process but egregious to we the consumers and a major inconvenience. Was never notified by Chase-no call, no email no nothing- just an after the fact " we are sorry ''. The verbal band aid they like to use when they have no meaningful reasoning behind their actions- complete baseless and without merit. They tried to blame XXXX XXXX XXXX as the culprit as XXXX XXXX XXXX will not verify anything over the phone, not sure why you need to verify the funds are in your account when you can see them. BTW the other account the check was written on belongs to me as well so I saw when it cleared that side. Extremely bad customer service on all fronts and I will use this account sparingly till I can get to XXXX XXXX A to open another account there. Please hold Chase Bank accountable for their actions and I would like to know if there are any other agencies that I can file with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted A complaint with this company back in XXXX. They responded to the complaint stating I insurance A XXXX XXXX and A XXXX Buck which is incorrect. As stated prior I have NEVER had insurance with progressive insurance and these vehicles where not mine as I was A victim of identity theft which is a ongoing matter TODAY. This company ASSUMED these fraudulent accounts belonged to me when I am In data base showing as A ID fraud victim. H They have knowiny broken multple laws and violated my rights as A consumer. They failed to validate the debt within 30 days and although in the last complaint they said they would send validation they sent what would be considered in court as verification. They sent A billing statement which in no way shows I opened this fraudulent account. Again, I am requesting all credit reporting be removed and I will be moving forward with civil court to address this business as A whole. I have made it clear this account did not belong to me, Ive also never recieved debt validation nor do they have any proof that this account was indeed opened by me. When i spoke to progressive I was told the accounts where open online and they where unsure who opened the account and I have that on recording to play in court. This company will be sued if they fell to remove all of this inaccurate reporting ASAP!

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 2021-10-03
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:
Dear Equifax, I hope you are doing fine when you are reading this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Re : Notice of Intent to sue for falling to remove innacurate information after received Identity Theft Report. 

Creditor : XXXX XXXX XXXX XXXX Account # XXXX Dear Sir/Madam I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), 615 ( f ) and the 623 ( a ) ( 6 ) of the Fair Credit Reporting Act which states that this information must be removed within four business days of receipt.

THIS LETTER servesas the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information , and for which you are responsible.

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as CLRA ) California Civil Code section 1750, et seq., ( hereinafter referred to as the ACT ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account # XXXX which constitutes violations of the Act and of my demand that you remedy such violation within four ( 04 ) calendar days from your receipt of this letter.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : Any actual damages I sustain due to your failure to delete this item ; Cost of court action in order to have the item deleted; Punitive damages as the court may allow ; Nelson v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter. 



Yours very truly, XXXX XXXX XXXX XXXXc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX ( XXXX ) California Attorney Generals Office Attachment : FTC Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Other financial service
Sub-product: Check cashing
Issue: Fraud or scam

Complaint:
CFPB ComplaintI have a small business. A former associate fraudulently obtained a check made out & printed payable to my business, ( the payee ). This person Hand wrote their personal name on the check and cashed/deposited it at Bank of America. They also endorsed this check with their signature. Effectively this person stole this check for {$20000.00}. In USD which was payable to my business. Bank of America, upon filing a Demand letter to have these funds returned to the appropriate Payee, ( My Business ) is quoting state Law for Washington State for which they are not governed by, in using the statute RCW : Revised Code of Washington : XXXX Conversion of Instrument. This is an inappropriate and irrelevant quoting of regulatory statute. This is apparently being used as an Excuse for the purpose of not returning the fraudulently cashed funds into their bank. The Bank of America is governed by the OCC and not by State codes further. This check was printed with my business legal entity Name which is primary in the Payee endorsement of check payment instruments. It is fraudulent to cash or deposit a check to an account to any other account not associated with the printed intended Payee account, particularly without any primary payee endorsements or notifications. I request the CFP make notification to Bank of America this transaction was fraudulently cashed or deposited and payment to the appropriately intended Payee must be made immediately. Further, I request any and all legal notification of the OCC governance and appropriate banking or check fraud notifications be made to both myself and bank of America Fraud department Via : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Phone Number XXXX Address : XXXX XXXX, XXXX XXXX XXXX, XXXX, WA, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
A false accusation against XXXX has been made by OCWEN in response to Case number : XXXX XXXX XXXX, Ombudsman at OCWEN verbally told me over the phone that the problem I reported in Case number : XXXX was caused by XXXX. I am filing a separate complaint because this is a separate, serious allegation. I called XXXX XXXX, Executive Disputes Dept of XXXX at XXXX and point blank asked her if XXXX did the things OCWEN claimed they did. XXXX XXXX said that the incorrect information that appeared on my credit reports generated from OCWEN, not XXXX. She stated that XXXX did not cause all the other credit bureaus to report the false information which harmed by credit score. XXXX XXXX said that the only time XXXX reports to other credit bureaus is in matters of reporting FRAUD. 
OCWEN has repeatedly ruined my credit score in 2016 and has never taken responsibility, thus I believe they will continue to damage me financially since they are still not taking responsibility for this latest incident. 
I have received a letter from OCWEN that insinuates I am stupid for reporting this matter to the CFPB again. OCWEN maintains they have already responded to the CFPB about this issue. The fact that they are still committing the offense does not seem to trouble OCWEN. It is like someone received a traffic ticket for running a red light and is upset and calling the police officer XXXX for giving them a XXXX, XXXX and XXXX ticket for running the red light again and again. .It 's as if to say : " Officer, you already gave me a ticket '', as if XXXX ticket gives them the right to continue to commit the offense with impunity. 
Ocwen seems to be telling me that they have immunity and can repeat the offense as many times as they want now since the subject has already been addressed. 
OCWEN has also told me on many occasions that my loan will be pulled from all the credit bureaus any time I report them to the Attorney General and the CFPB for removing my loans from the credit bureaus. This is cyclic thinking and it is not logical. 
XXXX XXXX at XXXX XXXX XXXX can also verify that TransUntion did not alter my credit report because of a transmission from XXXX. Ocwen is trying to convince me that XXXX caused the financial harm my family is suffering now and all of 2016 since Ocwen began attacking my home loan which was in excellent standing. 
OCWEN also told the CFPB and the Attorney General that I had failed to get the Keep Your Home California recast document notarized and neglected to mention that after OCWEN took the KYHC {$76000.00} money and posted it to the loan in XX/XX/XXXX, they did n't send me the document that needed to be notarized because they REMOVED MY NAME FROM THE LOAN. Many months late, they sent me the form after putting my name back on the loan but neglected to include an address and a return envelope. OCWEN has exhibited a pattern of blaming others for damaging events that they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Cascade Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a letter in mail from XXXX in reference to a debt of {$760.00}. Letter indicates original creditor was Cascade Capitale which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRUIST FINANCIAL CORPORATION
State: TX
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 new personal Truist checking account under the Welcome {$500.00} Checking Offer XXXX ( XXXX ) on XXXX/XXXX/2022. 

Two Qualifying XXXX Deposits totaling {$1000.00} or more within 90 days of account opening were made on XX/XX/2022 and XXXX/XXXX/2022. 

Four weeks have based and I have not received the {$500.00} offer. 

I have contacted Truist twice and their foreign call center agents have been no help. 

The online offer tracking system says the my account was closed. My account is open and active.

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 2020-06-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, my payment was received late. I explained to the credit bureau and XXXX XXXX  that my payment was late due to an error. XXXX XXXX didnt look into my payment history with them, because if they did than they would notice that my payments have been on time for the last 2years.

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 2016-03-22
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Do want to thank the CFPB for providing a forum to address Mortgage fraud. In my case JPMorgan Chase and XXXX XXXX as the CEO. JPMorgan Chase was and is the judge and jury in this case of downright fraud. They gave me a verbal mortgage ( their written word ) and decided after the first payment that they would no longer accept anymore payments. Dealing with over XXXX of their representatives - who were working under the direction of JP Morgan Chase with an incentive to foreclose on homes ( still waiting for XXXX XXXX to confirm ). No amount of forms filled out and sent by every conceivable method would ever arrive intact for this company. The stress, the torture that I went through is unbelievable. The answer was always the same - your file is empty, nothing in the file - who gave you the mortgage, who told you your home is in foreclosure, we have no idea what you are talking about. In the meantime bills that I was not allowed to pay was being wracked up by this dishonest institution. They finally had to agree recently that the claim of sending XXXX inspectors to our home was a mistake. I never saw one. No one ever rang the doorbell. Absolutely dishonest financial institution and as they say 'A fish stinks from the head down '. Now I am constantly on a 'merry-go-round '' of papers with them. Each week I can guarantee that they will send another form telling me that they are " Researching '' and will get back to me. Researching what. You had nothing in the file to begin with, unless you are trying to find ways to lie. What is there to research after all this time and fooling the CFPB about 'partial response '. A morass of corruption if ever I see one. At this time, I am taking my frustrations to the next level..Let me and XXXX XXXX take our case to the American Consumer. Let them continue with the useless 'researching and asking for extension ' routine. So thank you CFPB for providing a platform, however this is going nowhere and JPMorgan Chase has this figured out. In every instance of corporations and countries having a XXXX moment ' it is usually done by one individual. Well, I will make sure that 'Too Big to Fail '' JPMorgan Chase has its day of reckoning and hope to one day see the CEO XXXX XXXX doing the 'perp walk '. It is about time. There are many politicians out there in this competitive election year who would definitely like to put a face to the mortgage mess created by dishonest institutions like JPMorgan Chase while taking government bailout. Thanks again to CFPB but dishonest institutions like JPMorgan Chase feel secure in knowledge that they can fool you and everyone with useless extensions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
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 and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 And all inquiries, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 
Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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:
its a phone bill and a medical on my account I didn't have any info about I reached out the the company and the credit bureau on different time to get the handle I need this remove offf my account asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
reporting inaccurate information

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