BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Fifth Third Bank continues to charge me frivolous late fees, despite the fact that my bank, XXXXXXXX XXXX, sends them my mortgage payments on time each month through XXXX. Since this past XX/XX/2023, Fifth Third Bank has charged me XXXX separate late fees of {$50.00} each time, and has refused to waive these fees on request. 

XX/XX/2023 Late Fee. 

Fifth Third Bank falsely claims that I was late on my XX/XX/2023 mortgage payment, claiming that the payment was not received until XX/XX/2023, and charged me an erroneous late fee of {$50.00}, which they are refusing to reverse. 

My mortgage payments are made through XXXXXXXX XXXX XXXX  XXXX, which ensures that my payments are received before the XXXX of each month. Upon checking with XXXX, their records show that Fifth Third Bank received the mortgage payment on XX/XX/2023. 

XX/XX/2023 Late Fee. 

Fifth Third Bank claims that I was short on my mortgage last month, and claims that my escrow was short, resulting in a {$6.00} shortage. I had XXXX send Fifth Third the full escrow shortage amount to avoid an increase in my monthly bills, in addition to my regular bill amount, so there should not be any shortage amount. Despite having paid the full shortage, Fifth Third Bank claims I was still {$6.00} short last month, and uses this as an excuse to charge me a {$50.00} late fee. 

I think what Fifth Third Bank is doing should be illegal and should be investigated into. 

Thank you kindly for your consideration. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have noticed an account reporting on my report I do not recognize According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified

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 2023-10-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear XXXX, I am writing to file a complaint regarding Chase Bank 's deliberate inaction and the prolonged XXXX phone application process to address a dispute. 

Today, I contacted Chase Bank by phone to initiate a dispute. This dispute arose because, after receiving an item, I found that it did not justify its price. Consequently, I requested the seller to provide a free return label for a refund, as per their " Free Return '' policy for after-sales service. However, the seller and XXXX failed to honor this policy and only provided an address, requiring me to cover the return shipping costs. As a result, I sought my bank 's assistance to take action against this dishonest seller and XXXX. 

Reference Number : XXXX ( optional ) : XXXX I spent over XXXX minutes on the phone, and the application process was not completed. It appeared that the bank intentionally prolonged the process, and in the end, they even pretended to disconnect the call without offering a callback. 

I find this unprofessional behavior on the part of Chase Bank to be a dereliction of duty. 

I sincerely hope that this matter will be taken seriously. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have been a victim of identity theft and I submit this complaint with regards to the fraudulent information being reported on my Credit report. I sent a letter on XX/XX/XXXX to remove personal information, address, accounts, and inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXXIve already included this in my previous Complaints & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$350.00} US SM BUS ADMIN XXXX date of inquiry XX/XX/XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX date of inquiry 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 non-monetary relief
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Mine is simple. I pay my card in full each month. This month, I owed under {$30.00} and it dropped my credit score. Monthly, when I pay the bill, I add in what I charged AFTER the bill and I also try to anticipate what I need to cover charges BEFORE the next bill. So why, if the card gives me a 30 day grace to pay the bill, bureaus can drop your score for the same issue, having a balance that is not yet interest bearing? If I carry a credit, the bank will refund me after X days. I wouldn't have to if I could pay what I owe and not have to fear messing up my score which is a quite good one because I have a balance due. Can't this be fixed? You're punishing good borrowers. It's bad enough that XXXX let a foreign goverment steal my data. It would be nice if your agency could close this loop.

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 2022-07-02
Company: Self Financial 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 and SelfXXXX apparently did an Hard inquiry on my credit report without my permission.

Common violations of the FCRA include : Pulling your report for an impermissible purpose. For instance, viewing a credit report to determine if you have assets before filing certain kinds of lawsuits.

Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, such as determining if you are collectible in a lawsuit, an employer pulling the report without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial activity.

Screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: MO
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 have been a victim of identity theft and I submit this complaint with regards to the fraudulent information being reported on my Credit report. I sent a letter on XX/XX/XXXX to remove personal information, address, accounts, and inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX, XXXXIve already included this in my previous Complaints & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$350.00} US SM BUS ADMIN XXXX date of inquiry XX/XX/XXXX XXXX  date of inquiry XX/XX/XXXX XXXX date of inquiry 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 non-monetary relief
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home at XXXX XXXX XXXX XXXX wachee XXXX was stolen from me in a foreclosure XX/XX/XXXX In XXXX my husband got laid off after the bo. Oil spill so I called wells fargo to apply for a hamp modification. I was told I had to be in default before I could apply. Not wanting to lose my house I continue to pay during that time and it placed in a special account (. Never saw that money again ). Finally at the 3 month they key me apply. My documents for the application were lost although not faxed sent in a XXXX XXXX mailer. Then I received a letter in the mail that I was being foreclosed on. XX/XX/XXXX I was served. ( you have 20 days and I XX/XX/XXXX no lawyer is in their office. Thank XXXX I already had a lawyer we were waiting on me getting served. So I called and the next day we signed on the dotted line and retained a lawyer. 
On XX/XX/XXXX my XXXX case was dismissed with prejudice because wells fargo failed to produce discovery. 
I was served again XX/XX/XXXX ( this time close to XXXX they just love that ) We hired my attorney again. This time I did a deposition, still no discovery but nationstar takes over in XXXX. They offered me a predatory modification I paid months before I learned it was predatory and refused that. Then. XX/XX/XXXX was a set trial by XXXX XXXX judges. The judge sent out a letter wanting to know what everyone was presenting at trial since there was no discovery. XXXX answers ( and its on my XXXX ) they do not have any original documentation so the trial was continued. In XXXX note # XXXX vtrmg mortgage asset trust took over. My original lawyer was disbarred and vtrmg kept calling instead of calling my new lawyer. So my new lawyer started a lawsuit with them for calling me at work. At trial for XX/XX/XXXX. No discovery, no letter from XXXX. The new lawyer i highered stated if we go to trial we will lose!! With no discovery I was forced into a settlement the night before trial. Then I didn't sign for a month When I finally received it a month later which included the dismissal of the other lawsuit we didn't discuss that. All fraud!!!! 
They stole my house XX/XX/XXXX. 
Then to top it off they filed a lost note affidavit the day of trial after I was forced into your settlement. Then they paid XXXX $ at an auction for house that way in my name!!! A XXXX $!!!! If they owned the house now are they buying it for XXXX $ why was i not emailed to buy my own house for XXXX XXXX 
Then the news about the wells fargo settlement https : XXXX? XXXX & XXXX How do I become pay off this settlement and get my money for being a victim of XXXX XXXX I am a Florida XXXX of 36 years Am homeowner in florida since XXXX to go through this horror is rediculous Please help. At XXXX my home equity is fine stolen. My investment gone. I think this was all fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
American Express Gift Card
Balance:$XXXX  
Card is declined everywhere with numerous tries since XXXX  2023

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: In progress
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A negative entry from XXXX XXXX XXXXXXXX XXXX XXXX I have been working with XXXX XXXX to get inaccurate entries investigated and removed from my report. After an investigation was conducted by XXXX XXXX the Foreclosure submitted by XXXX XXXX XXXX XXXX XXXX was removed, however Equifax and XXXX still has the entries on my credit report. I sent a request through CFPB on other inconsistencies and questionable entries on my report that still have not addressed. I would like them to explain in detail how the XXXX XXXX XXXX XXXX can remain on my Account when it was removed by XXXX after they conducted an investigation. Why should there be 3 different finding from each Credit Reporting Agency. This ends up causing problems for the consumers and ends up causing more inaccuracies. Why are there 3 credit reporting agencies anyway? Trying to clean up the inconsistencies between 3 agencies are costing me a great deal of money and is making matters for me worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 AMEX placed an inquiry on my XXXX and XXXX credit reports. I did not authorize the inquiry and I don't recognize it. 

Please remove this inquiry off of my credit reports ASAP. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Southwest Credit Systems, L.P.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Experian obtained reported information illegally from a creditor which is XXXX which reported adverse information to experian about my consumer credit standing, & reported account delinquent because I failed to pay the alleged debt which is a direct violation of 12 CFR 1026.13 ( d ). Also the statute of limitations on debt in Texas is four years according to Section 16.004 of the Texas Civil Practice and Remedies Code.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX  : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX : Account # : XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX  XXXX : Account # : XXXX XXXX : Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  : Account # : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-07-02
Company: Westview Financial Services VA, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I received a check in the mail for a loan that said We are here to help through the pandemic.. I am a single mom of a XXXX yr old so XXXX is getting expensive and it was right after the new year when all the bills were coming in. All was fine until it came time to make my first payment on XX/XX/2022. I called and they asked for my bank account number. I asked if they could take a debit card payment and they stated they did not offer that type of payment option because of the cost. I told them I was not giving them my account number and would they take a cashiers check because I do not have regular checks. They agreed and I told them I would bring it in the next day. I did some research online because the most used form of payment these days is credit or debit so it just sounded odd to me and I couldnt find much except no rating with the XXXX. Well I work at a doctors office and I let time go by because of staffing issues and honestly I felt it was a scam. Even though I got the money I felt they wanted access to my bank account. Fast forward to XXXX and XXXX I speak to XXXX XXXX a few more times and apologize for it slipping my mind and Ill be in to make the payment, as I do with my other XXXX loans from XXXX. XX/XX/XXXX there is a freeze on my account, no warning, no citation, nothing! I cant pay my rent, my car payment, food for my son. My checks are direct deposited into that account and I cant touch it even if I paid the entire balance. I have no money to get gas to get to work! No wage garnishment? I called my bank and they say their hands are tied. I call the company and he basically laughs in my face. I cant even buy a dollar cheeseburger! Can lenders just do that? Im not disputing the money I owe but I got no warning no time to work out making payments and have lost everything. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a partial payment online. This option says keeps in mind the complete payment must be paid by the due date. I made an {$800.00} payment on XX/XX/XXXX. Mr. Cooper put the payment towards principal only. I told them I wanted it put towards my payment due. They repeatedly told me the issue was resolved and it was not. The last time I contacted them, they told me after we made the payment that was due o. XX/XX/XXXX, they would that the payment I made on the XXXX of XXXX and put it towards the payment due. AGAIN, we were told it was fixed and it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: FC HoldCo LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no business with Flagship Credit Acceptance acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
I have been sending request since XXXX just to make sure that everything is properly documented like if they paid the taxes on the note or all documents were signed ... With no answer.

Company response to consumer: Closed with explanation