BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: SC
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:
Experian sent me an email dated XX/XX/22 stating that they are denying my request. My request was not made in error, it was not made on the basis of material misrepresentation of fact by me in relevance to block identified transactions, and they determined that I have received possession of goods, money or services. In order to determine that they would have to search my home to find any goods that they speak of in which they have not. 1681 cXXXX states that they are required to block information no later than 4 days and Experian refuses to do what they are obligated to do in requirements to federal law. 
I've asked for permissible purpose that they have on file and they never sent any documents proving so, nor have they provided an investigative consumer reports. Its clear to me that Experian does not care that the banks are dependent upon fair accurate credit reporting and they also do not care bout their affirmative and continuing obligation to protect and secure the privacy and confidentiality of consumers nonpublic information. 
I have filed an identity theft report, XXXX XXXX XXXX reports, and a XXXX reports.

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 2017-08-26
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or around XX/XX/XXXX, during the application process the mortgage originator asked me why I had been out of work and I responded " due to medical reasons ''. He probed further and I explained that I have a XXXX. He then went on to ask me what my XXXX was and I explained that I am being treated for XXXX and XXXX. He then asked if I have any supporting documentation to prove that I am indeed XXXX? I explained that I could get a letter my my doctor and I am also willing to write a letter and provide any other requested documentation. My FHA loan was then denied. I was told that the reason was because I had not been on my job long enough, however, I had discussed the possibility if changing jobs with one of the mortgage originators and was told that it would not affect me as long as I did not switch jobs during closing. I also told XXXX XXXX that I had received the go ahead from the referring loan originator that I had just changed jobs and I had been assured that it would not affect my application. I believe that knowledge of my XXXX influence the loan decision resulting in a denial of my FHA funding. This situation has caused me a great deal of emotional distress, it has affected my ability to purchase the home, which will effect me financially and emotionally, especially due to the fact that I have been renting in the same high crime area since XX/XX/XXXX and I am feeling trapped and I have now lost the opportunity to purchase an affordable home due to the fact that my XXXX was used to discriminate against me and deny my loan. I also believe the fact that I am a single one income female coupled with a XXXX led to the denial. XXXX XXXX then had me apply for a conventional loan, which was also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022, I visited the Chase Branch at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and spoke with XXXX XXXX to open an account. I provided XXXX with my Missouri drivers license, Social Security card and my U.S. Passport. While XXXX was entering information in the system an alert appeared stating to contact a 877 number. XXXX made several calls and was told that no new accounts could be opened for me. XXXX asked for a reason why no accounts could be opened, and I also inquired and there was no reason given as to why I couldn't have an account opened. 
I reviewed my XXXX and XXXX XXXX XXXX accounts and there is no notices found there either. I am requesting that Chase provide a written response as to why I can't have an account opened with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 and/or bankruptcy from my credit report immediately.

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 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A fraudulent transfer was made on my Bank of America checking account via XXXX. Someone accessed my account and sent {$10000.00} to an unknown person. I contacted the bank right away and been told time and time again, they can not help me. They claim that XXXX is a third party and I need to work with them. I've contacted XXXX and because the transfer of funds was made using the Bank of America XXXX portal, and not the XXXX app directly, they turned me away and advised on the bank can help me. After ( 2 ) weeks of going back and forth with Bank of America and submitting a claim for fraud / unauthorized transaction, the bank has denied my claim an closed the case.

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 2019-11-29
Company: EQUIFAX, INC.
State: WA
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 am going through a refinance with XXXX  when they reported that Equifax had reported a missed payment on my mortgage at XXXX XXXX. I submitted a file dispute on XX/XX/2019 to resolve the issue. Everyday since XX/XX/XXXX I have received an email from Equifax advertising. On XX/XX/XXXX, I received an email that my Credit File Dispute is complete with my confirmation as XXXX in addition to my Equifax advertising email. I also received a letter from XXXX XXXX stating that I did not miss a payment and that this was an error. I followed up with Equifax website to get a status update, but this required me to create a login and then use one of my two annual reports. Then, Equifax required me to call in to confirm my identity. I spent 40 minutes answering questions on the history of my credit reporting including providing my current mailing address, last 4 digits of my social security, and a slew of 10 questions regarding my credit history. Then, the agent " XXXX '' told me that I needed to mail in a copy of my photo id and social security before I could get the status of my filed complaint. I did not mail in my photo id or social security because this puts me at a security risk in further. I still don't have the update on my dispute. 

Equifax was the only company that reported that I had a missed payment. Then Equifax required me to use one of annual reports. I was receiving daily advertising from Equifax on their services. Then, when I asked to opt out - I still receive email messages at least twice a week telling me to check on my file complaint status. However, I can not check it unless I send in my ID and Social Security Card. I feel like Equifax made a mark on my credit report on purpose so that they can harass me on buying their services and collect data on me that they should not be collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
all are being reported on experian, XXXX  and XXXX. They did not have my permission to run my credit and i have been fighting to show proof in writing and no one has provided me this informatiom. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-26
Company: EQUIFAX, INC.
State: GA
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 disputed a collection item by XXXX XXXX XXXX, receive a email from Equifax and XXXX that they verified the debt. So I asked them to provide me with a copy of the information they used or that they had on file to validate this collection to this day they have not provided this information or removed this item from my credit report. XXXX on the other hand sent me a copy of an account summary report ( this is not what I asked them for ) I asked them to provide me with a copy of the original contract that I signed with them proving that I owed them the {$290.00} debt they have as a collection item on my credit report. I still have not received that information from them. 

As I understand the law once the original creditor receives a charge-off they forfeit all rights to collect that debt and no third party can assume the role of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My manufactured home mortgage payments are being allocated 66 % interest and 34 % principal. On my statement ( see attached ) it says interest rate 10.75 % actuarial. I sent an email to DITECH customer service on X/XX/17 and have not received a response.I am trying to get an explanation from DITECH why I am paying an interest rate of 66 % per month while on my statement it says 10.75 %.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Per the US Department of Education article published XX/XX/22 lenders are to discharge ( without applying for Borrower to Defense ) all federal student loans borrowed to attend any campus owned or operated by XXXX XXXX XXXX ( XXXX ). XXXX  also owned and operated XXXX XXXX, XXXX, CA, XXXX that I attended. The article further states that borrowers were to receive notification within the coming weeks and that no further action was needed on the part of the borrower. The loan servicer failed to send out notification to borrowers and/or address the article. It has been three months since the publication of the article by the Department of Education. I called the loan servicer as no notification was received via email, mail, or published on their website. The loan servicer directed me to contact the Borrower to Defense hotline of studentaid.gov. They did not have a response to the publication or policy established. I tried to notify them, but they stated that it needed to come from the Borrower to Defense department. I tried to call back on XX/XX/22 to notify them again. The agency was not familiar with the publication and tried to insist that I did not qualify for discharge. I had to insist and request that they confirm that I had federal student loans. They reluctantly did so. They again directed me to the Borrower to Defense hotline and stated that they could not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: CT
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 XXXXXXXX Bank # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: VW Credit
State: NC
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:
SOMEONE HAS STOLEN MY IDENTITY! I SAW THAT THERE WAS A INQUIRY FROM VW CREDIT ON MY XXXX CREDIT FILE AND I CONTACTED AUDI FINANCE AND XXXX AND THEY AUDI REMOVE THE INQUIRY ASAP AND THEN THE ACCOUNT CAME ON MY FILE ABOUT A WEEK LATOR! AUDI FINANCE TOLD ME THAT SENSE THE INQUIRY WAS REMOVE THE ACCOUNT WILL NEVER SHOW UP. THE ACCOUNT IS FRAUD AND EVEN THE ADDRESS IS FRAUD LIKING THE ACCOUNT. THEY ARE REPORTING UNDER XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX, I LIVE AT XXXX XXXX XXXX XXXX, XXXX XXXX NC. PLEASE REMOVE ASAP. MY ATTORNEYS WILL BE HANDLING THIS IF NOT REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX charges to XXXX were made to my Chase credit card in late XXXX XXXX ( XXXX ; XXXX ; XXXX ). While reconciling my XXXX statement, I noticed these charges and called Chase on XX/XX/XXXX to report fraudulent charges. During that call, I made it clear that I did not know who XXXX was, nor had I or anyone authorized to use the account had ever done business with XXXX. On XX/XX/XXXX, Chase sent a letter indicating the charges for XXXX and XXXX were fraudulent and were reversed, however the XXXX I had received benefit from and would be charged for. After receiving the letter, I called Chase on XX/XX/XXXX asking for additional details. During that call I made it clear that again, neither I nor anyone authorized to use the account had ever done business with XXXX. I made it clear that I could not provide any details to combat the transaction as I had no knowledge of the details of the transaction - I had no idea what the purchase was for although assumed it was for travel as that was how it was categorized on my credit card statement. I asked for additional details - if it was for travel where from and where to? would providing details on where I was at or access to my passport assist? They indicated they would 1 ) open another fraud case 2 ) asked I upload the pages from my passport 3 ) provided the contact info for the person who had reviewed my claim. On XX/XX/XXXX I received an electronic letter from Chase indicated they had reviewed the fraud charge and still considered it mine. I promptly attempted to call the contact originally provided as well as the contact information on the electronic letter. The call to the original contact was not answered and I was unable to leave a voice mail for that person. I tried the contact provided via the electronic letter who indicated they were XXXX until XXXX XXXX then turned around and called the fraud department again. In that conversation I reiterated the details I had provided before. Chase guaranteed me they would have the contact call me within 24-48 hours to provide additional details on their findings. No one called me. Without their findings I am unable to fight this charge. I did not authorize these charges. I have no knowledge of what was purchased. No one in my family that has been authorized to use this account authorized these purchases nor has any knowledge of what was purchased. I called Chase again on XX/XX/XXXX again stating my position as noted above, calling them out on not following through on their guarantee that I would be contacted and provided with their information. I have given them notice that they have until COB XX/XX/XXXX to provide this information before engaging my legal counsel and requesting all documentation be handed over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
please remove the XXXX collection from my file it has been removed STATUS Company responded on X/X/2017 RESPONSE TYPE Closed with explanation Company 's Response Re : XXXX XXXX Reference No : XXXX Original Creditor : XXXX XXXX Dear XXXX XXXX : Your dispute has been noted. Please accept this as confirmation we have closed the account in our office and returned it to the original creditor. Additionally, we have requested a deletion of information provided by XXXX XXXX  to the credit reporting agencies. You may wish to check with your local credit bureau in 30-45 days to ensure that your credit file has been corrected. Your Credit Bureau Account XXXX is XXXX. Thank you for the opportunity to review and respond to this matter. This communication is from a debt collector. Sincerely, XXXX XXXX, # XXXX Consumer Affairs staff on behalf of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Questioned billing and computer error through first and second notice. Received zero to answer my questions under FCBA. XXXX reported my account as delinquent to XXXX with no investigation. A violation of my rights!! My credit score is now damaged due to negligence on XXXX part to do a proper investigation. My credit was perfect up until this fraud and deception took place!

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 2022-09-02
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-03-08
Company: WELLS FARGO & COMPANY
State: CA
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:
Ive been a loyal customer with Wells Fargo for 10+ years. Ive never had an issue with them until recently. I was a victim of theft and some unauthorized charges reflected on my account because of this issue. After reaching out to them and explaining my situation they submitted my claim for review. After almost a month I get sent an email stating that they denied the claim. Can you imagine being held responsible for almost {$300.00} worth of charges that were not yours? The claims department told me there was nothing more we needed from you I made myself available for follow up and was willing to provide supporting documents to help prove my position but they took it upon themselves to shove these {$300.00} down my throat and repeatedly say it was denied. Im terminating my relationship with them and will express my frustration on every possible platform. I took it upon myself to encargare my friends and family to terminate the relationship with them as well. I feel completely unappreciated. Shame on 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 2017-09-08
Company: EQUIFAX, INC.
State: ME
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:
Equifax has managed to have over 143 million accounts compromised. According to their security site, I was affected. Why exactly do I need to jump through hoops to have my credit monitored when they could n't securely do the one job they exist for?

Company response to consumer: Closed with explanation