BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: IL
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:
I have recently noticed on my credit report ( s ) that information specifically inquired about information was reported I do not recognized. Several times I have enquired about these inquiries to the bureau 's to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', XXXX'date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-08-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I faxed an auto bill payment set up form to Fifth Third Bank on XXXX to setup automatic payments on my mortgage that had just been transferred to them because they don't allow you to set it up online or over the phone with them unless you bank with them - which is NOT mentioned on any paperwork I received, including all Welcome information. On XXXX, I spoke with a representative in the auto bill pay department to see why I was getting a letter asking me to complete the form I'd already filled out and to see if they had received my request and when it would be completed. He advised the form had been received and was in the process of being completed but could not guarantee it would be set for XXXX. I was also advised via chat that day that it can take up to two payment cycles for auto payment to be established. I don't understand how it can take so long to setup auto payments, and how it is now XX/XX/XXXX and I see that they mailed me a letter XX/XX/XXXX advising my request had been cancelled at my request since I never responded to the letters they sent AFTER I was advised to ignore them as my request had already been received. 
There is absolutely no reason why it should take so long to establish automatic payments. Fifth Third is punishing their mortgage customers who do not bank with them and seems like they are actively trying to get those customers to fall behind in order to collect fees from them. Why would I bank with a company that isn't even located in my state of residence? Why is it so hard to get an accurate response to my request? And why must I send my banking information in an unsecured manner in order to have automatic payments set up on my mortgage account? 

I thought all mortgage servicers used XXXX XXXX XXXX XXXX XXXX to service accounts. If that is the case, then automatic mortgage payments from ANY bank account are a standard feature within the XXXX XXXX servicing platform, with weekly, biweekly and semi monthly options becoming standard options around XXXX. What system are you using that is so far behind you are unable to set up payments for all of your customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was contacted by First National Bank of Omaha about Best Western Mastercard opened in my name that they suspected was fraud. I received the card, but upon contacting the bank they had said person had tried to call and re-direct card to Florida address. No charges were made against the account and card was closed. Want to make sure safeguards are in place to help stop this in the future.

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 2023-01-30
Company: TRIAD FINANCIAL SERVICES, INC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We purchased a XXXX  model home. We paid Recreational vehicle sales tax on it. We do not have to pay property taxes on it. Triad is tacking on property taxes to our monthly payment. We have called several times and they keep telling us we need a letter from the appraisal office. The appraisal office says they cant give us one because we dont have a home or an account for taxes for us. The dmv has a receipt that we paid the sales tax. Triad refuses to take that off our payment without a letter. I called on the 11 th and asked how much in property taxes had they paid. I was told nothing there was no account. I then asked why they are still taking out money. She said they will until I provide proof. She also said we wouldnt her our money refunded til we could prove we didnt owe taxes. A week later I did receive my refund for the full amount. I want it taken off my mortgage. Talking with them has gotten nowhere. They are double dipping and making interest off my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Equifax told me that they're not going to conduct a further investigation on XXXX XXXX  that is not my debt and I am not obligated to pay them. I have not receive a credit report from Equifax and they did not do what they said they was going to do in my CFBP compliant on the second in XXXX XXXX. Will have that in the attachments. What Equifax said I recently submitted a request for investigation of an XXXX XXXX XXXX Acct Number # XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. If you had investigated properly, rather than use your e-Oscar system, you would have known, this account is not even mine though your company claims to have verified or " you will no longer investigate this ''. Even though I have sent information that XXXX and XXXX has removed XXXX XXXX XXXX It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. I look forward to an expedient resolution of this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX credit froze the account based on bogus allegations. I have been using the same 2 accounts for over 8 months to pay them before a bill even generates. I've never paid a minimum balance and have always paid in full. they refuse to accept legitimate documents supporting sole ownership of the accounts with no one ever being on the account but me since opening it they refuse to accept original signature card it's almost like they are forcing me to accept allegations with legitimate proof, and it is now affecting my credit score and reputation as well as my future business with other companies which is defamation. please close the account and warn others of their faulty practices. this is a terrible business practice and it's abusive to people that have done everything they were supposed to do. PLEASE FORCE CLOSE OF MY ACCOUNT TO PROTECT MY CREDIT REPUTATION AND PEACE AND RETURN MY DEPOSIT. I do not wish to continue to do business with an abusive company that violates civil rights to make money off others.

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 2022-08-03
Company: Rozlin Financial Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Online dating site XXXX. I signed up. And was not happy with there products. It was not as advertised. I requested a refund. I didn't receive adequate response. So, I made a complaint to my bank. They are trying to charge me for services. I didn't use nor do I no longer want.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, Uknown Inquiries are reporting on my XXXX, XXXX, and Transunion reports. I have filed Identitytheft, and will attach FTC report. The following inquires are what needs removal. 

XXXX : XXXX - XX/XX/XXXX XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Factual Data - XX/XX/XXXX XXXX - XX/XX/XXXX Transunion : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 2022-06-09
Company: Experian Information Solutions Inc.
State: HI
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 BANK Account # 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 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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account is in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.

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 2023-03-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This complain is related to a previous one ( XXXX ) because I still have not received my money back even if CHASE has everything to do it since XX/XX/2022. 
After the last complain Chase response I contacted the bank-recepient about issuing NULL AND VOID LETTER as Chase mentioned that they don't have it. Bank-recepient responded at the end of XX/XX/2022 and issued the required latter. Since then I have not heard anything from Chase even if Chase is a same part of XXXX  organization as the bank-recepient is. So, Chase just doesn't care about its responsibilities and its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Loan XXXX XXXX XXXX and they didn't approve me. The treatment and customer service made me feel I was not a priority client. I decided to go to another bank and the property had already been appraised and logged on the FHA PortaXXXX. I paid initially XXXX dollars for said appraisal and now they will not release the appraisal to my new lender unless I paid them an additional XXXX. In order to not lose my home purchase, I sent them the additional payment in the way they specifically requested this time, a money order, when they had accepted my debit card before but wouldn't now, it had to be a money order and they still will not release the report. The Loan Originator will not answer my calls and the rest of the team communicating with new lender to facilitate transfer of FHA case REFUSES to send them the appraisal report logged on the property as well. The seller is threatening to cancel purchase at this point and I could lose my deposit because of these people 's irresponsible, unfair and illegal behavior since I was informed that if my loan didn't close with them they do not have the right to collect additional fees. I need the appraisal report I paid for at the very beginning to close my loan which is approved elsewhere and they will not give me access to it. This is unbelievable. I feel I have been taken advantage of and will end up losing the opportunity to get a home for my family. Help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: FIRST PORTFOLIO SERVICING INC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX - {$2100.00} - XX/XX/2014 {$4300.00} is the amount now and shows late payments. 

The company has this on my credit file, I never went to school or got a loan from this company. I file a police report stating I did not receive money from school and that it was identity theft. I asked for proof of debt, signature of paperwork, school attended, I have yet to receive anything showing proof. Please help resolve as the next step would be to start legal action with XXXX and XXXX reporting companies.

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 2023-01-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase has closed my personal checking account without explanation. I have been had this checking account since XXXX even before chase bought out Washington mutual and it has always been in good standing. It is my main account and it is very important to me especially I am in active XXXX XXXX XXXX for the past 4 years. On XXXX, I transferred {$20000.00} I got from selling XXXX XXXX tickets on XXXX via my chase business checking. I don't know if this has triggered the account closure but my account was close on XX/XX/XXXX. I respectfully request my checking account to be restored or at least have a chance to explain the source of the money since I have all the records of it. I really need this checking account and It is really difficult for me to open another checking account since I have two more years left on my military XXXX XXXX 

Thank you in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I contacted Honda Financial Services to get my payoff on my loan today XX/XX/2023 so I could go pay it off and talked to XXXX and she refused to give me the payoff!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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,, 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 instructions15 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 non-monetary relief
Consumer complaint received 2022-08-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Have accounts appearing on my credit report that are effecting my household negatively and i have tried to contact the company and have gotten nowhere because I do not know any details about these account, what I do know is what is listed below. The account info that is listed on my credit report is listed below. 

1 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$4000.00} balance owed {$6000.00} 2 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$3800.00} balance {$4700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
Citizens Bank withdrew {$650.00} from my checking account on XX/XX/2022 for a Federal Loan I do not have. 

The account sat at $ XXXX due to the bank withdrawing this money. 

Citizens Bank just added a {$35.00} late fee, now I'm at - {$490.00} in my bank account. 

Citizens has filed a claim but says it takes weeks to process and resolve. 

I will lose my entire paycheck this week to cover the insufficient funds - thanks to citizens.

Company response to consumer: Closed with explanation