BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-01
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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX US DEPT ED Account XXXX : XXXX CONNS Account Number : XXXX U S DEPT OF ED/XXXX Account Number : XXXX U S DEPT OF ED/XXXX  Account Number : XXXX U S DEPT OF ED/XXXX  Account Number : XXXX* U S DEPT OF EDXXXXXXXX  Account Number : XXXX U S DEPT OF ED/XXXX  Account Number : XXXX U S DEPT OF ED/GSLXXXX  Account Number : XXXX U S DEPT OF ED/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 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 explanation
Consumer complaint received 2023-07-11
Company: REGIONS FINANCIAL CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
We took out a closed end line of credit to do a leak problem in our basement. The total amount of the loan was {$5000.00} which we used all of it. We made an early payment of {$100.00} before we had to make any payments and EnerbankUSA applied it to interest only and not the principal. When I called the company they said that they apply payments to interest only during the draw period. There isn't a draw period since we used the money in total and didn't take out anymore that what we needed. According to EnerbankUSA all our payments will be applied to interest until the interest is paid and then it will start to apply to principal. Nothing in my not indicates this is the case. Item XXXX XXXX Installment loan states " The outstanding loan balance when the line of credit closes will become a fixed rate installment loan.

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 2023-06-23
Company: General Motors Financial Company, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-07-11
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage with Huntington Bank in XXXXXXXX XXXX XXXX and was denied because of my debt ratio, so I was told. Im concerned about that decision now because I witnessed a couple of commercials Huntington released to the public. One commercial had an XXXXXXXX XXXX woman and a XXXXXXXX XXXX  banker discussing her mortgage possibilities, the lady stated that her banker told her that anything is possible when it came to her chances of getting a mortgage with Huntington. The other commercial had two XXXX ladies and there XXXX  banker, and he helped them secure the funding that was needed for there business. Im definitely basing my mortgage decision based on the release of these two commercials, Huntington contacted me and said they will forward my information to the appropriate department and address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
capital one closed my platinum card without explaining to me why. i notified them of charges being placed on my account by someone other than myself and the next day i logged into my account and the card was closed. i called and got hung up no explanation nor did they attempt to provide me a solution or a different card to replace closing mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
While I was on a 2 week XXXX my rental car was broken into and my personal bag containing my wallet, keys, etc. was stolen out so I called the police and and a police report was done. When I returned back to XXXX, Texas I worked with the GM of chase Bank near me and we have both faxed documents that the fraud department asked for and we received confirmation that they got those said documents and when we call for an update they have told us both that they don't have the documents and this is even after we both have sent the documents multiple times. Now they are still denying the claim stating that the documents that they asked us to send them is still not sufficient enough proof and to send any other documents I may have. It doesn't make sense to me how it's not sufficient enough proof when I have provided the axact paperwork that they have asked for.. They credit my account then took everything back and the GM is telling me that he has done everything in his power because we have spoken with supervisors and everything and had each document described to them to make sure it's what they needed and we faxed it and they told us the credit would be back in my account in less than 10 days and they keep denying the claims saying that each transaction was authorized and there are no errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
l asked the credit bureau to do a verification of my credit report of identify theft and they stated everything was accurate, but I did my own thorough research myself, and found improper inaccuracies on the credit report even after they did the research. XXXX XXXX XXXX. Complaint ID : XXXX XXXX Midland Credit Management. Complaint ID : XXXX In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying since XX/XX/2023 to apply for a loan modification with my loan servicing company ( Mr. Cooper ) and they keep asking me for documentation. I upload the documents requested and then the company rejects the document ( s ) saying they have a question about the document I uploaded. I call the company and ask the Loss Mitigation representative why the document was rejected and receive a different explanation from the different representatives every time I call. I have emailed them letters of explanations to explain the documents as they suggest and they are still rejected. The other issue I am having is that in the past I have completed and uploaded a Loan Modification Application they send to me. Now all of sudden they are asking me to complete a different Loan Modification Application and when I asked why it's a different document they can't explain why. The application they want me to complete and upload is for a government loan ( my note is being held by a private investor ). One representative told me it was the wrong form and that they would send me the correct form and when I receive the form it's the application is for a government loan. In the latest correspondence from the company, the letter stated that as of XX/XX/2023 foreclosure proceedings had not started. On XX/XX/2023 I received a phone call from a complete stranger telling me my property was scheduled for foreclosure on XX/XX/2023. I was shocked. I immediately called the Mr. Cooper and they told me to upload my documents. Again the load modification application is for a government loan. I am extremely both mentally and physically stressed from what I am going through with Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: DISCOVER BANK
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been using the Discover It cashback card for over a year now. I and my friend got it almost at the same time. He recently told me that he received a retention offer from Discover : 3 % additional cashback on all purchases upto {$2500.00}. I asked him how he got it and he explained the process in detail. I called in Disccover customer service to check if I have similar offers but the representative said I dont have any offers on my card. I requested if there is lower valued offer available but she confirmed I have none. I told her that I have used the card responsibly in the past one year, I have used the card so much that I had maximised all the 5 % rotating cashback categories and aim to keep using the card. I have been a loyal member of the card by making no late or missed payments. My friend on the other hand uses the card less than what I do and has a lesser accumulated cashback than I do. The representative was apathetic and reluctant to listen and didnt give any offers to me. 

Not only this, my friend also got targeted offers from Discover during the first year .. a cashback offer on XXXX and another elevated cashback offer on restaurants. But I never receive such offers. 

The above incidents clearly represent motivated hate against me resulting in disproportionate discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was checking my account and noticed a charge on XX/XX/XXXX in the amount of {$440.00} from a debit card I dd not recognize and from Florida. I called to dispute the charge only to find out that it was made by a card assigned to my ex wife, who was removed from my account on XX/XX/XXXX. While they filed a claim to have the funds back into my account, no one can tell me : 1. How a card assigned to her was able to access my funds given that she was removed from my account?

2. How she could get a card with access to my funds given that she was not an authorized user on my account?

3. No one could assure me that this would not happen again.

4. Chase is now denying my claim to have the fraudulent withdrawal of funds added back to my account I have contacted Chase Customer service who denied the claim and the Executive Office who have been non respondent after initially acknowledging receipt of my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXX/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 2022-12-14
Company: DISCOVER BANK
State: IN
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: Billing dispute for services

Complaint:
I was scammed, by an individual, who also scammed, many more people! The Dept of Defense, Attorney General 's office, is investigating! 
Discover Card and XXXX XXXX, allowed me to exceed, my credit limit, of {$11000.00} and {$7000.00}, respectively. 
A checking account, was issued by XXXX XXXX without, my name on a signature card! XXXX XXXXXXXX XXXX, allowed me, to take out {$15000.00}, no questions asked! 
I am being sued by Discover Card! My local FBI, didn't do anything about this, including the name, of the scammer! I have been let down, by law enforcement! I need some help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
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:
This is another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 response to consumer: Closed with explanation