BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: VA
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. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: NY
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:
Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
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 won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. XXXX XXXX XXXX and XXXX XXXX. Please delete these accounts 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 explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: MI
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:
Policy canceled and credit was supposed to be sent to me. Shouldn't be on my credit reports. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2022-06-23
Company: Social Finance, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new SoFi checking and savings account on XX/XX/2022, transferred {$5000.00} into the account from another bank, and set up the account to receive direct deposits. The next day, they froze my account without giving any reason, locking both the {$5000.00} I deposited and giving me no access or record of the direct deposit funds that also should have been sent to the new checking account I have tried calling their customer service fraud prevention line several times as well as reaching out to them through their XXXX account direct messages. They have been completely unresponsive providing me with no avenues to get information on the issue or resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan on my home that I own outright in XX/XX/2022 because Chase was no longer doing HELOCs.

I was told I needed to put down {$500.00} as good faith funds ( which was a struggle for me ). I was given misinformation regarding the type of home appraisal that was needed. I was told it would be a drive by, it was not. In addition, they told me I needed to make {$5000.00} worth of repairs to my home before they would approve my loan. This was not something I could afford. 

I asked them to refund my good faith funds since I was misinformed on the appraisal and was never made aware that repairs of this nature could be a possibility. They refused to give me my funds back. 

I dealt with XXXX XXXX and XXXX XXXX originally. XXXX XXXX was nice at first until I began questioning the process and brought it to a supervisor 's ( XXXX XXXX ) attention that I had been having issues. XXXX then called me out of the blue on XX/XX/XXXX and harassed me telling me that she did nothing wrong, her manager was on her side, and that even if she had done something wrong I would never get my money back. I asked for a copy of the recorded phone calls, and she refused to give them to me. 

I made Harms aware of this phone call, but I never heard back, so I contacted his supervisor, XXXX XXXX. 

XXXX was the first person to get any forward progress. He said he would get all of the sales and lending managers together on the phone to discuss the issues. By XX/XX/2022, I received a phone call and an email from XXXX stating that I would be receiving a full refund of my good faith funds within 7-10 days of him closing out my loan file. 

I thought that was that, until I didn't receive a refund or an update in almost two months time. I reached out to XXXX twice this past month and finally received an email response on XX/XX/XXXX stating that my refund was actually denied and that I wouldn't be receiving my money. 

XXXX 's supervisor, XXXX XXXX, said this was due to a " policy change '' during my application process. 

I was never made aware of this change, I was never notified that I wouldn't be receiving my money back, in fact it was the opposite. I was told I would be receiving a refund, I was given a timeline, and an apology. 

Throughout this process I have been misinformed, talked down to, harassed, ignored, and blatantly lied to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23
Company: Incomm Holdings Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/22 purchased VISA VANILLA AMOUNT TO BE ON CARD {$75.00}. XXXX XXXX XXXX XXXX  " UNACTIVATED ''. 
RETURNED TO XXXX, XXXX DIRECTS ME TO CONTACT XXXX 
THE MANAGER CALLED XXXX XXXX. CUSTOKER SERVICE. 
, I THEN HAD TO FAX COPY OF RECEIPTS AN DOCUMENT NOW THEY ARE WITH HOLDING MY FUNDS FOR 3_5 DAYS. I VANILLA VISA CARD- XXXX IS REFUSING REFUND VISA VANILLA CUSTOMER CARE IS WITHOLDING FUNDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am 100 % XXXX veteran with sole income from XXXX. My Va XXXX gets deposited into Current Bank checking ending in XXXX. On XX/XX/XXXX, I transferred {$1000.00} of my XXXX check to Navy Federal Savings account ending in XXXX. That same day Navy Federal withdrew {$790.00} to pay a charged off credit card from 10 years ago, that has since been closed and removed off my credit report. There was no warning that they were going to use those funds to pay off debt. When I informed Navy Federal that they has used my VA XXXX check I transferred to pay my rent, they informed me that they did not care that the debt was from 10 years ago and that they were not going to return the money despite me needing this VA check to pay for necessities such as housing. I have no other income. I informed them that it is illegal to collect VA XXXX to pay debt, they informed me that it came in by transfer so therefore the law didnt apply. However, it doesnt change the fact that my XXXX check was used and I informed them that I can provide proof that transfer came out of my XXXX check. This has put me in a great financial bind. The bank is not hurting financial over a {$700.00} debt from 10 years ago. However, for me it makes the difference between having a roof over my head and not. Navy federal does not care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}XXXX XXXX XXXX XXXX  XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX  XXXX XXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, and XXXX XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX  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 an 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 non-monetary relief
Consumer complaint received 2023-12-15
Company: LEXISNEXIS
State: VA
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-06-06
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased this home in XXXX, the loans I obtained were predatory loans. My 2 loans XX/XX/XXXX were " sold '' separately. After much struggles, I was able to modify my first mortgage in XXXX but due to many due to many factors, including my health, and a serious case of XXXX XXXXXXXX, loss of income, etc. I defaulted in that mortgage. 
Prior to the sale of the mortgages, I filed bankruptcy while trying to save my home and all collections stopped. Specialized Loan Servicing ( SLS ), who is the servicer for my 2d mortgage has been dormant on and off for a long time. 

Since I was not able to workout a new modification with my first mortgage, I was working on a Deed In Lieu of foreclosure. My second mortgage agreed to settle for {$3000.00}. Unfortunately, my first mortgage did not move through with the process and the Deed in lieu was cancelled. They did not contact me after that. 

Even though I still had not been able to workout anything with my first mortgage, I contacted SLS for a modification or assistance at the end of XXXX, but they denied me any type of modification and only approved me for a short sale. 

Again, after that, they were dormant for a long time, but and suddenly around XXXX this year, they sent me a letter, stating that my loan was due in full on XX/XX/XXXX. 

At this time, my situation has not changed. My first mortgage has an active foreclosure process. 

I don't have the financial means to pay this predatory loan. 
I sent them a letter and offered them the same {$3000.00} that they had accepted before in order to settle this account. 

I explained to them that at this time, I have an active foreclosure process with my first mortgage and they sent me an email with a letter saying that that they will not take less that {$45000.00} paid in full before 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 2022-06-23
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am XXXX XXXX submitting this complaint against CREDIT COLLECTION SERVICE and their is no third party involved. 

This company has violated my rights under the Privacy Act of XXXX. I HAVE A RIGHT TO PRIVACY, according to 5 U.S.C. 552a.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Resource Management Group
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past several months i've been getting calls from a company representing themselves as a debt collector for an old account that was held by XXXX XXXX XXXX, now defunct. I have no record of this debt, it also is not listed on my credit report as past due, in collections, charged off, etc. I have looked at XXXX, XXXX, and XXXX. When i contacted the collector, i was told the last date of activity was XX/XX/2014, which is within the 7 yr period for accounts to age off of my credit report if they had negative comments. Due to the age of the debt, i personally no longer have documentation of this account, although i am making attempts to find it. I am fairly certain however, the account was either, paid in full, or paid in settlement. The person i spoke with was named XXXX, and despite asking several times for the license number of RMG, since they are a debt collector, as suggested by the PA  attorney General 's office, i was told she didn't have it. The amount owed in question is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-25
Company: JPMORGAN CHASE & CO.
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:
According to the FCRA, agencies must correct or delete inaccurate, incomplete, or ( unauthorized/unverifiable hard inquiry ) XXXXXXXX XXXX XXXX XXXX  ( unauthorized/unverifiable hard inquiry ) XXXXXXXX XXXX XXXX  ( unauthorized/unverifiable hard inquiry ) XXXX JPMCB - Auto Finance ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has also violated my rights. 

They have reported different monthly terms and invalid late payments to my credit report for several months. 

I asked all 3 credit bureaus to investigate and they continued to report improperly with invalid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Approximately {$1200.00} of overdraft fees were incurred at XXXX of my last banking institutions. They claimed in a debt collection letter that they can make it problematic for me to open additional accounts at other institutions. This seems unlawful. XXXX is Frost Bank in Texas BTW.

Company response to consumer: Closed with explanation