BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-02
Company: EQUIFAX, 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 originally started the dispute on some accounts that are negative on my report in XX/XX/2018. I disputed these Mark 's because they contained incorrect information when referencing dates and the fact that, while it was necessary who recieved services, it is not my bill. I say this because I am a XXXX   XXXX survivor and had been XXXX 6 times when emergency services had me XXXX XXXX to the nearest trauma center. The defendant XXXX XXXX XXXX XXXX XXXX plead guilty to the offense XX/XX/2018. Upon my dispute, both XXXX and Equifax were timely in their investigations and its conclusion. Both of which, followed through with my dispute by removal of them from my report. However, weeks later, Equifax then put that negative remark BACK on my report AND under a different name so that its having a greater effect. When I say contacted them, they're reasoning is over identity purposes. They're claiming that cant prove that I am me who made my dispute. When attempting to do correct this, they commended to ask me extremely vague questions that were so broad and long that there were actually any one of a number of answers that could be given and be correct and/or incorrect. No one bothered to ask or tell me what else I might could do. Meanwhile the negative remark is still very much there and causing me issue with my personal finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Dovenmuehle Mortgage, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an approved forebearance for Covid 19. Every month without fail I am bothered my XXXX  loss department trying to collect debt. Even though their notes show the forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I BOUGHT A PERSONAL HOME XXXX. XXXX I GOT MARRIED WHILE ON HONEYMOON THE HOUSE FLOODED DUE TO PLUMBING ISSUES. TWO LATER WHILE WE ARE YET TO RESOLVE THE PLUMBING ISSUES THE HOUSE CAUGHT FIRE AND THE INTERIOR GOT BURNT. THE INSURANCE GAVE OUT MONEY FOR REPAIRS BUT THE HOMEOWNERS ASSOCIATION HELD UNTO IT. THEY REFUSE TO RELEASE THE MONEY. I NEVER RECEIVE THE MONEY THE HOME WAS INHABITABLE I WAS GORCE TO RELOCATE TO XXXX XXXX WHERE MY HUSBAND WAS AND WAS TRAVELLING TO XXXX  TO WORK, ALL OF THIS HAPPENS BETWEEN XXXX XXXX TO XX/XX/XXXX, I WAS TRYING TO PURCHASE A HOUSE AND I WAS TOLD THAT BANK OF AMERICA HAVE A FORCLOSURE ME IN XXXX. BUT THE WHOLE THING HAPPEN XXXX, AS AT XXXX WITH ALLSO THE SITUATION I WAS NO MORE RESIDING THERE I WONDER WHY THE BANK WILL HAVE THIS ON MY REPORT, THE HOUSE WAS ALREADY DESTROYED BY FLOOD AND FIRE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: PENTAGON FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 2020-01-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
nissan is reporting an account 30 days late on my report when i dont have the car in my possession

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Malen & Associates, p.c.
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:
I spoke to Malen & Associates for my XXXX XXXX credit account that I have court payment agreement to pay {$40.00} a month. The lawyer at Malen received a prior complaint, however, he wasn't willing to negotiate removal of the charge-off. I have a payment agreement and I want my credit report to show I'm paying the debt and its no longer a charge-off. He refused. 

In all fairness, I am doing my part to rectify the payment of the debt. However, as a consumer, I want my credit report to reflect accuracy. ITS NO LONGER A CHARGE-OFF. Stop denying me my right to a fair report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX XXXX XXXX XXXX ( 5 hours ago ) to XXXX  NOW SEE HERE!!! 
You have led me to believe I can send money but you won't allow me to. 
When I go into a WU Store, the XXXX  are lined up, NO QUESTIONS ASKED!!! 
But, because I am a XXXX with a wife to be in an other country, you won't let me send her money. 
Did you not know that XXXX XXXX ' First Mate was a XXXX? 
Or some of our Founding Fathers including Washington, Jefferson, and Franklin to name a few read the XXXX? 
Maybe you did not know that there is a passage from the XXXX inscribed on the wall behind the Supreme Court Justices. 

Western Union needs to cease and desist these Prejudiced Practices that are in fact illegal. I am ashamed to say that I am a born and bred American because of people like you. 
You turn my stomach, you need to be put out of business. There is plenty of competition that is not XXXX like your company is. 

SHAME on YOU and THIS ONCE GREAT AMERICAN INSTITUTION!!! 

Peace, Love, Recycle, XXXX XXXX XXXX XXXX Western Union for no cause or reason is denying me service. They have refused to tell me why. I have politely asked for a letter explaining why I am being denied service for my attorney, and Western Union has refused! 
I am being denied service because I am a XXXX and Proud of it. That is the only reason. No law enforcement agency has contacted me, so therefore, I have done nothing wrong. The FBI, CIA, INTERPOL, PASP, HOMELAND SECURITY, or other agencies I am not aware of should be beating a path to my door if I have broken any laws. But, not one of these Federal or State agencies has investigated me, asked me any questions or anything else which proves beyond a reasonable doubt that Western Union is illegally discriminating against me.

Now I respectfully demand this practice to cease and desist.

Thank you very much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: ERC
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Account was previously deleted from credit reports. Then recently re-inserted. The account has also been re-aged. I was never notified

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was granted XXXX XXXX fees up to {$100.00} credit and I have renewed my XXXX XXXX membership as it will expire soon. Representative says I have to wait till XXXX, which does not make any sense whatsoever as my XXXX XXXX expires in XXXX. This forces the customer to pay out of pocket ahead of time to avoid getting a fee credit. Very discieving in terms of how the program works and doesn't benefit the member customer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: ALLY FINANCIAL 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: Public record information inaccurate

Complaint:
On XX/XX/2006 me and my wife got a Home Equity Line of Credit from XXXX XXXX XXXX. for XXXX. Than that following month we asked for an increase of another XXXX and we got it on XX/XX/2006 so a new loan number was generated for a total of XXXX. Since than I have settled this debt with XXXX XXXX XXXX. and received Full Reconveyance on XXXX. The first HELOC loan was never given Full Reconveyance for the XXXX since this loan was an increase XXXX XXXX should have closed the first loan account as it generated the other loan account. XXXX XXXX XXXX XXXX. operates as a subsidiary of Ally Financial Inc . I have both loan numbers, the Full Reconveyance on the XXXX and a Title Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
PORTFOLIO RECOVERY AGRESSIVELY AND IN A VERY INSULTING MATTER ATTEMPTING TO COLLECT ON THE DEBT THAT I DO NOT OWE. I HAVE PAID THIS ACCOUNT OFF WITH XXXX BEFORE IT WENT INTO COLLECTIONS HOWEVER THEY ARE ATTEMPTING TO COLLECT, DISREGARDING MY NUMEROUS REQUESTS TO VALIDATE THIS ACCOUNT AND PROVING TO ME THAT THEY HAVE THE RIGHT PERSON AND RIGHT ACCOUNT. I KEEP GETTING AUTO/COMPUTER GENERATED LETTERS ONE AFTER ANOTHER, CALLS AND INAPPROPRIATE LANGUAGE IS BEING USED. I HAVE SENT THEM PROOF OF PAYMENT OF THIS ACCOUNT TO XXXX WHICH WAS IGNORED, AND I SENT THEM CEASE AND DESIST REQUEST TWICE WHICH WAS ALSO INGNORED. THIS IS UNACCEPTABLE AND MUST BE STOPPED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX different times I deposited checks for chase. XXXX I went into their location and deposited a large check. They played games and refused to give me even a penny of it. Reading prewritten statements. After XXXX days of fighting them and them admitting they were violating the expedited funds act, my lawyer and I conferenced and they released the entire amount. 

Now on Friday XX/XX/XXXX I deposited a check from my OWN XXXX account into theirs on their app. I got a notice saying it was being placed on hold. I called on XXXX and was told it was not on hold just pending. Then today XXXX  it says all XXXX is on hold not a penny available. Its a check from myself at XXXX XXXX myself. I called and got transferred and after XXXX mins I got disconnect. I called again and after XXXX hours on hold I got a person. Who read me the same blanket statements about deposit holds. He refused to remove it and blamed XXXX. I told him several times its a check from myself to myself. He blamed XXXX and wouldn't take off the hold. I asked for his supervisor. They never counter when I ask why they are violating the XXXX they just read the same statement. I asked why not even a penny was available and they said its all on hold. I recorded their phone call because they are shady. 

XXXX who told me him not allowed to record the calls but they can which seems like a violation of some law. He also admitted on video that his bank is violating the laws regarding deposits. He said that its their policy and he has to abide by it. He was making a request for someone else to call me back about it. I read off the XXXX reasons they can hold it past XXXX  days to him on video. None of those apply, new account, over drafts, emergency bank matters, reasonable cause, and checks greater the XXXX. 


They are so bad once this check clears I'm closing my account. They are not XXXX  accredited so that doesn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-22
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been trying to apply for auto loans thinking I would be sorting through a bunch of offers deciding on the best  one. For days I kept getting rejection notices. Finally, one of those gave a reason ... my credit score  is over  XXXX  points lower than it should be. I immediately applied for a credit report. After analyzing the report I found an old  XXXX  account that has been trying to collect {$120.00} that was paid years ago. For the past 3 years they have been reporting to my credit report that I am delinquent on it without any notification to me. I no longer have any record of this payment since this is from 3 years ago. I have spent hours on the phone with  XXXX  and they keep giving me the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, 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:
I do not recognize these inquiries as shown on my XXXX report. 

1. XXXX XXXX inquired XXXX XXXX 2. XXXX inquired XX/XX/2022 3.XXXX inquired XX/XX/2022 XXXX. XXXX XXXX XXXX inquired XX/XX/2022 XXXX. XXXX XXXX inquired XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Among all of the issues I had with our mortgage broker and being harassed, the XXXX issue that I am infuriated with is not being provided with our loan estimate details at any point during the loan process after we submitted our mortgage loan application and had to come up with a large sum of money 3 days before out closing. I was informed, later that the loan estimates should have been provided to us within 3 business days of submitting the application. We met with our broker on XXXX/XXXX/16, he wrote down figures on a blank sheet of paper, we signed some forms and met at my workplace the following week to provide additional requested documents to my broker, he told us to date all of the documents XXXX/XXXX/16 as that is the dare that we met. I followed up via email the following week and the broker confirmed the application was submitted on XXXX/XXXX/16 yet when I submitted my complaint to my bank, they are claiming that I received the loan estimates and provided me with a copy ( first time I saw this ) which was dated on XXXX/XXXX/16. I am confused how the loan details were already " generated '' before the loan application was submitted, why the broker scratched everything down on a piece of paper if the document was already created, why this document was never emailed, mailed or delivered to us in any manner at any point and I am now convinced that this was something was not just overlooked but was falsified. I was unaware that we were supposed to receive this document until I was reviewing our closing disclosure- and questioned the required funds with the broker and my attorney because it stated we needed to come with several thousands of dollars within 3 days. If I would have received the loan details within the 3 business days of submitting our application as mandated, then I would not have become stick, have XXXX, needed to scramble for answers regarding the discrepancy and for additional funds. Additional, I was later harassed by the broker and then he told me his job was in jeopardy- why would he state this if he did nothing wrong? We received our loan commitment, clear to close, closing disclosure and other documents however not the loan estimates " conveniently '' were never sent to us at any point.

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 2020-08-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
After placing an online order using a debit card, an online vendor continued to charge my card periodically anauthorized amounts for which no service or good was delivered. This was despite the fact that the account number and pin changed, Huntington continued to allow this vendor to directly debit my checking account. 
I submitted a dispute XX/XX/20 for the {$890.00} that was stolen in this manner, and initially was credited most of the money back. XX/XX/20 Huntington sent me a note reversing this decision stating that I had not provided requested documentation. No documentation had been requested. When I called today XX/XX/20 I was told that the dispute was denied because the charges were more than 60 days old ( despite the fact that some were recent ). I was told I could resubmit them but they would be denied. 
What is infuriating is that when I initially filed my dispute the representative was apologetic and confirmed that the charges should not have processed, but once the claim was denied the service team became hostile and combative.

Company response to consumer: Closed with monetary relief