BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: IL
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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-15
Company: SOUTHSTATE CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
We were scammed {$1400.00} when trying to buy XXXX XXXX  XXXX. We used my bank SouthState Bank and used XXXX to transfer the money. I made a claim with my bank to try to get the money back and they denied the claim. The bank said since it was peer to peer transaction that they couldnt do anything. I went through my mobile banking app to transfer the money, XXXX doesnt have a fraud department neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i am livid with you all about the disputes.. These items need to be removed. 

RE : You Violated The United States Federal Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account below.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

account : Account Name : XXXX XXXXXXXX XXXX ( ACCOUNT WAS PAID AND NEEDS TO BE REMOVED AND ACCOUNT IS 7 YEARS OLD HAS TO BE REMOVED ) Date:XXXX As a consumer by law this account must be deleted immediately. 

2.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

Account Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this ACCOUNT must be deleted immediately.

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
ACCOUNT Name : XXXX XXXX XXXX Date:XXXX As a consumer by law this account must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/XXXX i requested dispute reasons : this account needs to be removed not corrected because of 1. Date of Last Active - FCRA Violation. Creditor Reported XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. do not correct, please remove 2. Date of Last Payment - inaccurate. creditor reported to transunion my last payment was XX/XX/XXXX. please remove ( do not correct ) on my credit report. creditor monthly payment is inaccurate please remove from my credit report. XXXX shows XXXX XXXX XXXX shows XXXX XXXX creditor failed to update most recent dispute update 3. Payment History - inaccurate. Creditor reported " OK '', for XXXX, but reported 30 days late for XXXX. I previously disputed this account stating : " This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

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: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I provided my lender ( PHH Mortgage ) with my insurance information ( XXXX through XXXX ) twice via the email address that was given to submit insurance changes. This was done in XX/XX/XXXX ( when my policy was due to expire/renew ) and again in XX/XX/XXXX because XXXX said XXXX hadn't received payment yet. I also called and spoke with a representative twice to confirm I was doing the right thing. 

At the end of this year ( XXXX ) I had significant escrow shortages ( {$4200.00} ). Unbeknownst to me, PHH Mortgage just didn't make any insurance payments from my escrow account to XXXX, my insurance policy lapsed and they set me up with some lender-appointed insurance company with which I had paid over {$3000.00} in insurance premiums ( even though the " premiums '' for whatever insurance they stuck me with is only {$2500.00} ) They never reached out in regard to this new insurance, they never asked me to find different insurance, and they won't provide me with documentation on what this insurance even is! 

When I called they said " We sent a check to XXXX and they returned it to us '' When I called XXXX to confirm this, they said they never received payment and if they did, they cash all checks and send payments back to the homeowner, not the lender. PHH Mortgage is not answering questions or reimbursing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was a Bank of the West customer, which merged into BMO. I had a person XXXX me money using my mobile number. Previously I have used XXXX with another financial institution which I have not had for a year as well as with Bank of the West. When I received the XXXX payment on XX/XX/2023 at around XXXX I got a text message to enroll with XXXX through my financial institution. I went on the BMO website and enrolled with XXXX through BMO. I received an email from BMO welcoming me to XXXX. On the BMO website meanwhile I was given an error, that my phone number was previously used at another financial institution and therefore I can not use it with XXXX on BMO. I contacted BMO support they told me there is nothing they can do without previous institution releasing my phone number or " token '' from XXXX. I contacted my previous financial institution. They told me my phone number had no XXXX profile with them. They gave me XXXX 's customer service info. I contacted XXXX customer service. They told me my phone number was not associated with any kind of XXXX profile and I was free to use it with any institution I wanted. I contacted BMO again to let them know of this information. They told me there is nothing they can do, that I should register a new phone number ( I only have a single phone number ) and then have the person re-zelle me with this new telephone number. They hung up on me multiple times after I told this this was not a possible option. My transaction is now sitting in XXXX waiting to be claimed. BMO will not do anything about it, meanwhile XXXX is saying that this phone is free to be claimed.

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 2023-12-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone ordered the debit card without my permission and the card mailed out to the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX. 
Then an Unauthorized withdraw of cash {$9000.00} on checking account was occurred on XX/XX/2023 @ XXXX at chase bank located XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. The debit card never activated! 
With this BIG Amount of cash withdraw, chase bank didn't check the ID, only PIN Authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: JPMORGAN CHASE & CO.
State: WI
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:
On XX/XX/2023 I checked my credit score and was suprized to see that it dropped XXXX points. after i check out why I found out that someone applied for a credit card in my name through JPMCB Phone number XXXX XXXX XXXX XXXX, XXXX XXXX requested a copy of the application. The rep. informed me that I would get it in the mail in 2 weeks. After waiting 2 and a half weeks no application. I did call again and was told that it would take 90 days to get it mailed to me. I don't know what to do to get my credit score points back. In another week 90 days will be up and I don't expect to get a copy. No one is investagating it. XXXX points means a lot to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: CBC Companies, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all the evidence attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all the evidence attached below.

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: Upgrade, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2023 I submitted my SCRA certification to all my creditors. 
I sent the SCRA certification to Upgrade around XXXX via the written process they requested. 
I received confirmation that my SCRA was approved two-three weeks later, however, my balance and rates were not adjusted on the customer Upgrade interface. 

I contacted Upgrade 2 times. The first time I was advised to wait one billing cycle for the system to update. After the billing cycle, I was advised that the SCRA adjustments were made, however, the balance was not affected. 

Oddities : Upgrade showed my due amount for two billing cycles as {$0.00} ( XXXX and XXXX ). I was not advised if this is considered a credit per the SCRA. I still do noy know if it was. 

After submitting my SCRA, I received an email notification stating that Upgrade has adjusted my available credit in a negative manner- decrease in my credit availability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I used to have an account with Chase banking and I already closed my checking account. There were XXXX checks that were to be sent home one is the {$46.00} and the other is the {$2200.00} however I only received the one for {$46.00}. I went to several different Chase banking branches to talk with bankers and they said they werent able to release my fund and send the check home because they still need verification. Im just confused as to why theyre holding my money hostage for so long and I never had issues with other banks regarding the checks I work for XXXX  they were issued out the same way. I still have record with the pay stubs and on the official XXXX employee website they have record of each of my paycheck as well as pay stubs information there. I just want my money to be sent as I am a XXXX XXXX and the only reason I work part time is so I can support my XXXX XXXX and buying XXXX but I can not do so if Chase refuses to give me my money back which was the {$2200.00} check that was supposed to be sent home. I have tried over a month and at first they reassured me that they will send the check home but when the account were closed they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: OH
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:
The Department of Education and XXXX has violated multiple USC 's and Privacy Acts : The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

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: MARINER FINANCE, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to Mariner Finance 2 months ago requesting that the following account be removed from my credit report due to incorrect reporting. Per my dispute letter sent XX/XX/23, under 15 U.S. Code 1681b Permissible purposes of consumer reports, I XXXX XXXX, never gave you any written consent to report anything on my consumer report. I also sent a letter dated XX/XX/2023 informing you that the account is reporting inaccurately. You are furnishing different dates for the open date, date last updated, and different high balances. I am fully aware that this is a violation of the FCRA, and I am liable for monetary compensation. I am requesting that the account XXXX is removed from my credit report immediately. Please see the attached dispute letter that is dated, and time stamped for your reference. Failure to address this matter promptly will leave me with no choice but to pursue legal action, filing a statement of claim against Mariner Finance for clear and apparent negligence, FCRA violations, and the XXXX XXXX caused by the serious financial problems and distress resulting from these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
2018  We started to fall behind on our mortgage payments. We applied for a loan modification at least once, before trying to apply for it at least twice before and while foreclosure started on our home. We were denied modification or any kind of help to save our home. We were desperate with XXXX  kids and going through foreclosure. We ended up in foreclosure. We ended up having to rent a home for double what our mortgage was. We changed jobs, had to change our kids schools and it made us struggle even more financially. I would love to find out if we are entitled to any kind of settlement. We have wanted nothing more that being able to own our own home again.

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 2023-12-16
Company: Block, Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My debit card was hacked with someone attempting multiple {$100.00}, then {$90.00}, then {$20.00}, then {$5.00} withdrawals on CashApp on XXXX. I didn't request a CashApp account. My credit union, XXXX XXXX, alerted me to the fraudulent activity. Today, XXXX, I received a XXXX XXXX from CashApp. I tried to call to talk to support, was told all advocated were busy and asked if I wanted a callback. I missed the callback and have been unsuccessful at reaching the company subsequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Transform Credit Inc.
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2023, I applied for a loan for {$6000.00} with Transform Credit Inc . I was told I was denied the loan so i responded to the denial asking them to retract my application. The company stated that the application was canceled, which I am aware can not happen after they placed a signature on the Note. After i informed them that I wanted my application back, they continued to state that the application was canceled and there was no signature so it wasnt anything they could do other than cancel the application. I informed them that they were committing securities fraud and are obligated to disburse funds due to the signature being on the Note and having access to my securities. They have yet to disburse funds and have not responded to my last email. Im not sure whether or not they are aware that they have sent me a copy of the promissory note and it clearly states " signature of borrower '' with my name beside it. They have not sent any funds to my account as they were supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Professional Debt Mediation, Inc.
State: MN
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIRD TIME, READ, NO LONGER BEING PATIENT. YOU HAVE THE LAST FOUR OF MY SOCIAL SECURITY NUMBER. THE DEBT ALSO HAS THE LAST FOUR OF MY SOCIAL SECURITY NUMBER. YOU CAN VERIFY THE DEBT, YOU ARE BEING BLATANTLY XXXX, ABLEIST, IGNORANT, AND NON COMPLIANT. MY NAME WAS UPDATED OVER A YEAR AGO WITH THE IRS, DO YOUR JOB AND LOOK AT THE NUMBER TO MATCH THE DEBT, IF YOU ARE A REAL DEBT COLLECTOR AT ALL. FOLLOW THE LAW, STOP TRYING TO COLLECT FROM AND HARRASS A XXXX  XXXX SSI RECIPIENT. CEASE AND DESIST. I REPEAT, CEASE AND DESIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The Bank of America closed my account in the beginning of XXXX, 2023. Monies were withheld/frozen. In a letter the bank indicated they would be mailed to me. I have called the bank several times requesting the status. At times they have indicated the funds would be returned And other times not. During the last communication they indicated the funds were frozen and they would not be released. They indicated I should contact the source that Issued the monies to the bank to have the monies returned to the source.I have not received the money.

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