BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In my credit report from TransUnion, there are two hard inquiries. One is from " XXXX '' on XX/XX/2018 and one is from " XXXX '' on XX/XX/2018. I called TransUnion and they told me they were the same thing and " XXXX '' is just an acronym for " XXXX. '' TransUnion stated that I call the XXXX XXXX and get a letter stating I only have one account with them, in order for them to dispute/remove this hard inquiry. XXXX XXXX  confirmed by multiple representatives stating that I only have one account with them. I don't know why there would be two hard inquiries from TransUnion.

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 2018-05-15
Company: EQUIFAX, INC.
State: VA
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:
Several accounts listed on my report that were not mine. Several dilequencies also reported that were not mine. Personal/private information has been compromised. Contacted Bureaus letting them know of fraudulent activity over 1 year ago when it was detected XX/XX/2016. Several accounts have still not been resolved. Still affecting my credit score/report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
They have declined to put me under the SCRA law. All of my other credit cards did not hesitate to give me this right as a servicemember to be charged less than 6 % interest. My complaint is that JPMORGAN Chase only seeks financial gain without even trying to help their service members. I am XXXX XXXX and I requesting to have a low percent rate from Chase, as required by law. With numerous attempts to get a lower interest rate, Chase continues to decline my right. This is my last resort before I take them to court with other servicemembers and we will all seek our benefits and rights. They keep charging me stacked on interest even if I don't use my credit card! This is highly illegal. Chase is doing a lot of things not the legal way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have on my credit report XXXX fraudulent hard inquiries in my name from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent accounts in the sum of {$4200.00} open XX/XX/XXXX. XXXX  XXXX have XXXX fraudulent accounts in the sum of {$1400.00} open XXXX/XXXXXXXX XXXX XXXX XXXX  have XXXX fraudulent account in the sum of {$830.00} open XX/XX/XXXXXXXX XXXX have XXXX fraudulent account in the sum of {$300.00} open XX/XX/XXXX. I have written and called experian, XXXX, XXXX about 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 2022-03-03
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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
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:
When l checked my XXXX Credit Report l realized that ; MUFG UNION BK/XXXX made a hard inquiry on XX/XX/2018 which l have no idea.

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 2018-05-07
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
TD Bank adjusted account to bill for paper statement fees without my consent. I contacted the bank multiple times via secure online messaging, customer service telephone and certified letter to branch location. I directed TD Bank staff members to refund all unauthorized fees, close my account and mail a check to the address listed on the account. TD Bank failed to close the account as directed and continued to bill for paper statement fees. After a third certified letter to the branch office, the bank did mail a check for the remaining account balance, but failed to close the account and only refund one of several dozen paper statement fees. 

Today the account remains open and TD Bank continues to bill for overdraft fees without my consent. In a letter dated XXXX XX/XX/2018 TD Bank Senior Vice President XXXX. XXXX promises that my account will be referred for further collection action if additional deposits are not made to clear the overdraft. 

TD Bank Branch Location : TD Bank XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I reported fraud for $ XXXX worth of transactions. They said it was me even though I dont know these merchants or live in the country the transactions were made in.

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 2018-03-28
Company: PHH Mortgage Services Corporation
State: NJ
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:
PHH Mortgage Service with account number XXXX  is reporting my account on XXXX  as Foreclosure proceedings started as of XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

But then they also list the account as 180 days past due as of XX/XX/XXXXXX/XX/XXXX6, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX toXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to XX/XX/XXXX

This is not accurate. They are listing foreclosure proceedings and then 180 days late in the same months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Hello Due to covid 19 I lost my job XX/XX/2020, I applied for unemployment benefit and was approved, I was told that they will send me a bank of America card within couple of weeks, I patiently was waiting until XX/XX/2020 until I called the unemployment department and I was told that they already sent my card so they refered me to bank of America to see why it was delayed, I called bank of America on XX/XX/XXXX to see why is the delay only to find out that they already sent it even though I never received nothing from them and on top of that the card been used and activated without need of pin code and was charged over 12000 dollars from my money : ( B.O.A stopped the card and send me a new card with no money and they say they will open investigations with all the charges until now I still didn't get my stolen money I filed a police report in XXXX county sheriff department in California XX/XX/XXXX the 2020 report # XXXX I opened a claim with bank of America # XXXX XXXX XXXX XXXX on XX/XX/XXXX haven't heard nothing yet I ve been waiting patiently for my unemployment benefits to pay my mortgage and now I am still waiting for bank of America to pay me back since they compromised my card i need some help and attention since I haven't got paid since XXXX of 2020 My name is XXXX XXXX XXXX phone number 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 monetary relief
Consumer complaint received 2022-08-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My principal went below the 80 % threshold to have the PMI removed several months ago. I have given XXXX Mortgage everything required per my closing documents : PMI will only be canceled if all the following conditions are satisfied : 1. you submit a written request for cancellation ; 2. you have a good payment history ; 3. you are current on the payments required by your loan ; and 4. we receive, if requested and at your expense, evidence satisfactory to the holder of your loan that the value of the property has not declined below its original value, and certification that there are no subordinate liens on the property. 
A " good payment history '' means no payments 60 or more days past due within two years and no payments 30 or more days past due within one year of the later of ( a ) the cancellation date, or ( b ) the date you submit a request for cancellation. 

It was also supposed to be automatically removed on XX/XX/22 per my closing documents : Borrower Requested Cancellation of PMI You have the right to request that PMI be canceled on or after the following dates : 1. The date the principal balance of your loan is first scheduled to reach 80 % of the original value of the property. This date is XX/XX/22. For balloon loans with a fixed interest rate and no conditional right to refinance, if applicable, this date may not be reached before the loan matures.

2. The date the principal balance actually reaches 80 % of the original value of the property. 

I had made additional principal payments that brought me below 80 % I believe in XXXX of this year. 

They made me pay for an appraisal even though their own website valued my property over {$650000.00} and all the value needed to be was {$450000.00}. For the last 4 months they have been telling me it is in their PMI department and would be resolved soon. I have tried esclesiting it but no one will or can approve this even though it should be automatic at this point. They continue to charge me each month for insurance that is not 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 explanation
Consumer complaint received 2017-04-14
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am contacting you for your assistance with a problem I am facing with XXXX/Navient. I qualify for the full {$17000.00} teacher loan forgiveness toward my student loans. I have worked in a qualifying school district in Special Education for the required amount of time to receive this forgiveness. 
In XX/XX/XXXX, I applied for {$5000.00} loan forgiveness for my years teaching in a qualified district. The first form I sent in was returned to me several months later denied. I sent another form in to XXXX and it too was denied. During this time, XXXX reported me to credit agencies as having not made a payment in over XXXX years. Immediately, my credit was ruined. My insurance premiums went up, my credit cards lowered my limits, and halted my home refinance plans. I contacted an ombudsman to handle my complaints against XXXX. Because I had retained all the information XXXX had sent me over the years, I was able to prove my loans were not in default, and the ombudsman made XXXX retract the information they sent to the credit agencies. It took me several years to build my credit back to my previous score. The ombudsman also offered to send my third application in for me, and this time it was accepted, and I received {$5000.00} in teacher loan forgiveness. It took over a year and an ombudsman 's help for XXXX to approve my application. The ombudsman told me if I worked in a Special XXXX classroom for XXXX more years, I would be eligible for the remaining {$12000.00} in loan forgiveness. 
Last fall, I applied for the rest of my teacher loan forgiveness. It was returned to me with XXXX reasons why I am not eligible. I contacted another ombudsman to assist me with the application, and was informed they no longer help in that area. My district completed a new application, and on XXXX I sent it to Navient along with my rebuttal for each of the XXXX denial reasons. I received an email XX/XX/XXXX, stating my application was received, but I have heard nothing since and they are continuing to collect interest. A copy of the email is attached. 
Navient has made it almost impossible to receive teacher loan forgiveness. By denying forgiveness and dragging the process out over months and years, they are ensuring they can collect interest for longer periods. 
I would appreciate any assistance or advice to help expedite this process. I am sending a copy of my second application, their denial letter, my response, and the letter from XXXX in XX/XX/XXXX announcing I was eligible for the {$5000.00} forgiveness. 
Thank you so much,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: CITIBANK, N.A.
State: PA
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:
I have Citibank credit cards for more than 9 years! I did not have ANY OUTSTANDING balance. I NEVER paid late and I NEVER paid any interest!. My crediting score is XXXX! 

The Citibank simply closes my Citibank credit card without EVEN ANY intimation! I am very puzzled as well on my abrupt and sudden closure of my Citibank card by Citibank!! Citibank did not even INFORM me as the customer of Citibank that they are going to close my account!! 

This uncivilized act by Citibank is absolutely UNACCEPTABLE!! 

Is Citibank simply desperate to EXTRACT interest from their customers and make money? If their intent as well as interest is NOT met then they simply conduct this kind of uncivilized act?? 

Please HELP! 
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 explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX 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 account without my written instructions 15 U.S.C 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-08-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am trying to recover the rest of my money that has been transferred and embezzled out of my Wells Fargo business account. The embezzler was paying off a fraudulent credit card by using said account, completely unauthorized to do so. This has been an ongoing battle for around 2 years with no satisfaction and am only ever told it is under review. My business account has been previously closed XXXX times due to fraud performed internally. Now, this time, it has been by my previous employee. 
I have made numerous attempts on many occasions to be reimbursed. It is obvious, by all records concerned XXXX even including an admittance letter of fraud from Wells Fargo XXXX that this was embezzlement and has put me in financial hardships, caused immense mental anguish, as well as almost put me out of business. I have tried to speak with someone from Wells Fargo on countless occasions to resolve this issue to no avail and have even employed a lawyer to send a demand letter requesting reimbursement. I do not want to go to the expense of filing a law suit unless it is absolutely necessary. 
Any and all help would be greatly appreciated. 

Payment of {$1200.00} on XXXX XXXX, XXXX. 
Payment of {$1700.00} on XXXX XXXX, XXXX. 
Payment of {$1600.00} on XXXX XXXX, XXXX. 
Payment of {$750.00} on XXXX XXXX, XXXX. 
Payment of {$950.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1900.00} on XXXX XXXX, XXXX. 
Payment of {$2100.00} on XXXX XXXX, XXXX. 
Payment of {$3200.00} on XXXX XXXX, XXXX. 
Payment of {$2100.00} on XXXX XXXX, XXXX. 
Payment of {$2100.00} on XXXX XXXX, XXXX. 
Payment of {$2000.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1800.00} on XXXX XXXX, XXXX. 
Payment of {$2500.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$2800.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1300.00} on 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 explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: MO
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OAG child support Enforcement # XXXX / # XXXX / # XXXX Missouri Div Child # 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 explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: MO
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OAG child support Enforcement # XXXX / # XXXX / # XXXX Missouri Div Child # XXXX / # XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation