BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: JPMORGAN CHASE & CO.
State: TX
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:
XX/XX/2018 XXXX XXXX XXXX submitted a hard credit inquiry. 

I did not give Chase permission to do a hard credit inquiry. I was considering a home equity line of credit and decided not to pursue it ; therefore, I never filed or signed anything agreeing to let them pull credit. 

This should be removed from my hard credit inquiries. 

There were no signed contracts or agreements for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
Our family left the country for two months XXXX XXXX, XXXX XXXX XXXX, XXXX ). I contacted Bank of America beforehand per telephone telling of our intentions and made on XXXX XXXX, XXXX a payment and explained to them this was specifically to cover any amounts due until our return this date, XXXX XXXX. On XXXX XXXX, XXXX our credit card quit working. I called the bank and after 30 minutes hold time I was told I would be charged late fees and penalties. ( total amounts yet unknown ). I feel these penalties are unjust & fraudulent as they were informed beforehand I would be out of reach to contact or make payments ( the {$2000.00} prepayment ). The penalties will reflect that I paid my bills late affecting my flawless credit as well as I feel the unjust fees. This I feel 100 % the fault of the Bank of America and ask for any assistance in resolving this dispute. I feel as this bank is falsely charging penalties causing myself and my family undue duress.

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 2020-04-09
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2022-05-06
Company: Experian Information Solutions Inc.
State: GA
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:
. To Whom It May Concern Experian has been sent letters 3 letters since XX/XX/2022. They continue to keep false information on my credit report. My report is beyond inaccurate. It bothers me that every month this still is happening month after month. The following issues still have not been addressed. I have names, addresses, hard inquiries, and collections on my credit report that continue to update. Now I see 2 new inquiries, and nothing is being done. I do not have any credit cards now but one card. Yet I have 11 hard inquiries that have been reported on my credit profile. 

My name is XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Collections : XXXX XXXX XXXX ( no verifed proof ) The above and address should be the only ones on my credit report. Yet when I send certified letters to them, they come back as verified. How was this information verified? There was no letter sent to me in the mail as I requested on how they verified this information. The false information that they continue to report is damaging to my credit profile. I want this information deleted 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 non-monetary relief
Consumer complaint received 2017-05-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Experian is reporting information on my credit report that I requested to be validated. I mailed a letter of dispute on   XXXX   XXXX  n regards to an account, Timepayment, which is reported on my credit report. Experian sent me a letter informing me that the account was verified. I wrote another letter of dispute on   XXXX   requesting proof of the validation of this account. Experian then sent me a letter informing me that they will not reinvestigate this information again unless I send them additional information to support my claim.   
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to request that the Experian disclose to me all of the documents that they have recorded and reta  ined in their file at the time of my request concerning the accounts that they are reporting in my credit report.   According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if they do not investigate AND respond, Experian must delete the disputed information from its files.
I only wanted to see proof of the validation of this account. I can only assume that there was no investigation into the matter being that there was no evidence was given to me about this account. By publishing these inaccurate and unverified items on my credit reports and distributing them to 3rd parties, Experian is damaging my reputation and credit worthiness.

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 2022-05-06
Company: EQUIFAX, INC.
State: TN
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 recently filed a letter addressing erroneous and inaccurate accounts that I have disputed and that can be seen in my credit file, and I am disappointed that they are still there. I do not verify such accounts, which is a violation of US Code 1681 Accuracy and Fairness in Credit Reporting, which is part of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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 following has violated my rights. 
XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 following has violated my rights. 
XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-06
Company: Experian Information Solutions Inc.
State: TN
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:
INFORMATION WAS LISTED ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION AND NEEDS TO BE REMOVE

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 2015-10-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, My name is XXXX XXXX XXXXMy problem has been going on for sometime. XX/XX/XXXX to be exact my orginal loan was with XXXX, then XXXX XXXX XXXX, and it is presently with HBC and is being serviced by Select Portfolio Servicing Inc, at XXXXXXXXXXXX XXXX XXXX XXXX, the person I am talking with has changed from a man to a woman named XXXX who is the new : XXXXXXXXXXXX My loan number is : XXXX. My address is XXXX XXXX XXXX XXXX, XXXX Or. XXXX, my phone is # is XXXX XXXX XXXX, my email is XXXXXXXXXXXX I have sumbitted the requested documents over and over again for home retention modification. I have participated in foreclosure mediation a year ago. The process was a sham. I have a XXXX in XXXX and XXXX in XXXX XXXX. I took the training for XXXX and observed the process of creating XXXX program and was not allowed in but a student of mine was. I knew that would happen, based on the nature of the mediation system lacking in cultural diversity. It is to much to go into here but to sum it up, banks rule the process and everyone has dance to the tune the Banks play. I found that this new CFPB is the final remaining thing I can do to try and save my home. My interest rate has been 8.99 % since XX/XX/XXXX and even though I have requested relief over the years from this inflated interest rate nothing has been done to provide a fair interest rate at a time when interest rates are a historic low. I lost a lot during the economic downturn, my ex wife died, I became a single parent. I had a XXXX XX/XX/XXXX. I got a on call job at XXXX as XXXX. I am trying to keep my XXXX going which I have had for 15 years. I have worked throughout the world XXXX in the field of XXXX. I am requesting assistance in remaining in my home. I am a XXXX year old XXXX man and it was difficult getting to this point. But here I am with a XXXX year old daughter and dog, and we are able to make it in XXXX after 25 years here I have support system. If I can get a fair loan modification with a fixed Interest rate I should be able to avoid foreclosure. I have tried to submit requested documentation via XXXX as told to and I keep getting the same documentation over and over requesting something I had submitted before. I think it is not a good process how they can just deceptively correpond and drag out my time before foreclosure sale date. I am requesting assistance from the CFPB. They are requesting what a tax request form, a social security award letter my taxes all have been sent in addition to the application for HAMPP modification with all supporting documentation regarding paystubs, bank statements, hardship letter, rental agreements. I am at the end of the line here. I am happy I found this new office of CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My son 's dad passed away on XX/XX/2020 and we tried to make payments on his home equity loan for {$16000.00} and Fifth Third bank wouldn't accept any money. We obtained the " Letter of Office '' from our attorney and personal brought it to the bank, still they wouldn't accept any payments. We have two pages of notes showing all the action we took, but they wouldn't accept payments. Now they have an attorney who added an additional {$9900.00} fees to the loan and is trying to foreclose on the property. We have paid the homeowner 's insurance, some of the property taxes and maintained the property in order to sell. We have a buyer for the home, but the bank has a lien on the property, stopping us from selling and paying what we owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I cancelled a transaction with moneygram and they promised to refund my money then locked me out of my acct and wouldnt let me back in and wouldnt give me a legitimate reason why and they sent the money to the moneygram in XXXX XXXX and then wouldnt give it to receiver so i cancelled it and i havent got my refund but yet they took my money the amout was XXXX dollars and XXXX for exchange fee the reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: MIDFIRST BANK
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX I took out a mortgage with midland mortgage. In XXXX I got divorced, I gave the house to my ex wife. I had an attorney draw up property settlement agreement giving my ex wife the property. I shortly after that filled out and notarized the mortgage assumption paperwork Midland Mortgage sent me. I have been told several times by midland mortgage I am no longer on the mortgage and do not have any rights to information pertaining to the mortgage. My ex wife has modified the mortgage two times in the last 9 years. Both times in her name only. However Midland Mortgage stated that they have not released me from liability on this mortgage. Its very confusing because if Im not on the mortgage and she can change and modify this mortgage without my consent however it still reports to my credit. Please help me understand why she assumed the mortgage however I am still responsible? Thank you

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 2022-05-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to purchase tickets from a lady for an event that was sold out and on XXXX for {$40.00} and the company I did the transaction through was PayPal and I've already tried calling them to resolve it and they said they couldn't. I didn't even get the tickets from the person I was trying to buy them from and she has already blocked me honestly I just want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-12
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Good Morning CFPB, My wife and I used SunTrust Rewards to book hotels in XXXX XXXX, Nevada and XXXX XXXX, South Carolina on XXXX/XXXX/2016. The reservation for XXXX XXXX was excellent, and we even called back to have our room upgraded. The reservation for XXXX XXXX has been a total nightmare for us. We have spoke to the same supervisor twice concerning our reservation. She continually informs her customers that they are incorrect, because she listened to a recording between the technician on duty and XXXX XXXX XXXX. The supervisor never offered too allow us the opportunity to listen to the tape ; however ; she consistently informed the customers that we are wrong. I am simply asking that my reservation on XXXX/XXXX/2016 be modified from XXXX villas to XXXX villa with XXXX bedrooms. We have spent many hours trying to rectify this problem with XXXX and SunTrust. We have come to the conclusion that we will eat the additional {$520.00} for a villa that we do not need ; however, we will discontinue all services at SunTrust. We have been loyal customers for over 22 years, but we will be moving all services to XXXX XXXX if we can not resolve this issue with SunTrust Rewards. We spend thousands through SunTrust Rewards every month, and we are dissatisfied with the service that we received from SunTrust Rewards management. They made a correction to my XXXX XXXX trip ; however, no correction can be made to our XXXX XXXX trip. We are tired, and we deserve better. Bottom Line is We are totally dissatisfied, and we will transfer all accounts if this problem is not rectified in a timely manner. We are considering talking to the XXXX concerning this issue. Our next letter will be directed to SunTrust Board of directors if this issue is not resolved in a timely manner. 

Respectfully, 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 monetary relief
Consumer complaint received 2022-09-14
Company: Experian Information Solutions 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:
This is not a DUPLICATE complaint and this not being filed by a Credit Repair company or a 3rd Party. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX XXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX  Account # 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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 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 a 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 2015-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX of this year, I was informed by the Bank of America that it was terminating my checking and savings accounts I had held with the Bank for about 5 years. I filed a complaint with the CFPB at the time, alleging that they were using a fraudulent method, the FIS Qualifile deposit account system marketed XXXX to determine who among their deposit account holders was likely to default on their accounts, and that I was being unfairly targeted in their use of that system. Nevertheless, in spite of my vociferous demands to see my Qualifile score and the other material BOA used to determine that I was not a good credit risk -- or, stated alternatively, that I was more likely than average to default on my savings and checking accounts -- BOA closed my accounts on XXXX XXXX. I have since received XXXX checks from them for the small amounts of money I had left in these accounts. 

However, there is a much larger check that I have not received from BOA, in the amount of approximately {$800.00}, that is the balance in a savings program in which I enrolled during 2011 that BOA calls " Keep the Change ''. Like automatic savings programs at other banks, " Keep the Change '' rounds up the dollar value of transactions and places these small amounts -- XXXX cents here, XXXX cents there, XXXX cents, etc., and so on -- in a non-interest bearing " Keep the Change '' account. 

By the time the Bank decided to close my accounts, I had accumulated {$800.00} cents in that special savings account. Let me make it plain that this was MY money, deducted from my checking account over a period of XXXX years by the Bank, but I have yet to receive a check for that amount, and it seems that my wait may be in vain. The person at the Bank, XXXX XXXX XXXX ( reachable at XXXX, ext. XXXX ), who was in charge of terminating my accounts, denies any knowledge of this account or this program, and refuses to acknowledge that I am owed this money. 

Plain and simple, I want my money back. Who knows how many accounts are being closed using the Qualifile credit scoring system, and " Keep the Change '' accounts being seized along with those closures? I think there is something brewing that constitutes another fraudulent and illegal pattern of behavior by a big bank. Please help me get my money back, and the money of others who are being ensnared in these little schemes. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation