BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-24
Company: Experian Information Solutions Inc.
State: TX
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 Concerns : I am writing to dispute the following account with XXXX XXXX XXXX XXXX. I previously addressed the issue with you several months ago, after a thorough review of my credit report dated XX/XX/2019, I still notice that you have not removed this negative account from my credit report which is displaying a number of violations. 

1. Violation of the FCRA no notice of dispute displayed on the credit report. Did you really investigate?

2. Defamation of character, intentional harm to consumers credit profile. 
3. Inaccurate reporting, and failure to investigate section 623 of the FCRA. It is your duty to report  accurately not the creditor although I have notified them of the violations. 

I am communicating with you in hopes that we can remedy this situation immediately, I can not move forward until we do. The fines for such continued negligence can be steep, {$5000.00} or more since we have already engaged you in this regards. So if you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. So please remove this item immediately. 

I look forward to an uneventful resolution of this matter. 



Sincerely, 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 2017-08-23
Company: EQUIFAX, INC.
State: KY
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:
All three of these companies would not remove erroneous items from my account, namely XXXX ( not mine ), XXXX ( fraud apartment complex that kept my lease active after I gave them my XXXX  XXXX signed by my XXXX ), and XXXX ( not mine ). After a year of writing letters and filing disputes, the completely unhelpful call centers that are on entirely different continents, kept telling me that they are only a reporting agency. I was baffled by this! I 'm here to report that all three of the credit bureaus are ran by child predators! It might not be true, but that 's what I 'm reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
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:
My husband and I both had significant job loss during the recession. We kept paying all of our bills. I had to start a business to make ends meet and when I had billing issues was unable to make the full payment on one of our cards ( I paid XXXX rather than XXXX ) and did keep up with the other which was a slightly lesser amount XXXX as opposed to XXXX. I spoke with them to work with us as it was temporary and we were doing everything to stay current, pay our debt and protect our credit. One day XXXX XXXX 2016 I called to make a payment and was told the XXXX had been XXXX XXXX out and was forgiven by USAA Bank who I have been with for 30 years. I called the CEO 's office and told them I did n't want them to do that as I was concerned about possible credit issues and I was PAYING them. I also did n't know if there would be a tax liability we could not afford. This year, no XXXX came and them after preventing us from paying them as the account no longer was accessible they put us into collections all the while keeping the other open and continuing to make payments. They closed both of the cards/accounts and denied access to our online ability to pay or communicate. I contacted the CEO again to say this is fraud and we have been deceived and their individual there XXXX XXXX refused to call me back. It has now been several weeks. I never get my documents via mail as requested only bills. I have stayed current with all other accounts but they have strong armed be to now auto deduct my home and auto insurance payment. Additionally they have been crashing my credit as if I have NOT paid them for over a year and I had no idea. I told them I am not getting correspondence and they sent me a letter saying that I can access the online account. They are the ones that locked it. THIS IS INSANE.
Thanks for your attention to this matter. I am dismayed that I can not trust these people. They also hold my second mortgage, and told me the property valued which it has not for the past 14 years. I have paid them irregardless but they have no accountability for providing a bogus appraisal that would have prevented and interest only situation that is now starting to increase. We are trying to sell to get them paid and now they have after all these years are the very people stopping us from buying or renting a way forward!!!
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX I received a credit card statement from VISA SIGNATURE - BANK OF AMERICA. A card I never opened or authorized to be opened. 
On XX/XX/XXXX, I called their Customer Service telephone number ( listed on the statement ) XXXX to correct this information. I received a belligerent response and NO satisfaction to correct this fraudulent transaction.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Acoordance with the fair credit reporting, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX  XXXX, Account Number XXXX beggining number last part is unknown since its a collection account, XXXX XXXX XXXX, the XXXX  XXXX, Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any 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 USC 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 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 2022-01-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
To whom it may concern, I have been a customer with formerly known as JP Morgan and currently Chase for over 20 years. Currently I have a business account, personal account, HELOC, and business line of credit with Chase, however, I am highly displeased with their fraudulent changes of late fees on an account with automatic payment as well as hidden annual fees and interest rates I was made unaware of. This business line of credit was taken out in XX/XX/2015 and have not missed one payment since then. My original loan amount was {$30000.00} and present day {$29000.00}. Despite my countless efforts to increase my minimum monthly payment to almost double of the requirement, there has been but a minimum decrease in the principal balance by about {$300.00} after 12 years of payment. I went to the branch to speak with someone about my concerns and unfortunately, the appointment was incorrectly set up by the staff with a representative that could not help me. Even though she did her best efforts to call someone that would have an idea the business line of credit products, the person that I was connected to was not yet in the office at XXXX XXXX  XXXX. The presentative stated they would follow up via email or phone call regarding the late charges on the account as soon as she would arrive to the office, yet I have not received either a phone call or email. I feel complete XXXX  against and very XXXX  at the fact that my late fees have not been addressed and more importantly, not having a solution as to how this account will continue to torment my finances since I barely found out this account has no term of maturity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I'm XXXX XXXX. There are inquires and collections on my credit report that happen to be a result of identity theft. Please remove them from my report. Thank you and best regards. 

XXXX XXXX XXXX {$370.00} Capital One Bank USA {$130.00} Inquiry XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX. 
XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Early Warning Services, LLC
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I filed a fraud claim through XXXX XXXX XXXX XXXXn person letting them know that someone used their XXXX # to contact me and trick me into believing that he was a representative from the XXXX XXXX XXXX  First, I was contacted via text about a fraud attempt, asking if I'd attempted a {$3500.00} Zelle transfer. After responding " No '' I received a call from someone who spoofed the XXXX # on the back of my debit card. 

I was guided through a process which led me to transfer money via Zelle to an unknown XXXX XXXX account. XXXX XXXXXXXX XXXX advised that the investigation could take up to 10 business days. 

On XXXX XXXX I filed a police report ( XXXX XXXX XXXX XXXX Police XXXX Report # XXXX ). As of XX/XX/XXXX, it had been 10 business days and the bank informed me that their fraud investigation team came up with nothing and closed my case. They were waiting for Zelle to get back to them. {$3500.00} ( in two transactions ) was taken from my savings account on XX/XX/XXXX. I have texts confirming the transfer of the Zelle money and a case number which has been dropped by XXXX XXXX XXXX. 

On XX/XX/XXXX, the bank informed me that they are unable to recover the money. 

On XX/XX/XXXX, I received a call from Agent XXXX from XXXX XXXX ( XXXX Ext XXXX, Claim # XXXX ) officially advising that XXXX XXXX XXXX is unable to help me recover my {$3500.00}. 
I am disabled and having anxiety attacks due to this horrific situation, struggling to pay my bills and have no one else to turn to. 

Your help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am requesting to have the credit freeze removed from my Credit file I am unable to pull my credit file to conduct my financial business. 
Please see my attached documents SS Card, Rental lease and Statement bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The congress passed legislation that indicated no interest to be charged on federally secured student loans as of XX/XX/XXXX. I made my payment for my XX/XX/XXXX due payment and the history shows the same/similar amount of interest charged month over month for same amount paid. I have asked Navient to provide a breakdown of interest charged for the loan and they have responded but the response is very limited in information. My account number is XXXX and I have 3 loans with them all under the category of FFELP. I got my loans as federal subsidized student loans and the explanation provided is that my loans are not owned by the department of education. What does that mean? Have my loans been sold to a private entity? I will write my congressman and senators as this is not what I understood my loans to be backed by.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CCS Financial Services, Inc.
State: NJ
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:
The Company name is Credit Collection Services. This company is listed on my credit report for debt of {$670.00}, I have never had contact of any kind with this company and also never received any info regarding this amount. Please provide thorough investigation into the accuracy of this debt. Again there was no info ever sent regarding this matter which has harmed my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: NC
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:
on XX/XX/2021 XXXX XXXX XXXX put a derogatory account on my credit report for the amount of {$430.00} a DEBIT CARD that I owed money on which was NOT CREDIT RELATED and under the FDCPA that is not supposed to be on my credit report being that it is for a DEBIT CARD and nothing credit related I disputed the account and the credit bureau sent a response saying that the information was accurate which in fact it has nothing to do with credit and was a debit card. I have disputed this information several times and still got the same answer that the account was accurate nothing else stating how they did they investigation to know the account was accurate or even if it was CREDIT RELATED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2021-03-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/2020 I authorized Chase Bank to run a one time credit report for a mortgage loan. XXXX XXXX XXXX is the Home Loan Advisor for Chase Bank and who assisted me with my application. 

On XXXX XXXX XXXX XXXX XXXX ran my credit report without my consent or knowledge of a pull. I wasnt notified or advised of an attempt to run a credit report. 

On XXXX XXXX My credit report on XXXX XXXX notified me that I had another hard inquiry on my Report from XXXX XXXX/JPMCB XXXX  XXXX. This was the same company who pulled my initial report on XX/XX/XXXX. 

In the first week of XX/XX/XXXX XXXX, XXXX I contacted XXXX XXXX XXXX via-email and by phone about a credit report that was run from Chase Bank twice. XXXX XXXX XXXX notified me that he initially ran the report again because a neglect error on his end. 

In XX/XX/2020 I contacted Chase Bank to file a compliant against the advisor for lack of professionalism and requested for a different advisor. In addition, a compliant to file the second hard pull of a report that was ran without my consent on XXXX XXXX. 

In XXXX XXXX, I have been In contact with Chase Bank to dispute my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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 didnt no apply for XXXX bank account and i have the dispute open with chexsystems and at first they denied it and im sending them documents to them to get it blocked/removed off my file... and i would like a copy of my chexsystems report .... the dispute in question is XXXX bank xxxxxxxXXXX balance XXXX ... this account was open without my consent this is fraud

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 2020-04-21
Company: MORTGAGE CLEARING CORPORATION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My bank is setup to make automatic mortgage payments on the 2nd of each month. 

These automatic payments include a second check for additional principal payments. 

As requested by the mortgage company the check memo clearly says additional principal. 

The mortgage company received both checks on the XXXX, both checks cleared our bank on the XXXX and the mortgage company refuses to apply the extra principal payment until the following month. 

This is causing us to pay more interest and does not reduce our principal balance correctly. 

We have complained several times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received an email stating I could go in a local branch to withdraw funds owe to me! When I went earlier they stated they didnt have no information on that. I showed them the email and they still couldnt help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I've been working with my mortgage servicing company asking them to offer the investor a negotiated settlement. I've written a few letters to the servicer, Ditech Financial sharing my rationale but Im told that as a matter of policy that's not shared. They, Ditech, simply make an offer to the investor and, neither negotiate in good faith on my behalf nor present my " side of the story '' as it were. Alas, I dont believe they are representing my interests. 
I'd covet help from the CFPB to have the servicer take a more active and productive in role in getting my offer - with supporting documentation - to the investor. 
Additionally, I've been asking for nearly a year to get all interest payment data and total progress on paying down my principal balance and Ditech has been generally unresponsive and what they've provided has been insufficient. So, here again Ditech Financial demonstrates a slowness to respond and is generally less that competent when they do. Frustrating.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation