BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have credit monitoring services and was alerted an address i did not recongnize was on my credit report. I immediately tried to dispute the address with Experian but i was told i could not do so becaise XXXX reported the address. I then immediately contact XXXX to advise this was not my address and i did not know where the address came from. I was told by XXXX my address was updated and would be changed on XX/XX/XXXX as it takes 30 days for the information to update. Its been over 2 months and the info has not been corrected. I have made multiple attempts with both Experian and XXXX and getting nothing but the run around. I am asking for this informtion to be corrected on my report immdediately.

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 2023-11-06
Company: AmeriHome Mortgage Company, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I purchased a condo in XXXX. My original loan with mortgage 1 was sold to Amerihome mortgage soon thereafter. In XXXX XXXX of XXXX I was offered a streamline mortgage by Amerihome. At first it seemed a good option as it lowered my interest rate a little, and I was told there would be no fees whatsoever. Near the point they were to send someone to my condo for some type of inspection, I was told by California based mortgage rep that he was preparing closing docs and that I would be required to pay a percentage point on the loan. I refused telling him he had told me no fees. He tried and tried to make me think that the streamline loan was in my best interest. He was very pushy, I became upset and refused further, eventually hanging up phone. 
On XX/XX/XXXX Amerihome took {$930.00} from my escrow account. They labeled it an escrow refund, as shown on escrow statement provided. I did not receive an escrow refund. On XX/XX/XXXX I was sent an escrow shortage notice, and told I needed to pay {$960.00} to cover the shortfall. I was not able to do so. So they increased my escrow monthly payment. I have spoken to Amerihome several times regarding this.on XX/XX/XXXX a Supervisor named XXXX told me Amerihome had mailed a escrow refund to me for {$400.00} some dollars, but that apparently it had been sent to the wrong address??? Something about unit number showing XXXX not the proper unit no XXXX. When I told him it was {$930.00} which was deducted and not the XXXX and some amount, he became very sarcastic telling me he would look into it. I never heard back from him. I spoke to Amerihome representatives many times after this and was basically given a terrible run around. 

Unfortunately, at some point I misplaced the Amerihome documents, but luckily recently recovered them. I will copy all pertinent documents. 

Your help in this matter will be greatly appreciated!

Company response to consumer: In progress
Consumer complaint received 2022-06-08
Company: DISCOVER BANK
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 called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXPlease verify the following incorrect names. I think there may be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. This account included in the dispute are : DISCOVERBANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: GA
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: JPMORGAN CHASE & CO.
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 called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXXXXXX XXXX XXXXPlease verify the following incorrect names. I think there XXXX be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXXThis isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. These accounts included in the dispute are : JPMCB CARD XXXX JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: LA
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:
Paid off all balances with XXXXXXXX XXXX. They continued to try and charge even after I received my final bill. I submitted a complaint with the Cfpb about the company but cfpb is unable to reach them.

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 2022-12-01
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX Chase refused to transfer the direct deposit into the correct checking account. Chase deposited my {$2500.00} into my business account ending in XXXX instead of my personal account ending in XXXX. After repeatly requesting the funds to be transferred to right account. Chase Bank refused to make the process therefore taking the money and not issuing me a cashiers check for the full amount. They also notified me the day of this incident that all my accounts were placed on restrictions and will close immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
The reason for this letter it to dispute unauthorized inquiries on my credit report. On XX/XX/XXXX I retrieved a copy of my credit report and discovered 1 inquiry that I have no knowledge of. Because I did not apply for credit with Truist Dealer Services. Inquiry date was made on XX/XX/XXXX. I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into the creditor inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that any of the inquiries is invalid, I am requesting that it be removed from my credit report as soon as possible. But if any creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted.

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 2022-06-30
Company: Komyatte & Casbon, P.C.
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:
My consumer rights are being violated. I have contacted this company for debt validation and have also sent a notice to cease and desist of all illegal activities and communications. It has been well over 30 days, and I still haven't had a response. I have no contract with this company, nor have I been provided with any information with my signature staying I have agreed to do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check in the amount of {$420000.00} on XXXX XX/XX/2022 at Chase bank and one week ( 5 business days ) later, none of the funds have been made available to me. I have no history of overdrafts, the check is from a stable institution and the bank has no reason to believe that the check is un-collectable, I have been a long time customer of Chase, this is not a re-deposited check, and the bank was not impacted by a natural disaster or other emergency. I am unaware of any justifiable reason as to why the bank should hold my funds in excess of 5 days or that they would not have made at least a portion of the money available to me. I called the bank to request that the funds be released and they were unwilling to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States 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.

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 already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 



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 2022-12-01
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I am trying to get in contact with the BSI Financial Services customer care department regarding removing my former wife off of the mortgage but have received no feedback. I have reached out on three occasions ( XX/XX/2022, XX/XX/2022, and XXXX ). On each occasion they have not written me back. I was able to remove my former wife off the deed and the VA loan certificate, now I just need her removed off of the mortgage loan from this lender, yet I feel they have been dodging my emails. I've been hung up on whenever I do get through on a call and ask the question. On XXXX instance a lady said she's not sure how, or if they do that. It's something she'd have to ask her supervisor, but they were unavailable. I have not received any information regarding this dilemma. I do not receive money to pay the mortgage from my former wife, nor have I ever. I'm not sure where the problem lies. Why won't they just get back to me???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: PNC Bank N.A.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PNC Bank. I was co-signed on a car loan for a vehicle that was totaled and covered by gap insurance. 
XXXX XXXX of the individual covered paid out in two installments. The first was {$37000.00} and the second was {$820000.00}. The total payout on the claim was {$45000.00}. The second payout of {$820000.00} was released XXXX. 
PNC Bank has reported me for a delinquent balance on a vehicle that was totaled and full covered by insurance including gap insurance which has been paid out to them. 

During the course of the loan, we had continued problems with PNC Bank sending out letters for notice of a late payment stating the payment due date was 10 days prior to the actual due date online. They would also send out late payment notices via mail regarding payments that had already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Experian Information Solutions Inc.
State: GA
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 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 explanation
Consumer complaint received 2022-06-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I CHECKED MY CREDIT REPORTS AND NOTICE THAT MY IDENTITY HAS BEEN STOLEN AND MY BANK ACCOUNTS WERE HIJACKED AND ALSO ABUSED AND SHUT DOWN FROM FRAUDULENT BOUNCED CHECKS THE FOLLOWING BANKS WERE AFFECTED 1XXXX XXXXL 2.XXXX 3.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 2022-07-28
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I originally owed XXXX  XXXX XXXX {$4000.00}, I attempted to work out a payment plan that I could afford once I became XXXX and could no longer work to bring in any extra income. 

I entered agreement with XXXX XXXX aka XXXX XXXX XXXX XXXX in good faith and have paid that program to date {$16000.00}, only to find that they did not settle this debt on my behalf in a favorable way. 

They offered this company almost {$7000.00} and began paying themselves first over the last few years - this is not a great negotiation. 

They program said that XXXX XXXX XXXX refused for 4 years any other offer during the time I participated in their program and they failed me. 

The debt program has been reported to the FTC. 

Now, I am applying for XXXX, I am unable to work but for 4 years I never missed one payment - only now I have XXXX left to live on in my savings and it is literally all I have. I offered that to this XXXX  XXXX XXXX company directly. 

Again they refuse- they now took bill from XXXX to XXXX, XXXX with demand of payment {$2500.00} and 5 monthly payments- with interest to start accruing again which will never pay this debt off. 

Even during covid, no job, XXXX I tried since 2019 to get this company to settle, they refuse and now threats to go to court and legal fees. 

I simply do not have funds any longer and I feel that 4 years of trying to settle with this unreasonable creditor is much to much for me to bare and now I am having emotional hardships as well as financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: SoLo Funds Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I revoked authorization on XX/XX/XXXX via email and chat and asked for another repayment plan. I put stop payment on the debit as well. On XX/XX/XXXX they debited my account {$670.00} causing me not be able to pay rent. I have emailed them several times and have not anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-30
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing to dispute a charge of [ {$900.00} ] to my credit account on XX/XX/2022. The charge is in error because the item was not delivered. PayPal has already closed this case in my favor and I need Synchrony Bank to credit my account. I did not authorize Synchrony bank to charge my account {$900.00} after I was refunded. 

I ordered the item on XXXX XXXX. The seller promised to deliver the item to me on XX/XX/XXXX with a signature request, but I never received my order. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

Enclosed are copies of PayPals decision on the case, email proof of signature request, disputes filed with XXXX, cancellation of orders with XXXX and delay in refunds, these documents support my position and experience. 

Please correct the error on my account promptly. Also, I have received poor customer service from Synchrony bank were representatives have hung up the phone on me. 

Sincerely, XXXX XXXX Enclosures : PayPals case decision, Paypals buyer protection policy

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 2022-06-30
Company: Experian Information Solutions Inc.
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:
I sent a dispute letters to Experian, XXXX and XXXX asking for this company to remove some personal information that was absolutely devastating to my reputation. They have records information on my report that wasn't told to me or acknowledged by me to report of erroneous information such as charge offs of accounts that still have a balance. I believe Experian has violate my consumer rights and violated my privacy. 
The accounts that I'm referring to is XXXX, XXXX XXXX, and XXXX XXXX. 
I have ask for them remove these accounts and they stated it was verified. How so, if I wasn't told about the information that was given to them to be true. The information they have is not factual. As per the FCRA any information that I didnt give authorization is supposed to be excluded .I have been getting denied from trying to get a home. Please help me have them fix this grave error by removing these negative remarks.

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