BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX PARTIAL ACCT # XXXX this collection does not belong to me. I do not have a financial obligation with XXXX funding. 

I HAVE ASKED FOR VERIFICATION FROM THIS COMPANY AND THEY HAVE NOT SENT ME ANY VERIFICATION SHOWING TO ME THAT THIS I MINE. PLEASE HELP ME RESOLVE THIS AS IT IS HURTING MY CREDIT REPORT AND SCORES AND LASO IT DOES NOT BELONG TO ME EQUIFAX I INCORRECTLY REPORITING INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Home Point Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/2022 I received a letter that was actually mailed on XX/XX/XXXX from home point Mortage. Like I stated, I did not receive the letter till XXXX XXXX. ( Regulation # XXXX ) It made its rounds to at least two or more different houses in our city, before finally coming to me. It was a notice of transfer of servicer. They also changed the loan number. I paid my payment on XX/XX/XXXX and then again on XX/XX/XXXX. Home point mortgage company is reporting my mortgage as 30 day late for the month of XXXX. 
I have never been late with my mortgage payments. I did reach out to XXXX on XX/XX/XXXX, and on XX/XX/XXXX and XX/XX/XXXX, to see if they would be willing to resolve this matter on their end but it was to be no avail. each time I was told to just go through : : XXXX I sent them through the customer support.com the documentation of the photo of the letter that looks like Ive been run over by a truck when it sent to the wrong addresses. The multiple times that I did talk to home point customer service I was told I had to do it through their customer support email and upload my document or any thing else which I did all I kept getting back was automatic responses.. 
Due to this action by Homepoint, Ive not been able to refinance my mortgage and it did decrease my credit score.. 
I am asking for an immediate removal of this from my credit report. once again this is harming me from being able to do a refinance and it has decreased my credit score. Through no fault of myself. 
This is an FHA loan and Ive been on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: IN
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 did not consent to, or authorize nor benefit from any of the following accounts and information. Someone has used my personal information to obtain loans and credit cards from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Equifax has been non-compliant with removing the unverified account which has been XXXX XXXX XXXX deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX   XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: IL
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:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
USAA returned a EFT payment I made to XXXX for no reason. I had funds in my account to cover it. Instead they rejected it. I alerted USAA and they credited the XXXX return check fee. But they caused me to get a XXXX returned EFT free from 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 2017-09-25
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Went to Exquifax website and put in my " last name '' " SSN '' and " birthdate '' and it report that they did not have a match for data submitted ... .So unable to enter the site and get free credit report of find out I 'm one of the 143 million people compromised! Help!
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX was notified by me in reference to some inaccurate accounts on my credit report. I have notified XXXX priority mail that they have failed to validate these accounts. I have asked that these accounts be validated and that I receive copies of the information of proof. There is also a public record ( Tax Lien ) that has been paid and IRS has approved for this be removed from my credit report. I faxed  over the form to them that I received from the IRS and to this date they have ignored my request to have this Public Record removed. Accounts also are : XXXX XXXX, XXXX XXXX Acct. # XXXX, XXXX XXXX and XXXX . I would like for XXXX is remove these inaccurate accounts from my credit report because it is affecting my ability to purchace a home for my children.

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 2018-11-30
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This complaint is regarding a Home Depot Card. The account was used in XX/XX/2018, and I was billed a balance of {$100.00}. The payment was due XX/XX/2018 and was paid in full on XX/XX/XXXX. I just received my new billing statement which closed on XX/XX/XXXX. The purchases total {$110.00} and there is an interest charge of {$2.00}. The card is managed by Citibank. I contacted customer service via an online chat and was told by " XXXX in Idaho '' that even if I pay my bill in full, that I will continue to see interest charges until I have made two consecutive payments of my balance in full. She states the interest is compounded daily. I pay my bill online and there is an option for payment that reads : " Amount to avoid interest on next statement '', and that is the amount I paid.

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 2022-10-24
Company: M&T BANK CORPORATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
XX/XX/22 : @ XXXX {$1000.00} was withdrawn from this writers checking account, leaving account in the- {$1100.00} ( was already in the XXXX prior to cash withdrawal ). This writer called customer service @ XXXX. Such agent expressed to this writer that I should discuss with my mother ( who is also on the account ) but was unable to give me information on the check that was used to take out this non-authorized transaction. This writer had to go into her own account to find such information & call again to discuss the problem with a new agent @ XXXX. This new agent informed this writer that I need to go to the nearest banking location for further instruction. 

XX/XX/22 ( continued ) : this writer arrives at M & T Bank @ XXXX. Discussing the same issue with bank teller. Bank teller ran through my account to print down the check and match signatures, which clearly do not match. Bank teller proceeds to tell Bank manager ( Individual did not introduce with title so Im assuming ). Bank manager informs this writer that he will launch and investigation & will call me later that day. I did not sign any paperwork such as a report or affidavit. This write leaves bank @ XXXX. This such bank manager called this writer back @ 3:36p to inform this writer that he was able to see that the person who wrote the check must of wrote the wrong account # down on the withdrawal slip. However, this writer informed the bank manager that there are no checks in this writers name so it is very concerning that someone can write down account # s and no extra verification is taken place. This writer was informed that the money of {$1000.00} will be placed back into this writers account Monday XX/XX/22. 


XX/XX/22 : this writers account is still - {$1100.00}. This writers calls the local bank @ XXXX to speak with bank teller. Bank tell takes down all my information and informs me that they will call back soon once discussing with the same bank manager on the status of my situation. No one calls this writer back. This writer calls back again @ XXXX informing a new bank teller the issue. Bank teller informs me that the bank manager is out to eat and will call when he is finished. I received a phone call @ XXXX from bank manager stating that my case is still in review and should be fixed hopelessly Tuesday XX/XX/22. This writer informed bank manager that such account needs to be fixed by Tuesday due to being paid this Thursday XX/XX/22 & having wrongful negative balance will result in this writers paycheck to be taken.

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 2017-08-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX was notified by me in reference to some inaccurate accounts on my credit report. I have notified XXXX priority mail that they have failed to validate these accounts. I have asked that these accounts be validated and that I receive copies of the information of proof. There is also a public record ( Tax Lien ) that has been paid and IRS has approved for this be removed from my credit report. I faxed  over the form to them that I received from the IRS and to this date they have ignored my request to have this Public Record removed. Accounts also are : XXXX XXXX, XXXX XXXX Acct. # XXXX, XXXX XXXX and XXXX . I would like for XXXX is remove these inaccurate accounts from my credit report because it is affecting my ability to purchace a home for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: VA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
We got are car repo and we pay the {$2100.00} to get are account up to date. We then are due date for XXXX payment on XX/XX/2022. We ask to move that payment to the end of the payment. They told us we need to move the due date. To the XXXX of XXXX and then they can move are payment for XXXX to the end.I was told it got denied cause no payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
TransUnion is failing to report three accounts, two from XXXX and one from XXXX XXXX that should appear on my credit report. 

I have made six ( 6 ) written requests to correct this omission starting back in XXXX  of this year when I cited the XXXX and XXXX XXXX XXXX. 

In response, TransUnion deleted the one remaining XXXX account from my file ( XXXX  ) and since then have failed to return them to my report. 

I have contacted customer service for both XXXX cards and XXXX, and they all emphatically declare they are reporting all of my accounts to TransUnion but that, for whatever reason, TransUnion is failing to include these accounts on my report. 

It has been 90 days since my initial request and over 60 days since they erroneously deleted the XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX of 2022. I deposited a check in the amount of {$500.00} from the XXXX XXXX. This is the second check that I have deposited into this Chase account from the XXXX XXXX. Immediately after the check clears and having to wait 14 to 21 business days, I received a notification that my account had been frozen and it Chase will be closing my account and they no longer wish to do business with me. They proceeded to close my account however never issued my check for the remaining {$500.00} it still sits within the account. I close the account and the funds are still there and all I keep getting is runaround about a verification. Im getting very frustrated please help Ive tried on many occasions to resolve this with Chase and they simply told me that they will hold it for the maximum allowed years and send it to the state comptroller when its necessary thats ridiculous. I finally received a statement from Chase and noticed it on XX/XX/XXXX. It states that Chase cut a check for the remaining {$500.00} in his holding it is this even legal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Our USDA loan was in a COVID-19 forbearance for 12 months under the CARES Act. Prior to forbearance ending on XX/XX/22, and on several occasions since then, we have attempted to reach our servicer, LoanCare, to exit forbearance and bring the account current, including by phone, fax, email, and mail ( see enclosed contact log ). We have repeatedly requested to resume our contractual payment and retain the original terms of the loan, deferring the past due balance to the end of the loan. LoanCare has erroneously advised us that USDA loans are not eligible for deferment and that the only option to exit forbearance is a Loan Modification, which would change our interest rate and payment terms. This is incorrect according to USDA, HUD, CFPB, and even literature published by LoanCare. LoanCare has neglected to abide by the guidance of the aforementioned agencies who regulate the implementation of the CARES Act regarding COVID-19 forbearance. The guidelines are clear. Resuming our contractual payment and deferring the past due balance to the end of the loan is one ( of multiple ) options available to us as USDA borrowers. LoanCare has ignored our multiple requests, insisting on Loan Modification only. On XX/XX/22, we received Loan Modification documents from LoanCare in the mail that we did not want or request. LoanCare has failed to provide us with all available repayment options in accordance with the protections provided by the CARES Act, which they are obligated to do.

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 2022-08-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I went to a Wells Fargo drive-through ATM located on XXXX XXXX XXXX XXXX XXXX California and I attempted to deposit {$300.00} into my Wells Fargo savings account the computer took the {$200.00} and then returned the {$100.00} bill and then gave me the option to make another transaction or return my card I requested to do another transaction and put the XXXX XXXXXXXX XXXXXXXX  inside one more time the machine confirmed my XXXX XXXX XXXX as a XXXX XXXX bill asked be to confirm correct which I selected yes, completed and returned my card. When I went to check my savings account only reflected the {$200.00} that was initially deposited I contacted Wells Fargo that same day on XX/XX/XXXX and opened a claim for them to investigate. On XX/XX/XXXX today I was told that they have completed their investigation and they have checked the ATM machine and there was no jams and there was no additional money in their money count. When I asked if they can check the cameras or their computer monitoring they stated that they only do that for fraud claims and that I should get a police report to subpoena them for the camera footage. I asked how long the camera footage is In there system I was told they dont have a definitive answer for that. They took my XXXX dollars and refused to check the live footage that they have, and closed my claim essentially stealing my money and not returning it back.

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 2022-09-30
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: Account information incorrect

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) method of verification Description of re-investigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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  and 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 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