BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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

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 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

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

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 2023-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please provide me with a statement of account with proper remittance for this credit card under Article 9 of the UCC that verifies the amount of a {$410.00} late payment being reported on my consumer credit profile. If the original creditor can not provide that documentation, please delete this account immediately as it is inaccurately reporting under the FCRA.

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 2023-11-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 : 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 18. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on 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 2023-11-23
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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.

has violated my rights. Or a list of inquiries : 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 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 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 2023-11-23
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been unable to sign up or use XXXX with TD Bank, their XXXX support sent a report to XXXX whom refused to lift restriction, in which case, a separate complaint filed against XXXX in XXXX ... XXXX replied by stating the number used to sign up for XXXX, XXXX XXXX XXXX, shows no such restriction, advised to sign up again, in which case, same error message, " we've restricted access to this service ".

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22
Company: NEW YORK COMMUNITY BANCORP INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
FLAGSTAR BANK " APPROVED '' LOSS MODIFICATION PROGRAM CANCELLED AND FORECLOSURE STARTED... 

l appealed a recent Loss Mitigation disapproval from Flagstar Bank based on the fact that after completing a 12 month forbearance plan due to XXXX XXXX  and the death of a spouse I applied for my 1st loss mitigation plan a few months ago of which I was approved and completely complied with by completing the 3 months of trial payments and a XXXX payment this XX/XX/2023 and because I did not receive the final documents to finalize the loan modification due to my loan documents being left on my front porch by XXXX I was informed by Flagstar Bank that the original plan that I was approved for was cancelled and that I would have to restart the entire loss mitigation program all over again which I felt was very unfair based on the fact that I did fully comply with the terms of the original plan that was given to me in making the required trial payments and due to no fault of my own did not receive the fedex packet of information to finalize the previously authorized and granted loan modification. 

After submitting a XXXX loan modification request foreclosure proceedings were suddenly started on my home without my knowledge due to nonreceipt of additional loan information that Flagstar Bank never informed me that was needed until after they had actually started the foreclosure proceedings. 

I requested an appeal of Flagstar 's most recent disapproval decision based on the following : 1 - I did comply with and satisfied the requirements of the original loss mitigation plan per Flagstar Bank 's request by completing the 3 months of trial required payments per that plan in a very timely and exemplary manner and my previous loan modification was APPROVED and then cancelled after the receipt of XXXX payments because I did not receive the loan finalization documents from Flagstar Bank. 

2 - My 2nd loan modification was disapproved due to nonreceipt of information that I was never informed that was needed by Flagstar Bank to complete the application. 

3 - My financial situation has significantly improved since I initially applied for the original forbearance plan through debt consolidation, paying off of bills and the addition of {$850.00} that was added to my monthly income through the Social Security Administration and based on my current monthly income and expenses I am now ready and would like to resume my mortgage payments per the reinstatement of the previously approved loan modification plan approved given to me by FlagstarBank or a new loan modification plan. 

Thank you for your assistance in regards to this matter.

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 2023-11-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have received the credit report ( XXXX ), which has same content. And I have already asked to extend my fraud alert for 7 years and opt-out by the recommendation from XXXX, most likely, itself by the postcard. Therefore, I do not wish to receive same content with different report number.

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 2023-11-25
Company: Upgrade, Inc.
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2023 I placed a call to update my personal information. While on this call I asked was my account closed. I was told no because I had an account balance. I asked what is my account balance I was told that the agent can not provide this information. I then asked what was my last payment they received. I was told again they could not, provide this information, but could confirm that amount if I told them how much I paid last, which I provided them with a amount and she told me that she did not see that amount I told her the last two payment amounts I made. She told me she did not see any of those amount I requested to speak to another agent.

The next Agent did provide me with the correct amount of my last two payments. Ive been requested this and provide me with a balance letter or a payoff letter, which he stated it will be emailed to you. I received the email with somebody elses information on it. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my Chase account at the beginning of the year after switching from XXXX XXXX because they wouldn't allow me to opt out of overdraft protection. In any case, Chase has regularly placed unnecessary holds on check deposits since I opened the account. Sometimes for just a few days, sometimes up to 14 days. In each instance, the checks have been around {$100.00} or less and nobody can explain to me why the hold is being placed. They used to tell me it was because the account was new. Then it was XXXX within this deposit may not be paid because of information we have received from the paying bank or due to information we have within our own files. ' But nobody could explain to me what that meant. The most recent example was from XX/XX/23. I stopped to deposit 2 checks, 1 for {$75.00}, the other for {$95.00}. The {$75.00} went it immediately, the {$95.00} had a 12 day hold placed on it. When I sent a secure message to inquire about why, I was gaslit and told there was no hold even though I received and email saying so and can clearly see the withheld funds on my app. But the worst example of all was when there an error made between my rental company and I. The rental portal would not allow me to process my payment and their system locked me out. Then because rent was late, the eviction process started automatically and the only way to stop it was to pay by certified funds the past due balance plus the next month 's rent. I had to borrow money from a friend who had written me a check for {$1700.00}. I had over {$1800.00} in my account and asked if I could cash the check since I had the funds to cover it. They told me it wasn't an option. Instead, they deposited the check and placed a 9 day hold on it. I told them I would be evicted before it cleared and they gave me a XXXX # to call. From there, I had to engage in a 4 way call between a XXXX representative, my friend, a representative of her bank, and myself. In that phone call, she had to share her account access information, verify she had written me the check, and her representative had to verify the funds were available. After all of that, the check still was held for 8 days, despite it clearing her account the following day. I had to borrow money from another friend, wait for that check to deposit and then pay her back. The whole thing was ridiculous and makes absolutely no sense to me. I have not bounced a check or received a check that was returned unpaid, and even if I had, how would I be at fault being on the receiving end of a bounced check? I searched XXXX and see I am not the only person who gets random holds placed on deposits for no reason through Chase and can't help but wonder how much interest they collect on unnecessary holds like this. As someone living paycheck to paycheck, I can't afford to spend weeks waiting for access to my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Account NoXXXXXXXX  I called and sent multiple messages to newrez regarding extending my forbearance for three more months, the only thing I'm getting is drama, the phone customer service is of no use and I'm still in dilemma right now, my XXXX haven't paid the rent, I don't have the money right now to pay the monthly mortgage, plus I got covid in last year XXXX so I need three more months of forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a new checking account online through Laurel Road a subsidiary of Key Bank on XXXX XX/XX/XXXX and received a confirmation email that the account opening was approved. I changed the direct posit instructions at my employer to send a portion of my paycheck to this newly established account at Laurel Road ( {$1200.00} ). Later that week I added an external account for my primary checking account at XXXX XXXX XXXX I subsequently received a confirmation that the extremal account I added via online authentication to my like titled account at XXXX XXXX XXXX was properly linked and ready for transfers on XX/XX/XXXX. On the same day, XX/XX/XXXX, I initiated a transfer for {$1200.00} to move my direct deposit back to my primary checking account at XXXX XXXX to cover my mortgage payment. Today, XX/XX/XXXX ; I received a letter from Key Bank dated XX/XX/XXXX referencing my account at Laurel Road ending in XXXX and that it has been closed. I called the number provided in the letter XXXX and Key Bank informed me that despite sending me a letter regarding this account they can not speak to me and have no access to Laurel Road systems. I sent a direct deposit from my company XXXXXXXX XXXX  for {$1200.00} to the Laurel Road account in question. My online access to Lauren Road Bank has been restricted and I can not sign in. I've worked in the financial services industry for 25 years and never seen anything quite like this. It appears Key Bank/Laurel Road has unilaterally closed my account and seized my money.I spoke with a supervisor at Key Bank this evening at XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX ) who was unable to provide any information as to why the account was closed, what account was exactly closed, and where my money was.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I went to XXXX XXXX XXXX in XXXX XXXX, NJ at XX/XX/XXXX. I used Apple Pay. I was charged XXXX, with XXXX being credit transaction fee. The charged showed up on my Apple card statement, so I have cleared the transaction. On XX/XX/XXXX, I was informed by XXXX XXXX XXXX that they only received XXXX XXXX  out of the XXXX XXXX Further I am being charged in their forthcoming bill. I contacted Apple and they said I was only disputing XXXX XXXX  instead of XXXX XXXX After escalating to their advisor, they claim this was a mistake and I really paid XXXX XXXX But this does not explain where the XXXX XXXX  in dispute coming from. No one contacted me afterwards to clarify. Now I am facing a XXXX XXXX  unpaid bill. I tried to contact XXXX XXXX XXXX but I was told that the billing department was short ( of people ). 

I think I need some help from you to resolve this. I already submitted my proof of payment to XXXX XXXX XXXX and Apple, but no response so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Affirm Holdings, Inc
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filled a dispute years ago this has been hunting me since and I had no knowledge of this account being opened if I would have I would have do anything to stop this froud act I take responsibilities for my actions I will not pay for this account I did not open i have no control over when this account was open I can assure u I was not me now these hard delinquency that come up on my credit report make it impossible for me to get a loan when I most need it to provide for my a loan for emergency my money to get me out a financial problem over this account I already filled a dispute on is still on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
Product: Credit reporting 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 have several inquiries in regards to a vehicle they were supposed to run one inquiry around too many. I also try to refinance my vehicle, and I have a lot of refinance inquiries which should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Synchrony bank sent me a letter stating that I owed almost XXXX for a tjmaxx credit card that was in my name, I've tried to dispute it many times. They say the information they have is accurate, but I have no knowledge of this 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 2023-11-25
Company: COMMERCE BANK
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1. Reported my account as a deliquent/ closed/ account since XXXX  but also 2. Reported the same account as taxable income via 1099C to the IRS. 

The account can not be smearing the credit history once it is resolved with the consumer and reported as cancelled debt and therefore taxable Income to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation