BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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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 2023-07-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home received extensive storm damage resulting in a $ XXXX insurance claim. 

Received $ XXXX check from insurance company and brought it to my local chase branch on XX/XX/23. 

I contact chase several times to see where the money is as repairs have begun ( I had holes in my roof ) and receive no satisfactory response so I am forced to begin to pay for repairs to my home, that insurance has already sent payment for, that I can not access. I pay over $ 100k of my own funds to cover these repairs. 

On XXXX XXXX, 12 days after submission I receive $ XXXX. 

I then request an inspection to obtain the next portion of funds since repairs are 50 % complete and 70 % of the ( my own funds covering ) money has been spent. 

Here 's how that first inspection went. 
I request an inspection on XX/XX/XXXX, the soonest I am able to request. On XX/XX/XXXX I'm given inspection availability options. I pick the first one available on XX/XX/XXXX. I call daily after the XX/XX/XXXX inspection to get results. Nothing appears until XX/XX/XXXX when I am finally informed I failed the inspection. 

The inspector walked past $ XXXX in materials and a dozen people installing another $ XXXX on the roof. But because a single interior room that would cost {$500.00} in paint and drywall to fix was not fixed, I failed the inspection. Obviously the roof needs to be repaired prior to cosmetic fixes. 

It is now XX/XX/XXXX. Nearly 30 days after handing $ XXXX to chase that they are unreasonably denying access to. 

They have been contacted daily. I am no longer receiving responses from chase and I am not being allowed access to my insurance settlement despite having paid for much of the repair out of my own funds. 

I note chase has outsourced this function. Chase still has the duty to monitor the process. If I had not had my own funds obviously structural damage would have occurred due to their unreasonably withholding funds, which runs contrary to their supposed " interest '' int he property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. I have not received any response about the complaint I sent, dated XX/XX/XXXX. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: EQUIFAX, INC.
State: NJ
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:
To XXXX, XXXX Thank you for replying ( via CFBP dated XX/XX/2018 ) regarding my query regarding my two student loan accounts ( abovementioned ). This letter serves to provide clarification to your responses on XX/XX/2018, XX/XX/2018, as well as the latest letter dated XX/XX/2018. Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
Your correspondence on XX/XX/2018 and XX/XX/2018 did not include a copy of the application, promissory note, nor disclosure statement as stated. Until the student loan accounts are disputed and validated, reporting account information to any of the three main  Credit Bureau 's such as XXXX, will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your company that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character Moreover, your letter on XX/XX/2018 merely stated that you/your company have reviewed my student loan accounts in connection to the CFPB vs XXXX, XXXX Consent Order but make no mention of XXXX redress plan, final resolution, or restitutions as required per CFPB. 
In summary, XXXX requesting copies of BOTH, a full debt validation as well as the redress plan, final resolution, and restitution as per the CFPB vs XXXX, XXXX Consent Order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold from XXXX XXXX  to Chase Mortgage effective as of XX/XX/XXXX. 
We made first mortgage payment of {$2100.00} to Chase on XX/XX/XXXX. 
Our mortgage with XXXX XXXX has never had an escrow account and we pay our own taxes and insurance. 
Prior to loan transfer from XXXXXXXX XXXX  in XXXX & XXXX we were notified by XXXX that we had a lapse in coverage of homeowners insurance for 20 days from XX/XX/XXXX to XX/XX/XXXX. We contacted XXXX XXXX and our insurance company XXXX XXXX and advised there had been a mistake made by XXXX XXXX. We also provided a copy of a certificate of insurance from XXXX XXXX to XXXXXXXX XXXX which indicated on the form that XXXX XXXX made an error in the start date of coverage and that it should be XX/XX/XXXX. In the meantime, XXXXXXXX XXXX canceled the force placed insurance but transferred our loan with a balance of {$180.00} owed for escrow to Chase Mortgage. 
Chase mortgage processed our XXXX payment in the amount of {$2100.00} which is our P & I monthly payment and advised we would now have an escrow account for insurance and also pay the {$180.00} lapse in coverage. I have been communicating with Chase since XXXX to have the escrow account removed and was notified on XX/XX/XXXX that they have removed the escrow account ; however, they have now added the {$180.00} for a lapse in coverage to our monthly payment for a total of {$2100.00}. They have added {$15.00} per month to our payment to pay for the {$180.00} lapse in coverage we shouldn't have to pay because we never had a lapse in coverage. I have repeatedly explained this to Chase insurance department, escalation department and customer service department and somehow as a mix up between XXXX XXXX  and Chase Bank XXXX, as the consumer, which hasn't done anything wrong is left to pay {$180.00} we don't owe. I want the {$180.00} removed from my mortgage payment and a letter stating the same. 

Please provide assistance to get this issue resolved. I believe we have a XXXX XXXX backed loan. Our loan number with Chase is # XXXX. I have uploaded the certificate of insurance from XXXX XXXX with information indicated the error was from their agent and the correct dates of coverage. This information was provided to Chase. If needed, I can provide you additional correspondence from Chase regarding this issue. 

Thank you advance for your assistance. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX refi@ 2.8 %, payoff @ {$66000.00} + fees = XXXX. 
To close approx XXXX Credit @ XXXX XXXX rec XXXX XXXX Chase offer@2.9 & NO fees for {$68000.00}. Expect 2-4 wks to close. 

XXXXec mortgage commitment letter XXXX, XXXX followed up XXXX toldexpect closing 1-2 wks XXXX through XXXX various calls and info sent XXXX XXXX XXXX  preliminary closing received XXXX closing disclosure in mail. 

XXXX? hold up, rep says just got condo info otherwise completed Various calls to rep. Due to delay XXXX missing back page insurance /walls in coverage from XXXX. Emailed them info myself XXXX rep says no deal due 2 income to debt ratio. 

False and verified with XXXX. 
Also : originally with Chase for {$74000.00}. Never late payment ( @ higher rate and less income than now ), & no other debt. 

Now rate increased to 3.1 due to delay by Chase.? either non-competent or 2.9 % with no fees are a come on. 
Detailed reason requested with no response. They cause me yo loose .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2023-05-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX Meadow XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX XXXX Type of Business : - Date of Inquiry : XX/XX/2023 I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
On XX/XX/XXXX I received a statement from Ally regarding the final payment for my stolen XXXX XXXX XXXX. XXXX processed a claim in the amount per the XXXX XXXX  value and thankfully my lease contract had Gap protection built into the plan leaving me only with the insurance deductible of {$500.00} dollars and unpaid late charges of {$120.00}. Upon making my payment I asked the rep if the late fees could be reduced or eliminated She informed me that yes she could take some money off of the late charges but not the insurance deductible as that is what is required per the contract. I thanked her and paid the new amount. A few months later I checked my credit report and it stated that my account was " Paid in full for less than the full balance. '' This is inaccurate as I never paid a reduced amount on the final monthly payment of {$560.00} nor the {$500.00} insurance deductible, only the late fees. Late fees are a penalty to get me to pay and were never referred to or listed/included under the Total loss provisions of the contract. Furthermore, the representative never made mention that by reducing the late fee, my credit report would be negatively impacted and listed as Paid in full for less than balance owed. Ally had a duty to notify me of such to allow me to make the decision to proceed and they failed to do so.

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 2023-05-06
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
WHen i apply and got the credit card from Commenity Bank in XX/XX/XXXX, the offer was if I spend {$500.00}, they will give me {$100.00} back. I use the card spent XXXX XXXXXXXX in the first month, and paid off the balance on time. Now is XX/XX/XXXX, They still have not gave me the {$100.00} bonus. They are claiming need time to investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-02
Company: Experian Information Solutions Inc.
State: NV
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:
Recently XXXX and XXXX  has had a breech where thousands of consumers information got into the hands of others. I have been a victim of identity theft provides police report. Contacted Business to show proof I gave permission for them to pull my credit and still no response. I need these items removed from my credit immediately or either show proof that I requested. I did not authorize anyone to pull my credit.

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 2020-05-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
The Initial dispute was sent on XX/XX/2020 while the 30 Day demand to comply was sent on XX/XX/2020.

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 2023-07-25
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
LAst week, I was contacted by the debt collector virtuoso sourcing RE : a debt with XXXX XXXX in an amount of approximately {$54.00}. this debt was tied to a gas bill. The gas bill was paid directly with XXXX XXXX Upon interrogation, I informed the debt collector that the debt was paid and it was best they communicate with the company for further confirmation. The debt collector wanted to extract more information from me, upon which I informed them I would not be updating or confirming any information and revoked any further phone contact. I have received calls on XX/XX/XXXX ( which I didn't answer ) and XX/XX/XXXX. Upon speaking to the representative, I informed them that I previously revoked permission to communicate with me via phone. The representative told me that I did not revoke permission and continued to interrogate me for new information and payment. I informed the representative that payment has been made to the company and any further communication should be with them, as I revoked permission to call me. The representative continued to make me pay her or prove that I didn't owe. I escalated the call to a supervisor who piggybacked these sentiments initially. I then informed her she was actively commiting a CFPB violation to which she apologized, said I would be added to the do not call list, yet still insisted I make a payment.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-18
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, my partner and I applied for a rate and term refinance on our owner occupied home with loandepot. As of today XX/XX/2020 ( 67 days later ) we have not received an approved or denied status of our application despite numerous requests. Here is a timeline : XX/XX/XXXX - Applied. 
XX/XX/XXXX - Charged {$490.00} for a home appraisal that has not taken place - I would like this refunded to my credit card immediately. 
XX/XX/XXXX - Charged {$20.00} for I don't know what, I assume a credit check? 
XX/XX/XXXX - In writing, loan depot attempted to cancel the loan citing that I did not wish to proceed with the loan. This is absolutely not correct and I clearly stated that verbally and in writing that day. At no time ever have I indicated not wanting to proceed with this loan. 
XXXX XXXX XXXX - Have asked for a status update ~8 times ( 5X verbally, 3X in writing ). Only one time was I given an answer which was that loan documents would be out no later than XX/XX/20, three days ago. 
XX/XX/XXXX - Submitting this cfpb complaint and disputing the {$490.00} charge with my credit card company. 
I would prefer all communication in writing going forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, 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 reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief