BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I reached out to Freedom Mortgage to inquire about different lines of credit that I could obtain in order to renovate my property. Representative XXXX XXXX convinced me that what I was looking for was a Cash Out Loan. As we began the process, he explained that I could cancel at any time before close without charge. After hours of going back and forth and sending paperwork, etc- we got to the very end of the approval process where I needed to sign in order to start the official closing process. Towards the end of providing signatures, XXXX QUICKLY explained away the {$1000.00} Rate Lock Fee page stating that it was in case I cancel during the close process, the fee was for the work that was done by the loan reps. Again, at that point we had been back and forth for hours and I was confused because he originally said that there was no charge to go through the approval or closing process. If they provide you with the recordings, you will hear the discrepancies. 

As soon as I hung up the phone, I reached out to my husband who explained that I was wrongly advised and that what we were looking for was a HELOC not a Cash Out Loan. Within 5 min I called XXXX for him to cancel the process. In the attached documents you will see in yellow highlight/comments that once I completed the signatures, I got off the phone with XXXX around XXXX. I then called him back and emailed him at XXXX to stop the process. 

He took 20 minutes to respond and said that he already ran my card, but that it was likely he could get it back since we were so early in the process. Again, it was my understanding that a rate lock fee is charged only for when the loan team does WORK. Nothing was done because I cancelled within 5 min. 

XXXX XXXX and his manager gave me the run around for 2 weeks and he said that his manager called, but I NEVER received a call from his manager. Having been a loyal paying customer, I feel bamboozled and misled. And I don't feel like they even attempted to get me a refund and the $ XXXX was for what he felt was HIS inconvenience. I never heard back from them in regard to the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
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: Information belongs to someone else

Complaint:
Iam disputing the following accounts XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX DEPART EDU XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX DEPARTMENT OIF EDU XX/XX/XXXX XXXX. These accounts are fraudulent. were done by theft

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 2023-09-10
Company: JPMORGAN CHASE & CO.
State: WI
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:
Today ( XX/XX/XXXX ) I received an email from JP Morgan Chase Bank stating, XXXX, Thanks for applying for a Chase credit card. 

This was not sent to my personal email but actually my parents email. 

XXXX XXXX XXXX XXXX Parents Email XXXX XXXX I did not apply for this card and Im worried someone else may be trying to open this card in my name. I can not contact Chase about this as theyre closed, its past their call center hours, and I cant stop in tomorrow ( XX/XX/XXXX ) because it is a Sunday. I will attempt to contact them on Monday or stop in to XXXX of their locations. 

Additionally, I received an update via email today ( XXXX ) from XXXX stating my credit file has been updated. Upon looking in to the update it says, JPMCB CARD SERVIES got a copy of yourXX/XX/XXXX Credit Report.. I do notice services is misspelled. Not sure what that means or alludes to. 

It goes on to say, JPMCB CARD SERVIES made a Bank XXXX Credit Card Inquiry by checking your XXXX XXXX XXXX. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months.. 

The point is, I did not do any of this or authorize any of this to happen. I do not bank with Chase nor have I ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Iam disputing the following accounts XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX DEPART EDU XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX DEPARTMENT OIF EDU XX/XX/XXXX XXXX. These accounts are fraudulent. were done by theft

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 2023-09-09
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company put a collection under my credit for a debt I do not know of or own, Claiming that I owe them that debt and that they will ruin my credit if not paid. 
Tried telling them that I do not own such debt but they kept on harassing me and using manipulating tactics such as if you dont pay it my boss will take it out of my paycheck and I wont be able to feed my kids which is absurd and threating me with legal actions even after I explained that I dont owe such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a XXXX Checking account online with Capital One bank. I was asked to call XXXX to continue the application. I was told by the representative that my profile is restricted from the year XXXX  that I am not allowed to open any account with Capital One. To my best knowledge, I have never had any involuntary closure of checking/saving account by Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: CITIBANK, N.A.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
My identity theft was last year XX/XX/2022. 
I files complaint at local police department & also files complaint to XXXX about charges. 
My XXXX Credit Card last XXXX # XXXX charged was not authorized by me. 
Its a fraud transaction Credit cards sent statements about my account charges. 
Credit cards company trying collect charges from me but its totally fraudulent transactions.

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 2023-01-08
Company: EQUIFAX, INC.
State: PA
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 is reporting an account to all XXXX credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the XXXX credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting XXXX different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 2 year payment history ) this account is re aged.they are reporting XXXX different high credit amounts {$7000.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the XXXX that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A

few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I deposited a mobile check with Bank of the west it cleared on XX/XX/XXXX. My account was closed on XX/XX/XXXX by Bank of the west and my deposit was kept and nit returned. I have tried calling the check issuer unfortunately Bank of the west has not been able to find this transaction in there system.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: CO
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:
I have submitted a letter to XXXX XXXX XXXX regarding an account they are reporting on my credit report. It is still showing up as an open account, paid collection. 

This account should have never been reported as a collection. This balance was paid with the original creditor. They have not responded to me, they havent removed it from my credit profile.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing a complaint with Experian and XXXX XXXX XXXX. I sent my first verify dispute letter on XX/XX/2023, to Experian. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to XXXX XXXX XXXX, regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to Experian stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. Experian ignored my response and provided no reasonable method of verification on why they verified this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: American First Finance, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing a complaint with XXXX XXXX XXXX and American First Finance. I sent my first verify dispute letter on XX/XX/2023, to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to American First Finance regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
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: Account information incorrect

Complaint:
I am writing to challenge the reporting and compliance on these accounts with -XXXX  XXXX XXXX -XXXX XXXX - XXXX XXXX  XXXX XXXX APTS -XXXX XXXX XXXX APTS -XXXX  -XXXX XXXX APTS These companies are reporting on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that you are reporting a incorrect account numbers There improper procedures are highly damaging to my credit report to my credit score. 
Please immediately delete this items.

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 2023-11-30
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ON XX/XX/XXXX OF XXXX  my card was used by an identity thief, this person used the card to do the following transactions : XX/XX/2023 XXXX XXXX {$2900.00} XX/XX/2023 XXXX XXXX {$2900.00} XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX {$2900.00} XX/XX/20XXXX XXXX {$3500.00} XX/XX/XXXX XXXX {$3800.00} XXXX XXXX {$3300.00} I called the bank to report the card stolen and also to report these charges as fraudulent. 

US BANK conducted an investigation and concluded that all XXXX charges were fraudulent and were properly credited back to my account, it was confirmed a thief used was card. What didnt make sense to me is that the XXXX XXXX were not considered fraudulent when they were made by the same person and same date. 

they sent me proof that supposedly i did it, but as you can see in the attached proof they sent was all made by a fraudster the thief sent the company an expired ID the thief also sent an income tax that i was making XXXX a year working with XXXX. when i only make around XXXX with XXXX XXXX. this makes no sense it is clear here that the thief sent XXXX XXXX fake documents and an expired ID stolen from my wallet. Why would the company accept an expired ID as form of identification? all documents are fake and made by the thief. 

US BANK SHOULD KNOW BETTER, why would US BANK CLOSE MY ACCOUNT after being a victim, US BANK DECIDED TO CLOSE MY ACCOUNT and also charge me more than {$5000.00} USD. this is not fair. I NEED US bank to properly investigate 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 2023-04-22
Company: CAPITAL ONE 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:
To whom, It May Concern : Companies listed below we're not authorize to pull my credit and I would like these inquires removed from my credit reports. I've already reach out numeruos times now and they have failed to do anything. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX I believe it was reported in error XXXX XXXX XXXX XXXX Balance : {$13000.00}

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Address is incorrect. I have never lived at the listed address XXXX XXXX XXXX XXXX XXXX, XXXX. Show me the burden of proof.

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 2021-03-01
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX., in accordance with basel 3 accord and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit Bureau 's Transunion and XXXX has my name and address wrong reporting. I tried to dispute with both companies and they saying its verified and correct but my ID clearly shows what it is. I also sent in my ID in but they still have not corrected the situation. I was a victim of IDENTITY theft and the names that is not right should be deleted asap!

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 2021-03-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
This is the second complaint of this kind. Navient reaches out to random associates of mine some of which I haven't spoken to in decades. These individuals are not listed as references and I have zero idea on how they obtained their information. One went as far as to share this message on social media account. They have shared information about my account with these individuals. I requested via email on XX/XX/2021 which was confirmed received that they have been harassing individuals on my social media that are in no way on any of my applications requesting it to stop and I still receive messages that it is continuing as of today XX/XX/2021. I also explained I work at a XXXX explaining why it would be difficult to reach me by phone and it still continues.

Company response to consumer: Closed with explanation