BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: LD Holdings Group, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On the XX/XX/XXXX, @ XXXX l was inquiring about the Refinancing of my mortgage with a lender from Loan Depot and their Loan Rep. XXXX. 
Explaining to XXXX the purpose of refinancing and taking out addictional money for windows to be replaced in our home. 
On their recorded line as he stated to me after gathering particular name and adress, SS # and such further mentioning credit score and the extras, he was encouraging me to lock in my rate ASAP. 
I told him, l drive over the road and needed to get back in touch with him later that evening. 
Later that evening l recontacted LD and the same Rep. After 45 min. discussing the the refi he assured me we needed to get a rate lock at 3.25 annual percentage rate. And if I would accept {$14.00} charge to my bank account, being as a token of a good-faith gesture and we would discuss the matter in the coming days but the {$14.00} down was to get the rate lock at 3.25 %, which was talked into 3.75 % for my benefit of being able to save {$2000.00} on closing the loan, which l agreed it is more than what l 'm current rate is 3.65 % I followed up with the rest of the information insurance declaration page, mortgage statement, last two years XXXX, paycheck stub within the next three to four days. After completing that on the XX/XX/XXXX, so within a week from when I had originally talked with him. It seemingly in the last 2 days on the XX/XX/XXXX the annual percentage rate kept getting higher to what he's saying now will be like 4.65 %. When l initially filed for an FHA Loan, which he had said l could get more money out and a 85 % of mortgage appraisal. And now after having charged the remainder of the Appraisal Fee. 
Now calling on the XX/XX/XXXX, and stating do to policy changes with the FHA Agreement, he was unaware of those changes l would have to resort to a Conventional Loan and the previous interest rates would no longer be good and would move up to 4.65 % APR. 
This all seem confusing & frustating me, but it seems kind of sketchy and more it seems like it's kind of a bait and hook kind of an operation. I previously had applied through the Depot back in the XX/XX/XXXX but I don't know if there's retaliation or just predatory lending practices or maybe things are the way that they said they were. And that he was bad, like I'm bad, for having given you that information a week earlier. 
What else am I to do but check through the expert, or question these kind of practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
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:
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. Account name : Account Name XXXX XXXX  XXXX # XXXX {$410.00} Account name : XXXX XXXX XXXX {$740.00} Account Name : XXXX XXXX XXXX XXXX XXXX 0 % Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX 0 % The XXXX XXXX XXXX {$60.00} 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 2021-10-01
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXXXXXX XXXX  XX/XX/2015 {$540.00}, XXXX XXXX XXXX XXXX {$18000.00}, XXXX XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX accounts Listed in this statement are accounts I just recently reviewed on my credit report. I have contacted the creditors for each account and I have filed an ftc report and nothing have been removed. I have never used or applied for any of these accounts. I am askking if these items please be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: AL
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 : {$670.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
I frequently used an app called XXXX where I would wager money. On XX/XX/2023 someone was able to gain access to my debit card, account informations and other personal details. They then deposited and wagered money on my account as a form of sabotage. I let XXXX know however they refused my response and I then contacted my bank Truist. I told they what happened and I had my account frozen. However, their investigation took only 2 days. They denied my refund since my response was not valid. 

The perosn on the phone asked if I ever done business with XXXX and I said yes however she labeled it as no so as a result Truist saw this as a lie on my end however it was a mistake by the call handler. I called Truist to let them know and they said they can open an appeal but I was never contacted again by them and whenever I contact them they refuse to answer. 

{$2500.00} dollars of a charge was unauthorized by me and Id like these funds reimbursed.

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 2017-05-09
Company: JPMORGAN CHASE & CO.
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:
I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor nor the credit bureau is willing to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent accountant increase appearing on credit report. 
Accounts 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 2021-10-01
Company: EQUIFAX, INC.
State: IL
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted, American Express, via Vertified USPS ( XXXX ), on XX/XX/XXXX, to dispute an alleged account and the balance within 30 days. American Express, received my request, XX/XX/XXXX. But, American Express, failed to respond to my request within 30 days under the Fair Collection Acts, and Ohio Revised Code. Please see the attached letter, and receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: W&A Intermediate Co., LLC
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 have filed a dispute with all 3 credit bureaus about information being incorrect on my credit report which includes name address collection companies. I also informed them that I received a data breach letter from the HCA informing me that my information such as my name address and social had been used by an unauthorized party. I have tried for years to dispute incorrect information reporting on my credit report. I was effected by XXXX  and was sick never hospitalized. And was burnt out from so many attempts and at no point up to recently someone finally said file a dispute at the XXXX, I am a XXXX not sure of alot of things. I dint know what to do until now can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-09-27
Company: GOLDMAN SACHS BANK USA
State: UT
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:
I contacted XXXX XXXX about issues with transactions not showing up on my account on XX/XX/19. There are two transactions in the amount of XXXX that I made and they dont show on the account but are included in my balance. 

I also have not received the rewards pay out for these transactions. Rewards are to be paid out daily per the terms and conditions. 

They said they should appear the next day when I spoke to them on XX/XX/19. I contacted them again on XX/XX/19 and was told it was escalated but they couldnt give me any time frame as to when it would be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My discover card is charging me interest at a point that is unaffordable. 
Id life to pay the card off to get rid of it, and have tried, but no matter how large a payment I make, the interest they charge is sickening. 
Ive been with them since 2008. Ive always paid on time. I am now down to minimum payments because I cant afford their interest. I complained to them and they told me too bad to put it simply. This company is horrible. I refuse to make lump payments as its mostly interest. I cant afford the pay off amount yet of just under {$9000.00}. This is just wrong as Ive been with them for so long and have since then cut my card to shreds. 
I cant pay off half the amount unless in want to pay {$7000.00} due to interest and then another {$7000.00} to pay the card off. 
This company is a scam. Id never have signed up for this had I known they were such liars and crooks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
In XX/XX/2018 I set my Capital One card up for automatic payments. At the end of XXXX the payment was not made. I called customer service and they explained that it was due to the automatic payments being set up and that the payment in XXXX would come out automatically for XXXX and XXXX. The end of XXXX comes and I get an alert from the credit bureau that I have an account 30 days pay due even though the automatic payment had just been made that covered XXXX and XXXX. I was never charged a late fee. I contacted customer service about it and they said they never considered it late, bit the system automatically reported a 30 day late payment and that there was nothing they could do as they don't have those issue anymore due to the laws being changed and that I would need to dispute directly with the bureaus. I disputed with the bureaus several times with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
this issue been going since XX/XX/XXXX, On XXXX i file a dispute with BOA regarding unathorized charge for {$570.00} from XXXX and {$72.00} from XXXX, on XX/XX/XXXX recieved approval claim at my favor for {$640.00} .Then i credited the {$570.00} on XX/XX/XXXX then got debited back on XXXX the & XXXX on XX/XX/XXXX i got the credit again {$570.00} but then it got debit again {$570.00} on XX/XX/XXXX and credit again {$550.00} on XX/XX/XXXX, but on XX/XX/XXXX the {$550.00} got debited again from acct.so i call and case was reopen cause funds missing, so I call again and was told case was resolved at by favor on XX/XX/XXXX, i was never sent no letter or anything regarding this, ok so it was resolved at my favor but stil there was no fund on acct, so i call again and claim was reopen for missing money, ,So on XX/XX/XXXX, Speaking to Claim department regarding issue, i was told that this case been payed, i ask when cause havrnt seen anything funds, so she said that, it says that it was payed in XXXX partial payment refund from XXXX, i try to expain that thise partial payments were for puchase that i return back to XXXX, that doesnt have anything to so with the claim of $ XXXXfrom XXXX and XXXX, because the partial payments from XXXX were only {$210.00}, i tried explaining that these partial payment refunds were for some item that were return back.and to see the amounts of claim and refund s were different and the dates of order s from XXXX were also different , i sent in documents of the items that were return from XXXX, and partial payment s recieved that do not add to my dispute, dispute was only XXXX items and the partial payments were XXXX item, after sending in documentation i have a feeling that they didnt if bother in going over the documents pretending to my claim.im attaching the dispute charges and when money got credited and debited to acct and the partial payment refund that dont have anything to due with claim.

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 2019-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PLEASE NOTE THAT I COMPLETED DEFAULTED/ GIVEN CHOICE ANSWERS TO THE BEST OF MY ABILITY IN ORDER TO SUBMIT. 
On XX/XX/2019, I received an email from Capital One Auto loan thanking the person for enrolling in online payments. I do not and have never had an auto loan/lease with Capital One. I called Capital one several times as well as submitted emails informing them that this account does not belong to me, however this is my email address. I received no assistance and no response via email. 

After several calls and explaining the situation several times to several people. Capital One informed me that there is nothing they can do as I did not have the person 's full account information. My concern is that this person maybe using my information without consent. Additionally, I continues to receive such emails from Capital One. The most recent one, on XX/XX/2019 saying that payment has not been received. 

The account belongs to a XXXX XXXX The account number shown on email is : XXXX This is for a auto loan/lease. 

I would like to know if this person is using more than my email address and for this issue to be rectified as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) has violated several of my rights 15 U.S.C. 1681 Section 602 A. Clearly state that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: NJ
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 am a natural person, I am a living human being, I have rights under 15USC 1681 XXXX and Experian is governed by 15 USC 1681. And they violated my rights numerous of times. I demand this account listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give XXXX and Experian any written permission to furnish this account : XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # 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 2023-05-23
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian was supposed to remove 2 inquiries off my report on XX/XX/2018 it is now XX/XX/18 and the 2 inquiries are still not removed. These inquiries are now over 2 years old and should have been removed

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