BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: PRIMARY RESIDENTIAL MORTGAGE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a closing for a house on XX/XX/2018 I had a problem with the real estate agent the closing company and the mortgage company all working together to Defraud me and overcharge me in many different way Violating many of the respa laws. XXXX XXXX  XXXX settlement company and Primary residential mortgage.i believe I am a victim of fraud at my closing.I have three different settlement statements I was told by my title company that I forgot to sign a HUD  form for the sellers morgage company in a short sale the day after closing. And they sent me a letter to sign giving them power of attorney to sign the HUD-1 form.i later requested a copy and all the fees were different. I have proof of everything and I believe the real estate agent mortgage broker and Title Company were all working together. The real estate agent was also trying to tell me that I had to pay the property taxes in advance and reimburse the sellers the same amount for taxes they paid in advance and the same time paying them to Escrow account so they were trying to charge me 3 times. And they charged the seller for the same thing and the mortgage company told me that I must not try use another mortgage company because if they run my credit it will lower my score and I will loss the short sale and Also she was trying to talk me out of putting a {$50000.00} deposit and I couldn't understand why till I realized that she would make more money with a larger mortgage.and the interest rate was not 4.5 like they told me it was 5.75 I have all the hud statements even the one they sighed for me without me being present.it is very confusing and it took me months to figure it out .and the last thing they did was Camouflaged a huge crack in the foundation and the settlement of the house would with shelves and household items they left with for the purchase. XXXX XXXX purchased the mortgage from primary residential mortgage I submitted a claim for XXXX XXXX about the different Hud statements they did their investigation in 20 days and send me a letter stating that everything looked good which I'm a 100 % positive that each item they charge me for is different.that why I am contact this agency

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Mr. Cooper Group Inc.
State: HI
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:
Last year, we entered a forebearance with our mortgage company. However, in XXXX, my loan was transferred to Mr. Cooper ( Nationstar ). My forbearance ended in XXXX and at that time Mr. Cooper only gave me an option to to a loan modification. We paid as required in XXXX, XXXX ands XXXX. However, on XX/XX/XXXX, I noticed my credit score dropped nearly 200 points due to my mortgage company reporting negatively on my account. I have been trying via phone, email and messaging on their website for a resolution and it still has not been corrected. It has been nearly 3 months and my credit score is still extremely low. No one calls me back or gives me an answer every time I contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: VA
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:
All 3 major credit bureaus performed retaliatory actions and sunk my credit score by almost 80 points after I filed a complaint against their illegal reporting of my credit. This is illegal and disgraceful and must stop!

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 2020-04-06
Company: JPMORGAN CHASE & CO.
State: TX
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:
For the past year Jp Morgan Chase Bank has been reporting that I have a XXXX charge off on XX/XX/2015 which is inaccurate and untrue. 
When I contacted Jp Morgan Chase Bank and sent them a debt validation letter pursuant to the The Texas Finance Code And The Fair Debt Collection Practices Act they sent back incorrect information, The information they sent me to validate the debt, was an old credit card application and had a date of birth, that was not mine as well as a social security number and an address that did not belong to me. When I contacted Jp Morgan Chase Bank with a current copy of my drivers licence and my social security number proving that this was not me and the information was inaccurate and untrue, Jp Morgan Chase Bank refused to respond. When a data furnisher is aware that the information ON A CREDIT REPORT IS INACCURATE AND UNTRUE, Under The Fair Credit reporting act the information is required to be removed from the consumers credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my student loans from Edfinancial XXXX XXXX XXXX XXXX ( XXXX ) and the funds were disbursed from XXXX on XX/XX/2023. Since then I have been constantly communicating with Edfinancial about why they have no processed the loan payoff from the refinance yet. All the information that they have provided me is that they have not received the payment & have not processed it yet. 

With payments now being due on the Edfinancial loans, they have been absolutely no help in getting this resolved when I no longer owe them these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Dear Sir/Madam, I have tried to use the XXXX to get my Equifax credit report since the beginning of the year but failed. After I entered my personal information as instructed and chose Equifax, XXXX redirected me to Equifax website. Equifax then further required me to put my name and contact info to verify my identity. However, Equifax says " its system can't process my request '' after that even though I could verify my information was correct on Equifax 's own portal or customer care representative ( CSR ). 

The request for Equifax credit report worked in last year and before but it stopped working earlier this year. I contacted Equifax to report this issue on XX/XX/2022. The CSR could not figure out the reason and solve it. I requested to open a ticket but I still have not heard anything. And the problem persists. Equifax should investigate the issue and fix the glitches as soon as possible. Thank you! 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I paid XXXX {$2400.00} deposit for a property that I and XXXX other people were going to rent for a that was planned from XX/XX/2021 - XX/XX/2021 with my Capital One Credit Card. I made my last two payments on XX/XX/2021. The first payment was for {$1000.00} and the other {$1600.00} for a total of {$5000.00}. This was for an exclusive upscale house rental for 7 days. The house was very very unsanitary. I contacted the owner, XXXX and after no results Capital One to dispute the charge because of the living conditions we had to settle for. They put in a dispute for the {$1600.00} and said the {$1000.00} was returned for the deposit. They said the could not do anything about the {$2400.00} because it had pass their 6 months return policy and their was nothing they could do to recover my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: NY
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:
As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
PNCs takeover of BBVA Compass has been a nightmare for our family. Its also been terrible for our business ( payroll for almost XXXX people! ) but I will stick to our personal banking situation. Our debit cards do not reliably work for transactions in person, online, or for ATM withdrawals. Weve resorted to always carrying an XXXX XXXX card with us at all times. Weve had major and minor transactions declined and feel as though our money is held hostage by PNC. In conversations with various retailers at the point of sale they say that they hear complaints about PNC all the time. I handed my card to a gas station attendant a few moments ago and she said oh I hate this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Previously held a secured card lost wallet and card account enrolled in auto pay unable to stop payments as they restricted online access and prevented me from correcting this resulted in returned payment and they closed my account and whats worse is they blacklisted me for life it appears I have spoken with multiple reps and supervisors that stated I was blacklisted and would likely never be eligible for a discover card in my life which was crazy because they have seen things people did intentionally or people not pay at all and not even have this happen. 

I was advised they submitted a request to reopen the account immediately and remove any such hold on my account as it should not be present neither happened and they blacklisted me for something that had nothing to do with me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: BBVA FINANCIAL CORPORATION
State: TX
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:
For the past 5 months BBVA Compass Bank has been reporting that I was 30 days late with my XXXX monthly payment. 
I spoke with customer service who promised me they would correct this but they never did, I also wrote BBVA addressing this issue and each time they never complied even though I showed proof that the account was never late. Although BBVA Compass was unable to show proof that the account was late when I requested the needed documentation pursuant to the fair credit reporting act, they refused to provide any proof that the account was 30 days late. I even spoke with a branch manager previouisly who assured me the derogatory information would be removed BBVA Compass Bank continued to report that I was late on XX/XX/2019. When I sent BBVA Compass Bank a final demand letter they sent me a response letter. The letter that BBVA Compass Bank sent informed me that due to my current credit scores they were closing out my XXXX line of credit. 
This makes no sense as my credit score is higher now then it was when BBVA Compass Bank issued the line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Application was denied I was placed on hold for XXXX mins and the high risk fraud dept was giving me hard time and then he ask that I take a selfie and my ID front and back then placed me on hold again for another XXXX mins. Then he comes back and said that they need a letter from my bank and I explained to him that my bank dont offer that because I have a online only bank I had for 5 years and I dont bank with any major banks. After he looked at my selfies and my ID for very long time and ask for more documentation from me believe Ive been discriminated based on my race which XXXX XXXX XXXX and they been giving me hard time and I cant produce a letter from my bank I dont want risk any account closure from my bank and I cant apply for any other banks I have a bad credit with banking history and again I believe this is discrimination Based on the selfies I send to American Express Application number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: LA
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:
XXXX, Equifax and XXXX credit reporting agencies or persons has violated the following fair credit reporting act sections on my consumer reports : 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting, 15 U.S. Code 1681e - Compliance procedures- ( a ) Identity and purposes of credit users, 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, 15 U.S. Code 1681a - Definitions ; rules of construction, and 15 U.S. Code 1666b - Timing of payments. XXXX is reporting the following accounts and information violating the laws I listed above : 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 

Equifax is reporting the following accounts violating the fair credit reporting act laws listed above : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account reporting XXXX {$140.00} balance with no creditor or person information. 

XXXX is reporting the following accounts violating the fair credit reporting act laws listed above : 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  I've also attached the fair credit reporting act laws so the person can read the laws they violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am having a problem with getting resolution in regards to the inaccurate items on my credit report. I have sent in over 20 certified letters that include a copy of my drivers license, current utility bill and any verification to coincide with what I am trying to rectify. Equifax is reporting inaccurate information which has been harmful with my daily living. There are inquiries on my report from the same business, the same day. I have not asked for any credit with this business. Also, my personal information is incorrect and I have sent in proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am unable to perform a credit freeze online with Experian through their website ( https : //www.experian.com/freeze/center.html ). I have tried several times over several days ( XX/XX/2020, XX/XX/2020 ). Despite being able to manage freezes ( with both XXXX and XXXX ), Experian always fails to verify my information despite it being accurate and correct and instead requires me to mail the request to them to perform the freeze. 

Experian intentionally makes the process difficult and slow. I should not be required to mail this request to Experian, which additionally requires mailing my ssn, copys of bills, license, etc., to freeze 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 explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation