BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This company is my current mortgage servicing company for the past 10 years or so, they took the servicing after my mortgage company went bankrupt during the housing crisis around XXXX. Now refusing to refinance my loan now. 
I lost my job in XXXX while I was on leave of absence due to XXXX XXXX, which pushed me in to financial trouble and was having hard time to pay the mortgage. I wrote to my lender about my situation and they modified my loan to an affordable monthly plan using then available XXXX  XXXX  's mortgage assistance program. They split my loan in to two portions. an interest free $ XXXX loan and a second loan for rest of the amount with 4.5 % interest. The officer in-charge for my loan at the bank explained that the $ XXXX loan will stay as a hidden loan without gaining any interest till I pay off the second loan. Or it will be due if ever try to sell the house, but refinancing would not be a problem at any time I want to, if I find any lower interest rate any time in future. That is when I signed the loan. 
Now that the interest rates are very low and when I tried to refinance the house, they denied. In the past 7 years since the modification, I was never late for any monthly payments. I kept a clean payment history/record. Due to my financial trouble then, I had to file bankruptcy, because of this, my loan is not reported to credit bureaus, which makes it harder to get a loan from another lender. The mortgage company trapped me in with this unmodifiable loan for rest of my life at this interest rate. I also have a very high interest HERO loan for the solar I installed on home. For almost five years now I am paying that high interest. I was just trying to combine the second loan with the HERO at the current available lower interest rate to lower my payment because I am going through financial trouble due to COVID-19. My wife just got leadoff from her job after 13 years of service when they shut down the refinery she works, due to COVID-19. 
Bank gave excuses from refinancing the loan and asked me to withdraw my refinance application without denying the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2020-09-26
Company: Credit Card Receivables Fund Incorporated
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi and how are you doing during Covid19? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: Account status incorrect

Complaint:
This is XXXX XXXX and I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX Balance {$35000.00} XXXX XXXX Balance {$360.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Balance {$520.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$960.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXInquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX CA Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. Please Comply with the Federal Law, Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed as soon as possible.

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 2019-10-09
Company: U.S. BANCORP
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
This credit card was sent to me without me applying for it while I was unemployed. Now I am unemployed again and not receiving unemployment so I dont believe I should have to pay for it since it was illegally taken out.

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 2020-05-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I OBTAINED AN AUTO LOAN ON XXXX XXXX, IT IS NOT REPORTING ON MY CREDIT REPORT, I NEED THE AUTO LOAN THAT I HAVE WITH XXXX XXXX XXXX TO BE REPORTING ON ALL THREE OF THE CREDIT BUREAUS,

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 2023-04-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
My MoneyGram account was unfairly closed for baseless reasons and false alarm on their automated system, even after filing for appeal, it was not considered and they decided to close the account. l wanted to transfer around {$300.00} to my own bank account abroad. But after initiating the transaction MoneyGram suddenly closed my account based on false accusations, telling it was a high risk activity. I am not involved in any High risk activity, you can check and do any identity verification of you want. I am a genuine, clean and honest customer using the service to transfer between my own accounts. I can provide my bank statements or identity documents, paychecks/source of income if you would like to verify. The transfer was between my own XXXX XXXX Account in US  to My XXXX XXXX Bank Account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Back in XX/XX/2020, 2 of my capital one accounts have been closed without my knowledge after I have made a payment from my savings account that went through and even after I have called and disputed this they told me they can not help me and to just pay off the amount and since its closed no interest or anything will accrue. Yet they now hit my credit report TWICE with 30 day past due delinquency along with interest charge AND a a late fee ON TOP of my initial payment tried contacting them again about my finacial hardship and could not get through multiple times I was hung up on .Which is not correct at all. This needs to be addressed and Im tired of being given false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: GA
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 checked my credit reports last week. XXXX and XXXX are reporting accurate information. Equifax is not reporting any of my information, but instead someone else 's. I have contacted Equifax several times about it and they keep telling me they see my information. However, I keep telling them I am looking at someone else SSN and even gave it to them. 

Now this other person 's credit report is being pulled whenever I apply for something and I have been denied housing because of this. I am at the brink of homelessness, due to the negligence. I have submitted documents online to prove that this was not me, however, they have done nothing to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting 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:
There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- -XXXX XXXX  XXXX, on XX/XX/2023 -- -XXXX, on XX/XX/2023 -- -XXXX XXXX, on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Social Finance, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello customer financial government, Company Sofi money, at date XXXX XXXX time as XXXX XXXX clock XXXX send me email and sms, too frozen/restricted my Sofi money checking account, without provide any reason or alert, I trying contact Sofi money team by email too, they said don't have anything information about it too, said the Sofi security team don't do this too need contact to phone number security team XXXX unable reach them phone., I leave 5 time voicemail record for back to nobody back too call many time on time security team have work, reply automatically record women, '' say all lines are busy leave record voicemail or trying call later '', the security team no work 24/7 for customers too on time work hide too unable to reach for reslove problem, the Sofi money team no work together with security team for reslove problem for customer as service need be in few minutes, I already have frozen account 72 hour without reason, too i also trying contact with in email senior team Sofi, name XXXX, XXXX, XXXX, no one reply back, on Sofi money contact email with agents XXXX, XXXX by chat application agents with XXXX, XXXX, XXXX, all those reply without able resolve problem with security team for my unfrozen account, they only said filling complain to CEO Sofi too all time said contact to security team phone, without unable reach them. It's treat are abuse too scary customers too new customers, too hurt to customers for nothing, frozen account leave customer without own money using too no one help, it's very big damage to customers sofi and damage Sofi company, customer no need scared hold money in Sofi, customer need have confidence and trust product. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-04-20
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2021-04-02
Company: AMERISAVE MORTGAGE CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the process to refinance an existing loan with Amerisave Mortgage on XX/XX/XXXX. Since then, I have provided all financial documents requested. I noticed that I had a new loan originator assigned to me and inquired why I had someone new assigned to me. I noticed that the online portal stated that I needed to complete the loan application and inquired why it stated that I needed to fill out the loan application if I had already done so. 

On XX/XX/XXXX, my loan processor requested that I send her information about my retirement account. I provided the information to her on XX/XX/XXXX. Amerisave requested a payout amount from my mortgage company and I was told that my loan was in underwriting. 

Since XX/XX/XXXX, I have repeatedly ( eight phone calls and at least 3 emails ) contacted the loan processor and others at Amerisave to check on the status of my loan. I have received zero responses regarding the status of my loan ( no returned phone calls nor emails ). I am concerned that the loan company is trying to let the time run out so that they don't have to honor the loan application.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a check of {$5000.00} on XX/XX/XXXX into my Chase Checking account. The Check was written from XXXX 's by my parents. 
Chase cashed the check on XX/XX/XXXX and is withholding the money from my account. I called Chase and they said they are holding up the transaction because of potential fraud and froze my account. Asking me why did they write this check to me etc. 
I was told by Chase in order to unfreeze my account, we need to go to XXXX 's bank with my Dad to confirm the check was real. We did this in person. 
Then was and then told I need to go to a Chase branch to confirm this as well.

We did this and it was confirmed by the bank manager at the XXXX location. 

We showed two forms of ID. They unfroze my account but wont cash or give the money back to my parents account. 
The Chase branch couldnt even get through to there own people. The Chase fraud division never heard of XXXX bank and kept calling a bank in Minnesota. We were all shaking our heads. This whole process took XXXX hours and the check is still on hold. 
I have a mortgage with chase and have perfect credit. I have a credit card with them as well. Not sure what else I can do. I would appreciate your help with this matter. 
Personal note. My Dad showed his drivers license and his XXXX picture veterans affairs card. They said they need more info. He had to give them his chase credit card for them to approve his identity. The people were rude and unhelpful in the phone. The bank manager and XXXX at the chase branch were very nice and helpful but still apparently couldnt resolved this Thank you

Company response to consumer: Closed with explanation