BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-07
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan is serviced with Loancare. I have been with them since XX/XX/XXXX. I have been watching my escrow balance since XX/XX/XXXX to make sure my property taxes were being paid. Called once to find out who pays the difference because my tax bill came in higher than I had escrowed for. After spending 20-30 minutes on hold, I hung up and decided to wait and check back in. Logged in and checked my account on XX/XX/XXXX and my escrow balance had not gone down at all indicating my taxes had not been paid in XXXX. Started calling and no one in the escrow dept can tell me why they weren't paid or when they will be paid. Today is the last day they can be paid without penalties and I am currently on hold with the company to listen to them tell me they are " escalating '' this. I have been told this since XX/XX/XXXX and today is the 6th time I am calling on this matter. I am now 39 minutes into the phone call, just placed on my 3rd hold because the escalation person I am now speaking with is going to move it up to a 2nd level escalation.

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 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Transunion on XX/XX/21 about credit inquiries on my report that I did not authorize or have any knowledge about and they are refusing to investigate or remove these inquiries 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 explanation
Consumer complaint received 2019-04-02
Company: ID Analytics, Inc.
State: CO
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:
Recently purchased a new vehicle and was approved by XXXX XXXX. A month after driving off the lot, XXXX sends me a notice of " Change in Terms '' due to credit report from XXXX XXXX. They are NOT a credit bureau and if they are, they are not approved to use my credit report. The reporting is off by XXXX points AND they do not have the proper information regarding my report. This is a company owned by XXXX, who run XXXX XXXX, XXXX and others to gain personal data. 

The company XXXX does not have a login for a consumer to update their information and now are posing as a credit monitoring company to institutions such as XXXX XXXX and others. I am not having to finance somewhere else that uses the regulated credit monitoring firms such as XXXX, XXXX, XXXX. 

As as consumer, we have NO recourse whatsoever against fraudulent credit monitoring and scamming. Please do your diligence and remove them from the system. To other consumers, before any credit check, make sure you walk in with your own financing ahead of time. The dealers will shop your credit, while getting a yield on your point spread. Then, you will be at the mercy of the bank they chose, only to reset your terms within the 30 days limit.

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 2023-11-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Under 15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: Arbor Professional Solutions, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent a certified letter to this company to verify and validate this debt in writings several time and nothing have happen i even disputed this debt to all 3 credit bureaus and nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: CA
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Credit Bureau Name : Experian Credit Bureau Address : XXXX XXXX XXXX XXXX, TX XXXX Last 4 of SSN : XXXX RE : XXXX To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payment on ( XXXX ) on the account ( XXXX XXXX XXXX XXXX XXXX. 
This is not true, I was not late on ( XXXX ). I request that you verify the information and update the payment history on this account as PAID, NEVER LATE immediately. 
After doing so please provide me with an updated credit report reflecting the changes. 

Best Regards, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2018-01-05
Company: U.S. BANCORP
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Prepaid Card Services of US Bank indicated to me by letter ( attached ) on XXXX XXXX, 2017 that I would receive a check for US {$500.00} in a period no longer than 10 days as a refund of the stolen money to my card finished in XXXX. 
After waiting 45 days, the check for {$500.00} was never sent. Since I do not know what problem they could have to send the check, in order to solve this problem.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am a victim of identity theft please remove this fraud inquiry 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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: CA
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:
I am just adding documentation to my original complaint under Complaint Number XXXX. The information that I am providing is my tracking number and receipt that I sent my dispute overnight and it was received on XX/XX/2023 and according to the law, after they receive a dispute Experian would have XXXX bus days to respond to me and remove the inaccurate accounts. Its now 16 days later and nothing. I received nothing in my email, mail or anything. I am send this off to Experian again XX/XX/2023.

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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-03-02
Company: CARD Corporation
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I logged onto my card account and saw that my account had been suspended/closed. This was done without any notification from the financial institution. I contacted customer service and was told that I needed to provide proof of identity. I provided copies of my driver 's license, social security card, proof of address, and proof of unemployment benefits. Although I provided ALL requested documents, my account is still showing that is suspended and customer service keeps giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX, I deposited a XXXX check for {$74000.00}. I have the deposit slip. then on XX/XX/XXXX I received my bank statement from US bank ( Bancorp ) for my savings account.. The amount stated above was not applied nor deposited. I called the bank and the statement was the same. I called the local US Bank where I deposited the check and they hemmed and hawed and finally said it was a computer error. I don't believe it.because it would have been on the news like the one that occurred XXXX XXXX,. Then On XXXX XXXX, I went to the bank and they gave me a piece a white paper not USBank stationery and they deposited my money on XX/XX/XXXX, not XX/XX/XXXX. I asked for a letter explaining what happened and they XXXX XXXX, mgr. said they couldn't do that. You can't get the corp number. just the address. XXXX gave me the name of the district mgr. and I will call him on Monday XX/XX/XXXX. I asked for an updated bank statement and she said she could not do that. This is horrible. where is my money.??? Please HelpXXXX 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 2023-11-04
Company: EQUIFAX, INC.
State: CA
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 compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: CA
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 and Equifax are not follow your law Section 605C of the Fair Credit Reporting Act. XXXX removed the items I disputed, but the two CRA 's listed stated that I did not provide the requested information the needed in order to remove the items, address and telephone numbers that I ask to be removed. I provided a copy of the reason why they did not complete the process of removing the inaccurate items. Both XXXX and Equifax stated in their letters that I did not provide the victim determination documentation. This is untrue, I provided the same documents to XXXX and it was also notarized. 

Equifax under confirmation # XXXX letter sent on XX/XX/2023 stated that they sent me out two notices so that they can correct the problem. I only have the one notice which is the only letter they sent me. I will provide a copy of the letters both CRA 's sent to me. I will also include a copy of the letter from XXXX removing the adverse information that resulted from being a victim of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was suppose to close on XX/XX/2022, but on XX/XX/XXXX around XXXX, a representative from Morgan Chase Bank, which I was using do finance a mortgage loan, calls me and tells me that the monthly amount was going to be around {$500.00} more. I asked why, they said because they estimated the taxes wrong. They applied the amount the seller had been paying and that I would have to pay more on taxes because I didnt qualify for the deductions the seller qualified for. I asked them, well, arent you guys working and analyzing numbers for me? And why did this change come up the day before I was supposed to close? I called the title company and asked when the tax information was sent to Chase Bank, they said it was sent to them on the XXXXXXXX XXXX XXXXXXXX. I told Chase bank that this change in payment made it not possible for me to purchase the home and that they should have told me this change in monthly payment way before XX/XX/XXXX, the day before closing, and I could of backed out of the deal and kept my earnest money. I have been trying to work on a solution with Chase bank since XX/XX/XXXX until today, XX/XX/XXXX. Today finally someone from their escalation team called me back and told me they apologized from them dropping the ball on the tax amount but they would not make me whole in my earnest, good faith money I lost on the deal. Its was their fault, they admitted to it and they dont want to repay me the money I lost trying to buy this house. I think its unfair, unprofessional, and them hiding behind supervisors and not facing their mistakes and do the correct thing and repay what I lost. Its not big deal for them because its not their money but it is for me. Its embarrassing, humiliating and disheartening having to tell people, oh no Im sorry, I cant get the home after all, I cant afford it, when its not even me the person who miscalculated the payment amount. Chase Bank should not be doing mortgage loans if they dont know how to add or subtract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
found out XXXX, XXXX XXXX and Equifax are furnishing my account Dept Of ED XXXX XXXX which is a violation of 15 USC 1681a. I have send them a dispute in the mail XX/XX/23, waiting for a respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: GA
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:
I am writing to express my deep frustration and disappointment regarding the multiple unsuccessful attempts I have made to correct a late open account with your institution. Despite my persistent efforts, this issue remains unresolved, causing significant inconvenience and concern. 

The late open account, which has inaccurately been associated with my financial profile, is adversely impacting my creditworthiness and financial stability. I first brought this matter to your attention, and since then, I have made several diligent attempts to rectify it through your organization. Regrettably, my attempts have not yielded any meaningful resolution. 

I initially submitted a request to correct this late open account, providing all the required documentation and evidence to demonstrate its inaccuracy. To my dismay, my request was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second request, reiterating the evidence that this late open account is indeed erroneous. However, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Unfortunately, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the serious consequences of this late open account on my financial well-being. It has hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive investigation into the legitimacy of this late open account and, if found to be erroneous, its swift removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracy and its impact on my credit score. 

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct this late open account immediately : XXXX XXXX XXXX XXXX : {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$28.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$28.00} XXXX XXXX Balance XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This is happening with Equifax, 45 days ago I filed a dispute with Equifax on some hard inquiries. The very next day they dropped my credit score 64 points. It came up 28 points the next month. 18 days ago I filed a dispute with Equifax again over the same thing and they dropped my credit score 82 points the very next day. In both complaints it took approx 17 days to investigate. Why did my credit score drop the day after the dispute. I have tried multiple times to get thru to them with different phone number with negative results. My name is XXXX XXXX address is XXXX XXXX XXXX Ga XXXX phone is XXXX.

Company response to consumer: Closed with explanation