BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a re-finance with Chase Bank and was pre-approved starting  XXXX   XXXX   XXXX . The amount was $  XXXX  XXXX 3.50 %  XXXX  points 20 Year  Fixed Loan  re-finance. Any information they requested I gave them back within  48  hours. Its started as a phone call and all papers were sent to my house for the mortgage process. All requests for additional info were done via e-mail. On numerous occasions I felt as though they had very little knowledge on the New York process. I requested the loan be transferred to the New York office but I was told it was not needed because they were the main hub. They constantly requested the same information over and over without reading through my e-mails. I was leaving messages on ther e ( Chase  Arizona ) phone lines and not getting calls back as I requested. Instead they would send e-mails or would just not respond. They gave me  XXXX  extension letters going into  XXXX  on the re-finance because they were extremely overloaded. Then in the last 2 weeks of  XXXX ,  XXXX  they called me and sent e-mails stating that they would be closing on my re-finance by end of  XXXX ,  XXXX .   When the end of month came around and I did not hear from them I sent another e-mail and CC 'd their Attorney. On  XXXX   XXXX  their Attorney e-mailed me back and stated that  CHASE  had decided to DENY my re-finance AND HE WAS EVEN PUZZLED. I never received a phone call, e-mail or any form of mail stating I was DENIED.I left numerous messages and finally someone called me back and stated my Debit to Credit ratio was over their guide lines and they decided to decline me.If that was the case why was I not told in th e 1st  month rather than extending me 3 times for a total of 6 months. The average re-finance takes 45 days and here I am 6 months later getting declined.   I then requested what I needed to do to get this done. They gave me a list of items I needed to pay off prior to closing and then they could go ahead with the re-finance. I agreed to all the requesst and then I requested they send me all the new documents and I would sign.   Ah, but there was  ONE  BIG CATCH TO THIS. I would not receive the original rate of 3.50 % as originally stated. I would have to go to a new higher rate of 4.50 % increasing my payments drastically. I have re-financed loans for my  XXXX  homes on 3 different occasions and never did I receive this blatant rate switch game. I feel that when  CHASE  went to set up closing they realized how low the original rate was and they could never give that to me now without it costing them {$30000.00} to pay down the rate.   I reached out to other financial Institutions and they agreed that being declined after 6 months is totally uncalled for and that I had a real good argument in this case. If  CHASE would have declined me in the first month then I could have tried to get that rate from some other Mortgage Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to 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 2017-05-03
Company: AFNI INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On  XXXX   XXXX  of  XXXX   Afni pl aced a debt on my credit report. The amount owed was for {$56.00} from an account that was supposedly opened on  XXXX / XXXX / XXXX . That information is incorrect. The account was not open on that date and they are in fact trying to re-age an old debt. From my understanding,  Afni  is in violation of section  623 ( 5 ) A  of the FCRA. When I contacted the company to advise them of this, they completely ignored my concerns and attempt to send me an old bill as their response. I am filing a complaint because this matters needs to be handled and off my credit report.     Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to 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 2023-08-08
Company: EQUIFAX, 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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: MD
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian, XXXX, and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. XXXX has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed : 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 non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: CITIBANK, N.A.
State: OK
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:
I received a Citi rewards card in the mail that was applied for with my name and information on XX/XX/2020. The card was received by me on XX/XX/2020. I called the credit card company to inquire as to why I received a credit card and reported to them that the application was done under fraudulent circumstances. They informed me they would cancel the credit card and open a credit fraud case.

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 2022-03-22
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wallet was stolen out of my car in XXXX. It contain my lD and SS card and other docs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I found out today that a joint account I've held for several years with someone granted the joint holder access to all of my individual accounts. USAA as a bank should be shuttered over this violation of trust. All joint accounts should be audited to see if the holders have access to individual accounts that aren't theirs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: BB&T CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is reference to regional acceptance corporation. I have been constantly lied to by this company. I asked them what the amount was that I owed to bring the account current and so I won't get assessed late fees they have given me so many incorrect amounts I go good for 4 month and then they turn around and say I owe late fees or certain hidden fees that I was never made aware of my payments have always been on time have always been met and they are tacking on all these additional fees and they are not willing to wave any of them or explain in a defenate answer what they are in relation too.

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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
MY WALLET WAS STOLEN AND MY IDENTITY

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 2023-05-01
Company: SYNCHRONY FINANCIAL
State: AZ
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:
CareCredit Rewards MasterCard is a credit card that combines the benefit of being a MasterCard that accumulates rewards points but also still allows the promotional financing through in-network CareCredit providers like a traditional CareCredit card. Card holders can have an active revolving balance as well as active promotional balances that are supposed to be interest-free if paid off within a certain timeframe. I am supposed to have XXXX active promotional balances right now that will be interest-free if paid off within 6 months. I also use the card for regular MasterCard purchases to accumulate point and sometimes carry a revolving balance in addition to the XXXX promotional balances. I always pay off the balance on all of my credit cards each month so I do not pay interest. CareCredit keeps applying my payments towards the promotional balances first even though I am still within the interest-free 6-month timeframe. This leaves the revolving balance only and they keep attempting to charge me interest on it. I have requested to them multiple times to first apply my payments to any revolving balance but they do not seem to have a way for their system to automatically do that. I have to contact them when I make a payment and request for my payments to be manually re-allocated to the revolving balance so that I am not charged interest. I always pay off the promotional balances within the specified time frame so I do not pay interest on them. 

I am very mindful of my finances and avoid paying interest at all times, but there are likely cardholders that are unaware of this practice and are being charged interest when they shouldn't be. They are illegally charging cardholders interest by having payments applied to promotional balances that are still within the interest-free time frame. 

Here is the link to the product : https : //www.carecredit.com/mastercard/

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 2022-04-06
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was speaking to a lady on the phone and we are talking about other matters long story short she opened an identity theft case in my name and every time I call Wells Fargo now they say they dont have any information about it probably because someone in the company doesnt like me I dont know but if you want to change that case number here it is XXXX The lady sent me a couple packets one of them was a statement which I will be talking about on my other complaints but for now this is about identity Saft so she sent me the other packet that was over 100 pages XXXX open up a credit card my name spent option {$10000.00} I want that back paid in full

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 2023-10-30
Company: Experian Information Solutions Inc.
State: IL
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2022-08-17
Company: First Technology Federal Credit Union
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I signed up for a campaign with first tech bank which requires me to deposit {$3500.00} per month to qualify for a {$500.00} bonus. While under the small fine print, it says I have to deposit {$3500.00} more than trailing 365 days average deposit, the entire website/app doesn't provide me a way to look up my average deposit amount. While I did deposit {$3500.00} per month for required months, I was later denied of my bonus as they told me that I was not qualified as I was ~ {$50.00} short due to having non-zero trailing 365 days average deposit.

Company response to consumer: Closed with monetary relief