BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: CORELOGIC INC
State: NJ
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:
When my lender tries to pull my credit report it's not showing up because of a technical error or some error. I called XXXX and corelogic and they said there's no freeze on my report. This error is causing me not to be able to get my home loan and needs to be fixed asap. 

XXXX XXXX  has tried to pull my XXXX report numerous times and is unable to. They do not have a problem pulling it from XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, My wife and I were robbed out of a {$400.00} account opening bonus from Citi bank. I opened the account on XX/XX/2020, and followed all of the required activities to get the opening bonus. The required activities are attached for reference. 

While we were waiting to receive the bonus, after depositing over {$15000.00} in the account, we got notice that one of the accounts was being closed because we chose to put all the money into the savings, not the checking. I called Citi Bank to make sure that this would not impact our ability to get the {$400.00} bonus and the person I spoke with assured us it would not, citing the " Cash Bonus '' section of the attached XXXX document. Which says, " The Cash Bonus will be credited within 90 days from the date you complete all Required Activities. At the time the Cash Bonus is paid, it will be credited to the new Eligible Checking Account. If the Eligible Account is closed, then the Cash Bonus will be credited to the Eligible Savings Account. XXXX accounts must be in good standing. '' Sure enough, when the time came to pay up, they did not. That is when I started calling and spoke with XXXX XXXX XXXX XXXX who said we are correct and will get our bonus, then we didn't. XXXX XXXX XXXX XXXX, who said he couldn't find the promotion. Then XXXX XXXX XXXX XXXX XXXX, who said she would look into it and call me back and never did. 

Finally, I got a series of denied promotion letters saying that the reason we didn't get the promotion was that " We show that Checking Account number XXXX was closed on XX/XX/2020, therefore the account is not eligible to receive {$400.00} in fulfillment of Promotion XXXX ''. 

And that was it! They didn't follow their own rules and deposit the cash bonus in our other savings account. I feel like we were lied to, pushed around, passed around, told we would get it, did everything as we should have, double-checked, and STILL didn't get the bonus. There is no way we would have ever open this account if we didn't get the bonus. We are so upset and mad and don't know what else to do. 

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 2023-08-21
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple accounts and questionable items on my credit report. the items that are listed on my credit account shows different balance and dates which are not matching and have not received back anything in over 45 days for these accounts that are clearly inaccurate accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/XXXX 
XXXX The following information is being reported incorrectly. 
Date of last activity shows 3 different dates, and it shows that two different companies owe the same amount. With two different balances. 
XXXX XXXX Shows two different original creditors that are not matching. 
XXXX XXXX shows account status open and the other say closed that's inaccurate. information XXXX shows 3 different dates XXXX shows 2 different balances XXXX XXXX 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. 
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I DEMAND TO KNOW THE REASON/S AS TO WHY THE XXXX XXXX XXXX XXXX  ACCOUNT STILL REMAINS REPORTING NEGATIVELY UNDER XXXX AND TRANSUNION.

XXXX WAS ABLE TO GET IT REMOVED SINCE I STARTED DISPUTING THE INACCURACIES ON : XX/XX/2019, THEY COMPLETELY DELETED THE ACCOUNT FROM MY REPORT ON XX/XX/2019. THIS ACCOUNT REMAINS CHARGED OFF WITH A HIGH BALANCE AND IT IS TRULY HINDERING THE OVERALL HEALTH OF MY CREDIT SCORES. XXXX MANAGED WASH OFF THE ACCOUNT BECAUSE THERE IS NOTHING VERIFIABLE, ACCURATE NOR COMPLETE ABOUT IT. ONCE AGAIN, NEITHER XXXX NOR TRANSUNION HAS RESPONDED BACK TO MY DISPUTES, THIS IS GETTING RIDICULOUS. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE ( FCRA ). PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED COMPLETELY FROM ALL REPORTS.

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 2021-12-14
Company: CBC Companies, 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 do not have a XXXX checking account, someone opened a checking account in my name XX/XX/XXXX which was later closed XX/XX/XXXX. The phone number XXXX does not belong to me, the address the account is registered to i do not and have not lived at this address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: CA
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 have attempted numerous times to correct an inaccurate item on my credit report. I have a collection from XXXXXXXX XXXX XXXX that has drastically increased since they bought the debt in XXXX. I have disputed with the Credit Bureaus 6 times since XXXX of XXXX, and half of the time they would not send me results back. The other times they would state I need to send in a proof it is me disputing ( which I had sent in already ), or validating that the item was accurate. I have sent in statements from the original creditor that the information is clearly inaccurate and violates the FDCPA and the FCRA and have cited the specific statutes in my disputes and have not received any result. 
I was contacted by XXXX XXXX  in XXXX of XXXX attempting to collect on a debt of {$2400.00}. The debt is originally from XXXX for {$1300.00}. Not only is this a drastic increase on the debt, but in XXXX of XXXX they sent me another form of my account balance with a different account balance ( without me paying anything ) of {$2100.00} claimed to be owed. I pulled my credit in XXXX of XXXX and saw that the debt increased yet again to a balance of {$2400.00}. And I pulled it again today to see that this balance is now at {$2700.00}. This is double what the original creditor amount was. I was living in California at the time and the Rosenthal Fair Debt Collection Practice Act and the Federal FDCPA said Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I would like this issue to be resolved as they have clearly violated State and Federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX 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 2021-12-14
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I had XXXX student loan accounts with you. On my credit report, it shows late payments back in 2015. Could you please provide me with proof that I was late on my payments? These late payments are damaging my credit score & affecting my getting approved for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Unbank Company, LLP
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I have not done business here personally but I have accompanied friends who have. The staff is rude, and I believe their CEO is divulging too much personal information on XXXX 's public reviews page.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I have had 6 Hard Credit checks in the past year, the 4 most recent ones are all fraud and have significantly impacted my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried contacting the companies, they tell me they denied the credit and there is nothing they can do, so they instruct me to call Equifax, XXXX, and XXXX. I have done so and placed freezes on all my accounts. They tell me to contact FTC to remove inquiries. The FTC tells me to contact CFPB. This is NOT an easy process for someone just trying to block/report fraud. 

I have uploaded docs from XXXX, and XXXX XXXX ( who didn't hard check my account probably because I already bank with them ). I will continue to reach out to XXXX, XXXX XXXX and XXXX XXXX, but they make it VERY hard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
LoanDepot never honored the rate that my agent from XXXX XXXX  XXXX, Florida branch promised on writing to match the rate 2.875 % from a competitor : XXXX 

The agent agreed the rate with me by email [ Fri, XX/XX/XXXX, XXXX XXXX  ], I cancelled all my negotiation with XXXX and then LoanDepot sneakily sent all the documents to be signed with a higher rate : 2.99 % [ Mon, XX/XX/XXXX at XXXX XXXX ]. 

They kept procrastinating the answer to my complaint during weeks, pushing me to sign 2.99 % disclosures. They intentionally waited until the last minute when I was under pressure to sign or lose the loan and the house. 

I ended up paying one point $ XXXX to lower my rate, and it was deducted from 2.99 %, so the promised rate was never honored. This all happened after several back and forwards and dealing with management. 

I received from threatening to embarrassing communications from LoanDepot 's team, even an email was sent to third parties, to my realtor and to the title company : " this borrower has refused to sign the initial disclosures sent and is questioning every aspect of the process '' [ Fri, XX/XX/XXXX, XXXX XXXX ] And talked about " miss trust '', " haggling '' and threatened not to end up well : " This back and forth haggling and mistrust will not end in a positive or successful transaction. I guarantee it. " [ Thu, XX/XX/XXXX at XXXX XXXX ] LoanDepot should seriously review their unethical behavior, all described here shows no sign of respect for clients, even if you contacting Managers and Customers Service. Poor reviews from clients online are equivalent to the poor opening in shares, after the first day of trading in the stock market this XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please be advised that I have been scammed by a fraudulent company and individual and the payments were authorized and proceeded by your organization. 
I have attached my complaint letter for your reference, I ask you to treat this matter seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
I sent a request of verification concerning a unauthorized inquiry i demand full verification and process of verification under the guidelines of the FCRA and my request has not been met in a timely manner according to the FCRA it has been way over 30 days and according to the FCRA that item must be deleted if not verified within a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to JP Morgan Chase in XX/XX/2019. My homeowner 's insurance was being escrowed by the previous bank. 

My homeowner 's policy renewed on XX/XX/2019. In XX/XX/XXXX, I called Chase to make sure they had gotten the new bill and would be paying it on time. They did not have the bill and told me they would not have called me to tell me they did not have instructions for paying my homeowner 's insurance. They would have just let it lapse and then taken out expensive insurance on my property. 

My insurance agent sent Chase the updated insurance payment info and quote multiple times. They said they hadn't received it. I called with my insurance agent. The Chase representative told us she had the bill but that neither my insurance agent, my insurance company, nor the company I had gotten the policy through were in Chase 's " system ''. As a result, even with the bill and instructions we had sent, Chase could not pay my insurance premium. The Chase agent also told us it would take 60 days to register a new entity into their " system ''. 

My insurance agent told the Chase representative that she was sure her brokerage and the insurance company was in the system as she had other clients with mortgages at Chase who were escrowing their homeowner 's insurance and using the same insurance company. The Chase representative could not find any of these companies. 

My insurance agent and I spent several hours on the phone with Chase trying to resolve this issue. 

At this point my insurance was due in less than a week. I paid the insurance myself. I am now in communication with Chase to refund my monies escrowed for insurance and to stop escrowing my homeowner 's insurance. 

I was told that Chase would only refund my monies if I requested an escrow analysis. I am now being told that because this property is an investment property, Chase requires me to escrow the homeowner 's insurance. It is still not clear to me whether or when Chase will be returning the monies still being held in escrow for the XX/XX/2019 payment that I made myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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:
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 : credence Resource manage ( T-Mobile ) Account name : XXXX XXXX XXXX  Account name : XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXXXXXX  ( 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. 

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 veals.

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