BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is literally the only way to contact Loancare , LLC, unless you want to spend over an hour on the phone and not have your issue resolved. The company needs to provide a help email or a contact person. 

Per my prior complaints, I have returned the {$5300.00} to Loancare, which they mistakenly sent to me. However, my next payment is still {$100.00} higher than my payment prior to my loan being transferred to Loancare. I would like them to conduct another escrow analysis and finally get this corrected. Additionally, a contact name or email would be appreciated.

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 2021-04-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to refinance my mortgage that has an interest rate with Chase of of 7.25 % to a FNMA HomeStyle mortgage with XXXX XXXX XXXX XXXX ( XXXX ) at an interest rate of 3.5 %. Chase has been holding up the closing of the refinance due to their attorney being non-responsive and now telling the closing attorney for XXXX that it is going to take another four to six weeks to get the documents signed. In the meantime, the contractor is on hold, the costs of building materials continues to increase, I continue to have to pay over double in interest, am incurring fees to update the appraisal and extend out the lock period. 

Per Chase file was sent to their attorney in XX/XX/XXXX as I had started the process of refinancing from Chase to XXXX. 
As of XX/XX/XXXX, XXXX  closing attorney was waiting for a corrected assignment of mortgage ( AOM ) for the CEMA docs from Chase attorney. XXXX attorney made multiple attempts to reach and obtain the corrected document between XX/XX/XXXX and XX/XX/XXXX to no avail. I called Chase on XX/XX/XXXX. The Chase representative stated that they would reach out to their attorney to expedite. I called Chase again on XX/XX/XXXX as the PHMC attorney was still not getting a response from the Chase attorney. I advised Chase that I would be putting in a complaint with the CFPB. The PHMC attorney received the corrected ( AOM ) shortly after I hung up from speaking with Chase. This morning I have been advised by the XXXX attorney that the Chase attorney is now stating that the turnaround time to get the signed documents is four to six weeks. In the meantime, Chase has not hesitated to continue to send me information on how quickly they could complete a refinance for me. 
This is causing me stress and a serious financial hardship. It may well also adversely affect the appraisal. My appraisal is based off of the after improved value of my home after the repairs and renovations are completed but the continued delays are causing an issue with the scheduling of the contractor and the costs of the materials is increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: WELLS FARGO & COMPANY
State: WV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
From the moment I tried making my first deposit received nothing but the run around. Came through to get {$500.00} out in the drive thru had to come inside. XXXX was XXXX people deep and decided to close account and withdraw my $ XXXX. Was told they didnt have enough cash to give me, and could do a cashiers check. Been waiting for over and hour and XXXX min to get it done. Provided license and a credit card along with phone with text message verified by bank. 

Have had nothing but problems. Holds on checks. Couldnt wire funds. No assistance at banks but at XXXX XXXX. Had to go inside the bank again to get my account unlocked. Had this account less than a month. 

Banks should not be able to hold your funds. This bank at XXXX XXXX XXXX XXXX, XXXX FL said they didnt have the funds to give me. Then how are they doing business? Why would I need to wait to get my money. This bank should be shut completely down. How many people are they taking advantage of?

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 2023-08-16
Company: Experian Information Solutions Inc.
State: KY
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 following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
See the attached documents.

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 2020-02-14
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I Submit through the mail to XXXX  Equifax and XXXX XXXX Deletions to  credit report According to the provision of the fair credit reporting act 611 ( a ) 15 USC 1681j ( a ) to all three credit bureaus Failed to send me the names addresses and numbers of the people they contacted during the investigation to get these negative items removed they sent me updated reports but they are not accurate and they never sent me the information of who they contacted for the items that was not removed some items were removed and some items were not they never contacted me about who they contacted doing their investigation with the names, phone number, and address so that I could do my part to follow up on The investigation of why the items have not been removed thanks and god bless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing a complaint to this company because I am certain that they have violated my consumer rights by not providing validation of debt upon my request in XX/XX/2023 in a timely matter. Also, after carefully reviewing my report i noticed some inaccuracies being reported on my consumer file from this company. Under FCRA law 15 USC 1681s ( 2 ) lenders have an obligation to report accurate and factual information on a consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: WI
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 formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXXXXXX XXXX Balance : {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$58000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXXXXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXXXXXX Balance : {$2200.00} .

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 2019-06-13
Company: Central States Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried disputing this with XXXX. The debt isnt mine, I have never been to this facility. I have expressed my concern tbat someone has used my information in order to get out of paying their medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
What been I happening is I been waiting for closure check from chime for the past 8 month and they have yet to sent it so there been a couple issue when I file a dispute from XXXX they closed my closed my account I did first ask why they closed it over the phone and they couldnt give me a answer so then I ask if they could possibly reopen it because I had {$100.00} and I a didnt know they was closing my account if I knew I would took that money out of my account but the dispute amount {$1400.00} and they finished the dispute on XX/XX/XXXX but I still have not got it but I have proof of all the email and I told them the address was on file I dont live there so I believe they kept resending the check to my new address and the 3 month I provided new document proof of new address and they never got it until XX/XX/XXXX so they email me the amount they was sending and said it will be XXXX business day and I figure I would get the money by XXXX but no still dont have it and then all of sudden they telling me they sent it on XXXX to the new address and that a lie because they updated and confirm to me they have the address on file on XX/XX/XXXX and then there time they said no money is owe to me at this time then I have other response I get my check XXXX business expedite shipping but get not got it and they know it was part of my college money I really needed at the time around XXXX before my spring semester was over and I was in financial hold and I was also need to buy me a computer for this semester for school and I never experience a bank like that and then I also ask them if someone possibly cash that check since they sent it at the old address and if it was there need to be investigated but couldnt even tell me answer and I also called chime over the phone but they cant even help me and also supervisor and with supervisor are supposed to fix certain situation but how they do it they contact chime support and they would have to sent me email and I ask for tracking number and never give it to me through email and also over the phone and It been stressful

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: FL
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In 2011 we were given an offer to redo our loan so we could afford the payments. They did not XXXX or that, took back the offer and we had to go bankrupt and short sell the house.

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 2023-08-16
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 a victim of identity theft i want all the fraudulant accounts removed and blocked

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 2020-03-29
Company: EQUIFAX, 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:
I AM SUBMITTING THESE DOCUMENTS ON MY OWN BEHALF. I WILL ASLO UPLOAD THEM IN ONLINE. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THEM. I HAVE ALSO BEEN AFFECTED BY A BREACH OF EQUIFAXS INFORMATION. Send in information via CFPB to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that XXXX  allows to do a soft inquiry on my credit profile. I would like for XXXX   and Equifax to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. Several accounts were successfully opened in my names that are fraudulent and Id like to that them removed immediately. This information is listed below, ALL accounts and hard inquires that are a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX XXXX GM card and all GM card customers was purchased by Goldman Sachs, the new card was called a Marcus GM card. Starting mid XX/XX/XXXX  the database transitioning caused my monthly payment I had scheduled XXXX XXXX to fail to post on the XXXX. It took them 2 to 3 months for them to find the missed payment before I was notified and their database was not working. Late fees and interest on my new monthly statements were adding up and hrs on the phone to get a customer service. On XX/XX/XXXX, I called Marcus to request a payoff total, I was informed {$60.00}. I made that payment, on the phone, my balance should have been {$0.00}. Along comes another statement, the payment I made should have been, {$89.00}, more interest and a {$40.00} late fee, their customer service on XX/XX/XXXX, gave me the wrong payoff amount. The statement dates were, XXXX XXXX XXXX XXXX XXXX XXXX  On XXXX XXXX, I made another payment of, {$69.00}, I was informed that was the best way to avoid more fees and interest, also to dispute the {$40.00} and the {$0.00} interest. On statement dated, XXXX XXXX XXXX XXXX XXXX XXXX, there is a {$29.00} fee charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-21
Company: EQUIFAX, INC.
State: NJ
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 a written request to verified accounts that appear on m y credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts. 
An FTC complaint could not be filed due to government closure and a police report will be filed soon. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX 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 an account without my written instructions.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hey I looked at my credit report and noticed many accounts and other items that doesnt relate to anything I have done

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : {$3700.00} 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 2022-10-29
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX XXXX is in violation of 20 U.S.C. 1232g ; 34 CFR Part 99 and the Privacy Act of 1974. They shared information without my consent and it is damaging my consumer report and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: SYNCHRONY FINANCIAL
State: ID
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 did not authorize this account and did not open this account. Please repair my credit report immediately. I have a sister with the same birthday who may have been compromised because she also had tax fraud from XXXX  by an unknown person. 

I believe this 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 explanation