BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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.

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 2019-01-18
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage through LoanDepot Direct/Online, went house hunting, found a house, made an offer, got accepted and locked down the loan with them. They stated the appraisal needed to be paid upfront ( {$490.00} ) and wouldn't be performed until I gave the go-ahead. I had the property inspections and decided not to proceed/cancelled escrow. I notified LoanDepot the same day I cancelled to not perform the appraisal and they acknowledged. A few days later I received an email with results of the appraisal being performed. LoanDepot guaranteed the full appraisal cost would be refunded because of a breakdown in communication where the local appraiser was not notified to cancel in time. Believing I would be refunded, I continued to look at houses. 
I found another house, submitted an offer, got accepted and went into escrow. Before paying the appraisal fee upfront ( {$420.00} this time ) and locking the loan, I asked the LoanDepot agent to CONFIRM that appraisal would not be performed until I gave the go ahead and he assured me it wouldn't happen again. Same scenario as the first time. I performed inspections, backed out of escrow and notified LD agent to cancel and CONFIRM the appraisal wouldn't happen. I then get another email a few days after cancelling escrow that appraisal has been performed again. 
Numerous emails, phone calls, voicemails and weeks later, I got fed up and opened 2 claims with the credit card company I had used to pay for the appraisals upfront. 
On the first claim, LD then refunded {$340.00} and the credit card insurance covered the rest for a total of {$490.00}. 
I just got notice yesterday that the second claim was rejected because they had already paid {$340.00} on it ( this was from the first claim ). It's been about 3+ months since the original transactions. 
I'm hoping this is a mix-up but I doubt it the way that LoanDepot ignored my contacts. I'm reaching out to my credit card company to see if I can fight this resolution. 
If anyone can help me I'd appreciate it! I have email and voicemail proof to back up my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: NY
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 convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: CBC Companies, Inc.
State: NV
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:
I want to file this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: ACIMA CREDIT, LLC
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:
In XX/XX/XXXX, I reached out Acima to ask questions concerning a disturbing hit on my credit report concerning the purchase of a bed, that I had no clue in regards to this purchase! This company stated I did an over the phone settlement in which that was not true bc I have been fighting legally to remove items that where and have been removed due to proof of these items not being mine! During this time, I was not living at this residence! I moved out XX/XX/XXXX right after the delivery of my XXXX! Neither did they speak to me, my exhusband was living at this address along with his companion. On XX/XX/XXXX I received an UNSIGNED contract from ACIMA.I have vehemently asked ACIMA for a voice recording to verify my voice and a signed contract bearing my signature in which they have not provided either! I have gone to the sir named furniture company which is under New Management to ask for a secured contract and they had no clue and could not present me one!!! I have disputed this through XXXX for a consecutive 7 months and they repeatedly continue to update it after I have sent them the contract bearing no signature! In my research, according to the Fair Credit Reporting Act, if there is a significant proof of my signature this has to be removed if not given in 30 days and its been 7 months! Please I am asking for your reinforcement and assistance with removing this from my credit report! I dont have bad credit at all, I am integral concerning debt! Please assist me! I believe that XXXX is not taking the tone to research my dispute but have repeatedly ran my letters through the processor of scanning letters and has not taken the proper and integral steps according to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure requested. Every month they and ACIMA are in contempt of the 30 day required timeline to supply proof with my signature. I am trying to purchase a home and this is a derogatory and Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
State: NM
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
HI IVE BEEN TRYING TO SUBMIT DOCS TO THE 3 CRAs and have not gotten anything done. I have not been able to rectify the errors on my consumer report and I need help with this, thanks

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Multiple times prior I have sent in my FTC report and stated that accounts from XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Are fraudulent sent my FTC reports and identified I knew my rights of 609 and 605b under the credit reporting act with only to be told these items were verified. My most recent dispute received by transunion that was started on XXXX first I stated under 611 of the FCRA I request the methods in which these item were which I did not receive. After I started sending my disputes I no longer have access to my online reports which has been going on for several months which I believe to be retaliatory because of my disputes. These accounts are fraudulent I have asked in a response previously on this platform how can I prove these items are fraudulent besides my FTC reports with no response. I have sent in my documents showing that these accounts are fraudulent. I requested the documents used to verify these fraudulent accounts with no response. Also to be noted XXXX & XXXX removed these accounts because of the determination of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Acra Intermediate Holdings, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2023, we closed on a property purchase using an 80 % Loan to Cost loan from ACRA Lending located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. The servicer is Citadel Servicing Corporation XXXX Acra Lending, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Our lender communicated a specific rate of 9.99 % through out the negotiation process, upon which we based the transaction and the purchase. We inquired several times and were assured of the closing terms as agreed. However, at the closing table, the documents reflected an 11.25 % rate, very different from what had been represented.t o us all along. We requested clarification and have been unable to obtain a satisfactory remedy from the lender. Their response was that there was nothing they could do about the change, that while they did not communicate the change in the rate and led us to believe our original rate was unchanged, they were not obligated to provide disclosure. 

As customers, we believe we were adversely disadvantaged by the lenders unfair change to the rate as previously agreed to. In addition, their slowness and incompleteness of communication had a real impact on the transaction including closing delays and timeline extended, leading to loss of revenue on the lease. Our resulting loan settlement required significantly more cash to close, there were multiple appraisal revaluations, unclear communication of certain terms ( such as the prepayment penalty ) and most impactful of all, the change in the rate I am filing this CFPB complaint unsuccessfully resolving the matter with the lender.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have summitted several disputes to all 3 major credit reporting bureaus ( Experian/Equifax/TransUnion ) in regards to my XXXX XXXX XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notification stating the account has either been updated or verified as accurate. To date TransUnion and XXXX report a high balance of {$17000.00}. XXXX is reporting a high balance of {$16000.00}. TransUnion is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXX is reporting date of last activity as XX/XX/XXXX. TransUnion and XXXX are reporting this account as derogatory. XXXX is reporting this account as " PAID ''! TransUnion and XXXX are reporting date of last payment as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last payment as XX/XX/XXXXXXXX XXXXXXXX is reporting an XXXX and XX/XX/XXXX payment history as PAID while XXXX reports them as 30 and 60 days late? which is it? did I pay or not? TransUnion report no payment history at all. ALL reporting a {$0.00} past due amount. How is one reporting paid and the others derogatory? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? if one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.

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 2022-12-26
Company: Experian Information Solutions 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 DEPT OF ED : XX/XX/XXXX Fraud./ remove XXXX  XXXX : XX/XX/XXXX Fraud/ remove XXXX  : XX/XX/XXXX Fraud / Remove XXXX  XXXX : XX/XX/XXXX Fraud/ Remove XXXX XXXX  : XX/XX/XXXX Fraud / remove XXXX  : XX/XX/XXXX Fraud/ Remove XXXX  : XX/XX/XXXX Fraud / Remove XXXX  : XX/XX/XXXX : Fraud Remove XXXX  XXXX XXXX  : XX/XX/XXXX Fraud Remove XXXX  XXXX XXXX  : XX/XX/XXXX Fraud / Remove XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraud Remove XXXX XXXX XXXX  XXXX : ACCT # XXXX XXXX XXXX  : XX/XX/XXXX Fraud Remove XXXX XXXX XXXX : XX/XX/XXXX Fraud Remove XXXX XXXX  : XXXX FRAUD REMOVE Have violated my rights 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. also part ( 1 ) states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. part ( 4 ) states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. part ( B ) states It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Please request all the Reporting Bureaus promptly remove these files according to U.S.C FCRA IT has currently been over 30 days since my last submission of this matter to be handles and for the files to be removed. And with fairness and abiding by the laws that hold up the banking structure I DEMAND that these accounts be removed diligently.

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 2023-07-22
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 submitted a letter to the XXXX Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Account Balance : {$32000.00}.

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 explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/2023 This company ran hard enquiry on my report. I have no knowledge what is this company and how they had access to my information. 
1006.18 False, deceptive, or misleading representations or means.

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 2023-06-16
Company: Illinois Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt with ICS XXXX  was disputed a year ago. Was deleted from my credit report. Once again, a year later this is back on my report, as if it is new.

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 2023-11-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On the morning of XX/XX/XXXX, I received an official email from Chase bank stating that " to prevent potential fraud, we have restricted your account and may close it soon. '' I tried to open my chase app to see what happened, and it said that your account is locked due to unusual activity. I'm not allow to access to my account.

So I called the customer service, they told me that they truely want to tell what happened to me, but the only description on their system is my account is closed by bank decision with no reason. They suggested me to creat a new account in another bank. 
When I asked when can I get my deposite balance, nearly XXXX, they said the bank is still processing the closure. So they don't even know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
To whomever it may concern, The actions of XXXX XXXX  and the various agencies that have refused to address this manner are acting against Fair Credit Reporting Laws. I am attaching additional documentation for my communications with XXXX XXXX. You can see that they inferred that they would make a goodwill adjustment, despite the fact that there was never a missed payment to begin with and XXXX XXXX  has told me each time I call to write a letter or report to the credit bureau to get it fixed. Everyone who answers the phone apologizes and says that they don't have such authority. Please read attached correspondence that are screenshots from communication with XXXX XXXX, as well as the previous dispute.

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 2023-05-05
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I discovered a collections account had been added to my credit score under a previous legal name ; I disputed with the credit reporting agencies, and several times with the debt collection agency directly, asking to be put in touch with someone who handles fraud - yet they maintain that the debt is accurate and provide no information on how I might send documents to challenge the claim. 

After months of dealing with the accounts impact to my credit score I finally received a page of information detailing how the account was opened. The information provided to open the account can be determined as fraudulent within seconds because the number generation system that is used for Illinois drivers licenses could not have produced the ID number provided given my name and date of birth. 

I continue to ask where I can send copies of my actual license to verify this discrepancy and I am given fax numbers that are not operational and no clear answers on who specifically I need to contact to dispute this obvious issue of fraud that should have been spotted before the account was ever opened.

Company response to consumer: Closed with explanation