BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2023 Consumer Financial Protection Bureau To Whom It May Concern : I hope this email finds you well. I am writing to raise my concern regarding the recent experience I had with LoanDepot during my mortgage application process. I believe that the lender 's actions violate several regulations under the Consumer Financial Protection Act ( CFPA ) and other federal and state consumer protection laws.

Specifically, LoanDepot has used an unfounded reason " lack of sufficient fund '' to decline my loan application and failed to provide reasonable explanation and support ( I had provided $ XXXX deposit statement in my bank account for $ XXXX downpayment needed ), even though CFPA entitles applicant 's right to obtain such information from the lender. Meanwhile, LoanDepot requested a future document ( NEXT month mortgage statement ) from me, which did not exist at the time of their request. Despite my efforts to provide alternative documentation, the lender refused to consider my application any further. I believe that this requirement was unreasonable and deceptive, as it created the impression that the document was necessary when it was not.

Furthermore, I have been made aware of a recent statement made by LoanDepot 's lawyer, who asserts that consumer protection laws do not cover investment properties and that the lender can demand any document they choose from loan applicants. I believe that these statements are completely inaccurate, and the lender 's actions are in violation of several regulations and standards. Also, I find the lawyer 's threat to prevent me from continuing with my CFPB complaint is unacceptable.

As a consumer, I have suffered significant financial and emotional harm as a result of LoanDepot 's actions, and I am requesting that the lender abide by regulation rules, correct any mistakes, and compensate me for any losses incurred.

I am respectfully requesting that the CFPB investigate this matter and take appropriate action to hold the lender accountable for their actions. Additionally, I would appreciate any information on my rights and options as a consumer in this situation.

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: LoanUnited.com, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
2 loan officers represented a certain company did a bait and switch told many lies and misrepresented their company. and they made threats to me about loan in any future contract. XXXX a manger thought he was XXXX said he was it like he owned loanunited. XXXX WAS BAD FROM THE GET GO. THESE TWO WITH LOANUNITED OUT OF GA. Please if you deal with loan united. Stay far away from these 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom this may concern, There seems to be a XXXX of inquiries on my credit report that were made by various institutions with whom I did not apply nor indicated that I was applying for credit. 
Due to the fact that I was succumb with XXXX XXXX I was unable to bring myself to write this letter concerning this malicious act. This is a request to reinvestigate and remove the following inquiries from my report since I am not responsible for these inquiries All of these inquiries were not made nor authorized by myself. To clarify, I did not, at any point, authorize a XXXX  party to access credit file in assisting me to obtain credit, nor did I apply for any services, and nor indicated at any point that I was applying for credit. Please investigate this malicious act and remove all these credit inquiries from my report. 

I understand that you will check each item listed above with the credit grantor reporting the information, remove all information on my report that the credit grantor can not verify. Because I am requesting this reinvestigation after receiving a copy of my credit report from you, you must complete your reinvestigation within XXXX XXXX of receipt of this letter. ( XXXX XXXX XXXX ( a ) ( XXXX ). )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The Navy Federal credit Union entered into am extortion conspiracy with the XXXX police, and president trump who is paying the off the XXXXPD to stalk me aNd my daughters and help him steal all my money. The fbi recently put in my account XXXX XXXX only to be immediately stolen by Trump.. this credit union also has the XXXX police stealing half my social security money monthly and there is no court order that's legal to do so. They're calling it child support but it's not. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX il vacated all child support m XXXX. This was started by a nonlicensed attorney for bribes In XXXX and former XXXX county states attorney XXXX XXXX. He was in jail per fbi but I believe yrump pardoned him because trp loved criminals. Every bank I go to does the de for bribes. Account noXXXX, rting no. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$1900.00}.

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 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
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:
I am submitting this complaint to EQUIFAX due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Despite multiple written requests, the unverified items 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 items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-04-21
Company: Experian Information Solutions 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:
I am submitting this CFPB Complaint to dispute the fraudulent items I notticed beiongreporting on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX  XXXX XXXX Balance : {$650.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance {$830.00} XXXX XXXX XXXX XXXX Unpaid Balance {$93.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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 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 2017-06-21
Company: Debt Recovery Solutions, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX Debt Recovery Solutions , LLC sent what they claim is a second letter regarding a debt they claim I owe to XXXX in the amount of {$1900.00}. In their predatory letter they claim the debt is a " long outstanding obligation '', with a XXXX account opened on XXXX XXXX, XXXX. Not very long even if it were mine. Also the account was opened in XXXX, whereas I live in Oklahoma. I informed the predators that I have never had an account of any type with XXXX. My credit history also reflects that I 've never opened any account with XXXX XXXX because their services are questionable at best. I informed the predator 's representative, a XXXX XXXX, that refused to provide a real name, that I planned on investigating the matter. Said investigation will include a lawsuit. Apparently Debt Recovery Solutions , LLC is fairly familiar with being sued judging from the almost XXXX complaints on the Better Business Bureau website as well as the multiple addresses they use. " XXXX XXXX '' stated she would remove the hit from my credit record, but it 's clear that she has no intention of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
About 3 years ago, I opened up 4 CDS with Marcus by Goldman Sachs. When it came to maturation of the first threee that expired, I was notified in advance as per their policy. I chose to NOT roll them over. 

However, when ir cames to the last one that had the longest duration ( 3years ). I was never notified 30 days prior as per policy. I forgot! Instead, I received email confirmation that it was rolled over on the XXXX of XXXX. 

The first representative I reached out to alluded that I was not notified and stated that I received monthly statements to that effect. I was told that someone would get back to me in 2 business days. No one did. 

I reached out again. This time the representative claimed I was notified as per notes on her screen. When I requested transcripts of the email be sent to me she deflected -- I promised to drop my complaint if there was evidence of notification via email. 

I was informed in all cases that I would have to be assessed an early penalty. This is not right. It was their fault. 

I believe it was all done deliberately. They had observed I was not renewing. ( I wanted to take advantage of subsequent Fed Rate Hikes. ) It represents a breach of contract and is shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked them to stop contacting me. Instead I continue to receive 4 calls daily and from different phone numbers. They use different phone numbers to deceive. They also call my husband daily. I would like this to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
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:
collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  all ftc violations will be attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have written to each credit bureau and they refuse to take the inquires that I did not authorized. I authorized one company 16 months ago a 1 mortgage company, XXXX, XXXX XXXX, XXXX XXXX and XXXX only! I only authorize them to pull them once and if has pulled down my credit and I want it removed.

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 2023-08-29
Company: EQUIFAX, INC.
State: TN
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Open Date XXXX XXXX XXXX XXXXXXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: NY
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 checked my credit report, I found that part of the information was inaccurate. The three credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without supplying proof within the legally required amount of time. The following false information in my credit report needs to be looked into and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation