BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: MO
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 have been receiving multiple " pre approved '' loan offers and credit offers. I have never responded but I have come to learn that my teen step son has pretending to be me. I filed the opt out information and contacted all XXXX credit bureaus. Disputes have been filed on some but the inquiries and incorrect reports have hurt my ability to recover from bankruptcy severely.

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 2018-05-02
Company: Experian Information Solutions 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:
THERE ARE LOTS OF FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORTS. I HAVE ATTACHED POLICE REPORT AND CREDIT REPORT SHOWING THE 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 2023-02-09
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I attempted to open an account with Citibank on XX/XX/XXXX. They have had my {$20000.00} since then and have not returned it despite my repeatedly calling and asked me for it. Once when I called, they told me that I was unable to open an account because they detected fraud. But at no point has Citibank contacted me about anything regarding this account. I have been hung up on by customer service and promised that I would receive it, but as of today, I have had no correspondence coming from them and have not received the money. I have called them no fewer than five times and spent hours on the phone.

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 2018-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a Visa Prepaid Card with Bank of America. There is an incorrect charge on my account of XXXX. I have tried to resolve this with the merchant and even contacted Bank of America while at the restaurant. The person I spoke to informed me the charges were pending and after they posted I could file a dispute. About a week later I contacted Bank of America to file the dispute and they have made it impossible. I spoke to two different people by phone who offered no assistance. This by far has been one of the worst customer service experiences I have ever dealt with.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2021-04-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XXXX, I obtained equity line of credit from XXXX  XXXX XXXX. I was making payments until XXXX when I filed chapter XXXX bankruptcy in attempt to redeem a different property the XXXX XXXX XXXX staffs fraudulently sold. In XXXX, XXXX  XXXX XXXX without notification transferred the equity line of credit with a balance of about {$25000.00} to XXXX XXXX and investor simultaneously obtained the mortgage. Still on bankruptcy, there was no monthly statement received to request for payments because of the active bankruptcy. In XXXX, my attempt to redeem the property that the XXXX XXXX XXXX staff sold. I requested for voluntary dismissal of the application. Shortly the investor/XXXX XXXX, XXXX, not in its individual capacity but solely as trustee for the XXXX Trust, Series 2016-CCT filed a foreclosure action and obtained a judgment on pleading in the amount of about {$43000.00} around XX/XX/XXXX. I communicated with XXXX XXXX to pay off the equity line amount. Suddenly, I began to receive communications from Rushmore Loan Management Service threateningly to foreclose. I offered {$3000.00} and {$40000.00} as full settlement but each offer was rejected. I applied to be considered for modification but the manager called XXXX and XXXX considered to be my contacts persons had interest to sell the property to themselves or some investors they know. I filed a complaint with the company and contacted housing counselor to help resolve the problem. The housing counselor XXXX XXXX XXXX contacted Rushmore LMS and forwarded offer for {$28000.00} because about {$12000.00} repairs has been completed in the home. I intend to take possession as soon as some other repairs are finalized. On XX/XX/XXXX, I called to request if the offer was accepted. The offer was denied and received a final postponement of sheriff sale dates to be on XX/XX/XXXX. Currently, Rushmore LMS demands for {$62000.00} as of XX/XX/XXXX. I forwarded a request for explanation of how the equity line of about {$25000.00} as at XXXX has gone that high from XXXX to 2021.No explanation was received. I want help to stop Rushmore LMS from creating accounts to increase the balances of the equity line of credit and advise the attorney representing Rushmore LMS from identifying the loan as executed mortgage dated XX/XX/XXXX. It was equity line of credit of {$25000.00} I obtained from XXXX  XXXX XXXX on XX/XX/XXXX payments was made on the equity line of credit until XXXX at the time I filed XXXX XXXX XXXX Rushmore LMS and investorXXXXXXXX XXXX XXXX, not its should please accept the {$28000.00} recently offered on my behalf by housing counselor as full settlement or counteroffer. Otherwise, I demands for detailed explanations of all the charges appearing on the payoff statements that made up {$63000.00} requested as payoff as of XX/XX/XXXX, recognizing that insurance was paid by me prior to XXXX and XXXX was paid in full by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2021 I tried to use my card to order online it wouldnt take it. Then later that night I tried to purchase food but it declined and theres money on it. Talk about embarrassing. It was working fine earlier that day. Ive never experienced that problem ever. I havent been able to speak to someone directly. Thats just weird! I have bills to pay and I cant even touch my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX Date - XX/XX/2021 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be re-investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation.

Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " no later than 5 business days after the completion of the investigation. '' According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thanks in advance for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-03-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX has violated my credits 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) 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 RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Initiated a {$4400.00} balance transfer on XX/XX/XXXX. Stated 0 % until XX/XX/XXXX. Paid a fee of {$220.00}. I received the account statement today showing the entire balance transfer amount and fee are due now. I called to ask why the promotion rate was removed. I was told that in the disclosure it states you can not use the card for purchases after the transfer. I advised the representative that was not shown in the disclosure I read. I asked to remove the balance transfer fee as it was no longer being honored. He tried and the request was declined. I asked him to submit feedback to his supervisor that the disclosure did not clearly state that the card could not be used for purchases. I expressed my discontent with the fact he couldn't help at all. I was misled and not informed of the full disclosure when I initiated the transfer. I don't want this to happen to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
SSI deposits for my XXXX XXXX children, our soul income for the month of XXXX was deposited, & immediately fraudulent charges wiped out entire {$1500.00}. Fraudulent charges were swiftly reversed by merchant/ XXXX . 
Yet this direct express card has refused to reinburse me. So they just get to keep my childrens money!? 
DE has had me in a customer service horror story since XXXX! 
Representatives are rude, not helpful. I have screenshot proof of being on hold in excess of 4 hours Just trying to understand why they are holding up my reimbursement. 
My kids money is FDIC insured! XXXX reimbursed it- so what now? Direct Express is just allowed to keep our money as per Direct Express! They claim in there own rules they will provide a credit, if you are a victim of fraud then use XXXX & loop holes to not give any credit during a pandemic, and knowing I was facing homelessness over this. I can not afford to lose an entire months income. I was told I didn't qualify to get a credit because of the name of the person handling my case! Like I have any control over that. 
This happened on XX/XX/XXXX. Today after holding for an hour and fifteen minutes they say my claim is closed & they just decided I'm not getting my money back because of too much different information! Oh & they sent a letter, that I never received. 
XXXX- how can they steal my children XXXX money! 
All the information I provided was true & I thought could be helpful to find out how exactly my directvexptrss MasterCard numbers got frauded in the first place. 
I never lost my card. I did nothing wrong. 
Now me and my children are the victims of both credit card fraud, eviction and direct express straight THEFT!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28
Company: Experian Information Solutions 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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: GA
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:
Dear CFPB,, I am contacting you with hopes to get some resolve with my issues that I am having with identity theft and trying to demonstrate to these companies XXXX XXXX, and XXXX XXXX, XXXX and Equifax that my identity has really been used and was used making transactions with my name and not by me or my behalf. I've sent my drivers license, and more to prove I am who I am and not anyone else Both are the only two that seems to be ignoring the fact that I am sending every document under the moon to get help and remove the negative information with XXXX XXXX stating they called the police department. Not sure how they even stated what they got because here is the actual report again. Maybe this will demonstrate that what I am saying is in fact honest and true. Today XX/XX/2022 I received a letter from the Internal Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX because of my identity being stolen and that a payment was schedule to be sent because they had " ALL '' of my information including banking information. They filed on behalf of me using my name and had a dependent child and I now have to do another affidavit and police report with my identity. It doesn't get any more official than this and this and I have been plagued with this for several years now. I work, have a W2 and it's scary to see what is continuing to happen to me and I haven't filed my taxes yet. Attached are the IRS documents and as we speak I am initiating a new police report because of this situation as instructed by the IRS who also says to report this to all three of the major bureaus. In the case of XXXX XXXX it shows that you have transferred the account with this fraudulent account please send me the documents used to open the account please! if not I kindly ask that you not report this erroneous information with the purpose of continually destroying my credit worthiness. XXXX XXXX I ask that you do the same. If you both can't please delete and I send this to you with my original filigns because it illustrates what is still happening to me. This time they used my personal information to file government taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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 second 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 alleged fraud or extortion. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: NY
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 writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Better Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My family went about refinancing our mortgage starting in XX/XX/XXXX. We reviewed several rate aggregator sites including XXXX. XXXX advertises rates for different lenders and even has an advertiser disclosure : The listings that appear on this page are from companies from which this website receives compensation It was on this site that we found XXXX. Who was advertising a 1.75 % interest rate with 0 points on XX/XX/XXXX. It was also shown as 1.75 % APR. I clicked through the link to the site at that time and began my application. I was shocked when after my first completion of data the Rate was 1.75 % but the APR was considerably higher. I emailed the loan officer about this and they made an adjustment claiming that they added {$8100.00} in concessions to the loan in order to honor the pricing, however, they changed my own selections on several different aspects of the loan which would be about ( 63 % LTV ). They changed my escrow preferences to utilizing Betters services, when I had originally indicated I would continue to pay my home insurance and property taxes without escrow. When I changed these items back the loan added what I think I recall as {$250.00} in points, despite the advertising being {$0.00}. I asked for this to be adjusted and they claimed this was a change of circumstances. No where on their website can I find that escrow is a required aspect to receive their advertised rates. I checked XXXX website and it is also not addressed. If this was common practice then it should be spelled out. Over the next two days while I completed their tasks, the points rose again close to {$250.00} per day to approximately {$750.00}. Final closing amount was {$720.00}. All this time they were continuing to advertise on bankrate the 1.75 % Rate and 1.75 % APR despite my loan getting more expensive. I asked about this as well and was told I wouldnt have the rate honored again. I decided I would work to finalize the loan because of the good rate ( which they advertised ) and closed on XX/XX/XXXX. I followed up with their customer service via a feedback survey after closing to which I received no response by XX/XX/XXXX. On XXXX I sent an email to the email that asked me to fill out the survey asking about this issue with advertised rates not being offered. Both from my initial application and after they changed the setup of my loan. After several emails with a Client Success Advocate, I was also told that because I didnt lock my rate for 3 days and the market pricing had fluctuated. I have screenshots from the day I locked my rate and from 8 days after I locked my rate showing the 1.75 % /1.75 % APR still being advertised. I believe Better is advertising rates they dont plan to honor and even if asked they work to create situations to drive their own profit.

Company response to consumer: Closed with explanation