BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: NJ
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 noticed unauthorized inquiries on my credit that i have never applied for. 

XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I attempted to update my payment account for multiple days weeks and months. I emailed the company for assistance. I even messaged the company to make the aware that there is a glitch in the app where I couldnt update payment info due to the app asking me to verify my address and the kicking me out over and over. After looking on their XXXX  page many people have had the same issue and then they report payments past due when the consumer is trapped in not being able to make a payment. This app should be shut down. I would like this account removed or updated to positive payment history. I have photo and email evidence of my attempts to pay prior to being past due. Please help

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 2018-02-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent XXXX of XXXX NC several certified letters to have this resolved and i have also wen in person and made several calls, but no one has ever 
esponded to anything have tried to do. I see on my credit report that this account is listed as open with a balance and to be honest the car was a lemon and i had to have several repairs on the car i was told if i just give it back we will call if even. but i see now that they are reporting incorrect information and i have tried for years and so many time to get this fixed they wont call back or even write a letter back i see that someone signed for the letter of dispute. I really need help this is unfair i have reached out to your company for help before but i have not or maybe don't understand what's going on. Please help me i have tried so hard to get this fixed. 
Thanks so very much signed a person being honest and trying to fix the wrong that has been done to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XXXX we took Loan Depot up on the offer to utilize automatic payments for our mortgage. The payments were set up to come out on the first of the month, beginning on XXXX  XXXX. To our surprise the online payment platform failed and our payment was not made. We did not receive any phone or written correspondence from Loan Depot until XX/XX/2022, when our loan was already 30 days past due. As soon as we received our payment we made both the XXXX and XXXX payments to make our account up to date and contacted Loan Depot right away in regards to the negative credit bureau reporting. We asked that the mistake be reversed and Loan Depot declined our request. We were asked to put a dispute in writing to escalate the issue to a supervisor which we did. After the written dispute was received and reviewed by Loan Depot, we were still declined. Loan Depot says that they attempted to contact up numerous times before the negative credit reporting, but we did not receive any telephone or written correspondence. I asked if they had proof that the attempts were actually completed or fulfilled and they said no. They showed no answer and did not leave messages. They also said they attempted to contact us via written letter in XXXX, and we did not receive a letter. I asked if they have proof that we received the letter and they did not have an answer. We feel that the failure of the online payment system is Loan Depot fault and we shouldn't be punished for a missing payment when we had plenty of money in our account and made the payment as soon as we actually received a letter on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: NC
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:
I am a victim of identity theft I have provided all requested documentation to have all listed items REMOVED from all credit bureaus immediately as a victim of indentity theft. I demand the removal of ACCOUNTS : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2019-08-20
Company: CIT BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2005 purchased home with 20 - 80 loans. Over the years, these mortgage servicers changed from one to another as follows: XXXX XXXX to XXXX XXXX  to XXXX XXXX  to CIT to XXXX  and now XXXX.  In XX/XX/XXXX, $XXXX  (20%) loan was a reduction of principal due to spouse loss of job and HAMP in XX/XX/XXXX.  Currently,on my title search it revealed that the $XXXX  is still showing but is inactive based on XXXX  recording system that CIT Bank NA XXXX, CA is the ID servicer of this loan.  Please see document attached.  Trying to sell this house but cannot close unless the title is cleared up with the $XXXX.  This has cost me damages incurred during the process and now being asked to back back the buyer $XXXX for the title fee, attorney fee, application survey,  etc.,  which I believed is not my responsibility as I placed the house for sale in good faith and did not expect that old records are not updated by the mortgage companies over the years.  Please see MIN: XXXX  is an identical match to the XXXX and the $XXXX agreement, see attached.  Please review my request based on the facts presented and let me know when this could be resolved ASAP.  ThanksBest Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Experian Information Solutions 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 XXXX : RE : UNAUTHORIZED INQUIRIES XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX am on 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 2023-12-10
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting an unauthorized inquiry on my consumer profile. I have no knowledge and certainly didn't authorize this inquiry. I have asked for documentation of this inquiry several times over a 45-day period and have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Experian Information Solutions 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 have been trying to get your attention in removing accounts showing in my credit report that do not below to me, such accounts are : XXXX XXXX XXXX # **** ; and XXXX XXXX   XXXX # XXXX****. 
In the pass my identity has been stolen, due to data breaches in XXXX, and other companies, causing great harm to my credit worthiness.

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 2023-04-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
JPMorgan Chase Bank ( " Chase '' ) transferred the funds out of a checking account and a savings account that I had maintained with them since XXXX into new checking and savings accounts after I was a victim of identity theft on or about XX/XX/XXXX. The identity theft involved someone setting up a fake joint account and transferring {$57000.00} out of the original checking account into the fake joint account on XX/XX/XXXX before Chase realized what happened and transferred it back into the original checking account before freezing both the original checking account and original savings account for suspicious activity although nothing had ever been withdrawn from the original savings account. The full amount that had been in the original checking and savings account were moved into the new checking and savings account on or about XX/XX/XXXX and I continued checking those new accounts almost daily and everything was fine with the correct amounts in the new checking and savings accounts through XX/XX/XXXX when the new savings account and the XXXX figure amount in the new savings account disappeared without a trace as if it never existing. When I went to a local Chase branch the next day the branch manager spent almost an hour on the phone with someone before figuring out that the new savings account had been pulled by a computer program which he described as a computer glitch which tagged the new savings account as suspicious even though nothing had ever been done with it other than transferring the amount that had been in the original savings account into the new savings account. I was promised I would get my money back into a brand new savings account after waiting XXXX business days and I am still waiting. What upsets me is that the new savings account with the XXXX figure amount disappeared from my online account without any notice to me whatsoever. No phone call, no text, no email even though I have every possible notification tagged on my online profile. I have still received no notification from Chase even by mail what happened to that savings account or acknowledging it was closed or that it ever existed. This has been very mentally and physically stressful to me. Plus, because I was keeping a low amount in my checking account thinking I would transfer funds from savings when necessary I was unable to make financial payments that were expected to be made this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Lendmark Financial Services
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called from personal cell   XXXX .phone numbers called multiple times in a day called my work number after being told not to call Phone logs available. Sent there vice VP into my work even after being told not to call making field visits to  my office! Leaving detailed messages on the voicemail. Voicemails also have been saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Better Mortgage, Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began my process of applying for a mortgage on XX/XX/XXXX with XXXX/Better. I talked to their associate XXXX XXXX through the whole preapproval process and after pulling my credit report, they confirmed that I was preapproved for {$300000.00} and I could make an offer on a house. 

Fast forward to XX/XX/XXXX when my offer to buy a house was accepted at {$290000.00} and confirmed between the seller 's agent and XXXX. Throughout the process of requesting my financial records, I was denied the loan due to my income not being enough. This came as a surprise for me because XXXX and I had talked about what income was before the preapproval even happened. I even had a loan disclosure written up and a sales contract of how much I would pay every month. 

After going back and forth, they could not give me an adequate reason why I was given a preapproval and then rejected later when I was 100 % honest about every figure I gave them. I went to a local lender and she told me straight up that XXXX/Better should never have given me that preapproval letter at all because no matter how she " fudged '' the numbers, I could not be approved for a loan that size.I have attached the contract and the conversation between me and XXXX/Better as well for review. 

I am now in danger of losing a 1 % earnest deposit of {$3000.00} and the appraisal fee of {$550.00} because I will have to back out of the sale. I believe that XXXX/Better did not do their due diligence in this case and owes me for the money that I lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
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: Account information incorrect

Complaint:
TransUnion has violated my consumer rights. They will not remove or fix a XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$28000.00}

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 2022-07-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from 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 2019-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I got a credit card offer in my mail from Capital One last year XX/XX/XXXX in the month of XX/XX/XXXX. It was interesting to me because one-time bonus miles of XX/XX/XXXX, when I applied to the card, I got a statement online saying you are not qualifying for this offer, even though I received the offer in the mail. They pulled my credit report, my report went down because of that and I never received that offer.Now, XX/XX/XXXX, I received another mail from Capital one with some offer details and a letter with my name - personalized to me - and even stating - This offer expires XX/XX/XXXX, so apply now!. I reapplied thinking that they may have now more information about me, then I got the same message after applying stating, we can't approve your card. Why capital one deceive me by sending this type of marketing to my house, to my name, my address, if I am not qualified!. They again have taken points from my credit score because I applied, and now my credit score went down because of them and a non card approved - neither a offer promised - they said that I qualified in the letter!. They are hurting my credit score once again. Capital one is not a serious financial institution by doing this stuff, they need to be scrutinized by the CFPB in all their ads and marketing that deceive people like me and hurt credit scores of good American citizens!. The marketing add is XX/XX/XXXX - in which part of the letter that I received states that I may or may not be qualified - the offer is personalized to me!!! it is totally deceived!!!

Company response to consumer: Closed with explanation