BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-16
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
In addition to wrong information on the report. My credit score dropped after i removed a dept of {$42000.00}. I have had perfect payment on all accounts for the past 7 years. Why would the credit score drop when debt is paid? It should have gone up. 

Another problem is with " XXXX ''. I let the reporting agency into my back account and every time it comes back and says it can not boost my score. There are payment accounts that show up every month on my bank account. This is a service that does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX, I was scammed by a person online to wire money from my XXXX checking account to a Citi Bank account below, the amount is {$25000.00}. The person, called himself XXXX XXXX, asked to borrow me money by wiring to this Citi Bank account and promised to repay in few days but never did. 
Bank : CITIBANK, Address : XXXX XXXX XXXX, XXXX XXXX NYXXXX, XXXX. 
Account Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, NY, XXXX. 
Account No ( USD ) : XXXX Swift Code : XXXX Routing No : XXXX Reference : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACOUNT NUMBER XXXX I reported the scam to XXXX XXXX Police Department and IC3 in XX/XX/XXXX. I also tried to recall the wire from my bank XXXX and requested them to contact Citi Bank about that account and that company in XX/XX/XXXX and XX/XX/XXXX. However, I have heard none answers from Citi Bank about the wire. Without any helps from banks, I did my own research and found out the account is a middle bank to wire money to XXXX, XXXX. The company address is just a residence house in New York. I have tried many times to contact CitiBank about my scammed wire and the suspicious account. CitiBank never gives me answers on it.

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 2018-03-23
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: Old information reappears or never goes away

Complaint:
This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted XXXX/ XXXX/ XXXX regarding my student loan and I have disputed it with the credit reporting agencies ( Equifax, XXXX, and XXXX XXXX ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. XXXX XXXX XXXX told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My balance due on my Bank of America credit card statement for the period of XXXX was {$290.00} with a payment due date of XX/XX/20. I sent a check for {$290.00} to Bank of America which was cashed by them and applied to my credit card account on XX/XX/20. I received my next Bank of America credit card statement for the period of XXXX fully expecting that there would be no interest charged to my account as my payment was 1 week before the due date. To my surprise I found that they charged me {$2.00} interest on my prior months balance. I called Bank of America 's customer service number to ask why I was charged interest when my payment was 1 week before the payment due date and was told that in order not to have interest charged the payment has to be received before the statement end date which was XX/XX/20. I asked how can a customer pay before the statement end date when the statement isn't mailed out and received until days after the statement end date and customer service told me that I should monitor the account online. I explained how absurd that was and they said that all credit card companies do this, I checked my other credit card statements and did not find any other credit card company doing this. I feel that their policy is unfair and unworkable to the average consumer, especially those who do not have computers and access to their online accounts. If a credit card statement lists a payment due date and the payment is received by that due date the customer should not be charged an interest fee. If you multiply this unfair interest fee times 12 months and the millions of customers Bank of America has you can see that they are unfairly making millions of dollars at the expense of consumers. This is not right, especially in this unstable economic period.

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 monetary relief
Consumer complaint received 2022-08-11
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: Reporting company used your report improperly

Complaint:
Account # XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX 15 USC 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 account without my instruction 15 USC 1681 Section 602 A States i have the right to privacy

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 2018-03-23
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a medical bill that the insurance has paid and I have already notified them of my insurance information and as per hippa the original holder can not sell this information to an outside company. This is also my wifes not mine. XX/XX/2015.

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 2018-03-21
Company: Experian Information Solutions Inc.
State: DE
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:
7 Fraud accounts that continue to report on my Experian credit Report after years of disputing the Fraud   with the credit report and creditors which was due to the XXXX  Breach and Experian Neglected to correct and update and remove these fraud accounts from my Report. Account from these creditors are Fraud, XXXX {$5000.00} # XXXX, XXXX XXXX {$5000.00} # XXXX, XXXX XXXX   {$740.00} # XXXX, XXXX XXXX XXXXXXXX XXXX  {$1400.00} # XXXX, XXXX   {$260.00} # XXXX, XXXX {$570.00} # XXXX, XXXX {$330.00} # 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 2021-09-13
Company: FORD MOTOR CREDIT CO.
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:
please remove closed tradeline Ford Motor Credit account # XXXX from my XXXX & XXXX credit report. 
Those accounts are in the name XXXX XXXX XXXX which is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initiated a mortgage refinance application ( Loan # XXXX XXXX with XXXX XXXX ( NMLS # XXXX XXXX from LoanDepot on XX/XX/30. During application, I double-checked with XXXX on if Loan Depot can acknowledge the income from my new job as I only started 2 months ago. XXXX confirmed that it won't be a problem and then I agreed on to proceed with paying appraisal deposit. 3 weeks later, I noticed that my application status was turned into inactive. I didn't receive any communication from XXXX or processor about the change. I had to make 20+ phone calls to get connected to XXXX and learned that underwriter denied the application because of my income history. I asked for full refund of appraisal deposit as I was mislead by the promise as income history will not be an issue. XXXX said he need to talk to his manager about the refund and will get back to me that day. I've never heard anything back from him and he never picked up any phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I emailed a request for name change with all requested documents ( requested by Amerihome Mortgage, my mortgage provider ). Their reference number : XXXX-XXXX. They did not process my paperwork as of today 's date : XX/XX/2019. 

Further, on XX/XX/2019 I emailed a request to draft my payments from a new account. Their reference number : XXXX-XXXX. They did not process my paperwork as of today 's date : XX/XX/2019. 

I spent 20 minutes on the phone with them ( one line staff, one supervisor ) today trying to resolve this issue. They claim they sent the draft change today for processing and could not find the name change document. 

They are unresponsive, waste my time, and I'd like to waste theirs by having to respond to you about their lack of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
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:
I have been disputing with the Bureaus over the phone and in writing since XX/XX/2017 to remove inaccurate information from my credit file as it is hurting my credit and I am unable to secure a job in the banking industry due to the inaccurate information being reported. I keep getting the run around and no where with the bureaus. They keep updating information that is not mine or does not pertain to me even after I have sent them documentation showing who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I own two homes that are financed through a VA loan. The first home located in XXXX, XXXX  is financed using a VA loan with XXXX XXXX XXXX XXXX ( XXXX ). The second home located in XXXX, XXXX is financed using a VA loan with Cardinal Financial. 

I recently refinanced my second home loan with Cardinal Financial. I believe the actual closing date was Friday, XX/XX/XXXX. I received the cash out funds through a wire transfer to my bank account on Monday, XX/XX/XXXX. 

On XX/XX/XXXX, a representative from Cardinal Financial sent me an email stating the following : " As we discussed on the phone, the VA is stating you do not have enough eligibility to qualify for the new house plus keep the XXXX XXXX property on the VA loan. Please let me know once you have spoken to the realtor regarding selling the property. The other option is to refinance XXXX loan to a conventional loan. '' This information was never provided to me prior to refinancing my home in XXXX. It was only provided after closing. The representative also suggested that when I refinanced my home in XXXX, that the new interest rate on the conventional loan would be 1 % higher than my current rate using the VA loan provided by XXXX. 

After doing some research, I found that not only did Cardinal Financial charge me a higher interest rate than other banks to refinance, but one of their representatives was also trying to cover up a mistake the bank made by convincing me to refinance my first home loan to resolve the issue. I also found out that due to the error that Cardinal Financial made my XXXX home would no longer be eligible for an interest rate reduction loan that is normally provided by the VA 210 days after I make my first mortgage payment. 

I requested that the Cardinal Financial representative fix this issue by providing a conventional loan at 3.25 % at XXXX cost to me since the error was on their part. But I have not heard back from any Cardinal Financial representative regarding my recommendation on how to fix this issue. 

I would appreciate it if the Consumer Financial Protection Bureau could assist me with resolving this issue so that I can be eligible for the VA interest rate reduction loan in the future for my home in XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In XXXX and XX/XX/2021, I made XXXX attempts to initiate a dispute with TransUnion against unauthorized inquires on my credit file. After making phone calls and writing a letter, I submitted two complaints to CFPB informing them that TransUnion deliberately refuses to investigate disputes against inquiries. As a follow up to my complaint with CFPB, TransUnion has reached out to me by providing a letter explaining the " Explanation of Inquiries on Your Credit Report. '' They have not offered me a remedy on how to dispute any inquiries on my credit report. TransUnion is the only credit reporting agency which does not allow the consumer to dispute inquiries on their report. Currently, there is a class action lawsuit being brought against TransUnion for this same issue. I am now providing supporting documentation for a newer complaint which will show the webpages where TransUnion allows the consumer to dispute credit account information BUT NOT INQUIRIES. Nowhere listed on their website can anyone select " dispute '' for inquiries. TransUnion 's letters to me in response to my multiple requests for an inquiry dispute did not answer my request for a dispute but avoided the issues I brought forth repeatedly. I have attached two copies of letters I received from TransUnion on XX/XX/2021 and XX/XX/2021 as well as a copy of the webpages from XX/XX/2021 showing NO option to dispute any inquiry. The word " DELETE '' is next to each item that is to be disputed, however this option is not listed under the " inquiries '' section of the dispute pages. This is a violation of the FCRA.

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 2021-05-01
Company: DISCOVER BANK
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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31
Company: JPMORGAN CHASE & CO.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scheduled to initially close on a home on XX/XX/21. I had been working with a title company for months. On XX/XX/21 I received an email, that at the time I did not know was fraudulent, regarding closing and wiring instructions. I then wired the funds on XX/XX/21 to the account provided, a Chase Bank, account # XXXX. The closing was delayed and 1 week later the deal was cancelled. On XX/XX/21 I asked the title company to send the money back to my account. On XX/XX/21 the title company could not locate the funds in their account. I discussed with them the email correspondence that I had with them and they denied ever sending or receiving those emails. That same evening I filed a police report regarding the incident. The total amount transferred was {$23000.00}. I also filed an investigation with XXXX  XXXX XXXX who I used to wire the money, on XX/XX/21 they notified me that they were unable to collect the money and they would be closing the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: WELLS FARGO & COMPANY
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wells Fargo Dealer Services repossessed my vehicle lawfully. I do not dispute I defaulted on the loan. I am disputing the remaining false balance that remains on my credit report. I called on their recorded line ( I did not record the call, they did ) to pay the balance on my credit report of roughly {$1600.00}. I was told I can not pay the balance because Wells Fargo Dealer Services has discharged the debt and is no longer pursuing the debt. The debt was charged off and discharged with XXXX balance on XX/XX/2020. I was told, on a recorded line, that the debt will show as XXXX balance on my credit report and there is nothing I can do to pay it off. My complaint is that they are still reporting a balance of roughly {$1600.00} and it is hurting my credit score. I have disputed this several times, tried to reach out to the company, wrote letters and still nothing is being done. I want to either pay the balance or 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 non-monetary relief