BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: CA
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employer : XXXX XXXX XXXX Inquiries : XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecon : XXXX XXXX XXXX Equifax XXXX : XXXX  XXXX  XXXX  XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquiries : XXXXXXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was scammed by a XXXX ad on XX/XX/21. Supposed to purchase a XXXX generator for {$110.00}. Never received it. Scammer gave a tracking #. USPS investigated ( Case # XXXX ) and said whatever was sent ( I'm sure it wasn't a generator ) went to XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/21. This is a residential address which has nothing to do w/me. Paid thru XXXX using Chase credit card. Opened a complaint w/ XXXX ( XXXX ) and w/Chase ( XXXX ). XXXX informed me that since I had disputed the charge w/Chase they were halting their inquiry. Chase informed me that they had judged the purchase valid because " the merchandise was sent to the location agreed to by you and the merchant ''. This was a lie. I called Chase and asked how they knew this and was told that " the merchant had suppled that information ''. So Chase took the word of a criminal scammer over their customers. Outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2008 I went through the HARP program and paid all monies told to pay which were held in an unapplied account. Based on this situation the lady that called me last week told me pretty much " to Bad '' I have never ever made a late mortgage payment even if I did get to eat.I pulled my annual credit report this year to find this inaccuracy. I have filed a complaint to Wells Fargo and to the credit reporting agency. There show derogatory mark on the credit for this mortgage ( XXXX ). The lady was rude and told nothing would change on my report. It is inaccurate and I want it fixed

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 2019-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 there was a charge made in my account from XXXX XXXX XXXX in the amount of {$180.00}. When I noticed the transaction I contacted Capital One and explained to them that this was an unauthorized transaction. They opened a claim and issued me a temporary credit on XX/XX/2019. On XX/XX/2019 the credit was reversed. I contacted the bank to find out what was going on because I hadn't received any correspondence regarding this claim. They told me that they contacted the company and they had my name, email, and address and that the claim is closed as being valid. I asked for the contact information for the company and when I contacted them they said that this charge was for an online school. I explained to them the same as I had explained to my bank and they told me that my bank had closed the claim in their favor and that there was nothing that they could do. the letter decision/non-factual conclusions based on circumstantial " evidence '' which draw no conclusions of FACTS regarding this matter is what Capital Oneis using as a reason to not refund my money. I previously stated to Capital One, that I did not benefit from these transactions Capital One 's unverified conclusions were based solely on circumstantial papers or hearsay. The decision of denial regarding the disputed transactions Is prejudicial to, XXXX XXXX XXXX as Beneficiary of the XXXX XXXX XXXX account. without verified proof Capital One has a duty to replace the funds taken from the XXXX XXXX 's account. 
Sincerely, XXXX XXXX, Account beneficiary All rights reserved XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
In XX/XX/XXXX, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I did n't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XX/XX/XXXX, I sent goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved.

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 2021-08-17
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-Balance : {$500.00} ( Original Creditor : Medical ) XXXX-Balance : {$170.00} ( Original Creditor : Medical ) XXXX-Balance : {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi, Please help!!! The HAF program paid my past due balance of XXXX and additional 3 months of advance mortgage payments {$5700.00} totaling {$41000.00} on my behalf on XX/XX/2022 and the funds have yet to be posted to my account. Meanwhile my home is to be foreclosed on XX/XX/2022! Like so many times in the past Ive called just to seek different options to regain my loan, I get tossed around from representative after representatives only to end the call without answers. 

Im hoping with this email someone will help locate and apply the funds so I can regain my home and end these sleepless past six months. 

Like thousands of others, I was impacted by XXXX and could no longer pay mortgage. Caliber home loan offered me a forbearance, being desperate I took it not knowing how it would hurt me. Since XX/XX/2022 Ive been trying to regain my mortgage due to so much misinformation and so much redlining my home went into foreclosure. Despite submitting every request Caliber home loan asked of me ( 2 loss mitigation packages ). 

Ive attached the payment details from HAF detailing what was disbursed. Ive also confirmed with my other hosing expenses utility company confirmed receiving {$190.00} and my water company confirmed receipt of {$110.00}. I find it very suspicious Caliber can not find {$41000.00}. Perhaps someone look in the suspense account and if theres a shortage I will pay it! 

We need to find {$41000.00} and apply asap please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CMG MORTGAGE, INC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX was pre-qualified with us at XXXX XXXX. She went to XXXX XXXX to have a new home built in a new neighborhood. XXXX is offering her {$15000.00} in upgrades if she uses one of their preferred lenders, instead of using us at XXXX XXXX. Their preferred lenders are paying them for advertising on the XXXX site and for being one of their preferred lenders. Since customers are receiving something of value ( upgrades ) and these lenders are paying XXXX money for advertising, I believe this constitutes a kick back. The lenders aren't really getting anything from the advertising, but they are getting a ton of business from the thing of value being offered by the builder, which is why they are willing to pay for advertising. Here is the link to their preferred lenders in my local XXXX, TN area : XXXX XXXX XXXX XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: MD
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 attempted to initiate a dispute in reference to an ongoing matter-reaged account listed on my Equifax report. I was unable to submit request via Equifax online or subsequently with a live Equifax representative in the dispute department even after going though a validation of existing credit lines on my report. 

Equifax continues to be difficult to deal with. XXXX XXXX has erroneously, validated a debt that should have fallen off my credit report. To illustrate my concern, XXXX XXXX was formerly known as XXXX XXXX XXXX who was formally known as XXXX XXXX XXXX. I took out a mortgage, XX/XX/XXXX with XXXX XXXX XXXX. As mentioned, XXXX XXXX become XXXX XXXX XXXX  and here is where the problems began. I filed Chapter XXXX Bankruptcy in XX/XX/XXXX- my mortgage with XXXX XXXX was included. I never made mortgage payments throughout XX/XX/XXXX and XX/XX/XXXX-see attachment because I was seeking a modification under HAMP. XXXX XXXX XXXX became XXXX XXXX, they reported mortgage lates for XX/XX/XXXX only when in fact the mortgage was not paid in XX/XX/XXXX-see attachment. In short, not only did Equifax validate on a prior occasion erroneous information ; they also prevented me from entering in the dispute today when speaking to a representative who validated my information via identity challenge questions. Going further, three mortgage entries are currently on my Equifax report- XXXX ( formerly XXXX XXXX XXXX ) ; XXXX who the mortgage was transferred/sold to and XXXX the final servicer of the loan in question. AS mentioned, the loan originated in XX/XX/XXXX- this is same loan being reported correctly by XXXX and XXXX and reaged and erroneous by XXXX XXXX XXXX I am distressed that Equifax and XXXX XXXX XXXX Bank have gotten away with reaging an account that has resulted in costing me hundreds of dollars in extra interest over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Problem with personal statement of dispute

Complaint:
I received notice of a collection account reporting on my credit from XXXX XXXX XXXX XXXX for a debt they have reported twice on my credit report. This error is in violation of the FCRA reporting act and I have disputed the reporting with little to no help from XXXX or the credit bureaus. All validation they have sent me for the account only validates a collection on my report titled XXXX  not XXXX  or XXXX  XXXX. The account reports 3 separate account numbers for the same debt. The one they have repeatedly validated with no contract bearing my signature is the account beginning in XXXX which reports as XXXX  not as XXXX. The actual account reporting as XXXX  shows a different account number beginning in XXXX which they have not validated once despite numerous attempts. How can I have 2 open accounts with one company for one debt reporting as two accounts with two different account numbers this is in clear 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 2018-01-31
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Listed an account with XXXX on credit report with open date of XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   and XXXX with balance of XXXX. This is in accurate information the company Convergent purchased the debt after it was discharged off report AND CHANGED the dates to put back on report as if just opened. I have contacted debt agency regarding this to no success. This is illegal to change the dates and amounts.

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 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to customer service regarding this issue and they would not help take care of the negative inquiries reporting to my credit report. 

Institution Information XXXX XXXX, TX XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Institution Information XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX, FL 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 explanation
Consumer complaint received 2018-01-25
Company: Byrider Franchising, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Is byrider/XXXX lured me into a predatory car loan by selling me a car that is defective.. The car is worth a fraction of the amount it was sold for and it is defective and unsafe to drive.. Within the first month the car was in the shop because I experienced the car shutting off while driving.. The car has been in the shop every month for this same problem and every time they say its fixed I experience the same thing of the car just shutting down while I 'm driving. Recently this has oucured 3 times in 1 day and happened on the highway and almost got me seriously injured or killed by a 18 wheeler.. I 've been paying for this car for 8 months and have n't driven it the last 2 months.. I 'm well within my warranty for mileage.. I do n't feel the car is safe to drive and not worth the amount I would be stuck paying. Which will be even more with the 21 % Apr.. I turned the car in on a voluntary reposession..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Since my husband 's death our 100 % satisfied paid off mrtg and canceled line of XXXX For him only has been transferred due to wrongful foreclosure to all the below. I am still in superior court again w 3 motions on file. XXXX XXXX, XXXX XXXX, XXXX on line, XXXX XXXX XXXX and XXXX, Mr cooper nationstar. This is ridiculous. I mailed motion ccrr to magistrate asking them to vacate and withdraw the erroneous judgement in XXXX County and they attempted to return to sender. Had to complain to post office ig. XXXX roulette ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Navy Federal Credit Union shows the minimum payment due as {$0.00} to authorized users on credit cards regardless of what the minimum payment actually is. As a result, in situations such as a military deployment in which the primary user is away and the finances are handled by a spouse ... They trap their customers into paying fees by providing deliberately false information. I could understand if their security model simply protected this information from authorized users. However, there is no excuse for providing false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I noticed a double MIP payment on my Bank of America mortgage statement and called to question it. This has happened once before and I was told by the customer service agent that my mortgage was being transferred to XXXXXXXX XXXX XXXXXXXX. I researched the company through Consumer Affairs and discovered numerous complaints from customers. I called BOA and told them that I was totally against this and that they should be protecting me from such inferior servicers. They stopped the transfer. Last month I noticed it again, I called and they refused to give me any information and told me I would be getting a letter in the mail. Two weeks later I received it saying that as of XXXX XXXX, 2018 I would be transferred to XXXX. This is totally unacceptable and I emailed them again to complain that this is a terrible mortgage servicer and fear my mortgage could be in jeopardy because of their terrible customer servicing. I am up to date with my mortgage and their is no reason for this transfer except for a profit to BOA at my expense. This practice must be stopped and is hurting many homeowners who are struggling. I fortunately am not and want to keep it that way. It is BOA job to protect it 's customers from these type of servicers or inferior service. It should be nothing less of what they offered.

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 2021-12-01
Company: AMERISAVE MORTGAGE CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently was reached out to by an Amerisave representative advising that they could provide me a better program than what I had. I was hesitant because it was a new home purchase and I just went through all this. I was told by countless people that this was a good move, I would be saving money and interest. I would argue that they did not evaluate the " net benefit to borrower. '' And that this seems to be " predatory lending ". It is going to take me XXXX years to break even and I only saved XXXX per mo. I was completely lied to! I can send supporting emails, CDs and previous statements to support this claim. I was taken advantage of and I'm extremely upset that a company would do this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation