BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Sometime in XXXX We were approached by Chase XXXX to refinance our loan to lower rate. We currently have a mortgage again through Chase. We contacted Chase XXXX on XX/XX/XXXX to see the offer. We agreed to the terms and the new lower rate and start sending documents to XXXX XXXX ( our agent ). At around XX/XX/XXXX XXXX suggested that we were ready to move in to the next stage of the loan which will require {$500.00} deposit from our side as a " Good Faith ''. I specifically asked whether this will be refundable and XXXX said " Yes it's fully refundable unless you cancel it or after we ( chase ) approve it and we ( borrowers ) decide that we don't want to proceed then it's not refundable ''. ( Sounds reasonable ) Next day he sends appraisal person to our property and we continue to exchange over 50 e-mails with financial documents. On XX/XX/XXXX Chase state that the loan will no be approved due to debt-to-equity ratio is too high. Then we asked for refund of the " Good Faith '' deposit to which Chase state that they can't refund it since they first need to cover their expenses. And the appraisal of the property cost them more than {$1000.00}. 

I haven't read the full documents and agreements, but I'm pretty sure Chase were aware that those {$500.00} will not be refunded in any case since the average appraisal cost is above {$500.00} in California. If I knew those {$500.00} were not refundable I will not have spend the time and energy to deal with them. 

I think the product is advertised in dishonest way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: American First Finance, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls starting at XXXX XXXX  and ending at XXXX everyday from the same company. They call from multiple numbers so even if I blocked the number the calls still come through. I also receive calls that are unknown from them. Also they will call all at one time. Its highly unprofessionally and annoying that my phone vibrates at work every 2 mins. The calls are ridiculous. Now I even get text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: REGIONS FINANCIAL CORPORATION
State: FL
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:
On XX/XX/XXXX, a complaint was made to CFPB ( XXXX ) and Regions Bank replied with incorrect information. A moratorium was resolved on XX/XX/XXXX, by XXXX. It was approved and it was indicated that the next payment would be in XX/XX/XXXX. The moratorium was approved for 2 months in XXXX and XX/XX/XXXX. Currently, delays of 30 days are reported for the months of XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. The loan is paid as agreed from XX/XX/XXXX to the present XX/XX/XXXX. In the Credit Agency XXXX, XXXX and XXXX delays are still reported. In the reply from XXXX Regions, it indicates that the moratorium was given for XXXX and XX/XX/XXXX, when the bank has violated its own regulations, since the request for the moratorium was approved on XX/XX/XXXX. It is not possible to give moratoriums retroactively. In addition, they indicate that the account is reported correct from XX/XX/XXXX to XX/XX/XXXX, incorrect information because the error has not yet been corrected in the Credit Agencies.

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 2019-05-25
Company: Experian Information Solutions Inc.
State: UT
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:
on yearly review XXXX XXXX and XXXX closed session on review of credit and would not allow me to dispute charges wanted to charge me to reopen and file disputes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: FL
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX  XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$55000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX XXXX XXXX  have alleged that I owe {$550.00} for a full repaint job to the unit. However there was no need for a total repaint. In the lease agreement it states normal wear and tear excepted Which there was nothing more than that, normal wear and tear on some of the walls. I can assure you that these marks were able to have been wiped off rather than repainting the entire apartment. When the initial move out walk through was conducted I was sent no pictures of the walls, yet I was still being charged the {$550.00} for repainting. XXXX did not send me pictures until I had emailed a complaint about it. The pictures I received only showed a few marks on the walls and some left over clear tape, that once again, could have easily been removed from the wall. Even with the pictures these said marks are difficult to even make out. I have previously sent this statement to XXXX XXXX creditor agency, Hunter Warfield. I was never inclined back on my dispute. I contacted the agency once again after two and a half weeks of not hearing anything back, they finally told me that my dispute was denied and this was going to hit my credit today. They said they contacted me on XX/XX/XXXX but, I have yet to receive anything back from them. I have not received any calls or emails from Hunter Warfield since XX/XX/XXXX, when the initial email was sent out informing me of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: EQUIFAX, INC.
State: UT
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:
on yearly review XXXX XXXX and equifax closed session on review of credit and would not allow me to dispute charges wanted to charge me to reopen and file disputes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: NV
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 recently received a copy of my credit report and In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021 we refinanced a mortgage with Huntington Bank. Both the first and refinanced mortgage are with Huntington Bank. The new mortgage has {$180000.00} to pay off the first mortgage of {$180000.00}. Which means Huntington Bank owes me the difference, which is {$1400.00} I have been in communication with the Bank. But I feel like I am just getting the runaround with delay after delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: SYNCHRONY FINANCIAL
State: KY
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:
On XX/XX/XXXX, I noticed in my billing statements That I was being charged for a Time Share on a property that was accruing every month on the XXXX of each month {$250.00} that was never agreed upon. I cancelled that contract within 90 days of the original contract date. I called and left several messages with the company. XXXX XXXX. However I received an email on XX/XX/XXXX from the company representative stating he was sorry for the delay in returning my call, upon proof that I requested for me to use the email he had provided as a null/void Receipt and I would not experience any other monthly charges. When I called into TJ MAXX credit card to explain what had happened, that I have this card ( My TJ MAXX Card ) set up to come directly out of my checking account and I had just realized when I went to make a XXXX purchase that the balance was extremely high I receive my statements electronically once I started looking into the amounts charged monthly I was only able to go back to XX/XX/XXXX. When I called in and spoke to the lady she explained to get any information to support my complaint. That the would reach out to me and request my documentation. I did I retrieved the email I received and had it available from the company stating it was voided. and apologize for delay in getting back with me as he was out of the states for the holiday. However TJ MAXX never requested my proof of documentation, never asked me for anything, just stated the company provided them a signature of the purchase. However they failed to explain it had a 90 day period to void out the contract. I DID JUST THAT.. Instead of asking me for my supporting documents they just reissued the merchant XXXX off my credit card. WITHOUT getting to the full details from the customer ( which is I ). I have included proof of my email of null and void. However would like some resolution to this issue.

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 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am aware there was a glitch that was TransUnion 's problem, not mines, that caused my inquires to be deleted. TransUnion later added them back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX on XXXX XXXX, 2017 at XXXX-XXXX. These inquiries add a hardship and my rights were violated by TransUnion.

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 2017-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 contacted Transunion and informed them that they were improperly reporting student loans that do not belong to me from XXXX/XXXX on my credit report on XX/XX/XXXX, via U.S. Certified mail. I was notified from the U.S. postal service that Transunion received my letter requesting to remove the incorrect accounts from XXXX/XXXX on XX/XX/XXXX. I requested to have these accounts deleted from my credit history as well as having Transunion send me an updated version of my credit report reflecting correct deletion of any accounts associated with XXXX. Transunion never responded to my request to have the accounts removed from my credit report. 
I contacted Transunion via telephone on XX/XX/XXXX, and attained a recorded phone conversation with a representative of Transunion, XXXX XXXX, who confirmed that Transunion does not have documentation from XXXX/USDEPTED with my signature for any student loans and that Transunion is still refusing to comply with F.C.R.A. regulations by reporting false information on my credit report and refusing to remove it from my file.

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 2020-02-13
Company: Byrider Franchising, LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My car was totaled on XX/XX/2020 by XXXX XXXX in XXXX. My lien holders are JD Byrider in XXXX XXXX, IA. I want to make it clear this is the worst decision I made in my life dealing with these people. Since my car has been totaled, NOBODY is letting me know whats going on, Byrider is refusing to let me speak to their insurance. This is a mess because I have NO CAR, and when I called to ask what is going on after finding out some questionable information from XXXX, its like they couldnt tell me. Ive had so many issues with Byrider, I honestly feel theyve discriminated against me on multiple occasions. Their representative either XXXX or XXXX belittled be saying youve owed XXXX money since XXXX which was very rude. I am the consumer and should no way shape or form be treated the way I have in the 2 years of dealing with these people. Something needs to be done, I am done dismissing my cases with them because I feel like I am not being heard.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX of this year, I applied online for Conn 's account which was approved. I purchase washer and dryer. I paid cash for a mattress because by the time I went to store, I had to reapply. My credit limit was lower I paid for mattress. I selected washer and dryer from clearance center. I never receive any disclosure about interest. I was told it would be approximated $ XXXX/mo and I would be email receipt. I never receive the receipt but made multiple calls to complain washer did not work and mention I never go the receipt. About 3 weeks later, I made a trip to store and complained about not getting receipt. I was given I stack of papers in which I decided to read when I got home. To my dismay the interest rate was 29 %. and there was some sort of processing fee which was never disclosed. I have disputed this with Conns customer service because for one, my washer is still not working properly and I requested them to pick up the product because financing details were never disclosed. They stated the product would be auctioned and I would be responsible for balance. So here I am seeking justice from company ripping off consumers. To date I have refused to pay any additional money until this is resolve with reasonable interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information on my file that may be leading to fraudulent accounts being opened in my name. Please see attached document

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 2019-05-25
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: Personal information incorrect

Complaint:
I disputed some credit reporting information with Equifax. They have sent me multiple emails regarding the information and how they have dealt with it, however, when I go to retrieve the information I can not access it. The online dispute center is either down, or it asks me to verify information that does NOT belong to me. Then I am told they are unable to get the information and I must speak to a representative. The information I am asked for belongs to my sister whom I shear a birthdate with- the month and day are the same, but the years are different. At this time we share an address as I am currently living with her, however, our credit information is NOT based on our living situation OR our birthdates. How in heaven am I able to get the proper information if this company will not allow me to access it?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am victim of Identity theft and after presentation of law enforcement documents to each of the major credit bureaus the fraudulent accounts were blocked/removed on XX/XX/2019. However, to my dismay the accounts have been placed back on my Transunion Credit Report without any acknowledgement of reason or method of further validation ; which is a direct violated of my consumer rights under FCRA 605b and 611.The Accounts that are fraudulent are : XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$140.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I was wrongfully evicted from my apartment. I was continually being harassed by the on-property maintenance worker and had no choice but to report his behavior to the office manager of the complex. The harassment escalated and one day I came home to find this person in my apartment going through my drawers and personal belongings. I filed a police report. In retaliation the apartment complex evicted me without notice. This false reporting of a collection that I do not owe is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: ENCORE CAPITAL GROUP INC.
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain item. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe I am a victim of Identity Theft. I pulled my reports from all three credit bureaus recently and they all had accounts that I did not recognize as well as inaccurate personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: EQUIFAX, INC.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit and there are many items I were not familiar with. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my income taxes has already been filed. Please remove these unknown items from my report. 

DPT ED/XXXX XXXX {$1500.00} DPT ED/XXXX XXXX {$2700.00} DPT ED/XXXX XXXX {$140.00} DPT ED/XXXX XXXX {$6300.00} XXXX  XXXX {$3500.00} XXXX XXXX {$1800.00} DPT ED/XXXX XXXX {$140.00} DPT ED/XXXX XXXX {$870.00} XXXX  XXXX {$3500.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$10000.00} XXXX   XXXX {$3600.00} DPT ED/XXXX XXXX {$7300.00} XXXX   XXXX {$6800.00} XXXX   XXXX {$3700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$420.00} XXXX XXXX  XXXX {$480.00} XXXX XXXX {$12000.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$1200.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$820.00} XXXX XXXX {$4000.00} XXXX XXXX {$30.00} XXXX   XXXX {$190.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4100.00}

Company response to consumer: Closed with explanation