BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for mortgage, and received commitment with conditions on XXXX. My mortgage agent requested all outstanding conditions, and I provided in timely manner. 3 days before my closing I received denial letter from bank ( last week ). The reason for denial is " applications is incomplete. '' There were absolutely no reason for this decision. All documentation were submitted by my mortgage broker in time, and accepted by bank underwriter. The bank took 2.5 month to process application with approved commitment with conditions ( which were timely submitted ) and sent me denial letter 3 days before my closing day. I don't have time to get another mortgage, and because I can loose my down payment, I am applying for private lander mortgage at 12 % interest, since I have no time to find appropriate mortgage bank and reapply for mortgage loan with 3 % interest, which I suppose to get from Loan Depot. This is unprofessional practice, and also very dangerous, because consumers received late unreasonable denial, and there is no time to fix the issue and get new loan from different bank. I am loosing a lot of money now because I have to pay 12 % mortgage interest for at least 6 month and only after 6 month I can refinance my mortgage again for a fair rate without penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
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:
Today XXXX/XXXX/XXXX I applied for a Personal Loan through XXXX XXXX XXXX XXXX. The request was for {$12000.00} to roll all existing debt into one monthly payment over a predetermined term. When applying the Loan Officer stated that my Experian Credit Report showed a FICO of XXXX. I let her know, one XXXX XXXX that this was not the case. The FICO score I was pulling showed in the XXXX 's but that I would pull my Experian CB Report. I paid {$1.00} to have it pull on XXXX/XXXX/XXXX and my Experian CB Reporting showed a FICO of XXXX. This is a 40 pt  swing. I sent images on the pull I made to XXXXXXXXXXXX to substantiate my claim. ( Will attach email and screen shots of FICO from Experian and a copy of the {$1.00} paid on bank statement ) I was approved with a counter offer of {$4500.00} and an interest rate of 13.99 %. As I spoke with the Loan Officer XXXXXXXXXXXX I once again advised her that my CB reporting they pulled from Experian was in accurate and not up to date. Furthermore the reporting they were factoring as my " FICO, '' was in fact a pull that coincided with their own FICO reporting from XXXX that still showed on their Mobil App. ( I will include as an attachment ) The reality is when a company establishes credit worthiness with inaccurate data, this is an unfair and deceptive practice. Knowingly using inaccurate reporting to establish credit worthiness leads to high interest rates for the consumer and higher profits margins for the company. This is also unfair and deceptive practice. When I notified XXXX XXXX XXXX XXXX they did noting and basically said deal with it and passed blame into Experian. This is not an Experian problem. This is a XXXX XXXX XXXX XXXX problem. 

I believe there needs to be an audit completed into XXXX XXXX practices in pulling credit to establish credit worthiness. Additionally XXXX XXXX should be audited for the purpose of establishing how many other consumers have been impacted by inaccurate reporting which is an unfair and deceptive practice. I believe that XXXX XXXX is aware of this systemic abuse of inaccurate reporting being used and uses it to their advantage for profit. 

I felt like I was literally speaking to those that did n't care and had no answers.

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 2022-08-25
Company: Security National Financial Corp
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm writing to have two late payments that were reported to the credit bureaus removed from my credit report. The two late payments of over 30 days occurred in XX/XX/XXXX and XX/XX/XXXX. 

I've had on time payment history since I bought my home in XXXX of XXXX, and when I was notified of the payments for these two dates not processing I immediately paid the full balance and have made on time payments ever since. I'm requesting these be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: AmeriCollect
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AMERICOLLECT wants me to pay a bill for a time I was covered by health insurance and refuses to bill my insurance company for payment. Although my insurance company agreed to pay the bill. AMERICOLLECT chooses to report that on credit report that they are trying to collect payments from me. This makes no sense. They hospital in which I received care claims I have bill owed but AMERICOLLECT says they are collecting on behalf of the doctors that work there but will not provide me any proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I accidentally / by mistake sent {$400.00} to a wrong account. 
I called chase immediately to tell them I had mistakenly sent them to a wrong person if they can cancel the pending payment and return the money to my account so that I can send them to the right person. And chase has refused to give me the {$400.00} back. They allegedly said the person who received the {$400.00} transfer was negative so they used MY MONEY to pay their negative balance. I have tried to reach chase over 4 times and each time they say they paid SOMEONE ELSES NEGATIVE BALANCE with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Chexsystems has and is still reporting me as an adverse account. I spoke with XXXX XXXX, of Chexsystems who was no help. Chexsystems is reporting an Account that has been paid in full as adverse action, which causes me Financial Deformation because I am unable to open up a basic checking account. My Chexsystems report consumber ID is 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 2020-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency.

A recent careful review of my credit report reviewed my credit report revealed this has not been done. There are several old items on my report that I demand you remove at once in order to comply with the FCC.

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 2020-05-08
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: Account information incorrect

Complaint:
received a BUSINESS CREDIT CARD from XXXX XXXX ( accont # XXXX ... .. ). card is used for corporate expenses only!!! experian has put this card on my CONSUMER REPORT ( THIS IS NOT ABOUT ANY DELINQUENT PAYMENTS OR ANYTHING NEGATIVE!! ) i used this card to pay off a bill with my printer and it raised my balance to over 23 % usage on my consumer report!! this has dropped my credit score almost 50 points!! 
this card does not belong on my consumer report. again, it is a business account!!! 

XXXX has already deleted this from my account. waiting to hear from XXXX!!! experian needs to do the right thing!! 

thank you

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 2021-11-30
Company: Google Compare Credit Cards Inc.
State: CA
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:
Please refer to Complaint ID # XXXX and Complaint ID # XXXX for more information. 
In short, my XXXX account was hacked and subsequently was used to make unauthorized transactions on Google Play. 
Per Googles own instructions, upon the discovery of the fraud, I filled out their unauthorized transactions form, and deleted hacked XXXX account. 
Due to some miscommunication and time constraints because of prior commitments ( work ) on my part, it took some time to get a final response from the company : MY NAME, we've checked, and would like to inform you that based on our investigation, we won't be able to refund the transactions in your claim. We're sorry for any inconvenience this may cause. However, this decision is final. If you believe that you may have included the wrong transactions in your claim, you can check the list of transactions in your claim by returning to the " Report unauthorized charges '' form and entering your email and claim ID. You can then submit a new claim if necessary. We wouldn't be able to confirm if these purchases weren't made by you. 
This was their response after I provided original claim, bank statements, the email account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been a victim of Transunion inquiry issue. I reached out to the company and they refused to assist me with my concerns.

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 2018-02-01
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After debt was paid and satisfied through XXXX they continue to call and harass me during work hours ( normally around XXXX ) stating that the original debt holder ( AES ) never sent the confirmation of the debt paid. My bank account shows they payment was paid to them. 
It is their job to follow through with obtaining confirmation and removing me from the collections dept. 
Ive explained this numerous times and they continue to call despite accepting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a dispute on XX/XX/20 to Experian. It has been well over 60 days and I have not receive any response from experian.

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 2018-06-06
Company: CITIBANK, N.A.
State: MO
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:
XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 7 years. Citi reported my account negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX and they removed ALL payment history but left the Negative reporting on XX/XX/XXXX. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XXXX or XXXX and it should not be reporting negative. 

My reports do show " Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX '' however the negative reporting on any months where there was no late payment made should be removed. 

I am attaching copy of my credit report for XXXX to show what I mean by negative payment history.

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 2020-02-06
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Apple Card " Goldman Sachs '' Mandatory needing an Apple mobile device to view the current or past transactions, pay or view the amount due, or challenge transaction. Nowhere in the documentation that this is described. 
Refusal to send paper documentation regarding transaction disputes and monthly statements when no Apple Device is available to view this information, notification was sent to Apple Card " Goldman Sachs '' and also by phone to describe issue but they refused to send information even stated that I must buy an Apple mobile device to see all statements regarding Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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: Investigation took more than 30 days

Complaint:
I disputed the accuracy of a bankruptcy listed on my equifax credit report back In XX/XX/2020. I  followed up the beginning of XXXX because its been longer than 30 days and its still listed as under investigation on the My equifax portal and wont allow me to dispute it again. I called the customer service lien and explained to the young lady the issue and she kept telling me it was disputed a few days earlier on XX/XX/20. I asked her how could I dispute something online when its been in the dispute process for nearly the past two months.I told her I had all the documentation showing that its said its been in dispute for over 3 days and why wasn't it being removed accord to the fair credit reporting act. She said she would put an escalation ticket in and someone would be getting back to me. I've heard nothing. it's now XXXX and been over 30 days again if we are going with the lady saying it was disputed on XXXX. This is clearly a violation and the item needs to be removed because it has went past the 30 day deadline. I have all the information printed and kept for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Experian Information Solutions 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:
This is a confirmation that I am disputing several fraud inquiries on my Experian report. I tried to get a solution in the past. I sent Experian a letter requesting to get those inquiries removed because they are killing my credit score, however I was ignored. 

All I am asking is a fair solution to this big issue : get the inquiries removed from my report. I have attached a document. Please send it to Experian. Thank you.

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 2021-04-01
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX we moved into an apartment in XXXX called XXXX XXXX that was no where near ready for occupancy. We contacted the apartment manager as well as the corporate office several times with complaints about the structure, carpet, AC Unit, appliances, etc. We took photos of black mold in the AC Unit and window sills, cockroaches, our vacuum chamber that was filled twice ( we had only been there 1 day at that point ) and dirt on the inside of the patio door. This apartment was in severe disrepair with a pest problem that never got solved. During our stay, we noticed that other residents were having the same problems which were published on XXXX and a few we spoke to also had poor feelings toward their apartments. We documented everything and took screenshots every time we put in a work order. We took photographs of everything when we moved in and they still tried to say nothing was wrong. We finally moved out in XXXX of XXXX after over a year of complaints to the office. We had told the district manager at the time ( in XXXX of XXXX ) that our carpet was disgusting and needed to be replaced prior to our move in. They denied it and said the carpet had been steam cleaned and vacuumed before we moved in. This was absolutely a lie. We are now being harassed by Hunter Warfield for collection monies that are erroneous to our situation since we had already put in complaints that the apartment was disgusting when we moved in. We are not going to pay for a carpet that was in disrepair, needed to be replaced prior to move in and that was denied by management during our stay. We had nothing but problems with this apartment complex and do not recommend it to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I consumer XXXX XXXX have sent three Cease and Desist to ALLY FINANCIAL to stop ally communication on any and ally mediums about an alleged debt that is not owed and has already been paid. ALLY FINANCIAL continues to violate my federally protected consumer rights under the provisions of 15 USC 1692c ( c ). ALLY FINANCIAL has received my cease and desist by certified mail & return green slip on dates ; XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. ALLY FINANCIAL has not rebutted my three AFFIDAVITS OF TRUTH, statement of facts. ALLY FINANCIAL states that federal law governing them as a debt collector under 15 USC 1692 doesn't apply to them. On 07/13/2015 I entered into a consumer credit transaction extending my credit to ALLY FINANCIAL. This consumer credit transaction involved a finance charge in which is the SUM of all charges under 15 USC 1605. I consumer XXXX XXXX also put a cash down payment of {$4000.00} involving a credit transaction which is against my federally protected rights. The finance charged paid for the entire transaction. ALLY FINANCIAL committed fraud by taking monthly payments on an alleged debt that was already paid for through a credit transaction under 15 USC 1602. 

ALLY FINANCIAL has been using abusive tactics in order to collect a debt. ALLY FINANCIAL has threatened to illegally seize my property, something already paid for which is theft and is illegal under the Fair Debt Collection Practices Act. ALLY FINANCIAL is sending me threatening letters to seize my property and to continue damages my reputation as the consumer by reporting false and inaccurate information to the credit reporting agencies without my permission. I have reported these acts to the ATTORNEY GENERALS OFFICE. The harassment from ALLY FINANCIAL is causing me mental anguish, stress, and financial hardship. This alleged debt was already paid, I do not owe this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Synovus Bank
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Somebody tried to put a credit card in my name I did not apply for the credit card and it is now on my credit bureau and affecting my credit score it is called first progress and several other credit companies have inquired about my credit and I did not authorize this to happen

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation