BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-07
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: Their investigation did not fix an error on your report

Complaint:
I have written Equifax multiple times disputing incorrect items on my consumer report and each time I dispute they have either not responded or just updated these items as verified without sending me the method of verification or validation. I have also sent Equifax multiple disputes regarding unknown fraudulent inquiries on my consumer report. I feel my rights are being violated and that Equifax is not following the law when it comes to my consumer report. Equifax has assumed a role and without my written permission and has been adding accounts to my consumer report. I never gave Equifax my consent to have my information or to share my information. Equifax has wronged me due to its negligence and willingly and knowingly continuing to participate after being instructed to remove these items. Here are the account and inquiries that i have been disputing. These are the accounts XXXX XXXX, XXXX XXXX, XXXX -, XXXX XXXX, XXXX, XXXX. These are the inquiries XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Greetings. 

I sent a disputes letters to the credit bureaus sunch as XXXX, XXXX and Transunion, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Intelliloan, Inc
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I paid for a home appraisal with Intelliloan and it was done. I had another mortgage company ( XXXX XXXX ) come in with a lower interest rate. I then I asked Intelliloan to transfer the appraisal to XXXX XXXX. They refused to do this saying that their company policy was that they only transfer FHA or VA appraisals. I think this is outrageous because I paid XXXX dollars for the appraisal. It is mine, I paid for it! Since they wont match the offer, there is no reason why they should not transfer my appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Byrider Franchising, LLC
State: IL
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX NCB  MANAGEMENT SERVICE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious NCB MANAGEMENT SERVICE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had started a va refinance loan with Rocket Mortgage { IRRRL }. They told me that va required a deposit and appraisal. A couple days later I see thru a flyer that va does not require a deposit or appraisal. I contacted the rep XXXX XXXX and confronted him about this and he finally it was Rocket Mortgage policies. I told him to terminate the application and NOT to send an appraiser and to refund my money of {$500.00}. I have not send my refund. 

I feel that Rocket Mortgage should be censored someway and other Vets should be warned of Rocket Mortgage 's lying practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I created a XXXX XXXX  account and saw that I had a couple credit cards opened in my name unknowingly. One of the banks that this account was opened for was Discover bank back in XXXX. At that time I was a minor ( under the age of XXXX ) I would need a parent guardian if I wanted to open a bank account let alone a credit card. Discover bank closed the account in XXXX due to failed payment and it said I owe them {$1100.00}. Ive been trying to dispute these allegations for the longest by phone or the credit karma app nothing has worked I even gave them my correct LEGAL information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: CA
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 these late payment remarks

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 2020-09-09
Company: FREEDOM FINANCIAL NETWORK
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In 2018 we couldnt keep up with credit card interest and contacted Freedom Debt Relief speaking with XXXX XXXX. I asked before I signed up what would happen if I became unemployed again which is the reason I needed their services. Construction was bad and I fell into debt supporting my family. XXXX said if I lost my job I would just stop paying and pick up where I left no charge. First they settled with XXXX which was about $ XXXX and began settling with other smaller creditors until told them to slow down because my original $ XXXX monthly payment soon became almost {$1200.00}. I was fortunate to work incredible overtime to barely keep up last year. I was sued by XXXX XXXX XXXX, XXXX, and XXXX XXXX  and FDR provides attorney XXXX XXXX from XXXX who didnt reduce my debt I ended up with payments that increase in time that I have no idea how I will pay them when they go up. This year construction started out slow and then Covid19 hit so since the end of XXXX I have only worked a few weeks. Our savings was disappearing so I asked FDR to ask my creditors for Covid19 relief which they did not do so I called XXXX myself. XXXX said since they sued me they only speak to XXXX XXXX that called me minutes later. He was able to get me a 2 month break but now XXXX XXXX XXXX wants past due in full even though I wasnt working. I asked FDR customer service to stop withdrawing from my checking account and they continued until I threatened them with the XXXX because I was advised to do this by XXXX XXXX whom they appointed. FDR still has never spoken to XXXX XXXX about Covid19 relief and now I am lucky to work part time and am trying to pay FDR even though it might lead me to bankruptcy. XXXX XXXX is the last FDR Representative that I tried to communicate with. FDR costumer service is terrible. I feel like I am set up for failure after being promised they would work with me if unemployment was an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi all my account is settlement of pay off. but 2 of them still showing I have late payment

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to get rid of fraudulent accounts since XX/XX/2020 XXXX and Transunion seem to not be able to report accurate information Transunion XXXX XXXX XXXX still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX/XXXX  Credit Card still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX  XXXX XXXX XXXX still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX/XXXX  Credit Card still showing - needs to be removed ( Showing as Open and 30-59 days late ) XXXX XXXX Credit Card still showing - needs to be removed ( Showing as Open and Current but has been in default since XXXX ) ill enclose my Driver license social security card and original identity theft report from 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 2018-07-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
A XXXX XXXX account is being reported on my credit file on both Equifax and XXXX reports and XXXX has properly corrected the apparent mismatch with their verification process. I have tried many times to correct the mismatch names or anything that Equifax is using to validate my information as reported by XXXX. 

I've disputed it with Equifax, XXXX and XXXX, yet this account continues to be reported without any proof. I have proved by a sworn affidavit, still not refuted, that the XXXX account is not my account, I've never lived at the billing address, and I have never opened a XXXX account with that account number. XXXX has investigated this properly and removed said item from my report. 

The last dispute filed on XX/XX/2018, and results arrived at on XX/XX/2018 by Equifax stating that the account was validated, yet I was not provided anything showing how or any supporting documents after submitting a sworn affidavit. 

Again, XXXX, reporting a XXXX XXXX account is the only account on my report preventing me from acquiring a mortgage to buy a house at reasonable rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several items reporting on my credit file as a result of identity theft. The following items are not mine : Names : XXXX Names : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX - Bal : {$0.00} ( XXXX and XXXX ) XXXX - XXXX XXXX XXXX - Bal : {$1300.00} ( TU, XXXX, XXXX ) UNKNOWN - XXXX - BAL : {$75.00} ( XXXX ) XXXX XXXX - Bal : {$1000.00} ( XXXX ) XXXX XXXX - Bal : {$0.00} ( TU and XXXX ) The following late status is incorrect. Please remove the following inaccurate late reporting from the following accounts : XXXX XXXX - I was never 30, 60, 90, 120 days late XXXX/XXXX - I was never 30 days late Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Attached you'll find the identity theft report I filled out with XXXX XXXX You will see the accounts listed on the report. 
XXXX XXXX {$850.00} opened in XX/XX/XXXX XXXXXXXX XXXX  {$13000.00} opened in XX/XX/XXXX XXXX XXXX XXXX {$2700.00} opened in XX/XX/XXXXXXXX XXXX XXXX {$13000.00} opened in XX/XX/XXXX XXXX  {$580.00} opened in XX/XX/XXXX The credit bureaus are reporting inaccurate information that doesn't pertain to me under 15 USC 1681. I am in the process of buying a house and it's also a defamation to my character and livelihood

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 2018-10-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX of XXXX I reapplied for a rate reduction program that lowered my interest rate to continue a monthly payment I could afford. In XX/XX/XXXX I lost my job and was accepted into an XXXX XXXX so I could begin an effort to seek more lucrative employment. 

When I realize I would have to temporarily stop payments due to having NO MONEY coming in, I called to request a pause. The representative on XXXX XXXX told me that not only would they NOT pause my payments my rate reduction plan was ending so my payment would increase and I would only be able to call back the following month to even re enroll in the program, leaving me subject to a higher payment. I requested the amount of the higher payment and due date but was denied that information and told to call back. 

I had two autopayment verbally authorized monthly that I was trying to make sure were no longer in play on this XX/XX/XXXX phone call and was repeatedly told to call back to do anything. On XX/XX/XXXX, Navient illegally cleared out my checking account for a payment of {$700.00}. My previous authorization had only been for theXXXX of the month for two payments of {$60.00} and {$310.00}. Under no circumstances did I agree to pay {$700.00} via auto payment on the third of the month. 

Additionally, when I called on XX/XX/XXXX, I was asked yet again, for above the XXXX time, for my co-signer who died in XXXX. Upon his death I immediately submitted his death certificate and all required information. I supplied this information 3 different occasions and their continued ask and incompetence regarding this issue continues to create emotional stress each time. 

When I requested a refund I was told the process would have to be reviewed because my account was technically delinquent, despite having set up payments that I could afford ; NO MENTION OF INCOME BASED REPAYMENT, and flat out denial of pausing payments. Dealing with this company has continued to cause me undue stress while I have made every attempt to continue to pay despite my financial situation. I have been threatened with default, despite consistent monthly payments for years ; I was also told by the collections manager, XXXX XXXX who reports to XXXX XXXX, that I agreed to higher payments at the end of the rate reduction program or they wouldnt have enrolled me. I was not given a single chance to communicate my income changes and I did not authorize any direct debit from My account aside from the two amounts on the XXXX of each month. They have illegally taken my money and are trying to blame me for it despite my continued efforts to contact them. PLEASE HELP, these people are vultures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under use 1681XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 u.s.c 1681 section 602 A states I have the rights to privacy. 
15 u.s.c 1681 section 604 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 u.s.c 168lc. ( a ) ( 5 ) section states : no consumers reporting agency may make any consumers report containing any of the following items on information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than seven years. 
15u.s.c.168ls-2 ( a ) ( C1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2018-03-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My husband and I have a joint check account with Chase. My husband has had this account for 7 years. Chase closed our account with our prior notification today XX/XX/2018. When I called to find out the reason the only response they would give me is " Chase has reviewed your account and has decided to close it '' My husband and I were both expecting a direct deposit from our job today and when I asked about that money Chase responded that they are holding the money for two business days and then will send a check. The money in my checking account is the only money I have. I have a XXXX year old daughter at home that I need to feed and pay for her daycare. I can not wait for a check to come in the mail. It is unfathomable to me that Chase is allowed to hold my money and not even give me an explanation. Chase even opened up a savings account for me on XX/XX/2018, so there was no issue with my or my account then. I went into a branch to see if they can give me more information and they said " Sometimes chase does this and they wont even give the branch managers information. '' The branch manager saw nothing concerning on our account either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-10
Company: JPMORGAN CHASE & CO.
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: Problem with customer service

Complaint:
A week before my scheduled airline flight, I realized that Chase had not sent me a renewed XXXX XXXX card ( XXXX XXXX is a perk that comes with the credit card and includes airport lounge access ). On the week of XXXX XXXX, I called the customer service number on the back of my Chase XXXX XXXX credit card. The customer service representative told me that if I did not receive my XXXX XXXX card before my trip I would be able to access any lounge and any fees would be reimbursed as part of the agreement. 

On XXXX XXXX before my scheduled flight, I did not receive my XXXX XXXX card and therefore I accessed a XXXX lounge and I charged my Chase XXXX XXXX credit card with the understanding that I would be reimbursed for the lounge access, per the customer representative recommended action. 

On the week of XXXX XXXX, I called Chase customer service to make sure that they were processing my reimbursement, however they stated that they could not reimburse my lounge access because the lounge that I accessed was not part of the XXXX XXXX umbrella. However, during my initial call on the week of XXXX XXXX, customer service did not state that the airport lounge had to be within the XXXX XXXX umbrella and only stated that any lounge access would be reimbursed. 

For my call on the week of XXXX XXXX, I asked for my case to be escalated and for my call to be reviewed. I called the following day and asked the status of my request and customer service stated that my case for reimbursement had continued to be denied. I feel that Chase is going against their word and is ducking their responsibility to, me, a lifelong customer.

Company response to consumer: Closed with monetary relief