BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted an application to refinance my home loan with Chase. As a part of the application process, I was required to have my home appraised. We have lived in the home approximately 18 months, during which time, the housing market in the surrounding area has improved for sellers. When our home appraisal was completed, according to the appraisal, the newly appraised value of the home declined {$25000.00}. There does not appear to be any rationale for the difference in value. I completed the appeal process offered through Chase, but was not successful in obtaining a revised appraisal value. I do not believe we received a fair and equitable process. I am concerned about the appraiser 's knowledge of our community and objectivity during the process. I am concerned that well known racial bias in my area may have influenced the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
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: Investigation took more than 30 days

Complaint:
Credit reporting agency has not corrected errors on credit report in timely manner. Need misinformation removed from 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 2018-07-30
Company: United Student Aid (USA) Funds
State: MS
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:
USA funds under XXXX Are trying to say that the information that I sent including a police report does not count and that for some reason the student loan is valid. Even though I sent numerous amounts of information to them to prove otherwise. I will be seeking legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Credit card through XXXX XXXX XXXX  reporting a {$39.00} balance to credit reporting agencies. There is NO BALANCE on this car. This is my wifes credit card and she added me as a user on the card ( to build my credit rating ). The {$39.00} is the annual credit card user fee. The fee has been paid in full. 
This needs to be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: HALLMARK HOME MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Purchased a home on XX/XX/21 I closed on the FHA 30yr loan on my first home. 
The appraiser documented No prior sales to the subject property in the past 3yrs other than when sellers purchased it I found out after closing I was the 4th buyer of the home in 1year. This information is public record on XXXX XXXX County accessors ' office, and XXXX. 
*My interest rate was locked and agreement signed, the fee for points changed 3 times without communication to me that the fee for points was changing while my interest rate was locked. The most important were on my preliminary and then changed again on my final disclosures.

*I was steered to believe I qualified for the Mortgage Credit for first time homebuyers and that Hallmark and my lender filed for the credit as stated and the program fee of {$800.00} was on all my of my CD 's except the final CD it was removed.

*I contacted XXXX XXXX XXXX who stated that nothing has been filed for any credits in my name, she also checked under my SSN and address. Nothing was ever filed. 
*My lender admitted that they didn't file it and threatened to push closing out to file for the credit which takes a month alone and the lender was aware that if we pushed closing out any further the sellers would not be willing to do, so I would lose the home. 
*Hallmark home mortgage steered me away from government programs to help with closing cost and down payment assistance which I qualified for due to my lender stating that if we go through XXXX XXXX XXXX will dictate the interest rates, and they will be higher. 
XXXXmorning of closing I informed Hallmark and my Lender that the CD was not accurate, showing credit cards that I had already shown proof of payment. 
*I have all the documentation in writing as I have a mortgage that I have not been able to afford, I had nowhere else to take myself and XXXX  children. I work full time in XXXX  and I have XXXX  young children. This was awful what happened to me, and I was backed into a corner where I didn't have a choice.

*This was originally supposed to be a conventional mortgage, but my lender stated it was not worth his time to do my loan conventional even though I had already taken the Framework for homeownership class and did everything required to do the Home ready program under XXXX XXXX  XXXX 
I filed a formal complaint, which they gave to an attorney, who did not address any concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite a deletion of a derogatory item ( collection ), despite my avaivblile credit moving to 100 % and despite $ XXXX in student loans being paid in full and closed ; my credit score dropped 32 points. For absolutely no reason. The aforementioned things all occurred in the same week and instead of it improving my score it dropped it 32 points. This must be an error and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Sequium Asset Solutions, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to appropriate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

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 2019-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery has failed more than 3 times to provide me with the original instrument of indeptedness is its original form. i have contacted them repeatedly but all i received was a generic answer using their e oscar and not the proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Experian Information Solutions Inc.
State: MD
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: Personal information incorrect

Complaint:
XXXX XXXX is not my name, I never lived at some address listed

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 2022-09-20
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-01-19
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CDAXX/XX/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2018-04-22
Company: Mercedes Benz Financial Services
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hello, I paid off my loan with Mercedes Benz Financial since XX/XX/XXXX however, till date I have not received my title. I have reached out to them multiple times most recently on XX/XX/XXXX and was given the same run around including that it was mailed on XX/XX/XXXX. What I received in the mail specifically has a disclaimer in bold letters on top, stating that " THIS IS NOT YOUR TITLE ''. I've consistently brought this to their attention and still no resolution. On my last attempt, the rep indicated that I had to pay to receive my title. This fee was originally included in my payoff quote last year, since I haven't received what I initially paid for, why charge me again? 
In my family, we have a long history of Mercedes Benz ownership, and until recently Mercedes Benz have commoditized it's brand, which has led to extremely low standard, deceptive practice, and poor customer service. This is yet another horrific experience. I simply want to be done with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Mr. Cooper Group Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAVE BEEN INVOLVED IN A CHAPTER XXXX BANKRUPTCY SINCE XX/XX/XXXX. IT WAS SUPPOSED TO BE A FIVE YEAR PAY OFF. WHICH WOULD HAVE ENDED IN XX/XX/XXXX. XX/XX/XXXX NATIONSTAR MORTGAGE LLC / DBA MR. COOPER SUBMITTED A SUPPLEMENTAL PROOF OF CLAIM TO THE BANKRUPTCY COURT. ( DOCUMENTS INCLUDED. ) MY ATTORNEY FORWARDED THIS TO ME. I IMMEDIATELY RECOGNIZED THAT MOST, IF NOT ALL OF THESE ITEMS HAD BEEN PAID. I HAVE REQUESTED MANY TIMES ( AT LEAST 10 TIMES ) DOCUMENTS FROM XXXX XXXX, NATIONSTAR AND MR. COOPER. THE DOCUMENTS THAT I REQUESTED ARE AS FOLLOWS : 1 ) COMPLETE HISTORY OF THE TAX AND INSURANCE ESCROW ACCOUNT.

2 ) COMPLETE HISTORY OF THE RESTRICTED ESCROW ACCOUNT ( INTEREST BEARING ) THAT HELD THE PROCEEDS FROM MY XXXX XXXX XXXX PAYOUT.

3 ) PAYMENT RECORD FROM THE BANKRUPTCY CT. CREDITED TO MY ACCOUNT.

4 ) YEAR END STATEMENTS AS REQUIRED BY LAW OY MY ACCOUNTS.

AS OF THIS DATE THEY HAVE NOT FURNISHED THESE DOCUMENTS TO ME. AND I NEED THEM TO COMPLETE MY BANKRUPTCY CORRECTLY.

ALSO, I HAVE NEVER MI9SSED A PAYMENT TO THE BANKRUPTCY COURT IN THE 7 ( YES I SAID SEVEN ) YEARS THAT I HAVE BEEN DEALING WITH THIS. THIS CAN BE CONFIRMED WITH THE COURT AND I CAN SEND YOU A PRINT OUT OF THEM.

THE SUPPLEMENTAL CLAIM WAS LATER WITHDRAWN ( SEE DOCUMENTS ) ON XX/XX/XXXX BUT THIS HAS CAUSED MUCH CONFUSION, EXTRA ATTORNEY FEES, AND A LOT OF EXTRA TOME ON MY PART TO STRAIGHTEN THIS MESS OUT.

THE MORTGAGE COMPANIES CAUSED ME MAJOR TIME AND EXPENSE. I COULD NOT DO MY TAX RETURNS, WHICH ARE REQUIRED BY THE COURT, BECAUSE THE DID NOT SEND ANY YEAR END STATEMENTS UNTIL THIS SUMMER. I FINALLY HAD TO GET APPROXIMATE FIGURES FROM OTHER SOURCES TO DO THE RETURNS FOR THE COURT. THIS COULD HAVE CAUSED A " DISMISSAL ''. WHICH WOULD HAVE MADE THE LAST SEVEN YEARS OF MY PAYMENTS AND EXPENSES FOR NOTHING!

THEY HAVE ALSO ILLEGALLY TAKEN THE MONEY FROM MY RESTRICTED ESCROW ACCOUNT APPROXIMATELY {$23000.00}, WITHOUT MY CONSENT.

MORTGAGE COMPANIES ARE REQUIRED BY LAW TO KEEP ACCURATE RECORDS AND FURNISH COPIES OF DOCUMENTS TO THE MORTGAGE HOLDER. ALL THREE OF THEM HAVE TOTALLY DISREGARDED THIS FACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loans have been transferred, yet again, to a non-responsive servicer. I have tried to contact them, as requested in their " welcome '' letter, regarding the PSFL program ( payments counted, outstanding information, etc ) and get a answering system with a 20 minute voice message that repeats information multiple times without ever connecting to a person. I have created an account on their website, but the website provides none of the information that I am looking for. I am currently on hold with Mohela and have been for over 30 minutes ( after their non-information message ). It is obvious that this is yet another pop up servicer that does not have the resources to do the job they have contracted to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was an XXXX XXXX XXXX customer back in XX/XX/2018. I cancelled the service and returned the equipment. A year later I noticed a collection on my credit which dropped my credit by 27 points from AFNI. I reached out to XXXX XXXX XXXX and they informed me that they would investigate the account. At the time I could locate the receipt that was handed to me at the XXXX store in the XXXX area. I later received a check from XXXX XXXX XXXX and thought that they had located the equipment and that everything was ok. I am at a point where I am trying to get my finances together and wrote a letter to AFNI and asked to resolve the issue by settling the issues ( basically a pay for removal from my credit ). So they responded with a verification letter, which details that the balance was for unreturned items. I found my old phone in my storage unit and found there receipt detailing the equipment was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was issued 2 store credit cards for Home Depot store with my same name and numbers on both cards. Unfortunately one of them were missing without me knowing for a little while. My wife who paid all the bills made the usual payments for a few months and questioned why did I went over the limit and why did I buy all that materials and not use my regular business credit card and that was when we both found out one of the card was missing and fraudulently used to make purchases between XX/XX/XXXX until XX/XX/2018. It went way over the {$2500.00} credit limit and we immediately called Home Depot/Citibank to make the disputes. The total charges were over {$3000.00} but I dont have the exact number because they put on interest fees and etc. ( They should have all the fraud charges by the exact numbers on their record ) I also told them we dont sign the back of any one of our credit cards and wrote Ask For ID on the signature panels for safety. 
After a course of over a year, We sent in police report, driver license and all the things they asked for several times. Sometimes with them never received it so I would have to send it again after a long waiting period. They always came back with one reason : *The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. 
The last person from Citi I spoke to on the phone with said because I made payments to the account so thats one reason why they decided to put the charges back into my account even though I kept telling him we would make payments due to us wanting to keep my credit perfect. 
With that being said, he then referred me to write to their : Presidential Communication Executive Response in Tennessee with the XXXX XXXX address in XXXX, Tennessee, which I also did, but until today I never heard back from them and dont even know if they received my letter and package. I am very frustrated because Home Depot didnt do their job of checking the card or ask for ID, allowed the account to go way over the limit to nearly {$4000.00} when limit was only {$2500.00} and now trying to pins me for something I didnt make the charges of. 
I cant put each and every item to itemized on here because it was so many that didnt even know where to begin. They do have all the info but kept asking me jump through hoops for over a year. 
They refused to go any further and kept telling me to send stuffs over the mail to a XXXX XXXX that I never heard back from. I am at the end of the rope. This is very bad practice and this need to get out to the pubic how they ran their business.

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 2022-08-17
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:
The following companies have inquiries on my credit report that I did not authorize, 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 non-monetary relief
Consumer complaint received 2021-05-03
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX, XXXX  and Experian all show an incorrect balance for XXXX/XXXX XXXX. This account has had a XXXX balance for more than 30 days and is not reflecting on my credit reports which is negatively affecting my credit and I am requesting that it be updated.

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