BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: LD Holdings Group, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter from Loan Depot in XX/XX/2019 stating that I was prequalified for mortgage. Since I wanted to refinance my home to eliminate debts in an effort to lower my monthly expenses, I responded. 
I spoke with a representative, XXXX XXXX, and supplied the requested information to start the process on XX/XX/XXXX. After he reviewed the information he informed me that he would not be able to assist me at this time due to my length of employment. On XX/XX/XXXX I received a call from another Loan Depot representative, XXXX XXXX XXXX, and he stated that he was more experienced with loans having these conditions and would like to proceed with the process. I agreed and provided all required information requested from myself and my wife. XXXX advised us that it would be about 30 days to completion of the process through approval, appraisal, and closing. 
I received and email and a phone call from XXXX XXXX, Senior Account Manager, on XX/XX/XXXX stating that she would be my point of contact through the remainder of this process. On XX/XX/XXXX the loan status stated it was " still under review ''. Since going to underwriting on XX/XX/XXXX and the appraisal was completed on XX/XX/XXXX I requested an update from XXXX on XX/XX/XXXX. The auto response stated she was out of the office so I sent a text to XXXX XXXX XXXX asking for an update. He replied that he would check into the matter. 
On Friday XX/XX/XXXX I did receive a return call from XXXX and I ask again for an update. since the loan status as of today, XX/XX/XXXX, still remains " under review ''. 
She advised me that XXXX had closed the loan file on XX/XX/XXXX. I also questioned why I received an appraisal that contained photos of my home and no appraised value. Her response was, " I don't know ''. I have attached email correspondence reflecting the sequence of events which lead to this complaint. 
I feel all correspondence since XX/XX/XXXX has been misleading and deceiving. Were this a loan involving another ethnicity I believe it would have been approved and funded without all the deception. Since we have been put off for so long any opportunity to secure alternate funding has been hampered.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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: Personal information incorrect

Complaint:
The consumer reporting agencies have my name, address and employer listed incorrectly. I have enclosed a copy of my driver 's license which shows my name and address. 
See attachment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: Bread Financial Holdings, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I made arrangements to set up Payment and it didnt come out 3 late payments! Im in the process of refinancing my home because of covid 19

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: JPMORGAN CHASE & CO.
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called a plumber to do work on my kitchen sink. He quoted me a price of {$75.00} and hour, He was at my house for about and hour and a half, He charged me {$300.00}. He told me that he was a licensed plumber and I found out later that he wasn't. I contacted Consumer Protection and they told me that he can not bill me at all in the State of CT if he is not licensed, it is against the law. He didn't fix the problem and I hired someone else which cost me {$170.00}. The credit card company as a courtesy only gave me back {$150.00}. I sent proof to the credit card company of the laws in CT and that this person is not licensed and they gave the money to the merchant. This is dead wrong. Consumer Protection said  that I should be refunded the full amount. 
It is no different than a doctor doing surgery and billing you and he is not licensed and has no right to do surgery or bill you. The credit card company should have taken my side completely. It is Citibank Mastercard. The state told me that this is a fraudulent charge because this merchant is not a licensed plumber and can not touch someone's pipes, never mind charge a person. The credit card company handled this terribly.

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 2020-01-14
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been getting charged XXXX every month for XXXX XXXX I dont know what that is and I never agreed to those fees.

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 2022-02-22
Company: EQUIFAX, INC.
State: CT
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:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS that are inaccurate. Please remove these negative items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Central Mortgage Funding, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I had worked with CENTRAL MORTGAGE FUNDING ( CMTG ) for a loan with an objective to get some cash-out about XXXX to XXXX to help save the Kitchen and Remodeling Franchise business we had. 

CMTG was able to underwrite the loan provided a Loan Estimate with {$87000.00} cash-out, and on XX/XX/2022 : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- at the time of signing the Initial Disclosure, the cash-out was XXXX. 

But on XX/XX/2022 : however the final closing disclosure ( CD ) document had a cash-out of {$8700.00} 1. On the closing signing in event at my home a settlement officer came to get the signatures for the closing document. 

2. I refused to sign the CD, the settlement officer calls the loan officer late around XXXX XXXX to tell him that I am not signing the document. 

3. The loan officer then talks to me on speaker on the same call and pleaded with me several times for almost 10 minutes and told me that I have XX/XX/2022 to cancel the loan. 

4. At this point, we obliged to sign the document. 

5. Due to significant work that week ( Thursday and Friday and weekend ) due to a deployment for migration in my job, I had hardly had sufficient time to go thru the document. But on Sunday, I decided to cancel and on XX/XX/XXXX I signed the Notice of Cancelation and duly sent to Mortgage officer by email and as well by USPS overnight. 

Loan officer again tried to convince me to take the loan, I refused then he said the funds have been already disbursed so asked to talk to the mortgage company and have the money returned back. 

I worked with mortgage company had it returned on XX/XX/2022 after several calls with the previous mortgage company. 

But what title company did was to send another wire with the exact payoff amount which the automatic system took it and closed the loan. 

Now, the second mortgage funds with bank ( an SBA loan ) was not paid until XX/XX/XXXX week because the bank got acquired by another bank and they were not aware there was a payoff for my loan. After several follow-ups, they found where the funds were and got paid in XXXX. 

The other checks are still with me as instructed by the loan officer were never cashed. 

Now, they send an email that I have signed the CD and the loan can not be reverted. 

I feel cheated and distraught as the loan had added another XXXX XXXX to my debt. I am alreayd XXXX XXXX XXXX, the only way, I can payoff this loan is to sell it as I donot have the capacity to pay {$3700.00} every month after my retirement which I am yet to decide. 

I need justice, but legally, I have no options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Quality Asset Recovery LLC
State: NJ
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:
HIPAA Violation : I did not give authorization, written or verbally to have my PHI shared with anyone. QUALITY ASSET RECOVERY needs to provide a copy of written authorization that releases my PHI to them. If an electronic transfer was conducted then they need to provide a description of how they recieved my ePHI to show their compliance with the HIPAA SECURITY RULE, specifically the HITECH ACT of 2009. Also, they need to provide a copy of their BUSINESS ASSOCIATES AGREEMENT ( BAA ) outlining their responsibilities to the covered entity pertaining to 45CFR 164.504 ( e ). QUALITY ASSET RECOVERY needs to prove the accuracy of the amount alleged to be owed by providing a full accounting in accordance with G.A.A.P. 
I have also submitted an Affidavit to QUALITY ASSET RECOVERY outlining these same points. ALL correspondence is to be considered evidentiary.

Alleged account XXXX**** my report does not provide a full acct # Alleged amount owed {$120.00}

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 2023-08-14
Company: Experian Information Solutions 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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and 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 2023-08-14
Company: Experian Information Solutions 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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

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 2023-08-14
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Friday XX/XX/XXXX, I discovered my accounts were frozen. I called to verify why my accounts were froze and what I needed to do to unfreeze them. Chime told me to email countless documents to support for suspicious activity. Ive sent them every document asked of me. I was told the company would respond to my emails in 24-48 hours. It has been 3 days no response. Every representative tell me something different. I just want access to my money. I have no had access in three days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
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: Account information incorrect

Complaint:
XXXX XXXX collected money from me that I did not owe and is still reporting me aa late when the account was paid in full.

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 2022-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
in XXXX I was receiving Unemployment benefits for the amount of {$2100.00} every two weeks. happened that for the weeks e ending on XX/XX/2020 & XX/XX/2020, I never received the Deposit regardless XXXX confirmed have sent to Bank of America. 
When I open a complaint XXXX XXXX XXXX XXXX ( Resolution Specialist ) from the regulatory Complaints from that Bank sent me a letter sent me a letter closing the complaint and off course backing ups her Bank, and also sent me my Bank Account Activity for such Debit Card BUT ONLY until XX/XX/XXXX!!! 
She never sent me the Debit card activity involving the weeks in complaint ( XX/XX/2020 & XX/XX/2020 ). I believe she sent that in purpose because they could NOT prove that I have received nor withdrawn such amount {$2100.00}. I replay to her email asking for the two weeks activity statement but she just ignored and never hear back from her. 
You closed the complaint ( XXXX XXXX XXXX ) as well giving for granted that whatever respond from that individual was accurate. 

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 2018-08-09
Company: Client Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received numerous calls and correspondence from XXXX XXXX XXXX On one of the correspondence ( settlement offer ) dated XX/XX/2018, stating that if I paid {$1700.00} by XX/XX/2018, they would settle the account. If the requested amount was not received by XX/XX/2018 the offer would be " null and void ''. I did send in the requested amount which was sent on XX/XX/18, which I realize would not be received by the requested date, but sent the check in hopes they would accept and settle the account. 

I called a couple of weeks later when I realized they cashed my check asking when I would get a letter that the account was settled. They informed me that the account would not be settled since I did not called them prior to sending in the payment. There is nothing in the settlement offer that states I must call them prior to sending in the requested payment which I told them but they insisted that I was to call them prior. 

I asked to speak to a supervisor as I could not understand the person whom I was speaking with and she refused my request but told to " call back tomorrow ''. I waited about a week to try to settle this matter again. And again I was told the account would not be settled as I didn't call prior to sending in the payment and also the payment was not received in the requested timeframe and that the offer was " null and void ''. I again asked to speak to a supervisor and after being put on hold numerous times, I was finally connected to supervisor, XXXX  id # XXXX, which was no help and just kept telling me that I didn't call prior to sending in the payment and that the payment was not received by the requested timeframe and the offer was " null and void ''. When asked why the check was deposited he didn't have a concrete answer, I told him that that was stealing and I wanted my payment back. At that request he told me I could call back the first part of XX/XX/XXXX and they would have another settlement offer or I could contact their dispute dept and see if the dispute dept would refund my payment which I am sure would not have happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Dear Transunion I want to 1st would like to thank you for working with me during these disputing of inaccurate and incomplete information on my credit file after asking you to reinvestigate the items that you stated that was reporting correctly on my credit file I have noticed a ton more of Violation of the FCRA that needs to be addressed from your agency and this is a NO NO FCRA state very clearly in order to report on a consumer 's report the information must report at 100 % correctly or the items must be deleted. Ok lets get started with XXXX XXXX account number XXXX balance amount for {$8600.00} they reported a 30 day late on XX/XX/XXXX I do have a canceled online payment that XXXX cashed a check on XX/XX/XXXX so that payment shouldn't have been late then I looked at XX/XX/XXXX they reported another 30 day late I also have a check that they cashed on XX/XX/XXXX..and beside the fact of the matter On XX/XX/XXXX That should have been a 60 day late but It's showing another 30 day late how is this possible???? see attached for Proof. and it's gets more Violation When I get to XX/XX/XXXX and XX/XX/XXXX Looks like they stopped reporting this is a incomplete and again Violation and has to be removed. Unless you plan to Investigate this account here is what I'm going to need from you is a payment history dating back on XX/XX/XXXX - XX/XX/XXXX But I'm asking you to delete this ASAP as you have wasted my time sending letters via US MAIL AND VIA the CFPB claiming to have verified this account And most of all you haven't investigated anything so please remove this account ASAP

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