BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
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:
An initial dispute of the items on my Chexsystems report was made on XX/XX/XXXX. Included in the results of that dispute was an account for XXXX XXXX XXXX showing that I owe XXXX. The only validation made for this account is a statement made by the bank that " additional negative activity took place increasing the balance to {$470.00} at the time of charge off. '' On XX/XX/XXXX, a 2nd letter was sent to them asking for the documentation supporting that statement. Their response ( received on XX/XX/XXXX ) is attached ; however, again, no proof of the debt was included ; they simply restated the same thing. Please delete this account from my report in compliance with Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC
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:
I have a master card with HSBC. A hold was put on my card around XX/XX/18 ; I believe because of increased activity due to holiday shopping. Since XX/XX/18, I have called customer service over 8 times. Each time I have been transferred multiple times and then placed on hold for up to 1.5 hours. I usually have to end call because after 1 to 2 hours I have work or other issues to attend to. I want to close the account because of this poor service but customer service says I can't until fraud department speaks to me. Even " direct number '' has resulted in these transfer loops and excessive hold times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Fairway Independent Mortgage Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I went shopping for a home, contacted Fairway, to do the mortgage and provide a loan interest rate that I can use as pre-approval. I talked to XXXX ( dont know her last name ) initially, I was given pre-approval of XXXX at 2.65 % rate loan. Once a home I liked was located, and our bid accepted. This is where the Bait-n-Switch takes place by Fairway. The Loan Paperwork is sent to me by email. It states I have to log into their website to fill out the forms required and lock in my rate. The loan initially discussed with XXXX on the phone was XXXX & down and no PMI if possible, if not 20 % down payment. Because of this when I went shopping for homes this is the calculator used to see if I was comfortable with that payment and that much down payment. The Loan Paperwork sent by XXXX XXXX the Loan Officer, was for 33 % down payment and my loan only good for {$150000.00} dollars. 
A little more perspective here, a 10 % down payment was {$22000.00} on a home. A 20 % down payment was {$45000.00} dollars. These two numbers I was using to figure out payment on my XXXX  website, XXXX, and or XXXX. I found and paid {$350.00} dollars to do a home inspection on a home I intended to buy. 
The actual loan paperwork sent by Fairway Loan Officer XXXX XXXX contained a Down payment of now {$75000.00}, a 33 % loan, a rate now at 2.85 % and a loan amount of only {$150000.00} No response from any person at the company at all. I attempted to call the Loan Officer XXXX XXXX on two separate occasions, got voice mail, then a text " I'll call you shortly '' and then never called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: EQUIFAX, INC.
State: IA
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 disputed accounts on my Equifax report and they verified it as accurate but they are not my accounts I asked for proof and they send me none XXXX never had a account XXXX XXXX have had XXXX for last 5 years XXXX XXXX is saying I wrote a check to XXXX I don't have a check book I have tried to dispute these accounts I get nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: LTD Financial Services, L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LTD Acquisitions LLC is reporting false and inaccurate information on my credit report.

This company is alleging ( by reporting ) that I owe and amount on an account that is still open. Collection agencies are not lawfully allowed to report an account as open, nor are they lawfully able to report a past due balance. 
This alleged debt has also never been validated after them calling me repeatedly ( after being advised to only contact me by mail ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/18 and XX/XX/18 Ditech my mortgage company sent me letters saying I had to increase my flood insurance at XXXX XXXX XXXX otherwise known as XXXX XXXX XXXX or they will find me insurance and it could be expensive. I immediately took action calling and also leaving messages at least five times with XXXX at my flood insurance company. She refused to call my mortgage company but she told me the old policy had to be paid off first before any changes could be made. I called and emailed Ditech at least five times giving them this information. They finally told me the flood policy would be paid off from escrow within five business days after I got a notice of cancellation because it had not been paid by XX/XX/18. My flood policy expires on XX/XX/18. On XX/XX/18 my flood insurance called me and XXXX had me pay a small amount ( less than {$40.00} ) for the extra coverage on my policy by credit card even though I said I have an escrow account for this. On that same day I got a letter from Ditech dated XX/XX/18 accusing me of ignoring their warning letters concerning flood insurance and informed me it will cost me {$210.00} ( includes XXXX XXXX  ) and this would be on top of the {$340.00} or so I already pay for flood insurance. Since then I have called Ditech ( again ) asking to speak to a supervisor but was told by customer service that nothing could be done until another escrow analysis takes place ( that includes the higher insurance they got me ). I emailed them yesterday twice with no reply so far. I am reaching out to you because this is the third mistake my mortgage company has made in a year and I dont have much faith in them to resolve this matter correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This Mortgage company raised my mortgage XXXX When asked why they stated because my taxes increased as well as my homeowners insurance. Which both are correct. They then directed us to lower our homeowners insurance and this will get our payments back down, so we did just that only to receive a XXXX decrease. When asked how did they come up with the outcome to raise our mortgage from XXXX to XXXX they cant give a definite answer. When sked to speak to the person that perfume the analysis they stated that they don't take calls. I am a veteran and I find it extremely disheartening to have fought for my country to only end up being literally robbed of my hard earned money.

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 2018-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX to XX/XX/XXXX Debt collectors were contacting my family members whom I DID NOT list as contacts. They had called a minimum of 3 family members, including my mother informing they were looking for me to collect debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: NY
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'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .On 07/12/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on 07/12/2021, I contacted Transunion via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I reported the following accounts to the Credit Bureau of Equifax to be removed from my credit report. These accounts were fraudulently opened in my name and I submitted a a copy of a dispute letter, Approved XXXX Police department Identity Theft Report, a copy of my Drivers Licence and a copy of my Social Security Card. According to section 605B which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This information has been added back onto my report, even though proof was submitted & also legal documentation was provided. These account need to be removed from my account immediately. No documentation was ever provided with my signature saying i approved of the opening of these accounts XXXX  XXXX  XXXX  XXXX/ Date Opened XX/XX/XXXX /Credit Limit {$150.00} XXXX  XXXX  XXXX , Date Opened XX/XX/XXXX High Credit {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2020-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
My current lender is XXXX XXXX  XXXX XXXX. My mortgage loan was due to renew on XX/XX/XXXX. I did not receive letter until XX/XX/XXXX that my loan was to be renewed by XX/XX/XXXX. I called bank and they sent me an extension letter until XXXX, XXXX. In meantime they sent me paperwork to fill out financial info. I had filled out all paperwork and sent to bank. I never heard anything back from them about my refinance Loan. I received letter from a lawyer dated XX/XX/XXXX stating that my loan was sold to XXXX XXXX XXXX. They are demanding full payoff. XXXX is not doing refinancing. I applied at another bank but was denied a loan because of my credit score. XXXX XXXX  reported to the credit bureau that I was late on payments over 90 days for XXXX months. I have never been past due on my payments. They reported past due payments but it was past due on the refinance really. XXXX has ruined my credit. I owe {$21000.00} on my loan that is secured by a mobile home and XXXX acres of land with improvements. No one will give me a loan due to my poor credit score. I never heard anything back from XXXX about my renewal loan. I've called numerous times but the loan officer never returned my calls. I am XXXX and I have nowhere to go. This is my home!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$400.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX/XXXX XXXX XXXX {$620.00}

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 2020-09-23
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed a rental agreement from XX/XX/XXXX until XX/XX/XXXX. I had numerous issues with this company from having strange men that supposedly were there to spray for bugs just walk into my home without knocking or announcing themselves. When this happened I requested to have someone contact me from corporate which never happened at this time i made it very clear that I would not be signing another lease. In XXXX I went to the leasing office again explained My current landlord would be sending over a rental verification because I was not renewing the lease and could they fax it back This was on XX/XX/XXXX. My new landlord advised that she never received the verification so I went back to the leasing office gave the young lady that sits by the door the documentation stating I would be out by XX/XX/XXXX. She stated she would resend the verification to my new landlord but of course they did not I had to go back and forth to this leasing office until XX/XX/XXXX and stand in front of the woman that claims to be a manager but is extremely nasty and watch her fax it while I stayed on the phone with my new landlord. AT this time I advised and asked do I need to do anything else with yall to make sure im in good standing with you all. She said I was all set just turn in my key which I did on XX/XX/XXXX. Mind u I moved out on XX/XX/XXXX and also paid the rent that was owed. Maintenance and everyone in that office was aware I was moving. I have copies of documents provided to me by the apartment complex showing where all payments were up to date as well as my current bank statements. I never once signed a new lease and my rent was XXXX and that simply doesn't add up to over XXXX dollars owed to them not when i have proof they were paid out. On top of that I never got my security deposit back either. I was told by others in the building that XXXX XXXX XXXX will just continue billing u each month even when they should not be which is obvious in my case because there was no damage no stains on the floor no holes in the wall or anything just an empty apartment when I turned my key in. I have made several attempts to call them since then and I get no response. I call and call and nothing. Even the collection agency that I realized they used to add this to my credit just sends u to voice-mail. This was the absolute worst experience dealing with these people

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: JPMORGAN CHASE & CO.
State: PA
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:
I Paid Off The Credit Card I Had With JPMorgan Chase Earlier This Year. The Agreement Was Pay For Deletion. Even though The Transactions Where Fraudulent And I Reported That Several Times With Chase Bank. I Paid The Full Amount To Remove The Credit Card From My History And It Is Still There.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: NY
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 Am a PROTECTED CONSUMER ( XXXX XXXX XXXX. I know my rights. I sent these credit reporting agencies a statement on XX/XX/2021 stating there are fraudulent accounts on my credit report. this is illegal under the FCRA, and I want the CFPB to take action. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. Other accounts are listed as late when under 15 USC 1666b says there is no such thing as late payments, that is very deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$400.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX/XXXX XXXX XXXX {$620.00}

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 2021-10-22
Company: Spring Equity LLC
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XXXX of 2021 we started the process of applying for a HELOC with Spring EQ llc and in mid process after a hard credit pull they just stopped contact. We called and were told we were assigned a different loan person. This person reached out once and then nothing. I have names and texts and emails of all. At this point we decided to put the process on hold because life happens. Last week we tried again and got names of multiple companies. Once again Spring EQ contacted us and wanted the business. We talked with 3 different people as it seems theres no internal communication and then settled with a loan officer named XXXX. Emailed a few times, stated he had to pull credit again as it had been too long so he did. And once again other than an email calling me by the wrong name, we never heard from this company again. Thats 2 hard credit pulls and then zero follow up with company. No return emails or calls. Nothing. This adversely affects credit as they know. Attached are just a few of many emails and texts as proof. I have multiple agent names and we have filed a complaint with the XXXX  as well.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief