BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2019-03-12
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged the usurious and confiscatory overdraft fee of {$36.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19
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: Their investigation did not fix an error on your report

Complaint:
I have repeatedly notified the Credit Bureaus about an inaccurate collection account listed on my report. I have sent in documents showing the listing is invalid and inaccurate, however, the CB still refuses to remove the account in spite of the evidence provided. 
XXXX XXXX XXXX has listed a collection debt on my report for {$5000.00}, however, they are unable to provide me with a ledger showing that amount is owed. They did send a copy of my lease and a screen shot of a ledger balance " owed '', but nothing that describes the charges or the amounts allegedly owed. I've asked repeatedly for these from both the collection agency and the CB reporting the account- neither have provided any additional information. 
I feel as though I am being treated unfairly. Both the collection agency and the CB have a legal obligation to provide accurate information. If they can not do that, they can not legally list the information 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 explanation
Consumer complaint received 2019-11-08
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
AMERISAVE DISPUTE : On XX/XX/2019, we spoke with a Loan Officer from Amerisave to refinance our home. We are retired military and were using a VA Streamline loan. We had two Loan Officers from two different companies giving us quotes at the time to include the Loan Officer from Amerisave. The other Loan Officer told us that we had to wait for six-months of payments on our existing loan before we could qualify to refinance ( we had just bought this home this year ). However, Amerisave told us that information was not true. He stated that he already had approval to refinance us now, already pre-qualified us, and that we would Close on our loan in approximately 30 days from the date of application.

He then asked for {$500.00} to ensure that we did not proceed with the other company so that he wasnt just wasting his time. We obliged. Two weeks before we were to Close on our loan, he contacted us by email - he didnt even have the professionalism to contact us by phone. He stated that he had to apologize because he could not close on our loan until we had six-months of payments. He said that he would hold the {$500.00} until months later when he could refinance our loan. That was totally unacceptable. That was the first thing we told him initially and he insisted that he already had approval to proceed at that time.

To us, the contract was voidable as he did not fulfill his end. We contacted our bank to dispute the charge. Today, months later, Amerisave provided our bank with a contract stating that the {$500.00} was non-refundable. They reversed the dispute and retrieved the money although they did not refinance our home. We have already refinanced our home with the company who told us the truth from the very beginning. What is our recourse? Recorded phone conversations can corroborate our case. Most importantly, Amerisave initially took the {$500.00} in July hours before sending us a contract stating it was Non-Refundable. We DID NOT receive that contract until we had already given him our debit card information based on his false information via phone. If we had received the contract prior, we would have seen that it was Non-Refundable and would not have proceeded or taken his word. Please 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 monetary relief
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to block any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX Balance - ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX {$600.00} ; XXXX XXXX XXXX XXXX {$750.00} ; XXXX XXXX  XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX {$2300.00} ; XXXX, XXXX XXXX XXXX {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Mobiloans, LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The mobiloans website will not allow you to make additional payments. Its set up fraudulently to make it appear as if you can but is actually an endless loop of not being able to choose a date for your intended payment even choosing right now is not an option. I have screen shots of this payment processing inability for several attempts for weeks leading up to my due date of XX/XX/2019 in order to save from additional fees my intention was to apply a larger pymt so that my loan balance would reach a lower tier so i could possibly catch up and pay off this loan without the almost 500 % interest rate. For weeks when i attempt to access the website via my cell or computer the website conveniently has maintenance so you can not schedule or make payments or their is system issues or even when u call their ivr system doesn't prompt or ask if you want to make a pymt only prompts are directed and clear when it comes to extending this line of credit that will surely be your livelihoods demise as it will take your everything you have left unguarded. When i called i was given vague answers that did not allow me to full fill my intention of paying off this absurd loan. This type of predatory lending i thought my government was protecting me from is still alive and well and profiting off the backs of us lower income hourly tax paying workers. Shame on this company and shame on the government that allows it to operate freely.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-06
Company: Experian Information Solutions Inc.
State: CA
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:
im filing this complaint because Experian and XXXX are not holding up their end when investigating the inaccuracies on MY CREDIT REPORT. the account that I am needing removal or adjustment to is XXXX XXXX from XX/XX/XXXX. I have verification that XXXX XXXX was paid In full on XX/XX/XXXX so that means that XXXX AND EXPERIAN have not done their proper procedures to make sure this account is reporting CORRECTLY!!! they are definitely willfully and noncompliant and I need this account removed immediately or adjusted to a positive TRADELINE as it is showing NEGATIVE!! I have submitted the CFPB COMPLAINT FROM XXXX XXXX VERIFYING that EXPERIAN AND XXXX are not doing proper investigations

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 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have attempted to retrieve my free annual credit report from all three credit bureaus, but the website is not allowing to access or even submit the information online to access my report. I need to be able to obtain my credit reports as soon as possible.

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 2021-11-03
Company: World Acceptance Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
World finance co of XXXX ga various of location .start with XXXX XXXX XXXX XXXX ga, XXXX hope this is the right address and company .that a be with cfpb the company is lending out my money with out my say so. XXXX XXXX and XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX not has power of attorney over me no more .the company is mine out of the trust contract now. I am ask and give y'all a notice. That. I am the employer tax payer now .and all record and bank account be turn over too me. I have pin codes .no tax return can be filed .it will be fraud and jail ..so let get this did with out going threw all of that thanks. Get the company agent too research the tittle on the company .and this is a headquarters address on file sense XXXX .check the tittle of this address sense XXXX. A IRS tittle exam and tittle exam. This is a business estate. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, is deceased .sense XXXX .I am name as beneficiary too all his businesses. XXXX XXXX XXXX is fail too comply with the contract .abuse and abandoned the instructions of this contract. It why I am file the complaint. This a owner or world finance .I am owner .of this said business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
On XX/XX/2023 at XXXX, XXXX XXXX XXXX XXXX XXXX ) filed a notice of limited appearance for court case number XXXX in the XXXX XXXX XXXX in and for XXXX County , FL. A Notice of Service Court Document was delivered to myself ( XXXX XXXX ) and to representatives of XXXX XXXX XXXX and associates at XXXX, XXXX, and XXXX. 

On XX/XX/2023 at XXXX, I received a phone call from XXXX XXXX XXXXXXXX at phone number XXXX at my cell phone number XXXX. 

Persuant to the Fair Debt Collect Practices Act 15 USC 1692d, " if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Westlake Services, LLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
West Lake Financial is reporting erroneous lates on my credit file. These lates are from XX/XX/20, XX/XX/20, XX/XX/20. During this time i was going through financial hardship due to COVID. My hours were cut at work and i struggled to make the payments. I called and made the payments as soon as i could to try an avoid a late notation but when i checked my credit file i noticed the late notations. Under the federal mandates, CARES ACT, you can not report late during the pandemic or due to the pandemic. I also contacted West Lake and advised i was not able to make the payment due to COVID.

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 2023-02-10
Company: EQUIFAX, INC.
State: FL
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:
To Whom It May Concern, On XX/XX/2022 I sent you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX XXXX  XXXX Account number XXXX you received my dispute letter. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. You received my dispute letter.Therefore, your response was due on or by XX/XX/2022 Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming account verified but sent no proof. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have nol made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed Information. Additionally, as per the FRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of ( XXXX XXXX XXXX ]. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) [ ( Select one ) modify or delete the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1.00} check to my malling address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I called Chase Bank to refute a charge placed to a car detailer. The detailer failed to provide services for close to a year and refused to provide a refund. Every time I asked for a refund from the merchant, an excuse or delay was given for months on end to no avail. Called Chase to  refute the charge as a last resort. Charge was made XX/XX/XXXX and Chase let me open a case. Got a letter in the mail dated XX/XX/XXXX saying they have denied my claim and are going to reverse the credit of {$2800.00} they gave me. No reason given other than that the charge was correctly authorized. Call the claims department as I was never asked to submit proof or any other validation. Claims department proceeds to inform me that since it was over 120 days ago, they couldn't recover my money. I ask why they even let me make the claim, no reason given. Wouldn't escalate it to a manager or supervisor. I don't understand why a investigation wasn't done at all. The company involved flat out does not return phone calls and won't do a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
I received my credit report from XXXX XXXX. There are a number errors. I do not or ever had a XXXX XXXX credit card. I complained about this error a few times over the years. 
I have never lived XXXX XXXX XXXX XXXX XXXX, or at XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. These errors were supposed to be corrected a few times but keep coming back. 
Thank you for any help you can give me. Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I misplaced my wallet a week ago, along with my debit card, social security number, and other personal items.This has happened to me twice, and someone has deposited a cheque there. As soon as I noticed a deposit, I contacted the bank to let them know. After a few days, the bank contacted me that my account was restricted and would soon be closed. I tried to tell them that wasn't the case, but they continued to say they would close. Now that I receive weekly payments from my job and use my bank to pay for schooling, I'm not sure what to do. I simply want to know what can be done to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
About a month ago I tried to get preapproved for a loan. The loan officer said Equifax had a block on my account and for me to call them to unblock it. I called them and they said for me to send in or fax my identification to the dispute department at Equifax to unlock my account. I called about a week or so after sending AND faxing it to them and they said they haven't received it but there is no lock on my account because I do not have a file because I have no credit history/not enough credit history. I explained to them how I have had credit with my bank for four and a half years now and a car loan. Someone then told me my social is tied to a different name at Equifax. I tried re faxing my information and they still claim to have not received this information. I have been dealing with this issue for about a month now which has postponed my process of buying a home and it has been extremely stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to PHH bank from XXXX XXXX   XXXX in XX/XX/2010. I have not been late in paying my mortgage which is due on the XXXX of the month with a 16 day grace period. 

XXXX bank has bee contacting me every month on the XXXX of the month informing me that my mortgage payment is late, when it is not. 
This has become a constant with these people, which is quite bothersome and a harassment to me. I feel they are trying to DAMAGE my credit by constantly calling me about my mortgage- which has been paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: CA
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 DISPUTED OVER A MONTH AGO THE ITEMS LISTED, CREDIT BUREAUS HAVE VIOLATED MY CONSUMER RIGHTS BY NOT RESPONDING NOR LET ME KNOW THEY RECIEVED MY DISPUTES WITHIN 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 my name is XXXX and i was a victim of identity theft. I have numerous fraud accounts on my credit report. I filed a ftc identity theft report and police department. Fraudulent accounts include XXXX XXXX, XXXX XXXX, student loans, XXXX XXXX XXXX plus more.

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