BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a refinance offer from Chase ( my current mortgage company ). It stated they would lower my interest from 4.75 to 3.75 and my APR would be 4.22. I called Chase and worked with XXXX XXXX. She was really nice and assuring and when I provided the offer number on the letter to her, he confirmed the rates and asked me if I wanted a 15 year or a 30 year refinance. I told her 30, because I 'd like a lower monthly payment. She pulled my credit and said my scores were great ; XXXX 's. I filled out all sorts of paper and sent her everything she required of me. Several weeks later I get a call from her telling me that the underwriter is requiring her to contact me and make a counter offer of a 20 year refinance. I 'm like .... I have 21.5 years to go on a 30 year loan. I want a longer loan, not a shorter one, so I can have a lower payment. She apologized and told me that this was the first time she 'd been required to do this and she would let the underwriter know that I wanted the 30 year refi. I get a call a day or so later from XXXX, telling me that I was n't approved for the 30 year, they could only do the 20 year. I told her the letter did not offer me a 20 year loan. It offered a 30 year. I never asked for a 20 year. She did n't seem to know why I was being denied and said well maybe it 's because your APR will be 4.55, and since it 's not dropping at least half a point, the underwriter decided not to approve. I said where did this 4.55 come from? You told me 3.75 interest and 4.22 APR. Would it be approved if you put down the APR that you told me it was going to be? She really did n't seem to know how to answer me. I told her I feel like I was tricked. Like they had tried to pull a bait and switch on me and I sent a message to their XXXX page advising them of what I had been put through. I was contacted by a nice lady name XXXX who seemed to know even less than XXXX, and she was n't able to help me either, nor give me any explanation as to what happened with my original loan offer. All I wanted was to refinance my loan and lower my monthly payment. All I got was a big waste of time and a lower credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. 

My report dated XX/XX/XXXX reported 14 90 day lates. But then on my report dated XX/XX/XXXX the information changed to 31 90 day lates. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a 108 point  difference between XXXX and Equifax. At a minimum I am requesting that this company report to Equifax the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from Equifax allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screens of my XX/XX/XXXX and XX/XX/XXXX credit reports showing the difference in reporting which is causing the Equifax credit score to be retarded by 108 points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the Equifax score and the XXXX score ( Fico reason codes ) is that Equifax is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if XXXX XXXX is deliberately misreporting this item ( with recent delinquent activity ) on Equifax in order to damage my credit score. 

Several months ago I negotiated with XXXX XXXX and paid off the outstanding balance and as a part of the settlement agreement they agreed to remove the payment history which they did follow through with on my XXXX credit report however they did not on Equifax and you can see the result in my credit score disparity as explained above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I received a copy of my credit report at the end of XXXX that showed that XXXX shows that I was late on my student loan payment for the Month of XXXX, XXXX and XXXX. I spoke to rep who state I needed to upload supporting documentation to all three of the bureaus and they will review the info and make corrections where needed. XXXX  and XXXX within 2 business days everything had been reviewed and the delinquencies had been removed from my credit report. I waited 30 days with Transunion spoke with a Manager by the name of XXXX XXXX  on two different occasion who stated they received the documentation and the he would go away and make the needed the needed corrections. He did and 30 days later they were back on my credit report, I spoke to him again and he stated yes, I have all your documentation and we will go ahead and remove the information again. It has now been over 60 days and I'm still fighting with Transunion to remove the items as they not correct. I spoke with Manager XXXX at Transunion and he stated he would remove the items again, but I'm getting really frustrated with the fact that each month I have to call and ask them to remove the items as they aren't correct and it's causing me many problems as I am the process of purchasing home. I have worked too hard to keep my credit in good standings and to have inaccurate information reporting is costing me time and money during the home buying process.

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 2019-07-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2018-01-17
Company: EQUIFAX, 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:
On X/XX/2018, XXXX made an unauthorized hard credit pull on my Equifax credit report.

Contact information : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Phone ( XXXX ) XXXX.

I do not have an account with XXXX and I did not attempt to open one.

I filed a dispute with Equifax and notified XXXX directly and no one has corrected this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
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: Account status incorrect

Complaint:
My complaint is against Equifax and XXXX credit bureaus. They are both reporting 2 accounts that had fraud charges. The first account is from XXXX XXXX XXXX, account # XXXX open XX/XX/2013 and the second account is from XXXX XXXX XXXX, account # XXXX date openXX/XX/2013. I already tried disputing this directly with the banks but refuse to delete accounts. I have been a victim of fraud charges therefore this information has to be deleted as soon as possible. The FACRA requires you to block the fraudulent information from my credit reports resulting from FRADULENT CHARGES within 4 days and promptly notify the business that sent you that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/XXXX I called to cancel my services with XXXX XXXX XXXX. I received a confirmation email that my membership was to be cancelled and I will no longer get billed for the services in the amount of XXXX On XX/XX/XXXX I  noticed that I was charged again for services in the amount of XXXX. I called XXXX XXXX XXXX and the rep apologized and cancelled my membership again. I received another email with the membership cancellation. On XX/XX/XXXX I received a refund for XXXX. Since then I have still been getting alerts from XXXX. This morning I logged into the account and I see they have a payment scheduled to charge me again on XX/XX/XXXX in the amount of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: SUMMIT FUNDING, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with a representative at my mortgage company to try and get a loan modification, I was sent paperwork and was told to send it back via fax, email or USPS. I was also told when the paperwork was received there would be a halt on the foreclosure until everything was reviewed. I spoke to the representative on XX/XX/XXXX and went over everything to make sure the paperwork was correct. I faxed the packet they sent along with my bank statements and pay stubs on XX/XX/XXXX, I have the confirmation page showing all 29 pages went through successfully. The paperwork was faxed to the number provided in the packet I received from them, that same fax number is on all of my mortgage statements. I called back within 5 business days as instructed and was then told that was not the correct number to fax. I didn't understand how it could be an incorrect number because it was the one listed on the packet. She said it may have been an old packet, however it says it was just revised on XX/XX/2018. I was then told to send the paperwork again via overnight certified mail. I am already in a financial bond, I sent the paperwork to the number provided by Summit Funding and paid {$34.00} to do it the first time. I feel like I am getting the run around and if this process isn't started soon I may lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item 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 explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, INC.
State: SC
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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Not sure where to start. But recently we decided to rewrite our loan with a local bank ( XXXX XXXX ) because our PNC loan was sold to XXXX and then XXXX XXXX. 
After going over paper work with this reputable man at XXXX XXXX, we found out that back in XXXX, when we were forced into a foreclosure program ( PLEASE KNOW this wasnt our fault ). 
I ( XXXX XXXX XXXX ) had lost my job like many others. They were saying on the news to contact your mortgage company for some options, to keep or sell your home. 
PNC did a BAD thing ... .they have done this to SO MANY OTHERS ... they put us into foreclosure and we were NEVER behind a single payment. WE HAVE PROOF! 
I have records of EVERYTHING and yet going up against a big business like PNC feels hopeless. Please tell us we can get help! 
As we went to rewrite our current mortgage recently, we found out that PNC had rewritten our loan to a 40 year mortgage to help us out. This we understood. We did not want to leave our home, especially because we did n't HAVE to. But what we recently learned was ... .PNC had taken all our equity put into this home. {$25000.00}!!!!! We have lived in this home since XXXX and we have NOTHING to show for it thanks to PNC!!! 
We are sick!! We do not want this to happen to anyone else. THIS WAS A SCAM. 
As I researched online to see if there are any lawsuits against PNC, I came across SO MANY others that were put into the same scam!! How sad is that??? 
**Please PLEASE help us** ... .this was done unfairly. This was done to us while we were under attack and scared. This was done UNJUSTLY because we were never behind in any payments ... .all we did was ASK what our options were. 
I hope I have given enough information here and I welcome you to call me/us. 
Thank you very much for reading our complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX ran my credit with out my permission

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 2020-02-26
Company: Local Management, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020 " XXXX '' from Local Finance called my employer and told her to make sure to tell me that " because I was avoiding her ( XXXX ) phone calls she would make a point to be at my house tonight. " This was threatening and humiliating. 
I have called this company and i have gone to this company to make some kind of arrangement with them on paying my debt but they will not accept any smaller payments. They want a huge sum to even get me to move forward in the payment. I was going to bring them money on a set up time but they had called my place of employment and my cell phone 3 times before i could even get there. 
They call and leave messages at work saying where they are from and who they are and it is very embarrassing. I am doing the best that i can but at this point i can not make the huge payments they want me to make. I have been harassed and threatened and professionally humiliated. I would file a lawsuit for all of this but i do not even know where to start. Please help me. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Gold Star Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Gold Star Finance in XXXX Tx XXXX XXXX, They barras me constantly ay works at all hours of the dar they calle and harass all my coworkers and staff..They even come to my work in person to harass me and my home

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
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: Public record information inaccurate

Complaint:
To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XX/XX/XXXX XX/XX/XXXX and the economy got the best of us, but I paid our tax lien of $ XXXX -/+.

The tax lien debt was tendered in XX/XX/XXXX and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX  and XXXX County of California. The BOE also went after my son ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt publicly under my son. I have letters expressing the confusing and I even gave instruction to the BOE to following up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments.

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Capital One inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. 

My report dated XX/XX/XXXX reported 14 90 day lates. But then on my report dated XX/XX/XXXX the information changed to 31 90 day lates. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a 108 point difference between XXXX and XXXX. At a minimum I am requesting that this company report to XXXX the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from XXXX allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screens of my XXXX and XXXX credit reports showing the difference in reporting which is causing the XXXX credit score to be retarded by 108 points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the XXXX score and the XXXX score ( Fico reason codes ) is that XXXX is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if Capital One is deliberately misreporting this item ( with recent delinquent activity ) on XXXX in order to damage my credit score. 

Several months ago I negotiated with Capital One and paid off the outstanding balance and as a part of the settlement agreement they agreed to remove the payment history which they did follow through with on my XXXX credit report however they did not on XXXX  and you can see the result in my credit score disparity as explained above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: AA Recovery Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2019, my son, sister, brother-in-law, ex-husband and myself were all contacted by XXXX XXXX from AARS. Messages were left for all of us that he was contacting us regarding paperwork that had come across his desk and a lean was going to be put on property my sister owns. He gave the address and said to return his call to try to prevent this from happening. My sister has another message she kept, left by XXXX XXXX from the same company on XX/XX/XXXX, telling her he had my address and was coming to my home that day to deliver papers. If I wanted to keep him from doing that, I needed to call him back. 
I called back today and spoke with XXXX to clarify the issue, and he is trying to collect for a pay day loan, but insisted his company is a liaison between the attorney and he original debtor. He confirmed there has been no lawsuit filed, so I explained to him that he shouldn't be telling lies. He of course insisted it wasn't a lie. There have been other calls to my family, but we normally just ignore them.

Company response to consumer: Closed with explanation