BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
Company: Experian Information Solutions Inc.
State: FL
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:
This is a complaint against timeshare XXXX XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

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 2021-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The XXXX  and XXXX  Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I originally applied for a business credit card with Chase Bank on XX/XX/2018. I was informed the process could take up to 30 days. Early XX/XX/XXXX around the XX/XX/XXXX I called Chase Bank to get an update. They stated that it had been declined and they could not tell me why that I would have to wait to get the letter. The bank rep stated I should have already received the adverse action letter. I checked and did not receive it at my home or business dress. I called back in on XX/XX/2018 and asked why I had not received the letter and they stated they were not sure and tried to get me off the phone citing complications with their process. I spoke to a man named XXXX who stated that they declined it because they needed proof of my address but would be happy to reapply with me over the phone. I stated that until I got the letter I would not provide any more information and XXXX got upset with me. I asked to speak to a manager and he stated that I could not. I asked to speak to a supervisor and said no one was available and I felt as if he was being hostile. I am very upset that they have not followed the federal lending guidelines and supplied a reason in writing for my declination

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I sent in letters To Equifax, XXXX and XXXX on XX/XX/22 Disputing accounts and inquires that are not mine. It is now 30 days since I sent my dispute letters to these 3 companies and I believe legally they have 30 days to respond. As you can see from my letters which I will attach it is now 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was originally opened in XX/XX/XXXX with the loan valued at {$140000.00} which is also prior to the FHA changes to PMI. 

Loan was sold to LakeView Loan Servicing LLC at some point from the original company. Original contract stayed intact and should not have changed the being able to drop PMI after a minimum of 5 years and XXXX at 78 %. 

On XX/XX/XXXX I made an additional payment of {$1200.00} to bring my LTV under the 78 % threshold which is the threshold for auto removal of PMI. 

On XXXX I was charged {$110.00} for a PMI disbursement. 
On XXXX I was charged for a PMI disbursement for {$110.00} I had submitted a support ticket between XXXX & XX/XX/XXXX questioning about this On XX/XX/XXXX when they " cancelled '' my PMI they took an additional {$110.00} Called on XX/XX/XXXX to inquire about a refund due to this. Never received a response either written or electronically. 
Called on XX/XX/XXXX to inquire about the previous call and found out that there was no ticket escalated. The customer service rep then said she would escalate a ticket. 
Called on XX/XX/XXXX to inquire about the previous call and found out that the ticket was closed with no response written or electronically. Customer Service rep confirmed that this was dropped on XX/XX/XXXX but was adamant that they will not retroactively refund the above amounts. Waited to put this complaint in until I talked to the supervisor, but currently as of XXXX CST, I have been on hold for 130 minutes waiting to talk to someone. 

I have attached XXXX - XXXX statements from LakeView Loan Servicing LLC.

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 2018-12-04
Company: Rocket Mortgage, LLC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Consumer Financial Protection Bureau, The following situation occurred when I was trying to refinance my house in XXXX Co., TN. 
Below, In parenthesis is an email sent to me by XXXX XXXX, Quicken Loans Client Relations about a lien issued in Illinois and placed on my property in XXXX, TN. 
( 1 ) The lien should have never been issued and place on my property because Attorney XXXX XXXX never did any work for me. 
( 2 ) I was never notified about this lien in the XXXX Co., Illinois Court nor through the XXXX County, TN Court system in order for me to contest the lien. 
( 3 ) Also, in the document, ( Lien ) issued to XXXX County, Tennessee on XX/XX/XXXX there was never any reference to Statutory Interest being addressed and applied to this lien. 
( 4 ) The payoff of the lien should have been addressed through the XXXX County, Tennessee by Quicken Loans for the amount of {$15000.00}. However, I was told by Quicken Loans the lien had to be paid off prior to me refinancing my property. I was conned into sending Quicken Loans a check for {$21000.00}, which included {$5800.00} for statutory interest and the Lien paid off on XX/XX/XXXX. 
( 5 ) My rights to contest this lien were violated because neither Attorney XXXX nor the XXXX County, TN provided me any notification about a lien on my property. Also, there should never have been any Statutory Interest because the interest was not addressed/approved or listed in the lien. 
Attached is a copy of the lien issued by Illinois to my property in XXXX County, TN! 
The overpayment of {$5800.00} for statutory interest should be returned since the court never addressed Statutory Interest Regards, XXXX XXXX XX/XX/XXXX Hello XXXX, The payoff of your lien with XXXX XXXX XXXX & XXXX XXXX. {$15000.00} was the amount of the judgment issued, however, the amount that was sent included statutory interest which had accrued through XX/XX/XXXX. Interest was accruing on the judgment at a rate of {$3.00} per day, resulting in us needing to pay the additional {$5800.00} to reconcile this lien and remove it from your property. If you would like, I would be more than happy to send you a copy of the payoff statement that we were sent indicating these costs. Please let us know if we can be of further assistance. Have a great day XXXX XXXXQuicken, Loans Client Relations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: NV
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:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent accounts. Someone stole my identity and open up the fraudulent accounts in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. 

Please DELETE the following fraudulent accounts. 
XXXX XXXX XXXX XXXX/EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( EQUIFAX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Please DELETE the fraudulent inquires XXXX XX/XX/XXXX XXXX EQUIFAX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX, XXXX XXXX ( EQUIFAX ) XXXX XXXX XXXX ( EQUIFAX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Tribal Lending Enterprise, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have paid too much interest, i have made about {$2000.00}. for a XXXX loan.

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 2023-08-16
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: CA
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:
in accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-05-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
showing XXXX XXXX never been inaccurate information FCRA violaton must be removed How can Equifax tell us we can not get helped by a 3rd party  with theyre licease and experienced?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CITIBANK, N.A.
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my 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 2022-10-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX FST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-07-26
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a HARP refinance program with Loan Depot on XX/XX/2018. The company is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The loan officer XXXX XXXX XXXX # XXXX, phone # ( XXXX ) XXXX, told me I have to pay for an appraisal fee {$500.00} to get approved. I asked him what if I don't accept their offer, but he said not to worry, they will make it the best offer, they will make it to my liking, they can even give me a cash out. After the appraisal, what they offered me was not what I expected. The refinance fee was almost {$10000.00}. I couldn't agree with their offer, so I told them to cancel my request and give me back the {$500.00} they charged me for appraisal, but he refused. I also spoke to his manager XXXX XXXX, he also said it is not refundable. 
I should get the money back since the HARP program does not require appraisal fee, and XXXX charged me wrongfully. Also since you can't get a cash out with the program, he misinformed me also. I need help to get my hard earned money back. 
Thank you very much for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed an FTC report because I found inaccurate and unauthorized accounts and inquiries on my report, and nobody has yet to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX is reporting an account to all XXXX credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the XXXX credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting XXXX different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 2 year payment history ) this account is re aged.they are reporting XXXX different high credit amounts {$7000.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the XXXX that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting

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 2023-06-08
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My CashApp account has been suspended. They said my account was cancelled because I violated terms and conductions and was suspected of illegal activities. I run a legit business. They had no reason to shut my account down. When I spoke with their customer service they told me it has been escalated and I would hear back from a supervisor but never do. I have called multiple times and can never get a resolution. I need help getting my account reinstated. I am completely legal and only use it for legit transactions. They had no problem with taking XXXX XXXX of every incoming payment but all of a sudden cancelled my account. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an account through Best Buy with citi bank. I opened the account XX/XX/2016, the account was suddenly closed in XX/XX/2016. I did not know why. I couldnt use the card, I couldnt access my online account and I was denied information over the phone. After a few months, around a year I was able to speak with someone who allowed me to settle the debt over the phone once it hit my credit. I am in the middle of trying to purchase a home but this account is hurting me. They told me this account was reporting late payments just a few months ago. This account was CLOSED in  XX/XX/XXXX, even if the balance hasnt been paid off how are payments late on a closed account? After hours of speaking to customer service yesterday I was told that the owner of the account was deceased. I am not deceased. They told me they closed my account under error and that the account details say Im deceased. They said they would re open the account but I need the late payments removed now so that I can buy a home. 

After all of this, I cant even get a credit card statement from customer service because I am listed as dead. So I can give no proof to my lender. All customer service ended up giving me was an address to mail my situation to. I need this resolved now! Not in 30 - 90 days!!

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