BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: EQUIFAX, 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 am contacting you because Equifax, XXXX, and XXXX have violated my consumer rights for a fair and timely investigation into items being reported on my consumer credit report. I submitted a dispute letter to XXXX, XXXX, and Equifax regarding fraudulent information on my credit report. It has been almost150 days, I have not received any information about this investigation, and these fraudulent items remain on my report. It seems as if these companies deliberately have discarded my letters. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
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 am contacting you because XXXX, Transunion, and XXXX have violated my consumer rights for a fair and timely investigation into items being reported on my consumer credit report. I submitted a dispute letter to XXXX, Transunion, and XXXX regarding fraudulent information on my credit report. It has been almost150 days, I have not received any information about this investigation, and these fraudulent items remain on my report. It seems as if these companies deliberately have discarded my letters. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.

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 2018-03-26
Company: Experian Information Solutions 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:
On XX/XX/XXXX, a hard inquiry showed up on my Experian and XXXX  credit reports for a line of credit I did not open at XXXX XXXX XXXX. I then ran my credit reports for all three agencies, only to discover 2 of the 3 showed what looked like someone's profile on my report. I discovered incorrect variations of my name, incorrect home addresses and places of employment, and about 16 accounts that did not belong to me. Naturally I freaked out. The odd thing was a lot of the incorrect accounts were from 2-8 years ago and these had never ever shown up on my credit reports before XX/XX/XXXX. I check my reports often so I would have seen these. 

So the first thing I addresses was the recent inquiry. On XX/XX/XXXX at XXXX PST I called the XXXX XXXX XXXX that made the hard inquiry on my credit report and they were unable to pull up an account with my name and social security number. None of the info I gave them pulled up an account ... which further made me believe there was a problem with the credit bureaus and not a case of identity thief. 

So, on XX/XX/XXXX at XXXX PST, I called Experian and they looked into my credit report and the customer service rep noticed that my profile was actually merged with another person with a very similar spelled name ( mine is XXXX and the incorrect one was XXXX ) and social security as mine. They started the process of un-merging my account with this other person. Somehow bc another person has a similar spelled name and social, our records were being merged in their system. Thankfully the customer service rep took the time to go line item by line item to separate the records. Sadly I now have to do this same thing with XXXX because these same errors were on that credit report too. I didn't see anything incorrect on XXXX  yet but I'll keep monitoring it.

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 2021-09-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My insurance company sent a yearly invoice for payment to my mortgage company " Lakeview Loan Servicing '' /XXXX ''. The policy number is XXXX with an expiration date of XX/XX/22. Lakeview still has not paid the invoice, and are indicating that my information is " outdated ''. They have had the same insurance information for years, and my homeowners insurance company has not changed. Why havent they paid this invoice, and why are they pretending like its up to me to update it every year? It is automatic, my insurance company bills Lakeview Loan Servicing. My Lakeview account 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 explanation
Consumer complaint received 2021-04-02
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I bought a home to be built. The builder built it wrong making it unlivable. XXXX XXXX XXXX. I didnt live there. Homeless did. Finally, I lawsuit the builder and won last month. 
So the builder put the house together. I decided after the bad experience I would sale the house. So I sale it and get into escrow and find out that XXXX and XXXX put a lien on my house without notifying mail. I couldnt even receive US mail at that address for years. They fraudulently didnt contact me. I sent them a copy of everything Im telling you. The XXXX XXXX report and the XXXX report. Deadly mold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan Depot collected our escrow payments and then did not pay our county property taxes. When I contacted the company about the tax notice I received they said they would look into it and then call me back. I did not hear back from them and they sold our loan to another company at the end of the year. I later learned that they mailed us a check for the surplus in our escrow ( from not paying our taxes ), and when I found the unopened check it had already expired. I called Loan Depot to request a stop payment and reissue our check ( $ XXXX ) and they submitted the request task on XX/XX/2020. I was told that it would take 7 days for the request to be completed by the research department, and then 14 days for the check to be issued. I called on XX/XX/2020 to follow up on the status and was told that they could see the request was made and that it will take 14 business days to see a check in the mail. I called again on XX/XX/2020 to follow up and the person I spoke with said there was no original request made and that they are submitting it now ; then proceeded to tell me the exact same timeline information that I was already told at the beginning of the month. 

Loan Depot took my money and then failed to handle the tasks they were responsible for. At this point they are still holding my money and not returning it. I am not sure what else to do as I do not trust that they will follow through on the information they are providing me ( again ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank appears to be in violation of the PMI Cancellation Act. An extra principal payment was made on XX/XX/2021 on a mortgage serviced by US Bank to reduce LTV under 78 % on a mortgage originated in XX/XX/2021. I spoke with a representative at US Bank 's PMI department on XX/XX/2021 who reviewed my account and indicated that PMI would be removed from future payments and that no further action would be required, and that a BPO  was not required. This change was not reflected in the payment due XX/XX/2021 as promised. On XX/XX/2021 I spoke with a US Bank customer service representative who indicated that the original request for PMI to be removed was denied on XX/XX/2021. I was not informed of this decision and received no explanation - after being explicitly told that PMI had been removed in the previous phone call. On XX/XX/2021 I spoke with a customer service representative who initially claimed that the request was denied because I was required to pay for a Broker Price Opinion ( BPO ) before PMI could be removed, in direct contradiction to the promise made on XX/XX/2021 - on a loan with LTV less than 78 % that originated less than 5 months before the request was made to remove PMI on XX/XX/2021... but then said, again, after reviewing my account, that any requirement for a BPO was waived and not required to have PMI removed and that no further action was needed on my part, and that PMI would be removed immediately. US Bank failed to follow through and remove PMI upon my original request on XX/XX/2021 after asserting that a BPO was not required, which I believe is a violation of the PMI Cancellation Act. In another call, a representative ( whose employee ID is available on request ) then indicated on XX/XX/2021 that PMI would be removed without the requirement for a BPO, and that the removal of PMI would be reflected in the next statement. I am documenting this failure to remove PMI when all legal requirements were met, and to verify that US Bank twice indicated that a BPO was not necessary after reviewing my account, and seeking confirmation that the failure to remove PMI after receiving verbal notification that it would be removed constitutes a violation of the PMI Cancellation Act.

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 2023-03-07
Company: CarMax, 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:
In accordance with the fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XX/XX/XXXX I retired from the Military and prior to retiring I set up automatic payments from my checking account because I didn't want to forget after being diagnosed XXXX and XXXX from the Military. From XX/XX/XXXX to XX/XX/XXXX there were no payments to Capital One and no one contacted me. I called Capital One in XX/XX/XXXX for a credit line increase, only to discover that they had not received a payment the last 4 months. I quickly made payments to get the account caught up and it has been up to date since. 

I have been with Capital One for about 10 years and have never been late. I contacted Capital One 5 times with goodwill letters and was told they would consider it due to XXXX and XXXX only to be denied. This is really messing up my score due to us trying to purchase a home. If I missed to miss it would be different but I really thought I set up automatic payments. 


I am trying to get the late payments reversed die to the XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for an {$830.00} credit for purchase of a gaming console, and I was immediately declined. I have outstanding credit so this didn't make any sense to me. They did run my credit, and I received an inquiry, but they said it was declined because " APPLICANT 'S IDENTITY CAN NOT BE VERIFIED '', yet after checking with XXXX, which they used, I confirmed that the same info on the application is what was reported on my XXXX credit report. I immediately called Citizens One Bank, and they suggested I try again. It came back exactly the same. I had the rep file an appeal, and when I called back a few days later, there was still no response. I call back again a few days after that, and they again said they would appeal it. Today I called once again, and now they said they couldn't approve it because they could not verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent a money transfer to one of my XXXX  in XXXX, XXXX. 
The transaction was made on XX/XX/2020. 
Due to the Pandemic and the laws in that Country, the person to whom the transaction was made to, XXXX XXXX XXXX XXXX, he was not able to leave the premises where he lives due to the Pandemic and the Corona Virus 19. 
He was allowed to leave after the laws were less restricted and he went to pick up the money sent on XX/XX/XXXX but was told by the company there that something was wrong with the transaction. He then called me to ask me why and what was going on. I called the company here : XOOM, ( a XXXX   company ) and I was told that the money transfer was cancelled due to the fact that the person did not show up early enough to pick up the money. I requested from XOOM to resend the money transfer again but they refused to do so, reasons? I do not know. I have letter that show evidence of my claims to XOOM but they declined to help and shut me up telling me that nothing they could do. All I was asking was to RESEND the transfer the same way it was when first sent on XX/XX/XXXX, but they refused. I told them that I shall file a legal complain but they never answered me back. What do you suggest I would do? This Company feels they are " almighty '' and refuse to resend it. 
Thanks for your kind attention to my request. 
Sincerely, XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On around XX/XX/XXXX through XXXX I received correspondence from Well Fargo on my legit Federal file complaints of Discrimination and Retaliation, Identity Theft and Violations of my ADA Disability Act under Department of Justice. 

So Wells Fargo XXXX XXXX XXXX Lending Executive Case Specialist states that there is no wrong doings or violations of Federal and State Laws on the issues of Wells Fargo keeping my former checking account open so a Wells Fargo XXXX Customer can use my identity and information to obtain a Home Mortgage. 

Why Wells Fargo allow this issues to occur with my private information and identity and keeping a old checking account open until XXXX? 
Wells Fargo conducted a research and stated that a former checking account was open on XXXX XXXX, and account closing on XXXX XXXX and why Wells Fargo kepted this account open when I requested to be close back around XXXX 's.? 

Wells Fargo states they made a error and respectfully and I say this is a major error in using my identity and private information and doing a fraud, Scandal and Corruptions.. 

Why Wells Fargo is not providing me and Federal Government any evidence of Checking account ending # XXXX with Wells Fargo Visa Debit Card purchases, Bank Statements and Opening a account application with my Official Hand Written Signatures when this checking account and Home Mortgage was open around the XXXX XXXX? 
Who was my employer in the XXXX and it should have been noted on the application when checking account was opened at Wells Fargo and what Wells Fargo Brancg account was open in California? 
On XXXX XXXX Wells Fargo stated that a email was sent to me and what was my email address and why the email was sent to me? 
FBI can archive my emails for evidence. 

Also, Why does Wells Fargo wants me to cash or deposit a {$26.00} Wells Fargo check immediately on a checking account # XXXX and Home, Mortgage that is in Fraud, Scandal, Corruptions and Violations of Federal and State Laws? 

I am not going to cash no check of $ XXXX.I am holding this check as evidence as I am respectfully requesting a FBI investigation and I have made contact with Leaderships in the White House in Washington, D.C .

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 2017-12-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Late payment for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: Experian Information Solutions 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:
XXXX XXXX XXXX I have an account with XXXX XXXX for 6 years and 7 months and I had two late payments one in XX/XX/XXXX and one in XX/XX/XXXX due to not received mail.I talked to XXXX customer service and they agreed to erase those late payments from my account and they also said they will report them to 3 Beauros.

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 2018-10-10
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/1018 I filed a dispute through Customer Service at XXXX XXXX for account ending XXXX. The dispute is concerning the {$810.00} promo finance charge added to my account on XX/XX/XXXX. In that dispute, I felt like the payment structure was not set up correctly so that I would have made the final payment on the promotion within the 12 month period allowed. I made the minimum payment that you set forth and assumed the last payment would be a different amount and waited for that statement to reflect that.However, when I received that statement the finance charge had already been assessed. I asked in the dispute that the finance charge be removed. 

When I got home that evening and pulled all of my statements out, I also noticed that in XX/XX/2018, they reduced the amount of my minimum payment from {$440.00} to {$410.00}. Once again assuming they were adjusting my payment to still remain in the 12 month promotion. In effect, what really happened was that the difference between the two amounts was {$30.00} a month and it was reduced for 9 months. That equals {$270.00}. My final payoff was {$240.00} so by reducing my payment those months, it caused me to go past the promotional date and incur the {$810.00} in charges. I feel that it is completely unfair and deceptive for them to reduce my payment to set me up for failure in the end and charge me interest. 

On XX/XX/2018 I received a letter from XXXX telling me that I could provide additional documentation. I replied on XX/XX/XXXX with a letter as well as my statement showing when they reduced my payment and the calculations that make it appear they purposely reduced my payment so the final payment would fall outside of the 12 month period. On XX/XX/XXXX I received a letter from XXXX XXXX stating the finance charge would remain. The letter was dated XX/XX/XXXX-only two days after the first letter asking for additional information. I feel as if that was deceptive also. Why would you say that I could provide additional information when you had already reached a decision? 

In summary, I asked that the finance charge to be removed. I feel the practice of reducing my payment to guarantee that customers will go past the 12 month due date is unfair to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am a business owner and during COVID our business has declined by more than 57 %. Chase bank is not willing to work with me in lowering the payments that I can not make. Because of this, my credit score had dropped to XXXX and I am struggling to survive. The is a XXXX-dollar company and the credit card balance is around {$7800.00} which is nothing to them.

Company response to consumer: Closed with non-monetary relief