BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Currently I have 2 charge-offs being reported inaccurately, The original charge off date was XX/XX/XXXX, after multiple attends this matter is stopping me from closing on my home. As both items are older than seven years, I filed a dispute with Experian and all of the other national credit bureaus to have it removed from my credit reports. 

I received the following response to my dispute however, the information has not been removed. 


Report Number : XXXX Date Generated : XXXX XXXX, XXXX, XXXX   XXXX XXXX Account XXXX, XX/XX/XXXX On Record Until XXXX  XXXX XXXX Account XXXX XX/XX/XXXX On Record Until

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: California Business Bureau, 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:
California Business Bureau Inc. 
XXXX  XXXX XXXX XXXX, CA XXXX sent a letter dated XX/XX/2020 demanding payment for medical bills which were already paid and adjusted. We wrote then on XX/XX/2020 advising them of these facts in detail and and disputed the charges. We asked them to cease collection their activities and to obey Federal and California laws in this matter. Nevertheless, they went ahead and filed a negative credit report which has caused substantial financial damages. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
I am uploading a letter from the bank stating that the 4 personal loans I had with them will be reporting back on my credit reports. These loans were paid and satisfied and in good standing. They were removed off my credit reports which dropped my score significantly and was denied credit from another lender. Experian and XXXX  said they would notify me when the 4 accounts would be put back on my reports. I still have not been notified and there still not 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 explanation
Consumer complaint received 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 an error. It does not belong to me. XXXX XXXX XXXX Closed : XXXX XXXX, 2017 I promise it does not belong to me.

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 2020-07-27
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have had my business accounts closed from Bank of the West for quite some time now and imagine my surprise when I recieve a letter in the mail and several emails regarding an online platform migration as well as the new service charges that I would be assessed. I am afraid that my account information was not properly closed or that it was opened without my consent - this feels eerily similar to what happened at XXXX XXXX a couple of years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had mailed them with my request. The packet that I uploaded here is exactly what I sent them. They are requesting duplicate information.

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 2020-07-27
Company: EQUIFAX, INC.
State: TN
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:
My identity was lost and/ or stolen awhile ago but I did not forsee these damages being done inwhich has compromised my credit file. All the accounts in question are unknown and unauthorized. I'm now demanding that these accounts be removed and blocked from my credit file., as following .... 

1 ) XXXX  2 ) Missouri Div XXXX XXXX {$28000.00} 3 ) Missouri Div XXXX XXXX {$43000.00} 4 ) TN Dept of Human Svxs cs 5 ) US Dept of Education {$2000.00} 6 ) US Dept of Education {$3600.00} 7 ) Dept of ED/XXXX {$3000.00} 8 ) Dept of ED/ XXXX  {$1700.00} 9 ) XXXX  {$2000.00} 10 ) XXXX XXXX XXXX XXXX {$670.00} 11 ) XXXX XXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had a {$6800.00} limit on my Citibank card. It is under my Fsthers name, but I am an authorized user and use the card and make all the payments. 
I am a small business owner trying to make it through this pandemic. I am trying to find new ways to sell new products and there are some things I needed to use my credit card for as opposed to cash or check. Or at least it would have been more expedient. So, without having much cash on hand these days, I chose to pay down my citi card {$6000.00} in order to free up room to use it. 
The {$6000.00} payment was processed on XX/XX/XXXX, and then on XX/XX/XXXX Citi decreased my credit limit by {$6000.00} ... this has put me and my business in serious jeopardy. I dont have {$6000.00} to be pretty much wasted like that in a time like this. I would have just made the minimum payment if I knew this was going to happen. 
I have made all my payments on time and there are no issues with the credit bureaus as they claimed. There doesnt seem to be any valid reason for this move that they made other than to limit their exposure to other customers who arent paying their bill. 
They have me 10 different excuses why this happened, none of which made any sense. It seems awfully coincidental to me that I make a {$6000.00} payment, then 2 days later I get a email claiming some sudden issue with the credit bureau and they instantly lower my limit by that exact same amount of {$6000.00}??? 
We called the credit bureau as well, no issues. They said they didnt see why this would happen, there is nothing on their end that would explain this. 
This {$6000.00} is A TON of money for me and my business in these times. The consequences of them doing this to me could be catastrophic. I chose to make this kind of payment in good faith, and never thought I would be taken advantage of on this way, especially during these difficult times.

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 2022-02-16
Company: EQUIFAX, INC.
State: GA
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:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$4000.00} XXXX XXXX XXXX : XXXX -- -> : {$18000.00} XXXXXXXX XXXX : XXXX -- XXXX : {$9900.00} XXXX XXXX : XXXX -- XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan with quicken loans ( rocket mortgage ) on XX/XX/2020. 

I was told that they closed in an average of 42 Days. This was acceptable as i had a construction loan that had to be paid in approximately 60 days. 

After having everything clearing initial underwriting there was delay after delay for an appraisal. Finally had the house appraised and i was informed that i had to install hand rails on the front steps before i could close. I had already ordered custom steel railings to be fabricated but they will not be finished until XXXX. I purchased and had temp railings installed at a cost of {$750.00} so i could get closed. After doing this, I called to have the final inspection done so i could close on my loan. An hour later i received a call from a quicken loan employee informing me that " because i volunteered with the organization that i am now paid to work for ( a faith based 501 ( c ) ( 3 ) ), my income didn't qualify and i would need a co signer. This was over 90 Days from the beginning of the process. 

I repeatedly asked for them to send me the regulation stating this policy that excluded my income or type of income. They have really just given me the run around. They have acknowledged that the mistake was on their end ( didn't call it a mistake, but rather an opportunity for improvement on their end ). They said it is their policy but cant share that proprietary information with anyone. 

I feel as though i am being discriminated against. I have incurred thousands of dollars in fee 's and penalties due to quicken loans incompetence. They should not be allowed to string someone along for more than three months and then ... oops sorry, your job doesn't work for us, " your type of income '' " this type of income is considered contract work ''. They already received my check stubs and verification from my employer. This had the green checkmark on my dashboard for months.

I have hundreds of emails and text messages from numerous quicken loan employees. Not sure the best way to share them.

I believe i deserve a real explanation from quicken loans! I believe that I am owed damages from quicken loans. I have had many loans including a dozen mortgages in my life ; i have never experienced anything like this. 

XXXX XXXX XXXX -I have great credit -I was borrowing {$240000.00} on a house that appraised for {$570000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: ARVEST BANK GROUP, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced an existing mortgage that was sold to XXXX XXXX. XXXX XXXX then placed this loan with the servicer, Arvest Central Mortgage. Arvest charges {$5.00} for each payment  voluntarily made electronically online and {$10.00} over the phone by the customer in order to push customers to sign up for automatic debits from their checking account. This is quite high and unusual in my experience and different from what I had previously seen from other mortgage servicers ( XXXX XXXX, XXXX XXXX ). I don't understand why I should have to pay for such costs when I have no control over who my loan has been sold to and who services the loan. These were not disclosed to me at the time my loan was sold to XXXX XXXX. 

In any event, I signed up for automatic debit from my checking account. The first payment was due XX/XX/2020. I repeatedly checked for the payment throughout the day. It did not show any status update in their system. This morning, I checked my checking account and found that Arvest had debited my account twice - that is, they made the first two mortgage payments ( the second of which is not due for another month ). I received no notice of this nor authorized this second payment. 

I have contacted the company. However, in my many years of having dealt with other mortgage servicers, I have never seen a financial institution fail to have a system in place that could let you know the status of the loan, the status of the current payment and notice of what they intended to pay. Given I have no control over the automatic debits, I am now at their mercy to get this right. While I was able to cover the additional cost this time, I consider this abusive. Moreover, I imagine this could lead to significant overdraws or non-payment and fees from anyone that does not carry a significant cash balance in their checking account. From the comments I've read online on Arvest, this seems to be a consistent problem and hope that the CFPB will look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citibank will not print, display on line, or email a statement if there are no charges made on the card for the statement period. This is true even if there are payments made on the account during that statement period. 

This results in the inability to balance the account. The card holder must call the customer service, escalate the call to a manager, and then request a letter regarding the payment. But they will still not send a statement. This must be done every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: VA
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 Spoke to this company twice last month just to have them disrespect FCRA, CFPB and Metro 2 reporting Standard altogether this company does not even have my current correct last name on file ( Inaccuracy ) however they want to act as if this alleged paid collection is reporting accurately XXXX XXXX has been told to remove this debt multiple times but it does not budge it is very inaccurate and the fact that when i paid the alleged collection account under Threat duress and coercion it ( was on my credit report bringing my score down ruining my quality of life. ) They told me that they would remove it from my credit report upon payment but obviously didn't. It reports paid but the payment status says collection or charge off I disputed this account as recent as last month requesting the Date of first major delinquency no response and look at the Status date on experian and XXXX INCONSISTENT 2018 showing proof XXXX XXXX did not notify BOTH the Credit Bureaus of my disputes or the Credit bureaus did not look into investigating my disputes. IT has 3 dates of last activity on each bureau showing proof of reageing the erroneous account WHERE IS THE CONSISTENCY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions 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:
MY WALLET WAS STOLEN AND MY IDENTITY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am assisting my mother with monitoring payment for her FHA mortgage for property address located at XXXX XXXX XXXX # XXXX, XXXX CT XXXX. There are two specific issues that I would like to be addressed by the company, Mr. Cooper. I have sent a letter to them regarding the first and have tried to call to discuss the second. 

1. Removal of FHA Payment The initial sale price on the property is {$170000.00}. Per the Informed Consumer Choice Disclosure once the loan to value is at 78 % the FHA payment should fall off the loan. This has not happened to date. The argument they will puffer amounts to there being late payment on the account. However, by review of the loan, there appear to be a preponderance of errors not only attributable to my mother but also to the manner in which the loan has been serviced. I believe that she has been taken advantage of as an elder person as well as her lack of knowledge about loan servicing. The matter came to my attention and admittedly I was very upset and did not address the concerns in a calm way. It is hard to see my mom on the verge of loosing her home when the issue is based on poor loan servicing. Mr. Cooper mishandled escrows among other issues while constantly making my mom believe that her loan is on the verge or foreclosure. She consistently tried to catch up with very little relief. The loan was not handled in her best interest and it appear the servicer was only concerned with assessing more fees rather than righting the errors. 

2. Late Fee Charges The monthly payment is {$960.00} ( principal and interest ) with a 4 % charge for late fee. At present, Mr. Cooper charges late fee on ( principal interest taxes and insurance ) for a total of {$61.00}. As a consumer the borrower has the option to pay the escrow independent of the loan servicer. Late fee should not be charged on taxes and insurance. I have tried to discuss with Mr. Cooper but have had no feedback. 

Please assist in getting these matter resolve so the loan can be serviced correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score fcra violations all above

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: EQUIFAX, INC.
State: GA
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:
Equifax did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
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: Information belongs to someone else

Complaint:
This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

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 explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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