BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-22
Company: Experian Information Solutions Inc.
State: IL
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:
These inquiries do not belong to me, I've never applied for any of these accounts.

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 2020-02-02
Company: LEXISNEXIS
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: JPMORGAN CHASE & CO.
State: SC
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:
Last week I received a letter from Chase that they will be closing my Credit Card on XXXX XXXX XXXX because " we are no longer offering personal and business credit card accounts to current or former non-US officials, their immediate families or close associates ''. 
This is a new credit card that I have used for less than 2 months and that I want to keep open. 
I consider this as a violation of the Federal Equal Credit Opportunity Act. 
I made them a call to the number they provided for additional questions but they were not able to provide information at that number. They referred me to a bureau to which I am sending a letter to request keeping my credit card open. I am providing both letters From-Chase and To-Chase as attachments to this complaint. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was previously with XXXX XXXX XXXX and they accepted biweekly payments. I made a payment in the amount of {$900.00} on XX/XX/XXXX for the first half of XXXX payment. My loan was then transferred to loancare on XX/XX/XXXX. During this process my payment of {$900.00} was applied to principal instead of the payment ( wouldnt be a big deal if I had {$900.00} extra dollars ). I paid the remaining {$880.00} for XXXX, paid {$1700.00} in XXXX and {$1700.00} in XXXX. I have called or emailed Loan care over 15 times in the last two months and spent hours to try to resolve this and have the payment corrected- XX/XX/XXXX, XX/XX/XXXX, also sent email correspondence, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX called and emailed, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & sent email correspondence and mail on XX/XX/XXXX. I have spoken to several managers whom dont call back or do what they say and staff that are incompetent and also dont do what they say. I have done three way calling with both companies and they are now charging me late fees.

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 2019-09-22
Company: EQUIFAX, INC.
State: IL
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:
These inquiries do not belong to me, I've never applied for any of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
These inquiries do not belong to me, I've never applied for any of these accounts.

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 2020-02-02
Company: MidAmerica Mortgage Inc
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
A house I purchased on XX/XX/XXXX used a downpayment assistance grant subsidized by the Florida Housing Corporation. The Promissory note states that the Grant, amounting to {$15000.00} is to be forgiven in increments of 20 % on the anniversary of the signing so that on the 5th anniversary the debt is 100 % forgiven. Until the grant is forgiven, it stands as a second lien on the title. If the property is sold or the 1rst loan is abolished for any reason before this 5 year period, the remaining balance must be paid in full upon the 1st liens abolishment. On XX/XX/XXXX, I requested for a refinance of the property along with a payoff statement from the loan handler Mid America Mortgage. They claimed that the second mortgage did not exist. I then proceeded to call the Florida housing corporation ( FHC. ) to see if they still held the debt. It turns out that the loan was originated by XXXX XXXX, but FHC. never assigned the lien to a collector. Upon the realization that they forgot, on XX/XX/XXXX of XXXX an " Assignment of deed of trust '' was issued by FHC to XXXX XXXX. The following day, XX/XX/XXXX XXXX XXXX reassigned the trust to Mid America Mortgage ( MaM. Finally, on XX/XX/XXXX, MaM recognized they owned the trust of the second lien, however they refused to release a payoff statement stating they did not have the proper paperwork and that it was in their special loans department. I called again on XX/XX/XXXX at XXXX XXXX  EST where a customer service representative guaranteed the issue had been resolved and that the payoff would be released that day of the following. No Pay off was released in the next 36 hours so on XX/XX/XXXX at XXXX I called again. I requested a supervisor who once again told me that they didn't have the proper paperwork on the trust and couldn't release the payoff. Now I've paid for an appraisal that's expired because these guys cant process their loans correctly. There is no foreseeable end in sight, they keep denying that the paperwork even though they acknowledge public record shows the lien is in their trust. 

What am I to do and do they owe me a new appraisal for going past the 30-day limit? I can I get out from under this house?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX XXXX Account Number : XXXX 1. XXXX XXXX Account Number : XXXX 3. XXXX/XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: First Loan Choice
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Company keeps taking money out my bank account then started to send me emails I ask them to stop tried to called them and now their phone is disconnected

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 2018-03-17
Company: Client Services, Inc.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has ignored my request for validation which was sent in XX/XX/2018. instead they are harassing me with settlement letters. They want me to settle a XXXX debt for {$170.00} yet, will not validate this debt as I requested and my right under law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Experian Information Solutions Inc.
State: AR
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:
In the year of XX/XX/XXXX, I had a problem with XXXX when someone opens a fraudulent account with XXXX which I disputed in that year. Two years later I received an email stating to apply for XXXX XXXX through XXXX XXXX, which was later granted. After having the account almost two years XXXX requested that I send my drivers license and SSN number and uploaded it up on their site through their resolution center which I did, which two emails came in the year of XXXX XXXX XXXX, and XX/XX/XXXX, which I still have both emails. After uploading both DL and SSN XXXX change my taxpayer identification number on XX/XX/XXXX. After constantly battling my identity theft and fraud since XXXX with the Federal Trade Commission reference number XXXX and other related matters with my identity since XXXX constantly fighting for my identity as well as my daughters ' identity, which was changed in the year of XXXX when I worked for XXXX XXXX XXXX. The issue is now is that XXXX has put the account on my credit report after changing my Taxpayer Identification number in the year of XXXX, which XXXX requested the information when I applied they should have already had my SSN number, my other creditors have not to ask to do such a thing as updating my information with my DL and SSN.19 years is a long time to fighting for my identity with the same old issues over and over.I have filed a claim with XXXX  Data Breach . All three have placed this on my credit report after changing my taxpayer identification number on XX/XX/XXXX, XXXX want all to remove this merchant from my credit report because I have the letter where XXXX XXXX denied the opening account in my name in XXXX of XXXX, which I have credit monitoring services XXXX and other credit monitoring services. Which now XXXX stated that I have applied in XXXX of XXXX, which I have not applied and there are no inquiry on any of my credit reports for an application with XXXX in the month of XXXX along with a fraudulent address, which I disputed that address but it stills appears to be on my credit, report which I want it removed.

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 2020-05-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our title company got a mortgage payoff amount and wired it to Pennymac on XX/XX/2020. Pennymac held the funds for 5 days before reporting the payoff amount was wrong. I only found out when I logged into Pennymac 6 days after the closing ( a Saturday ) and noticed that the loan was not paid off. Pennymac refused to pay off the loan until we paid another {$320.00} in interest. When I contacted Pennymac for a resolution, they claim they notified us in three days, not 5. The fifth day was a Friday, which is very convenient for Pennymac to collect additional interest from us. I have an e-mail from the company we re-financed with that shows Pennymac waited 5 days to notify us. I don't think it should matter how many days, because the fact of the matter is that Pennymac was holding all but {$2000.00} of our payoff amount. They had {$170000.00} when our payoff was {$180000.00}. In essence, Pennymac charged us {$320.00} for {$2000.00} that was outstanding for 7 days, which is usury. It was also their fault that the payoff did not come for another 7 days because they did not notify us. Pennymac claims they mailed us a new payoff, but we did not receive any such thing. We agreed to settle the matter for {$170.00} and Pennymac sent us a refusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In the year of XX/XX/XXXX, I had a problem with XXXX when someone opens a fraudulent account with XXXX which I disputed in that year. Two years later I received an email stating to apply for XXXX XXXX through XXXX XXXX, which was later granted. After having the account almost two years XXXX requested that I send my drivers license and SSN number and uploaded it up on their site through their resolution center which I did, which two emails came in the year of XXXX XXXX XXXX, and XX/XX/XXXX, which I still have both emails. After uploading both DL and SSN XXXX change my taxpayer identification number on XX/XX/XXXX. After constantly battling my identity theft and fraud since XXXX with the Federal Trade Commission reference number XXXX and other related matters with my identity since XXXX constantly fighting for my identity as well as my daughters ' identity, which was changed in the year of XXXX when I worked for XXXX XXXX XXXX. The issue is now is that XXXX has put the account on my credit report after changing my Taxpayer Identification number in the year of XXXX, which XXXX requested the information when I applied they should have already had my SSN number, my other creditors have not to ask to do such a thing as updating my information with my DL and SSN.19 years is a long time to fighting for my identity with the same old issues over and over.I have filed a claim with XXXX Data Breach . All three have placed this on my credit report after changing my taxpayer identification number on XX/XX/XXXX, XXXXI want all to remove this merchant from my credit report because I have the letter where XXXX XXXX denied the opening account in my name in XXXX of XXXX, which I have credit monitoring services XXXX and other credit monitoring services. Which now XXXX stated that I have applied in XXXX of XXXX, which I have not applied and there are no inquiry on any of my credit reports for an application with XXXX in the month of XXXX along with a fraudulent address, which I disputed that address but it stills appears to be on my credit, report which I want it removed.

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 2019-09-22
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-09-22
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: Information belongs to someone else

Complaint:
I have accounts on my reports that are not mine.

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 2020-02-02
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new Virtual Wallet with Performance Select Checking account on XX/XX/2019 and met the requirement within the first 60 days. However, it's over 90 days after all conditions have been met, but I still haven't received the {$500.00} promotion bonus as advertised yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
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:
I have followed all the steps that Equifax has asked me to follow Ive went through with all the procedures customer service has failed to help me every single time I would love to get this all taken care of I have sent out in all reports somewhat not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my balance within my grace period and still received an interest charge of {$66.00} on my XX/XX/XXXX statement. I called customer service and tried to explain, however, the agent was rude and raised voice without understanding my situation. She indicated if I did not pay {$290.00} by my closing date, I will continue to accumulate interest, despite my balance at close being {$210.00} and which I already paid to make my account a XXXX balance. 

I am requesting a refund of the {$66.00} charged as I paid the account off within my grace period and the calculation of interest on my account is inaccurate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent letters to Equifax, XXXX, and XXXX about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have mortgage with US Bank. It is a 15 year mortgage taken out in XXXX. There have been no late payments on the loan over the term. the complaint is due to an insurance error by the bank in mortgage escrow. My homeowners insurance that is escrowed increased significantly so I found a new more competitive insurance policy. 
US Bank made the payment to the old insurer in XX/XX/XXXX. I informed US bank of the change and the payment was returned to me by the insurance company. I made a payment back to escrow to reimburse since a new insurance payment was going to be made. 
US Bank admits the returned escrow payment was made but for an unknown reason, the payment was never recorded. This caused a shortfall in the escrow amount. I disputed the recalculated escrow amount due to US bank errors from XX/XX/XXXX to current. 
My mortgage payment is an auto pay from another bank and payments have been made each month but not to the erroneous amount that US Bank claims. As a result, US Bank has continued to not apply my payment and each month holds it in " suspense '' and charged late fees and I believe has reported as late to credit reporting bureau.. 
I have tried to work with US Bank on this and have escalated to their management to no success. 
I have continually told US Bank I will continue making my old payment amount of approx {$3600.00} each month until I receive a correct escrow statement. I finally received what I think is a correct escrow statement and made a catch up payment of approx {$250.00} in XXXX and changed my auto pay to the new escrow amount. 
It is now XX/XX/XXXX and my latest payment made on XX/XX/XXXX is still showing in suspense and is reported as late. 
I wish to complain formally about US Bank and it's practice of mischarging and misreporting to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief