BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/2018 XXXX XXXX XXXX  Bankruptcy : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL 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 2021-11-05
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Contacted Rocket Mortgage on XXXX as they advertised additional options for loans besides a refinance of mortgage. After discussing the need to explore options for securing a $ XXXX home improvement loan, the advisor proceeded to tell me they could get that out of the home 's equity and that it would be added to my monthly mortgage payment at same interest rate I had. Subsequently came to find out that they went forward trying to process a refinance and pulled my credit yet again ( I had already explored this option through their online portal ). Then came to find out that they didn't even offer home equity loans or HELOC 's ( the latter I was aware of ). The company continues to aggressively pursue refinancing on a home I haven't been in for a year with a rate that is worse than what I have now. I have been contacted by 3 different representatives on XXXX - each failed to listen to my goal of securing a loan and simply informing me that Rocket didn't have a product offering to suit my needs. Each tried to provide " options '' through a refinance that could work but ultimately left me with less than half of what I was looking to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
SUNTRUST BANK IS PLAYING SILLY GAMES, THEY CLAIM I OWE THEM SOMETHING, THEN WHEN I CALL THEY WANT TO RECORD ME, THEN I SAY I AM RECORDING THEM, AND THEN THEY HANG UP ON ME, THE LOCATION OF THE BANK XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX, I WENT TO THEY SAID I HAD AN ALLEGED DEBT, I THEN CALL THE PHONE NUMBER AND THEY PLAY THIER SILLY GAMES, SEND ME A 'BILL ' NOT A STATEMENT I SAY, 'BILL ' A STATEMENT SHOWS WHAT WAS OWED AND HAS BEEN PAID, SHOW ME PROOF OF VALID DEBT,

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 2021-07-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I am in the process of buying a house and can not do that and provide for my family with these inaccurate accounts on my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To whom it may concern, I sent in several disputes, disputing the inaccuracies of the bankruptcies on my credit report. The credit bureau sent a letter stating that the information was verified and has the US Bankruptcy Court as the address where the information was verified. I called and sent a letter to the US Bankruptcy court and they stated that they don't verify information with the credit bureaus. The credit report shows the liability amount as XXXX which is inaccurate and they have removed the bankruptcy and put it back on my report without a 10 day notice. Equifax has also deleted two other accounts off my credit report then put them back on. Those accounts are XXXX and XXXX XXXX XXXX XXXX. I am submitting the complaint due to lack of investigation into my original dispute. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX, employee ofJP Morgan Chase told me my refinance was not approved because they can not subordinate my second mortgage because there is less than 5 years remaining and because of my current credit score. He asked how I wanted to proceed. I said i did not have the means to pay it off so if I couldnt do that does that mean I am backing out of the application and Chase gets to keep my good faith money. He said no if I say I want a refund the file will be declined and I would get my money. I said refund I heard nothing for weeks so in XXXX I left a voice mail, which he did not return. Several days later I called again and he said something to the effect he wasnt ignoring me and he hadnt gotten the voicemail so it wasnt his fault. He said it was being reviewed, it should take a couple of weeks and then the funds would be returned. In the meantime I suffered the sudden death of my boyfriend who had to be removed from life support and watch him die, I had to struggle through work and the holidays and it never dawned on me I still hadnt received the refund. I emailed XXXX again and he said The request was rejected. Youre not getting your refund.. I emailed again and asked for his supervisors information and he sent me a ride email saying I already told you theres nothing I can do and neither can she I had found her contact information XXXX XXXX XXXX XXXX and emailed her including copies of the emails and left a voicemail, neither of which she responded to. I emailed XXXX again and told him I would continue up the chain of supervision and if necessary contact Consumer Financial Protection Bureau, The Federal Trade Commission and XXXX XXXX XXXX 
In his last correspondence he said if I can get my credit score to the minimum they require- I have no idea what that is as they never mentioned there was a minimum they could redo the application waive the {$500.00} fee and pay off the second lien XXXX This makes zero sense as the initial reason given for rejecting me was the second mortgage had less than XXXX years on it and it could not be subordinated He enclosed the agreement I signed and it states that the good faith money would be returned unless I withdraw the application or I dont provide documents they want in a timely manner. I did neither of these things yet they are refusing to refund my {$500.00}. I realize this is probably nothing to him or his supervisor and absolutely nothing to JP Morgan Chase but {$500.00} is a lot of money to me. I would not have tried to get a better interest rate on my mortgage if money meant nothing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX ( XXXX ) had pulled my Transunion credit profile without my permission on XX/XX/2022. And their manager also harassed me about they will pull my credit profile at XXXX and XXXX ( at that time I froze those two, but not Transunion ) So I want this credit inquiry should be removed from my credit profile. 

They tried to obtain my credit profile even though I said I had already been approved for an auto loan from the local credit union and they already got my documents. But Dealer tried and also did verbal harassment about I don't want to unfreeze my credit report ( because this is unnecessary )

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 2022-09-01
Company: EdFinancial Services
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On Wednesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Biden 's Loan Forgiveness. I saw on the XXXX XXXX XXXX website that we were able to request a refund on payments made throughout the payment pause that started in XXXX due to Covid laws/orders from the federal government. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days and could even take much longer than that. 

I was a XXXX XXXXXXXX recipient and will therefore eligible for {$20000.00} in forgiveness. Throughout the pandemic I paid well over {$20000.00} in payments. Due to that I requested a refund of my final 4 payments which total just over {$20000.00} at {$20000.00}. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXXXXXX XXXX  are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. What's worrying to me is that the application for forgiveness starts in XXXX and edfinancial won't be processing any of these in time for us to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed which won't be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but it's very concerning to me that they're saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other people 's loan providers reinstating their balance after requesting it just XXXX hours later makes me very concerned that this company is not working in my best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: NC
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 disputing fraudulent accounts on my credit report. This accounts were opened in XXXX  when the Equifax breach occured. I've been contacting the 3 credit bureaus monthly trying to get a resolution but XXXX refuses to reinvestigate and Equifax and XXXX continues to update the account without providing anything contract bearing my signature. I'm requesting that these accounts be deleted from my credit report within the next 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: American Financial Network Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested American Financial to drop my PMI and they responded with email instructions- for me to either send check for {$100.00} for a BPO appraisal or a check for {$320.00} for a full appraisal. I followed the instructions precisely and mailed a check for {$320.00} along with a letter requesting the full appraisal as well as the email request with the full appraisal instructions highlighted. 
They cashed my check for {$320.00} and I received a call from an appraiser that he is coming to do a XXXX appraisal. This is not what I requested or paid for. I called American Financial to resolve the issue and was told they offer no phone support. They sent an email which could take up to XXXX for a reply. I would like to speak with someone as soon as possible to resolve the error. And I would like them to schedule a full appraisal ( as requested and paid for ) immediately. 

I would also like to note that I have so many problems with American Financial. They never pay my homeowners insurance correctly or on time. I have to call them constantly to fix mistakes and their customer service is awful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: ENOVA INTERNATIONAL, INC.
State: IL
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:
Upon checking my credit report on XXXX, I noticed various " hard inquiries '' from companies from which I've never applied for a loan. 

On my XXXX  report, a hard inquiry is shown XXXX XXXX, XXXX dated XX/XX/2021. I did not apply for any product with XXXX  ( or any brand or company owned by XXXX  ) on that date. 

I reached out to XXXX via email on XX/XX/2021, and followed up on XX/XX/2021, asking them to investigate and remove these unauthorized hard inquiries. I did not receive a response. 

On my XXXX  report, a hard inquiry is shown from Netcredit Fs for the same date, XX/XX/2021. I contacted Netcredit customer support on XX/XX/XXXX and followed up again on XX/XX/XXXX, but the team did not investigate the unauthorized hard inquiry nor remove it from my report. 

I would like these unauthorized inquiries removed from my credit reports, as they are damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with XXXX of Cross Country Mortgage of XXXX XXXX, FL back in XX/XX/XXXX. My credit is not perfect, I have a bankruptcy which included a foreclosure, but I was pass the 4 years required by XXXX XXXX. I sold my house, started the process of buying a house, I had to rent a place to stay on a week to week basis during the process. XXXX explained how the entire process would work from beginning to end, although none of it was true. Once I had sold my house and essentially had no where to live the simple process became difficult. I started the process XX/XX/XXXX, and was told around XX/XX/XXXX or XX/XX/XXXX that the foreclosure wasn't included in the bankruptcy. I had no where to live and already under contract to purchase a new home. XXXX kept telling I had multiple options and he was looking for the best. We had to keep pushing the closing date with the sellers, I was afraid I was going to lose the home and my deposit of {$10000.00}. XXXX told me the correct paperwork wasn't done for my bankruptcy and all I could get was a 5 year ARM, he told me I would only have to pay interest and he would refi free for me XX/XX/XXXX when the time frame had been met. I paid his company thousands to close and the company the gave my loan to ( XXXX XXXX ) made me pay creditors off they thought was best. The mortgage payment was more than I expected. Then XX/XX/XXXX I spoke to a couple mortgage companies and finally settled on one who refinanced me into a conventional loan, one that up until about a week or two ago XXXX still said I couldn't get. 
I really feel that because I was in a bind, desperate XXXX took advantage of the situation. Not only did the loan cost but I had to pay for some place to stay longer than I planned. I would like to make sure this doesn't happen to anybody else!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EdFinancial Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was transferred over to EdFinancial some time in XXXX after being with XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I made a payment of {$10000.00} dollars to XXXX in the summer of XXXX during the loan freeze. EdFinancial has no history of this payment and instead are just now requesting my payment history from XXXX. They said this process would take 60 business days, when I feel as if they should've gotten my payment history beforehand when my account was transferred to them. 
The entire purpose of getting my payment history is to be able to get a refund as is written into the CARES act and credit that to my balance instead. They quoted me another 150 business days to get the refund processed. It seems as if this timeline is far too long and might even occur after the debt relief is credited to my account. Other loan servicers are quoting 4-6 weeks which seems much more reasonable with some even getting the process done in a week. One key point of this quote is the fact that the refund is set to occur after the the payment/interest freeze is lifted meaning that the loan will be able to accrue interest once refunded. I'm not sure if this is their reasoning behind the long quotes but it definitely seems like a possibility from where I'm standing. 
The company doesn't send e-mails or any other type of confirmation to assure you that they've actually submitted your requests, rather forcing you to contact them to confirm. There have been quite a few cases where upon this contact the loan recipient finds out EdFinancial has no such request on record. All this uncertainty has caused me quite a bit of stress as well as frustration wishing I'd had any other servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have made several. attempts to, fix monitor, and correct errors on my EQUIFAX credit file. It seems as if each, and when it's time for me to obtain a free copy my annual credit report, either my account is locked or I'm unable to login to get it. I then have to end up calling Equifax directly. When I call, their system leads you to believe that you have to submit a request in writing and send two forms of identification when you do. It is usually at that point where I call Equifax 's credit monitoring dept. and share with the rep that I'm locked out of my credit file and they get me into direct contact with a rep within company that fixes and unlock my file right then. This seems really peculiar because in the midst of all of this, EQUIFAX reports my score SIGNIFICANTLY lower than any of the 3 major credit bureaus, and this has been happening for sometime. XXXX  currently has my score at XXXX, while Equifax has it at XXXX. I understand that there may be some difference, but it shouldn't be by over 40 points in the midst of NOT being able to get, or have access to your credit in efforts to correct or address anything on there that may be causing this on my ( the consumers ) end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This involves the Company by the name Coinbase, located in XXXX XXXX, CA. Coinbase is a crypto currency exchange company. 
I signed up to use Coinbase on XX/XX/2021. I made three purchases of {$1000.00} each XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). On XX/XX/XXXX at about XXXX, an unauthorized purchase was made in the amount of {$1000.00}. I was asleep at XXXX so it was not me that initiated the purchase. Later that day on XX/XX/XXXX when I realized this purchase occurred, I contacted Coinbase via email ( they literally don't have a customer service phone # ) to tell them I did not make the purchase. I received an email response from Coinbase on XX/XX/XXXX saying that my account would remain frozen until they resolve the issue ; they also asked for more information, which I provided that day. On XX/XX/XXXX, Coinbase responded saying they would review the case and get back to me. I filed a complaint with my bank and they reimbursed me for the {$1000.00}. I have reached out to Coinbase 10+ times since then requesting an update and access to my account, with no response and no way to access my money. It has been several weeks with nothing more than automated email responses from the Coinbase. I've search the XXXX website and XXXX, and there are thousands of complaints similar to mine. This company should not be allowed to operate as they don't know what they are doing and are in way over their heads. I can't imagine that their behavior is not criminal. My Coinbase case # is XXXX.

Company response to consumer: Closed with monetary relief