BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 recently been having trouble with disputing hard credit inquiries that I have discovered on my credit reports. Specifically with XXXX I feel that they are not really abiding by the Fair Credit Reporting Act because I have submitted several disputes and I keep getting the general response " Inquiries are a factual record of file access .... '' They have not initiated any kind of investigation into the fact that several companies have pulled my credit reports and I can not recall giving them the authorization to do so. I have filed disputes on the following dates : XXXX-17, XXXX-17,XXXX-17, XXXX-17, and XXXX-17 just to name a few and I keep getting the same response explaining to me what an inquiry is. I have also filed disputes with Transunion & XXXX to get all unfamiliar inquiries removed and have not been able to get any results. As a data furnisher I believe it is the responsibility of the Credit Bureaus to be sure that they are reporting true information and if it is disputed it should be properly investigated. If information can not be verified then it should be deleted. If for some reason they believe that these inquiries were initiated by me I would like to be provided with proof. I have also contacted the creditors before I ever filed a dispute with the credit bureaus and they advised that I dispute the inquiries with the major bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The bank keeps dragging there feet with documents. Every XXXX weeks they seem to have another document that expires. So it starts the whole documentation process over and it has become very uncomfortable with an auction date of XXXX XXXX on my home. I really need help, i had someone at XXXX contacted by the CFPB and that helped but now that is not really helping any more. I do not know what to do about this any longer. My consumer advocate at XXXX contacted me on XXXX/XXXX/XXXX and notified me i was in final review and they no longer needed papers. The same day they are now claiming underwriting issued updates needed on XXXX documents, i think that is ridiculous. This is the XXXX time they did this to me, the XXXX time was in late XXXX XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
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: Information belongs to someone else

Complaint:
I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX  ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
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 credit scores have been affected by a past credit card account that was opened years back without my knowing until recently viewing my full credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 credit scores have been affected by a past credit card account that was opened years back without my knowing until recently viewing my full 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 explanation
Consumer complaint received 2020-08-19
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: Investigation took more than 30 days

Complaint:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. My documents were submitted on XX/XX/2020 and received a week later and I have those records ... .no alert was even put on my credit file and all 3 bureaus continue to report the fraudulent accounts and is damaging my financial future!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not responsible for this account. It is the result of fraud. I have contacted the companies several times. I even paid the debt with XXXX XXXX XXXX XXXX in the amount of {$130.00} JUST to have it cleared and removed from my credit profile after going back and forth with XXXX XXXX XXXX XXXX the collection companies that have illegally placed this debt on my credit. Continuing to report this debt on my credit profile violates my rights as a consumer to be free from defamation of my financial and economical status.

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 2019-01-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I returned a metal drying rack to Walmart Order # XXXX today, the customer service representative was extremely uncooperative and wound up refunding the payment to a gift card instead of my Walmart credit card. I didn't want to stand there and argue with her as she was extremely uncooperative so I came home and called customer service. The representative said she could help me out and transferred me to a department that provides store locations, pharmacy locations, etc. They do nothing for my concern and I was apparently just transferred just to get rid of me. I'm tired of this vicious circle dealing with Walmart, I want this refund to go back to my credit card so I could close this credit card 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
Consumer complaint received 2017-11-15
Company: Innovis
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: Account information incorrect

Complaint:
On XXXX XXXX, XXXX, I provided a " qualified endorsement '' negotiable instrument to my lender XXXX to pay for my mortgage in full in the amount of {$110000.00}. Since then they have demanded additional payments from me each month. The last statement I received they demanded {$3200.00}. Attached is proof of payment in full for my mortgage made on XXXX XXXX, XXXX. They are committing fraud and using the credit reporting agencies to assist. They even threaten to foreclose on my if I do n't pay them additional money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A scammer wanted to buy a camera I was selling. Told me to send the {$100.00} to make my XXXX  account a business account. Lost in total {$450.00} before I realized this was a scammer. The emails looked real, and I fell for it. Contacted my bank who said to file it under fraud. They denied my claim saying that it wasn't fraud since I authorized the payment. I sent numerous documents and screenshots showing the fraud.

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 2017-10-18
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and I received a copy of my credit report and was shocked to see two collections for XXXX XXXX XXXX/XXXX XXXX. I have never had that service but my father did. When he became ill I would help him when I could. He would give me his account information and I would pay his bills for him, or run errands, pick up groceries and things like that but at no point was my name on any of his bills. As a son I would just help him when he needed it. After he XXXX XXXX I no longer had access to his private information nor did I need to. My father 's name was XXXX XXXX and I do n't see how they can get that confused with XXXX but there is diffidently a confusion. Those two bills are not mine and have never been 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 2022-06-10
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went into Bank of Hawaii and ask for a personal loan to build credit. I felt uncomfortable because they was stereotyping me because of my ethnicity. I asked for {$1500.00}. I had my direct deposit going into the account, so they knew I was a substantial amount of money to pay the loan back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: EQUIFAX, INC.
State: DC
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:
after reviewing my credit report with XXXX, there are 14 Inquiries showing on my credit report. I only recognize 3 Inquiries that I actually gave consent to pull my report and that's XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX, and XXXX on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern, My name is XXXX XXXX, and I have been trying to work something out with my mortgage lender for about 3 months now and i constantly continue to request a short sale and the lender keeps saying that they do not approve short sales. I find this hard to believe since the Federal Government has had the underwater program in place since 2008 or earlier. I am reaching out to you to ensure that immediate attention is given to my concerns. I feel as if the lender is being unreasonable and I am desperate for help. I am trying my hardest to get this taken care of and they are not doing what the government says the lender should to provide me with foreclosure alternatives. I need your help. I need your assistance. I need for you to intervene and review my documentation for the short sale. I have a buyer, i have a good contract and i a need.

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 2019-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was a collection on my account from XXXX XXXX XXXX for an account with XXXX at the XXXX apartment. This collection did not show up on my account until I submitted a request for a home loan through XXXX XXXX. This collections account was recently taken off my profile for it not being me. I spoke with the apartment complex and the collections agency who both confirmed that the SSN, DL ID or complete name ( including middle name ), did not match me. I received a release letter from the collections agency that I sent to both XXXX and Equifax who showed this collections against my credit profile. 

However, because I was in the process of buying house, this has caused my credit to go from XXXX to in the 640s. After the credit was fixed, the loan rates had gone up and now I will be paying a higher interest rate. This collections account should have never been on my account and neither Equifax nor XXXX can tell me why this was on my credit profile. This is gross negligence and I plan on pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage Servicer : XXXX XXXX ( Mid First Bank ) My home flooded in Hurricane Harvey and took 14 months to rebuild. Previous mortgage servicer ( XXXX ) had me in a short sale program, even though the property was completely destroyed and being rebuilt at the time. At conclusion of their marketing requirement, my mortgage was sold to XXXX XXXX. For the last 5 months, XXXX has had me following the short sale procedures. Now that I have an offer for full market value, they are telling me that I do not qualify for a short sale because my credit score is too high and have to apply for mortgage assistance first. They are now foreclosing on me even though I have an offer, since it is an FHA-insured loan and the FHA will make them whole regardless. I've spoken with a HUD counselor and my attorney -- it appears XXXX is just trying to get the FHA to pay.

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 2022-06-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a Chase Freedom card for many many years. I put all of my normal monthly charges on this card. I always pay down the balance on time and have excellent credit rating. Chase closed my card account with no explanation. I have called several times only to be told my account is closed and they cant tell me why and give me no options or next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This account is Fraud, I never give anyone permission to pull my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
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 is missing that should be on the report

Complaint:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX the are reporting on all of the CRA 's that I was once late. I have never been late. Please have them provide solid proof or remove it from all 3.
Worst payment status 30-59 Days Late Times 30/60/90 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Upon request for validation and dispute of a debt with XXXX I RECEIVED THE ATTACHED letter stating the account was sold. The dent was not validated yet the trade line continues to appear 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 explanation
Consumer complaint received 2021-07-23
Company: Wave Financial USA Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used WaveApps.com to accept my customer, XXXX XXXX XXXX payments. I completed the service and delivered my works to XXXX XXXXXXXX. 

XXXX XXXX received my work files ( XXXX XXXX ) XXXX XXXX issued a refund from the credit card company. 

WaveApps gave me a short notice email informed me of the charge back and closed my account. I received non-payment for the works I've done and I lost my account. 

WaveApps didn't protect my right and did not provide any information on the website or the email before I used their service. 

I also submitted my complaint to the New York State Department Of Labor for non-payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: FIRST PORTFOLIO SERVICING INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Student loans still showing on credit

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 2022-01-12
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I initially called Mr. Cooper ( aka Nationstar ) to inquire about the steps to remove PMI. Given the value of the home we purchased in XXXX had increased and taking into consideration payments made, our LTV met the 80 % criteria. I was told by the Mr. Cooper representative that we needed a certified appraisal and that the loan to value needed to reflect a value of {$420000.00}. I was told that I could use my own appraiser or one through Mr. Cooper, and that It could be a quick assessment online or a detailed. I paid for an appraisal and I submitted it on XX/XX/XXXX. When I did not receive a response, I called and the representative told me that my request was being rejected because the appraisal had to include pictures of every room in the home, which was not specified as a requirement, and that the report must state the improvements were completed since closing. This conflicted with the information I was originally given, which was that the appraisal could be a " quick '' appraisal for the cancellation request. I resubmitted the amended appraisal on XX/XX/XXXX and provided the requested information and receive a denial letter on XX/XX/XXXX. The denial reason was not specified in writing, and indicated I must call a representative. The representative indicated that the denial was because we had not owned the home for 2 years, that the review process was different due to the ownership timeline. I was not informed of this until this conversation which was very frustrating. I requested requirements and details regarding the denial in writing and they refused. Given the appraisal was still within the 120 day timeframe, I resubmitted the request after the 2 years had passed since closing on XX/XX/XXXX. I received another denial on XX/XX/XXXX indicating the Loan to Value comparison is based on the original purchase price and value instead of the current appraised value. I wrote another email on XX/XX/XXXX requesting the process for appeal and for more information. I received a call the first week in XXXX and the representative informed me that since 2 years had passed since closing, the LTV requirement was 70 % and that I would need to submit another appraisal. Every time I talk to a Mr. Cooper representative, they give different requirements to remove the PMI. I have asked for the process in writing and they refuse to provide it, they only review the requirements over the phone. I have asked for the appeal process and requested to dispute, but they have not provided anything in writing.

Company response to consumer: Closed with explanation