BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-01
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
XX/XX/2016 I purchased my home and my loan was sold and serviced by Freedom Mortgage. The mortgage was an FHA loan. In XX/XX/XXXX I received an offer from Freedom Mortgage for the FHA Streamline refinance program and I applied in order to reduce my rate. Initially, the closing was going to occur in XX/XX/XXXX until I was notified the program requires 6 months of on time payments. Given my mortgage was new the 6th payment would not be made until XX/XX/XXXX. I remained in communication with the loan processor XXXX XXXX, who told me everything was fine and once the XX/XX/XXXX payment posted we 'd move to closing. My payments are setup to pull automatically every month on XX/XX/XXXX and have been since the loan 's inception. My Bank account can show this. On XX/XX/XXXX I followed up with XXXX to notify her the payment had been pulled. Around XX/XX/XXXX my wife, who is a co-signer, received a Credit Denial letter. I myself have not received a decline letter. The reason for the denial of credit was due to a late mortgage payment. This is inaccurate and they should know better since they can see my loan payments are pulled by their system every month automatically. When I inquired about this the processor pointed to the loan officer, then loan officer pointed to the processor, and then the processor pointed to the underwriters. Nobody was willing to admit a mistake was made and to correct it. Finally I got a manager 's information from XXXX, her name was XXXX. She too was of no help and would not recognize their mistake. 
This is unacceptable practice. The denial reason is bogus and easily corrected if they would simply check their system and confirm the loan payments are automatically drawn each month. I called their customer service to confirm we were current, and they concurred. Clearly a disconnect between their departments and information between the two. 
What is even more upsetting is the rate lock has expired now and with the rising interest rates over the past few weeks I will not get the rate which was originally locked at 3.75 % even if they were to reopen the application. This rate reduction would have saved me over {$25000.00} in interest and I intended to keep my payments the same at which I pay today. This would have eliminated close to 4 years off my mortgage.

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 2022-03-25
Company: WLCC
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I was contacted by a locating service that refused to identify themselves. They provided a " Case number '' and a phone number. I contacted the phone number and provided the case number. I was put in contact with XXXX XXXX. I was terrified of this " Locating service '' they used. I agreed upon a settlement ( {$310.00} ) that day but during the course of this conversation, I asked the representative of XXXX XXXX ( The Debt collection company ) to email me verifying the debt. I received no email. I had already scheduled the payment at this point but was too scared to do anything about it. The payment arrangement defaulted. I received a threatening message on XX/XX/XXXX saying this was going back to a Locator and " Good Luck ''. I called XXXX processing at XXXX AM to arrange a different settlement and attempt to avoid the '' Locater ''. All settlements were rejected after a XXXX call. At XXXX PM I received another call stating the payment declined, I was sent to the locater and " Good luck '' again. I have still never received either by email or mail, a written communication that I owe this debt. I am terrified to be " Located ''. My Home address is with the original company. I am also absolutely willing to settle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
This is XXXX XXXX and I am submitting this complaint to follow up the most recent CFPB complaint I previously submitted dated XX/XX/2022. I also sent dispute letters addressed to the Credit Bureuas last XX/XX/2022 with complete attachments pf my presonal information such XXXX my driver 's license, and my SSN, I also attached the ID THEFT REPORT I received from the FTC. I have read that the Credit Reporting Bureaus are required to remove any account and information that resulted due to idetity theft within XXXX business days. Under the FCRA section 605b, I need the following items deleted as soon as possible. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. Once again, I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Information  and referenced documentation was disputed with   XXXX   in   XXXX    2017  and It has been more than 30 days since the intital submission. The disputed information was regarding the     XXXX   XXXX   XXXX     and  XXXX  loans. Information was provided showing an open real estate account with  XXXX  that was not included on the report .   XXXX   XXXX   XXXX   continued to report negativ e pay history while I was in an active Chapter  XXXX  bankruptcy.  XXXX  was asked to remove all negative pay history reported by creditors while I was in active bankruptcy status.  Currently   XXXX  is not showing active and that current payments are being made. Negative pay history reported during the time I was under bankruptcy should not be on my report according to the fair debt collection practices act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: CITIBANK, N.A.
State: WA
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:
Hello, I am writing to complain about an issue that I had with Costco Citi Visa Card. Citi has been charging me with interest charges even for the months that I have paid the credit card fully. I wasn't aware that this was happening, and just last month I was charged with {$120.00} interest charge even though I paid last month 's balance of {$6600.00} ( {$6500.00} after credit adjustment ) in full. To my knowledge, there should not be any interest charges if I pay the credit card balance in full, and Citi has been charging me with huge interest charges in spite of the balance being paid fully. I reached out to Citi customer service and they've not been able to resolve this, and so I don't have an option besides escalating this to CFPB for resolution. Thank you and please assist me to get a resolution in this matter. This has caused much emotional distress for me. 

Thanks.

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 2022-08-16
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On X/XX/17 I attempted to withdraw {$80.00} cash from a XXXX XXXX ATM machine in XXXX, NY. When the machine did not dispense the cash and the transaction showed as completed, I immediately asked for the store manager for help.
The manager instructed me to call my bank as the issue had been happening for months according to her without any repairs or resolution. I asked why they had n't put a sign up or called for a repair and could not receive an answer. I immediately called my bank, JP Morgan Chase and put in a dispute/claim for this transaction gone wrong. They informed me they would look into it and provided me a temporary credit of {$81.00} including the ATM fee. On XX/XX/XXXX, the credit was reversed and I was recharged for {$81.00}. Once I noticed this, I called Chase to inquire and was told that the ATM vendor records claim that the money was dispensed and so my claim was cancelled. They claimed to me that they were not shown any proof of this or any logs as well. Furthermore the claims agents were not able to provide me with a phone number to try to dispute directly with the XXXX 's ATM vendor. At this point, I do not know how to contact them and get this resolved. I have been robbed of {$81.00} and I can imagine how many others have been as well. The fact that this ATM charges a nominal fee also means that many low-income people who live nearby or frequent the chain store are being robbed is alarming. I request the help of CFPB and hope there can be positive resolution not just for me but for the others that may not have been helped. This may also be a scam location that noone is aware of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: FL
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:
In Accordance with the fair credit reporting act XXXX  acct # XXXX XXXX XXXX was paid off and needs to be deleted from the credit report, Also XXXX XXXX XXXX closed and settled and needs to be deleted from all three credit bureaus. Both XXXX XXXX XXXX 's Acct number XXXX and account number XXXX  were both paid of and settled for deletion on all three credit bureaus.

15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction.

I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. 

Thanks 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 2016-10-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried numerous time disputing hard inquiries with Equifax. I did not apply for a job nor was I granted credit with these people and I want them removed. I have sent certified letters to both creditors and Equifax with no response. Some were Return To Sender. If it 's not a real company than how can they pull my report? Equifax refuses to delete them from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Disputed an item on my credit report that was reporting in accurate information. Equifax removed the item then reinserted. Not only once but now it 's reporting two times. Both inaccurate information and causing financial hardship. XXXX, XXXX, XXXX, Pa XXXX. XXXX. I have no knowledge of this collection account and have never been notified of such account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
yesterday i looked at my credit report and noticed that there was hard inquiries placed on my account that i did not authorize. I have sent letters to the companies asking for verification and they have decided not to answer this in the 30 days permitted by law. I called equifax and and asked to speak with a special fraud agent in the united states about the account,. the representative refused to transfer me and refused to put a temp lock on my account since i did not request this loan. I called multiple times to request this and each time i was told the same thing. one Representative even became belligerent and told me that i should file a complaint because they had verified the account ( while i was speaking to him no less ). I finally spoke to a representative and he claimed that he would remove them if i placed a lock on the account which i was very in favor of. The lock was not added and the accounts are still there

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access ( to credit file XXXX XXXX XXXX ) has been given in writing. No validation of Debts has been given at all by XXXX XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries by XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have sent numerous correspondence with this company disputed it with the credit bureaus and they have failed to prove that I was ever late on any payment as I was not. I paid every payment on time and traded vehicle and closed loan accordingly. They repeatedly report I was late XXXX of 2020 when that was impossible as I had traded the car late XXXX and paid off loan. They refuse to remove late payment reporting to all my bureaus when It was already traded and I was never late

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 2017-05-26
Company: Firstsource Business Process Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ON  XX/XX/XXXX  I called One Advantage LLC formally known as Firstsource Advantage , LLC at telephone number  XXXX  about a collection on my credit report I spoke with a rep by the name of  XXXX  that stated he could not hear me I asked him to hold while I adjust my phone he hung up on me. I then called the same number back (  XXXX  ) again and spoke with a    XXXX   XXXX    that first asked me the spelling of my last name then first name and then my date o f birth. I told her that I had a copy of my credit report and it had her company listed and I was not familiar with that company nor did I owe that company. She stated to me that her company purchased my account from  XXXX   XXXX   XXXX  for a   XXXX   XXXX   that I received on  XX/XX/XXXX . First of all I never received a  XXXX  because the wait was long I left the hospital, so the hospital charged the insurance company for service I never received, needless to say then supposedly send me to a collection company for service or something that I never heard of. I asked her if she could send me verified documentation with my signature and social security number to verify what she saying is correct and she said that she would not have that information. I then stated to her unless she could verify that I owe her company {$1300.00} the collection from her company should be removed from my credit report immediately. She refused and stated that the amount and debt was valid. I told her that I never received any services from  XXXX  and she again stated that I received a   XXXX   XXXX  . If I would have received any service for the collection company to know what service a hospital provided if any were provided is  against HIPPA v iolations so for that reason alone and the fact that I never received any services and nothing can be validated I am requesting that again One Advantage remove this insane debt off of ALL  XXXX  OF MY CREDIT REPORTING AGENCEIES (  XXXX ,  XXXX ,   XXXX    )  it 's damaging my credit rating and causing me hardship of not being able to purchase my home. Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: U.S. BANCORP
State: IL
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:
Elan Financial, servicing the XXXX XXXX XXXX XXXX ( GLCU ) account I have, " converted '' my card XX/XX/2022 with a differently numbered card. It now ends in XXXX. They have been calling me every day in XXXX trying to collect a minimum payment of {$25.00} on this account. I have never received a statement for this new card! I made a total balance payment on the old numbered account ( ending in XXXX ) on XX/XX/2022, but they claimed they never received it. I sent them a copy of the front and back of the check, as they requested, showing that it cleared XXXX on XX/XX/2022. They continue to try to collect. They have not acknowledged the " lost '' check, nor have they sent me a statement since the " conversion '' took place. I have talked to XXXX people at Elan Financial about this, the last a " XXXX '' on XX/XX/XXXX, yesterday. They all say they understand. But I don't. I would like them to A : send me a statement for card XXXX showing all payments made to XXXX. B : stop calling me, and C : don't dare touch my credit rating in the XXXX 's.

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 2015-06-23
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear CFPB, I have a high level issues for you today, XXXX you are likely aware of already. 

My student loans were recently switched from XXXX XXXX to XXXX, which is a subsidiary of XXXX XXXX, per a restructuring of XXXX XXXX loan portfolio. Shortly thereafter, I engaged a XXXX Income-Based Repayment ( IBR ) program, in XXXX XXXX specifically. The original XXXX XXXX accounts related to my loans were closed ( standard procedure ), and new ones opened up with XXXX for this IBR plan ( also standard ). 

As a result, the average age of my credit accounts was reduced significantly, even though the actual DEBT is the same debt I have had since graduating both XXXX ( XXXX ) and XXXX ( XXXX ) programs. The move to an IBR plan helped me financially as I am able to better service the loans, save money for a house and invest in the stock market ( and employer XXXX ). 

So in essence, I 've made the right moves to better balance my financial obligations, long-term investment plans and economic consumption ... but I am penalized on my credit report for a shorter duration of accounts because the XXXX IBR constitutes a new account ( XXXX to be exact ). On the plus side, I reduced the number of student loan accounts I previously held from XXXX to XXXX, but that is a different issues altogether ( classification and organization of debt accounts can be detrimental to credit reports even if that debt is attached to XXXX overall degree program ). 

I 'd like to ask for your collective brain power on this : should I be penalized on my credit reports for making good decisions about my debt obligations? I feel that goes against the spirit of our credit system, but I am just XXXX XXXX, right? 

Thanks for listening, would be happy to engage in a dialogue at your convenience. 

Best, XXXX

Company response to consumer: Closed with explanation