BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/20, I was referred to a Guaranteed Rate Loan Officer as we were interested in refinancing and we specifically  stated that our main interest was to lower the mortgage interest rate, the mortgage payment, and to get rid of the mortgage insurance. We were informed that a Conventional Loan will help us to do all this so we started the loan application. Based on our credit scores we were informed that the best interest rate for a conventional loan at that time was 3.99 % for a 30 year mortgage. We had a 3.875 % FHA mortgage which was better than what they offered but she informed us that she could manage to lower the mortgage payment. On XX/XX/20, we received preliminary closing fees that will be charged at closing and we noticed that a Discount Points fee was added for {$4900.00}. Then, on XX/XX/20 the 1.5 % of the Loan Amount ( Points ) was reduced to {$3500.00}. During the process of the loan we had several problems with the Loan Processor, that close to the end of the process, I sent an email to the Branch Manager as I was informed by a friend that the mortgage interest rate had gone down, so I decided to send an email to the Branch Manager and she replied to me saying that they couldn't lower the interest rate because of my credit score, but they were still going to be charged 1.5 % in points. At the end, we did not like the way we were treated due to people who refinance are asked to wait because they prioritize Purchase Loans this was said by the Branch Manager in writing via email. As if we the people like us who refinance don't deserve the same attention or treatment. The refinance process is not " free '' as they charge all these fees to include large fees they are not willing to do anything about like when you pay points it is specifically to lower your interest rate. We decided not to refinance and to stay with our mortgage company, everyone should be treated with respect and in a " fair '' manner regardless of what type or mortgage you are applying for Purchase loans over Refinancing loans, and Guaranteed Rate shouldn't give " priority '' to purchase loans as loans should be treated and process in a " fair '' manner. I wouldn't recommend Guaranteed Rate to anyone who is looking to refinance their loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
After I reviewed my free credit report, Experian billed my credit card for credit monitoring services without my approval. I never subscribed to their services. They said it is in their terms and condition for viewing the free credit report. How can something be free if they make you pay for it and then bill you monthly. Trial membership that requires someone to call and cancel the membership should be forbidden.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-08
Company: NCC Business Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
NCC Business Services from Florida called me on XXXX/XXXX/15 XXXX times and asked for my mother ( I am her guardian and have POA ) but they would not tell me anything about why a debt collection company was calling her. They asked me to fax over my POA papers but I refused since I did not know who they were or what they were referring to. I thought it was over and then on XXXX/XXXX/15 the same fellow called me back. I had my mother call them and give them permission to talk to me. I called the company back later in the day and he mentioned the amount was {$2000.00} for repair of an apartment my mother had moved out of in XXXX. I thought I had paid this and told him I would look into it and call him back. When I contacted my bank, it was confirmed that I actually did pay this same amount for apartment repairs in XXXX and the bank is sending me a copy of the cleared check. So I called the company back and told them that they have the wrong information, the bill was paid and I was told to hang on. They had not asked for my name at this time or any information. It was a girl this time on the line and she came back on after a couple of minutes, apologized for the delay, and then the call was terminated. I called directly back, had the same girl, and the same termination of the call from their end. 

I reported this to the FBI and they suggested I report it to you as well. 

The name of the company they gave over the phone is NCC Business Services Debt CollectionPhone # XXXXThey were trying to get me to pay a bill which was already paid a few months ago. They are attempting to take money from the elderly. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have been receiving calls in the late evening claiming I owe on a creditcard, Affirm, which I do not recall. Is not even on my credit report, I requested that they send me a letter of officail debt and to stop calling me past XXXX. The agent was interupting me and threatened to arrest and sue me for a debt I do not recall, that is why I requested a letter. She advised me that I need to write a letter to demand the phone calls be stopped but I am on XXXX and could not write the address, as she was yelling and interrupting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I filed a complaint and did not receive any response from the credit bureau. It has been over 30 days.

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 2017-01-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
These inquiries I did not authorize. 
Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016

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 2016-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Caller called from XXXX indicated I owe a debt and they are calling to collect. I do NOT owe any debt other than my mortgage, student loan and credit cards that are ALL current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1995 Balance : {$21000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: LA
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX****, XXXX XXXX XXXX**** and XXXX XXXX XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX/XXXX/XXXX - I filed a ticket to Coinbase because it has restricted my account. I am based in XXXX and my account got restricted when I tried to login online from a restricted country. Case reference is # XXXX. I attached my government ID and utility bill as proof that I am a resident of XXXX. 
XXXX XXXX - Coinbase support responded that my case has been escalated to a Specialist and they are working on it. 
XXXX/XXXX/XXXX - no updates since. I filed new tickets but no resolution as promised by Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Reinserted previously deleted information.Experian credit reporting has reinstated XXXX that was once removed from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
It is my understanding that one late student loan payment can drop your credit score almost 100 points. I had 17 late payments on my two loans, that were errors acknowledged by XXXX. 

On or around XX/XX/XXXX, XXXX submitted a correction to the CRA 's to update my accounts. The following late payments were removed and to be marked as current : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX from each loan. That equals the removal of 16 late payments ; which appear to be reflected on my accounts with each bureau. 

However, my score has not changed at all? My payment history % has improved significantly ... .but my score has not. 

I was expecting to see some increase in my score and was hoping you could provide an explanation as to why there was no change. 

Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CITIBANK, N.A.
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : CITI XXXX Date Opened : XX/XX/2012 Balance : {$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 explanation
Consumer complaint received 2020-04-09
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've had my XXXX XXXX for 10 years and worked my way up to a XXXX credit limit during most of that time. The balance and usage fluctuated all the time when it more recently went up to XXXX. The fees are way high so paid off XXXX by way of balance transfer with another card in XX/XX/2020. Then days later my credit limit with Chase is lowered to XXXX. It really effected my credit score. I've tried 3x to fix this with Chase but they refuse to reinstate it when this was purposefully a way to penalize me. A so called " supervisor '' called me back and when he heard some swear words ( that I was referring to the action taken not at him ) he makes up a lie saying I cursed at him and he hung up on me. They came up with bogus reasons and delinquencies that were never there. I was a few days late here and there in my 10 year history but never delinquent or reported that way to the bureaus. They are standing firm in only running my credit again and penalizing me some more to see if I'm worthy of the same limit but they just lowered it so I'll take a hit twice. I'm baffled and disappointed that they even have these things in place and are doubling down on such a deceptive practice. With the current pandemic going on I really need all my balances available to me should the unforeseen happen and this is when they decide to stick it to a long standing customer? It's absolutely terrible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX XXXX Balance : {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I attempted to make a transaction I never received the product or services and was still charged, after becoming aware of this I immediately contacted BBVA Compass to dispute and was awarded a refund but was still charged several overdraft fees because of it. The bank stated that Federal bank regulations would not allow them to refund the overdraft fees because it was not a bank error. I 'm refusing to have to pay the bank fees for transactions that are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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: Their investigation did not fix an error on your report

Complaint:
For several years I have asked the XXXX and XXXXXXXX XXXX  to verify the debt that is on my credit report. I have sent numerous letters and no one and send me a contract with my wet ink signature from these institutions. I have always mailed my letters to both the creditors listed above, and the big 3 credit bureaus, XXXX, XXXX and Trans Union. Mostly I called yesterday XX/XX/22 at around XXXX PST and had a lengthy discussion with XXXX in XXXX XXXX. She was not able to verify or articulate how these accounts, that I have been disputing for years, were verified. I ask her to provided me with the same instructions I have asked the creditors, to provide me with a contract with my wet signature on it and they have never produce it. 

XXXX {$15000.00} -Acct # XXXX XXXX {$4700.00} -Acct # XXXX XXXX {$5100.00} -Acct # 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 2022-09-09
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
account showing as negative, account was paid in full never late asked for update no response to date

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It stated to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters. 
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer. 

Thank you, 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 2015-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Trans Union letters have been sent wrong information and on XXXX accounts wrong lastname some one used the credit cards other than my self I ask Trans Union to sent meproduce document proves my name none the amount of the accounts are worgI have sent them letters its been more than year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: I.C. System, 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:
CRA violation accounts are inaccurate. Its not mine, i have knowledge of the account. 
PO number 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