BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
My name is XXXX XXXX. I ca n't acces my rush card account. They 've been giving me the run around for almost a week. Ima single mother of a XXXX old son and XXXX year old brother. I 've been with rush card since 2008. This is my second issue with this company. I have been without food for 6 days and I had to go to a food bank. I 'm late on my car note and just lost my job. I 'm a full time student. I cried because I felt like I shout have put myself in this situation, when all I 'm trying to do is support my boys.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2022 I applied for a conventional 30-year fixed mortgage with Chase for the purchase of a new primary residence. I submitted the requested documentation on XX/XX/2022. 

For context, XXXX XXXX XXXX XXXX XXXX XXXX income is treated differently than traditional wages. I am paid a gross salary. Among other things, my taxable income is reduced by a designated housing allowance ( i.e., the housing allowance is not additional income but a reduction in my taxable income. It's a tax break permitted by the IRS ). 

I was pre-approved. Then, conditionally approved based on the condition that I provided a closing disclosure for the sale of our primary residence at the time. Unfortunately, the timing of the sale of our house and the purchase of a future home did not line up and we had to sell our existing home on XX/XX/2022 with a contract date on the home we were purchasing of XX/XX/2022. Several times throughout the underwriting process and just prior to the sale of our home I was told by Chase that everything looked good on the mortgage and we should be getting approval soon. I even offered to payoff some existing debts with the proceeds from the sale of our home to reduce our DTI ratio and was told that was not necessary, that everything looked good even carrying those debts. 

With being encouraged by Chase all along the way that approval was inevitable, we sold our house on XX/XX/XXXX and moved our family of XXXX ( me, my wife, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) into a bedroom at a friends house to live for the two weeks until settlement. On XX/XX/2022, out of nowhere, I was told by my loan processor ( by email ) the loan would likely be denied because Chase can not consider my housing allowance as income. Which I disagree with, but can understand. 

This is what I can not understand : I gave them all of the documentation they needed ( pay stubs, housing allowance worksheet, compensation agreement, etc. ) on XX/XX/2022. This issue should have been realized by their underwriting team well before XX/XX/2022, five days after I sold my house. It could have easily been identified as a problem by the end of XXXX and well before I sold my house. BUT I SOLD MY HOUSE. They led us on, telling us numerous times that we were headed to approval. Now my family has to back out of the contract with no where to go. 

My family is paying for the mistakes of Chase and their underwriting team. What happened is at best unethical and negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax updated my credit report lowering my score over XXXX points. They state on the front because it is due to a recent serious Derogatory item on my report - I of course disputed this through them as wel as on this site. I have been working on my credit for over 5 years and knew that I never paid late. So rather than fixint the error they sent me my credit report which of course shows NO late payments in over 8 years. So not only did they send PROOF that there were no late payments on my accounts they are reporting that there ARE. SInce this is NOT showing on my credit report from any of my account holders. Thye need to provide the creditor that is reporting me late since it is NOT on my report. The report does me good. There is also a serious issue where half of my monthly payments are showing " no data avail '' however the payments have been made which shows on my XXXX as WELL as my XXXX. That needs to be updated as well. This one incident has caused me SERIOUS financial problems as my credit score reflects my ability to pay rent and maintain the balances on the cards I have. I want to know if I have any legal recourse for this as this clearly a breakdown on their end. I should not have to dispute this report on a monthly or even weekly basis. They have a responsiblillty to maintain correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: MD
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:
There are unauthorized credit inquiries on my credit profile.

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 2022-11-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My husband opened a Best Buy Citibank credit card in XXXX. Citibank to date has withdrawn XXXX XXXX. They had authorization to withdraw XXXX. XXXX  a month. At times they went into my account which only had our social security and civil service pensions and withdrew money several times in a month. Most recently they withdrew XXXX XXXX. The account is now in the negative. I want them to reimburse all the money they took. I cant believe they can get away with these deceptive practices. I read your lawsuit against them and I feel victimized by them.

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 2017-03-14
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
While living in North Carolina around XX/XX/2011 I considered filing for bankruptcy. I sent for the paperwork and submitted it and then was told the information was incomplete and could not go further. At the same time I received a good job offer and decided not to pursue the bankruptcy any further. I thought the matter was closed when upon review of my credit report, I find that the bankruptcy was listed as dismissed. On 3 different occasions I wrote to all XXXX reporting bureaus asking that this be removed. I did so using certified mail and each time the response was the same, they ca n't do anything about it and so it has to stay on. I have gone to great lengths to rebuild my credit since XX/XX/2011 and returning to the work force yet this error keeps hanging over my head. 

Please have it removed from all credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving phone calls from a company called PCB about a medical bill from a year ago. What 's alarming to me is I have yet to receive a detailed statement, as this was from XXXX year ago. 
I spoke with my previous insurance company and was informed there is no outstanding balance, and I have documentation as well. 
I 'm being intimidated by a representative named XXXX, that I have to pay my debt which I do n't have. Upon trying to get further information and explaining the situation once again, I 'm either put on hold for a long duration or they disconnect the call. 
The reps name is XXXX from PCB, and the number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Andreu, Palma & Andreu, PL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my collection to XXXX XXXX XXXX on XX/XX/XXXX to their 3rd party lawfirm of Andreu, Palma, Lavin & Solis. I was advised that the 3rd party lawfirm sent notification to XXXX XXXX on XX/XX/XXXX that my debt was settled for less than is owed. At this point XXXX XXXX was to remove the debt from my credit report as is their normal practice. Per my new mortgage lender ( trying to buy a new family home ), this debt is still showing a balance of {$760.00} remaining ( difference of what I settled my debt for ). In speaking with XXXX, they are stating that they did received the monies collected but have not received notification of the debt being settled and closed. They sent a request to the lawfirm to confirm on XX/XX/XXXX. As of XX/XX/XXXX, they have not received a response nor have they closed my account out. This has now been over 60 days since I paid this debt on XX/XX/XXXX and is causing me to possibly lose my new home and large deposit that I have placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I hired a usbank mortgage banker to give us a mortgage for a house we bought in XXXX California. Our mortgage banker recommended that we apply for a HELOC and use it to complete our down payment for our house. We told him for a period of XXXX months that we do not need it and we would be okay just paying the balance before escrow closes. 
At the day of the closing, my mortgage banker told me to go and get a check for {$29000.00} because the underwriter " goofed up '' and the HELOC will only be availbale After escrow is done. Even thought we did not really want the HELOC, we wanted to make sure it will have the promotional rate of XXXX % for XXXX months according to the flyer we received at the XXXX branch. After speaking to his boss XXXX, I discovered that a HELOC can not be used for a down payment. It is a good thing that we had the money and a personal relationship with the branch XXXX in XXXX to get that check only an hour before we were suppose to sign the escrow papers. 

Theses are the issues : ( XXXX ) We were told that we can use the HELOC for down payment. If we did n't have {$30000.00} in our account, we would have fallen out of escrow. 

( XXXX ) The HELOC rate we received was XXXX % instead of XXXX % on our statement. 

We were in escrow since XX/XX/XXXX because the house was in construction with XXXX, We supplied all the paperwork and payments over a period of XXXX months. We were always told that we should sit back and relax. At the last XXXX weeks of escrow, we were anything but relaxed because everything was going wrong. 

After we finally closed escrow and got the keys we thought it was all behind us but we were wrong. Not only the we did n't want the HELOC and we have multiple emails to prove it. We were told that we should get it and use it for the down payment, which we did n't want to do but we thought that the rate of XXXX % was great and allow us to have more cash in the bank to do necessary repairs on the house. Then, we found out that the underwriter goofed up and the HELOC was n't ready. So, we had to run and get a check for nearly {$30000.00} an hour before escrow meeting. a month later, we receive a statement with 5 % interest rate instead of XXXX %. Then, after speaking on the phone with XXXX, he told me that we could n't have used HELOC for down payment and he is looking into the matter. 

I feel that we were duped into getting a HELOC that we did not want or ask for.

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 2022-11-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my collection to Midland Credit Management on XX/XX/XXXX to their 3rd party lawfirm of XXXX, XXXX, XXXX XXXX XXXX. I was advised that the 3rd party lawfirm sent notification to Midland Credit on XX/XX/XXXX that my debt was settled for less than is owed. At this point Midland Credit was to remove the debt from my credit report as is their normal practice. Per my new mortgage lender ( trying to buy a new family home ), this debt is still showing a balance of {$760.00} remaining ( difference of what I settled my debt for ). In speaking with Midland, they are stating that they did received the monies collected but have not received notification of the debt being settled and closed. They sent a request to the lawfirm to confirm on XX/XX/XXXX. As of XX/XX/XXXX, they have not received a response nor have they closed my account out. This has now been over 60 days since I paid this debt on XX/XX/XXXX and is causing me to possibly lose my new home and large deposit that I have placed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I attempted to dispute the addresses on my file because I have never stayed at the locations they have listed.

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 2021-08-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a few inquiries on my credit report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a few inquiries on my credit report that I do not recognize

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 2022-11-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Cant open checking accounts with any bank because they say from my report on Chexsystems which has inaccurate negative info on there and I want it removed I dont have any negative history of check cashing issues because I never can cash a check either due to what is reported in my report and its not fair Ive been dealing w this for years now and no one ever helps me or tells me why

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 2022-11-17
Company: Experian Information Solutions Inc.
State: VA
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 been filing again this dispute to EXPERIAN as you claimed that it was not me who filed the complaint dated XX/XX/2022, with complaint no : XXXX, then you are mistaken because it is me who is filing this complaint again. Please consider this as my formal complaint against the inaccurate reporting from the bureau. 

I have also attached proofs of this complaint.

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 2017-03-27
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently shopped rates for a mortgage for a new home I purchased and closed on. I completed mortgage applications with XXXX companies ( XXXX Home Mortgage companies and XXXX traditional bank ). This all ocurred within 30 days. Now that I selected XXXX company and have closed on my new home, my credit score has now dropped significantly. The main thing I see that has changed is that my credit report showed an increase of hard inquiries from each of these companies checking my credit during the application process. I thought when you shopped for rates and actually closed on a mortgage that the credit bureaus would reflect this as 1 inquiry? Could it be that the whole mortgage process from application to closing took more than 30 days? I do n't think it is right that my credit score was negatively impacted by XXXX points. The Home Loan Companies I applied to are : XXXX XXXX XXXX Bank XXXX, RI the XXXX I used ), XXXX Bank, XXXX RI, XXXX XXXX XXXX XXXX RI, and XXXX XXXX. Multiple Inquiries came from a company named XXXX, XXXX, XXXX XXXX, and XXXX. 
I am happy to provide additional specific details upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: COMMERCE BANK
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This complaint is regarding Commerce Bank. I am a joint owner on my daughter 's student checking account. She transferred money through their mobile banking app at approx. XXXX on XXXX XXXX. It raised her " available balance '' by that amount. She then made XXXX debit card purchases online. Since it was after XXXX, the transfer was n't credited to her account until the next day, however, the debit card transactions that had been authorized but had not " hard posted '' counted against her immediately and they charged her {$10.00} to transfer the money from her savings account for " OD protection ''. When I called they told me had she not had OD protection she would have been charged XXXX overdraft charges. It seems unfair and deceptive for them to increase her available balance and make her think she can use her debit card and then charge her either an OD fee or an OD protection fee for subsequent transactions that are made using those funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After finally being able to regain access to my Chase account, I realized there were fraudulent transactions on my checking account totaling over {$2300.00}, starting XX/XX/XXXX and ending XX/XX/XXXX. I was physically unable to access or monitor my account, or receive statements from this company from XX/XX/XXXX to XX/XX/XXXX. I sent a letter to Chase Bank in XX/XX/XXXX suspecting fraud and asking to suspend the account, which was never acknowledged. I was finally able to file a fraud claim on this account in XX/XX/XXXX. Chase asked for documents to support my claim, which I then mailed and faxed. The claim was denied, I was told, due to the fact that the copies were illegible. I then resubmitted clearer copies, which were verified readable by Chase customer service representatives. One escalation representative agreed that this was a case of fraud, and resubmitted my claim. The claim was again denied, but this time due to time limitations. At each step of this process, through multiple phone calls, I was given different reasons why this claim was denied, varying from illegible documentation, a 30 day limit, 60 day limit, 120 day limit, and finally a 2 year limit. One claim representative recommended I take my claim up with the 3rd party that my funds were wired through ( XXXX, XXXX XXXX XXXX XXXX, and another representative told me it was my fault that my funds were accessed without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of fraud and identity theft, I have been disputing fraudulent accounts for years now. I have sent in police reports to each credit agencies and have not been successful in getting the fraudulent information removed. They have taken things off and put them back on again. I have done everything on my end to resolve this issue which is ruining me getting loans, a home and credit. This is a ongoing issue with the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have a common name and was told by XXXX. XXXX, and XXXX  that sometimes a name and social can be combined to report inaccuracies on somebody credit report. I've been going back and forth for over a year with three particular companies reporting a collection that isn't mine, nor will they show any proof or validation it is mine besides saying its validated. no proof of signature or anything. also when i try to apply for new things i always get that my identity can be verified. its very frustrating to keep going thru this with all three credit bureaus about things that are not mine. everything else on my credit is completely fine but these things. 
XXXX XXXX XXXX XXXX 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