BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
there is an incorrect item on my credit report i have disputed the item Transunion came back as saying it was previously disputed and they refuses to investigate the incorrect information

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 2022-04-08
Company: EQUIFAX, INC.
State: FL
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 2021-03-16
Company: UNITED FIDELITY FUNDING, CORP
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
After our application was approved, we were ready for an appraisal. Our first appraisal did not pass based on the type of loan we were trying to get. The company told us we could fix everything that the appraiser called out and have a reinspection done. We were ready for a reinspection and after the mortgage company took our payment for that reinspection before it was even scheduled, the mortgage company proceeded to inform me that they can no longer use the closing company we had picked out to use. They refused to let us close with the closing company we had originally picked out and were going to make us choose a different company. I was advised by an attorney that they can not legally refuse to use the closing company we had planned to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: JMAC LENDING INCORPORATED
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We had been approved for a 30 year jumbo mortgage with XXXX XXXX. XXXX XXXX from XXXX XXXX  ordered an appraisal and an appraisal was done. Before the appraisal was submitted, after all the work on it was completed, XXXX XXXX cancelled the appraisal. The appraisal company charged us {$750.00} for the appraisal and said we can get a refund of only {$150.00} because the appraisal was done. XXXX   XXXX  stopped the appraisal because they decided after lock and approval, even after ordering the appraisal that they were temporarily suspending Jumbo mortgages. They then indicated we could start again and accept a higher rate if we would like. Choosing not to honor the 3.375 rate and switch us to a 4.25 rate is wrong as we had a lock and there was still 2 weeks left  on it at the time. This disposition is simply fraud and proven by the fact that we can continue with them right now at a new higher rate. We are out {$600.00} and feel violated. This is unethical! We have proof and a paper trail for all of this. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have no knowledge of this account and it does not belong to me. This is a fraudulent report 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 2021-03-16
Company: GUARANTEED RATE INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have spoken with the representative for guaranteed rate with no positive results. this company was very negligent and handling my loan process which called me to lose XXXX and to lose the home that I was trying to purchase. they would wait until the day of clothes or one day before close and continue to ask for a documentation that I sent in to them every single time. They would wait 3 to 4 days after sending information in and I would not hear not one single thing from them until the day of close. There was no way I could close on a house being contacted by the mortgage company the very same day asking for more information. They continued this same procedure 3 weeks straight and the seller canceled the contract and I was not able to buy the house because of them not handling my case properly. They would not terminate the loan because the money was apparent but they held the loan over the time period that it should have been held and the seller wanted out. We would call them on a Monday to ask do you need anything additional because we're trying to close on this house by Friday. they would contact us either Friday morning or Thursday evening asking can you send other information in. Doing things in that matter we will never able to close because they kept making up different documents that they said they needed. Guaranteed rate cost me {$5700.00} I lost in earnest money appraisal money and inspection money and most of all I lost my dream house. And they have shown no remorse or no sympathy towards me and my wife losing this house which was their fault. I would like to be refunded my money lost and we are staying in a hotel right now because our lease was up on the house that we were living in. All of this is their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: OK
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:
File # XXXX date issued XX/XX/XXXX consumer credit report for XXXX XXXX XXXX page 1 of 8 and next File Number : XXXX page 3 of 8 pages : and next File Number # XXXX. Page 6 of 8 pages and date issued was XX/XX/XXXX and next File number # XXXX and date issued was XX/XX/XXXX and file # XXXX & page 7 of 8 pages and dated on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax, XXXX, and XXXX are all the three companies 1. Payment History : XXXX XXXX XXXX XX/XX/XXXX was not late 2. Payment History : XXXX XXXXr credit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported late payments which is inaccurate because the dates were not late according to the agreement 3. Payment History : XXXX XXXX XXXX XXXX never late ( account closed ) 4XXXX XXXX service XXXX XXXX {$320.00} XX/XX/XXXX was not my account and I'm not sure why its open because its not to my recollection. 
XXXX. XXXX XXXX XXXX XXXX XXXX {$100.00}. not my payment they XX/XX/XXXX XXXX they mentioned my account was paid in full. 
XXXX. XXXX XXXX : XXXX opened XX/XX/XXXX balance {$9600.00}. never late 7. XXXX XXXX : XXXX opened XX/XX/XXXX balance {$2600.00} never late 8. XXXX XXXX : XXXX opened XX/XX/XXXX balance no balance never late 9. XXXX XXXX : derogatory {$550.00} not my account I have XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Meridian Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill for {$4100.00} on a non-existent timeshare account on XX/XX/XXXX. I immediately sent it to my attorney. My attorney wrote to them asking for proof of debt. On XX/XX/XXXX, nearly a year later, they wrote back to my attorney, not with the requested information but showing a new balance of {$2800.00} and an offer to " settle '' for {$800.00} as a " gesture of good faith. '' I do not owe this debt and they are unable to prove I do owe anything. My attorney said that the fact they responded not with proof of debt but another " offer '' to settle is a violation of consumer protection law and subject to a {$1000.00} fine and inability to have them contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: EQUIFAX, INC.
State: MS
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal has made it impossible to access my money but VERY easy to deposit. I had direct deposit with Navy Fed where I also have stimulus checks deposited. They locked me out of accessing my acct online and only can access by calling or going in person. However because in Texas it has been impossible to renew drivers licenses because of XXXX, I have not been able to access in person either. Now they have frozen my ability to access my money and claim it is a security risk. I have brought my birth certificate, multiple credit cards, and other IDs but they refuse to even acknowledge I am standing there. The Managers won't talk to me and constantly tell me to " go figure it out ''. Complete and total fraud on their part with NO ONE willing to help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My last direct deposit was not released on time. My current one has yet to be released. CHIME has claimed that they do not hold on to funds but release them as soon as they receive them when I try to reach out about my issue, even when I explain that all of my coworkers without their bank have received their direct deposits. I truly find it hard to believe that my workplace would hold funds of CHIME account holders and not for others. Additionally, one can see reports on social media where users have reached out to their payroll team and was informed that their pay was released to the bank so its up to them to release the funds to the users.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My stimulus money was deposited on XX/XX/21. American Express Bluebird  will not allow me to access my money at all, I can't spend or withdraw any of it. I've tried calling customer service but all they do is hang up on me. They seem to be doing this to everyone that received a stimulus payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian deceptively led me to give my CC for charging to me credit report. They did not give any information on the service they are providing and how and which number to call to cancel, or that they have charged my CC. Their WWW deceptively gives information forcing you to give your CC as if it is required to give you the credit report and then without notice they charge your CC, Request made to cancel the service is very aggressive. Calls are dropped, that 's what happened to me and they refused to refund me later call, when I saw the charge on my checking 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 explanation
Consumer complaint received 2022-04-09
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
UAS is fraudulently collecting interest on Perkins loans by delaying payment due from the legally required repayment start date of 9 months from graduation to 10 months. I paid my daughters Perkins loan off on the date that UAS said payments were due. Her loan was due XX/XX/2022 but UAS said payment wasnt due til XX/XX/XXXX. After paying loan in full on due date XX/XX/XXXX I had a remaining balance due of {XXXX}. I finally got the interest removed. But this company needs to be investigated for illegally deferring payments by one month to help themselves to interest they are not entitled to. How many thousands of borrowers are starting off in the hole before a payment is even required? They are thieves and this is criminal and they need to stop this practice and be held accountable. The US department of Education needs to be made aware of this also.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: Green Square Company LLC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a new phone number out 5 years ago. Apparently someone named XXXX XXXX had the number before me. So for the past 5 years I have been getting calls from many credit collecting companies. I would explain to each company that would call me what was going on and to please remove my number from there calling list. They all said yes they would do this. But all they did is sell it to the next credit collection company and the next company would start calling me. I realize that I can send a company a letter to stop contacting me. But they will just sell my info to the next company and the saga continues. 

Thanks XXXX

Company response to consumer: Closed
Consumer complaint received 2016-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I contacted experian because XXXX XXXX XXXX is reporting a incorrect anount. Requested removal and its still reporting. XXXX states XXXX and should be XXXX. Its also being reported by XXXX companies

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: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
O n   XXXX   XXXX  , 2015 I  was approved for a auto loan through a subprime len der (   XXXX   XXXX   XXXX   ).  I excepted the terms and paid the {$20000.00} debt off a year later. On    XXXX   XXXX  , 2015 s omeone had my information a fraudulently got approved for another auto loan with  XXXX   XXXX   XXXX  out of California. I 've disputed this item of which I did not authorize with Eq uifax Information Services LLC  and  XXXX   XXXX . They have both refused to make corrections and delete this account. I 've filed a police report and did everything that both companies asked of me and it 's still on my credit. As a result my credit score is down  XXXX  points and I 've been denied a mortgage. I ask that further measure 's be taking and that this account is removed as well as my score to go back up to a  XXXX  score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing a dismissed bankruptcy that's on my credit reports since XX/XX/2020. I have disputed a 2nd time as well with all three bureaus on XX/XX/2020. I still have not received a response from them! This is unacceptable! XXXX, TransUnion and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

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 2016-12-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian has placed 2 unknown entries on my credit from a collection agency company called XXXX back in XX/XX/2016. I have disputed the validity of the debts because I know nothing about them or whom they belong to.The accounts were removed and the following month ( XX/XX/2016 ) and Experian placed the accounts back on my credit. I was never notified by the original creditor nor have I ever been contacted by XXXX. I have also sent XXXX certified letters and I have been ignored. I am so depressed because the unknown accounts have damaged my credit score and ruined my chances of obtaining financing that I desperately need to help my family and I move forward.

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 2015-07-09
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Last Fall I discovered two " hard '' pulls on my Experian credit report, from a business by the name of XXXX XXXX XXXX. I never had any dealings with the company, and they never received my authorization to pull my credit. Because XXXX XXXX XXXX never responded to me directly, a Better Business dispute was filed in addition to complaints with both the XXXX and XXXX Attorney General 's Offices. 

Experian responded to the BBB dispute, and removed the two hard pulls in XXXX. For some reason these hard pulls were put back on my Experian credit report last month, and they should not have done so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: VA
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:
Experian XXXX is reporting the wrong mileage for my vehicle. They say its XXXX when its really around XXXX. Their wrong information damaged the value of my car. They refuse to change it without me providing evidence from a service shop. This would require me to spend money to fix their inaccurate data.

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 2022-04-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
USAA refuses to honor my VA home loan. They say it's because of my credit, that the VA won't allow it, yet I hold my certificate of eligibility IN MY HAND. They also claim my credit score is significantly lower than what EVERYONE is telling me online.

I went to all this trouble so that my bank, that supposedly services veterans, can refuse me service for 10+ years.

The fact that these lenders use what is essentially hearsay to determine my eligibility is sickening to begin with, but is somehow accepted. 
I'm XXXX, gave XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX supposedly in the name of freedom. I FREAKING DESERVE MINE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
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: Information belongs to someone else

Complaint:
Good afternoon, I am very concerned because i believe my information was stolen due to identity theft. Around XX/XX/2021, I pull my credit report through a website called free annual credit and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. Today XX/XX/XXXX, I went to the FTC website and submit an identity theft report. The credit bureaus seem like its impossible to get stuff fix with them.I am fully aware of the laws regarding fraudulent accounts on my credit profile. I have attached the FTC reports, A copy of my social security number and my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my 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