BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: EQUIFAX, INC.
State: IN
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:
After sending information to verify myself with my disputes, as of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. Equifax has violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail. Please see items below Equifax ACCOUNTS XXXX XXXX late XXXX XXXX late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS  XXXX {$79.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX   XXXX XXXX {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and my loan is serviced by United Wholesale Mortgage. 
My loan number is XXXX. 

I have previously made a complaint regarding United Wholesale Mortgage, different than this one. 

Because I made the complaint on CFPB website and also closed a loan modification agreement with the investors ( XXXX XXXX ) for a lower interest rate than the one offered by United Wholesale Mortgage, the mortgage servicer provider ( UWM ) RETALIATES against me. 

They have OVERCHARGED my ESCROW account by applying {$9100.00} that represents a full amount for the entire billing cycle for a year starting XX/XX/XXXX. I repeat starting XX/XX/XXXX, a full year ESCROW shortage for a SHORTAGE that doesn't exist but " will eventually exist starting XX/XX/XXXX " ( according to their absolute misleading escrow analysis ). 
My payments have been established through the loan modification contract and already includes the payments for the ESCROW. 
Before we closed the contract, UWM have sent me a letter ( same letter they sent to the investors- please see attached ) in which is clearly specified the monthly payment of {$1800.00}. 
This payment includes : Principal & Interest {$1100.00} + ESCROW : {$710.00} + Monthly escrow shortage : {$46.00}. 
I have agreed to pay this. 
After we close the contract for the loan modification and made my first payment of {$1800.00}, United Wholesale Mortgage made another " ESCROW ANALYSIS " by which reflects that starting XX/XX/XXXX my ESCROW ACCOUNT will have a SHORTAGE of {$9100.00}. 
Reason why they have divided this amount to 12 months and they add to my monthly billing starting XX/XX/XXXX another {$760.00} for the " XXXX XXXX ". 
The TOTAL now for a month is {$2600.00}.

Can you just imagine this? : They charge 2 years AHEAD for the ESCROW SHORTAGE that didn't even occurred. 
Why do we still have a loan modification agreement if they can do whatever they want and charge years ahead whenever they want? 
Who stops this company from abusive practices against me? 
If they did an ESCROW analysis in the beginning, why did they do another one AFTER we CLOSED the contract? 
Is this legal? Is this abusive practice industry standard? 

My understanding is that I can be required to pay a part of the estimated annual total in advance, but no more than a maximum of XXXX of the total. 

Moreover, UWM is hiding this particular bill dated XX/XX/XXXX by which they have OVERCHARGED THE ESCROW ACCOUNT. 

THIS PARTICULAR BILL WAS SENT TO ME BUT IS MISSING FROM THE ONLINE DOCUMENT CENTER. - please see attached. 

WHAT WOULD YOU DO BELIEVE IF YOU WERE IN MY SHOES?! 

Please STOP retaliating against me! Please STOP the constant abuse to OVERCHARGE me! 

Please understand that I am a human being and you are INJURING ME IMMENSELY BY YOUR ACTIONS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1400.00}

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 2022-04-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have disputed items with all three credit reporting agencies and the investigation took well over 30 days I was never notified of results or status of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Prosper Marketplace, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I applied for a loan with prosper last year for the amount of XXXX to do home remodeling. 

After making all of my payments on time, I decided to change my payment due date because of the XXXX and XXXX XXXX  unexpected expenses. 

They agreed to change the date from XX/XX/XXXX to the XX/XX/XXXX the following month. 

They errouniously took the payment out on the XX/XX/XXXX any way after we agreed to change the date to the XX/XX/XXXX. 

The payment caused me to have to pay over draft fees that they refused to reimburse to me. 

I eventually made my payment the next month and they would not waive the fees and they did no honor the skip a payment that we all agreed upon. I do have emails showing proof. 

Therefore they sent my account to a collection agency when it was not ever 30 days past due. 

By any rate I have still made my payments to prosper because I'm not late nor did I sign a contract with any other company. 

As a way of getting back at me and causing me to have bad credit they did not debit the money from my account when I paid my bills on the XX/XX/XXXX and XX/XX/XXXX. on time. For the XXXX debit they took the money out 3 weeks later after I called them to find out what was going on. 

When I checked my credit report they are reporting me as 30 days past due erroneously. 

I tried several times calling and emailing them and they have not returned my call. 

Please assist me in this matter because I feel that they are deceptive loan sharks.

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 2022-08-23
Company: EQUIFAX, INC.
State: NV
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXXXXXX out of XXXX XXXXXXXX. My clients job has been done for several months, has passed local building department and also the third party inspection required to release final funds from LoanCare. They will not release the funds. It is a constant resending docs to them I already sent, everyone comes up with a different reason why. Why are they holding our money. We are trying to be very nice and patient but its been months. Today we call. Again its another doc this time I se I already sent it to them XX/XX/XXXX. So cant use that anymore. I ask for a supervisor. They send me to a Resolution Department. There its the same story. I ask for a department manager. She puts me on hold for 20 mins! Never came back to say Sorry just a bit longer. No. I wasnt given that respect. She comes on and says she was in unable to get a supervisor. I ask her name sue says XXXX XXXX. I ask for her managers name. She doesnt answer me. Starts typing quicklysilence. Im like hello. Shes mumbling ohh I dont know I have to see who will call you. Theres several. Im trying to see if I can even do that. So she claims someone will call. Theyve done this before. No one calls. This was today XX/XX/XXXX XXXX XXXX XXXX time. The complaints about LoanCare online are real. We work with mortgage companies all the time. I have never seen a company act so ridiculous rude and make up reasons why not to give out funds.

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 2022-08-02
Company: EQUIFAX, INC.
State: PA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$26.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: WA
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
American Express continues to ding my credit report for delinquent account, sometimes multiple times a month, even though a settlement has been reached and payments are being made pursuant to the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Dear Sir/madam. My name is XXXX XXXX XXXX owner of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Was a victim of an email Fraud in which case the fund went to XXXX XXXX. I have been trying to get this money back since XX/XX/2022, XXXX XXXX XXXX XXXX is holding this fund. I have been communicating with these 2 gentlemen below. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Sr. Vice President Sr. Area Security Manager Ofce XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX Fax XXXX XXXX XXXX XXXX XXXX XXXX. 
And also, in chase Bank from where these funds were transferred, Chase business Relationship Manager XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX Spoke to XXXX online fraud claim specialized Chase bank XXXX XX/XX/2022 New call come from Chase Claims XXXX XXXX EXT XXXX CHASE CLAIMS # XXXX XXXX XXXX XXXX XXXX Tel XXXX XXXX XXXX XX/XX/2022 XXXX XXXX : XXXX TAX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I took out a vehicle loan with BMO bank in XXXX. The car was registered to XXXX  and I registered it in XXXX to XXXX. In XXXX I fully paid off the loan receiving the attached thank you letter and Illinois title for my car. 

Two years since paying off my car, I'm told I can not renew my plates because my cars title is registered in Wisconsin and the title in my hands is void. The Illinois DMV only had so much information saying this new Wisconsin title was created in XX/XX/XXXX and that BMO was attached to this creation somehow.

Now my plates are expired while I'm running around between XXXX  DMV, Wisconsin DMV and BMO essentially stuck in a circle of every place blaming someone else.

XXXX  has stated that because BMO at some point requested a title back in XXXX it overpowers the new title I had made that has been valid for the past XXXX  years. The reason it took up until this year to be published was it just updated in the " national database ''. 

Currently XXXX  is in the process of trying to void the XXXX  title for me so it will make my XXXX  title valid but the expenses are piling on as I don't have my own garage and the parking lot tows expired plates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I filed a claim for {$2900.00} for travel insurance with Chase for travel costs I purchased with my credit card but had to cancel due to sickness. I filed the claim on XX/XX/XXXX. The claim process was dragged out due to terrible customer services, response times FAR beyond what was promised, and general incompetence. I repeatedly had to call in order to get my claim reviewed. I was finally told a check had been sent on XX/XX/XXXX. I called on XX/XX/XXXX when that check still hadnt arrived and asked for direct deposit. I was told that was impossible and that I had to continue waiting for the check. The companys website says checks will be delivered in 7-10 business days ; the customer service rep I talked to today said that never happens. Apparently, I was lied to about not being able to get a direct deposit because that was suddenly made available today. I still have not received the money and have ZERO faith in the company providing it in time. Throughout this, Ive had to pay interest on the money that Ive been seeking to get disbursed to me on my credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: IL
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 to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX, XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
1. On XX/XX/XXXX check written by me to XXXX XXXX XXXX For {$120.00} for XXXX XXXX XXXX to be delivered to XXXX XXXX XXXX. I have done this once before. 
2. I discovered on XX/XX/XXXX, that the check had been altered to {$420.00} and spoke to my banker in person who filed a claim that he faxed in that day to the bank. ( " Declaration of Unauthorized Endorsement or Altered Item '' ) 3. I received a letter from Chase sent XX/XX/XXXX asking me to fill out more information about the claim which I then sent in by mail to the XXXX XXXX office. I filled in the information that it was an altered check. Sent by mail on XX/XX/XXXX. 
4. On XX/XX/XXXX I received a second letter asking me to send in the same information as I sent on XX/XX/XXXX. I resubmitted the " Declaration of Unauthorized Endorsement or Altered Item '' form by fax on XX/XX/XXXX. Also received a letter confirming that my old account had been closed ( at my request ) to prevent further fraud. A new account was opened. Called XXXX and was told that the form was received. I filled in the information that it was an altered check. 
5. On XX/XX/XXXX I called and was told it was still pending. 
6. On XX/XX/XXXX I called my banker and was told it was still pending. Chase said the claim was started on XX/XX/XXXX and it would take 90-120 days to process. I said I would check back after XX/XX/XXXX. 
7. XX/XX/XXXX I asked my banker to check on the claim and she said she would call me back. 
8. XX/XX/XXXX banker called to say that the fraud department had not received the " Declaration of Unauthorized Endorsement or Altered Item '' form that I have already sent in three times - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I gave a her a copy of the form that was previously filled out. I asked for a meeting on XX/XX/XXXX with the Branch Manager.

9. On XX/XX/XXXX I left a message for banker and the Chase Branch Manager about when our meeting would be held. Also called the fraud claim number again at Chase, and was told that they were still awaiting a response from XXXX  XXXX XXXX ; if they don't hear from XXXX the claim may never be resolved. Then I called California Department of Financial Protection at XXXX who referred me to Office of the Controller of Currency ( XXXX ). I filed a complaint online with XXXX on XX/XX/XXXX. XXXX {>= $1,000,000}. I also filed a complaint online with the XXXX XXXX XXXX the same day. 
10. On XX/XX/XXXX I submitted a complaint to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Hello I reached out to you all regarding a Bankruptcy being reported on my credit report. You all responded " The information provided to us through third party has been verfied to be accuarate and correct '' as a result this remains. 
Well this happned 8 times so i reached out to pacer and got a copy and the address below does not belong to me so the statement " The information provided to us through third party has been verfied to be accurate and correct '' Is neither accuarate or correct and you are violating my rights by failing to verify the information and refusing to delete negative inacurate information. 

I have included a copy of the findings

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022 I was booking flight on XXXX XXXX. Citi Bank AAdvantage Platinum select card had a promotion stating that if I applied for card, and was approved I would get XXXX dollar credit on statement if I used new approved card to pay for current flight I was booking. I was approved within minutes and received confirmation email. However when I went to pay airline fare I had no credit card information to pay for ticket. I called XXXX XXXX and they said Citi Bank should provide temporary number since, in order to get the promotion I had to book using new card. I called Citi bank and they said I should have gotten email with temporary number in order to book flight and received promotion award. While received email confirming approval, I did not get email with temp number. Citi Bank rep XXXX informed me that temporary numbers are sent via automated system and that there was no way to manually send temp. number. She said I would have to wait 7 days for card. Obviously this would not work because I can't hold flight reservation for 7 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