BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2021 I went to a Chase ATM to withdraw {$760.00} from my Chase Checking account, but the ATM did not dispense my funds and still withdrew the {$760.00} from my account. I called Chase in the morning and they opened a claim then they said that they would issues a temporary credit, but they issued it and they rescinded the credit causing insufficient funds charges to be added. I called again and they said it would take 30 days for the claim to be resolved and that they temporary credit would show back up. They also said that if there is not enough funds in the account that those charges, and any other future charges, would be returned to the merchant. That was the last of my money for the entire week, I need to buy food with that money and, more importantly, I do not have the funds to cover my current and upcoming payments which will cause returned item fees with the other merchants.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For several years I have not been able to get a FREE credit report from XXXX and Transunion. Every time I ask I get a different reason for not allowing me to see my credit report that they have on me. One of the reasons is that Transunion has false information that they will not divulge nor allow me to challange.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I am working with the borrower on a short sale with Nationstar Mortgage. The lender is pushing the short sale into an auction site called XXXX but utilizing this site has been very stressful for the seller. He is an elderly man with health issues, he and his family have been continuously harassed by people, brokers and lawyers but Nationstar refused to bypass the auction. There is already a buyer involved and there is a legitimate offer on the table which we are trying to have reviewed. This auction site is very inconvenient and is technically not an investor guideline to review short sales.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 120 ) days past due on the DPT ED/XXXX accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2018-12-03
Company: Bread Financial Holdings, Inc.
State: ND
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:
Had credit card with XXXX, had good credit, and when they filed Bankruptcy, it was noted that it was derogatory on my be half! I had long good standing with the company! It should not be a derogatory statement on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a compliant a few years ago and these accounts just showed up again that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have been reaching out to the credit bureaus in regards to my credit report since XXXX. They have not responded to any of my disputes. I have sent mail and faxes. They continue to ignore my requests.

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 2015-03-26
Company: The CBE Group, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The phone number calls me at least XXXX times a day everyday, then starts to call me from a different phone number right after the XXXX call. They never leave message. XXXX call is always around XXXX and I get calls all through out the day with NEVER any message. When I look up the number it says it is a collection agency CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX 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 2021-01-06
Company: EQUIFAX, INC.
State: LA
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:
Last XX/XX/2020 I've sent disputes for those unknown and inaccurate accounts that I found on my credit report. It cause me stress because it's almost 90 days now but I haven't received any response. I demand for the deletion of those inaccurate or unknown accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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:
XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute all file to the ftc violations that occurred

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 2021-01-06
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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:
This car had mechanical issues worth more than the car was worth. I advised the lender to come pick up the car in early XXXX. They are still reporting this loan as open and not showing it as a repo ( whether voluntary or not ) they are currently reporting different statuses depending on which bureau report you look at. One says im 120  days past due the other says 180 days past due. The last reporting isn't even correct as its from XX/XX/2020 and we are now in XXXX. I have tried to resolve this via the credit bureaus/ creditor to no avail. 

They are reporting current late payments which makes it look like I am STILL neglecting to pay on a open vehicle which is not the case. the payment history is also all over the placed. according to the FCRA all reporting should be accurate and up to date, which this account shows neither. 
It shows I have a current payment due and I do not. 

I am requesting that the company remove this account from my credit as the damage they are doing with conitinually reporting these super past due payments and that is highly damaging to 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
Consumer complaint received 2022-10-11
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2022, my credit limit was changed to {$1200.00} ; however, before this change my credit limit was {$1500.00}. On XX/XX/2022, my current balance was {$1300.00} and I made a {$100.00} payment. Then, I made a {$310.00} payment on XX/XX/2022. On XX/XX/2022, my available credit was at {$500.00}. Abruptly, the current balance changed to {$990.00} and my available credit went to {$200.00}. On XX/XX/2022, I called to get some clarity about this and was told my credit limit was reduced to {$1200.00}. Since, my credit limit dropped to {$1200.00} and my credit limit was at {$1200.00} at the time. I was over my credit limit. The {$310.00} that I sent went towards the XXXX. Barclays representative said I was over my credit limit. The reason I was over my credit limit is because Barclays dropped my credit limit under my credit limit even though Barclays knew the new credit limit would put me over the credit limit.

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 2015-07-01
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I began a refinance process with Quicken Loans. They are my current mortgage holder, and I refinanced a year ago with them. I was told at that time that if interest rates changed, that I would be able to refinance again with no costs. So I started the qualification process with them in XXXX 2015 I believe.. What happened over the next two months was inexcusable. In summary, Quicken destroyed my credit rating with their excessive Hard Inquiries on my credit report. XXXX in one day in fact! My credit score went from approximately XXXX to XXXX in a matter of weeks. I took out no new credit, In fact, I paid down my credit cards. I have spoken to them numerous times about this and they deny any responsibility for the steep decline in my credit score. Yet the data from XXXX XXXX tells the entire true story.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: SC
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 have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts 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 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 recently sold a home that was for sale through a divorce. It was on the market for about 3 years. I have been waiting and waiting so I could buy a home for my grandson and I. 

Just Monday, my account showed closed and paid on my Transunion credit report. I belong to XXXX XXXX, so I monitor my credit sometimes daily. I also noticed on Monday, my score dropped 45 points!!! On my Transunion report, the reason it showed was my Mortgage account was paid off. That seemed incorrect obviously, so I called on Tuesday to speak with them directly because I am trying to buy another home and this is going to impede me from being able to do so. 

When I spoke to them, they told me that with my mortgage, I had a " good mixture '' of accounts and now I only had credit cards and an auto loan. Also my mortgage account was 15 years old, so now that my mortgage had closed, my other accounts weren't as seasoned. 

I explained a FICO score dropping that significantly would be suggestive of a foreclosure ... ... my home was PAID OFF. I don't have collections, all of my accounts are in good standing ... ..I told him this was ridiculous and I wanted it taken care of. He told me the only thing they could do for me was to send me a free copy of my credit report. 

Last week I was offered a refinance for my car at 4.9 % and now that offer has changed to over 7 %. I explained to the guy that now Transunion is costing me money and in control of the interest rates I am charged all because I did something great and paid my house off!!! That doesn't make any sense. How many other people are they keeping from purchasing homes or vehicles? How many other people are being overcharged in interest because the credit bureaus are being able to determine their credit score unfairly?? 

This can't happen ... ... this inhibits our economy, our lives, and keeps us from being able to save money. This is unfair, deceptive, and fraudulent business practice.

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 2022-10-11
Company: Fay Servicing, LLC
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in the hospital majority of XXXX and laid off due to XXXX. I was not aware of servicing transfer to Fay Servicing. When I became aware I found out my home had a foreclosure sale date of XX/XX/XXXX it was less than 37 days of foreclosure sale date. I have tried to speak with servicer but they are not willing to work wit me at all. I have submitted a complete application as of today and the are refusing. They never guided me on where to find an application nor sent me anything but mortgage statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I live in Colorado. Someone stole my Dillard 's card and they sent me a letter telling me I owed him XXXX+ dollars. I called them and told them I live in Colorado and they told me the charges were made in Florida. I filed a dispute with them and sent me a letter saying that it was a valid charge. I phoned to ask why and they said of the XXXX signatures they have from me and the other that they are similar. After that they called to harass me to pay it at XXXX and XXXX. I have XXXX recorded voice mails they left at those times.

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 2015-10-12
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
On or about XXXX XXXX, 2015, I received an email regarding refinance of a mortgage. I provided contact information. The first company to call was from XXXX, CA. Since I had gone to a master 's degree program for a year in XXXX, CA, I had a nice conversation with the caller from Loan Depot. The XXXX company to call was Quicken. I was aware that Quicken advertised themselves as being Highest in Customer Satisfaction by XXXX XXXX XXXX. I received an email from XXXX XXXX of Quicken on XXXX XXXX, 2015 saying he would be my Home Loan Expert. I sent XXXX XXXX an email on XXXX XXXX, 2015 saying that I needed immediate answers by XXXX the next day. XXXX XXXX called and offered my nothing more, except absolutely outstanding service. I went with Quicken on this promise. From the start, virtually all of the communications from Quicken went into my Spam folder. I did not have this problem at any other time and it was a distraction. Throughout the process, XXXX XXXX and XXXX XXXX XXXX, my Client Care Specialist, were out of the office infrequently. XXXX XXXX had XXXX people contacting me in her absence. A major problem with Quicken was their inability to obtain documentation from my condominium company on my development being an over XXXX community. Two or three times, Quicken asked me for contact information on the condominium company. I gave them the link on each occasion. After quite a while, Quicken then changed their request asking me if I had a copy of the bylaws. They asked me if I had the documents and asked me to obtain them from the condo company. Let me state at this time that I chose Quicken because of the personal commitment of XXXX XXXX to provide outstanding service. I purchased my condo about 4 years ago on a 30-year mortgage. I am XXXX years old. I decided it would be good to pay off as much of the condo as i could before i passed. This would make it easier for my wife. XXXX XXXX had people substituting for him and XXXX XXXX had person filling in for her. It made for an unsatisfactory situation. I provided all the information requested on an immediate basis. At the time I opted out of my loan, the bylaws issue was not being acted upon. Quicken asked for a deposit of {$500.00}. They returned {$120.00}. I would like to have my {$370.00} returned because of poor performance. I certainly did not need to have my credit checked ( which they did not include as a requirement ) or to have an appraisal. Quicken does not require a deposit today. Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation