BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-28
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a XXXX credit card, I was making monthly payments online till XXXX month the payment did not credit my account, I do n't know why. After that XXXX started adding monthly fees even after I told them I made the online payment. I 've been paying what I can {$50.00} every month but still they do n't stop adding late fees and calling me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This complaint is regarding an old XXXX XXXX Account in the amount {$3700.00}. This account was first reported in my credit report by both XXXX and Equifax agencies as far back as XXXX or earlier. In XXXX, the account was removed from my credit report by both agencies, having been over seven years. 
However, in XXXX, I discovered the account has reappeared in my credit report. Immediately, I disputed the reappearance of the account in my credit report and no action was taken by the two agencies. A few months later, I repeated the dispute and still no response or action taken. 
Please my question is whether the Transunion and Equifax agencies can report an account of this type again after its first initial seven years of reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
My wife and I have a credit card with Chase ( in her name ) that had a {$9000.00} credit limit. We own a few small businesses and we needed a credit card to make some purchases and gave the card someone in our office to make the purchases. We told them to use the card until it reaches its limit. We expected the card to stop working when it reached it limit at {$9000.00}. Instead {$24000.00} in charges were approved. This is ok with us. We were investing into something and actually happy {$24000.00} was approved. 

Why we are complaining is that Chase now is reporting my wife as 245 % over her credit limit. This is not right if the limit was {$9000.00} the should not have allowed the account to reach {$24000.00}. We asked Chase to consider increasing the line to {$24000.00} or more than {$9000.00} and they have declined the application because this account is 245 % over its limit. Catch 22 basically if you can call it that. 

All we ask is they report the card as at its limit not 245 % over its limit. They refuse and now my wife 's credit score is poor when before it was good.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: SecurityNational Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
The loan officer XXXX XXXX with SECURITY NATIONAL MORTGAGE gave a pre-qualification for {$230.00} to buyers making a little bit over XXXX p/year. Once under contract and within 2 weeks to close escrow she gave a denial letter saying that the buyers did n't get approved because they do n't get paid by the hour as they told her but they get paid by piece. She had the XXXX and paycheck stubs from the buyers since the day they applied for the loan and it 's very clear that they are getting paid by piece. She lied to the sellers agent by saying that the buyers lied to her and when she realized that the buyers were going to lose their earnest money for being dishonest she back out of her story saying that it was their supervisor who miss-informed them and that they did n't know that they get paid only by piece. However it is very clear in their pay check stubs and XXXX how they get paid.and how much. If she were to look at those documents for one minute she would realize that they do not qualify for a {$1500.00} monthly payment when between the XXXX of them have made {$21000.00} this year and it is evident ( on the paycheck stubs and XXXX ) that they get paid by piece not hourly. Her negligence cause the seller to lose XXXX other offers that were submitted for the house and has created a big hardship as she needed to sell her house right away to comply with other obligations. Because of her negligence the buyers lost money having an inspection done on a house that they were not going to be able to buy as in reality they do n't qualify for a hose in this price range. She gave a pre-qualification an issued XXXX XXXX saying that the buyers were approved for this loan when the reality is that they were never going to be able to purchase the house they were under contract.

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
Consumer complaint received 2016-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX and XXXX my Transunion reports from XXXX XXXX showed no inquiries. 
This was a glich in TransUnions site, on XXXX they all reappeared, I was never informed the 5 days per FCRA section 611 by TransUnion, I called on XXXX and spoke to XXXX in the Special Handling Deparment, informed her of the information and asked for the inquiries to be deleted. She stated no. TransUnions glich was not in my control and now that they have broke the law and affecting my credit negatively they do not want to do what is right ( per law ) since they broke it. Please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My current legal name is XXXX XXXX, and my current occupation is XXXX. I am presently XXXX years old, and my current address of residence is XXXX XXXX XXXX, XXXX XXXX, California XXXX. 
MY DISCOVER CARD account ending XXXX ( XXXX previous card ). WAS USED IN XXXX  WITHOUT MY AUTHORIZATION. THAT WAS A FRAUD. 
I, XXXX XXXX ( " Affiant '' ), who first being duly sworn according to law, does depose and state : That fraudulent transaction ( s ) ( original or certified copy attached hereto ) was not endorsed, signed, authorized, ratified, either expressly or by implication, by Affiant or with the Affiant 's knowledge or consent. Affiant did not receive or retain any benefit or value from the transaction ( s ), either directly or indirectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX : TransUnion is reporting a status of 60 days late, XXXX  is reporting no late payments and XXXX  is reporting a status of 60 days late, XXXX : TransUnion is reporting a status of 120 days late, XXXX  is reporting a status of 180 days late, XXXX  is reporting a status of 120 days late. The following accounts do not belong to me and should be removed from my credit file, U S Dept Of ED/XXXX Account Number XXXX TransUnion is not reporting this account, XXXX  and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX TransUnion is reporting an  opened date of XX/XX/XXXX, XXXX  is reporting an opened date of XX/XX/XXXX, XXXX  is not reporting this account, XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX  and XXXX  are reporting opened dates of XX/XX/XXXX, U S Dept Of ED/XXXX Account XXXX XXXX TransUnion is not reporting this account, XXXX and XXXX  are reporting an opened date of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX TransUnion is not reporting this account, XXXX  and XXXX are reporting an opened date of XX/XX/XXXX, XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX  and XXXX are reporting opened dates of XX/XX/XXXX, U S Dept Of ED/XXXX Account XXXX XXXX TransUnion is not reporting this account, XXXX  and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX  XXXX XXXX  Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX and XXXX  are reporting opened dates of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX TransUnion is not reporting this account, XXXX   and XXXX are reporting an opened date of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX TransUnion is not reporting this account, XXXX  and XXXX  are reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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: CITIBANK, N.A.
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:
I opened my new checking account and the offer was to receive a new account opening bonus after 60 days of completing offer. I opened the account mid XX/XX/XXXX and fully funded the account Mid XX/XX/XXXX. I called to inquire about the status of the bonus last week around XX/XX/XXXX and they told me it would be ready in 2 more days as it would pass the 90 day mark. I called today XX/XX/XXXXand now another phone representative is stating i have to wait another month. It seems they do not know and understand the products they are selling and giving me the roundaround. If two employees tell me two different things then who's information am I suppose to respond too.

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 2015-09-05
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX repeatedly called me harrassing me about payment of my mortgage loan even after I repeatedly told them I was working to modify my loan. They called dozens and dozens of times and I understand that this is not allowed under current laws. They strung me along for over 3 years, repeatedly asking for more and more information to modify my loan. Then when it would seem to be nearing a point where loan would be modified, they sold the loan to another company, which told me I would need to start the process all over again with new and updated information. My loan is currently held by SLS Mortgage which raised my mortgage rate to 6.675 % with only one week notice. I am now unable to afford my mortgage and they have advised that I will suffer foreclosure if I can not pay my mortgage. I have exhausted all of my savings and sold everything I possibly can to continue to make mortgage payments in full and on time. In order to keep my home, I need immediate help to modify my loan to an affordable interest rate, and I do n't think this is too much to ask since rates are now aroung 3 % and they are charging me 6.675 %, clearly a predatory rate. I am a widow of a XXXX veteran. Never did I or my husband ever imagine I would be in this position at XXXX years of age. I am frustrated and fearful beyond imagination that I will lose my home. Please please help me in any way you can. Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On approximately   XXXX   XXXX   XXXX   I made the required payment and extra. On   XXXX   XXXX   XXXX   I made another payment for   XXXX   XXXX   XXXX    , it was applied to the principal. I spoke with The company  Specialized Loan Servicing, LLC  representatives on  three  occasions about   XXXX   XXXX   payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On   XXXX   XXXX   XXXX     I reveiwed my credit report to discover that  Specialized Loan Servicing  list the account as delinquent for sixty days. I called the company again and the representative hang up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions 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 got my credit ran today XX/XX/2020 at the XXXX dealership because I am trying to buy a new car but I did not get approved for the loan due to having accounts in negative standing on my credit report. I looked through each of those accounts myself and none of them belong to me ; I did not open any of those accounts and I did not allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these accounts. I have no idea who could have stolen my personal information to open these accounts but I have already notified the companies as well as filed a police 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 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 got my credit ran today XX/XX/2020 at the XXXX dealership because I am trying to buy a new car but I did not get approved for the loan due to having accounts in negative standing on my credit report. I looked through each of those accounts myself and none of them belong to me ; I did not open any of those accounts and I did not allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these accounts. I have no idea who could have stolen my personal information to open these accounts but I have already notified the companies as well as filed a police 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 2021-03-11
Company: Experian Information Solutions Inc.
State: OR
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 disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom it May Concern : Me And my Husband XXXX XXXX XXXX was Victims of a Home Invasion in Our Home, many things was Stolen, such as TV Computers, passports, Identification SS # ETC we Made A police Report, But I did Not realize that these Criminals would Commit Crimes Using my Name to Open Fraudulent Accounts. These Accounts was Not Authorize by me Nor My Husband Attached are My ID # SS # and Police 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 2022-09-14
Company: Chime Financial Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
XXXX XXXX I Mobile Deposited a check from my Job with Chime because i did not want to wait a whole week for my next check. and They suggested i cash in the check While they cancel it. I ended up getting doubled paid and having to pay XXXX {$620.00}. And now im on the verge of losing my job due to a situation that wasnt my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After receiving our loan estimate from XXXXXXXX XXXX XXXX and locking in our mortgage rate. The loan processor failed to disclose why the loan estimate for cash to close differed from the final notary closing documents cash to close. We were emailed three different funds to close letters all with contradicting numbers and dates. The evident difference was the interest estimate. We were charged one number shown in the loan estimate and an additional amount in the cash to close documents. After speaking with the loan officer we learned this was padding to protect the bank in case they underestimated their numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX, XXXX XXXX XXXX and Bankruptcy. 
This has caused me tremendous anxiety, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Genesis FS Card Services, Inc.
State: GA
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:
I applied on-line from a mailed pre-approval letter that highlighted no sign-up fees. After I received the card I called to activate it and there was already a balance of {$170.00}. I called customer service and stated I won't activate the card. They said they will close the card per my request and that " I will not be responsible for the balance. '' I week later I received the attached letter from the credit card company showing the {$170.00} balance stating that " if your account has a balance, you will continue to receive monthly statements. '' I called the number listed in the letter and spoke with " XXXX ''. After I told her about my conversation with another woman a week prior, " XXXX '' stated that that letter was already sent prior to my initial conversation. ( My initial conversation was on XX/XX/2021, which is the date of the attached letter. ) I requested a confirmation letter or email specifying that I am not responsible for the balance as promised from both conversations, but " XXXX '' said that if there is a balance it will be indicated in the next statement. So basically, " XXXX '' performed the typical creditor trickery of saying one thing and doing something completely different ; why would I receive another statement if I never activated the card, the account is closed and I am not responsible for the balance? For the record, I cut the card on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 previously sent two letters to TransUnion letting them know that I was a victim of identity theft attached to those letters were an FTC report and a police report to have the fraudulent items removed from my credit report. The first time they sent me a letter back stating that I did not give them enough information so I sent them the same exact information the second time and now they are saying that it looks like a credit repair company is doing my credit repair when is actually it's me sending the letters in so, as a result, they won't investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: AR
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 pulled my credit for the first time in 4 years and I saw a couple of accounts and many inquiries that are nominee. These suspicious accounts and inquiries need to be removed from my report, it is fraudulent information.

Company response to consumer: Closed with explanation