BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-24
Company: Avant Credit Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I had a loan with this company for 28 months. I was told I could apply for a refinancing loan. I had made all 28 payments on time. I applied for a refinance loan on XX/XX/XXXX. I signed my signature to get this loan on XX/XX/XXXX. They told me that I shouldHave a final decision in 24 hours I called every day .The represented told me they was going to make a decision. I talked to manager I was told the same information. On XX/XX/XXXX I received a message that my loan application had expired and I was invited to reapply for this loan. This process was not done in 24 hours. I waited until I made my next payment. I made my next payment on XX/XX/XXXX and I was told by one of Avant representative that I could reapply at that day and I wouldnt have to send anything more information from my bank statement.He said the information I sent it could be used. I reapplyed and the company denied me. my refinance loan in minutes. The time I apply my credit score was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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 contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much XXXX XXXX XXXX XXXX because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

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 2022-07-14
Company: Experian Information Solutions Inc.
State: TX
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person

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 2021-10-31
Company: Simon's Agency, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Scam alert!! Debt Collection on credit report by SIMON 'S AGENCY, INC. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX in the amount of {$350.00} for medical care. My Medical insurance, XXXX XXXX, pays full coverage for all of my medical services. I have Explanation of Benefits showing all claims are paid in full. The Simons Agency fraudulently attached this medical debt. The origin is listed as XXXX " XXXX ''. This is a non-existent medical provider and spelled incorrectly. Please remove this fraudulent medical debt. I am a XXXX XXXX XXXX and this has lowered my credit score dramatically. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, I received notice that Credence Resource Management is trying to collect {$1000.00} from a fraudulent XXXX XXXX XXXX account XXXX created in my name that I didn't open. The fraudulent account number is XXXX created on XX/XX/XXXX and closed by XXXX XXXX XXXX XXXX XX/XX/XXXX for non-payment. This account is FRAUDULENT and was created somewhere in XXXX ; I live in XXXX  and I haven't been to XXXX nor have I authorized anyone else to open such an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
Company: Redfin Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are in the process of applying for a mortgage for a condo via RedFin Mortgage. 

We are first time home buyers and have worked extremely hard, and are fortunate enough to have 20 % as a down payment to on the property we chose. 

Our closing date is scheduled for XX/XX/XXXX - and we have been going back and forth with several lenders trying to secure the most competitive rate possible for this large purchase. As we are entitled to do so ... 

When we initially began the application process about a month ago - we were given a rate of approximately 3.65 % using an exceptional credit score ( well into the 800 range ). Then due to stock market changes over the past few weeks the rates began to fall - almost all the way down to 3.125 % ( with the possibility of going lower ). As of two days ago now ( XX/XX/XXXX ) - the stock market continues a very concerning downward trend - but now mortgage rates have suddenly spiked even higher than they were before the markets began to tank. 

We are now being quoted a 4 % rate with no changes to anything - again, with exceptional credit scores - and are being told that other mortgage companies are doing the same thing. This does not seem right that they can raise the mortgage rates this much ( even higher than they were before the market decline ) - especially when the market is not showing any signs of improvement within the near future. How can this be? We are stuck with RedFin Mortgage now at this point - because otherwise we will lose our closing date and possibly the property.

We believe that this issue may be a move by several mortgage companies banding together to artificially inflate the rates to mitigate any loss on their ends ... we would appreciate someone looking into this not only at RedFin Mortgage, but across the board as this notion is extremely disturbing, and could very greatly impact many people in the process of trying to close on a home or condo.

We of course have been arguing back and forth with RedFin Mortgage on this with no luck - and the reason they gave as to how the rates could increase so high in such a short window ( 2 days ) - is that everyone is trying to re-finance and they can not keep up with the requests. Again - we are now stuck with RedFin Mortgage and can not back out unless we forfeit our closing date. This is not right ... 

Please look into this as soon as possible. 

Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX I received a denial letter from Chase saying that the investment property in which I initial ask for a modification on was denied. There was only XXXX program that fit the scope of modifying my investment property which was a Home Affordable Modification XXXX Tier XXXX XXXX. The other programs listed several reasons why I could n't qualify for the other programs but the Home Affordable Modification XXXX Tier XXXX ) simply said the debt to income ratio could n't be calculated within the acceptable range of 25 % to 42 %. Based off the underwriter using a gross rental income of {$910.00} XXXX based off XXXX lease and not XXXX leases for this XXXX building XXXX it was easy to sumise that they needed all of the leases. I submitted all the perpective information by the end of XXXX with updated information and all of the leases. On XX/XX/XXXX I received another letter saying the modification was denied. After reading again through all of much the same information I came upon the reason it was denied in coralation with the Home Affordable Modification XXXX Tier XXXX XXXX. It now stated that Chase services the mortgage on behalf of the insurer and can only approve certain programs. Not only was this statement not on the first denial ( hence I would have never reapplied ) but it gives the impression that Chase strung me alone putting me in a deeper financial bind when they never was able to offer me a modification on an investment property. The entire process started XX/XX/XXXX and I received my first letter of decision on XX/XX/XXXX. I was informed by Chase that in accordance with my loan I could receive a modification on my investment property. Years later I find that they never intended on helping me but instead gives me misleading information, lies, ambiguious language, contradictory approvals and eventually sends me more in to a deeper financial whole. What Chase has done is not only morally wrong, but legally wrong to a homeowner. It goes against the principalities of what banking and Finance, consumer protection Federal bureau, and any other entity that oversees money and finance when it come to the public interest. Due to the uncertainties of the denial and the truthfulness of them Im still not sure if Chase offers a modification program for investment property. If Im to go buy the first denial letter I would say yes given the denial reason but if I was to go by the second denial it would be no which means this whole process has been not only a scam to further place a homeowner is a detrimental financial state but a waste of tremendous time. I also noticed that the eligibility data was not included in the new decline letter ( hmm I wonder why ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2022-07-14
Company: Experian Information Solutions 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:
Information on my consumer credit report is inaccurate and unauthorized in accordance with U.S.C 15 1681 a-d. 
- Never given credit agency written authorization to place adverse info onto consumer report. 
- Docket number listing XXXX XXXX  bankruptcy discharge is inaccurate - Placing such information on my report without written authorization is illegal IAW 1681 a ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18.

( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

( 5 ) Any other adverse item of information, other thanrecordsof convictions of crimes which antedates the report by more than seven years.

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 2022-03-21
Company: EQUIFAX, INC.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Basically Chase Bank foreclosed on my property in XXXX XXXX in the middle of a loan modification/deed-in-lieu agreement. I never heard from my assigned caseworker either, an XXXX XXXX XXXX who I believe was derelict in her duties to me as the consumer looking for help to save my property. This property was a post-divorce property settlement issue and my ex-spouse continued to live there after our divorce in XXXX, allowed the house to fall close to foreclosure XXXX or XXXX times, then stopped paying altogether in XXXX. He and I went to court so I could simply request the property be listed for sale and he objected ( while not paying mortgage and I paid rent somewhere else ) so we went to the XXXX Superior Court, XXXX Civil Supreme and XXXX Appellate then XXXX eviction court. I kept Chase apprised of my intent to deed the house over to them and they kept telling me to continue with the litigation and they 'would work with me '. I won in each state and spent well over {$35000.00} of my own personal money to get the deadbeat evicted for Chase, listed it for short sale in XXXX with a realtor per their request for one year, then after the contract expired I kept up with the modification paperwork as I never heard from them, and now this very upsetting final ending. I am disgusted that Chase would steal my home from me while in the middle of a loan modification. I protested via fax before the house was actually foreclosed as we were/are in the middle of a modification. I am the sole deed-holder ( or was ) and just called FHA and they said even though I had contacted them in the past, they did not have this property on their records. I heard of a case in XXXX where a woman is suing Chase for the very same thing so I sense a 'pattern of bait-and-switch modification agreements to avoid foreclosure ' and feel obliged to report their very bad processes and behavior regarding my loan. I have plenty of documentation to share my story when ready - too much to go through after dealing with that 'bank '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-07-14
Company: JPMORGAN CHASE & CO.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi, On XX/XX/2022 I took action and disputed a charge with Chase Bank from a company called XXXX. This online service did not provide the service that was paid for. I paid {$550.00} for a service that was not delivered on time. When it was finally delivered, I was delivered a solution that was completely incorrect and was told by the expert from the website " I tried to do the work, but .... ''. Again, they were making excuses and admitting they were not able to do the work. However, no refund was given to me. I disputed the charge on XX/XX/XXXX. On XX/XX/XXXX, i get a notice from chase telling me that my claim was denied. I called XXXX and ask why and if I can appeal. They tell me that the merchant denied the claim and I can appeal if I send more proof. I send Chase the instant messages with the company and proof of them not completing the services. I get a new notice on XX/XX/XXXX and was told that the merchant still denied my claim and I have to file a police report. I am upset because a lot of money was spent for an online service that was not provided. I was scammed by this company and Chase is not doing anything even though the proof demonstrates this website scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: WI
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:
In XXXX I was XXXX for XXXX years. Upon release in XXXX I discovered that someone filed taxes in my name while I was XXXX. As a result of that i filed an identity theft report in XXXX and I recently resolved that matter with the irs but this year I discovered someone also used my personal information to fraudulently open credit cards in my name Such as : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: EQUIFAX, 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:
1- Delete Unauthorized credit inquiry : I contacted Equifax in numerous occasions via certified mail to request that they conduct an investigation into an unauthorized inquiry from XXXX XXXX , XXXX and XXXX XXXX XXXX  that I did not authorize. Equifax refused to investigate and allowing these inquiries to hindered my ability to obtain loans and other credit products. I am requesting to have the inquiry from XXXX XXXX , XXXX and XXXX XXXX XXXX  deleted of my credit file now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: EQUIFAX, 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:
During an investiga tion, credit reporting agency failed to provide the validity of a debt that was reported. Thr name of the collector is   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   in the amount of {$480.00}. This is not good practice snd violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I contacted TransUnion credit company because I was unable to access my account in order to unlock the freeze on my account. 
I first spoke to one woman, but the connection was very bad perhaps due to a recording being done or the person answering was far away. ( XXXX? ) A second attempt a few minutes later had the same problem and I hung up and waited until sunday XX/XX/XXXX to try. After then being on hold for over 20 minutes twice I gave up. 

On monday XX/XX/XXXX I was able to get through and after explaining my unability to access my account I was told that a new password would be sent in 5-15 minutes.

After waiting 60 minutes I called again and was told the same thing. I did check again that they had the correct email and it was indeed correct. As of this writing it is now over one hour of my last call and so far no email with a password.

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