BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/22 I attempted to make an early payment on XXXX XXXX Citibank credit cards that I have. I was blocked from access to my accounts and called customer service to ask what was going on. I was told that my accounts were closed and under attorney control. I have spent over XXXX hrs. the past XXXX days trying to find out why this has been done. Both of my accounts are current. They have never been delinquent or over the credit limit. There was NO Reason for my accounts to be sent to collections and I did not close them. I cant get answers from anyone at Citibank as to why they have done this to me. I also have no way to make payments on the cards because they wiped me out of their system and blocked my access on line. I need answers NOW and a way to make payment. My next payment in due on the XXXX of this month and I have no way to pay it. Please help me!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Credit Karma, LLC
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is a wrong address. XXXX XXXX XXXX. Ma. Never lived there. And I 've never heard of the company XXXX. These belong to someone else. Please remove

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a lien from State of California for {$1800.00}. It was dismissed. I have written to Equifax many times, and tried calling them, but they will not remove this information from my report nor have they included the updated status. It almost cost me my job. 
No one at Equifax will respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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: Confusing or misleading advertising about the credit card

Complaint:
Today on XX/XX/2022. I applied for a Credit card with XXXX card on Experian Credit Bureau agency. I was looking at my credit Bureau report. The credit card sections. Experian had three credit cards company come up and stated i was pre-approved and this wood be the best credit card for balance transfer. First of all Experian never stated I wood have a hard pull on my credit report. i understood to be a soft pull to no pulled with this being a credit Bureau agency. Small writing stated they were in partnership with XXXX card and the work together and this and two other card wood be a great fit for approval. Everything about the advertisement was false and misleading to me. I applied and was decline. XXXX took the information 's from the Credit bureau and ruled against me as a decline for a new credit/ bal transfer. Experian used the same information stated I should applied and wood be approved for the card. The whole credit. process through the Credit Bureau was misleading and false advertising. I am SORRY EXPERIAN YOU DONT GET TO MISLEAD CUSTOMER INTO THINKING THEY WILL BE APROVED FOR A CREDIT. I WANT THE HARD INQUIRY REMOVED OFF MY CREDIT REPORT AND APOLOGY LETTER. YOU DONT GET TO BREAK THE LENDING LAWS!

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 2022-03-25
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:
I tried getting this issue resolve directly with equifax, equifax has failed to investigate this issue or remove those accounts i am a victim of identity theft i have submitted a FTC report and proof of my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: HMSV Financial Services, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a home refinance through Connecticut Home mortgage. Connecticut Home mortgage merged under the Home Services Lending on XX/XX/XXXX. All my paper work and appraisals were done on time. The lender, XXXX, delayed the underwriting for over 3 weeks and now will not honor the rate lock. I need someone to resolve this. The mortgage company one month later wo n't issue a commitment letter or denial but I received a call that the will not honor the rate. I received a call from the Branch manager today, XXXX at Home services lending who recommended that I file a complaint with the CFPB to get the Bank to honor the rate lock.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan # XXXX has not had any changes since I previously reported issues and received an outcome on XX/XX/XXXX. This was all addressed in the previous Case Number XXXX. My online portal still shows the same amount of {$1500.00} owed along with a significant amount being withheld for Escrow purposes. The payment was supposed to be reduced to {$1200.00} as of XX/XX/XXXX which never happened. My Escrow was supposed to be re-evaluated after this outcome which never happened. I am a XXXX XXXX XXXX veteran in Texas and therefore do not have property taxes on my home. I have filed all necessary exemptions for this to be the case back in XX/XX/XXXX. This was never taken into account during my loan process, Escrow calculation, and is still not being handled as it should. I feel discriminated as a XXXX veteran by this company. 

I contacted customer service a few times over the past 2 weeks to get them to fix these items only to be told that " my payment isn't late '' and that an " escrow evaluation was just completed on XX/XX/XXXX '' which showed nothing changed and was before my previous complaint/request. I have requested that another Escrow evaluation is completed as of XX/XX/XXXX and was informed on XX/XX/XXXX that it is still being worked on and that it would be completed by XX/XX/XXXX. As of today, nothing has been changed and I can not contact my mortgagor as of this morning 's phone call attempt. I am not being assisted by my mortgagor at all. If anything, I feel that they not only lied to me but to the CFPB about their intentions on what they will do and haven't done.

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 2020-03-17
Company: Experian Information Solutions Inc.
State: NJ
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:
Removed FTC violations then put it back on FTC violations law does not permit that with out notify me me 5 biz days Experian

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 2015-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XXXX XXXX, 2015 I submitted a dispute with TransUnion. However, TransUnion refused to process my dispute and requested the following items, a copy of my Drivers License, Bank Statements, a Cancelled Check, Pay Stub, and a Utility bill. I communicated to TransUnion that I do n't provide that type of information to private corporations such as theirs. Yet, TransUnion never ask me for any of these items before they reported this information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: Their investigation did not fix an error on your report

Complaint:
XXXX said that I had a late payment and did not. I was notified by XXXX  that I never paid my bill on time. After they researched my account they found out I tried to pay it and the agent at XXXX didnt do their job right. XXXX reversed all my late charges and apologized. I disputed it with the credit bureaus after XXXX said they could do nothing. XXXX is still reporting that I am late

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 2023-04-11
Company: Experian Information Solutions Inc.
State: NY
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 disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 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
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2015-07-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been a victim of identity theft four times in one year and I have contacted Equifax and sent them the police report and the federal trade commission affidavit and had the complete premier plan with unlimited service and when I tried to update my credit report it says that I have an order in progress so I have to call Equifax to update my report and they most of the time send me all over the place from XXXX to the XXXX special fraud department to verify my info and I did over 50-100 times and sent numerous trouble tech tickets to try to fix the problems numerous times and there solution is to cancel my service instead of fixing the problem. they still collected my money for there service and I did n't have unlimited service. I have stayed and transfer from rep to supervisor and wrote numerous complaints to Equifax and the better business bureau office to consumer protection tom foreslong, Equifax consumer protection XXXX XXXX and no one can help. XXXX XXXX said she does n't deal with the problem. so how can I monitor my Equifax. cause in XXXX I had a fraud alert on my credit report and I took it off and some one XXXX tried to get credit I did a police report and sent it to Equifax. but still have to call even though I have unlimited service and Equifax numerous times instead of trying to fix it they cancel my service but did n't return my money. but still charging me. who else are they doing this to. we have no recourse or help they do n't care they do n't fix the problem. they wont call you. or follow through

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX 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 GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

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 2016-05-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hi, my name is XXXX XXXX XXXX, my bank is Chase Checking Accunt. In the date XXXX/XXXX/2015 my bank authorized a transaction of mine without any signature proof, it was with the merchant XXXX that is dealing with XXXX, they charged me {$1500.00} from my credit card without any approval from my side. My bank claims that i have already few disputes with other XXXX that scammed me so they declined my request. When i first registered to the site i gave this company my information as it was required in order to open the account, but it does n't mean that they can use this info to charge me when ever they want without my approval. Please advice what i can do here.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Waiting for each agent to respone to my complaint-Equifax, XXXX keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Ace cash express I have a balance {$1500.00} in XX/XX/XXXX now XX/XX/XXXX they want to say my balance is {$5600.00}. I try to pay it back but I will never finish with that intres I call over and over and they hung up on me telling me they sell my loan I call the number they give me and they want me to put down $ XXXX {$370.00} and pay $ XXXX+ {$20.00} every week like 30weeks of $ XXXX.= $ XXXX.they say if I do not pay it they going to get me for fraud take my driver license away ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: RI
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
For past 6 months Global Client Solutions XXXX XXXX XXXX XXXX collected {$250.00} a month for debt consolidation. After realizing no repair had been done I reached out to lawyer that was supposed to receive certain payments that had n't. Although credit repair was listed on each statement for {$49.00}, no creditors were paid. Wit went to bank and we called the company who claimed I missed payments since XX/XX/2015 but I have statements that show otherwise. Bank XXXX told them about last statement the company hung up phone and called me personally. She wanted me to print, sign and send a cancellation notice but not confer with my bank XXXX. Any time I call they do n't want to talk and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan company : Rocket Mortgage, XXXX, MI I have paid my mortgage down to 60.42 % of original appraised value on home ( appraisal done XX/XX/XXXX ). Mortgage company refuses to stop the PMI. I have spoke with two people at the company and they state I have to keep paying this illegal fee until XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 


This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE THE FRAUD ACCOUNT RIGHT AWAY!

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 2021-03-20
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a conventional mortgage ( XXXX XXXX ) at the loan limit of {$510000.00} with Banco Popular Puerto Rico on XX/XX/2020. I was given a new quote right before the closing process, which features a much higher interest rate than what I received initially ( 4.5 % vs. 3.875 % ). There is no logical reason for this as my credit score has only improved, credit utilization rates are at elite levels, and my credit score is in the excellent range with all major credit bureaus. 

After sharing my experience with at least three independent sources, including my realtor, friends, and acquaintances, all of them verified that Banco Popular commonly waits more than 60 days for the quoted and locked-in interest rate to expire and then increases the interest rate significantly right before mortgage closings. This is not an honest business practice, and it seems that nobody is holding the bank accountable for it. A second-order consequence is that the bank needs to pull my credit report again as they waited until the initial report expired, which could affect my credit score. In summary, the bank has been extra slow, significantly increased their initial interest rate quote with a new quote right before the closing after stalling about 130 days, and is potentially hurting consumers ' credit score by pulling credit reports multiple times throughout an elongated process.

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 2015-07-27
Company: SUNTRUST BANKS, INC.
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hello, On XXXX XXXX, XXXX XXXX sent XXXX refunds to my closed SunTrust acct. ( Amounts and reference IDs are as follows : {$260.00} Ref ID # XXXX and {$66.00} Ref ID # XXXX. ) SunTrust supposedly issued a check, or checks, in the amount of the total refund and mailed it to my old address. I never rec 'd a check. I have requested the check be cancelled and a new check mailed -or- the money be deposited into my new SunTrust acct ( preferably ). 
I have spent countless hours, receiving different information from both employees and Sups as to what happened or what needs to happen in order to receive the funds that are rightfully mine. The last time I spoke to SunTrust was today, XXXX/XXXX/15 and was told by a Sup that I needed to sign an Indemnity Form before the funds could be released to me. However, I was told a few wks ago by a diff Sup that I, as well as XXXX, need to have notarized signatures on this form. XXXX can not or will not participate in SunTrust 's request for a notarized signature. They have already done their part by issuing the refund. Also, the Indemnity Form basically states that if for any reason SunTrust decides not to reissue the money, they can not be held liable for compensation, including any legal fees I, as the consumer, may incur in trying to recover the funds. The fact of the matter is SunTrust bank has and has had the funds for over a month and a half now and refuses to release them to me. Please help. 

Sincerely, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief